WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX I certified mailed a dispute letter to Capital One Auto Finance to dispute a account that was showing up on my credit report. I have attached my initial letter, the copies of the signature card information from where their company had signed for my letter dictating all that I was disputing, and began the clock of 30 days to place disputed remarks of my dispute on my credit reports. The only response I got was from them mailing a copy of statements. There are many violations that I will be submitting in a court of law, as well as laws that the company broke in not upholding the standards set before them from the FCRA, and the FDCPA. I have pulled my credit from all 3 credit bureaus and have attached the proof for you to examine that the credit reports are time stamped 31 days after they signed for my letters, and one of the major violations they totally neglected to do is mark my account as disputed on my report, and/ respond with court approved documentation within the time frame with verifyible documents that would hold up in court that the debt was in fact my debt. I demand that they remove the debt reporting to my credit report immediately, and that you as well as the attorneys general offices, and XXXX  hold them accountable for the noncompliance of these said violations and laws that have been broken. I want it removed, and it is my rights. My letter clearly explained what I would do if they did not respond accordingly. I have a well documented case and have all intentions of taking care of it legally if they do not comply.
I made a report about XXXX XXXX yesterday, and today the credit union got back to me, please consider this case with XXXX XXXX  closed.
my mortgage was sold to bayveiw loan servicing about 14 months ago they doubled my payment because they miscalculated my escrow I was told to fax a letter requesting an escrow analysis I did and they said 30 days later they did not receive the fax It took almost 8 months to get it straighten out They would not allow me to talk to the escrow dept. XXXX XXXX I switched checking account and faxed them letter and voided check on new account and now XXXX they again have no record of it. They tod me in the beginning I could not e-mail the info and now they tell me I can they also will take the new routing # and account # over the phone but will not stop the payment from the old account. They are making it hard for me to make payments on time and there customer service is to there advantage I 'm paying fees for there lack of customer service and also there reporting late payments to them when it is there service that is causing payments to be late.
We have been in touch with XXXX XXXX directly and also through your system. 
Our credit report shows twXXXX HELOC Payments late. Which is NOT Correct. 
Each month we pay our bills and are given a conformation number to prove our payment. XXXX XXXX takes another step and sends us a letter with another conformation number and our account information. We are still supposed to trust this. 
HOWEVER, We clearly have Conformation # XXXX for payment on XX/XX/XXXX for {$720.00}. Letter of Receipt from bank saying they received the payment with our correct full routing number and correct last four of our bank account. 
We have a documented conversation with XXXX XXXX Supervisor XXXX XXXX as well as her employee ID # XXXX. When we received a call that our HELOC was late, we were escalated to XXXX XXXX ( supervisor ) who explained to us that XXXX XXXX had NOT Processed the payment, through no fault of ours and that no late fees or late notice would be filed - It was purely a XXXX XXXX bank error. 

XXXX misreported late : We have XXXX # XXXX for payment onXX/XX/XXXX Letter of receipt from XXXX XXXX saying they received payment with correct full routing number and correct last four of our account number. 
And a Note from my husband speaking with representative, same story, the told my husband that XXXX XXXX just did not process. We were contacted by XXXX XXXX saying they would look into it. 

XXXX XXXX told me they listened to recording and have no proof that we did not give them a wrong number? With all of our payments we depend on Conformation numbers to say we have made our payment, then to get a letter to say the same. Only to have the bank weasel out of taking off this MIS-Reporting because they reported the date THEY PROCESSED, which is after they noticed THEIR mistake. 
XXXX XXXX is KNOWN PREDATORY BANK. They really hurt our credit and it is NOT OKAY. Please Help Us, XXXX & XXXX XXXX
I received a Bank of America credit card in XX/XX/XXXX that I did not authorize. 

When I received the new card, I thought it was a replacement card for my only credit card opened with them. I do not activate cards until I need them, so I placed the envelope with the card in my desk drawer. 

In XX/XX/XXXX, I received a letter from Bank of America stating that if I did not use my credit card it would be closed due to inactivity. Since I thought this was my original credit card, which holds my oldest line of credit, I went to pull it out of the desk to activate it. 

When I pulled it out, I also looked at the original card. I realized that the two cards did not have the same numbers and that the expiration date for my original card had not even passed. Bank of America opened a credit card in my name without my permission, expecting me to activate it and use it. 

There have not been any other cards opened in my name without my permission or other identity theft issues in my credit report. 

I have tried calling Bank of America three different times to resolve or help clarify how this card was opened. I have asked repeatedly for the information regarding the opening of this account ( what signature they did have, what social was used, what address was listed on the application, what ip address did this credit inquiry come from ). Instead, I am constantly redirected between Credit Card services and Fraud over the telephone. 

I traveled 10 hours to visit a brick and mortar Bank of America to see if they could help resolve this issue. Instead, they just dialed the customer service hotline from their landline and let me volley between Credit Card services and Fraud again. 

Nothing has been resolved.
I am writing to you to complain about the accounting and servicing of this mortgage and my need for understanding and clarification of various sale, transfer, funding source, legal and beneficial ownership, charges, credits, debits, transactions, reversals, actions, payments, analyses and records related to the servicing of this account from its origination to the present date.
I have a checking account with US Bank that was fee-free if I kept {$5000.00} in a linked savings acct. In XX/XX/XXXX, they put a notification in the statement that if the savings amount was not raised to {$10000.00}, they would institute a $ XXXX monthly fee. I never saw this fine print. They never sent me an email and never confirmed that I received and agreed to this new fee. When I next looked at my statement, I had been charged {$15.00} a month for 6 months ( {$90.00} ). When I complained, they refunded {$45.00} but refused to refund the remaining {$45.00}, stating that I was lucky they even gave me {$45.00}, and they were only doing this as a " goodwill '' gesture. To surreptitiously add fees like this without positive opt-in from the customer or confirming that the customer was aware are typical underhanded methods of defrauding customers as long as it is technically legal. The whole reason I opened this account was to have a place to keep money for a non-profit corporation where there would not be much activity. Customers can not be expected to read all the fine print in every statement to avoid getting stuck with surreptitious fees. Their response was typically arrogant and condescending. I think US Bank should be held to account for their behavior. The law should be changed so that they have to have proof that the customer is aware before they can implement charges by fiat.
Beginning in late XX/XX/XXXX through XX/XX/XXXX, Chase XXXX Card and Chase XXXX Card. My previous employer had agreed and had been paying my cards for over two years to cover allowances and company expenditures. We got into altercation in late XX/XX/XXXX, and I quit. He in turn started reversing the charges by lying to the bank stating he never authorized. Even. The banker was aware of the authorization. Once I noticed the first charge was reversed back I immediately contacted chase and informed them of the situation and that I disputed the reversal. I never received any communication back from Chase other than the notice regarding the reversal. Within days, both Chase Card accounts were closed and removed from my online access. I hired an attorney an requested Chase send need my statements from XX/XX/XXXX-XX/XX/XXXX, since I could not access. They still have not provided. The employers ex-wife is in upper management in Chase and I feel she may have something to do with these actions and I would like it investigated.
Recently I checked my credit report due to all the credit bureau breaches and mishaps. Upon reviewing my credit report Ad Astra Recovery XXXX is listed on my credit report from 2012. I do not own this account and it is not mine. I have called Ad Astra to correct the incorrect info listed on my credit report to no avail. I have never received any written information from this company and I am being held financially accountable for an account that is not mine.
Synchrony Bank changed minimum payments to ensure the promotional balance was never payed in due time. Then they back charged 29.99 % interest. Also, when you enroll in Ebill/Autopay you do not automatically receive notifications, these are hidden in other tabs. This cost me {$3000.00}. If you enroll for minimum payments you will be hit with interest. They claim it is their computer that sets the rates etc. They are using predatory practices and deceptive payments to collect unreasonable interest rates. Do not EVER do business with this company.
Ocwen Mortgage not only charges a late fee if your mortgage payment is past is grace period, but also a {$10.00} " rush payment '' fee/ convenience fee. '' They wo n't take the payment unless its through XXXX XXXX, and XXXX is the one actually charging the fee. It 's unfair that their online system will not just accept the payment. For example if my payment was due on XXXX XXXX, and I do n't pay it until XXXX XXXX it charges a regular late fee, which is ok, but they will not accept the payment unless its through their XXXX XXXX it 's just seems unfair that they will not let me just pay my bill!
I never recieved any notice of the debt and when I asked for verification it was never given they have also reported on my credit file that this account is verified by the Fair Debt collection Act which they have repeatedly violated and disregard by not giving me noticed to dispute and a copy of the original contract with my alledge signature.
Chase Card ( s ). Sent disputes beginning XX/XX/17. Filed disputes requesting creditor to remove negative items if not reported to the credit reporting agencies in compliance with FCRA and FDCPA.
Experian fails to investigate a Medical collection from a company called XXXX this is not my account and is for XXXX $ from 2013! I have asked for an investigation proving it belongs to me with no success I want proof its mine or I will have to consider this fraud and stolen identity unless its removed from credit file. 

this has been over 30 days
On XXXX XXXX 2015 a sales rep from XXXX XXXX named XXXX XXXX came to my XXXX XXXX year old father 's home and convinced him that he would benefit from a solar installation. The next day I reviewed the contract he had my father sign and decided to exercise the cancellation clause that day. My father was unaware that the papers he signed would allow them to open a {$40000.00} dollar line of credit with Green Sky Credit. They advanced {$5000.00} on this new credit card. We have been trying to reverse the {$5000.00} credit for months now. I have requested multiple time 's to correct this. I am hopeful this week on XXXX/XXXX/15 almost 6 months later I will resolve this. But we could use some help as it keeps lingering with no resolve.
XX/XX/XXXX- XXXX XXXX credit card payment XX/XX/XXXX- XXXX XXXX money withdrawn " big amounts '' well it 's my money so.!!! XX/XX/XXXX- XXXX XXXX auto loan payment XX/XX/XXXX- XXXX XXXX XXXX XXXX XXXX XXXX , Ks XX/XX/XXXX- XXXX XXXX XXXX new account
In the summer of XX/XX/XXXX, I was asked to leave the campus of XXXX XXXX University ( XXXX ) in XXXX, TX due to a XXXX XXXX XXXX issue. I was, at the time, living in a set of apartments on the campus of XXXX that were owned by XXXX XXXX XXXX, XXXX. The property on which the apartments were located was owned by XXXX and so when I was asked to vacate the XXXX property I was forced to leave my apartment due to it being geographically located on XXXX property. I did not do anything to break the lease agreement of the apartment complex and I reached out many times to verify that they had filled my " unit '' to which I could not get an answer from the management service themselves. These apartments were leased out by the room in a " pot-luck '' roommate fashion and so I really only rented out one room or " unit '' in that apartment. Upon my departure, I confirmed with one of my previous roommates that my " unit '' or bedroom had been rented out to another tenant just under a month after my vacating the premises. My last payment to XXXX XXXX XXXX was in XX/XX/XXXX or XX/XX/XXXX but the date that the account was reported to be open on XXXX, Transunion and XXXX is XX/XX/XXXX. This account has been on my credit report for nearly seven years, in error. I have since received treatment for my XXXX XXXX XXXX, I have been in recovery from all XXXX XXXX XXXX for nearly 4 years and am currently in the process of getting ready to purchase a home. I discovered that the remainder of the rent that I would have owed if I stayed in that apartment had been reported against me to the credit bureaus, such as XXXX, Transunion and XXXX, and I now have a {$4400.00} charge sitting on my credit report. I have done some research and found that the apartment complex is not allowed to collect double rent on any unit at any time. I feel that these fraudulent charges have been placed on my credit report in error.
This also concerns an earlier complaint that is still unresolved, # XXXX. Since then, another unauthorized transaction has occurred. On XXXX XXXX, 2015. XXXX XXXX - XXXX deposited XXXX check into my savings account. Check XXXX in the amount of {$540.00} and check XXXX in the amount of {$220.00}. Despite previous warnings and flags attached to my Bank of America accounts that were in place to prevent this from happening, it happened again. XXXX XXXX XXXX had previously deposited checks into an account unknown to her. The XXXX XXXX Branch of B of A allowed XXXX XXXX to deposit these check into that account ( XXXX XXXX and when XXXX checks were returned to her she now had the complete account number of my savings account. Or maybe B of A just provided her with this information at that time. On XXXX XXXX, 2015 she used my name, not her own name when making this deposit ( as evidenced by the attached " counter credit '' ). I would like to know who these checks were make out to and who 's signature is on the back of these checks?
i have had an AMEX account since 1973. I mailed a check to American Express on Monday, as of Friday the check had not been cashed. I called to find out if was in process. They said they had not received it, claiming it was a problem with the mail service. This morning, Saturday, I received an email from AMEX saying the check was received. Later this morning I received another email for AMEX say the account is past due, warning me that the account may be suspended. I called the phone number to find what was going on. The person I talked to blamed issue on the mail service. The payment location is in XXXX, I 'm XXXX. I told him I think the problem is with their processing center. It 's not my fault that their center is not adequately staffed. Short story I canceled my account. Also I think the staffing is inadequate to help them charge fees and penalties.
I HAVE A MORTAGE WITH OCWEN. WE HAVE RECEIVED SHORT SALE DOC 'S AND AN EXTENSION, BUT WE ARE IN NEED OF AN ADDITIONAL 30 DAYS TO CLOSE. THE BANKRUPTCY COURT HAS SUBMITTED A MOTION TO MAKE SURE THERE ARE NO LIENS OR ENCUMBRANCES OUT THERE THAT WE DO NOT KNOW ABOUT. THIS IS DONE TO PROTECT THE BUYER AS WELL AS THE SELLER. 

OCWEN HAS REFUSED AN ADDITIONAL EXTENSION. THE COURT HAS SENT THE DOCS TO OCWEN AND THEY HAVE STILL REFUSED. OCWEN HAS IN HAD THE " PROOF OF FUNDS '', AND ALL INFORMATION NECESSARY TO CLOSE BUT ARE STALLING ONCE AGAIN. 

WE NEED AN ADDITIONAL EXTENSION TO GET THIS CLOSED AND DONE RIGHT.
I contacted XXXX multiple times complaining about XXXX XXXX and XXXX XXXX submitting false information to disrupt me credit score and my life in general.there both wanted by the XXXX district of New York US marshals XXXX and are under investigation by the new York states attorney general office please call XXXX XXXX and confirm for XXXX bank fraud etc. and XXXX continues to accept information from these two fugitives that are seeking revenge for me reporting the i was an XXXX in XX/XX/2016 now i'm a XXXX  can you have XXXX  explain this? they cant the only number XXXX should accept from any regular person in from my phone if there no bank financial instantiation this fraud as stop me from securing a car loan a credit card i'm XXXX i don't have many option on a fixed income thank you XXXX XXXX XXXX i would like my credit score restored its correct number and no number but my own personal home phone be accepted for information accept for financial instantiation that are verified to be real financial instantiation.And do to the fraud TD Bank denied me a credit card claiming i was last is the last 12 months which isn't true at all because XXXX and XXXX contacted both XXXX  and TD bank harassing empolyee 's pretending to be me using my Social security number name address and D.O.B thank you XXXX XXXX XXXX and the CFPB staff for helping resolve this matter
Requested a written document bearing signature from XXXX XXXX ( XXXX XXXX XXXX ) my indicating this is my account. I mailed certified letter asking for document on and it was received and signed for on XX/XX/XXXX and they failed to respond and or provide documentation. I also requested from Experian to dispute this item and they indicated it is being reported correctly without providing any documentation. This item was disputed with Experian in XX/XX/XXXX.
While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted Experian several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries. Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX onXX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX onXX/XX/XXXX, XXXX XXXX XXXX onXX/XX/XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX.
I had a overdraft for XXXX and they take XXXX for XXXX and when you put the XXXX back into your account before the 24hours your still charged XXXX
I have many issues that I 'm dealing with but I will list them below : # 1 Experian has a security freeze and fraud alert on my credit file and I never authorized or requested this to be placed on there. I have written to them and requested that this be removed 4 times now to no avail. With each letter I include my identification as required. 
# 2 I am receiving letters stating that they will no longer investigate ALL of my accounts which is a violation of section XXXX. Their words are literally that they will not investigate the SAME dispute, and I have never submitted the SAME dispute # 3 Experian took 40 days to send me results # 4 When I call, I am given no answer and told to write a letter. See # 1
I have had the alleged debt from XXXX XXXX sold to another collection agency. I have repeatedly asked for XXXX XXXX to substantiate the debt. My original complaint was dated XX/XX/XXXX transaction ID XXXX. A subsequent complaint was submitted XX/XX/XXXX. As I stated before " until XXXX XXXX can provide evidence of this debt, the movement from one collection agency to another should be terminated. I am repeatedly harassed by third party colleciton companies.?
Bank of America I requesting your assistanceAt anytime XX/XX/XXXX - XX/XX/XXXX did Bank of America acknowledge XXXX XXXX XXXX as owner of property located at XXXX XXXX XXXX XXXX XXXX XXXX
Wrong inquiry from Fairway mortgage. I did not apply for any mortgage with this company. please remove from my credit report
I requested in multiple letters ( XXXX 2016 and XXXX 2016 ) to Transunion to validate and provide me documentation that proves that the information that they are reporting and sharing is accurate. They have never provide me with the information requested yet noted that the information on my report was verified
I checked my credit today and discovered that there is a  Capio    Partners  collection that was just reported to my credit. It seems they are asking for {$610.00} and the account number is "  XXXX  ''.     I did not receive any notice with a right to dispute before this was reported to my credit.     This is concerning because I do not know who this company is or why they want me to pay them such a large sum of money.     I 've done some research online and this company has been involved in several scam stories for many consumers. As a matter of fact, there is a 100 % negative review rating on the    Better Business Bureau! Considering their history, I am not about to reach to this suspicious company when I do  n't even know what this debt is for.     They need to explain who they are and why they want me to pay them {$610.00}.
XXXX and XXXX XXXX are both included in Barkruptcy Chapter # XXXX. Which was Discharged on XX/XX/XXXX, Case No # XXXX Both accounts should be reported as closed, with XXXX balance.