WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Consumer Financial Protection Bureau, I am making a dispute against Synchrony Bank/XXXX XXXX  for making a hard inquiry I just noticed on my credit report. I was provided a pre-approval offer letter in the store and when I specifically asked if this would affect my credit as a hard inquiry, I was told that it would be a soft inquiry. However, there was nothing soft about this inquiry. This hard inquiry, along with a few others, has in fact ravaged my credit score, causing my credit score to plummet. Being that I was considering getting a mortgage loan in a few months, these hard inquiries will not look good to bank and other lender on my credit report. Had Id known that this would be a hard inquiry, I would have never done business with this bank.
Chase calls me 15 to 20 times a day. They use different numbers. Sometimes they use a local number. My phone blocks them all but they still get through to my voice mail. They just wo n't stop even though I have demanded they do so.
The Delaware Department of Transportation obtained the services of Professional Account Management, LLC ( " PAM '' ) to collect a alleged debt from me. Despite multiple dispute responses, PAM continues to harass with me threatening letters and telephone calls. On countless occasions, I have disputed the validity of the debt in its entirety and PAM continues to ignore my signed, written responses. PAM is violating the text and spirit of the FDCPA.
I was recently denied an application at XXXX XXXX in XXXX. They used a rental check service from http : //www.on-site.com/renter-relations/. Their website claims that renters can obtain a free rental report by submitting a form on their website. I have submitted a request on XXXX XXXX and XXXX. I have not received any form of communication relating to my rental report. 

I have tried using their live chat who said that they could n't help and recommended that I call their phone lines. I called their phone lines and have waited over 45 minutes 3  times without getting anyone on the phone. This company has given me a XXXX rental rating which in turn is making it hard for me to apply to apartments. There is no way for me to communicate with them to see what is on my rental report so I have a chance to dispute if there are any inaccurate reporting. 

I have attached email confirmation of my request for rental reports.
I don't understand why once again USAA XXXX XXXX XXXX ADDED the following comment BACK under my VA mortgage loan with regards to a Natural Disaster that has not happened to my residence nor area. This is once again being submitted as well to my insurance company and FEMA. 

I do not understand why additional false reporting is being done by USAA XXXX XXXX XXXX after each complaint I file to the CFPB. There is a serious issue and pattern of misconduct going on and I need answers. I need this ONCE AGAIN REMOVED from my credit report. 

Also per last complaint to the CFPB, I need all payments be reported to the credit bureaus so I can move forward with my personal bank taking over my loan to refinance since this issue seems to never be resolved per XXXX XXXX, refer to USAA XXXX XXXX XXXX taped phone conversation. 

Here goes ANOTHER CFPB complaint. 


Sincerely, XXXX XXXX Updated Account Information USAA/XXXX XXXX - Remark Added to Account Remarks are meant to make your report more clear. If you're not sure what this remark means or where it came from, you can contact your creditor or the credit bureau for more information. 
Between XX/XX/2018 and XX/XX/2018 the following remark was added to this account : Affected by natural disaster
Borrower is able to reinstate the loan and has asked Ocwen for a 30 day extension but Ocwen is refusing. Borrower does not want to file BK because he knows he can reinstate but just needs a couple.
XXXX  's c lient  XXXX   XXXX   XXXX  is an identity theft victim. His information was used without his consent to apply for a SYNCB/Walmart account.  Two formal disputes o f this inquiry have been submitted to SYNCB/Walmart however the inquiry is still being reported to  XXXX .
Im receiving 4+ calls a day from various numbers from the same company. When I answer, there is no one on the other line sometimes for at least a minute and after Ive said hello many times, then I hear a click and someone asks for me. I answered again today and they didnt identify themselves but I said to stop calling me. I called back to see what the recorded message says and it says CBE group. They never leave a voicemail, and continue calling back to back.
I ( XXXX XXXX XXXX ) tried to close my Delta Gold American Express b/c of the annual fee of {$95.00}. I stopped using the card. I called nearly half a dozen times to request closure. Amexp kept giving me the run around, trying to keep my acct open. Finally a male supervisor in XXXX said he would reverse the {$95.00} and call me to follow up within 72 hours. That was XX/XX/XXXX or XX/XX/XXXX. Never happened. 

I called again on XX/XX/XXXX, and spoke to XXXX. XXXX opened an XXXX complaint to Corporate to remove annual fee. XXXX # XXXX. This is what she told me she wrote : XXXX basic card member called on XX/XX/XXXX to cancel her card product. XXXX was outside 30d window. supervisor based in XXXX would remove annual fee and call in 72hr to confirm No call was placed and annual fee was not removed. Due to that effect it caused a late fee and finance fee. XXXX paid balance in full minus the {$95.00} based on what the supervisor told her. 

It is now XX/XX/XXXX, and Amex seems to have turned my card to collections. 

My husband XXXX XXXX is going through the exact same thing!! We tried to close his account b/c of the fee. He stopped using the card months ago. Amex tries to talk him into keeping the acct. He asks for a downgrade to a free card. None available. Amex claims that they ca n't reverse the annual fee for XX/XX/XXXX even though we have n't used the account since the fee was assessed. Moreover, we stopped using the account months before the fee was assessed. 

AMEX does this every single time. We have never experienced this with any other bank. Then Amex tries to charge late fees and interest charges based on the annual fee alone!!!!! This is unconscionable.
Experian continues to report erroneous information on my credit report and will not allow my dispute to be processed. XXXX has removed these accounts as they were deemed fraudulent. Experian has violated the FCRA by continuing to have this information on my report remain. The following accounts are not mine and no proof has been provided to show they are my accounts : XXXX XXXX # XXXX**** XXXX XXXX XXXX XXXX XXXX XXXX # XXXXxxxx
My husband and I terminated our lease early and incurred move-out costs and early lease termination costs as a result. I called the apartment management to get a balance and was told we would receive a bill shortly. Two weeks later we receive notice from a debt collector ( FCO ) telling us we owed {$2500.00}. I agree that we owed {$1100.00}. XXXX, however, the apartment complex did not account for a payment we made to them in the amount of {$1300.00} on XXXX XXXX, 2016 ( prior to our move-out ) and did not include this payment.
I have previously submitted a complaint regarding this matter unfortunately I wasn't able to follow up on it on time. 

Both XXXX and Experian have been reporting inaccurate information on my report.. 
The are listing an Account with XXXX XXXX and a second one with XXXX as being good standing and pay as agreed when it's not the case. 
The account with XXXX is not mine and was fraudulently opened. I have contacted XXXX probably 10-15 both personally and via regulating agency without any success. 
The Account with XXXX XXXX is legitimately mine ; however they never reply or acknowledge any request to help assist how the fraudulent charges were committed in order to assist me with filing a police report. 
I have contacted both reporting agency multiple without any success, Both agency are claiming that I am paying on those account which is also false. The last time I make any charges on payment on the XXXX XXXX Account was probably in XXXX or XXXX. and the Account with XXXX is not mine. 

I spent hours initiating dispute with XXXX online only to find out at the end that this service is currently unavailable and I always end up sending everything by certified mail. I am requesting that both agency investigate this matter seriously and remove the incorrect info from my record. 

Also there are numerous discrepancy with my Mortgage payment history since XX/XX/XXXX, always payed my Mortgage ahead of schedule I have also provided both agency with a payment history regarding this matter.
Portfolio Recovery constantly contacted me about debt owed to XXXX XXXX and XXXX although I told them not to. Also they reaged the debt and rudely informed me that I would have to pay or else. They said they would continue to ruin my credit. I was coerced to pay it and was promised that the items would be deleted from my report. The items are still listed on there although I have disputed them. One of the supervisors was also really nasty to me over the phone.
I went to school from XX/XX/XXXX-XX/XX/XXXX, was injured at work and had to drop out. I was off work for a XXXX and went back to work in XX/XX/XXXX. They started garnishing my wages and took all of my refund money. I now have a descent paying job and they keep selling my loans to other companies and charging me 25 %. When I pay the 25 % off they sell it again. I borrowed around 50k and paid off at least 25k and still owe XXXX! The current owners of my student loans are XXXX XXXX XXXX , XXXX and XXXX XXXX , XXXX . Previous owners include XXXX XXXX and Ascendium. The only company whom I was able to get ahold of for my balance was XXXX XXXX XXXX. These companies are making it literally impossible to pay off student loans! When I am being garnished {$800.00} per month I cant afford an extra payment, not to mention when I try to call them, the put you through 5 different people and send you to a voicemail that never responded back! Please help! My credit score has already been destroyed and I cant even get a mortgage for a house!
XX/XX/2017 I reached out to XXXX XXXX XXXX XXXX concerning an improper delinquency past 30days hit my credit and decreased my score by almost 90 pts. I have spoken with three agents and a young man. No one could given me any documentation to show what is going on to support the past due amount. The company stated I had missed a payment last year in which why would you wait 8months later to contact me. The manager would never return my calls and I still have to get this resolved for my home purchase.
Upon obtaining my annual credit report, I requested a debt verification from all 3 credit bureau in regards to a charged off account from XXXX XXXX XXXX that was listed on my report. I sent an e-mail to XXXX XXXX XXXX on XX/XX/XXXX for verification as this was an unfamiliar account that I had not seen before on my credit report. I received no response back the same week however on XX/XX/XXXX, I received a letter from XXXX XXXX XXXX. I had hoped that the letter would provide any documents to validate this account however, the letter simply stated what was on my actual credit report and only listed when the account was opened along with when the account was charged off. 

Per XXXX XXXX XXXX letter, the account was opened on XX/XX/XXXX and was charged off on XX/XX/XXXX. The letter also stated if any inaccurate information was listed, that I should contact the XXXX credit bureaus directly to dispute and resolve. 
With that information, On XX/XX/XXXX, I sent a notarized letter requesting validation on this account listed under XXXX XXXX XXXX to Experian, XXXX & XXXX. After sending the letters, I received no response back in 10 days. I decided to write a follow-up letter to all 3 CRA on XX/XX/XXXX requesting validation of account once again. As the days went by, I received no letters back from any of the CRA so on XX/XX/XXXX, I sent another follow-up letter requesting validation. Keep in mind, this was my 3rd attempt in contacting the credit bureaus in hopes that I would get any sort of answer back to assist in this issue. 

On XX/XX/XXXX, I received a letter each from both XXXX and Experian. Below is what was listed on the letters that were sent to me XXXX = Stated that they are currently processing my previously submitted dispute and will not be conducting further investigation into this particular account at this item. 

Experian Did not provide any documentation but rather just listed terms and explanation on how the verification process works. I had already sent them 3 detailed letters requesting validation however this was the only letter I received from them. 

XXXX  As of XX/XX/XXXX, I have not heard back or received any answers via mail, e-mail or telephone.
XXXX loans I consigned with XXXX XXXX ( nephew ). 
I have set up repayments for XXXX loans Loan NumbersXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX. I have the payments at twice the minimum amount due to pay loans off asap. 
Bill pay is set up to be received on due date, on XXXX 2016, I recieved a letter stating loans are past due. I called XXXXNavient to see where the problem occurred I spoke with a disinterested employee who told me my payment was late. I escalated to a supervisor who seemed to be equally disinterested in understanding the issue and simply said he would waive the " late penalty ''. 
I called Navient back with my bank on XXXX XXXX and spoke wXXXX who seemed only interested in telling me that he understood, yet I was still late and my payment of {$100.00} was split between XXXX loans. Did not seem to care or hear, although I repeated myself about 10 times that over the last four months I have sent them a total of {$1200.00}, yet they are only crediting the loans with {$400.00} payments, accuring interest and late fees. My bank has sent NavientXXXX with proof of payment, yet I just got off the phone with " XXXX '' who seems to be a reject from the IRS, who kept repeating his Scriptnot acknowledge anything I had to state ... but was sorry for my frustration and continued to ask me to repeat my self. 

I want, IN WRITING, a letter from NAVIENTXXXX an accounting of payments made on these loans and the interest charge on any " outstanding balance '' and late payments removed from these loans, PLUS I want credit for my time to correct this, I make {$25.00} an hour and have spent 3 hrs spinning my wheels with these less than professional employees.
I have a Chase credit card, and have it for 8+ years. I always pay my statement balance in full, and therefore am never charged interest. However, this past month, I did not pay my full statement balance. This left a difference of {$140.00} subject to interest charges. However, on the following month 's bill, my statement said {$820.00} was subject to interest charging. 

I called Chase to get an explanation. They could not provide an explanation, but credited my account for the full amount of interest I was charged. This makes me worry that Chase -- a large financial institution with a history of deception practices -- may be overcharging consumers. I consider my knowledge of finances to be above-average. But I fear that the typical consumer would not raise any issue, and then be overcharged for interest they should not be paying. 

I would appreciate someone investigating this potential abusive practice.
On Tuesday XX/XX/XXXX, I called XXXX XXXX twice in regards to changing my billing date so I would have the sufficient funds to make the payment. I talked to a regular worker for customer service and then I requested to talk to someone higher up and she gave me the same answer the previous employers told me. The latest date that they could change it to was the XXXX. I am unable to make the payments at that time because I will not have the funds to cover that amount until I receive my second paycheck for that month and the following months to come. I have been told that there is a grace period of 15 days until I am notified that I am late on the payments.The suggested that I make the payments past the due dates and it wont be marked as late. My mother, the co-signer, does not have the funds to help with the payments each month and I am in the process of trying to have her released as the co-signer. Consistent on-time payments is a large factor that is looked at when deciding to release the co-signer, and since XXXX XXXX is not willing to work with when I can pay the amount and is suggesting to make the payments past the due date, they are ruining my chances of having her released.
1. on XX/XX/2015 BOA charged me {$35.00} twice on a single {$12.00} order of checks! BOA must have waited until my bank account was low enough to charge XXXX dollars! 
2. On three separate occasions, BOA charged me {$35.00} twice for ONE transaction when paying my mortgage over the phone. being a couple of hundred dollars short of a {$1200.00} mort. payment plus the {$19.00} service fee,, BOA could have charged me for only the greater amount instead of both, totaling {$70.00} dollars for one transaction! 
XXXX. In the last three months, BOA collected over four hundred dollars in service fees! 
XXXX. The D.O.T. has taken their payments three times, without my consent bouncing, costing me XXXX dollars. I owe it so I ca n't say anything. Just another reason why I 'm low on funds. 
XXXX. I believe BOA computers are programed to their best interest, always greater in their best interest and not the consumer. 
I ASK the CFPB assist me in returning funds in the amount of {$140.00} from BOA for they have taken $ {$400.00} dollars knowing I receive around $ {$1000.00} electronicly in my checking account every week!!
I need to submit yearly income documentation to my student loan servicer, Nelnet, to recalculate my income based repayment. Nelnet told me I had a specific deadline by which to complete this. However, they had set a different, earlier deadline, which if I had not submitted by then, they would switch me to a standard plan and capitalize all of the accrued interest. I know that switching from IBR will capitalize interest -- however, I submitted the required documents by the deadline they told me. But they had capitalized my interest a few weeks before that.
Dept collection agency called XXXX are attempting to collect a dept from me which I am not owing and they reported that to my credit even with out proper investigation to know if the dept is mine or not. I disputed that through EXPERIAN CREDIT REPORTING AGENCY but they kept reporting same to my credit. I contacted EXPERIAN CREDIT REPORTING AGENCY after so many attempt I made to contact the collection agency XXXX. but Experian said all the information they have on file concerning the dept was collect even when they did not do proper investigation. 
The dept which XXXX TRYING TO COLLECT FROM ME IS A FLAUD FROM THE ORIGINAL CREDITOR. 
I rented an apartment from the Original creditor XXXX, but a month after I rented the apartment the roof collapse and I could not use the apartment anymore after so many attempt I made contacting the XXXX to come and fix the problem, they ignored me despite I still pay the rent for the apartment even when I was not making use of the place. They ignored fixing the place until I moved all my belonging away from the apartment since it was becoming health hazard. But two month after I moved out I received a letter from a collection agency called XXXX stating that I was owing some money from XXXX who ignored fixing the collapsed roof of the apartment I moved out from. 
the XXXX did not even do any investigation to know if I was owing such dept or not. I attached the copy of the letters I sent to the apartment management XXXX BE FOR IMOVED OUT FROM THE APARTMENT THE CREDIT BUREAU SHOULD WORK WITH THE COLLECTION AGENCY XXXX TO TAKE SUCH FAULES STATEMENT OFF MY CREDIT FILE
My recent credit report showed a collection account from XXXX. I reached out to XXXX and filed a complaint and provided evidence that the account was settled in full. XXXX responded and indicated that the cancelled checks payable to XXXX were endorsed by NCO Financial and XXXX was never paid ; hence, the collection. Please see attachments of cancelled checks and correspondence from XXXX.
We had recently signed up with First Data to process credit cards. On XXXX/XXXX/16 we ran XXXX transactions totaling {$25000.00}. After a week, the money was still not debited to our bank account. I called customer service who directed me to risk management. After several days of calling and leaving messages, I reached XXXX who said they had closed our account because the phone number she had for us did n't work. She said they could not re-open our account and the money was in a holding account. I asked how we could get the money out of the holding account, and she finally said she would refund the money to the customers. After a week went by and the customers had not received refunds, I started trying to reach XXXX again ( as well as her manager ). On XXXX XXXX she finally called me back and told me the computer would n't let her refund the money, so she was going to try to process it through to us, but she needed copies of the invoices with the customer contact information to do so. I emailed them to her that same day along with a request to acknowledge receipt of them. I have not heard back from her since, despite leaving messages with XXXX and her manager nearly every day since then. They are still holding the money.
My name is XXXX XXXX and i have filed a dispute in accordance to Section XXXX of the Fair Credit Reporting Act allows the credit reporting agencies 30 days to complete their investigation from the date on which they received the notice if not process within or notice to given requesting extension the derogatory info must be removed. However I have several disputes that are 45 days old and no answer.
Jefferson Capital Systems , LLC knowingly violated the FCRA by placing XXXX collection accounts withXXXX and XXXX credit bureaus. Jefferson Capital Systems, did this without proper notification 30 days prior to reporting the XXXX accounts to the credit reporting bureaus. I never received notice such action was being implemented.
I filed a request to correct 1. Account appearing inaccurately on XXXX and XXXX. XXXX XXXX fixed it in days equifax hasnt fixed it and their status page wont load because of errors on the page. So I cant check on what they found or concluded and they dont reach out with an update.
2. The last time I found errors I had to email the ceo to get any attention but it would be nice if they made sure the information was right or would correct it themselves.
Venmo refuses to provide me access to my funds unless I send personal information over email. 

I recently changed my telephone number, and the only way this company says they can verify the account is if I send them a photo of my identification via email. Per the FTC, email is not a safe way to transmit personal information, and Venmo has refused to provide any other means to verify. I asked if I could fax, call, use a webform, perform an email verification or other way to verify, and they refuse. As a result, I do not have access to the money sent to me.
Every time I try to get my annual credit report online, I some how get a " technical error '' and have to mail in the forms. There is no way all 3 bureaus have an issue. They are  making it harder for me to get my information. This is frustrating, against the law and I wo n't stand for it.
capital one credit card was connected to checking acct. until CAPITAL ONE CLOSED BRANCHES.I clearly asked them not to go OVER {$1500.00} on limit, by calling CST CARE. I was fine paying Monthly under {$70.00} and now am getting PAYMENTS of over {$210.00}!! That '' s almost half of my MORTGAGE House payment. I work XXXX hours daily and DO NOT have time to call and wait for assistance on 30 min. Lunch.All I do is by text or EMAILS. I know I OWE the card. But, am single and with no EXTRA help, and feel I should file BANKRUPTCY if Credit card payment is that high! i would like to stay with PAYMENT of {$65.00} as ALWAYS. I don't understand, when I hardly use card, how it went up so high