WillisBack/dataset-financial-user-claim huggingface dataset:
In  XXXX   XXXX , I purchased  XXXX  {$500.00} prepa id Visa d ebit cards from a  XXXX  's grocery store in  XXXX   XXXX . They were issued  by U.S. B ank.  <P/> I attempted to use those cards, only to find out that they were n't activated properly. I called the number on the back of my card and was told to send a fax to  the Gift Card Activation de partment, which I did on  XXXX   XXXX ,  XXXX . I never heard anything back from anybody  at U.S. Bank.   <P/> Over the course of the next year, I would periodically attempt to check the balances on the cards using their online balance checker at   XXXX   XXXX   XXXX  . The cards never showed up on their online interface, so I assumed they continued to remain unactivated.  <P/> Frustrated, I finally called in again in  XXXX   XXXX  to investigate what was going on with my cards. It was then I learned that, despite being in my possession the entire time and nev er ( to m y knowledge ) being activated, the cards were totally drained of their balance. In fact, the cards were drained on  XXXX   XXXX ,  XXXX  - 2 days after I sent my fax. I was told to fill out a fraud form of some sort, which I promptly submitted. I was told that after filling out the form that  XXXX  new cards would be shipped to me.  <P/> My response fr om U.S. Bank  was frustrating, to say the least. They claim that they ca n't help me because I did not report the fraudulent activity within 120 days of the fraudulent transactions occurring. This, despite the fact that it would have been impossible for me to report any fraudulent activity, seeing as I did n't even know the cards were activated AND had no means of accessing information about the cards.  <P/> I still am unable to access the transaction history or learn any information about what happened with my cards, or how they were able to be used by another party despite being in my possession. I have reached out on several occasions over the past few months to no avail. My call s to U.S. Bank ha ve not resulted in any resolution, and nobody can explain to me how this all took place.  <P/> I thought I was out of options, but a colleague of mine referred me to CFPB, and I am now hoping you can help me get to the bottom of this.  <P/> Essentially, I have had {$1000.00} stolen from me. Please advise on what next steps I can take to get my money back.
I didnt receive a copy of the original debt or a notification from the debt collector in regards to this balance owed. So there was no opportunity to pay or dispute this debt.
I received statement of credit denial ( see attached Valley National Bank Credit Denial ) regarding refinance of home loan with Valley National Bank for primary residence. 
Complaint is regarding Valley National Bank is not refunding {$490.00} origination fee. 
According to Valley National Bank Disclosures and Authorization document, under section REFUND OF ORIGINATION CHARGE AND OTHER FEE ( see ( XXXX ) in attached Disclosures_And_Authorization document ) Origination Charge ( The amount collected ) is not refundable, except under the followingcircumstances : ( XXXX ) your application is denied and our decision is based on reasons other than valid underwritingconsiderations which we knew, or should have known, from the facts contained in your application ; My refinance loan was denied because of pending HOA litigation which was the fact contained in my application ( see attached CONDO ADDENDUM, provided with myloan refinance application. Look for " is the project the subject ... '' ). 

For that reason Valley National Bank has to refund {$490.00} origination fee. 

I spoke to XXXX, XXXX XXXX, and XXXX XXXX and they all said we ca n't sell/re sell your mortgage in secondary market due to pending HOA litigation and we ca n't approve refinance home loan. 
I did not get any answer from customer service or XXXX XXXX, XXXX XXXX, XXXX XXXX.
Apparently someone with a similar name to mine filed bankruptcy in the and it appeared on my credit report. Through your dispute system I recently filed a dispute stating that someone with a similar name had filed this public record and it was not mine. Unfortunately it came back verified and it is still listed on my credit report. Frustrated I decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtor 's full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it immediately. How is this information verified and where. There was a wrong SSN listed on my report at one time, so it is possible that additional information could in fact be in correct. I had to resend the letter, twice to the credit bureau. Both time they denied receiving it. In addition, the court clerk told all bankruptcy information is only available third party and they do not have all the information in the file because it is a sealed file. My home is a rental and I still receive mail from pass tenants. I believe this is not factual and should be removed from my credit report.
XXXX several occasions I have contacted TransUnion LLC in regards to some allege debt of XXXX that has been reporting on my credit report as derogatory or negative item. I request on many occasion that this credit bureau validate the allege debts but Transunion fail to investigate this allege negative item. NOW I WANT THIS ACCOUNT DELETED FROM MY CREDIT REPORT BECAUSE TRANUNION IS INCORRECTLY REPORTING THIS ALLLEGE ACCOUNT AND ALSO TRANSUNION DID NOT INVESTIGATE THIS ALLEGE NEGATIVE ITEM. The credit bureau is supposed to request verifiable proof not partially but in whole according to federal law. The law requires the bureau to only report the negative item if they have XXXX percent verifiable proof in regards to the negative item that they are reporting. The credit bureau is supposed to get the original contract along with other documents from the original creditors and within 30 days provide the information to me. TransUnion is reporting XXXX as a negative item on my reporting. It is reporting the allege account as a charge off and collection account it which is incorrect. Now that information is incorrect. The highest balance being reported on this alleges account is also incorrect. Also late payments is showing on this account, past due amount is also showing along with the charge off amount. This is incorrect reporting because account has been sold or transfer to a debt collector. Also these allege account has been Re-Aged and this is illegal. I was this account deleted from my credit files because of On several occasion I have disputed these allege item and although TransUnion fail to provide me with require information that these allege debt are XXXX percent accurate, TransUnion still report this allege item without proper validation. The last phone call I made to Transunion in regards to this illegal reporting of this account on my credit file, I spoke to rep XXXX and he asking me to provide him with the accurate information so that Transunion can update their file. Now this is illegal because Transunion should not be reporting negative information with XXXX proof, also because XXXX requested for me to provide him with the accurate information it shows that Transunion did not investigate this allege negative item, and THIS IS ILLEGAL ACCORDING TO FEDERAL LAWS. TransUnion needs to provide legitimate validation and fulfil their legal obligation by investigating the disputes. TransUnion is supposed to exercise their responsibility with fairness, impartiality and respect for all consumers. TransUnion never state how these allege debt was verified, whether by mail, by email, by fax, or by telephone. TransUnion is violating the Fair Credit Reporting Act, The Fair Debt Reporting Act, and other federal consumer protection laws. Verifiable proof not partially but in whole is required by federal law, and negative items are only supposed to be reported when you have XXXX percent verifiable proof. Now TransUnion continue to report negative items on my credit report and fail to provide me with XXXX percent accurate, legitimate validation of allege negatives that they are reporting on m y credit report.
I mailed a letter to Experian on XXXX XXXX 2017. I sent in a letter requesting Experian not the creditors, to validate specific accounts that are listed on my credit report. I clearly understand that the FCRA requires Credit Bureaus to provide all documents stored on file that were used to verify the information that is being reported on me when requested. Experian is disputing the with the creditors I listed in my letter. However, this is NOT what I requested Experian to do. This letter has nothing to do with the creditors. I am specifically asking Experian to provide me with proof of these accounts, written contracts or any information to validate the debt, they responded saying they do not have that information. Therefore, the listed accounts are unverified. I am fully prepared to take legal action in order to protect my rights under the FCRA. I am requesting the unverified accounts be deleted immediately under FCRA section 609.

609. Disclosures to consumers ( a ) INFORMATION ON FILE ; SOURCES ; REPORT RECIPIENTS. -- Every consumer reporting agency shall, upon request ; and subject to section 610 ( a ) ( 1 ), clearly and accurately disclose to the consumer : ( 1 ) All information in the consumer 's file at the time of the request *I also sent Experian a photo copy of my Drivers License and SS card*
My creditor is using abusive collection tactics. I told them I am in the process of filing a bankruptcy as recommended by a consumer credit counseling agency. The company then tried to demand payments and told me they would potentially refer me to their attorney for further collections. The lady I spoke to was very rude and very much not understanding of the situation. She made several threatening and intimidating statements during the call including that calls would possibly even continue while I am in bankruptcy and that they may conduct a review of my income and assets for dealing with further collection of this {$800.00} debt. I informed this person I barely had enough money to pay for my food and prescriptions and that my income had been greatly reduced. She kept pressuring me to make a payment. I told her my bankruptcy would be filed in the next two days and I did not have money and she just kept pressuring me to pay her. She really frightened me to the point where I was afraid she was going to keep calling during a time when she should n't.
I have tried to get this resolved with Experian for quite sometime. They are violating my rights under the FCRA. They have 2 XXXX XXXX XXXX companies listed that are n't mine. One for {$87.00} and another for {$1600.00}. What they do is put in no data at first then they 'll update it to 150 days late, then closed, and put it back as okay or open as if I 've been doing activity on the accounts which i have not. XXXX XXXX XXXX is not reporting the accurate amount. And I do not have any accounts with XXXX XXXX XXXX. they are n't even verifying that the information is accurate as they claim to do.
We were behind on payments by American Finance LLC of XXXX Delaware. We initially spoke with Rep XXXX XXXX, who told us how far we were behind. Then, we agreed to a payment arrangement to get payments caught up. We also spoke with another Rep named XXXX who also confirmed how far we were behind. Over the course of about 6 weeks, the amount they said we were behind was paid in full and we were told the account was all caught up and we were good to go. So, we resume with regularly scheduled payments on time. Then, all of a sudden, weeks later, we get a call from XXXX saying there was some type of glitch in there system and we still owed them {$530.00} and the account was still behind. We had already paid them well over {$1200.00} and now they are saying we owe them more money.
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


GLOBAL LENDING SERVI Account Number : XXXX Account Type : Installment Account Status : Closed Monthly Payment : Date Opened : XX/XX/2016 Balance : {$16000.00} Terms : High Balance : {$28000.00} Limit : Past Due : Payment Status : Bad debt & placed for collection & skip Comments : CHARGED OFF ACCOUNT
I opened a Line of Credit with Chase on XX/XX/XXXX. This was part of my retirement financial planning. I XXXX XX/XX/XXXX. Since that time I have continually used my line of credit and also took out a Reverse Mortgage. In a letter dated XX/XX/XXXX Chase advised they were no longer offering personal Lines of Credit as a product. They said in the letter they understand access to credit is important to me. If they did understand, they would recognize the impact of this decision on XXXX. The alternatives they suggest are credit cards and a home equity line of credit. These are not viable options for XXXX. The interest on credit cards is prohibitive and not tax deductible. A home equity is also not an option for XXXX with a Reverse Mortgage. I understand discontinuing a product and/or a service. What I do not understand is Chases 's failure to recognize the consequence their decision has on their customers, especially XXXX. What I really do not understand is the decision not to offer existing customers the option of retaining their accounts. I have had this account for 21 years and now that I am left with no other recourse because I am a XXXX, they are " pulling the " plug ''. I find this decision not to " grandfather '' this product for existing customers, specifically XXXX, discriminatory
Hi I am Contact your company because the three major credit bureaus still have mycredit report all messed and and XXXX is deliberately reporting fraudulent accounts and it shows twice on my credit report, the fraudulent accounts are XXXX XXXX Reported : XX/XX/XXXX + {$420.00} Closed XXXX Reported : XX/XX/XXXX I keep writing asking them to remove it as you know I included my police report because this account does not belong to me and is fraud and I want it removed from my account at once. XXXX also is saying my credit information doesn't match information I sent which is another lie it's just a way they can keep reporting fraudulent information on my credit report. This has been going on for way to long please stop this company and there fraudulent activity and retaliation against me do to me reporting there company to your agency. I am gon na include my identity that they sent a letter stating that my information doesn't match. Also all 3 credit bureaus are reporting falsely on balances because I gave paid my balances down on all credit cards but they continue to report old balances.

These cards have been paid in full and I want balances updated immediately XXXX XXXX, XXXX These accounts that I'm about to list need to be updated because accounts balances are wrong on my credit reports as well XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX please update balances on all these cards at once. 
Also there are credit inquiries on my transunion report XXXX XXXX from XX/XX/XXXX this is fraud and does not belong to me and I want this credit card inquiries removed at once. 
+ XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online This account is fraud and does not belong to me and I want it removed off my report at once I am also attaching a letter from the bank that states that they have already made the credit bureaus aware but they keep displaying it on my reports in order to lower my credit score. My credit score should be almost XXXX at all bureaus but everytime I report there fraudulent reporting they lower my score for no reason. I want to also add that I am XXXX always pay my bills on time and this whole situation with these credit companies fraudulent reporting is stopping me from even being able to do simple things like moving. Please look into my credit report and make them report correctly and force them to remove accounts that do not belong to me.
I had XXXX traffic tickets when I happened to live into XXXX prior to moving to XXXX and I agreed to pay on a monthly basis payment. As a matter of fact, for some reason I have failed to pay a few months once I moved to XXXX; therefore, according to the XXXX Clerk office and Peen Credit I have been charged of some interest for skipping those unpaid months which made my payment debts piled up to $XXXX which was paid off by check in full through my Bank that is XXXX. Today the Penn Credit that is the debt collector office hired by the XXXX Clerk office denied completely this payment made by my Bank which the entity's representative had provided authentic documents to the Penn Credit Supervisor known under the name of XXXX as a result of conversation over the phone on XX/XX/XXXX at XXXX which was a conference call that involved myself XXXX, the XXXX representative and XXXX the Penn Credit's Supervisor. I'd enclose some relevant documents such as proof of payment, acknowledgement letter of the related debt and ID # of the Penn Credit profile account.


Subject: Acknowledgement of debt


XX/XX/2015

Room: XXXX

CaseXXXX

XXXX
XXXX

Subject - Traffic Ticket Receipts

Dear Clerk Representative,
Per a late conversation with one of your Clerk Office Representatives who stated based upon the XXXX Clerk records revealed that I have XXXX unpaid fines according to my court records. As a matter of fact, I totally acknowledge that I was cited for XXXX. However, I have to claim the paid traffic ticket which was made in the amount of $XXXX by myself to the XXXX Clerk Comptroller Office located to the address above. In addition, I have enclosed the receipts that I have had from the related bank for the XXXX traffic ticket which was evaluated in the amount of XXXX which was agreed under the defendant's consent to make a monthly payment of $XXXX. 
I would love to be reached by the Clerk Office in order to pay off any due payments and having some clarification regarding the XXXX fine that was paid.    
 
Sincerely,

XXXX
P	 XXXX
E-mail. : XXXX


(Penn Credit) ID number: XXXX
I hate the fact that I have to file complains on this one credit bureau that is always causing problems failing to comply and the representatives I get on the phone are rude dont listen have attitudes misrepresent the company, give false information and not realizing im documenting everything. THE REPRESENTATIVES ARE RUDE WHEN ASKED TO LOOK OVER A LEGITIMATE MATTER WITH LIGITIMATE FACTS ... 

I disputed a account with Experian recently a account called XXXX XXXX  XXXX THAT THE HAD A IMPROPER NOTATION LISTED FOR YEARS, INCLUDED IN BANKRUPTCY BUT AS WE ESTABLISHED THE BANKRUPTCY WAS NOT MINES THEY DELETED THEREFORE WAS SUPPOSED TO DELETE THAT INCLUDED IN BK ACCOUNT ... .instead what they did was they went in and deleted the notation and leave the account reporting all kinds of false information, to make matters worst they deleted a XXXX XXXX XXXXXXXX account but not the right account, the one that was supposed to be deleted is the one with a balance of {$810.00} the one they deleted was a positive account, this is the second time this month they have deleted a account but not the account that I actually disputed, they deleted the wrong account ... then the rep told me that the data furnisher made the decision to delete the positive account, which they sent me a letter saying they never made that request along with the lettter stating that they never list any account with them with a bankruptcy notation, so experian did that all by themselves, I have full paper trail ... the agent twisted her words on a phone call made today at XXXX eastern standard time, when she first claimed I disputed the account that was deleted, then when I challenged it she said the furnisher did it, which I know is incorrect ... they made me lose 30points on my credit they want to keep bad information thats not supposed to be reported and delete my good information and then be rude and not listen to me and not try to correct the error.. ACCOUNT TO BE REMOVED : XXXX XXXX XXXX ACCT # XXXX XXXX BAL : XXXX
Delinquent credit Obligations - I am repeatdly denied credit due to a credit history of 'delinquent credit obligations '.   Yet, my credit report always reflect that my creditors are paid on time ...   Please provide the solution to resolve this issue ; I thank you.     Please be advised that I DO N'T KNOW .... WHO or WHY the delinquent creditors are, just not logical.
In XXXX XXXX I was contacted by XXXX XXXX and informed that my account was overdue. The account had been set up on autopay previously and there are 10 years of on time payments to show for this. I immediately paid the balance due to the technical error of the missed auto payment and XXXX XXXX removed any associated late payment fee and agreed to pull this from my credit report as it was a technical error. XXXX XXXX my credit report is reflecting a 60 day past due balance for XXXX XXXX on XXXX XXXX - which does n't add up in the first place because it does not show a 30 day past due in XXXX XXXX. In fact, when looking at the attached statements, the charges in question were from XXXX XXXX XXXX and when you look at the XXXX statement you can see the payment was applied on XXXX XXXX XXXX, the day I was contacted by XXXX XXXX that this account was overdue and realized the autopayment had not gone through. I was told by XXXX XXXX when I made this last payment on XXXX XXXX that this would be not be put on my credit report and that the late fee and interest would be removed. When I pulled my credit report in XXXX I did not see the 60 days late marked on this account for XXXX, however it has now reappeared there and my credit score which had gone back up in XXXX XXXX has now come back down again in XXXX XXXX. This is the only blemish on my credit report and is directly responsible for the 120 point decline in my credit score. Upon contacting XXXX XXXX again XXXX XXXX XXXX about this issue I was informed that my balance is actually negative, that they owe me money, and yet they are reflecting this as a delinquent account on my credit report.