WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2018 after reviewing my credit file I noticed an account from XXXX XXXX XXXX {$550.00} that was opened up fraudulently. I contacted XXXX XXXX XXXX XXXX times over two weeks about this account. XXXX XXXX XXXX informed me that they notified XXXX, XXXX, and Transunion on XX/XX/2018 to remove this fraudulent account from my credit file. This account is still on my credit file as of XX/XX/2018.
I first checked my credit report in XX/XX/XXXX when I received a letter from a collection report ( XXXX XXXX ) for XXXX XXXX It stated that we owed XXXX on a vehicle account. This account was Paid in full for which we received a Title and congratulatory letter for paying this loan off. We then donated the auto to XXXX XXXX XXXX and gave them the title.

I sent all this information to both XXXX and Experian in XXXX  Tx XXXX. Getting no result I filed a complaint with Experian in XX/XX/XXXX. As of XX/XX/2018 there has been no resolution.

I wrote Experian a letter saying if this wasn't resolved I would consult an attorney.

Still no resolution. I hope you can help us with this problem
I am extremely tired of Experian 's games. I have been disputing for a couple of months now with them and the other major bureaus, making sure that all reporting accounts have been properly verified & validated. Every single one of the disputed accounts were deleted from my XXXX because they could not be verified or validated. Now, please tell me how in the world these SAME ACCOUNTS are found to be " verified '', " valid '', and " accurate '' with Experian! Furthermore, I actually gave them PROOF of their deletions due to not being able to be verified/validated. I have attached my letter to Experian and the enclosure. An account is deleted when there is no original documentation ( bearing my signature ) that makes me responsible for a debt ; so, again, how is an account verified and unverified at the same time?? Experian is complicit in allowing these companies to violate the law and using illegal business practices. I know from previous experience that Experian loves demanding proof of the consumer ; I gave it to them, and they're STILL being XXXX. To top things off, they did not give me the full 30-day investigation. They " investigated '' in a matter of a few days claiming these unverified accounts are verified. Seriously?? I demand that Experian delete the disputed accounts. It makes absolutely no sense for accounts to have been proven & reported 'deleted ' and 'unverified ', yet claim the opposite and try to remain elsewhere.
Recorded message from phone number XXXX saying that this is last time they are going to try and contact me and legal action will be taken against me. in the recorded message it tells me where to go to make a payment with the debt validation or information regarding original creditor. Calls at least once a day while I am at work and they are unable to prove anything.
Today XXXX Friday XXXX XXXX, XXXX Dear CFPB, I have recently opened a Toys/Baby 's R Us Account in XXXX XXXX for XXXX. This month I should have receieced a statemten from Synchrony Bank for payment on this Toys /Baby 's R Us Account. Today I recieved an Email from Sychrony Bank for the purchase of the {$250.00} made on XXXX/XXXX/XXXX at T/B R US. The statement however was not my initial syatement requestin payment however, it is a states : " Payment not received '' " Dear XXXX XXXX, '' " RE : Your R Us XXXX ( XXXX ) Account ending in XXXX '' " This is a notification that your R Us XXXX ( XXXX ) account payment is past due and a late fee has been assessed. Making a payment of the total amount due now will help you to avoid additional fees. Please disregard this notice if you have already made your payment. '' " You can make a free online payment now by signing into your account. '' " If you can not make a payment of the total amount due today, or need assistance with your account, please contact us at the number listed below. '' I never received my initial statement via Email or otherwise. 
Synchrony Bank has already charged me the {$35.00} late fee. 
I have a XXXX card and A XXXX Card, they mail me through the US Postal Service my statements at least 10 days before its due to advise me " You have a payemt due on this date in the amount of XXXX I also have a Pay Pal account to which I receive through my Email and I get that well ahead of time noticing me .. '' Your Paypal Statement is ready '' and " Your Pay pal Statement due date is coming up ''. 
I do not understand why this company can not have the courtesy to consumers by sending out statements ( especially by email ) a sufient timing to pay ; not after its due? This whole time I have been expecting my card and statemtent into the mail through the U.S.P.O not through Email. Not to mention that I did not recieve my credit card. 
I can also state that I am not the only consumer whom has had issues with this Synchrony Bank. I believe their needs to be an investigative audit on their practices financialy andand. More so how they treat consumers. Has customer service stooped so low that consumers ( Whom pay for services/items ) deserve to be treated so horribly and harrased by credit companies instead of treated with respect and given a breakbreak especially as a " New, Loyal and or Long term customer? '' Please look into this because ALL I want is the late fee waived for their dishonesty.
Since XXXX, XXXX I have been disputing information reported by XXXX XXXX/XXXX to XXXX, Experian, and XXXX for which they claim My account was charged off {$970.00} on XXXX XXXX. Repeatedly, XXXX XXXX have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. XXXX XXXX claims this account was sold to XXXX XXXX XXXX and refused to provide me any viable evidence that the account is being reported accurately. They are being willfully non-compliant in my request for verification of debt. They just told me to contact XXXX XXXX XXXX. Recently, XXXX deleted this account associated with XXXX XXXX/XXXX because I filed a small claims lawsuit against them for Defamation, Violations of the Fair Credit Reporting Act, and Violations of the Fair Debt Collection Practices Act. I am again formally requesting a copy of any documents, bearing my signature, showing that this account is being reported accurately. The listed item by XXXX  XXXX/XXXX is inaccurate and incomplete, and represents a very serious error in your reporting.
I notified Clarity Services, Inc., FEI/EIN Number XXXX about my credit being pulled over 10 times with no response. I emailed them a disclosure form to release information to me only to receive a consumer credit report with no explanation of why or who they pulled my credit for. I have only authorized one company to pull my credit and that is XXXX XXXX to which I received a credit card. i have not authorized Clarity Services to ever pull my credit or anyone else other than XXXX XXXX. 

I have continued to contact and leave my information with Clarity Services only to be ignored. This company was fined XXXX dollars for this type of behavior and it seems they are continuing to act in an illegal manner by pulling my credit report.
I got a call at my place of business, she did n't tell me her name only where she was from. When she asked if I would take the settlement, I said I could n't and I could pay a certain amount a month she began to harass me saying they wo n't accept my offer, they only will accept if I take the settlement amount. I informed her I have too many medical and other bills I am paying at the moment, and I have no other choice. She then proceeded to tell me I have a full time job, and that none of my other bills were important or even existed. She than harrassed me stating she would make sure I 'll never be able to rent a place ever again, and that she will submit my claim as " denial of payment '' when I tried to start and make a payment right then, just because I could n't make all of it at that exact moment.She used obscene language and threatened to make my life XXXX for not paying the entire amount. I was at work, this was in front of my boss and my coworkers. It was completely rude, and she had no right to call me at my place of business and speak to me the way she did.
Conn 's stated that I owed a debt for {$1600.00}. They transferred the account to a third party name XXXX. I made a settlement offer to XXXX for {$480.00} to settle the account in full and now Conn 's won't settle the account to XXXX balance on my credit. The collection place XXXX stated they couldn't put a XXXX  balance since they wasn't the ones who report to the credit bureau. I tried calling Conn 's over 10 times to get the matter resolved and still no answer. I fax over the letter to Conn 's letting them know I settle the account on XX/XX/2018 and they still won't report to the credit bureau it was settle. I talk to a supervisor name XXXX in recovery and I keep getting the run around. I tried telling them Im in the process of buying a mortgage and I need my account to be settle to a XXXX  balance, along with a letter.
On XX/XX/XXXX, Chase bank abruptly locked me out of my account access and did n't provide any justification over the phone. Chase customer service representatives forced me to drive to a local branch for ID verification where Chase staff only said " our detection system is too sensitive '' and no other justification was provided. Account access was restore after ID verification. However, on XX/XX/XXXX, account access was blocked again without advance notice. This practice is outrageous and abusive. I 'm certain that my experience with Chase is not alone. Although I will not be a Chase customer any longer, I think their practice merits a thorough investigation by CFPB to protect other consumers from being abused by Chase.
I had XXXX in XXXX, I have filed several disputes with the credit bureau and I currently have a dispute open with the collections agency for over 31 business days. They refuse to take it off my credit report. What they did is they changed the dates on the debt to make it look like I opened the account in XX/XX/XXXX. Which is illegal. XXXX has also yet to respond to the dispute. They are not keeping up with FCRA requirements. This has damaged my credit and I have been denied many loans and bank accounts because of this debt.
Hello, I would like to file a complaint against PNC Bank. My loan officer for the process was XXXX XXXX XXXX XXXX # XXXX. As a first time home buyer applying for a VA loan I was unsure of what fees if any would be appropriate. When asking to put in a formal application I was told that an Application Fee of {$520.00} would be charged. I agreed as I was told that the Department was having a Special which ended that day, and I would need to put the application in to lock the lower rate. The day after I requested the application be withdrawn but was told I would not receive the fee back. 

I would first like to note that VA loans do not allow the veteran to pay an application fee. Secondly I would like to argue that this is a XXXX violation qualifying as unfair deceptive and abusive for the following reasons : Unfair 1. I sustained substiantial injury ( {$520.00} ) 2. The injury is not avoidable as it is necessary for the application 3. There were no counter ceiling benefits as I withdrew the loan. 

Deceptive : 1. I believe the Special they held was an attempt to mislead me 2. My interpretation wa that there was no other was to be approved for a loan without being charged such fees. 
3. The act was material ( {$520.00} ) Abusive 1. The act took unreasonable advantage of my understanding of the loan/ application process. 

I do know that it is encouraged for consumers to shop for their loans. I would like to argue that unreasonable application fees restrict consumers to do this. I was also charged this fee before receiving my Closing Disclosure and Good Faith Estimate. I would like to request my application fee be refunded and note unreasonable application fees a XXXX issue. Please investigate, thanks!
I applied for Citibank cashback card. First they approve it, then they made me send a bunch of documents to verify my account. It has been almost 3 months and I am stuck with a card on my file, which I can not use. When I call back to cancel the account, they say it can not be done because it is still under " review ''. Here is the kicker, when I ask for a manager, I am put on hold for 30 minutes, and then told that he is not available. i give a callback number, which of course never comes back. Apparently, that 's Citi 's way of dealing with unsatisfied customers.
We have been struggling with paying our mortgage for a while. This is the XXXX XXXX time I have had to borrow money just to keep up. To get most recent modification I had to file bankruptcy, because it was only then that Ocwen would take us seriously. As a result of this my credit is damage. The loan started as an interest only loan, XXXX Arm, which quickly increased in payments. We refinanced to what we thought was fixed only to learn it was another interest only loan with a XXXX Arm. When we tried to correct this Ocwen would not cooperate, instead they had someone else information on our file who was claiming to live in our home but in reality was trying to take the home from under us. It was then we went to a lawyer and had no other choice but to go the bankruptcy route. Even after all of this it is still not over, now what should have been a fixed 2.00 % apr, 30 year loan, if now increasing ( most recent XX/XX/XXXX ), and will increase again in XX/XX/XXXX to a 4.50 % apr, with the final payment being a balloon payment. This is the most discouraging of it all, because we would have been struggling for 30 years and still possibly lose the home is we do not have enough to cover the final payment. It has already been an 11 year struggle ... .and still no relief. We would love some assistance please as we are currently behind 3 months and now Ocwen is rejecting my monthly payments of {$1000.00}.
Leased ( Pre-Paid at signing XX/XX/XXXX = " at end of lease you will owe nothing, walk away owe nothing '', via Salesman/Financial Mgr ) XXXX XXXX XXXX from Mercedes-Benz ( MB ) : 1 ) MB attempted to charge {$600.00} maintanance fees during lease at service.

REFUSED to pay.

2 ) XX/XX/XXXX returned XXXX XXXX XXXX ahead of schedule under mileage by thousands. 
-Salesman, Finance Mgr wanted new car, new lease signed, " keeping same amount p/m payment '', " no added cost to you ''. 
REFUSED to enter into new lease or to purchase. 
Salesman/Financial Mgr insisted so, requested to see XXXX cars in stock, Salesman hesitated, demanded to be shown two ( 2 ) XXXX XXXX XXXX XXXX cars in stock both had red/green tag RECALL notices on dashboard Salesman tried to remove one, I read the other. 
3 ) Advised MB Salesman, and Financial Mgr will be purchasing XXXX. 
4 ) Received from MB statment, owed for 2 tires and end of lease cost, total $ XXXX. 
5 ) Phone call to MB SF Manager with complaint : Challenged 2 items ( end of lease fee, 2 tires replacement ) with SF Mgr who sent another statement 2 tires removed MB Financial added about same amount charge showing owed about {$1000.00}. Again REFUSED to pay.

6 ) MB Financial XX/XX/XXXX received a statement stating owed {$1000.00} will be turned over to collection agency if not paid15 days.

7 ) Will not pay 2 reasons : XX/XX/XXXX PREPAID was final inducement to sign lease " walk away owing nothing '' ; XXXX car insurance ended XX/XX/XXXX if there were ANY damages which there were none car was covered. 
8 ) Readable copy of contract requested from MB Manager not received.
I supplied XXXX with a police report showing people were applying for credit under my name. XXXX has refused to remove the fraudulent inquiries.
I am disputing the following account with XXXX XXXX/XXXX   account number XXXX this account was paid in full some how the update did not take place with XXXX Credit Reporting this account is reporting 180 day past due which is incorrect I am requesting this account be updated by removing this information from reporting I am in the process of buying a home this incorrect reporting is affecting my credit score
Convergent Resources contacted me and asked me to verify my current address and then asked for the last XXXX digits of my social security number. They then said that I was not the person they were looking for. Should I be concerned about Identity theft? Some of the reviews of this company has me concerned.
I filed a dispute with Experian on XX/XX/XXXXregarding several inaccurate items on my credit report. One was a judgment entered in XXXX XXXX, NJ which was paid in full. They obviously did not investigate this item and left it unchanged on my report. Same with a car loan with XXXX. I have a payment plan in place with XXXX and I make monthly payments each month on time. Experian is still reporting it as written off and still showing the original balance. Three other small credit cards also were paid in full in XXXX, XXXX and XXXX of this year. I disputed all 4 as they have a XXXX balance, Experian is still showing the balances as written off. A collection account with XXXX resulted from a dispute with XXXX XXXX in XX/XX/XXXX over a termination fee when I switched carriers. This account is too old, should be deleted and has been from my other reports. Experian did nothing to update my report at all during its dispute investigation. I tried to refile my disputes and upload documents and their website is completely ineffective. It gives error after error despite the fact that my documents meet their size and file type criteria. It also would not allow me to restate my disputes for the accounts still showing inaccurate information, therefore, it is purposely reporting incorrect information damaging my credit.
I have been banking Regions Bank since XXXX of 2016. I have received information on my account and how I should maintain it. However, since XXXX 2016, There has been an issue of my statements being tampered with. On XXXX XXXX, 2016, I have made a purchase from XXXX XXXX online of an estimate of {$20.00}. However, Regions Bank, deleted that statement and moved it to XXXX XXXX. XXXX XXXX also charged me {$7.00} within my bank statement. I have also payed off my {$150.00} loan using my bank account. Regions bank did not charge me for the overdraft. I was able to pay off the negative balance in time to have a positive balance. On XXXX XXXX is when I had made a payroll deposit of {$150.00} from my job. I was not aware that they will keep my payroll check an extra day. However, they were already informed months ago about my employment. Regions bank had charged me an overdraft fee of {$36.00} twice -- right after I have cleared my balance. I am {$44.00} short due to the overdraft fees that they have still charged me after I have cleared out my balance. The Regions Bank Manager also allowed the ATM at the bank to keep my card due to her unauthorized of deactivating my card. She was rude not understanding. Regions Bank had hidden information from me.
There was an credit that was opened on XX/XX/2014 by XXXX XXXX XXXX. 

This account was created by XXXX XXXX XXXX XXXX XXXX XXXX. 

I was admitted into XXXX XXXX XXXX XXXX. Seen by XXXX XXXX physicians. When i was billed the hospital awarded me charity and I was only responsible for {$25.00}. 

I called hospital and they informed me i wouldn't and shouldn't receive any other bills because I wasn't liable. 

XXXX XXXX sent out a letter to me and the XXXX XXXX XXXX XXXX XXXX XXXX and also XXXX XXXX XXXX. 

XXXX XXXX XXXX informed me they did not care and wouldn't remove the account they wanted money. The most unprofessional conversation I have ever had.
Due to inadequate security and monitoring measures, the company Equifax permitted my credit information and the credit information of my wife to fall in the hands of bad actors. This misuse of my credit information has caused worry, potential future fraud, and very likely identity theft by the bad actors.
We received the attached letter dated XX/XX/2018 from Wells Fargo indicating that our mortgage LTV was now below 80 % and we were eligible to cancel our PMI coverage. However, cancellation was not automatic and required us to pay additional principal or fees to Wells Fargo in order to cancel the PMI. Our first option was to pay Wells Fargo enough principal in order to reach 78 % instead of the 80 % as required by HPA guidelines. Our second option was to pay Wells Fargo 's PMI department an additional fee in order to do an appraisal to determine if the value of our home was adequate. In addition, they indicated that Wells Fargo was the only company that could complete the appraisal and no third party valuations would be accepted. This initial letter however did not specify the cost of this appraisal or how to order it. I tried contacting our local mortgage representative but she would not return my calls. 

On XX/XX/XXXX, I called the XXXX number listed to determine how we could go able ordering an appraisal. The representative on the phone basically restated on the phone what was stated in the letter I had already received. She indicated that she would send me a letter with additional information about the appraisal ordering process. She did not indicate how much this appraisal would cost. 

By not providing all information in the initial letter, it only allows Wells Fargo to continue charging debtors additional PMI fees while they send out additional letters. 

Today, on XX/XX/XXXX, we received the letter in the mail with the appraisal information. Wells Fargo wants {$560.00} in order to complete an appraisal to drop the PMI even though we've already met the 80 % threshold, have never missed a payment, have never been late on a payment, and have actually been paying extra on the loan. This is unethical and ridiculous. It puts us into a situation where despite hitting the 80 % PMI threshold we are required to either keep paying Wells Fargo the PMI, pay a large chuck of our principal, or pay Wells Fargo for an " exclusive '' appraisal just so that they can get more fees out of us.
THERE ARE UNKNOW INQUIRES ON MY CREDIT REPORT THAT I DIDNT MAKE
Yesterday on XX/XX/XXXX of 2018 capital one closed my credit card due to 3 return payments. After the first two retired payments in XXXX I called caplital one to see why the payments werent goin mg through. I talk to a supervisor she checked my account routing and transit number and made a suggestion that we check for accuracy on the number and it would be best to reset the account and routing number from my bank account. She then advised me to try the payment again and if it fails to call back. On XX/XX/XXXX I tried to make a payment of {$200.00} which also was returned. yesterday on XX/XX/XXXX I called Capital One to see what the issue was upon calling them I found out my account was restricted and then closed the same day. When I talk to the fraud department they said that my account was closed due to the THREE return payments and it was a violation of their policy .When I spoke to the supervisor from Capital One about the first to return payments she advised me to make another payment and if it returns to call capital One back I dont understand how my account was closed if I supervisor from Capital One are representative of Capital One advise me to make a third payment which led to the closure of my count I called capital One yesterday on XX/XX/XXXX to which they were not helpful at all they said that theres nothing they can do even though the supervisor from a previous phone call advise me to make a third transaction with my bank account. when I spoke to the supervisor from Capital One about the first to return payments she advised me to make another payment and if it returns to call capital one back I dont understand how my account was closed if I supervisor from Capital One are representative of capital one advised me to make a third payment which led to the closure of my account I called Capital One yesterday on XX/XX/XXXX to which they were not helpful at all they said that theres nothing they could do even though the supervisor from a previous phone call advise me to make a third transaction with my bank account