WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX Account number : XXXX Vehicle Identification Number : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX TD Auto Finance XXXX XXXX XXXX XXXX, XXXX  XXXX Re : Disputing error [ s ] on credit report To whom it may concern, I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report. The report shows I currently owe {$3200.00} and also I have been late of payments from XX/XX/XXXX to XX/XX/XXXX. However the account has been closed since XX/XX/XXXX when was determined a total loss due to damage of car. The company received payments from my insurance company as well as my GAP coverage and all other vehicle contracts payment which is listed in payment history which should have cover the balance of the car. I recently obtained credit report in XX/XX/XXXX and discovered the company had a balance of {$3100.00} and late payments from XX/XX/XXXX to XX/XX/XXXX payment status charge-off. I was aware the company received payments from all insurance companies and believed account was paid in good standing. Once I reached out to the company and disputed the issue with all three credit consumers in XX/XX/XXXX to fix errors XXXX XXXX XXXX stated the balance was incorrect and requested time to fix error but stated they did not have to reach out to me about any balance been owed however that would have help the situation if company communicated before adding late payments and incorrect balances to my credit. After the dispute I received my updated balance which is {$910.00} XX/XX/XXXX. I reached out to company once again to ask why did they update the balance to {$3200.00} and also the late payments from XX/XX/XXXX to XX/XX/XXXX on my credit report. The company stated the balance of {$910.00} need to be paid before updating my credit report but have once again updated false information as you can see in XX/XX/XXXX and the credit reports giving. I will like the information removed immediately from my credit report which is making it hard for me to open other lines of credit. This matter should have been handled with better judgment and I know the account has been updated but not correctly. I have never missed a payment and should have received a letter months ago pertaining this matter. 


I have attached both copies of my report with the accounts from XX/XX/XXXX and XX/XX/XXXX it shows they did not update it to the correct balance also they added more money to balance and more late charges. The payment history I obtained from company. Also the only letter I received from the company this year regarding the balance. 


Thank you for your assistance. 

Sincerely, XXXX XXXX
On or around XX/XX/2017 I attempted to make a payment on my credit card with Navy Federal credit union. I recently switched banks from Navy federal to XXXX XXXX in mid XX/XX/XXXX. When attempting to make a payment i was only aware of one XXXX XXXX account linked to my Navy federal account, which was the account I used to make a payment on my Navy federal credit card. The problem is, is that Navy federal attempted to make that payment with a closed account that was linked to my Navy federal account from nine years ago. I was never Notified via Email which is what XXXX XXXX the business operations specialist is claiming their form of communication had been done through, however after speaking with a representative at the branch they stated my email notification was turned off and was not able to send an email. I also never received notification through my online banking which is another form of communication aside from email. It was not until mid XX/XX/XXXX that I got notification and that was not from Navy Federal that was from XXXX XXXX   showing that I had a late payment after my credit score dropped 65 points due to them reporting a late payment. I have tried to make this right and get down to the bottom of this misunderstanding with Navy Federal but they are not willing to fix this. I was told they were sending me a letter explaining why they could not fix this and still after 12 business days have yet to receive any form of communication regarding this matter with Navy Federal other then their initial response stating they sent an email notification when this first took place.This is my second complaint I have filed with CFPB regarding this matter. Navy Federal has taken no responsibility and refuses to make this right. Complaint Number from First complaint XXXX
Incorrect XXXX XXXX XXXX Inquiry posted to my account on XX/XX/2017. It should be removed from my report.
When I received my Wells Fargo Business Card statement for XX/XX/XXXXXXXX, there was a {$600.00} Cash Advance taken without my knowledge on XX/XX/XXXX from my Business account XXXX XXXX XXXX. I never take out cash advances on any of my credit cards. I told the bank this when I opened my business account on XXXX/XXXX/XXXX under both my maiden name and married name. I asked Wells Fargo Bank in XXXX, NC for documentation and the signature was electronically superimposed on the form. This account ended in XXXX - XXXX XXXX XXXX Platinum Card. They responded that it " appears to match my signature on file. '' I made a payment in cash on XX/XX/XXXX at that bank on another credit card. I manually did not sign for any cash advance as I try to keep my balances paid off or I pay {$1.00} - XXXX on my credit cards and would have no need for {$600.00} when I paid the other card in cash that same day. The time was not stamped on the cash advance form. I went to XXXX that day also. Without the video of that transaction, showing me counting the {$600.00} in front of the cashier, I know someone in that bank, having access to numerous signatures, particularly my Business Operating Agreement looked similar except the account has two last names, not just one. No printed receipt of the cash being paid to me either. This was no mistake, my personal banker was terminated and is under investigation for this. A rep. from the XXXX XXXX, NC branch wanted to transfer to XXXX and is now sitting in my personal banker 's office. This bank scammed me and is covering up for the person who actually hacked my account. They may have done this cash advance scam on others who do n't check their statements. I requested a form two weeks ago from your office so I could mail my documentation but it did n't come. Wells Fargo is FDIC but refuses to provide the video showing me getting the {$600.00} because they do n't have it. They took out my middle name from my signature files and only put my married name on it, Since XX/XX/XXXXI have had accounts with Wells Fargo and NEVER one cash advance. PLEASE investigate the Wells Fargo SCAM of taking Cash Advances from their customers.
Recently I was reviewing my most recent " TransUnion '' credit report when I noticed that it had incorrectly reported that I had at one time lived at : " XXXX XXXX XXXX ; XXXX, California ; XXXX. '' I have NEVER physically nor legally lived at that address. When I called up " TransUnion '' to please " delete '' this Identity Theft false notation off my " TransUnion '' credit report, they completely refused to do so.
I have constant calls and voicemails from this company leaving vague, threatening messages. I have been getting these messages and calls for several weeks now. The message states that I have been uncooperative in addressing legal documents, however I have yet to receive anything in the mail related to legal documents, been serves with any legal documents, or had an attorney contact me. The message goes on to state that they will be left with no recourse other than to report my non compliance. The message is very vague, yet threatening. I get a call from them about four times a day, with the same message, or just a hang up. I called today and spoke with two different representatives, who kept avoiding my questions. I asked for the name of the company which the first rep. refused to give me, I asked her for their address and she refused  again, she wanted to know why I needed that information, and became argumentative with me for simply asking for their information. The second phone call a man answered and again kept dancing around my questions and speaking over me and would not answer any of my questions. I asked him to remove my phone number and he refused. He said he would send my information over to the county and get it verified, before anything would be done. I made it clear that I wanted to have the phone calls and threatening messages to cease and desist. He argued with me eventually told me that " He could not with me anymore '', when I simply was trying to get information as well as the calls to stop. At one point the man on the phone started to give me an address and cut himself off to give me a different address. After I told him he could also give the other address that he started with, he rudely replied " I know what my job is and what I can and can not do, thanks for letting me know. '' I have several voicemails indicating their deceptive practices, as well as recorded phone calls of the representatives rude unprofessional behavior.
On XXXX/XXXX/2017 at XXXX local AZ time, XXXX XXXX called requesting to speak to XXXX XXXX . I verified the name was correct. He then proceeded to state the name of his collection Company - Thunderbird Collection Specialists. However he failed the following FDCPA rules when trying to collect on a debt. He failed to fully verify besides my name that he was speaking with the correct party. He failed to state the mini miranda, failed to state the debt collector disclosure and failed to state that the call may be recorded. He also stated that he was calling to see how I was planning to rectify this debt that is in their office before he advises his client to take me court to collect on this debt. He also told me he had left multiple messages to a person who I identified to be a relative, regarding this debt. When I advised him of what he had failed to do prior to commenting that he was calling to collect on a debt and that I was going to just end the call instead of speaking with him, he preceded to state that he was going to status " my account '' in their office as a Refusal to Pay. When I responded back to him and stated that I was not refusing to pay anything, he began to be rude by interrupting me and then he hung up on me.
1 ) I am contesting that XXXX XXXX does not have my original loan documentation and that if XXXX XXXX can not provide these original documents, I am not bound to contract with XXXX XXXX. 
2 ) If my original loan contracts can be produced to me : my account is currently " on hold. '' I am currently waiting ( indefinitely at this point ) while XXXX XXXX processes my request to change my IBR plan to IDR plan. XXXX XXXX is not honoring the 10-day review and processing time-frame. This request began on XX/XX/2018 ( now two months ago ). This is unacceptable. I have had numerous delays in the past. I believe these delays are due to the lack of original loan documentation. Further, XXXX XXXX is not honoring their contract with me to provide me adequate measures for loan repayment. If my original loan documents can be produced by XXXX XXXX, then XXXX XXXX needs to provide me with responsible service and acceptable means for loan repayment.
I have used PayPal several times without issue, mainly with my credit card as the form of payment. However, twice now ( out of a small number of transactions ) I have had a problem with a seller, resulting in no transaction completion, yet PayPal holds my money leaving it tied up for days/weeks/months. The common denominator is the use of a PayPal balance, rather than a credit card as the method of payment. They market this balance as online cash, yet when a transaction falls through, it operates like a black hole, unlike cash whatsoever. 

This is problem # 1 : false and misleading marketing Problem # 2 : While this is happening, PayPal is earning something called float in financial markets and likely are investing funds that are not theirs ( failed transaction ) in short-term financial instruments, keeping the gains for themselves. This is more serious and may violate banking laws. Even if they are not investing it, by holding a customer 's money when no transaction has occurred, they are depriving customers of usable funds without compensation. Since a customer ca n't spend their Paypal balance while it 's in limbo, a customer is forced to spend real cash ( fungibility of funding methods ) in its ' place, losing the time value of that money. Separately, I 'm checking with Federal consumer agencies to see if this breaks US banking laws. 

This just happened for the second time on XXXX XXXX ( 2016 ). I attempted to use my online PayPal balance to make a purchase for {$100.00}. PayPal is for all functional purposes an online bank in these transactions, and should be subject to related banking regulations. In this case, the merchant ( XXXX ) had a problem on their side, and we did n't connect live within 48 hours. As a result, XXXX informed me that they " cancelled '' the transaction. Having no goods/services for my {$100.00}, I expected my PayPal balance to reflect the cancellation quickly. It did n't. I finally got a XXXX rep with enough skills to get me the XXXX phone number and information. The information was that I needed to get PayPal support on the phone and conference in XXXX. XXXX confirmed on the phone, with me as a witness, that PayPal should release my funds back. The PayPal rep said that she could and would start the process when I hung up. Two days later, no funds released. I called tonight and the whole circular fire-drill was about to start at square one. To me this is : 1 ] Theft of float without compensation 2 ] False marketing of a financial instrument -- if a cash/electronic checking transaction is cancelled before completion, I 'd get my finds back very quickly, perhaps never see them gone at all. In this way, my PayPal balance is not like cash at all -- they can hold it for as long as they want even though it is " for the benefit of '' money, not theirs at all.
I have disputed this debt with ability recovery services, they have yet sent ant validation as required by 809. Validation of debts b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a )  unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 
I would like also to address that Ability Recovery services is in violation of Oklahoma laws as well, Oklahoma laws requires that a business such as collection company must register with the : Oklahoma Secretary Of States and/or have a registered agent - in which Ability recovery service has not and does not, Ability Recovery service can only collect, and do business in the State of Pennsylvania, IF Ability Recovery services would like I will bring these issue up in small claims court, I would not like to file in court but they are forcing me to, so to make clear if filing in court is my last option then I will, at this time cause I have dispute with out response several times I know can file in court the same as I have done against Account Resolution Services, please find there court case attached. I will Give Ability Recovery Services Until, XX/XX/XXXX to remove there trade line name before I file, but once I file I will let court make there decision, with no settlement option.
The following CITICARD opened in XX/XX/XXXX and paid in full via debt collectors, several years ago, after the statute of limitation already allowed for this debt to be canceled, has all of the sudden been reported XX/XX/XXXXwhy now? 

Ive been working hard to improve my credit score and now this appears out of the blue to damage it. Doesnt it seem very suspicious? 

Thanks for your attention! 
This has been paid in full at least 5-10 years ago, unknowingly after the statute of limitations made it unnecessary, through a debt collector : CITICARDS CBNA Account Details Last Reported XX/XX/XXXX Creditor Name CITICARDS CBNA Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$4700.00} Term -- Monthly Payment {$5400.00} Responsibility Individual Account. 
Balance {$5400.00} Highest Balance {$6900.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$5100.00} Times 30/60/90 Days Late 1/1/3 Remarks Charged off account Account closed by credit grantor
On XXXX/XXXX/XXXX my XXXX received a call from the same number XXXX back to back when she finally answered they belittled her and threatened to arrest her for XXXX XXXX XXXX from XXXX that never got paid when I called them they did the same to me accusing me of trying to defraud the lender and was going to have a warrant out for me if I didnt pay this ridiculous amount
Merchants & Medical Credit Corporation ( " Merchants '' ) is attempting to collect {$310.00} for an invalid medical debt. Merchants is the debt collector for XXXX XXXX XXXX XXXX XXXX ( "  XXXX XXXX '' ) who provided emergency ambulance services to me on XX/XX/XXXX. My health insurance reimbursed XXXX XXXX {$690.00} pursuant to my medical insurance policy and the insurance 's reimbursement process. I was never notified by XXXX XXXX or anyone else that further money was needed until a negative collection report was reported on my credit report by Merchants. 

On XX/XX/XXXX, I sent a letter to Merchants by certified mail ( acknowledged and signed for by a Merchants representative ). Merchants has not responded. In my letter ( see attached ), I made several points : 1 ) The {$310.00} was invalid because Merchants was engaging in balance billing, a practice prohibited by California law ( XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ; 2 ) Merchants likely violated my due process rights by violating the Fair Debt Collections Practices Act Section 809 ( a ) s requirements for written notices ; and 3 )  Merchants changed billing statements from the incorrect city ( XXXX XXXX ) to the correct city ( XXXX ), presumably to create the appearance that they had provided adequate notice. 

To date, Merchants has not responded to my letter. Merchants removed the collection account from my credit report but started reporting the collection account again on XX/XX/XXXX. I filed a dispute with XXXX on XX/XX/XXXX and did not receive a satisfactory dispute response.
In XXXX, I opened an count with XXXX XXXX. The account was closed in XXXX with a past due amount. At some point the account transferred to collections with an open date of XXXX XXXX. The dates are not accurate and the collection agency has re-aged this account according to the original creditor 's date of first delinquency.
XXXX XXXX is reporting incorrectly, payments have been on time, the vehicle was turned in on time to the dealership.
Medical services were provided at an XXXX facility ( XXXX XXXX 's Medical Center ) during a period of relocation. The health facility mailed the bill to an older address. I sent payment as soon as I received the bill as a piece of forwarded mail. I also contacted the facility in the interim to confirm receipt of payment. Somewhere in the interim, the medical center must have issued a request to collect the {$25.00} copayment to a debt collector. Upon receipt of their letter I informed them that the copayment had been sent and received by the medical center. However, the debt collector ( Nationwide Recovery Services ) has refused to contact the medical facility to confirm receipt of payment and has asked that I provide proof to them. The easiest form of proof is for them simply contact the medical center. I informed them that I would file a complaint as they told me to expect continued collection attempts until I furnished proof of payment.
we had aa XXXX Mortage on our home with ( XXXX ) bank of XXXX. been calling for a month talking with several people getting the run around from Bank of America to relase the title that they are holding which is CRIMINAL- this happened in XXXX but in XXXX on the financial crisis XXXX had a class action lawsuit against them for giving out bad loans. Bank of America ref # XXXX left massages for XXXX XXXX that is title release supervior XXXX no call back. trying to do a direct sell my home. I need this taken care. please HELP!! Name XXXX XXXX phone XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you need any more information please call.
I paid off the total balance in XXXX XXXX and as today ( XXXX XXXX XXXX ) it appears in my credit report that I have an outstanding balance of {$18000.00}. The last date reported was XXXX XXXX XXXX and the last payment reported was on XXXX XXXX XXXX. This incorrect and dated outstanding balance is damaging my credit profile.
Company Keeps calling me and has also called other family members which is harassment.. Company calls at all random times of the day and excessively on weekends
I need to set my account up on a long term hardship plan and they are telling me that the offer is not available. I am trying to responsibly take care of my debt and have worked with several other credit card companies who allowed us to close the accounts and put them on a 4-5 year re-payment with a reduced payment and an apr of either 0 % or the prime rate. Capitol one was unwilling to help since I am not behind. Why is there a need for me to further damage my credit to get some assistance? I need some assistance to see if they are lying to me and avoiding offering the hardship program because this is the only company that has been unwilling to work with me. I spoke to a man named XXXX operator number XXXX. I felt like he was not providing all of the information that I needed and I asked if he could transfer us to another supervisor so we could confirm that this is all that could be done and he said he could n't transfer the phone that we had to call back. When we called back we spoke to a supervisor named XXXX operator number is XXXX she said she understood our concerns, but she kept referencing the notes that XXXX put in the computer on the account. My wife and I are trying to avoid bankruptcy and are underemployed we need to close our accounts and pay off our debt. Is there any way we can have assistance obtaining a long term hardship repayment plan.