WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Sir or Madam : This letter is to dispute a billing error on my Capital One Credit Card. The amount is inaccurate because I have paid the balance in XX/XX/XXXX but it hasn't been updated since XX/XX/2018. 

I have enclosed copies of to support my claim. Please correct this billing error as soon as possible. 

Sincerely, XXXX XXXX
I was refinancing my loan with MLD Mortgage and we closed on it but they did n't fund the mortgage for a week and did not repay me the interest for that week. They also stated that they would not charge me for the closing cost but it appears as though they still did. After 2 months of me paying my mortgage directly to them ( without them providing me with an amortization schedule or an idea of how my payments were impacting the principle ) They then sold the loan to XXXX without reimbursing me the interest.
I have repeatedly stated that I was on XXXX. Not XXXX, both the medical Bill 's are paid. Plus, this collection agency is in violation of HIPAA rights. They cant provide me with my original bills I want these petty medical Bill 's removed permanently from all three credit bureaus.
To Whom It May Concern : My Mother XXXX XXXX XXXX passed away on XXXX XXXX, 2015. We purchased the house together and all though I am not on the mortgage note I am on the Deed of the house. We purchased the home in joint tenancy in the State of Colorado. We were advised when we bought the home that this was the best way to take title so that no formal Estate had to be established because in the event of XXXX of us passing away the ownership transferred to the survivor. Wells Fargo is making me chase my tail for an issue that can be settled. We are trying to short sale because when my Mom was sick she did not pay the mortgage and I can not afford with only my income. This is what they keep telling me : ( We need documentation that the person on the deed is able to sign for the deceased. The person on the deed is not on the loan. ) This makes absolutely no sense the only POA done for my Mother was medical and not real estate related. I did not think that we had to go through this because of joint tenancy title in the State of Colorado. If this was a normal sale they would accept my signature as the sole owner on title do not know why they are giving me such a hard time in the short sale process. Can you please help me get this issue settled??
I HAVE TWICE DISPUTED A CHARGE ON MY CREDIT CARD. THE CHARGE WAS FRAUDULENT BASED ON XXXX LAW. IT WAS A SCAM. BANK OF AMERICA SAID THE ONLY THING THEY COULD DO WAS FILE A BILLING DISPUTE, AND COULD DO NOTHING THAT INVOLVED LEGAL MATTERS. THE SECOND DISPUTE WENT TO ARBITRATION WHERE THE ARBITRATOR ( XXXX ) FOUND IN FAVOR OF THE MERCHANT. I FIND IT ABSURD THAT THE CARD ISSUER WOULD BE AN UNBIASED THIRD PARTY ARBITRATOR BECAUSE THEY GET A PERCENTAGE OF THE TRANSACTION. BANK OF AMERICA NEVER SAID XXXX WOULD BE THE ARBITRATOR. I FEEL THE WHOLE AFFAIR WAS HANDLED POORLY AND UNFAIRLY TOWARDS THE CONSUMER.
RE : Bank Of America Student Credit Card / Timeline of ReportingThis complaint shall serve as formal notice of my Intent to file a lawsuit against Bank Of America, due to its ' blatant and objectionable disregard of the law. 

I can show a judge that these accounts meet the requirements for removal and that they violated the Fair Credit Reporting Act by ignoring my requests to delete them. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way. 

This is not a request for validation or verification. 

Violations FCRA Section 611 Part ( A ) ( 1 ) {$1000.00} per violation. 

cc : Law Offices of XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXXcc : Board Of Governors Of The Federal Reserve System XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXXcc : Office of the Comptroller of the CurrencyXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.
My bank refused my check to an account that is from my bank. No one seems to understand what happened.Capitol One manages my XXXX Account.It is identified as a Capitol One Account, I called them to find out what happened and no one could explain. I was on the phone for an houreventually they wanted to do a conference call but the person was out to lunch. 
Then I was told to call back again. XXXX hours on the phone and no solution. 

The account is marked Advised. 

A report was made to credit sources and XXXX sent me a letter to advise that they had sent it to credit agencies.???? 
This is the letter that was sent to me online from the bank private mail.. 
Your payment to XXXX XXXX XXXX for {$290.00} on XXXX/XXXX/2015 wasrefused by the payee. This payee would not speak to a XXXX partyregarding the reason for the returned payment for the security of youraccount. 

We are in the process of issuing a refund to your checking account withCapital One. Please allow XXXX business days for refund to be applied ( excluding weekends and holidays ). 

We apologize for any inconvenience this may have caused. 

Thank you for banking online with Capital One, we appreciate yourbusiness and the opportunity to serve you. 

Regards, XXXXCapital One Online BankingI talked to XXXX XXXX but not to them and the bank and they said systems error maybe? What is this all about. If the bank has a relationship which is shown to be Capitol One, how can it not honor my check? 
Please advise. 


XXXX
XXXX/XXXX/2016 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Experian XXXX XXXX, XXXX, TX XXXX To Whom It May Concern I sent a letter to XXXX creditors disputing unauthorized hard Credit inquiries removed as erroneous on XXXX/XXXX/2016 and mailed them certified, return receipt requested. ( attached XXXX Certified mail receipts and return receipts hard copy and original request letter ) 30 days already pasted and creditors not responds my requests. 
Per the Fair Credit Reporting Act, Section 661 ( a ) ( 5 ), creditors have 30 days to investigate disputes. If they can not verify the information within the 30 day time period, you must delete all of the dispute accounts from my report. You must now delete the dispute and unverified accounts failure to do so can result in a {$1000.00} fine per undeleted item. 
Unauthorized Hard Credit Inquires Creditor Inquires Dates XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Bank XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX Bank XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX / XXXX XXXX / XXXX XXXX / XXXX XXXX / XXXX XXXX / XXXX XXXX / XXXX XXXX / XXXX XXXX Thanks in advance to your timely response to this request ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
XXXX XXXX XXXX XXXX
LVNV Funding LLC has listed as an {$460.00} collection on to my credit report. I have sent a certified letter to the collection agency, asking them to provide me with my signature, proving that the debt belongs to me, or to delete this reporting from my credit report.
They failed to do that, sending me the letter on   XXXX   XXXX   2017, without my signature, saying that they will resume the collection activity. I believe that they have violated FDCPA Section 809 ( b ) FTC opinion letter Cass from  XXXX .
1. Wells Fargo arbitrarily prorated seller concessions on its Closing Disclosure to make borrower paid fees appear to be less than what they were. The closer confirmed in an email ( see attached ) the reason they prepare the Closing Disclosures this way is avoid reporting exceeding allowable tolerances and to manipulate the APR. 

2. Wells Fargo did not disclosure all fees on the Closing Disclosure. Wells Fargo charged three ( 3 ) appraisal fees that included an initial appraisal fee, an appraisal update fee, and a final inspection fee. Only two ( 2 ) of these fees were closed on the Closing Disclosure. 

3. Wells Fargo intentionally underestimated our loan payment and closing fees on the Loan Estimate. Wells Fargo re-disclosed ( with no triggering event or new information ) reflecting fees much higher than disclosured when we originally applied for the loan ( though nothing changed ). Cash needed for closing was around {$7000.00} higher and the monthly payment was around {$700.00} higher. 

4. Wells Fargo was deceptive by attempting to make the Closing Disclosure hard to compare with the Loan Estimate as the full fees being charged at closing were not disclosed. They attempted to use a seller credit to make the fees appear to be less than they were. 

5. Wells Fargo is attempting to collect more escrow than allowed ( escrow amounts are known as Wells Fargo has the tax assessment and homeowner 's insurance invoice ).
Debt was closed on 2013 but it was re-open fir no reason by, debt collector stated it was an error
I setup a bi-weekly payment with Greentree financial and was required to be 1 payment ahead ( prepay 1 payment to establish ), payments were applied every 2 weeks as they were suppose to be when Ditech took over service account, they showed account past due and are putting the payment in suspense account stating payments are not applied until the full payment is received I then had a large insurance claim check that was overnighted XXXX they received XXXX, deposited XXXX and as of XXXX still not applied to my account. I have made weekly call inquiring as to the status to get a canned response that they are backed up and it would be 7-10 days before they could process
They will not stop calling my job ; the office where I work and leaving threatening messages. I called them & told them I can not receive calls at work- he said he was not going to remove my work number from the record and they were going to come serve legal papers at my job. I advised that is against CA State Law ; he laughed & said " have your attorney call ''
I noticed a fraudulent charge on my checking account with Capital One Bank. I ccalled and was told to come in and close the account. The account had a XXXX babalance and nothing pending. I closed the account. The banker cut the cardI have the paper where the account was closed. Now I am getting letters from CCapital one with NSF charges on the account after it was closed. I called thebank several times and was told that it is being taken care of. Now the feesare up to XXXX dollars. I spoke with a supervisor and she stated thatit was their mistake and for me to come in and close the account. 
I do n't want to do that because I already closed the account. Now she wantme to pay the fees and then close the account
On XXXX/XXXX/15 I requested validation of debt from Financial Control. As of XXXX/XXXX/15 I have not received any response. Furthermore, accounts appear to be duplicated.
Original company : XXXX XXXX ( {$94.00} ) Debt Collector : XXXX XXXX XXXX Reason : XXXX XXXX was completely paid because my utility was paid by government program due to my poverty level and joblessness. I left Pennsylvania 4 years ago and this charges showed up recently. I am single divorced mom with XXXX young children.
I spoke to the Company And was told that if I pay the Debt Off. I would receive a letter saying amount was paid in full and it would also say it would be removed from my Credit. I Was told by three different people it would be said on there. They also told me we were being recorded just to reassure me that it would say it will be removed. And I went and did a Bank wire to them so they would receive it next day. So I can receive that Letter. And when I received the Letter it did not say that. And I called them and asked what happened to the letter they said I would get. They said the letter is already generated. They ca n't make any changes to it. So I asked to speak to a Manager. So they passed me to another manager that told me the same thing. I asked to speak to someone above them or the Woman who 's name was on the letter. They Said She do n't speak to people. Only they can. I tried to be patient with them and asked all I need is the letter they promised me. And that 's All I Need. I paid what I needed to pay and Know I need them to keep there end of the bargain.
I have been current as possible with my loans over the past year, but in the past when I have fallen behind Navient has used manipulative tactics in getting a hold of me about my late payments. I have multiple loans with them that my father co-signed. Navient has always had my up to date address and phone number. I would never receive anything in the mail about my loans. Navient would send late notices to my parent 's address. I 'm   XXXX   years old and have n't lived at that address since I was 18. They would also call my parents phone number when I was late on loans even though they had my number. I believe they knew this and realized that it works better to call someone 's parents to get a response. My parents would complain to me constantly about getting 5 or 6 calls from Navient a week. I called Navient multiple times and asked them to stop contacting my family and contact me instead since I was the one that took out the loans. The only way I was able to stop this harassment was to make sure I paid every month even if it hurt my finances everywhere else.
XXXX XXXX XXXX has claimed that Account ending in XXXX has been charged off {$2900.00} I have requested that they send me validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. Letters were sent on XX/XX/18, XX/XX/18. At the time these credit cards were opened, i had just gone through a XXXX Bankruptcy and did not open new cards. These cards must have been opened fraudulently and against my name and without my approval.
Continue case # XXXX. CHASE keep lying to CFPB because I phoned CHASE two times on XXXX 2015 to have them to stop any payment to XXXX in case XXXX filed charges from my credit card. Each time, CHASE 's representative promised me that CHASE will block all charges from XXXX in case XXXX might charge me in the future.
Hamilton Law Firm continues to call me multiple times a week coneeding an installment loan ( online ) I informed them this was a result of identity theft and they stated they were going to take me court. They called back today even though I spoke with them yesterday and stated the same thing.
XXXX Please take a look at this link above. I have been a customer of Chase for over 15 years and never had any issues with the company until now as well as never a late payment. They placed a 30 day late on my account ending in XXXX which I was not responsible for in this situation. I have never had a late payment on any revolving credit card account in my life at XXXX years old. How can Chase not recognize that I have been a great customer and that they made a mistake here. It seems from consumer affairs there is a real problem here. Please remove the 30 late and do something right with integrity.
On XXXX XXXX, XXXX I submitted an online dispute with Equifax credit bureau ; on XXXX XXXX XXXX a collection item added to my credit report on XXXX/XXXX/XXXX. The equifax online system was having problems and directed me to an online form to fill out because the system could not pull my report items up at that time. The system asked me to fill out the name of the collection item with the account number and the amount of the debt and date reported and click submit. My name, social security, and Birthday information was pre-populated on the form already. I typed in only one account XXXX XXXX XXXX Account number and {$1500.00} amount with the reported date of XXXX/XXXX/XXXX. On XXXX XXXX I received an alert that an reinvestigation was being done on a totally different account than the one I disputed and dropped my credit score 5 points. I immediately called Equifax for an explanation. I was told that I disputed every account on my credit report stating that the accounts were not mine. I told them this was an error on their part and I wanted it corrected immediately. I was told that I did it online and they could not stop the investigation on all the accounts. I explained to them what I did and they stated they did not have a dispute for XXXX XXXX XXXX but they had a dispute on everything else on my credit. Please tell me why would I dispute every good item on my credit report and say it 's not mine, and leave the only bad item that just appeared on my credit less than a week from my call and say, " that bad debt is mine '' but all of that good credit, " that 's not mine ''.
cra violation sent the police report and idtheft gov inaccurate information on my credit costing me my life and consumer XXXX of dollars XXXX breach has caused all this
My JP Morgan Chase was modified on XXXX XXXX, 2013. While I signed the documents, I realize that I was desperate in an effort to avoid foreclosure. I now believe that the fees added to my original loan was excessive. My original mortgage balance increased from {$180000.00} to {$220000.00}, approximately {$36000.00}. The condo is even more underwater & over market value now, by at minimum {$80000.00}. Afterwards, JP Morgan Chase sold the mortgage to XXXX , XXXX ( loan # XXXX ). Please investigate this matter to have them explain the excessive fees. Thank You
M y credit score is affected by " the number of delinquent accounts '' which does n't make any sense to me. I do n't remember having a late payment in recent history. In fact, my FICO report shows that I 've made 100 % of my payments on time in the last 24 months.
I received a phone call to collect a debt of {$730.00} for a medical bill. I asked the representative that contacted me in XX/XX/XXXX what the debt was for and I was told that ''it was for a visit to see my primary care doctor for a routine exam in XX/XX/XXXX ''. This is health information that the debt collector should not be in possession of I asked the name of the ''primary care doctor '' and I was not provided with that information. It is my right to know the original creditor. I also asked the agent if she was in possession of anything that would give her the legal right to attempt to collect a debt from me she never answered that question.She never verified my information so I asked her my address to make sure she sent the validation to the correct address and she verified an incorrect address with me. 
I asked XXXX XXXX XXXX to validate the debt and I received a letter ( that went to the incorrect address that was later forwarded to me ) stating that this debt is from XX/XX/XXXX for the sum of {$510.00}. 
The debt is reported on my credit as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XX/XX/XXXX {$730.00} {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I then requested that I do not want the company to contact me anymore until they call legally show me proof that I woe this debt to them.
Late XX/XX/2018 I set up bi-weekly payments with Suntrust Mortgage. I had purchased a home in XX/XX/2018  and the mortgage was sold to Suntrust right away. I have never made a late payment or missed a payment with any mortgage company in the last 30 years. I made my regular XX/XX/XXXX payment which posted to the account on XX/XX/XXXX. Then on the XXXX and again on the XXXX Suntrust deducted half my payment to start the bi-weekly payments on XX/XX/XXXX. The XX/XX/XXXX payment has not posted. The payments are sitting in a suspense account. I called 4 different times on 4 different days in a row to inquire about this, I was told the first 3 times it will post tomorrow. On XX/XX/XXXX I spoke with a rep who said she has to submit a special request to have the funds moved from suspense to my payment and it could take 7 business days putting me past the late fee period. She said since I didn't pay a full month in advance on my mortgage I don't qualify for the bi-weekly payments and I would have to call each month to have the money moved from suspense. Now it is becoming a problem to get the money they are holding applied to my XX/XX/XXXX payment and I don't have the funds to make an additional payment while they work this out. This feels like a very crooked process to charge late payments to unsuspecting consumers.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX. 
XXXX-XXXX Inquiry from XX/XX/XXXX + Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I have no recollection of this collection. NCA. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. 

NCA
I signed up with the .001 % loan rehabilitation program with Financial Asset Management System ( FAMS ) and XXXX for my student loans. When I started the program I was told that my credit report would be updated after XXXX payments of {$250.00} per month to reflect the new rehabilitation program. In addition, I was told by the FAMS representative that my credit report status would be changed to in repayment after 3 monthly payments of {$250.00} each month. Financial Asset Management Systems misrepresented and flagrantly lied about my credit report being updated. I have made 4 monthly payments of {$250.00} and my credit report has not been updated. When I have asked FAMS about my credit report not having updated as of yet, I am told that they are " working on it. '' I was lied to in regards to my credit report status changing. In addition, I have never received a statement balance as to where my payments have been applied to, collection costs, fees, and current interest rate on my loans.
JP Morgan Chase filed a foreclosure action case number XXXX, they would not allow a modification or honor the consent agreement. What is the purpose of the Consent Orders in XX/XX/XXXX, XX/XX/XXXX, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller? What good is the Consent Order agreement if it is intended to be teeth-less.
XXXX XXXX ran my credit and eveything that i disputed was back on my reports XXXX XXXX XXXX ran it for XXXX XXXX I was suppose to receive all XXXX reports I only receive XXXX I then called TransUnion and XXXX they wanted proof I sent proof again they wanted proof this has been going on the last three years. It makes my pre-approvals XXXX. i get a pre-approval then credit reports put dispute back on report after removing it. Help me please