WillisBack/dataset-financial-user-claim huggingface dataset:
credit card company   XXXX    XXXX  had a dispute on resolve yet alleged compliant solve spoke to  XXXX  at corporate office send duplicate bills with rearrange sub totals rearange debt don, t match purchases deposit and payments attached memo indicating deposit to established secure card does not appear on statement and it should appear in the the day to day balance, also unauthorized withdrawal from account after payment was made reported payment history as late in  XXXX    XXXX   to credit bureau when they applied the secured deposit to balance indicated account close by me i never closed account they issued card ending  XXXX  with out my consent to offset balance when request fro breakdown on how deposit was apply from to month when was open no statement for  XXXX  or ending balance statement to  XXXX  this matter has not been resolve please contact me for further detail  XXXX   XXXX   XXXX  duplicate statement send does not match original statement this account has never receive late payments u indicate payment receive were late let see bank transmittal for payment from bank to bank this account never been late on payments you have not resolve this matter this matter ramin open with all not mentioned forthwith
Dear Sir or Madam of the CFPB, It is my hope that the CFPB will assist in resolving the ongoing illegal activity being conducted by  Wells Fargo Dealer Services  and its agents. I have, in good faith, attempted to resolve the dispute with  WFDS  on more than  5  occasions. As of  XXXX   2017 , WFDS has yet to resolve and discontinue reporting incorrect, unvalidated, and illegal data to the credit reporting agencies.     As the attachments will show,  WFDS  continues to interfere with the health of my credit by continuously reporting erroneous information . WFDS c ontinues to misreport account standing and balance in direct conflict and in violation of the FCRA.     WFDS, directed its agents to claim the financed vehicle in question from me. I no longer have the vehicle in my possession as  WFDS  took claim to the vehicle. As of  XXXX   2017 , I have yet to receive written documentation as to the value of the sale of the vehicle, the redemption notice, the re-calucation after sale, and other pertinent legally required documentation. WFDS has been in breach of its contract obligations and credit reporting requirements.     For the last 2 years , WFDS r eports erroneous information. I am seeking assistance in ending the erroneous, harmful, and damaging credit reporting being done by WFDS and its agents. Please review the attached documentation, phone calls, and letters, to reveal the antics o f WFDS  and the struggle I have endured in ending the harm caused b y WFDS .
I have a student loan through Navient XXXX XXXX XXXX XXXX for just under {$10000.00}. I have been making payments on my loan this year, however, they have chosen to charge it off ( as of XXXX XXXX ) which I didnt find out until XXXX. In XXXX, someone from Navient XXXX XXXX XXXX contacted me to attempt to settle my loan. I negotiated a settlement offer but never accepted it. I called in later on in XXXX to express that I had experienced a hardship and needed more time on the offer. I was told that Navient had charged off my loan as of XXXX and that I would need to call around to figure out who owned the loan. After calling around a bit more I found out that Navient still owned the loan but would not give me any hardship extensions. I went to check my credit report and saw that the loan had indeed been charged off for the full amount. However, today ( XX/XX/XXXX ) i received a credit alert stating that Navient had charged off the loan again for {$2000.00}. Navient is reporting this XXXX debt as a charge off multiple times for different amounts in order to ruin my credit. The company is malicious and making it difficult for me to settle my loan in an attempt to get more money out of me.
Opened a new citigold account with the promotion below. 

Citibank Citigold Checking is offering up to XXXX XXXX XXXX XXXX bonus miles with promo code XXXX good until XXXX XXXX, 2016. In order to get the maximum XXXX bonus XXXX, you must open a Citibank Checking Citigold Account Package, set up a bill payment for at least XXXX consecutive months, and make at least {$1000.00} in debit card purchases. 

Called multiple times and getting the runaround. Getting charged monthly fees for waiting on miles to be credited to my airline account. Multiple times no communication from citibank. Please help.
XXXX removed information from my credit report on or around XXXX XXXX but when I checked my credit report on XXXX XXXX, I noticed that they had reinserted deleted information.
After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$380.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
Robocall from " XXXX '' asking for information with the promise of lowering my interest rate.
I obtained a copy of my credit report and realized there were two credit card accounts ( Capital One and XXXX ) tied to my name so, I disputed both accounts. After the dispute process, both accounts were claimed to be verified by the credit card companies. These accounts were opened fraudulently on my behalf and I would like them removed from my report immediately.
There was confusion on why a collection agency reporting to my credit report that I had an account in default as I had no knowledge of any account of the sort and the location of the collection agency was in a state that seemed like it was not related to me either. Anyhow I opened an inspection into the collection agency through the cfpb which allowed for the collection agency to look further into my case and they found that I had indeed not been notified by the hospital of what was a special deductible/co-pay for a hospitalization emergency surgery. I did n't realize that this deductible was separate from my normal medical deductible which had already been covered for the year from a separate hospitalization. As a result of this reinvestigation on the Collection Agency 's Part explained to me what the charges were and why I had not been informed about them. They also offered me a " one-time special offer, '' as they put it, this offer as they explained would remove any mention of the account going to the collection agency from my credit files and it would resolve in full all claims by the hospital in question. They said that they would be willing to discount the amount that I would need to pay by 50 %. I took them up on their offer and their word that it would not appear on my credit report. It now appears on my credit report as settled legally for less than the full amount and it has it under the collection agency 's name as the creditor claiming this fact.
BANK OF AMERICA CREDIT CARD SERVICES CLOSED MY CREDIT CARD ALLEGING THAT I MISSED FOUR PAYMENTS. I MADE TIMELY PAYMENTS THAT WERE ALLEGEDLY REJECTED BY MY BANK FOR UNKNOWN REASONS. I MADETHESE PAYMENTS IN GOOD FAITH AND BANK OF AMERICA CLOSED MY ACCOUNT FOR FALSE AND UNFOUNDED REASONS.
I received communication from a company stating that a debt is due from XX/XX/2014. I do n't own XXXX or XXXX for any debts.
The last year 2017, my car was stolen in which my wallet was inside containing most of my personal information such as drivers license, social security number, and other sensitive info. I didn't think much of it seeing that I reported the incident but later on I would notice some weird changes. I started noticing new accounts appear in my debt collections that I had no knowledge of.
There is an address on my credit report that I never lived at. Can someone please help me get it removed.
I setup a reoccurring payment with Toyota financial services on XX/XX/2017 to pay the loan on my new truck. The payment that was setup ended up being {$50.00} less than the contract amount. Toyota financial services made 10 payments at that amount and ended up charging me late fees with each payment and snowballed the account and reported it as being in default on my credit report. All 10 payments were made on time but since the reoccurring payment system withdrawal was for {$50.00} less than the contract amount. Toyota financial services never contacted me about this issue. The payment system should not have allowed the payment to be processed for less than the amount due. When I contacted them they would not return my call as promised and several email attempts have failed. I paid the account up to make it current and also adjusted the reoccurring payment to cover the proper amount due each month. I feel that Toyota financial services allowed this default to occur and collected on the late fees. I want all late fees removed from my account a don my credit report updated to show that all payments were made on time.
In XXXX of XXXX, we notified XXXX XXXX XXXX that we were abandoning our home due to job loss and relocation. We filed for Chpt XXXX bankruptcy. The bankruptcy was discharged in XXXX of XXXX. XXXX filed for exemption from the bankrupcy. We listed the property for sale after coming to agreement with XXXX for a short sale. We received a full cash offer for the home at the appraisal price. XXXX then sold the loan to Penny Mac. Since XXXX of this year we have provided paperwork to Penny Mac to again initiate and seek approval for the short sale to the same buyers. We are now receiving collection letters from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NJ - the letter asks for XXXX and says " Your creditor is XXXX XXXX XXXX. ''
In XX/XX/2017 I overpaid my credit card by {$400.00}, resulting in a - {$400.00} balance. 

I have called and requested for a refund to be mailed to me each month and have yet to be receive the refund. 

Each month I call, they confirm my address, stop payment on previous check, and claim again they are mailing a new refund check, but it never arrives. 5 months in a row now. 

I have escalated this to them internally asking for a refund and they have claimed they can not do anything different except to try to mail another check again. This seems really wrong as I have been waiting almost 6 months to get my money refunded.
Over the course of six phone calls, I've attempted to amicably resolve the dispute with Navy Federal Credit Union. With continual requests for additional information, the requests not being provided in a timely manner, the situation culminated when XXXX with Navy Federal Credit Union security called me at approximate XXXXXXXX XXXX  on XX/XX/XXXX and threatened me with bodily harm and death. 

The initial charge for approximately {$450.00} was made in XXXX with XXXX XXXX, a political sign manufacturing company. After many jobs having gone wrong previously with the company, I requested a refund for one of the projects which had gone wrong. I disputed the charge with Navy Federal Credit Union and the company has taken an unacceptably lethargic approach to resolve the dispute. 

After many weeks of back and forth communication with Navy Federal Credit Union, I provided Navy Federal Credit Union with every possible shred of evidence that the XXXX XXXX company had provided signage that was delivered with unacceptable damage and quality control issues. Today, XX/XX/2018, I sent final documentation to Navy Federal that they've requested with information that I'd sent the merchandise back to the XXXX XXXX  company, as XXXX XXXX revoked online access to my online ordering account and refused to continue communicating with me by email. 

After sending the final requested documentation to Navy Federal Credit Union, I provided final warning that if I could not solve this amicably, I would be forced to pursue this matter in small claims court. It was later that evening that I received a threatening phone call from XXXX on the security team. I'll have to file a police report, as Navy Federal has access to personally identifiable information that would endanger my family if XXXX followed through on his threat of bodily harm and death.
On XX/XX/2018 I disputed an item on my TransUnion Credit Report via a certified Letter which included a Dispute Letter and a copy of the Disputed item ( XXXX  XXXX Account ). 

I stipulated that : According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available Please note, a third-party furnisher of information, such as XXXX, XXXX XXXX, or an alleged creditor does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ). I demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ). Please provide me with : the Name of the Person you spoke with who verified the account ; an original Consumer Contract with my Signature on it ; the Telephone Number of the person who verified this account ; and the Documentation Used to Verify the dispute. 

I received back a letter from TransUnion that said that my account had been " VERIFIED AND UPDATED '' but this letter did not include any of the information that I requested as per law. I then sent TransUnion a second letter via certifed mail on XX/XX/2018 again asking that : according to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ), I specifically requested that you provide me with : 1. the Name of the Person you spoke with who verified the account ; 2. an original Consumer Contract with my Signature on it ; 3. the Telephone Number of the person who verified this account ; and 4. the Documentation Used to Verify the dispute. 

YOU HAVE NOT PROVIDED ME WITH THIS INFORMATION WHICH IS GROUNDS FOR DELETION. 

Under the FCRA, unverified accounts MUST BE REMOVED and if you are unable to provide me a copy of verifiable proof as per my request above and as per the law, you must remove the disputed account. If you do not provide me with the above mentioned information to verify your investigation results as required by the law, I will file a complaint with the FTC and the Consumer Financial Protection Bureau. 

On XX/XX/2018 I received a letter from TransUnion where they stated that their Investigation Results had been " VERIFIED AND UPDATED '' yet they Provided none of the required verification information that I requested. 

I am requesting your assistance in putting an end to this matter. I have already sent a letter to the FTC and I am now contacting your organization because my rights have been violated and I want to have the referenced account perminantly removed from my credit report. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX
There is an address on my credit report that is not mine. I looked that address up and it is in an upscale area with the homeowner having the same last name as mine. Also XXXX of the verification questions says I may have a opened a home loan and questions the home loan payment. I answered none of above and my online reports were denied. How do I get that address off my credit report which may be linked to the verification questions?
I have requested via certified mail, a formal dispute of  XXXX   XXXX   XXXX   XXXX  is Illegally reporting on all  XXXX  major bureaus, Experian,  XXXX  and  XXXX . I have requested that the information be removed due to per Texa s SOS debt collection must be Bonded, and although they are not a 3rd party collector, they are indeed trying to collect a debt via the credit bureaus with a " Cancelled Closed File '' per the Texas SOS. I have attached the  search results.
I recently moved and as a result changed my address on my tjx mastercard through synchrony. Since that time ( 1.5 months ), my card has been frozen along with all access to any information. No representative will tell me what is going on ; however, am being forced to pay my monthly bill without being allowed to know what the charges for the respective statement period are. I was told that I do not have to pay the bill in full and can just make the minimum monthly payment. They refuse to tell me what is going on. This is extortion
Approximately around XX/XX/XXXX I called all three credit bureaus about credit inquiries illegally not authorized on my credit report also. I spoke with XXXX and they had a glitch in there system in XX/XX/XXXX.  Inquiries that were deleted are back on my report as well and I was not notified by mail in the time frame that was supposed to be notified by law. These inquires added a hardship and my rights were violated by XXXX as well as the other two credit agency. As a resolution I ask that all my inquires be permanately deleted from my XXXX report as well as Equifax and XXXX.
DISPUTE WITH-XXXX XXXX XXXX XXXX, XXXX. 
*AUTO* I had a XXXX  XXXX XXXX and was financed through XXXX XXXX  . 
I had my XXXX for almost over two years with no missed payments and a few late payments. I was scammed and reported the scam to the police, to all three creditors and all accounts that i thought may have been affected. 

One morning i was leaving out for work and my vehicle was gone. I missed work and pay for a week behind this issue. The first thing i did was call the police thinking it may have been stolen, next i called XXXX and indeed XXXX came and took the vehicle with no notice or explanation they simply stated that the months payment was not recieved and they can take the vehicle because it is theirs. I disputed with them that all payments are up to date and if you see my credit report i have all green OK 's up to that month. They did not call me, no missed calls, no missed voice messages, no mail through USPS NOTHING just came and got my vehicle. So now they are trying to say i owe them {$9900.00} and you can tell they have done something incorrect because now they took the payment histories off of all of my credit reports. I called them and written them and asked them several times to send me a complete statement, and a break down of all payment histories from the first transaction until the last transaction and they were rude and have not sent anything. I want this {$9900.00} taken off of my credit reports and etc and they are refusing. Please help me with this issue.
XXXX   XXXX  opened an old closed/paid account and marked it as delinquent on my   XXXX   Report. Ive been working on my credit for the last 3 years.. Proud to say I paid off all of my debts. Since   XXXX   XXXX     a mysterious payment from  XXXX   XXXX  appeared as a collection on my   XXXX   report. I check all my physical mail and email, I never had any collections or payments due to " CA CHECK CASHING '' which is the company  XXXX   XXXX  claims they are representing. I decided to call  XXXX   XXXX , calling them feels like you are calling someones personal cell phone. They are never available and ask you to leave a voicemail, which they do not return. I also emailed them, and have not recieved a email back.  3RD  Time I called a got a man on the phone, he asked me for my full SSN, which i was hesitant to give over the phone but since this charge was on my credit report I thought they were a legitimate company and would not be fraudulent. So foolish me i gave them my SSN, ( shouldnt collection companies only ask for the last  4 of SSN  just to verify your identity? Unless they didnt have it at all since they are the fraudlent company ) after I gave my SSN he said he would send me the documentation to confirm my debt with CA  Check Cashing , he said he would send it in an email, i have yet to recieve this confirmation. Now he has my SSN and is going to do  XXXX  knows what with it. I called back 2 days ago to let them know i never recieved any documentation regarding this debt. The woman on the phone had the rudest attitude and didnt sound professional at all. She sounded like i was interuppting her day, like im calling her personal cell phone. She asked me for my SSN again and I said i would verify my account another way. She said their was no other way  ( w hich i know is a lie ) so I told her that i will have to settle this account another way then. I called  XXXX  and had this company flagged on my account also disputed the charge. I also called CA Check Cashing to ask them who i can speak with to verify any account i had with them that was late, the representative told me she would transfer me to corporate and then hung up on me.
Incorrect/wrongful info reporting to credit bureau, Inappropriate methods for debt collection ( including lies ),  breaking an agreement for paying debt. My company XXXX XXXX has two ( 2 ) credit card accounts with American express with existing balances. We were in negotiations to pay those balances and always were clear of the intensions to pay them in full. In XX/XX/XXXX and in XX/XX/XXXX we've made in agreement and make 2 payments total of  {$8000.00} ( {$4000.00} for each account ) in order to prevent those accounts to fall into collections, as we agreed. On XX/XX/XXXX ( 6 days after the payment ) American express broke our agreement and reported to XXXX Credit Bureau this account as personal collection account for me, ( XXXX XXXX ), as a guarantor with delinquency of 90 days or more!!! This is ridiculous since it based on misleading information - First : 90 days or more delinquency is wrong reporting ( last payment date is XX/XX/XXXX, business has made two ( 2 ) payments in two ( 2 ) month, that's 20 % of the total balance ) ; Second : An agreement has been broken by American Express or their representatives, they lied to me promising that in exchange of the payments keep accounts out of collection and even refund late fees and reopen one of the account ; Third :  since business has paid last month that couldn't be reported as personal debt, I'll take responsibility if it's not paid.
There are several different addresses for one address that I lived at and there is also an address that is not mine. My spouse/co-applicant is incorrect.