WillisBack/dataset-financial-user-claim huggingface dataset:
Attention : XXXX XXXX SVP Consumer Services XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX cC : XXXX XXXX Sr. Attorney GROUP General Counsel, XXXX XXXX XXXX XXXX , XXXX IL XXXX Cc : Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX I have filed three disputes and on XX/XX/2019 XXXX deleted it. I also contacted the the bankruptcy court listed as the furnisher of this infomation and the account and the clerk responded that it did not provide this information to XXXX  ( Letter attached ). 
XXXX have listed an inaccurate Chapter XXXX- Bankruptcy record on my file. On XX/XX/2019 I received notification via email and mail that this reporting was removed, REPORT # XXXX. Then on XX/XX/2019 - Report # XXXX & Reference # XXXX. I received notification that it was placed back on, and the Bankruptcy Chapter XXXX reporting item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from my file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Also, under the Fair Credit Reporting Act, the original furnisher under FCRA 623 ( a ) ( 8 ), must provide variable proof of evidence, provided to XXXX, conducted by a thorough investigation. If you have no proof, but state that the results of the  investigation show the negative information is accurate, then I will have XXXX  on an actionable, sue-able offense.

FCRA 611 ( a ) ( 6 ) and ( 7 ) requires XXXX  to provide me with a description of the procedure used in providing and obtaining this particular bankruptcy recorded, including if it was obtained from a third part information broker and sold to your firm. I legally have the right to see that the information that you are providing is metro-2 complaint and requires personal identifies. I have been advised by my consumer attorney, that XXXX IS REQUIRED by the National Consumer Assistance Plan provisions to ensure that each public record does not create a mixed file circumstance, which I believe has happened in my case.

FCRA Section 611 ( a ) ( 2 ) also requires XXXX to contact the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy showing on my credit report that you maintain under my social security number. As well as Section 611 ( a ) ( 1 ) ( A ), requiring XXXX, by federal law to verify- through physical verification of the furnishers information you have listed on any filings on my credit report associated with every account.
This file has been in review for over 100 days, a complete packet was received/confirmed months ago. However, week after week underwriting requests documents they already have on file or clarification on thing that were already noted and provided. It is one thing after another and zero progress is being made.
My credit score was recently reduced from a creditor claiming that I owe money regarding a traffic citation. I had made disputes on my report regarding several alleged citations issued by the state of Wisconsin and was removed from my credit report. 2 months later, a new collection agency appeared to have maid another claim. At no point had I ever made a promise to pay to the state of Wisconsin either through verbal or contractual agreements. 

I would also like to add, throughout the last 10 years these creditors have continuously reported to the credit bureau 's for citations that have been paid. When asked why it had even reached a collection agency being the citations were paid on-time, the response was " because you did n't pay a {$5.00} fee along with the citation. '' This includes XXXX XXXX XXXX XXXX XXXX. 

This has been going on with the state of Wisconsin for MANY years now. I ca n't help but feel that I have been treated unfairly by the state as well as their creditors. These traffic citations has not only hurt my driving record, my credit report as well as my occupations. At what point is this punishment enough? These citations have dramatically impacted the quality of my life ... .. A TRAFFIC CITATION. 

My credit score dropped XXXX points from this most recent attack. I really had high hopes in creating a better financial profile for myself being I 'm going into accounting.
XXXX was notified to terminate services as of XXXX/XXXX/XXXX on XXXX/XXXX/XXXX. I had no written or verbal contract with XXXX that had a pre-determined time period or a specific notification required regarding notification to terminate services. 

Upon receipt of the first bill from XXXX after my request to terminate services another call was placed and the request to terminate was once again provided, noting that I originally called and terminated services on XXXX/XXXX/XXXX. 

On XXXX XXXX, I sent a letter to XXXX and The CBE Group Inc. ( XXXX collection agency ) asking them to cease collections activity. On XXXX/XXXX/XXXX I received a letter from The CBE Group advising with XXXX response which was merely a copy of their billing statements without proof of claim. 

I have attached my XXXX bill ( internet ) and my XXXX bill ( television ) in support of my claim that a request to terminate services was made to XXXX. 

XXXX simply did not document the request, not once but twice.
CHASE BANK WHOM I HAVE BANKED WITH FOE XXXX YEARS TOOK MY {$10000.00} WHEN I ASKED TO CLOSE MY ACCOUNT AND NEVER CLOSED MY ACOOUNT. AND THEY HAVE CHANGED MY STATEMENTS TO SHOW THAT I OWE THEM XXXX WHICH DOES N'T CORRELATE BECAUSE I HAD XXXX PLUS XXXX IN CHECKING AND SAVINGS ACCOUNT RESPECTIVELY. 

NOW WHEN I WENT TO THE BRANCH AND FORCED THEM THE MANAGER PRINTED OUT XXXX PRICE OF PAPER SAID NEGATIVE XXXX DOLLARS AND THEN POSITIVE XXXX EQUALS XXXX ENDING BALANCE. MEANS IT 'S XXXX NOW SO ATLEAST NOW MY ACCOUNT SHOULD BE CLOSED WHICH THEY ARE NOR CLOSING. THEY MADE MY INFORMATION PUBLIC AND BECAUSE OF CHASE BANK I AM VICTIM OF ID THEFT. THEY HAVE DISCRIMINATED AGAINST A MINORITY WHIXH IS SIMPLE AND STRAIGHT FORWARD AND I THEN LEARNED HOW MANY OTHER PEOPLE HAVE BEEN HURTED AND LOST EVERYTHING BECAUSE OF CHASE BANK. I WANT MY MONEY BACK VIA CHECK AND CHASE BANK NEEDS TO BE SUSPENDED FOR XXXX WEEK ATLESST. FIRST, I WANT MY XXXX PLUS XXXX BACK IN XXXX HOURS AND A LETTER STATING MY ACCOUNT BEING CLOSED IN END OH XXXX WITH ENDING BALANCE IN CHKN XXXX AND SAVINGS ACCOUNT {$2200.00}.
When booking a flight on Southwest Airlines an offer was available to open a Chase Southwest Rapid Rewards credit card to purchase the tickets. It showed the amount of my ticket purchase and said I would receive a {$200.00} credit on my first statement. I opened the credit card and purchased the tickets. When I received my statement it showed the amount of my ticket purchase and the {$200.00} credit BUT it also had a {$99.00} Annual Membership Fee. The Annual Membership Fee was not disclosed transparently in the information first seen by me the consumer. I was told by a manager named XXXX at Chase that the Annual Membership fee is disclosed later ( obviously in the fine print disclosure ). I am disappointed that Chase is not following the transparency regulation and is sticking the annual fee to customers on the back end instead of showing it in the enticing advertising when consumers are booking/purchasing airline tickets. I want to be credited for the {$99.00} annual membership fee.
XXXX late medical bills for which my wife was the patient were posted to my Credit repot. The debt collection agency Was Grant Mercantile in XXXX, Ca. The billing medical facility was XXXX XXXX XXXX of XXXX, Ca. and XXXX XXXX XXXX of XXXX, Ca. My Name is XXXX XXXX. The items on my credit report were # XXXX and # XXXX. I understand that myself and my spouse are XXXX family unit and responsible for each others bills. However outstanding bills from my wife 's medical treatment should be posted to her credit report.
Dismissed Bk Check again a with the law bk can stay from the date they were Add to adjudicated incase you did not know that means the time it was processed through court so the very act of dismissing means it was not adjudicated however since you it still is ok Equifax knows who I am if they say they do n't again it because they are lying. They do n't need proof of anything they have it. here are my list of problems with them 1. CA state tax liens there are XXXX of them they keep verifying them they pad and released but that 's not the issues the problem is the dates the amounts and who they belong to. I want the method of verification I want to know who you speaking to and at what number you contacted them I want to see all paper that was included in that verification and just saying the court is not good enough because it does not meet FCRA standers.2. The being verified I am requesting method of verification such as filing dated dismissal date what was included in the BK address used in the filing and whom you spoke to and when you spoke to them and at what number so I am to talk to them in regards to your verification Well that brings me to the number XXXX The federal tax liens you have it all wrong the dates the amount whom they belong to and that they are withdrawn given that again I am requesting method of verification it is my right and your duty to provide me with this information or remove it under the FCRA they also are reporting XXXX collection accounts from XXXX this company is being reporting illegally on my credit and this company has been reported to the XXXX because of hippia violations and they are now involved in that XXXX they are also reporting southwest recovery and they agreed to be removed through this web site
On XX/XX/XXXX, I sent certified documentation to Midwest Recovery Systems proving that I did not owe three collection amounts that they sent and repeatedly update to the credit reporting agencies. These medical bills were covered under charity care and I sent MRS letters from the hospital. I also sent this to the junk  debt company before MRS -- XXXX -- and they deleted the information immediately. Although my letters were received by MRS , they choose to blatantly ignore me and FCRA laws and continue to harm my credit profile with impunity. They 've also re-aged ( dates are from XX/XX/XXXX, not XX/XX/XXXX ) and re-inserted illegally. The amounts in question are : {$37.00}, {$65.00}, and {$1000.00} ( originally only two accounts that they broke up into three to their benefit ) from XXXX XXXX XXXX which is associated with XXXX XXXX XXXX XXXX as indicated on the letters. Before I 'm forced to go to small claims court, I 'd like CFPB to step in. Thank you.
I received a call from someone claiming they were calling on behalf of NCA for money I stilled owe. When I asked them who it was that I still owed theyou told me XXXX, I told them I had paid them off around a year ago. After I told them that they proceed to tell me that it was actually for XXXX XXXX XXXX, which I had paid off in XXXX of 2016 and I let them know I had already paid that off but they proceed to tell me I still owed money. After I got off the phone with them I contacted my bank and they told me I owed them no money and they had no idea why this person was contacting me.
I contacted my Mortgage Company ( CitiMortgage ) on XXXX/XXXX/XXXX to Refinance my home, as they held my home Mortgage since XXXX, and I needed to start some home improvement. 
Within few minutes I was Pre approved for the amount of {$210000.00}, as the loan process started I complied in full with the documents they required. After my home was appraised for {$410000.00} higher value than what I originally assumed ( Citi chose the appraiser, and I paid Citi for that ) they came back asking for more documents. after weeks of uploading more documents to their web portal, I waited for another week and requested an answer, on XXXX/XXXX/XXXX I received an Email from yet another processor asking to upload more documents. Yet I have no answer of whether the loan will ever get approved.
On XX/XX/2018 I had mechanical work done at XXXX XXXX XXXX, the work was misdiagnose as an oil pan leak they charged me {$400.00} and when I got home I noticed I still had the oil leak on my car. I contacted the credit card company which is XXXX they contacted XXXX XXXX XXXX and sided with the company. I wanted them to not pay for the work because my car was not repaired properly.
I attempted to renew my income based repayment program and the paper never went through after repeated attempts. In XX/XX/2015 I  began consolidation of multiple student loans. XXXX XXXX XXXX XXXX XXXX was notified. They delayed the consolidation process and while my loans were in the consolidation process the continued to report them as being delinquent and past due. I have submitted several disputes about this with them. I had issues with the other student loans companies that were part of the consolidation and those issues have all been fixed. XXXX XXXX XXXX XXXX admitted to the mistake on there end but refuses to change the reporting on my credit report. Currently the account is closed and paid % 100. There is also a period of late reporting which was caused by them not processing my deferral request after several attempts. XXXX was very hard to deal with they were one of the only lenders who did not except electronic submission of documents and there was no way for me to confirm that they had actually received documents or processed them in a timely manner.
I received a letter from XXXX XXXX XXXX regarding a XXXX debt of XXXX. The letter was addressed to XXXX XXXX, which is not my name, but sent to my address. I know nothing of this debt and tried phoning the number in their letter to explain this. However, every time I attempted to press Option XXXX I was directed back to the Options menu again. I wrote to the company instead explaining that I was not XXXX XXXX and knew nothing of this debt and asking them not to contact me again. However, my letter was ignored and I now receive daily automated phone calls urging me to telephone them, despite the fact I am registered with the TPS. Although I have blocked their calls, they leave an automated message. 
Yesterday, I received a letter from XXXX, another debt collection company, again addressed to XXXX XXXX, and this time the debt is for XXXX due to XXXX XXXX. Again, I have written to them to inform them I do not owe this money and I am not XXXX XXXX. The letter was sent by recorded delivery.
Mailed Midland Credit Management detailed legal requirements for validation of an alleged debt. All they sent back were statement copies.
I have consistently called Citizens One to find out when my next monthly payment is due ( I have paid a number of payments ahead of schedule ) to sequence when I want to pay off my car loan. 

Wait times are over one hour on the call, when I do have somebody to talk to twice I have been disconnected. It seems like they have put no resources into servicing loans, and it is frustrating. It should not be this hard to talk to someone.
I have a released state tax lien from the   XXXX   XXXX   XXXX   on my credit reports at  XXXX ,  XXXX , and Experian. The lien was filed on  XX/XX/XXXX  and was " paid satisfied and ordered canceled from record '' on   XX/XX/XXXX   ( see attached ). I understand that released tax liens can remain on your report for up to 7 years, however you can request that they be removed. I filed disputes with the  Credit Reporting Bureaus, who stated that they need documentati on from th e   XXXX   XXXX   XXXX   XXXX   requesting that the released lien be removed from my r eport - they report that the information is accurate and it is listed on my credit report as 'released. ' One credit bureau stated that the disputed information was updated, but my credit report remained the same. Experian will only allow you to dispute fraudulent information. I contacted th e   XXXX   XXXX   XXXX   XXXX   who advised me that they will not write letters and do    not have any type of withdrawal form for satisfied state tax liens as are in other states. I would like this lien removed from my credit report. It has been paid and released for over 5 years now and I can not get any cooperation or assistance from either the credit reporting bureaus or the   XXXX   XXXX   XXXX   .
I have several issues with not only the information being provided to the credit bureaus by XXXX XXXX, but the accuracy of that info as well.
To summarize the issues I 'd like to see resolved : 1. There are multiple trade lines XXXX XXXX is reporting to the credit bureaus : one states is was opened on XX/XX/XXXX and the other opened on XX/XX/XXXX. Both have the balnce of {$2000.00} ( see attached screenshots ).
2. Both of these closed trade lines are reporting incorrect payment history as well. Showing that I was more than 149 days past due, I have never been 149 days past due in my payments on this account.
WELLS FARGO HOME MORTGAGE IS CREATING PROBLEMS HAVING THEIR AGENTS XXXX OUT OF XXXX XXXX SENDING MY TENANTS A LETTER STATING THEY ARE FORECLOSING IN 2 MONTHS!!!! OUTRAGEOUS ON XXXX HAND THEY STATED THEY ARE ESCALATING MODIFICATION BECAUSE THEY HAD INPUTED THE WRONG FIGURES AND NOW THEY DO THIS .THIS HAS ONLY SERVED TO MAKE MATTERS WORSE!!!
I did not realize that it was this company calling me I have been getting phone calls from this company for weeks back to back. I do not answer unknown numbers but today I did because I wanted to know who was blowing up my phone from this number and of course it was Credit Counsel inc.
You recently verified that XXXX items belong to me. How do you or where did you get that information from. XXXX XXXX has no validation of me, They have sent me letters stating not my name. XXXX of the letters had to different names. XXXX letter had a name that was similar to mine, and the other letter had a different name as well. The account in question stated phone numbers. I have never seen the numbers, never possessed any of the numbers they mention. 
Please read this Notice and Demand very carefully ; failure to reply may subject you to criminal prosecution. Credit File dated XXXX XXXX, 2015, I received an re investigated letter from Equifax alleging that I owe a sum of money or property for an alleged past due amount that has been placed with for collection. I do not owe this corporation any money or property as I have never conducted any commerce with this said corporation and no contract obligating performance has been evidenced. XXXX XXXX does not have the standing to collect any money or property from me. I hereby dispute and deny the alleged debt. I have a Right to Due Process of Law which may be satisfied by producing the documents demanded in this correspondence within the time allowed. I would like for you to provide me with full documentation Full, that I have a contract with XXXX XXXX and by law that they have the right to collect a debt validated with all of my personal information is accurate.
I called  XXXX  who is the services my student loans multiple times to figure out why I have over  40  late payments on my student loans. I explained to the agent that my loans were in forbearance and deferment which means I was not obligated to pay the student loans those times because my payments were put on hold for the forbearance. The agent agreed that in  XXXX  my loans were in fact in forbearance, but  XXXX  would not remove the late payments. The agent then proceeded to tell me to contact the credit bureaus to see if they can remove them or wait the  7-10 years so they can fall off my credit report. I do no t think it is right to penalize someones credit worthiness by putting late payments on their student loans when they were not obligated to pay due to forbearance and deferment. I contacted all   XXXX   credit bureaus and asked if they can delete the late payments. They all declined and informed me that the original creditor would have to remove the payments. I feel as though this issue will never get resolved
1. IC System Inc XXXX XXXX XXXX XXXX, MN XXXX Reports to XXXX, XXXX XXXX, and XXXX that I am delinquent on a debt they purchased from XXXX XXXX. They have reported the debst as collection account for {$400.00} past due as of XX/XX/XXXX, to remain on until XX/XX/XXXX I have tried several times via certified mail to to the credit bureaus and to IC System to request proof of the debt under FCRA, and they have not sent me proof of debt. 

Please investigate IC System and have them remove debt.
On XXXX XXXX, XXXX, a check was deposited into the XXXX XXXX XXXX XXXX XXXX TX BBVA Compass branch ATM. An hour later the deposit had not shown in my account. I called BBVA and spoke to a male agent who was said he was researching the deposit and put me on hold. After about 10-15 minutes of this, the agent hung up on me. I called back and spoke to another agent who said the investigation department was closed so I had to call back the next day. I called back today, XXXX XXXX, XXXX and reached a female agent. I was on the phone with her for 24 minutes and was on hold for about 10 minutes after I told her I need to speak with someone who can credit my account with the funds since they were sitting in the BBVA ATM. After I was hung up on, I called again and spoke to a male agent who finally gave me dispute # XXXX. He put me on hold and called the investigators department. He came back on the line saying they would not speak to me. I then spoke to the agent 's supervisor, XXXX # XXXX who refused to provide resolution. 

This money was to pay my driver. I am a new XXXX XXXX XXXX who does not have extra money sitting around to cover my driver 's pay twice. It was a malfunction of BBVA 's  ATM and I should not be penalized for 10 business days due to their machine malfunction. I want my account to be credited within 24 hours of receipt of this complaint, if not sooner, of the {$260.00}, which is the amount sitting in their ATM. 

This is the worst customer service I have ever experienced with slow, out-of-date processes, no consideration being made for customers being damaged financially due to their malfunctioning machinery, and phone agents who make it impossible to get solutions to help their customers keep their businesses running smoothly. This is not an institution that is in it to help small businesses.