WillisBack/dataset-financial-user-claim huggingface dataset:
I have repeatedly made attempts to reach 1st Finl Invstmnt Fund to no avail. I want the incorrect information removed from XXXX, XXXX   and XXXX. I resolved all payments for medical treatment and the current account is incorrect. This is preventing me from applying for a home mortgage.
I tried making a purchase with my XXXX XXXX credit card tonight. The payment would not go through. I contacted my credit card company Synchrony and they said the account had been closed three days ago and I would be declined a new line of credit for at least 12 months. I received no notification of this happening. They said I should receive a letter in the next week. I have perfect payment history with this card a {$0.00} balance and my other open credit accounts and would like this account to be reopened with the same credit limit. It is two weeks before XXXX. I have not had this account even a year. I also have {$25.00} in store credit that I can not use without an open account.
Hi there, I reported several fraud charges on my PNC credit card to PNC bank on XXXX XXXX. The representative informed me that they will take care of the fraud charges and send me a new card. But I had a bill due approaching. So I asked the representative whether I can make the payment to my old card. He replied that I can't. And I need to wait until the new card arrives so that I can make payment to the new card for that bill. However, I haven't received the new card until past due day. A {$27.00} late fee occurred. I contacted them about this issue but this time, the representative said that I don't need to wait for the new card to make the payment. I can make a phone call to pay. This information was not disclosed when I contacted PNC earlier. I had no idea there is another option like that to pay. It is the PNC representative 's incorrect information leads to the late fee. However, PNC refused to waive the late fee. Please help me with this issue. Thanks.
Have a mortgage loan with JP Morgan Chase. When I took out the loan three years ago Chase stated that I would be required to pay PMI due to putting down less than XXXX % on the home. I recently contacted Chase to inquire about having the PMI removed and was told I would need to have a Chase approved appraiser complete a new appraisal of my home. After paying Chase {$450.00} for the appraisal Chase informed me that I have just over XXXX % equity in my home, according to the appraisal, but they would not remove the PMI. Chase now says I must have XXXX % equity in the home, not the XXXX % they originally informed me of. I filled a complaint with the XXXX, which made Chase open a case, reevaluate my situation. I was contacted my a Chase employee after the fact who stated my documentation signed at purchase does state the PMI must be payed until I have XXXX % equity in the home, but then states its not very clear, and that Chase will not remove the PMI. Chase has attempted to blame the investor, saying they now require XXXX % equity. 

Chase has mislead the customer and is refusing to remove the PMI from my mortgage loan when I have over XXXX % equity in my home, according to their appraisal and documentation Chase supplied me.
Greetings CFPB Team, I am requesting your assistance in resolving a Transunion account reporting, record verification and resolution notification concern. 

On XX/XX/XXXX, Transunion received by certified mail a Dispute and Removal request regarding a collection account from XXXX XXXX, XXXX for {$4900.00}. A request for Validation by XXXX XXXX, XXXX ; was sent by certified mail. The company never responded to the XX/XX/XXXX validation letter. Approximately 30-days later Transunion responded stating the account verified and no changes were required. 

On XX/XX/XXXX, Transunion received by certified mail a Method of Verification request advising XXXX XXXX, XXXX had not been able to validate the alleged debt per the Fair Debt Collection Practices Act. Therefore, the agency and bureau by law can not report a non-validated account. It was then requested of Transunion per the FCRA regulations they had 15-days from receipt to provide their full Method of Verification. 

On XX/XX/XXXX, I spoke with a Transunion associate by the name of XXXX that stated they had an open dispute and could not release any information regarding my file. He then advised the dispute would be resolved by XX/XX/XXXX. The associate was educated that my certified letter was not a dispute but was a Method of Verification.  Additionally, I cited that processing guidelines allowed 15-days from date of receipt to supply the documentation and information requested per the FCRA guidelines. 

The associate then advised, they did not have any documentation or information regarding what the collection agency supplied. He also stated they do not control what the collection agency/creditor sends to verify the account. 

As of today, XX/XX/XXXX, which is 8-days past the FCRA, stated guidelines and Transunion, has not provided a written response to the request. I have subscribed to the Transunion platform in order to monitor my credit file and as of today, the dispute Transunion opened has closed without a written notice. In addition, the XXXX XXXX, XXXX account continues to report despite their inability to validate the account as requested. 

At this time, I am requesting CFPB to hold Transunion accountable for the blatant disregard of fair and accurate reporting. They also have practiced gross negligence in opening a dispute in lieu of providing their original Method of Verification. 

Without the collection agency validating the reported information and Transunion not providing their Method of Verification, XXXX XXXX, XXXX must delete the alleged debt. I hope that this will resolve the issue to avoid utilizing the services of judicial system. 

Thank you very much for your assistance and understanding. 

Best Regards,
The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX/XXXX XXXX, Chapter XXXX Bankruptcy Dismissed XXXX
I receive a call every morning at XXXX Monday thru Friday from a company listed as Convergent resources by my caller ID and shows the number calling to be XXXX. The call is a Robocall that does not identify themselves and says that this is a Debt collection and I owe a debt ( which they do not provide information as to what debt I owe ) and then provides a different contact phone number to call back with.
XXXX has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX  was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
My old pay off Student loans All pay off XXXX XXXX loans And XXXX XXXX   Experience Three reporting companies Will not remove from my report all Account that are old and pay off And written off account are all pay
I received my XXXX 2017 monthly bill from a Bank of America credit card. The account balance was {$120.00}. The credit card has a cash reward program that I had a large enough balance to pay the bill in full. So, I applied {$120.00} from the cash reward balance to the account to pay off the full balance. When I checked my credit card balance this morning, I noticed a {$25.00} fee for not making a payment. I checked the transactions on the credit card and the {$120.00} credit was present, as expected, on XX/XX/XXXX, well in advance of the XXXX XXXX due date. 

I called the company and they refused to reverse the {$25.00} fee for a late payment. They claimed that applying the cash reward as a credit did not qualify as making the minimum {$25.00} payment. They pointed out this bullet that pops up when the cash reward is applied to the account as a credit : " You are still responsible for paying the Total Minimum Payment shown on your credit card statement. '' To me, that statement did not apply since I was paying the bill in full with the cash rewards. By the time the cash reward was applied, there were a couple more charges on the account for the next billing cycle. But those should not be applicable for the previous month 's bill. 

For reference, this is how the transactions appear online : XX/XX/XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX Type Bank XXXX - {$120.00} XX/XX/XXXX date : XX/XX/XXXX LATE FEE FOR PAYMENT DUE Type Fees {$25.00} I consider this to be a very deceptive practice by the credit card company. Therefore I am lodging this complaint.
I have been working with SPS on a Deed in Lieu of foreclosure since XX/XX/2015. I signed the intent to vacate agreement on XX/XX/XXXX and vacated the premises on XX/XX/XXXX. As of today, I have not received the Relocation Incentive as promised and noted in the agreement. I continue to get erroneous status updates. The latest is that the check has been issued and is awaiting Manager 's approval. This was the update on XX/XX/XXXX ... .when I called today, they informed me it was manager approved on XX/XX/XXXX but they are unable to tell me when the check will be sent. I am without a place to stay because I have been waiting on the incentive to put down on a new place. I simply need the check to move on with my life. I feel like I am being taken advantage of by the bank since I surrendered and vacated the property on XX/XX/XXXX. I call almost everyday and I get conflicting responses.
After paying off my Ally auto loan, they claim to have sent me my car title within 3 days of payoff but I have yet to receive anything. I kept checking the USPS website to see if it has come through yet but never saw any correspondence from them. After more than a month passes I call them again to request the title and they confirmed that they do not have the title so they can only send me a lien release letter which means I have to go through the trouble of filing paperwork for a duplicate/lost title that costs upwards of {$95.00} or more here in Illinois. As I do not believe they ever sent me a title after after speaking with them over the phone I kindly request assistance in what my options are in this matter. I have been researching this online and it appears this has happened to other people as well. Thank you for your time and consideration.
Navient pr eviously allowed borrowers to apply over-payments directly to specific loans. Their new website requires me to email them each month with specific directions on how to apply the over-payment. If the company was sincerely interested in helping students repay loans in the most fiscally responsible manner, they would not make the correct process so cumbersome. I have contacted them multiple times over the last few years about this issue. Their most recent response - " Unfortunately, we are unable to predetermine how future payments will be applied to an account. If you want extra amounts from your payments applied to a specific loan, you will need to send an email request after each payment has posted to your account. ''
XXXX and XXXX are both alleging that the Portfolio Recovery account reflected on my credit report is accurate and verified. The inaccuracies listed below : *The account type listed for XXXX is factoring data and collection on XXXX XXXX reflects a past due amount of {$480.00} and XXXX reflects XXXX *XXXX  reflects payment history as ok from XXXX ; XXXX reflects no payment history *The account number differs among the 2 bureaus *They are allowing Portfolio to list 2 different names among the bureaus for the same account These inaccuracies alone are grounds for removal. Additionally, in my communication with Portfolio, if they indeed own the debt, they did not provide any credit card agreement forms, a mere statement does not validate the amount alleged to be owed. XXXX did not provide a comprehensive accounting ledger of the account.
In XX/XX/XXXX I mailed dispute letters for the negative items on my credit report to be investigated. After applying for internet services through century link I was told that their was already XXXX count opened at another address but I didnt live their so I provided a copy of my military orders to show to century link and was told to check my credit for other items. After viewing my credit in XXXX XXXX  i have over 90 credit inquiries and most were from fraud so I got a police report through XXXX XXXX Kansas police department located outside XXXX XXXX Kansas. I faxed it over to the burea on XX/XX/XXXX at XXXX at the box and ship located in XXXX XXXX Kansas . At the time I had credit repair companies fixing my credit which was XXXX XXXX XXXX XXXX XXXX XXXX. They both submitted the police report and I received letters stating it was added to my report but whenever I call the three bureas I dont get an answer. They told me it was under investigation and the link they provided doesnt work its always unavailable. Ive tried contacting the companies from which the inquiries came from but they dont keep records was what I was told from representatives.
The account was for a security system. XXXX Account XXXX I tried to pay the amount owed, however they said it had been turned over to Southwest Credit.  When I contacted Southwest Credit they said they did not have a file on it. 

So I tried again to pay XXXX Account XXXX. I have emails that I sent attempting to pay. I also have screen shots of where I attempted to pay online, but was they would not take payment. 

I was contacted by someone from Southwest Credit after a couple of weeks of not being able to pay XXXX directly. 

I told them I would pay, if they would change the negative report. The lady with Southwest Credit was extremely rude, and I told her that I would pay the amount but I wanted the negative information on my credit taken off since I attempted to pay before it was turned over to the Southwest Credit agency. It took them over two weeks to even verify that they had the file. 

This was for a XXXX security system that we have never used. The salesperson told me that we could cancel at anytime, and that it was a two year contract. XXXX was a 5 year contract ) I could not see the small print, so for that I am at fault for trusting the XXXX representative. 

I am unable to add the screenshots and emails from your website. The dates were XX/XX/XXXX through XX/XX/XXXX. I was not contacted again by Southwest Credit, for 2-3 weeks after I contacted them  regarding the file. They said they did not have file during this entire time, and XXXX would not take payment because they said they had turned over to Southwest.
Filed a dispute for prepaid damaged goods I received. I submitted 13 exhibits to the credit card company with my dispute to back up my position of the damaged goods produced and delivered by the merchant. I have proof of the upload of those exhibits, I also notified the credit card company that they had an extended warranty policy attached to the use of their credit card use by the consumer which I relied upon and thus used the credit card with confidence due to that feature. 
Credit card company provided a temporary credit and subsequently ruled in my favor with the right of the merchant to appeal their decision. I was notified that any documentation the merchant provided would be sent to me and that arbitration if required would take place The credit card company reversed the dispute initially in my favor stating only that they received documentation from the merchant. They did not provide copies of any documents they stated they would. They claim that I only uploaded 3 exhibits, although I have proof of the 13 uploads on their platform. 
Those so-called missing exhibits were critical in establishing my claim of damaged goods including the acknowledgment by the merchant of the poorly produced and defective product. 

The credit card company made a reversal of the dispute without considering the facts and without extending my right to appeal and view the documents submitted by the merchant. They also indicate that their extended warranty policy was terminated and no longer offered to the users of their credit card. 
I indicated to them that they were required to provide me notice of that change in terms or policy which they never did.
On my Transunion report, XXXX account and XXXX inquiries were removed and reinserted into my credit file on XX/XX/XXXX. I was not notified of the reinsertion within 5 business days as required. I have spoken with the Transunion special handling department on XX/XX/2017. Id would rather not have to file a lawsuit against the credit bureau to get this corrected.
Our son was involved in an automobile accident. Which XXXX sent them a check for the car. It was also covered by GAP Insurance. Ally Auto has refused to work with us. This has been going on for 5 months now and the car is NOT paid off. Everything we call the department they say is handling the account we are told it is not there. On XXXX XXXX, 2016 the insurance company mailed a check out after they were told that they were issued the letter of guarantee. As of Friday, XXXX XXXX, XXXX XXXX does not have the Title and the loan is still not paid off. Ally repossessed the car sometime, not even sure when at this point. It was deemed a total loss. When I called Ally Auto in XXXX the Account was in the Total Loss Department. I advised them that they had the car. The account was n't even documented that they had the vehicle. We can not get any one to work with us or to even return our calls. They have not even attempted to contact us. As of Saturday, XXXX XXXX, 2016 we have received our XXXX letter stating Ally is going to sell the car at auction. They are aware that it is an insurance claim.
Amcol Systems Inc -Medical {$1800.00}, reported XX/XX/2017 Amcol Systems Inc-Medical {$520.00}, reported XX/XX/2017 This is a grossly inflated dollar amount at an Emergency Room/Urgent Care facility, not a hospital that I was charged. I was NEVER able to get a detailed statement of the charges and DID NOT see a doctor. I could NEVER get a true explanation of why the charges were so high.
All my student loans were consolidated on XX/XX/XXXX by 'XXXX ', now known at 'Nelnet ' XXXX At that time, and at no time ever after XX/XX/XXXX did 'XXXX ', now known at 'Nelnet ' or did any other lender that my loans were sold to i.e. XXXX, XXXX XXXX contact me, inform me, or make any attempt at any time to offer me other types of loan payment options, or payment types. Additionally, all the above lenders nor did the any agency of the federal government ever inform me post XX/XX/XXXX of the passage of legislation related to the P.S.L.F. ( Public Service Loan Forgiveness Program. Today, XX/XX/XXXX @ XXXX Hours I called Nelnet XXXX and I explained my predicament, and they replied, " Hope the information we gave you helps, good luck! ". I have already applied, and been denied for the P.S.L.F. twice that I do qualify for as I have never missed a student loan payment, made over 120 payments, worked for a not for profit for over 10 years in a full time capacity. I also qualify for the new T.E.P.S.L.F. ( Temporary Expanded Public Service Student Loan Forgiveness Program, and am working with my Congressman XXXX XXXX to resolve this. I have authenticated the transfusion over over 250,000 blood products into patients over my Public Service Career. Not getting my student loans forgiven is a disgrace. ( I have attached no documents because their are none and nothing to submit-'Nelnet ' or did any  other lender that my loans were sold to i.e. XXXX, XXXX XXXX contact me, inform me, or make any attempt at any time to offer me other types of loan payment options, or payment types ). Congressman XXXX XXXX 's office will be acting on my behalf you can also correspond with them as well as me.
I received an e-mail on XXXX/XXXX/2017 with an actual loan approval contract indicating that I was approved for an {$8000.00} loan with Prosper. I called the number on the contract and I was told that I had been approved and that they needed more information before the monies would be deposited in my bank account. I was hesitant because I had been denied by various other lenders for a loan because of poor credit. The number that I called was the number that was on the loan agreement.. ( XXXX ) XXXX. They told me that they were based in Florida and that the Corporate headquarters was in XXXX XXXX. I told them that I would get back to them and that I had not made the decision to accept the loan at that time. I went on the internet and looked at the Prosper website. On the website Prosper had XXXX number not a XXXX number and I called the XXXX number. Prosper told me that they had not approved me for a loan and that most likely this was fraudulent. I told Prosper that their Company name was being used to create fake loans obviously. As it stands, I have not signed the contract. The folks at the XXXX call my number 5-6 times a day and leaving messages. They are constantly harassing me. I have attached a copy of the loan agreement from them
The Department of Education forgave all of my previous ( prior to XX/XX/XXXX ) student loans due to XXXX. The monitoring period was from XXXX XXXX through XX/XX/XXXX, with XXXX of those loans having a monitoring period that extended to XX/XX/XXXX and XX/XX/XXXX, respectively. Therefore, the " Date of Status '' being reported to the credit bureaus ( XXXX, XXXX and XXXX ) should not show any activity beyond XXXX XXXX. Nor should a " recent balance '' stated, or implied, appear as though the accounts continue to have a balance owing. Furthermore, the " Recent balance '' should be shown to be " XXXX. '' This is not the case. 

Nelnet Inc, the student loan administrative arm for the Department of Education is reporting inaccurate and misleading information to the credit bureaus ; thus, distorting my credit score and worthiness. This has resulted in lost of credit and job opportunities, and has affected my finances negatively. 

The accounts that show under student loans, include : Department of Education, Nelnet Inc, and XXXX. All of the student loans were transferred to the Department of Education ; and, ultimately forgiven. Nelnet Inc, the administrative arm of the Department of Education, oversees student loans and any forgiveness of such loans. Reporting of such loans is also handled by Nelnet for the Department of Education.