WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I accidently sent a check made out to an individual to Capital One. After the individual did not get the check I realized the mistake. Capital One processed the check that I had made out to the individual for {$1500.00}. Keep in mind that I have a loan with them but the payment is only {$370.00}. I am not understanding why they did not send the check back to me or even notify me of the error. This raises questions as to the practice they use to handle funds especially those that are not made out to Capital One. Check # XXXX was made out to XXXX XXXX.for {$1500.00} on XX/XX/XXXX and processed at Capital One on XX/XX/XXXX. This should have never happened and the fact that I was not notified alarms me. Perhaps an audit should be done!
I reached out to TransUnion by Certified Mail Ltr # XXXX that they received on XX/XX/2018. 

Enclosed in this letter was a request to verify the bankruptcy being reported on the credit file associated with my Social Security number. 

I also provide a letter from the United States Bankruptcy Court from the XXXX XXXX of Georgia. This letter indicates that bankruptcy court does not report to the credit reporting agencies. 

TransUnion has failed to state or prove how they received this information, which was in the request that they provide proof of. They just updated the " court type '' on the report versus removing it. If I understand the FCRA, it states in affect that if the bureau can not provide verification of the disputed item they must delete it. 

Also, it is not indicate in the response from TransUnion of this dispute if and why the PACER system would have been used to access information on me that the courts themselves have indicated they do not report.
I have multiple accounts on my credit file that Equifax refuses to remove, even though I have proof that from the companies that they have sent letters stating to remove from my credit file, which I will upload below, and Equifax has not done so. 

XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1400.00} These XXXX XXXX accounts appear on my credit file twice, I have a letter stating that the first XXXX XXXX account is a closed version of the second, and the second letter states that the second account must be removed, so the first account must also be removed because it is a version of the second account. 

XXXX Bank XXXX {$6200.00} XXXX XXXX XXXX XXXX {$1500.00} The XXXX XXXX XXXX XXXX {$170.00} These accounts must be removed and Equifax is in violation of the law because they have refused to remove them even though the companies have given the OKAY to have them removed from my credit file. I have also added my ID, SSN, and proof of address for processing. Thank you
XXXX XXXX 2015, Good Morning Attorney General, My name is XXXX XXXX XXXX, I am a senior Citizen, on XXXX! XXXX 2015 i gave written notice to the Management of the XXXX of my intention to terminate my lease at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
I was advised that there would be a early termination fee and i gladly accepted to pay it. 
Once i moved out, i verified that they indeed had my forwarding address, they advised me that i would receive a bill in the next few weeks. 
Yesterday i received a phone call from a collection agency named IQ DATA INTERNATIONAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX, they claim they own the debt forwarded by the XXXX apartment homes. 
I never received the bill, they forwarded the balance due to the collection agency directlly without giving me the opportunity to pay it. Furthermore the collection agency refuses to send me a DEBT Validation per FDCPA, XXXX the collector claimed she dose not have to send XXXX to me. 

Can you please help me resolve this issue? 

Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXCA XXXX
I was behind on my XXXX XXXX credit card in XXXX before my new due date i caught all my payments up and paid XXXX on my report it said ok for my XXXX payment until I made my XXXX payment now XXXX says 60 days late
I purchased an XXXX laptop at the XXXX store using my XXXX credit card. I was informed at the time of purchase that the promotion was 18 months with no interest. They only gave me 12 months with no interest and them charged me the interested owed.
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX SS # XXXX Dob XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX I have XXXX closed accounts my closed credit card and my secured loan see info below, that are not displaying correctly on my Transunion Credit report, this is hurting my good credit history. 
Please update my Transunion profile with these XXXX accounts ASAP. 
Thank You XXXX XXXX XXXX XXXX XXXX Other XXXX XXXX, XXXX Closed {$0.00} Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX XXXX XXXX Account Type Line of Credit Account Status Closed - Paid and Closed Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit {$20000.00} Term -- Monthly Payment -- Responsibility Individual Account. Balance {$0.00} Highest Balance {$19000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XXXX XXXX, XXXX Amount Past Due -- Times XXXX/XXXX/XXXX Days Late XXXX Remarks Payment History. 
. 
XXXX XXXX XXXX Other XXXX XXXX, XXXX Closed {$0.00} Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX XXXX XXXX Account Type Secured Loan Account Status Closed - Paid and Closed Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit -- Term 60 Months Monthly Payment {$260.00} Responsibility Individual Account. Balance {$0.00} Highest Balance {$13000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XXXX XXXX, XXXX Amount Past Due -- Times XXXX/XXXX/XXXX Days Late 0/0/0
On MondayXX/XX/XXXX I called Consumer Portfolio Services to make a payment arrangement for the past due amount on my auto loan. I explained the circumstances and was directed by representative to follow up with my account representative by Thursday. On Tuesday XX/XX/ I received several calls throughout the day and was able to answer a call in the evening from Consumer Portfolio Services. My account representative named XXXX spoke with me regarding my account and asked me to share with him why I had fallen behind and etc ... I expressed the situation again and my intentions to pay. After being placed on hold twice, I was transferred to someone named XXXX ext XXXX who basically had me repeat the same information over, XXXX spoke to me in a very demeaning and harassing tone. I asked to be transferred and then spoke with someone name d XXXX ext XXXX and then XXXX XXXX. I asked to file a formal complaint with XXXX. She said she would speak to XXXX regarding the incident. 
On Wednesday XX/XX/ I called Consumer Portfolio Services to make some changes to a  payment on my account. After speaking to the first representative, who verified my account information and then immediately said she wasnt authorized to handle my account, placed me on hold without further explanation, someone named XXXX came to the line asking me to verify account information with him, at that point I asked a general question and XXXX refused to answer the question and had a very smart tone with me. I asked to be transferred and the representative after him explained everything I needed to know. I have become anxious and irritated in my business dealings with Consumer Portfolio Services Representatives due to these experiences. I would like to file a formal complaint.
I sent a dispute to equifax for XXXX. THis account has a a XXXX balance for 1 year and it still shows XXXX balance. 

Equifax came back and updated the account to 120 days late. How can a account that has a XXXX balance be 120 days late as of XXXX 2017. 

I have attaced XXXX credit reports showing this acconut has maintained a XXXX balance and it needs to be corrected showing current and removal of 120 days attached is current and previous credit reports showing XXXX balance
When I checked my state of Michigan refund status 2 days ago it stated that my refund was offset by a third party and my refund went from {$1200.00} down to {$300.00}. So I contacted the state refund number and was referring to the collections who I was able to speak to yesterday XX/XX/XXXX. When I asked who was taking my refund they informed me that it would be going to Midland Funding because they were able to get a judgement from the XXXX district court in XXXX, MI back in XX/XX/XXXX. I don't know this company for one and secondly I was never notified of any lawsuit or court dates or anything necessary in order to appear in court to defend myself. I don't understand how this company can get away with this. I have filed complaints with Michigan Attorney Generals office and Michigan Tax Payer Advocate on XX/XX/XXXX. Before this I was told I could try to file a motion to set aside judgement but I may not get a court date before my refund is released to the company.
Ditech ( formerly Greentree Servicing ) has repeatedly called my place of employment, harrassed secretaries, and requested to speak to my boss. Moreover, callers have called siblings, cousins, and even elderly grandparents to ask for contact information ( which they currently have ). In each instance, the caller from Greentree and/or Ditech have stated that they are representing my Mortgage company. Additionally, each time that I have spoken to the caller, she is rude and occasionally curses. I have often requested to speak to a supervisor ; however, the caller has refused and at times has hung up on me. These calls typically start if I am more than five days late for a monthly payment. 

Ditech ( formerly Greentree ) uses unprofessional tactics, and I feel that the individuals who work for this company have been harassing not only me but also my family and my co-workers.
Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint because your company failed to provide the required notice of additiona l required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) (  iv ).   The lender as of  XXXX / XXXX /  XXXX   has stated the file is deemed complete and has been submitted for review with the underwriting team - The lender is in violation of Dual Tracking laws since that are refusing to postpone/hold the sale set for  XXXX / XXXX /  XXXX   -
RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
I made the max contribution for XX/XX/XXXX of {$3300.00} to my Bank of America Health Savings Account ( BoA HSA ) on XX/XX/XXXX. That amount was taken from my checking account on XX/XX/XXXX. I checked after 5 weekdays ( the typical time for processing ) and the transaction was still pending, which I attributed to the holidays. I rechecked the next day and the transaction was gone. I looked under help tickets on my account and found that BoA had opened a help ticket which stated that my account was closed XX/XX/XXXX due to inactivity and since it had been more than 180 days, they would need verification that I still had an HSA-eligible insurance plan. To my knowledge, I was never informed of the account closing. Also, I was able to make the contribution as I always had in the past-there was no flag on my account that it was closed. Regardless, I contacted XXXX, my insurer, to get BoA the info they needed. The XXXX rep was on the phone with me for over an hour as we tried to resolve this situation with BoA. After listening to multiple BoA reps, it seems the confusion is that my account was set up incorrectly in XX/XX/XXXX, listing XXXX as my employer rather than my insurer. To reopen my account, they want an email from XXXX verifying my employment and insurance plan. Both I and the XXXX rep explained to multiple BoA reps that I have an individual policy with XXXX because I am self-employed. I am not now nor have ever been employed by XXXX. Neither I nor the XXXX rep seemed to make any headway with BoA ; nevertheless, the XXXX rep faxed a letter indicating my HSA eligibility and we were told it would be taken into consideration but they still needed the employer verification. On Friday, XX/XX/XXXX, I spoke with a supervisor with BoA HSA and re-explained the situation. She verified that I was listed as an employee of XXXX and said that she would elevate my help request to critical status, meaning it would be addressed within 24-48 business hours. She also stated that she would call today, Tues-XX/XX/XXXX, with a status update at minimum. I assured her of my appreciation for her assistance but also let her know that I would be filing a complaint with CFPB if there was no follow-through as promised due to the seriousness of the situation. As of XX/XX/XXXX CST, I have received no call. I checked my account online and all my help tickets were listed as " resolved '' and under account balance " no record found '' is notated. I have initiated a help ticket of my own on the BoA site and am now filing a complaint with CFPB as BoA HSA is holding my funds in the amount of {$3300.00} without any notice or plan for resolution. In addition, due to their error in setting up my HSA account, I am currently being blocked from utilizing it in order to process past medical claims that I have paid directly.
Sending me bills for an unverified debt. I sent a letter by certified mail in XXXX of 2016 request validation of debt, a breakdown of amount owed, and proof of my signature from the provider giving consent to release my medical records. 

The only thing I received in return was the amount that 's owed and where to send the money to. The debt was never verified per my request.
XX/XX/2016 the amount of the Debt is XXXX. Talk to a woman 1 time and told her that my insurance paid for that. Even the lady at the office said my insurance was taking care of that. If I would have known that my insurance wasnt going to take care of it I wouldnt have never went through with the process.
There is a company called XXXX XXXX XXXX their number is XXXX ext XXXX and fax XXXX. This scam company acquired my mobile number and work number. A woman by the name of XXXX XXXX called claiming that I owed a pay day loan back in 2009 for Check N Go. I dealt with the original creditor Check N Go and cleared my name and identity due to Identity Theft. The original creditor was sent a Police Report & validation letter that was notarized and a letter from my attorney at the time. XXXX XXXX XXXXf XXXX XXXX XXXX XXXX read off the last XXXX digits of a social security number that IS N'T mine. She started to read a current address that was obtained only 1 1/2 yrs ago as well as phone number obtained only XXXX XXXX ago. She said she found my information through a system called XXXX XXXX. I told her I have been a victim of Identity Theft and I have an attorney. She then put me on hold to speak to their Identity Theft Department. A gentlemen by the name of XXXX XXXX came on the line. He then started to prob me, I told him I am late and I do not have time to revisit the same material as I did with XXXX XXXX. He gave me a fax number to send my information too. I also never received a letter from the original creditor nor did I receive a letter from their company XXXX XXXX XXXX XXXX of proof of debt validation. There were no documents involved, just messages left at my place of business and mobile, along with harassing and probing communications.
Vital recovery makes repeated phone calls during the same day. I have asked them to stop. Today they made phone calls back to back, two minutes apart. This is harassment!
I recently looked at my credit reports and noticed that XXXX XXXX/XXXX reported negative marks 30 days past due as of XX/XX/XXXX, XX/XX/XXXX on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time.
According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance.
Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
In short, I never received such a warning notice!
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.
I attached a copy of the law and the actual document from the federal reserve
Credit card solicitation to MINORS by AIRLINEs thru their Frequent Flyer programs. 
I complained to XXXX and XXXX, but than had to file a complaint to CFPA, and now those have stopped ( I think? ), but other airlines are doing the same. They should verify the AGE, before making these postal mail attempts.
What Happended My wife and I have an auto loan from American Honda Finance Corporation. 
corporation. The CFPB and the DOJ recently resolved an action with American Honda Finance Corporation. The action stated that XXXX borrowers were paying higher interest rates than white borrowers. Honda was required to pay {$24.00} XXXX in restituion to affected borrowers. My wife is XXXX. When is CFPB going to send us our portion of the settlement?
I recently filed a complaint with the CFPB about a fraudulent account that was being reported on my credit reports for XXXX and Equifax, which they have actually removed. However, a residual issue exists with that complaint. 1. Equifax has not readjusted my credit score from when the account was reported on my Equifax credit report, which the day before the fraudulent account was placed on my credit report, my Equifax score was XXXX. After the fraudulent account was placed on my Equifax credit report, my score dropped XXXX points. Equifax has removed the fraudulent account, but my score still remains at XXXX.
2. XXXX has not readjusted my credit score from when the account was reported on my XXXX credit report, which the day before the fraudulent account was placed on my credit report, my XXXX  score was XXXX. After the fraudulent account was placed on my XXXX credit report, my score dropped XXXX points. XXXX has removed the fraudulent account, but my score still remains at XXXX.
3. XXXX never reported the fraudulent account on my XXXX credit report, HOWEVER,  XXXX adjusted my credit score with them based on XXXX and Equifax reporting a 'new collection/major derogatory account '. Consequently, my credit score with XXXX dropped from XXXX to XXXX. ***Seems something inherently wrong with XXXX dropping my credit score with them based not on what was being reported on my XXXX credit report but rather what was being reported by the other XXXX reporting agencies****. Regardless, neither Equifax, XXXX or XXXX have re-adjusted my credit scores to reflect that the fraudulent account was removed, which is resulting in higher interest rates for car and personal loans.
I opened the checking account with HSBC and was approved on XX/XX/2018 under the promotion that I would receive a bonus of {$350.00} for depositing {$10000.00} for 90 days. I deposited to money on XX/XX/18 and have kept the money in it. I have fulfilled the terms and the bank didn't pay put the bonus. It has been almost 3 months since I fulfilled the terms
We received and letter fro m Citi d  ated   XXXX   XXXX  2017 , s tating the account has been closed, for possible unauthorized use, and a new account number, upon approval. We than receive an invitation letter fr om Citi to re-apply an Citi A/A Advantage st ating that we would receive the mileage with additional  XXXX  mileage, if we spend {$3000.00} within the first three mont h. When I apply for the credit card it on   XXXX   XXXX  2017 , we received an letter from Citi stating the credit privilege are currently restricted. But never stated the account has been declined. As of today, we still have not receive an official response from Citi in reg arding to this matter.
I submitted dispute to XXXX and XXXX and Equifax all the same day XX/XX/2018 - it was not until I complained to you I ever got any correspondence from Eqifax. They did not respond to me in the required 30 days so they MUST TAKE OFF THE NEGATIVE INFO AS REQUIRED BY LAW FOR NOT GETTING MY DISPUTE RESULTS TO ME TIMELY. It was not until I compalined to you the they even sent an email and then I could not even open the darn thing. Equifax you XXXX.
Re : XXXX XXXX acct. # XXXX and XXXX XXXX XXXX  acct. # XXXX Dear Sir or Madam, Your company received notification from the following credit bureaus ; Experian, XXXX, and XXXX  explicitly stating that I am a victim of identity and that debts incurred with your company are indeed fraudulent. You were sent copies of an identity-theft report filed with the federal trade commission along with an sworn identity-theft affidavit from all three credit bureaus. Unfortunately, these debts are still being reported on my credit reports. Having debts reported that I am not responsible for shall be deem as defamation of character and considered inaccurately reporting debts to consumer reporting agency 's. With that being said, you are in violation of the FAIR CREDIT REPORTING ACT and FAIR DEBT COLLECTION PRACTICES ACT. Continuously, having debts reported that I DO NOT OWE is a misrepresentation of my true creditworthiness. Failure to removed these debts within fifteen days from my credit report ( s ) shall lead to complaints filed with the XXXX XXXX XXXX and a class action lawsuit for various violations of the fair credit reporting and the fair debt collection practices act as follows reporting inaccurate information, defamation of character, and punitive damages for receiving unfavorable terms on loans due to your reporting of inaccurate information on my credit report ( s ) Thank you.