WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX  2017,  I submitted an online VALIDATION dispute with  Chexsystem b eca use 3 b ank accounts were reporting that do not belong to me.  Two  of the accounts fell off because they did n't have proof of the accuracy of the reports, however one remained and is showing as " vertified ''. I sent a letter to  Chexsystem    XXXX  2017    asking them to furnish me with the undisputable proof bearing my signature that this debt is  VALIDATED  and to furnish me with how they verified the account. When I called  XXXX   2017  I was told they would mail me the proof however all I received was an updated report with the  XXXX  account still reporting. I have asked for proof twice now and they are unable to furnish it because of that and the fact the investigation is now 60 days late, the account need to be removed from my report.     My second is I have been disputing inquiries  XXXX   2017 . My initial dispute for VALIDATION was online and the results came back as " verified ''. When I called in    XXXX   XXXX     2017  to clear up that I asked for VALIDATION not verification and to inquire on what proof they had in accordance to FCRA reporting rules that the inquires were " verified '', I was told that I had to dispute them with each company. I reminded them that according to FCRA rules, it is the burden of the reporting agency to report accurate information and be able to prove such accuracy if asked and if they can not furnish such proof they are obligated by law to delete it and in return to my statement I was told again I needed to call the creditor. I then disputed the inquiries with the creditors and received the same " verified '' dispute status. I then initiated ANOTHER dispute  XXXX   XXXX ,  2017  in writing asking AGAIN for VALIDATION and Chexsystem returned with the same " verified '' notification but no one has proof as to me actually applying for these accounts.. It has now been  60plus days and 3 d isputes later and no one including the original creditor can show me proof I applied for these accounts nor credit issued for any of the questioned inquiries.  Chexsystem  is now in violation of FCRA rules and need to remove the inquiries or show me indisputable proof that approved these inquires or delete them. I HAVE ALSO RECEIVED CONFLICTING REPORTS FROM ALL  XXXX  BUREAUS, ONE MINUTE THE INQUIRIES WERE GONE AND THEN RETURNED. I have a paper report of them being gone but when I call they are there, then I received another report where they are there AGAIN. When I called, I was in contact with a agents who barely speak English and I was told it was a glitche in the system and they do n't know what is reporting correctly because of the glitche but the REFUSED to remove them nor can prove they were initiated by me. Please just remove all har d INQUIRES, it is  preventing me from obtaining a bank account when I have n't had any of these account nor initiated these inquiries and have sent a fraud alert along with a identity theft report.
XXXX refuses to remove negative information from my Credit. XXXX has been asked continuously in writing as well as verbally to verify the debt. XXXX can not provide me with the validation of the debt he is trying to collect. I have told XXXX repeatedly that I DO NOT want any business with his company nor have done any business with his company. I have asked for a wet signature contract with his company and he has not been able to provide one.
Hello, I purchased a car, ( XXXX XXXX ) in XX/XX/XXXX. The price was {$17000.00} and I put down {$1500.00}. At the time I has just started a job after being laid off for a year and need a car badly. I have my payments automatically deducted out of my bank account, so they are always on time and I have not missed a payment. The payments are $ XXXX monthly. I have paid a total of {$16000.00} to date. I went online to see my payoff amount last year ( XX/XX/XXXX ) and it was approximately {$8000.00}. I asked if I could refinance the balance in hope of getting a lower interest rate and was told that they do not refinance. Ok, I continued to make my payments, diligently making sure the available funds were in my account. Hoping to pay off the loan early. I checked online again in XX/XX/XXXX and it was XXXX. Which I though was in error. I called and was told it was the interest. I called again yesterday and was told the new balance is {$11000.00}. After some back and forth with the rep that answered the phone, I asked to speak to a supervisor. Once the supervisor got on the phone, she said it was the interest rate. I asked how can I have a 5yr term loan if the balance is going in the opposite direction from where it should go. She again said it was the interest. I then said how can I have a maturity date with a policy like such. I told her I have had multiple car loans and I have never had the balance increase rather than decrease unless there was a missed payment. She said she car refer me to the President of the company and someone from his team will call me. I have not heard from them to date. I think however they are compounding their interest it is causing consumers to pay an extremely high cost even when they are making payments on time. I also asked if there was an office I could go and talk to someone and she said there was not office. I can not believe this is legal. The company is XXXX XXXX XXXX. I opened the account in XXXX, PA
I received a Delinquency notice letter form ocwen loan servicing dated XX/XX/XXXX regarding loan number XXXX.States that i 'm late on my mortgage payment as of XXXX/XXXX/XXXX I 'm XXXX payment delinquent on my mortgage loan my account first became delinquent on XX/XX/XXXX.failure to bring my loan current may result in fees and foreclosure -the loss of my house.the total : {$130000.00}. 
my attorney williams sent a letter to ocwen loan servicing dated XX/XX/XXXX regarding the alleged debt owed to provide verification of the debt and the name and address of the original creditor within thirty ( 30 ) days of the date of this letter .ocwen loan servicing never respond to the letter .until XX/XX/XXXX my former attorney XXXX XXXX reached out the bank 's attorney .And ocwen loan servicing said that they are willing to accept {$110000.00} for the home now .And she asked what bout XXXX and she was advised that the bank 's attorney only represents ocwen and they can not speak to behalf oh XXXX. I may contact a private lender to see if they will loan me to money, on XX/XX/XXXX I receive a Non Approval notice letter from ocwen loan servicing states that they are unable to offer a home Modification because : As of date of this letter my loan has confirmed foreclosure sale date within 7 business days.On XX/XX/XXXX I receive a confirmation of cancelled effective XX/XX/XXXX any unearned premium that may have been paid from escrow account has been refunded Please be advise that this Loan number XXXX is totally fraud and was created by ocwen loan servicing for own purposes of used .Because i never made any payments to ocwen loan servicing regarding this loan # XXXX .Ocwen loan servicing has a voice recorded stated that i paid {$5900.00} was received on XX/XX/XXXX and my next payment of $ XXXXis Due on XX/XX/XXXX .This is totally untrue .Also on XX/XX/XXXX I receive an email from my former attorney XXXX XXXX stated that lawsuit been filed by INVESTORS
I have my international westernunion account with whom I do my business all over the world. 
The account was valid because I created it in XXXX with all the vouchers and I used it. 
But for 6 months the account has been on hold since I arrived in XXXX where I had vehicles and other goods in the port. 
They asked me for XXXX and I sent them but they answered me a first time to be patient and I have it. 
Still having no news of them I left for XXXX or I have big stock of XXXX. 
Arrived in the XXXX XXXX they ask me for documents with a certificate of residence and I have also provided them. 
They send me an e-mail that I had to go and make on-site transfers to their branch in the country. 
But in the clauses it was not agreed and in addition why did they ask me for proofs in these XXXX countries knowing that in the end they will tell me to go to their local agency of these countries? 
At the moment I am out of liquidity and they tell me again to call them or I used to call them and we had a long discussion and they reassured me that the account will be active in the shortest possible time. 
But up to this day still nothing and my goods are still stored in the countries ports where I incur taxes.
MORTGAGE MODIFICATION : On XX/XX/2016, I submitted an application for a mortgage loan modification with my new mortgage company, Calilber Home Loans, who had recently purchased our mortgage from XXXX XXXX. XXXX sent a letter to our bankruptcy attorney ( Chapt. XXXX ) indicating we should apply for a modification. For 2 months and 3 weeks, I have submitted and resubmitted document after document, specifically, Transaction Summaries, among other things, regarding my husband 's Social Security XXXX credit and debits on the SSA issued XXXX XXXX Debit Card. I have been submitting, at Caliber 's request, updated Transaction Summaries numerous times and have explained, to Caliber 's satisfaction, I thought, that I did not have access to a " bank statement ''. I can only print Transaction Summaries from the account on the XXXX website. My application for modification becomes null and void on XX/XX/2016. It appears that Caliber 's convoluted, unorganized and cavalier approach to applications for loan modification are designed to frustrate the applicant at every opportunity and to stall the process until the application is null and void. Applicants can not speak directly to loan modification officers, only a " single point of contact '' individual who is the " middle man '' and who can do little to nothing to actually assist the process. They can only pass along what they read on the computer or are told, while the applicant is put on hold, what " they '' said. My bankruptcy attorney told me this process would be " difficult '' because mortgage companies really did not want to modify loans. I had no idea just how difficult and frustrating this process would be! 
Last week I was told by Caliber that I needed to resubmit the XX/XX/XXXX and XX/XX/2016 " bank statements '' for the XXXX debit card, which I did. I explained, once again that I could not access a " bank statement '' only a Transaction Summary. I was told that the submission would be forwarded to a supervisor for review and to call back in several days. I called today and was told that the Transaction Summaries were not acceptable and that I had to submit a bank statement. My submission is once again going to be submitted to a supervisor, because I apparently convinced him that every transaction on the debit card was recorded by date and amount on the Transaction Summary. 
I inquired as to why, after almost 3 months of submitting Transaction Summaries, I was being told, a week away from the deadline, that Transaction Summaries would not be accepted. Even if I could get a " bank statement '' I do not have time to obtain them before the XX/XX/XXXX deadline. It appears that Caliber deliberately waited until the last minute to tell me Transaction Summaries were categorically not acceptable in an attempt to have the time run out on my application which expires on XX/XX/2016 - eight days from now. Caliber had ample opportunity to advise me that they would not accept the Transaction Summaries in order to give me an opportunity to try to get them, if possible, and submit them in a timely manner.
On XXXX XXXX, 2015, my wife and I met with a Bank of America mortgage loan officer to apply for a refinance our house. We were told that would not be a problem. The following day I brought all documents requested. After placing several phone call to find out the status I called the branch 's general manager, she called the loan officer 's manager and the following day the mortgage loan officer called me XXXX XXXX XXXX ) to tell me that I was XXXX or XXXX payments late in the last 24 months. When we met with him to formalized the application that should not be a problem to obtain the refinance, he asked us if we have been late in our mortgage one month in the last 12 months, the answer was no, then a day latter he requested banks statements for the last 24 months and the he said that in our credit report shows that we were late XXXX or XXXX payments late that would be very difficult to obtain the refinance but that he has someone else who can help us. Also the mortgage officer mentioned that he met with the underwriter and now via e-mail his manager is saying that the my application has not been submitted and if I want them to do so, i need to come up with {$450.00} for the appraisal of the house. I have request in multiple occasions to be provided with a letter stating the reason ( s ) of the denied, all my documents back and a copy of the application and also a copy of our credit report and to this day I have nothing. Thanks
We requested a free copy of our credit report and noticed that a tax lien from 2007 was not relecting paid and released. We were able to get certified document from the State of Ohio stating that the debt was released and were instructed to send this document with a request to have the change reflected. Experian is refusing to accept the official documents and is stating that they made a correction when in fact the " updated '' copy of our credit report still states the same thing - State Tax Lien Filed and there has been no update.
XXXX XXXX XXXX is reporting account incorrectly. The account info ... mortgage number and balance is inaccurate, and the status is showing 120 plus  days late. Someone else 's account. My mortgage was always current and is now paid in full
XXXX   XXXX   XXXX   XXXX   XXXX , contacted my father on   XX/XX/XXXX  t o attemp collection on a debt i no longer owe in the amount of {$38000.00}. They discussed this information on the phone with my father about the debt which was illegal in the first place.  <P/> I had previously sent this company a letter by mail and email 3 years ago for them to cease any and all contact or communication being i do not owe this debt.  <P/> This debt was originally accrued in   XX/XX/XXXX .  It was completely pass the statutes of limitations.
The third party collection agency is reporting inaccurate information to each of the credit bureaus ( XXXX, XXXX & XXXX ). This company has re-aged an account listed to reflect a recent collection of XX/XX/XXXX and continues to report this falsified information even after one of their representatives has verified the original date of delinquency of XX/XX/XXXX which confirms that the correct information is on file but because the statue of limitations to sue would be expired the company is intentionally re-aging the account. I have disputed this account several times but it keeps being reported. It was originally disputed XX/XX/XXXX.
On  XXXX / XXXX / 2017 , I wrote to  United Revenue corp disputing an account they were reporting on my credit report. I requested that they send me validation of said account, showing proof that this account is indeed mine. United Revenue Corp. re plied to my dispute request on  XXXX / XXXX / 17 , however, they replied to my request with a list of charges they have typed out on their letterhead. I DO NOT KNOW WHO  UNITED REVENUE CORP IS, I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. I am unaware of ANY medical bill, therefore, I wrote back to United Revenue Corp o n  XXXX / XXXX / 17  and advised them that I would like proper documentation. First and foremost, my name is  XXXX   XXXX   XXXX   XXXX , my father, m y  XXXX  cou sins, and both of my sons all bear the same name, as well as countless others in the state of Louisiana. So whose debt is this? I will say again, I am unaware of such debt. Secondly, this printout was NOT a billing statement from the creditor that shows a detailed breakdown of the services that were rendered. They also did n't send me a contractual agreement bearing my signature . United Revenue Corp merely typed a letter on their company 's letterhead, type in some charges and SAID it 's mine. It 's too much fraud in this world for them to think that this is an acceptable form of proof. THIS PROVES NOTHING. At this point, I believe United Revenue Corp, is intentional trying to deceive me. They are trying to get me to pay an unverified debt they have no proof that it is mine. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe. So, I am requesting proof that I am indeed the party they are asking to pay this debt, the date of the alleged medical service, and proof that there is some contractual obligation which is binding on me to pay this debt. Since I could n't get the proper documentation from them via certified mail and they have violated the FDCPA by reporting a unvalidated debt to the credit reporting agencies, I am requesting again that this account is deleted from my credit reports or ple ase provide me with the proper documentation, so this debt can be resolved. Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition of purchase or assignment, and authorization under subtitle D of t he ARRA, SEC. 13401. Also,  provide copies of any agreement that bears my signature wherein I hav e agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. In the event of noncompliance, I reserve the right to file charges in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act & FDCPA. I have also attached the certified receipts, my written disputes, as well as United Revenue Corp written results. You can clearly see they did n't send me proper documentation, which is negligence and deceptive practice on behalf of United Revenue Corp.
Hello, I filed a complaint with the BBB about BMW Financial on XX/XX/XXXX, the why I filed a complaint because BMW was reporting a  late fee to the credit bureau and not the initial car payment then they retro-acted my credit report and reported XX/XX/XXXX and XX/XX/XXXX 30 days late when it was once reported paid as agreed. Of course the complaint when in to favor of BMW. But, I filed another complaint with BMW on XX/XX/XXXX, because the sent me a letter stating that I own late fees so I called BMW and their representative contacted the credit department and the credit dept stated all of the extra money goes toward the car-note, and not the late fees. I told that representative that I have never heard of such because you ca n't separate the late fees from the car-note because its one payment. Then the representative tole me if you do n't pay it, it will go towards your car-note, and for the month of XX/XX/XXXX your car note will increase by XXXX dollars, but if it remains as a late fee we want report it to the credit bureau. The document of the outstanding late was a cover-up because they reported the late-fees to the credit bureau therefore they had to put something in black and white. So I contacted XXXX from the BBB locate in Ohio who investigated the first case he also agree, and I sent him documentations also and he ca n't find any late fees ... .BMW did this because of retaliation, and now they are harassing met, and reporting false information to all three credit bureaus.
On several occasions I submitted numerous of letters to XXXX, XXXX, and transunion, stating that there are accounts on my credit report that doesnt belong to me and to verify that these accounts belong to me by sending original documents with my original signature but neither could verify that these accounts belong to me or send me documentation that these accounts were mine.
On XX/XX/2018, I began the process of applying for a Citibank regular checking account and a Citi savings account. I applied as part of a promotion, which required me to maintain {$15000.00} in one or both accounts for 60 days in order to receive a bonus of {$400.00}. The bonus was supposed to post within 90 days of meeting that requirement. 

I deposited {$15000.00} on XX/XX/XXXX and left the money in place for over 60 days. ( 60 days was reached on XX/XX/XXXX and I transferred {$5000.00} out of Citibank on XX/XX/XXXX. ) On XX/XX/2018, 90 days had elapsed since meeting the 60-day requirement, and the {$400.00} bonus had still not been posted. I contacted Citibank customer service, who said they were initiating an inquiry. 

I have read a number of reports online from other individuals who had similar experiences and did not receive their promised bonus until they filed a CFPB complaint. Hence I am filing this complaint rather than waiting any longer on Citibank 's investigation. 

I am uploading several documents. One is the transcript of a chat I had online with a Citibank agent, confirming that the promotional offer is attached to my account. Another document is a PDF containing the terms of the promotion. Finally, I am uploading screenshots of my bank account, showing that I have fulfilled the terms of the promotion.
I have contacted beneficial about releasing a lien that should have been removed since 2003, I have called and faxed requests and unable to get someone to help me. The representative is stating they will send a release to the local court house, I had a local title company search and still show a lien, whywhy have the taken so long to release it, it is still showing a lien by beneficial hsbchsbc
I cancelled my Bank of America card and paid off my balance, but they still charged me a monthly fee for their Privacy Assist service after I had closed the account. I did not realize they had done this, and so I ended up with a past due balance on an account I thought I had closed successfully. They then reported this as a delinquency on my credit report ( for a balance of {$12.00} ), which then resulted in my credit score decreasing significantly ( again, all over a balance of {$12.00} ). This came to may attention because I had applied to refinance my mortgage, and was n't able to do so because of this {$12.00} delinquency ( which had in the meantime snowballed to a total of {$20.00} with fees ). I contacted BofA and was unsuccessful in convincing them to reverse these charges, but they said as long as I paid off the full {$20.00} balance they would reverse the delinquency. I did so over the phone. A few days later, they still charged me another {$1.00} interest charge ( again on an account which I thought I closed, and thought I finally paid off in full via the phone payment ). So the account still has a balance and I have to make yet another payment, on an account which I have been trying to close, because of a service which BofA sold me and I did not even use once but had been paying for for years ( shame on me for not cancelling the account sooner ). And they still have not reversed the delinquency on my credit report because I owed this {$1.00}, so I am still unable to proceed with my mortgage refinancing until I pay them the {$1.00} and the correction to my credit report is finally made. All over a {$12.00} charge on a closed Bank of America account, from another Bank of America service! I would have expected that the Privacy Assist " service '' should not have been able to successfully process a charge on a closed account! And I believe that had the service not been a BofA service, BofA would not have allowed a charge to go through on a closed account. It is only because this is one of their services, that they allowed this situation to happen in the first place - and that 's not right.