WillisBack/dataset-financial-user-claim huggingface dataset:
I filed bankruptcy in XX/XX/2018 and TD Bank ( Raymour and Flannigan line ) charged off my account and is showing I still owe a balance on the credit report, but still filed their proof of claim. When disputed with the company I was transferred several times and finally ended up with a gentleman who informed me that I was out of luck to fix it.
This credit dispute is in regards of account number XXXX for a XXXX XXXX XXXX. This account was assigned to XXXX and XXXX XXXX. We created autopay so we would avoid any late payments. When autopay was set up they did not inform us about the last payment not being accepted by autopay. In which the last payment on XX/XX/2018 was missed. If this would have been stated, we would have made that payment to avoid any negative reports sent to the credit bureaus. During our account we have not missed any payments, so our history demonstrates that we had a good credit standing until the last payment.
Regarding Complaint Number XXXX. Involving XXXX  ( XXXX   ), Fay Servicing LLC and XXXX. This case was closed but without receiving all documents requested. My initial request was for a complete history of my account with a start date of the year XX/XX/XXXX which is the start date of the loan with XXXX and an end date of XX/XX/XXXX. I received about half of that information. The dates that were sent to me had a start date of XX/XX/XXXX to present. Where is the history of my account from the year XX/XX/XXXX through XX/XX/XXXX? This is very important to a court case I an involved in regarding a mortgage foreclosure. This is information I have requested directly from the parties involved as well as through the CFPB. While the CFPB were helpful in obtaining years XX/XX/XXXX to present, the additional documents for XX/XX/XXXX to XX/XX/XXXX remain to be unavailable. To completely close this case all remaining documents must be submitted.
When first encountered by XXXX they said I was a cosigner. Now they have put this account on my credit report stating i am the owner of said product and I owe them over XXXX dollars. tried today XX/XX/18 to speak to someone at XXXX and was placed on hold for over an hour. Placed a call to Perfection Collection only a voicemail. All i wanted to know was the date I purchased this item and what location it was mailed to.
An ATM claim was filed with my bank, TD Bank, for a charge in the amount of XXXX which occurred on or around XXXX XXXX from XXXX. I received an information packet from TD Bank today, XXXX XXXX, with information denying my claim, there is documents from XXXX showing information on the charge but did not prove the product/item was delivered. The product/item in question is XXXX tickets to XXXX on XXXX XXXX, I live in XXXX and have not been to XXXX XXXX on or around this date. In fact, my last visit to XXXX was XX/XX/2015. I explained to TD Bank rep taking claim that the product/item was not received and did not make the purchase, it appears someone used my card number to purchase tickets while person was in XXXX, the purchase was made over internet. I suspect their website might have been hacked and or person had my card number written down. The card was not lost or stolen and explained that this is the only unrecognized charge Ive seen so far, did not feel need to order a new card. It appears tickets were not used upon learning ID had to be shown to get into event, Ive checked into this and learned that they were not in fact used. This information was provided by rep ( s ) at XXXX as well as XXXX XXXX, the party owned by XXXX. Ive attempted to resolve matter directly, however, XXXX has a strict no refund policy and will not issue refunds, even if fraud occurred. They will even deny a charge is fraud so as to avoid having to issue refunds. Their rep ( s ) have referred me back to TD Bank. They have a complaint with the XXXX as well as XXXX, both unresolved. I called TD Bank today to further dispute charge, however, I was advised it is considered closed as merchant provided proof tickets were received, this proof is merely a confirmation showing tickets were sent to my email. However, no such email was received as I have a block preventing any email from unrecognized senders. Also, as mentioned previously, I was not in XXXX on or around time of purchase and no way I would purchase tickets to an event I could not go to. In closing, please advise TD Bank I need this item further disputed. Ive attached an email from XXXX with XXXX denying refund.
XXXX continues to report fraudulent accounts on my credit report that don't belong to me because I am a victim of identity theft. They refuse to accept my disputes. This is against the FCRA. These accounts need to be removed. I have provided a police report.
Second trust deed against my primary residence that was foreclosed in 2014. They continue to call and send letters and improperly reports to the credit bureaus
I was offered a permanent Home Affordable loan modification by XXXX XXXX XXXX, the lender on my XXXX mortgage. I signed the modification agreement and I made a payment of {$250.00} demanded as a subordination fee by Chase, the servicer on my XXXX mortgage. Chase is now refusing to subordinate. This will cause me not only to lose the loan modification on my XXXX mortgage, but will also prevent me from obtaining a HAMP 2MP loan modification on my XXXX mortgage. 

A Chase representative recently called me and told me that I would " be out on the street '' if I did not agree to pay a lump sum to satisfy my XXXX mortgage immediately. I am entitled to a loan modification under the HAMP 2MP. Chase is denying me the loan modification to which I am entitled.
I was charged twice for a payment on XXXX/XXXX/15. I contacted Kohls and also my bank to let them know. I was told by Kohls I would be receiving a refund for the duplicate payment. On my next bill ; I was charged again for the {$29.00} and assessed a returned bank fee of {$25.00}. I contacted customer service and they were of no help. I told them to cancel my account. I should have a credit balance of {$30.00}. I have enclosed copies of all my documentation.
Unknown account listed on my credit file which I do not owe. Please help I have disputed with nothing being received
I continuously try and pay my student loans with Navient.com, but everytime I go online or call to pay my loans it says my balance is {$0.00}. I know I owe at least {$48000.00} approximately. I am getting very frustrated trying to pay when I am unable to.
On XX/XX/XXXX, I applied for the American Express SimplyCash Plus Card. I received an email that same day alerting me that I was approved. The card arrived the following week and I began making  purchases with it. 

On XX/XX/XXXX, I went to make a purchase online at XXXX and the charge was denied. I logged into my American Express account to verify that the charge did not go through. There was a banner on my account telling me that the card was canceled. I was not aware of this, I did not request cancellation, and American Express did not send me an email or text to alert me. 

I called American Express on XX/XX/XXXX to ask what happened. They told me they had called to verify my information. Since I don't accept calls from random phone numbers, I did not get the calls. I asked them to open the card and the woman I spoke with told me that she could re-open the account and send me a new card. I agreed. 

On XX/XX/XXXX, I chatted into XXXX XXXX to confirm that the promotional bonus I had used to sign up was still attached to my account. Remember : the account I opened remained unchanged. The charges I had made were still there and all were accurate. Only the card itself was replaced. The terms of the sign up bonus were as follows : " Special Offer : Earn up to {$500.00} cash back Earn a {$250.00} statement credit after you spend {$5000.00} in qualifying purchases on your Card within the first 6 months of Card Membership. 
Plus, earn an additional {$250.00} statement credit after you spend an additional {$10000.00} or more in qualifying purchases on your Card within the first year of Card Membership. '' The terms in quotations above are directly from the American Express application page. I have saved a screenshot of the page I used as well and can submit it if need be. 

The chat rep told me that the bonus terms no longer apply because the card has been replaced. I told him that the account remains unchanged and that only the card itself was replaced. Again, I did not request the cancellation and American Express did that without my knowledge or consent. He then put his supervisor on the line and he/she repeated the same message. This is not good policy : put out an offer to entice a customer, cancel the card, and then re-open the card WITHOUT TELLING ME THAT THE BONUS WOULD NO LONGER APPLY. I only found out about this because I contacted them myself. 

For the reasons above, I'm escalating this complaint to the CFPB. 

For reference, the chat transcript with AMEX on XX/XX/XXXX is : XXXX
Financed a XXXX laptop at speedy cash on XXXX/XXXX/2016 and the computer had a virus on it right out of the box ... it encrypted my files and locked them so I could n't use them and asking {$500.00} to give them back to me. {$1000.00} if I wait a week to pay. The box was checked that said " allow this computer to be controlled remotely. It appears it was created XXXX/XXXX/2016 but the dates are hard to know if they are right on a virus. 
I told speedy cash and they said that they could n't replace the laptop and I needed to call the manufacturer. I called the MF and they told me it was speedy cash who needed to replace the computer. 
I lost important files forever and these were my internet marketing files that I use for work which Ive accumulated over a year and a half and my ability to work has been severly obstructed. I do n't know how to put a value on what my files are worth or if I can legally do anything about this ...? I know I did n't download anything or open anything to get the virus ... it was the second time I had turned it on.
The item with XXXX XXXX was deleted from my XXXX credit report on XXXX/XXXX/XXXX and it was re-inserted back on my credit on XXXX/XXXX/XXXX. There was no reinsertion notification as required by law. 

XXXX, Experian and XXXX FAILED to notate on my credit report that this item was in dispute per the FCRA. 

I 've been dealing with this issue for 2 years now and they reinserted the item back on my credit without notifying me within 5 days. 

They are in violation of the FCRA on the following counts : 1 ) Neither Experian, XXXX nor XXXX, notated the item in dispute. Still current report is not notated. 
2 ) XXXX deleted item and reinserted back on my credit. 
3 ) XXXX did not notify me within 5 days nor did they send me any information at ANY time informing me of the reinsertion. 
4 ) XXXX failed to cease collection activity On XXXX/XXXX/XXXX Experian was in receipt of my certified dispute tracking # XXXX and they too failed to notate that the item was in dispute per my report dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 

My current report dated XXXX/XXXX/XXXX has no comments stating that the item is in dispute. Still after 2 years of my Validation request that they received on XXXX/XXXX/XXXX they NEVER notated that this item was in dispute. 

My last attempt to get this resolved was a certified letter tracking # XXXX sent to XXXX on XXXX/XXXX/XXXX informing them of the violations. 

I am asking Consumer Financial Protection to help me get this resolved, it 's been 2 years that I 've been dealing with this. My last resort would be to contact an attorney and file a lawsuit for all of their procedure violations. I hope it does n't come to that. All of this over a {$47.00} collection that was previously deleted. This item is the only blemish on my credit report. 

This company clearly has no regard for following ANY of the FCRA/FDCA consumer laws. 

Attached documents include copies of several of my credit reports where both Experian and XXXX failed to notate the item in dispute. There has been no statements made on my credit reports over the past 2 years that this item has been in dispute.
I have sent SEVERAL certified letters to Portfolio recovery that I can prove that was signed for asking for proof of the amount of debt owed for this loan. They continue to send me original purchase documents from the day that the vehicle was purchased rather the the final sale documents from which the car was sold at the auction. I was never provided with the date of sale or the sale amount of the car from the original creditor XXXX from which has been deleted from my credit report as they were unable to provide me such documentation. Portfolio recovery has purchased this 6 year old debt from a 3rd party source and is now trying to collect from me, but unable to provide me with information that I am requesting.
I had a checking account with Wells Fargo. ( I had had this account for 16 years ). This account was linked to my Wells Fargo credit card. Each month I could automatically pay my Wells Fargo credit card bill. I had it set up so that if I took no action the minimum required payment would automatically be taken out of this Wells Fargo checking account. That way even if I got busy my credit card would always be paid on time! Out of no where in XXXX 2017 Wells Fargo closed this checking account. Because they closed this account my credit card payments on the Wells Fargo credit card were then NOT being paid. I was totally unaware of this and I do not believe that Wells Fargo did enough to notify me that they were closing this checking account. It was very surprising especially since I had had that account for so long.
Apparently they had changed their policy and this account was being closed because it did not have the required number of transactions per month. I never got a phone call to notify me of this information. To me this is especially shocking and upsetting since I had been a customer for such a long time and had a record of paying my bill on time. Then Wells Fargo started to send me letters stating that my balance had not been paid. I received the first letter on XXXX XXXX, I did n't look at the letter at the time as my XXXX child had been born the XXXX XXXX. By XXXX XXXX, they sent me another letter stating that I was delinquent on this account and that a payment of XXXX had to be paid immediately. I also did n't get this letter until several days later. Finally I got another letter on XXXX XXXX that stated that I had to pay a minimum of XXXX. This was the first time that this matter was brought to my attention and I was horrified. I immediately paid the XXXX. Even though I worked hard to rectify this situation Wells Fargo still put a hit on my credit score. This has severely impacted my credit score. Currently I am trying to buy a new home and my ability to lock in a competitive rate is being affected by my low credit score. All of this had happened because Wells Fargo closed an account I had that was paying them on time every month. I feel that this situation was Wells Fargo 's fault. As they first set me up to not pay my credit card bill, then charged me enormous fees when my payment was late and then finally they hit my credit score and damaged my credit history when none of this was my fault.
I began a refinance with Citizens Bank. I paid a {$600.00} good faith deposit. Citizens sent out an appraiser who gave an extremely low appraisal ( {$160000.00} ) on my home. As a side note, I restarted the refinance process with XXXX and got the house appraised at {$200000.00}. The low Citizens appraisal meant that I could not go forward with them as the loan products they offered based on that low appraisal were not satisfactory to me based on what we originally agreed to. I asked them to then refund my deposit and they refused. I took this up with Citizens and ultimately, they claimed the new XXXX appraisal that I sent to them was wrong - although it was more in line with actual values in my town. Long story short, at every level they refused to refund my deposit. I understand the need for a deposit to make sure that I have " skin in the game '' - however, in this case, their appraisal was the outlier and the reason that the agreed upon loan could not be completed. They insist that I signed documents that allow them to keep my deposit, but this is all on them. I would like Citizens to refund my deposit.
I submitted a complaint via certified mail to Equifax more than one year ago. My Equifax credit report shows the dispute and says it is under investigation. Under the Fair Credit Reporting Act, Equifax had up to 45 days to resolve this dispute. They have yet to update the debt which is hurting my credit.
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Attention dispute department Afni, Inc. Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious Afni, Inc.
I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts  Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
ChexSystems  has not provided any new details into their " Investigations '' they allegedly conduct. They have not resolved anything and honestly i have tried to resolve things with them. As a company that violates numerous FCRA laws put in place to protect consumers of identity fraud. They should be investigated. Chexsystems has not provided any documents supporting their " investigations '' they always demand i go to a law enforcement officer and get them to sign my FTC Report. When i went to my local police station, and they stated that the FTC report does not have to be signed. They normally do not sign FTC reports and stated that the FTC reports these to the police and attorneys, and justice system via the Sentenial network system. I told the police officer that ChexSystems violates my rights as a consumer and all laws put in place for consumers. I stated that they do so by adding fraudulent addresses to my chexsystem report, and by continuing to place these inquiries on my report, even AFTER being notified now over 6 times of fraud that has occurred. Chexsystems has not once sent me any mail, any documentation into their fake investigations. I have provided them with my LEGAL FTC DOCUMENT PROVIDING proof of Identity Fraud, i have signed this document. I am now demanding chexsystems block these inquiries i have already notified you that were fraudulent. I have not ever lived at XXXX XXXX XXXX in XXXX, TX i have not ever lived at XXXX XXXX XXXX, XXXX XXXX XXXX At all, These addresses are again fraudulent and linked to these inquiries that's why chexsystems refuses to block them. FCRA places laws in place if you are a victim of identity theft and you have notified the company that you are requesting to block the fraudulent information and have provided them a copy of your FTC Identity theft affidavit they then must block the information. It does not say they can dispute the information, as i notified them of fraud. It does not say they can lie and continue to commit fraud themselves as they are placing the information on there. I wouldn't have a doubt that someone inside chexsystems is actually behind the fraud since they refuse to ever provide any resolution. I will continue to file complaints with every single government organization i can until this fraud is removed from my report. You are dragging my consumer score down because of your fraud. Additionally they stated they verified XXXX XXXX which looks like some kind of company that does inquiries for all of these " Payday loan places '' My Credit scores are over 700, it makes no logical sense that i would have ever i mean EVER applied for any PAYDAY place when i can obtain prime rates. So again your evidence is actually false. I did not authorize any XXXX services to obtain my consumer report. I did not grant XXXX, or " XXXX XXXX '' or XXXX XXXX access to my ChexSystems report. Additionally i did not authorize XXXX XXXX XXXX. In fact they contacted me advising me there was a fraud alert and i told them i never applied for any accounts with them.
I have a State tax liens that have been paid and filed as released. I want it removed from my public record. 
Ref number XXXX Filed XXXX XXXX, XXXX, XXXX XXXX XXXX Released Amount {$3500.00} Contact details XXXX XXXX County RECOR XXXX, CA XXXX ( XXXX ) XXXX
This company is trying to ruin my life. They call and threaten me all day, and for the past month, have been calling ALL of my family members up the entire XXXX XXXX. They will NOT validate debt ( If there is even a debt ), so I have no idea what they want. The harassment is getting so bad that I am seeking legal counsel next week. I just want them to stop calling my family and validate whatever debt they think I owe them. I did a complete debt consolidation two months ago so I have no idea what they want. They use threats and unethical practices and I have no idea how they are still in business. I am horrified by this company and what they do to people.
phone number XXXX called twice within a hour. I would like apology from that and a fine.