WillisBack/dataset-financial-user-claim huggingface dataset:
In   XXXX   XXXX   XXXX    I ca lle d to make my payment the same way I always do through  BMW 's  automated system. I received no notification whatsoever that the payment was n't processed un til  X/X/17  and ul timately was reported by  BMW to the  credit bureau that my payment was 30 days late. The notification I received  on  XX/XX/XXXX  specific ally addressed my   XX/XX/XXXX   payment, not the   XX/XX/XXXX   payment, however the balance showed  two payment s were due and I immediately called to address this. Upon speaking with the representative, she researched and confirmed that no attempts had been made to notify me and provided me with an address of where I could send a letter to have the 30 day late removed. I was promised this would be corrected. I received a response to my letter advising that no adjustment would be mad e. BMW claims that 5 attempts were made to notify me via email of the late payment. This is an   outright fabrication, as the representative immediately confirmed to me at the time that no such notifications were sent. Again, the only notification I received was  on  XX/XX/XXXX  addressing my XX/XX/XXXX  payment  and at that point the account was already 30 days past due. Furthermore, she confirmed that my expressed preference was to receive notification of any issues with my payment via phone and additionally confirmed that no attempts were made to contact me. I have financ ed   XXXX   differe nt vehicles and have never missed a payment on any of them. This company did not honor the promise that was made to me after their own representative confirmed I was not notified of the error. Addition to their deceitful response, it is completely irresponsible to report a customer to the credit bureau without making A SINGLE ATTEMPT to notify them by phone and rely on emails that could easily end up in a spam folder, despite that their own employees have already verbally acknowledged that this did not take place. Previous complaints ( not through the CFPB ) have gone unresolved, with the creditor stating it is not their responsibility to inform the client that the payment was not received.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN : XXXX | XXXX : XX/XX/XXXX Equifax XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX Dear Equifax : Im writing to dispute the following incorrect information on my credit report. The items I dispute are on the attached screenshots of my credit report. 

Incorrect Personal Information Previously disputed.

- I am requesting that you delete this inaccurate inquiry from my Credit Report immediately and forward an updated copy of my Credit Report after you have corrected this information. 
- By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 
Unrecognized/ Authorized inquiries previously disputed. I know ask for your method of verification for these. Either furnish proper verification or delete these immediately. 
- I am requesting that you delete this inaccurate inquiry from my Credit Report immediately and forward an updated copy of my Credit Report after you have corrected this information. 
- By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 
Lastly, be sure to include the name and address of the Company or individuals who were directly contacted in regards to this matter. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete XXXX, XXXX XXXX XXXX
Recently signed up for  XXXX   XXXX   XXXX  around  XXXX    XXXX  . Upon the people at   XXXX   XXXX   XXXX   XXXX  checking out my debt at  Paragon  they was able to remove  one account from there records but not the other account. I received a letter from Paragon Collection Agency stating they are validating the debt by sending me a medical bill that does not show my actual signature on this bill that they submitted to an insurance company. This is not validation of the debt as it does not show a signature on this documentation that they provided but instead, it seems to violate HIPPA laws as they should have t his information.
I contacted All XXXX credit reporting agencies via email, fax and online disputes regarding a dismissed and discharged bankruptcy on my report as well as XXXX XXXX and other agencies to remove the bankruptcies from my reports. As of XXXX XXXX, 2017 with the new law that came out, bankruptcy should not be on my report because it does not include the information as allocated by law being my name, date of birth AMD social and according to my bankruptcy court they do not disclose public information to credit reporting companies..after several attempts, disputes and efforts. It still has not been removed and this is clearly a violation and inaccurate information.
I have a car loan with Well Fargo Auto. They call me and my wife sometimes up to two times a day for each of us looking for our payment. We are not behind and pay out bill with extra every month. You talk to one of their reps and the next day they call you again after you talked to them or someone with the same names. I do n't feel that they should be able to harass you like this on a daily basis, when in fact we make our payment each month.
TransUnion placed a fraud alert on my credit report without my authorization. I called to have them remove it, they asked me 2 security  questions to verify my identity which I answered correctly. Their supposed system said I answered incorrectly and now I have to send in all this paperwork to verify its me. This is so ridiculous.I emphatically deny asking for a fraud alert.They should not be allowed to do this without my permission.Please tell them to remove this immediately and to stop XXXX  around with my credit report.
A while ago I applied to the XXXX Credit card which has a annual fee of XXXX dollars (1st year waved). I was not using my credit card as much as I originally thought when I first got it, so I decided to downgraded it.I called in before the annual fee was charged and was told by the costumer service representative that I needed to wait a full year and to get the annual fee posted so that they can downgrade my credit card to one with no fee, and not to worry about the annual fee since they could reimburse it or waived when I downgraded the card.So I follow his instructions and called in on XX/XX/XXXX (2 days after the annual fee posted) to downgrade my account. I asked once more if the annual fee was going to be reimbursed or waived and they told me the fee will disappear in a couple of weeks.Today is XX/XX/XXXX and the fee hasn't disappear. I called in and I was told they could do nothing about it and that I was my fault and I should be held responsible for that. So basically I paid XXXX  dollars for an annual fee of a card that I was able to use for less than 2 days.I feel like I was deceived twice by their costumer service representatives by misrepresenting information and now I have to pay for that. They costumer service representatives are really poorly trained, they misquoted their terms and conditions in every single interaction I had with them.
I have written and written Equifax to get inquiries off my report that were NOT authorized by me and even submitted a police report to that fact. They respond with " please be more specific with your concerns by listing account names, and the nature of the dispute '' THIS HAS TO BE A GAME, BECAUSE I STATED THAT I WAS A VICTIM OF IDENTITY THEFT AND GAVE THEM A LIST OF ITEMS THAT WERE NOT MINE AND A POLICE REPORT TO BACK IT UP. Is this something they do to just delay consumers from a reasonable investigation? It appears to be a game and I do n't think it 's funny as I am a VICTIM of identity THEFT and they are playing stupid!
Worked out an agreement with American Express to make payments on a balance and they told me they would not report the account to credit bureaus monthly as late payments during the payment agreement but they report as 180 days late for over a year when making payments as agreed.
I have an account with Pay Pal. They have frozen me from viewing my account due to a disputed charge.They have refused to resolve the dispute and have informed that I would have to pay to get access. 

I have made multiple attempts to do as they ask and they are not responding. I have messaged customer service and called multiple times and have been placed on hold for hours and disconnected. 

They are also not sending me statements and are continuing to draft payments from my bank account. I have no idea if payments are being posted, how they are being posted or what activity is going on on my account. I had promotional interest free purchases that I have not been allowed to review and pay there by incurring interest. 

I believe it is unfair that I am not allowed to view my account or receive statements
My daughter, age XXXX, brought me her phone after returning home from school. She said " somebody wants to talk to mommy '' It was a very unprofessional woman asking for personal information. I instructed my wife to not give any information to the woman and end the call. The woman abruptly ended the call and called by 15 seconds later ( for the 5th time in the same day ) - I instructed my wife to give me the phone and I attempted to get her name and employee number. She refused to give me her name and employee number. I asked to speak to her manager, at the agents advice, but Again was rebuffed. She literally said " I can see your intelligence '' after repeating my demands several times. She abruptly ended the call once again.
Chase has closed my card ending in  XXXX  after filing disputes with them for t  he 2nd time in two months today.
Earlier on I pointed out that Chase went on the record lying about the status of several disputes &   then contradicted the earlier finidngs. I have attached the letters for your review and the proof of returns associated with the  XXXX  dispute.   Documentation was sent to the online chase.com customer messgae center and the content of the letter from phantom employee "  XXXX   XXXX  '' was an attempt to deny the disputes.   I want copies of all documentation this ghost used to arrive at " his/her/gender neutral '' opinion and the money refunded to the balance immediately.   As me balance is in dispute these bandits are preventing me from paying off the account.
I closed my account with AAdvantage Mastercard on XX/XX/XXXX. After closing my account, and paying the final balance, I set my email notifications from AAdvantage to my junk mail. In XX/XX/XXXX, I saw a bill in my junk mail from them for {$150.00}. I did n't know what it was for so I called them. They said after I closed my account they received another charge on the account for {$15.00} and processed it. Over the next few months that turned into {$150.00}. They said they 'd escalate it to remove the charges. They called me back XX/XX/XXXX, and told me I would have to pay the full amount. They said there was a loop hole in the law that allowed them to accept that charge. I was upset, but I did n't think there was anything I could do, so I payed the balance. I saw another email today with charges from AAdvantage after I canceled the card, and paid the closing balance twice. I want to make sure these guys do n't do this to anybody else. Although my first charge is unethical, as was communicated to me on the phone by their representative, it it within the law. This second charge is illegal. I do n't like when companies take advantage of consumers. This has taken a lot of my time and money to resolve. AAdvantage is acting illegally and is taking money in bad faith.
Ive been having trouble with Wells Fargo Dealer services, since 2013. I paid this loan off and they put on my report as a charge off and then for the past 5 years, Ive been trying to pay the amount they say I owed " {$310.00} '' and they wouldn't ever let me pay it. After years ans year of calling the customer services I finally talk to someone that wanted to help me, because they have my title and the lady on the phone says that they will send me a lien release and that the account is too old to pay. Its been very frustrating. I would like all of the Charge off and late pays removed from my file. I do have the lien realease and now I have to go request a new title and spend more time on this.This information is incorrect. 11- 30 day lates, 2- 60 days, 4- 90 days and 28 CO 's. I dont have a problem paying the {$310.00} they say I owe them. I want to get this resolved.
wells fargo bank are lieing cheeting XXXX, XXXX XXXX in cahoots with judge XXXX XXXX county court, XXXX florida, usa court reporter got paid of and dissapeerd, no file? 5 year case over in 4 mins max, judge would not look at proof paymants XXXX form of proof acount in credit also co signed insurance check held by bank, my solicitor at the start of this case faxed and telephoned wells fargo cheat XXXX ceo, that there were no missed paymants and sent the proof to the court? Why has the CFPB not looked in to the court case were it is clear proof that all paymants were made and cashed by wells fargo bank this bank has been fined for fraud and falsifying documants crooks? CFPB why have you not looked into the court papers i have all the originals in paper form no matter how long it takes i will prove that wells fargo bank have committed fraud and perjury in a usa supreme court and that is for comittal for XXXX ceo [ crook ] and judge XXXX magistrate XXXX [ crook ] i have just recieved a pack of all doctered paperwork from wells fargo, they have not answered any of my numerouse question by saying, We are unable to provideany information because my questions were to broad? this is a deliberate act to cover up a act of fraud and perjury committed byXXXX XXXX ceo, i demand that the CFPB and FBI investigate this crook, he will be prosecuted in court it will come the letter pack recieved to my XXXX home dated XXXX XXXX 2016 this is XX/XX/XXXX cfpb complaint case against wells fargo bank in vestigate XXXX XXXX ceo, then you will find out what a crook you are dealing with in the mortgage world, you will never be able to move on untill this man has been prosecuted in XXXX supreme court and any body else whom helped him recieve his fat salary check .i demand him to be brougth to justice, this man has ruined XXXX familys lives in the usa i will not stop reporting this crooked bank thanks XXXX
Hello, On or around the date of  XXXX   XXXX ,  2017 , I received a notice from my credit report monitoring company th at Deville Asset Management had  placed an account on my file with a balance of  XXXX . I have not received any documentation or debt validation from  Deville Asset Management nor have I received any phone calls stating that this debt belonged to me. I have also submitted a letter to  XXXX  to have this item removed.    I have been researching this company and I have found out that they are NOT BONDED with the State of Texas therefore they are unable   to collect on this debt. This item must be removed from my credit reports.
I also have documentation from the Secretary of State website showing this company is not bonded in the state of Texas
i had three checking accounts with navy federal credit union the first time I made a claim my ex boyfriend had someone call into the bank pretend to be me and order a new card and used to it get my money then I filed a claim the bank gave me the money then took it bank then they closed that account .the second account is still open my ex tried to XXXX  me and my kids I had to leave my home I left everything behind he used my debit card called the bank as soon as I found out the bank told me its my fault and the denied my claim and told me to go ask my ex for the money back
I am writing to dispute an accounts fraudulently opened in my name. The name of the account is XXXX XXXX XXXX. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to this account. 
I request this account be deleted immediately as a resolution to this long awaited matter. Its been years and all I get sent from the copy is a signed contract which proves nothing as anyone can sign my name and statements which also doesnt proof owner ship. The account was opened fraudulent! 


According to federal laws you are required to provide undeniable proof that this debt is valid. A fair resolution to this issue would be complete deletion of this negative trade mark being reported to all major credit reporting agencies. Thank you for your assistance
Navy Federal Credit Union is still reporting my vehicle loan as late for 90 days. I paid this car off XX/XX/2014, so I am not late on this, and upon payment, they stated they would delete this off of my credit profile since I asked for this because derogatory information was showing on my profile. They performed a " bait and switch '' just to get my payment. I paid them in full, and they are reporting my account late. They need to remove this off of my credit profile or at least remove any late payment history they have for me.
Discover loans have been sending me letters for me to apply for a loan different loans. 
I than tought of accepting a loan and apply as tjeybbeen sending me lentes that Im pre approve which are nothing but lies and I found out after 2 or 3 days after. When I apply first they sent me a notification that I was qualified for XXXX as I check my rate without having to harm my credit score and everything was going so well and mostly would approved me. 
They ask me to submit a document which was a utility bill I sent a XXXX  electricity bill to them and it was verified and accepted so far so good everything was going right and well today i spoke to a guy and said to call them so they can finalize my loan and get ready to go than he ask me to call since he could not do that thhru a chat live online. 
So I called and ask to speak XXXX because I speak more XXXX than English. But the representative said everything was going well and that they needed to proceed and pass the information to someone higher than a representative so they did as I mention them I wanted to know the answer because they have taken sweet time and I had other lenders who were offering me other loans as well but since I am A member of discover and have a fantastic relationship with them and have a excellent credit score and credit history they denied me the loan for no reasons I believe they have discriminated me and denied my opportunity to get the loan of XXXX why would they accept me first and than denied me st the end. Wen everything was almost done and verified. 
That is an insult and I have great and excellent credit my credit is XXXX or XXXX with others credit bureaus. I am very sad and disappointed at discover and will never ever ask them for a loan and will make sure they dont play with peoples feeling and making them think they got approved while they denied you at the end for no reasons.they always say a different story regardless.
Four issues : 1 ). Low scores on XXXX ( " Poor '' ), Experian ( " Fair '' ) and XXXX ( " Fair '' ) made it impossible to be approved for refinancing credit card loans. Low scores caused by using credit cards during a period of high medical bills. It is ABSURD and WRONG to be penalized in your numeric-score for using your credit cards up to your approved credit line! 2 ) Accounts reported as being in collections. Insurance paid a fair amount for ambulance services and reports to all three credit bureaus for excessive fees as being in collections have damaged my scores. 3 ). There is no ready way to include in a credit bureau report items being challenged. 4 ) complete lack of transparency in how scores are calculated or even which numeric score is being reported.
I submitted a complaint to CFPB ( XXXX ) and XXXX denied the allegation and were snide in their response as well, I might add. Per XXXX 's letter dated X/XX/2017, 'We respectfully decline to request any changes to the information provided to the credit reporting agencies '. To this I reply, " XXXX, you are not at liberty to decline. It is the law that you delete the information per The Fair Credit Reporting Act and the State Attorney Generals Office of Consumer Affairs, because it is not accurate information as you purport. '' You are not truth telling when you state in your letter that you are reporting in a consistent and accurate manner to the agencies. I have attached, and have hard copies, from the three different credit bureaus to prove that you in fact have been reporting different balances and payment histories to all three agencies, to include wrong/different reporting for the month of XXXX  2017. Ill regardless of my payment arrangement, that I made a payment on today, you must delete the account as I am requesting by law, as you have violated credit reporting laws, and refuse to obey and delete. '' In your letter you mention a {$100.00} difference you credited me in the total remaining balance on my settlement agreement as the reason for the credit agencies having different totals, etc. The difference you are reporting to Transunion and XXXX is a {$2700.00} difference. And the XXXX  difference in comparison to what is being reported to XXXX is $ XXXXYou XXXX , suggest request that I contact the Credit reporting agencies regarding discrepancies. You contradict your earlier statement of, 'XXXX is merely a furnisher of credit information, and not the agency, and has no control of the contents of credit history maintained by the agency. ' You are the original reporter and must request that they delete this inaccurate/inconsistent account from all three agencies. I did not say delete my payment arrangement, I said delete this account off my record as is your responsibility to me the consumer, per fair credit reporting laws.
i was charged an excessive amount of fees on my account and im not sure why i was charged these fees my account seem to be comprimised and i sent a message over to a online rep and was told that they were going to reverse the fees but im not opted into any overdraft courtesy
I am filing a complaint against Aim Loan. On XXXX XXXX, I scheduled a mortgage payment to process out of my checking account on XXXX XXXX. I did this at Aim Loan 's online mortgage website. On XXXX XXXX and XXXX, I tried to cancel that payment, but I could n't find anywhere to do that online. On XXXX XXXX, I called Aim Loan, and their offices were closed. On XXXX XXXX, I called Aim Loan and got through to customer service. I was informed that I could n't cancel or change the appointment because it was " outside of the change window. '' I asked what the change window was and was told that I had ONE HOUR ( after I scheduled the payment ) to change or cancel that payment. Nowhere on the website ( as confirmed by an Aim Loan supervisor ), does it tell me that I had only ONE HOUR to change or cancel that payment. Had I known that, I would n't have scheduled that payment. The supervisor told me that the only way I would have known that is if I 'd called and asked. I called my bank to stop the payment, and it 's {$20.00} to do that. I will pay it, but I should not have to since there was no information about the ONE HOUR. Also, I have no idea if Aim Loan will also charge me. Please let me know how to proceed.