WillisBack/dataset-financial-user-claim huggingface dataset:
Re : Account # : WASHOECTY XXXX To Whom It May Concern, I disputed the referenced account above on XXXX/XXXX/16. The credit report of XXXX/XXXX/16 shows this item was deleted from my credit file. Now I notice this item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA, as sited below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. 
Sincerely, XXXX XXXX
On XXXX XX/XX/XXXX i sent a letter to the University of XXXX XXXX to settle any open balance i had with them. In my letter, it sated that i wanted to settle the account balance for {$100.00}. So, they had the choice to either decline my proposal and return my check or accept my proposal and cash the check ( which i clearly stated in my letter ). The  University of XXXX  XXXX did in fact cash my check, and I have documents to prove it. They did in fact cash the check knowing that the check was only to settle the remaining balance on my account and not to send my account to collections ot cancel any collections attempts. Below is what was in the letter i sent Notice of Dispute and Settlement Dear XXXX XXXX I, XXXX XXXX, disputing the entire balance on any accounts numbers, with date of service from XX/XX/XXXX to XX/XX/XXXX. However, attached is a check made payable to your company settling any balances currently showing in my account from XX/XX/XXXX until XX/XX/XXXX. 
By Cashing the check attached to this letter ( check # XXXX from XXXX XXXX with memo on the bottom : For Balances payoff ), you are agreeing to settle any balances and will refrain from sending my account to any collection agencies or will cancel any collections attempts if you did already send my account to collection. 

If you do not agree to the amount on the check ( {$100.00} ) as a final balance for any services received during the dates stated above, please feel free to return the check, send my account to collection and file a lawsuit. I will be happy to explain my case before a judge. 
Again, Im still disputing any balance forwarded to any collection accounts or any balance you currently have in my account. 

Thank you XXXX XXXX
TransUnion will not fix a problem on my credit report even though the creditor has already updated and reported to them that this was an error. I thought this information was corrected but it is still showing up on my credit report as 120 days delinquent. This needs to be corrected immediately. I have been working to resolve this for several months and according to the FCRA the credit reporting agencies have 30 days to fix the problem or delete the information if it is not able to be corrected. There were two separate accounts under the same account number both needed to be addressed but TransUnion only addressed one. Original account balance {$6000.00}. Per the letter attached from XXXX the delinquency was an error on their part. This should have been easy to determine as I have been having this " investigated '' for several months. Each time the response is that it was " verified ''. Obviously it was not verified. See attached documents!
I owed a debt to XXXX XXXX XXXX, it was turned over to XXXX   Account # XXXX they turned it over to an attorney XXXX XXXX XXXX XXXX. I was serverd a summons for court. I contacted the law firm and settled the original amount of XXXX for XXXX. I paid the amount in full on XX/XX/XXXX my confimation # XXXX. Since then I have contacted XXXX and this XXXX XXXX XXXX XXXX at least 12 to 15 times with messages on transfers with no answers or resoulution. Please feel free to contact me anytime at XXXX. I feel this is wrong in so many was that you pay a debt yet they give you the run around for weeks at a time with absolutely no answers on how to resolve this, Thank you. XXXX XXXX
XXXX  accounts that had been deleted of my report due to identity theft keep coming back up  XXXX  finance and  XXXX   XXXX  bank. Also my payment history with   XXXX    was corrected all delinquent payments were removed and now show back up. I will show picture proof they where deleted.
I have a satisfaction of judgement from American Express yet they continue to report that they have a judgement against me. The judgement American Express has against me was initiated via a fraudulent subservice, the very least American Express can do is stop reporting the judgement now that a satisfaction of judgement has been processed.
About 6 months ago my girlfriend tried to transfer {$1000.00} from her checking account to mine through capital ones XXXX transfer service. ( Both capital one accounts ) The transactions usually take a day to go through so we waited and still no money. So we call in and get bounced around to different representatives for about a week untill they finally send us to someone with power to do something. This rep admitted to capital one having issues with this service and said he would look into it. Finally calls us back and says that have it figured out and that a check would come in the mail, but still nothing. We call again and now he says there was a issue and it was rejected. Now, when we call he is not in the office today and we call multiple times a week. I just want my money back that they stole/lost.
My leased car was return to Hyundai in XX/XX/XXXX. 
The Balance on my account as shown in the XX/XX/XXXX Statement was {$0.00}. 

In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX my account was reported as late. This is not possible as there was a XXXX balance. Please see the attached report from XXXX XXXX. 

I owed nothing but, I was reported as 30, 60 and 90 days late in payments to the credit bureau. 

I contacted XXXX XXXX XXXX and was told " you have not provided sufficient information for us to begin an investigation ''. 

I provided my XX/XX/XXXX statement and the credit report from XXXX showing a XXXX balance in the XXXX XXXX account, but yet payment for this XXXX balance was reported as late!! 

My credit score prior to this was XXXX, it has dropped over 100 points  through no fault of my own and XXXX XXXX XXXX  is not even researching the problem!!! 

I have never been late for any payment to any creditor in my life and I am annoyed and surprised at how dismissive and unwilling to fix their own mistake XXXX XXXX XXXX is being!
i have already took action for this and requested the creditor to remove the late payment for the month of XXXX 2017, i have send my payments online and onetime, it has to be a banking error for which has reflected my credit bureaus. therefore i need your help in order to have this inaccurate delinquency to be removed from my creditor and the all three major bureaus thank you for your cooperation.
On XX/XX/2017 we sent the proceeds from sale of our previous home to LoanCare, " a XXXX company. '' Today, XX/XX/2017, LoanCare 's website states that our outstanding principal balance is {$32000.00}, down from an original loan amount of {$330000.00}. Obviously LoanCare received the priority mail envelope that contained a cashier 's check AND a cover letter requesting cancellation of PMI. [ Please see attachments. ] However, as of today our account information on LoanCare 's website states the next payment due is exactly the same amount as all previous payments. When I finally got through to a representative at LoanCare he said the request had not been processed but he would submit the request today 's date. He also said that the earliest we might see PMI cancellation reflected in the monthly amount due would be XX/XX/2017 but that it is unlikely that LoanCare will complete the process that quickly. Therefore, under the best case scenario we will have paid at least three months -- possibly more -- unearned PMI, which the representative said would not be refunded. 12 USC 4902 ( e ) ( 1 ) ) states that a servicer may not require further PMI payments or premiums more than 30 days after the date on which the written request was received.
I have a saving account in Discover Bank. On XX/XX/18, I wired $ XXXX to invest a project. Due to some reasons, I didn't invest successfully. On XX/XX/18, The investment company wired the $ XXXX back to my account. 

In XXXX, I decided to use fund in this account as down payment to apply a primary house loan. Since there is only " Incoming Wire '' for the transition on XX/XX/18 in the bank statement, my lender requested me to provide info about who who sent the money to me. 

Although I only request Discover to provide the other party 's name for this wire transfer, I still don't receive anything after 3 weeks. Attached is the message between me and Discover for this request. The processing time is extremely and unreasonably long. It exceeds their promised processing time too. It impacts my loan application which is time essential.
On XX/XX/XXXX I submitted an application to NELNET one of the Loan Servicers for the U.S Dept. of Education. The application request was for XXXX XXXX XXXX XXXX Discharge of all my student loans. I had become totally and permanently XXXX since graduating from college in XX/XX/XXXX. My Physicians have verified and submitted to NELNET well within each 30 to 60 days timeframe all the information NELNET requested, it 's been 2 years, and to date NELNET has refused to comply with the federal and state guidelines to forgive all my loans .I received on these dates - XX/XX/XXXX and XX/XX/XXXX pages of denial. ( NELNETS reason for Discharge Ineligibility ) " You did not provide the required documentation for the XXXX discharge and have not responded to our request to provide the missing information ; specifically, you did not provide clarification or missing information from you physician on your application and have not received an valid response. '' This was NELNETS reasoning after 2 yrs of processing my original application from the date of XX/XX/XXXX. Correspondence to NELNET via phone, fax, letter, certified mail has been submitted to them multiple times within 2 yrs.
I have tried on several occasions over a years time to request information to try and validate a debt they claim that I owe. All they are able to provide me with is a credit card statement. I have contacted several times asking for verification with my signature or some contract with a signature in order to validate that said debt is mine. They have been unable to provide any additional information. I am not able to validate debt and there continued reporting of this debt is bringing my credit score down. They continue to mail me a letter saying I did not provide them enough information for them to conduct and investigation and they would be terminating said investigation.
THIS BANK HAS {$1000.00} OF MY FUNDS AND WO N'T SEND IT TO ME. ANYTIME I SEND INA COMPLAINT YOU GUYS TELL ME THEY SAY I MAY BE A VICTIM OF FRAUD WHICH IS NOT TRUE. SEND ME MY {$1000.00} NOW.
We signed up for a new credit card -- Gold Delta SkyMiles American Express card -- in early  XXXX . There were no membership fees when we signed up. After a year of using the card, an annual membership fee was assessed for {$95.00} on  XX/XX/XXXX . We decided that the card was not worth the cost, and according to the card agreement, we canceled the card within the grace period.
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On or before XX/XX/XXXX , I called AmEx to pay off the {$11.00} balance, get the membership fee removed ( this was well within the grace period given in the agreement ) and to close out the account. I had asked the credit card representative ( over the phone ) for the exact amount needed to close everything out completely. I payed that full amount. The payment for {$11.00} posted  XX/XX/XXXX , but the membership fee reversal did not post until  XX/XX/XXXX , even though I had called to reverse it and close the account no later than  XX/XX/XXXX . On  XX/XX/XXXX , AmEx assessed a late fee for the {$95.00} membership fee that should have been reversed when I called a week earlier.
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Since then, AmEx has been assessing late fees each month for the imaginary balance due to their own negligence. I and my husband have called many times to clear this up, but each time, the credit card representatives tell us they have no power to remove the spurious charges, even after the situation is made clear to them. Instead they try to bully us into just paying the late fees to take care of the situation. They offer no other alternatives and no way to contact someone at AmEx with the power to do anything other than take our money.
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Evidently, our credit scores are now being affected, which is completely unacceptable. We would like for AmEx to reverse all charges and clear up the credit reporting with each credit reporting service affected.
After the past several years of XXXX, starting at the height of the subprime mortgage crisis, my wife and I have been through hell with our property in XXXX. Everything from a neighborhood turning into a criminal wasteland because of everyone walking away from their bad investments, to wasting our money on lawyers and loan mitigators, to our home eventually being foreclosed upon. Somehow the foreclosure was not the end of the story. A debt collector, XXXX XXXX XXXX, has been attempting to collect a large sum of money from us. 

In short, we began with XXXX, ended up with XXXX XXXX XXXX, and now XXXX XXXX XXXX ( although according to real estate records our home has been foreclosed upon ). Our problems started in XXXX while I was on XXXX. We walked away in XXXX due to a significant increase in crime in our once respectable condominium community ( and a 60 % drop in value of our property ), and rented a house in a safe neighborhood in XXXX. There was no way I 'd leave my wife and daughter in such a failed and unsafe community that our XXXX neighborhood became. 

This year after returning from another XXXX, we learned our property was foreclosed upon around XXXX, and are still being hounded by the debt. This has severely impacted our credit reports and have further professional implications as well. I have n't had time to tend to this problem until now. We need some help! 

Please let me know if you need further data. I have a tons of documentation that include the Trustees Deed of Sale ( attached ). 

RespectfullyXXXX XXXX XXXX XXXX
I have had to pay around XXXX or more in interest to EZ pawn on my loans. I took out a XXXX loan that costs me XXXX a month on the extension and a XXXX loan that cost me XXXX per month on the extension on top of the XXXX interest no a 3 month loan. I have had to repawn my stuff over and over and am loosing all of my jewelry. I feel that I am being overcharged.
This is the second time that I have had to open a complaint with CFPB on USAA. 
Last month, I complained to you about REPEATED unauthorized charges to my USAA card, and I wanted the account CLOSED. After sending HOURS on the phone with their incompetent staff, I was unable to get the account closed. 
After asking you to help, a USAA rep called me to assure me that the account was closed. 
Today, USAA sent me a bill ( XXXX balance ) on account XXXX XXXX XXXX XXXX. 
Evidently, they have NOT closed this account.
XXXX  hired Sourc e Receivables Management to c ollect money from an account that was past due and they tried to threaten me with harming my credit and suing me if i did not pay even though i never ever had an account with  XXXX  and was not the person that owed the money I called  XXXX  twice to have them fix this problem and on the second call i was notified that the dept collector was notified on  XXXX   XXXX  to stop calling me and to cease and desist any dept collection from me today is the  XXXX  of  XXXX
Experian Omission of accounts or records belonging to the consumer Data and data entry errors Furnisher system or process inaccuracies Assigning a payment to the wrong account ;
I submitted a dispute with XXXX, TransUnion and XXXX  concerning a collection account they are reporting under XXXX XXXX XXXX {$570.00} ( XXXX XXXX XXXX XXXX  ) This account is not verifiable and inaccurate and should be removed. 

I have enclosed a letter by the original debtor sent through CFPB showing proof of documents they sent stating the debt amount is not valid- XXXX XXXX XXXX  was purchased by XXXX  and here is their notice sent to me. 

I would like this removed and deleted as they clearly show that the amount listed {$570.00} is not accurate and this is fraud by XXXX  and XXXX XXXX by reporting this other wise with out any documentation
On XX/XX/XXXX, I received a letter dated XX/XX/2016 from Kohl 's that I had opened a credit card. I did not open any credit cards with this company. I called they and they informed me that an online application had been placed for a credit card in my name. Both were cancelled by Kohl 's, however, the inquiry still remains on my credit report.
My payment was returned due to a bank error concerning an extended hold on certified funds due to a system error. My bank ( XXXX ) has acknowledged this and refunded the fees associated with the mistake but I still incurred a late payment from my lender. This is unfair and not my fault. This needs to be corrected immediately. This has cause me great stress.
This borrower has a loan with Citizens one for which she obtained a loan modification back in XXXX 2016. She fell behind on that loan and was able to use the New York State Mortgage Assistance Program ( NYS-MAP ) to fully reinstate the loan. Soon after she receives a mortgage statement showing additional " recoverable fees '' that were never disclosed previously.In order to complete the NYS-MAP we requested that all fees should be added to the reinstatement quote and these fees are appearing after a reinstatement was done. We have tried reaching out to Citizens One who first acknowledged that there might have been an error to then claim that the fees are justified. Since then no matter how many pressing messages we left it 's been weeks of waiting for an answer, nothing no matter how we turn, they seem to avoid giving a real answer. They keep on calling borrower with different info and can not seem to show why she was given the " new fees '' added to her mortgage after her reinstatement. They try to justify them as Foreclosure fees but home was not in Foreclosure at the time.Therefore there were no need to add the total {$1500.00} fees.
I check my account anytime that I make a purchase to make sure that the funds are available and that I don't have an overdraft fee. This morning when I checked my account, there were 4 overdraft charges on my account. I checked 3 out of the 4 and there were funds available when the transactions were made and posted. I then called the bank which they have longer than usual hold times of up to an hour when usually I can reach someone immediately. I waited for a callback and spoke to someone named XXXX with an operator ID of XXXX. He then said that all charges were valid even though I advised that my app and my online account were showing that the funds were available for each transaction. He then proceeded to ignore the questions that I was asking him saying that he was trying to explain each transaction. I listened to one transaction and told him that didn't match up to what I saw online and through my app on my phone. He then said that all charges were valid. I requested a supervisor numerous times becoming more and more irate as the time went on because he refused to put me on hold though I told him that I didn't mind being put on hold. He came back not even 30 seconds later and said that no supervisor was available. So then I told him that I would hold and it didn't matter how long but that I would simply hold and that I also wanted to close my account due to his horrible customer service. He then refused to put me on hold for a supervisor and disconnected the call. I have downloaded my statement as of today XX/XX/18 at XXXX XXXX and my account was only overdrawn once and to that, I am also questioning because of the other erroneous charges on my account. I'm including the charges and also a highlight of when the charges actually came out of my account and the amount left when the charges had come out. I offered to send the same information that I was reviewing with the representative but he refused to accept my documentation. If my account didn't have the funds in there when the purchases were made it would show and if it were negative it would also show. This statement shows that the funds were there, however, the representative was saying that there weren't funds available. Either their online and app is behind and slow or they have inaccurate information in their system. Either way, it isn't the consumer 's issue or fault if they have something completely different in their system than what our online account and apps show. We rely on the information that is provided through their website and their applications so it should be accurate and up to date. We shouldn't see one thing online and be told something completely different when we call.
EQUIFAX fails to remove the XXXX account. EQUIFAX reports incorrectly that this account Terms are Revolving. EQUIFAX reports incorrectly that this account balance is {$8500.00}. EQUIFAX reports incorrectly that this account is past due {$8500.00}. EQUIFAX reports incorrectly this account Credit Limit is {$7000.00}. EQUIFAX reports incorrectly that the account is over it 's Credit Limit. EQUIFAX reports incorrectly this account 's date of first delinquency is different from the date of first delinquency from the other CRS 's for removal. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.