WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX   and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) CMRE, account number XXXX ; 2. ) CMRE, account number XXXX 3. ) CMRE,  account number XXXX Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
I had a car loan with the company XXXX XXXX XXXX. The vehicle I had I traded it in a a dealership for a new vehicle XXXX  2014.  XXXX XXXX XXXX Marked me late on my payment for A payment when I no longer owned the vehicle. I spoke with a supervisor at XXXX XXXX XXXX and he stated I got a late payment on my credit because of the dealership I traded the vehicle into.
Portfolio Recovery uses different phone numbers to call me. They have used more than 40 different numbers with different area codes to harass me and call all the time. I don't have any collections.
On approximately XXXX XXXX, 2015 I mailed in a payment of {$120.00} to Afni Inc for collection account XXXX. In my envelope I included with my payment, a letter stating the following : '' Dear Afni : I 've included a payment of {$120.00} for the above mentioned account. By accepting and cashing said payment, you agree to delete your listing/tradeline regarding the above mentioned account from my credit report and you will notify the credit bureaus accordingly. 

If you do not agree to delete your listing/tradeline regarding the above mentioned account from my credit report, please send this check back to me at the address found above. 
Regards, XXXX XXXX '' In addition to the information above, I wrote on said check on the memo line : " By cashing this check you agree to the deletion of acct # XXXX " On XXXX XXXX, 2015, Afni Inc deposited my check into their bank account thereby agreeing to the terms of the letter as well as the terms written on the check submitted. 

On XXXX XXXX, 2015 I called into Afni after seeing in my bank account that my check had been cashed, to confirm deletion of the account on my credit reports. The customer service agent was not able to help me at the time and no supervisor was available to discuss the matter with me directly so, I left a VM for return call. I had received no call back so I called again on XXXX XXXX, 2015. Again the agent on the line could n't help me and no supervisor available to discuss so, I leave another VM for return call. On XXXX XXXX, 2015, I place another call into Afni Inc since no return call and I find that they have released a payment back to me and my account is now showing not paid. This is certainly not the case since I have a copy of my cashed check from my banking institution showing the withdraw of funds from my bank account from Afni Inc .
In XX/XX/XXXX our mortgage lien was discharged in bankruptcy. Our original lien holder was XXXX XXXX XXXX XXXX XX/XX/XXXX. It was transferred to XXXX XXXX XXXX just before filing and discharge in XX/XX/XXXX XXXX. 
Despite the lien being discharged, possession remained in our names. We initially wanted to try and keep the property. As such, we tried to refinance through XXXX XXXX XXXX by submitting ALL required paperwork over 8 times during the next 2 years. 
In XX/XX/XXXX we experienced a house fire, and our insurance company declared the home a complete loss and paid {$130000.00} to rebuild. We signed the check over to XXXX XXXX XXXX, who then instructed us on processing the claim and beginning the rebuild. 
We complied with everything they requested and despite many attempts and well documented communication with them, they would never issue any funds to begin the process. Due to the time it has taken to resolve the matter, we now want the property out of our names so that we can move on with our lives and buy a new house. 
In XX/XX/XXXX XXXX XXXX XXXX sold the mortgage to Carrington Mortgage Services. The insurance funds were wired to Carrington as well. I contacted Carrington and was instructed to submit a request to their Research Dept. so they could look into the matter. The only option to do this was by regular mail, according to Carrington. 
To help us through this process, we obtained legal counsel and authorized the law firm to represent us in resolving the issue. An authorization was sent to them by the Attorney as well as a request to either allow us to transfer the property to them by way of a Deed-in-Lieu of foreclosure, or to have the lien deemed satisfied and released by applying the insurance funds to the account. The initial contact with Carrington was made XX/XX/XXXX. On XX/XX/XXXX -XX/XX/XXXX, all documentation they requested was submitted to them by the attorney. Each time he contacts them, they initially deny he has authorization to represent me. After 3 attempts each time, they then have told him to call back next week to check the status of the deed-in-lieu application. They have had possession of the account since XX/XX/XXXX, as well as the insurance funds. Neither Carrington nor XXXX XXXX XXXX has handled our account appropriately, and Carrington is continuing to further delay resolution by not cooperating. We were not able to purchase a home this year due to the title of this property still being in our names. It has been 6 years since our bankruptcy.
I had a student loan account with XXXX from XXXX XXXX XXXX TILL XXXX OF XXXX. ON MY EXPERIAN CREDIT REPORT IT NOT REPORTING CORRECTLY. I HAVE DISPUTED THIS WITH EXPERIAN AND RECENTLY THE ACCOUNT WAS DELETE OFF OF MY CREDIT REPORT. THIS ACCOUNT IS NOT DUE TO COME OFF TILL XXXX OF XXXX, IT A POSITIVE ACCOUNT ON MY CREDIT REPORT. WHEN I DISPUTED THSI I WANT THE ACCOUNT TO BE UPDATED NOT DELETE. I CONTACT THE CREDITOR GRANITE STATEMENT MANAGEMENT AND THEY SENT ME A PAYMENT HISTORY OUT THAT SHOWS MY HISTORY ON THE ACCOUNT FROM XXXX XXXX XXXX TILL XXXX OF XXXX. ON MY EXPERIAN CREDIT REPORT IT SHOWS FIRST REPORTED THE CORRECT DATE AS XXXX XXXX XXXX. BUT ON MY EXPERIAN CREDIT REPORTS MUCH LATER IT SHOWS A DATE THAT IT WAS FIRST REPORTED AS BEING IN ACCURATE. SO I DISPUTED THAT AND WITHIN A COUPLE OF DAYS IT WAS DELETE OFF OF MY CREDIT FILE. XXXX SENT UPDATES TO ALL XXXX CREDIT BUREAU TO GET IT UPDATED AND I WANT THIS ACCOUNT PUT BACK ON MY CREDIT FILE SINCE IT REPORTING POSITIVE ON MY CREDIT REPORT. I HAVE ENCLOSED MY CREDIT REPORTS TO SHOW PROOF AND A STATEMNET HISTORY FROM XXXX
On XX/XX/XXXX, I received an email from Sallie Mae stating that my billing statement was available online. I clicked the link in the email to view my billing statement. The page that opened said " Bad Request. '' I tried again on XX/XX/XXXX and XX/XX/XXXX, with the same result. I can not access billing statements by logging into my account at www.salliemae.com. The only way to access billing statements and other correspondence with Sallie Mae is through the link in the email. With other lenders or servicers, I can access billing statements and other correspondence by logging into my account at their website, but the same is not true with Sallie Mae. It 's very frustrating.
My checking account was charged multiple overdraft fees even though I never spent more than the available balance in my account. 

I never authorized Wells Fargo to overdraft my account. If the money was not available, my card should have been declined. 

Wells Fargo misrepresented the available balance in my account which caused me to spend money that should not have been there. They overstated my account balance which was a mistake or an intentional misrepresentation. 

When I attempted to spend the money that was showing up as available my card was never declined which leads me to believe that I was tricked into overdrafting my account so that the bank could collect overdraft fees. 

I have XXXX and do n't track my spending very well. I do n't write checks anymore so that I wo n't bounce them. I set my card up so that it would be declined if I do n't have money. these XXXX things keep me from overdrafting my account. I know that Wells Fargo is aware of my proclivity to overspend based on my credit history, and they took advantage of that. 

One Night my available balance was {$20.00} and the next day I got an email that my account was charged an overdraft fee. I had n't spent any money since the last time I checked my account balance, so I knew it should have been {$20.00} balance, but my balancev was negative {$210.00}. It 's got even worse after fees were added. When my direct deposit posted it brought my balance up to negative {$61.00}. I have {$1.00} in cash right now. I have no idea how I will have food or transportation to work for the next week and a half.
They first contacted me with a letter dated XXXX stating that I owed money from a XXXX ( which never sent me a bill because they went out of business and instead just handed its debt to you Accelerated Receivables Management Inc. ). I contacted and worked with someone with the last name XXXX of sending my EOB ( via fax ) and having them review it. I was told on XXXX that my account was closed and I owed you all nothing. 
But some how I got a harassing call on XXXX ( even though they now deny they would talk to me like that ) from some man telling me that I still owed you and that it was n't finished due to my fault. After I explained that I had done all this already, I was told that I never finished it ( stating that the EOB said that it need medical records and I never followed up ) even though the XXXX person told me otherwise ( which the manager said that that person must not have known what they were doing ). I could not continue to deal with this man that was incredibly rude so I asked for a manager and was directed to XXXX XXXX. So I sent the same exact EOB that was sent in XXXX to XXXX XXXX on XXXX the same day. I called back talking to XXXX XXXX on XXXX to see if my EOB had been reviewed. I was informed that it had and that my balance was XXXX and my account would be closed. Feeling deja vu I asked for an email to be sent to me and a letter mailed to me stating that this was all taken care and that you would no longer bother me, she collected my information and told me she could do that. I waited an hour for the email, which never showed, when I called back and talked to XXXX XXXX who rudely told me that you do n't send emails. I requested to speak to a manager ( again XXXX XXXX ) who then told me that they do n't send confirmations that accounts are closed because you do n't have a letterhead for it and that my EOB was my proof I did n't owe anything ( again it was the same exact EOB that was sent in XXXX that I sent again in XXXX, but was n't good enough the first time ). All I have asked them for is some written confirmation that my account is closed with them but they just refuse to give me anything. I have emailed higher ups but no one will respond to me.
Because of fraud charges, I had to be issued a new credit card. After I had it activated, I went to Paypal in order to update my information, and discovered that my new credit card number had already been updated! 

I immediately called Paypal, thinking that a hacker got into my credit card account and also my Paypal account. But no, Paypal tells me that this happened because of an agreement they have with my bank, XXXX XXXX, so that when I get a new card, they automatically send the new number to Paypal. 

I am furious. Paypal never informed me about this agreement. 

After going around and around with my bank, I find out that this agreement Paypal is referring to is called the Automatic Billing Updater. It is a service provided by Mastercard to merchants who pay them money so that if any of their customers change credit cards, the merchant is sent the new card info. 

Paypal does not mention that they participate in the Automatic Billing Updater anywhere in their privacy policy. 

I should be the only one who can give out my credit card number! The fact that Paypal believes they should be able to get it without my consent is abominable! 

I contacted Paypal asking to be opted out on their end, as my bank will not let me. This time I was told by a " supervisor '' that Paypal is not aware of using an Automatic Billing Updater, and I should contact my bank. 

This is unbelievable! No one wants to take responsibility for using this service. How can it be that merchants can participate in a service that gives them my credit card number without my consent? How can they lie about this service and hide it? How can the representatives know one minute what I am talking about, and state they never heard of such a thing the next? How can they get away with not stating that they do this in their privacy policy? And how can they get away with not giving their customers an option to opt out? 

I am XXXX, and reading on the computer is extremely hard for me. After searching all over Paypal 's website for days, my son finally ( four days after the incident ) found mention of this service in their user agreement. It is an obscure line which reads " If this information changes, we may update it as directed by your bank or card issuer without any action on your part. '' If they think this is enough of a heads up for their customers, they are mistaken. We also found on the Paypal community forums where many people have been surprised by Paypal updating their card info, sometimes even before they themselves received their new card. 

This needs to change. How in the world did it become okay for anyone but me to give out my credit card info? The fact that Paypal is allowed access to my credit card information with out my consent and then takes no responsibility for it, makes Paypal extremely unsafe, and unsecure.
The company calls my parents about my debt and they are not involved at all in this situation. I do not live with my parents and they should not be calling my parents at all about this.
i was encouraged to attend XXXX XXXX in XXXX and i was discouraged at first when i was told i need money. Since i had no credit history XXXX ( school recruit ) said it would not be a problem for ME to receive aid just as long as an established financially responsible adult would co-sign. 
That's not at all what happened. At any rate i graduated but the school at that point showed its true colors. The XXXX XXXX XXXX where i completed my XXXX ( no pay ) did offer me employment, but at $ XXXX/hr. When i reached out to the school first or foremost requesting my Degree, they failed to do up to present day. I never received my degree. The school will not acknowledge nor did it ever follow up. Secondly the recruit lied and took out a mortgage on my mom from XXXX XXXX, which today Nelnet records show that they gave her the loan as a parent plus, but on their website it clearly states otherwise. And also i was trying to attend the XXXX XXXX XXXX XXXX, and the finance dept their told me that my mom took out a personal loan. That XXXX had said and disguised it as the parent plus. 
Honestly from the minute i completed my 180 hours XXXX. i was confused and uninformed as to why i was making to seperate payments. i never denied wanting to repay. i just always demanded that i have one payment and that it needed to be under me. i know that they did wrong. i filed a case more recently where i was actually given a number for reference. # XXXX the Nelnet acct # im beyond frustrated and concern with is XXXX. 
if you look and review it i would appreciate it. 
Sincerely,. 
XXXX XXXX
All four major credit bureaus XXXX, XXXX, XXXX  and innovis have illegally hoarded my person information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 4 credit bureaus violated all privacy rights and allowed my personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all four credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others.
a high % loan shark in XXXX XXXX carries the paper on my truck loan 23 payments into the loan he sells my loan to a company on the other side of the country I disputed the transaction requesting some pertinent information concerning the loan after several months they send me a portion of the info I requested at that time I sent them a letter of stipulations and started making payments based on them accepting the stipulations 4 payments later they repo my truck. I 'm out of pocket over {$20000.00} and nothing to so for it I would like to sue them do I have probable cause XXXX XXXX
I wanted to purchase a XXXX indoor training bike for my wife before XXXX last year and was encouraged to use the " instant credit '' application on the XXXX web site. I did so and it has been a nightmare ever since. 

It was not instant credit - took several days - and I never received the card I was promised. I did not get the purchase made for XXXX due to all the problems. 

I visited a XXXX store in XXXX a few weeks ago and purchase the bike using the XXXX account through XXXX XXXX. 

A couple of days later, I received an alert from a credit bureau indicating that my credit score had dropped by 100 points!! When I inquired, I was told it was because my XXXX account had been, " closed by credit grantor '' and this was considered a negative for my credit. 

I inquired and was told that XXXX was no longer doing business with XXXX, causing XXXX to indicate " account closed by Grantor '' for all open accounts with XXXX, regardless of whether they were past due or current.
I requested a refund from Citibank in XXXX 2015 secondary to duplicate payments made on my Sears MasterCard. I forwarded a written request for and proof of payment of these funds to Citibank on multiple occasions. I have contacted Citibank on numerous occasions since my initial correspondence, but to date I have not been refunded for this overpayment.
I opened a Best Buy card via Citi years ago that I used, paid off, and never used again. Somehow, there have been three accounts opened over the years and the most recent was used to charge merchandise I did not buy. I reported the purchases fraudulent and requested any accounts associated with me to be closed. After more than a month, they still show at least one account open with {$3000.00} available. Today I asked again to close all accounts and they said that since an account was closed in XXXX that I have to reopen it to close it. They were referencing the account that had been closed for fraud and not the open account, which I had never asked to be reopened in the first place. At this point, I need to report them as they are either pretending stupidity to keep my account open, or are so incompetent that they can not fulfill my request.
I received a letter from XXXX XXXX XXXX XXXX ( collection agency ) on XX/XX/XXXX stating that I owed XXXX XXXX, XXXX {$300.00} for an account ending in XXXX. I have never worked with TD Bank, nor have I ever opened an account with them. The info that I was able to get from XXXX XXXX XXXX  is that the account ends in XXXX, and it was opened on XX/XX/XXXX and closed on XX/XX/XXXX. TD Bank is not FDIC insured. I have requested a dispute through XXXX XXXX. I have run a credit report and TD Bank shows up as under " soft inquiries '' on XX/XX/XXXX. I called TD Bank on XX/XX/XXXX they would only help me if I gave them my SSN. I was not willing to do that since I have never done business with them. I wasn't sure about their credentials. 

TD Bank : XXXX
Equifax failed to protect personal information including, but not limited to : address, SSN, date of birth, drivers license information, and credit card information.
I have been trying for over 5 weeks to work with XXXX XXXX to transfer my health savings account balance from XXXX XXXX XXXX to XXXX XXXX XXXX accounts. I have called them multiple times and have been given incorrect information how to transfer my funds. 2 reps told me I could do it by calling and they inform me it will take affect within 24 to 48 hours. However when check my balances it is still not done. I call back and they tell me the transfer did not go through due to errors on their end. Other reps tell me I have to complete and mail back forms which I have also done. Then when I call I am told they have no record of me sending forms. I need your help in resolving this issue and I have run out of options dealing with XXXX XXXX for a simple funds transfer request.

I do not have access to my funds which I need for medical treatment for over 5 weeks!
I used Cardinal Financial as my lender on a new home purchase. During the application process, I was to obtain a survey, which costs would be paid out of pocket. The first payment was {$500.00}, which I made via credit card to XXXX XXXX. Because it was new construction, the bank wanted another survey which cost an additional {$150.00} which I also paid out of pocket via a credit card on XXXX/XXXX/2016. During closing I noticed that my closing docs had a charge of $ XXXX for the survey that they indicated they paid to the vendor. They indicated to contact my closing agent XXXX XXXX for a refund. I called XXXX that afternoon and she indicated that she would get that processed right away. In fact I received an e-mail on XXXX XXXX that she requested the refund. To date I have not heard back from the lender on this. After several attempts, the lender is no longer responding.
I have had an account with Capital One for a long time I was late on my payments a lot but have for a while now been doing better and paying on time every month because I am about to purchase a house. I sent an email to the CEO to request that they forgive me of two late payments for XX/XX/XXXX and XX/XX/2018 and I express that this was the only thing holding me back from home ownership. I had some financial difficulties at the beginning of the year it was really hard as I am a single mother. But I have bounced back and I am doing really well and paying my bills on time. I have seen Capital one give forgiveness with other members and they denied me saying they don't forgive late payments which would be untrue. I also have a credit card with Capital One that has been in good standing from the start and I have never been late. I would like to know why I wouldn't be eligible for this process and others are?