WillisBack/dataset-financial-user-claim huggingface dataset:
Apparently in 2010 Discover Card was successful in getting a judgement for a debt owed by a XXXX XXXX - presumably a Credit card. I am XXXX XXXX XXXX I own property in State of Washington XXXX a lien for this debt was placed on my property. I do not now or ever had a Discover loan of any type. I am appalled that a Company through its attorney can place a lien on my property without due process. XXXX County Judgment is XXXX. I suspect the judgement and legal proceedings were served to the rightful XXXX XXXX but this individual does not owe the property that is being was lien. Atty on the complaint are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX WA XXXX This is all the information that County records gave me. I found out about this issue as it is creating a problem for me in refinancing my home.
Almost ten years ago I heard about the Federal Student Loan Repayment Program for government employees. I immediately called my servicer to enroll in the program. At the time I was advised by the servicer that I was enrolled in the wrong repayment plan and that I needed to switch plans. So I switched from an income based plan to a 20-year repayment plan based on their recommendation. This had no effect on me personally as the payments were the same in my particular case. Every couple of years I called and checked on the status of my loan and even submitted the necessary paperwork to update my employment status. This past year I called to enquire about the status of the filing paperwork which I had been assured would be available when I had completed my ten years of payments. At this time I was advised that I had been enrolled in the wrong repayment plan for the past ten years and no longer was eligible for the program unless I started making payments for another ten years! Not only was I in the wrong plan but according to my new servicer if I had stayed in the original repayment plan I would qualified! I can not express the anger that I felt that I had been relying for ten years on a benefit that I was not longer eligible for! I was even more alarmed to find out that this is not an unusual circumstance. Of the handful of friends that I have who also qualified for the program, over half spent years making payments that were ineligible based on advise from their service providers! I have no idea what my rights are in this situation but I feel like at a minimum the servicer should face a penalty and other people should be made aware of this issue.
Collection Consultants of California. I asked them to remove the old medical debt on my record because it violated HIPPA and it was beyond the statute of limitations to collect. They still tried to collect on it. I told them they could no longer do that and asked them to remove the debt. They refused. They, in turn, have updated my credit report stating the debt is only a month old, when the credit report shows they opened the account back in 2013. They have also stated they could not get a hold of me, when they wrote to me with my new address. I have all documentation. It is illegal what they are doing. I have reported them to the Attorney General of California and I'm waiting to hear back from that office.
Short sale occurred. XXXX. Credit report shows short sale, but we are being turned down by XXXX XXXX as they are showing foreclosure, and saying XXXX of the XXXX credit bureaus are showing it 19 months ago not 32. We are renting and our lease is up soon and now we may be without a home due to a reporting error that Bank of America did.
I applied to several XXXX postings at XXXX and one of them was from XXXX XXXX XXXX. The first email I received was XXXX XXXX 2017 from an email XXXX saying that it was tough to decide on the select group chosen for an interview because they received so many good resumes and that I was one of those selected for an interview. <P/>I was asked to add XXXX XXXX ( XXXX ) on the XXXX XXXX platform to undergo the interview process. According to them, she was an HR recruiter for XXXX. This XXXX person gave me all the duties and responsibilities of the position and asked me if I could handle the job duties if I were being trained towards it, I responded by saying yes, then she proceeded with interview questions. Once we finished, she said to check back by XXXX the following day via the XXXX XXXX platform for the decision. The next day they said I was chosen. <P/>I received another email from XXXX congratulating me for becoming part of their company and they attached an offer letter. <P/>Then they emailed me a check {$3000.00}. on XX/XX/2017 with instructions on how to deposit it via mobile through my bank Bank of America, and that I was expected to cash {$2800.00} of it and deposit to a XXXX XXXX account the following day to a person named XXXX XXXX XXXX who is the vendor in charge of sending me the training materials for pre-training. I believed it and so I did, I also thought that since Bank of America made the funds available the next day, then it was a legitimate check. On XX/XX/2017 they emailed me another check for {$4000.00}. and from there I had withdraw and deposit {$3900.00}. for more materials. <P/>OnXX/XX/XXXX. I went to what I thought was my first day of my internship at XXXX and the security guard could not find my name in their system. I was told that I was actually scammed and that they were very sorry this happened to me, and that someone also got scammed that same morning. <P/>I went straight to the police station and made a police report, I also contacted Bank of America but they are not cooperating with me regarding my situation. Instead they withdrew my checking and savings accounts to pay themselves back from the fraudulent checks. Now I have negative status on my account of - {$6200.00}. Additionally, Bank of America flagged my account to be closed XX/XX/XXXX which is not the standard time to close an account.
XXXX has been non-compliant with removing the unverified account SANTANDER CONSUMER U Opened Date XX/XX/2015 which has been deleted by XXXX  and XXXX. XXXX   and XXXX  have both completed their research and determined that SANTANDER CONSUMER U 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 response letter was untimely pursuant to FCRA 623 ( a ) ( 8 ) ( E ), which in accordance with FCRA 611 ( a ) ( 1 ) ( A ) would have required Discover to report the results to me WITHIN 30 DAYS from the date of receipt of my notice which was XXXX XXXX, XXXX. Discovers response was mailed to me on XXXX/XXXX/XXXX, which is well outside of the 30-day requirement as prescribed in the following FCRA laws. It appears that Discover received my second dispute notice on XXXX/XXXX/XXXX and attempted to respond to that by backdating it to XXXX/XXXX/XXXX in attempt to appear compliant with the law for the initial dispute. Discovers act of deception was still out of compliance because Discover mailed it outside of the 30-day window for the first dispute, and Discover committed fraud in  the process. 
623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) SEE BELOW* within which a consumer reporting  agency would be required to complete its action if the consumer had elected to dispute the information under that section. 

* 611. Procedure in case of disputed accuracy [ 15 U.S.C. 16 ( a ) Reinvestigations of Disputed Information ( 1 ) ReinvestigationRequired ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
XXXX XXXX, a cell phone provider, inaccurately reported to the credit bureaus, a cell phone account balance in the amount of {$89.00}, that belonged to somebody else. XXXX XXXX agreed to remove the negative credit item from my credit reports in XXXX, 2014. The representative for XXXX XXXX was XXXX, Badge # XXXX, who I spoke to at XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX did in fact delete the original credit item in XXXX, 2014. Please refer to the XXXX dispute results, dated XXXX XXXX, 2014. However, XXXX XXXX reinserted the previously deleted information through XXXX XXXX XXXX XXXX, XXXX in XXXX, 2014. Please refer to XXXX report # XXXX, dated XXXX XXXX, 2014. This action taken by XXXX XXXX one month later violated our agreement that the disputed cell phone account was not mine. XXXX XXXX XXXX XXXX XXXX has responded to me that they do not delete inaccurate, previously deleted credit items. XXXX XXXX, to date, has refused to voluntarily correspond with me regarding this matter. 
I have suffered personal damages due to being denied credit during this period of time. These damages are a direct consequence of XXXX XXXX ' civil tort against me, by inaccurately reporting negative credit information, agreeing to delete the inaccurate credit information, and then subsequently having XXXX XXXX XXXX XXXX XXXX reinsert the negative credit item under my name. XXXX XXXX XXXX XXXX XXXX is also liable for unlawfully reporting the previously deleted negative credit item under my name, and failing to remove it voluntarily. 
I request that CFPB investigate this matter thoroughly, and penalize these offending parties for not acting justly, and in good faith, to restore my good credit, and failing to abide by the terms of our agreement.
I was in receipt of a notice from Bank of America 's attorney of record that my home was in foreclosure. The notice explained that I could apply for Conditions for Continued Occupancy and included form XXXX ( Request for Occupied Conveyance. I responded to this notice that I received twice. I never received a response from Bank of America to indicate whether or not my request was approved or denied. I am now in receipt of a Sherriff Sale notice dated for XXXX/XXXX/2016.
I have tried to submit a dispute online and Equifax wo n't allow me to submit my information. I have several accounts that should have been dismissed due to Chapter XXXX
Was told that an inquiry, although was never authorized, and the company that pulled it without my authorization said in an email they would remove it after Experian received my dispute. I contacted Experian and they said " it is our policy that the company pulling must contact us to remove it ''. I said " what sense does that make if the company that pulled it illegally has to give permission? ". The case is still not resolved and I have an inquiry on my record.
I have tried to have this Tax Lien removed from credit file. Equifax reports verified by XXXX. I have the report from XXXX and it is not on there report. Also after X/X/2017 tax liens should be removed from credit file.
I tried numberous of times to resolve this issue with capital one and late payment forgiveness. My grandfather XXXX XXXX  XX/XX/2017 and I had to do all XXXX arrangements alone and all expensive. As a single mother of my XXXX years old son that I still have to take care of. I called capital one and informed them of my issues to see if they can give me extension for this payment during my hard times, representative stated do not worry we will take care everything once your grandfather is XXXX XXXX XXXX They did not take care of the issue but instead reported me 30-60 days late. I been continuously paying my capital credit card on time still today. I been reaching explaining I only felt short one time and I be paying good before and after this issue. Can you please give me a me a chance since I been a loyal client and remove the late payment. Everyone decline. This issue is affecting me tremendously and I have a son. I can get a apartment and I need to move because its showing delinquent account. Everything revolves around credit and its affecting me. Please I need help and want this resolved. 2 bureaus have me reported late in XXXX and the other in XXXX so I know thats an error.
Hello I have XXXX collections from hospital on my credit I should n't of been charged because I have a medical card
Wells Frago Dealer Services ( WDS ) Cashed for posted dated checks before the dates indicated on the checks causing overdraft fees. 

I requested to speak to management and the representative " XXXX '' indicated he speaks on behalf of the President but was unable to make any decision. An would not forward my call or concerns to management. 

This careless effort on the part of this company is unprofessional and needs to be exposed to the consumer on their illegal practices.
Yes, I'm going to publish for the world to see. first of all, I have purchased my XXXX XXXX XXXX XXXX ticket back in XX/XX/XXXX and they told me that I would receive it by mid-XX/XX/XXXX I have waited and waited and nothing has ever come in!! and I even tried to contact them but they never contacted by and I'm currently am trying to dispute this charge with my bank send I never received anything for what I have paid for ... .but my bank told me that they can't do anything about it and I have to handle this situation on my own, which I have already tried!!

I want my money back since i never have gotten anything in the mail!

XX/XX/2018 XX/XX/2018 EB XXXX XXXX {$720.00}
They charged off my account and added on my report a charge off remark. By law, an account can only be charged off after 180 days of deliquency. I asked them to show me how I missed 180 days of minimum payment they kept forwarding my calls and are always unable to answer me since my last payment was just a month ago. I filed a complain with the credit bereau but the  credit card company is still refusing to remove the wrong data off my report. I'm asking that they delete those wrong information from my report. I even have already paid off the full balance now.
On XXXX/XXXX/17, I received dispute results from Transunion stating that an Account had been verified. On XXXX/XXXX/17, when I mailed my dispute letters, I requested that any account that was deemed VERIFIED needed to be accompanied with written poof from the creditor. I did not received any validation or verification information for this unknown debt. The creditor is listed as XXXX XXXX XXXX XXXX XXXX .
I have no knowledge of this company. I have never entered into any contract nor have I heard of this company.I am requesting the name, address and phone number of whomever at the company verified or validated this information. Also, I would like to see a signed agreement between me and the XXXX XXXX XXXX XXXX XXXX .
My Bank used a loan servicer ( XXXX ) to do their work of loan servicing. I paid my XX/XX/2016 payment of {$1000.00}, and the money was debited from my account, yet never showed up as payed to my mortgage, nor was it relayed or forwarded to my new loan servicer ( XXXX ). So my current principle is too high, my interest deduction XXXX form is incorrect, and to date Ive spent about 30 hours on the phone and researching what happened. 

What do I need to do to have an investigation of where my money went, and who is responsible for finding it and applying it to my loan and issuing corrected XXXX for taxes which are due in one week? 
Additionally, I 've attached the closing documents, which indicate the amount financed is {$190000.00}, which does n't make sense, because the loan that was transferred to the XXXX servicer, is shown at {$190000.00} which is greater than the total amount financed in the closing documents. How is that possible???? 


Please Help! 

Best regards, XXXX
PNC Bank paid XXXX of my online checks a day earlier than I had scheduled it to be sent. When scheduling an online bill to be paid the actual field is labeled SEND ON and then you can click on a calendar and select a date. I selected my payment to SEND ON XXXX/XXXX/15. It cleared my account on XXXX/XXXX/15, creating a negative balance, so now I have incurred a fee of {$36.00}. When I called PNC Bank, I was told that their policies and practices are explained in the fine print, so they would not refund the fee. So evidently, somewhere the fine print reads, any check you request the bank to SEND ON a specific date, could possibly be sent much earlier and actually CLEAR your account before the SEND ON date you requested? Well is n't that a win-win for the banks. WIN ... .their operations do n't have to be responsible or intelligent and the language they use can be deceptive. WIN ... .they can charge a fee when a payment clears earlier and makes an account negative. XXXX are collected by banks through these fees and on processes the banks have DESIGNED to produce fees. As long as they disclose their inept practices and warn the consumer that their inept practices could cost the consumer, it 's all legal? If the consumer did n't bother to read and comprehend the XXXX page legal-eze that appears before they click to sign up for a service, then any nasty thing that happens is legally the consumers fault? Is it now even legal for banks to use deceptive language, like SEND ON?
I 've never received anything from this collector regarding this debt or right to verify or dispute it just appeared on my Credit Report out of nowhere i sent a letter to the address on my credit report address no response there is no phone number attached to the collections or the original debtor to verify and it dropped my score and I would never let XXXX which the alleged amount of the debt ruin my credit.
XX/XX/2018 I received a receipt from a collection agency Arbor Professional Solutions. They reflect in the receipt the initial balance of {$1000.00} and the current balance as XXXX. They also sent the same information to XXXX and XXXX however they refused to report the balance was paid in full and the account is closed. They are acting as a lender and not a collection agency. They are refusing to report account was paid in full and the account is closed. I reported to both credit reporting bureaus and filed disputes but the disputes have been unfruitful in closing out the problem.
I have a Discover card that has not been used in years. I recently noticed they are charging interest charge on cash advances. I contacted them about it and they replied that the charges were from over 7 years ago. The agent could not really tell me when or amount. So, sent a message to the company and I received this replied : Thank you for your email regarding the Cash Advance interest on your statement. After reviewing your account, I found that we chatted with you online on XXXX/XXXX/2016, regarding this matter. If you need further assistance with this matter, or if you have other questions or concerns, please let me know. 
I am sorry, but this is not acceptable. I do n't mind paying, but I need answers. I do n't remembered ever taking any cash advance. Please help me! 

Thanks in advance!
My student loans were in default status due to intermittent unemployment and persistent underemployment. Therefore, I entered into the Loan Rehabilitation Program with XXXX XXXX XXXX on XX/XX/XXXX. The Repayment Agreement was signed and submitted to XXXX XXXX XXXX via email on Friday, XX/XX/XXXX and Thursday, XX/XX/XXXX. The Repayment Agreement states that I was supposed to make at least nine ( 9 ) monthly payments of {$5.00} each month. I have made and XXXX XXXX XXXX XXXX XXXX has processed ten ( 10 ) payments, which was more than agreed. However, XXXX XXXX XXXX XXXX XXXX has neglected to provide this accurate information to all three ( 3 ) credit bureaus. I have complied with all requirements regarding timely paperwork and payment submissions. However, the incorrect repayment reporting to all three ( 3 ) credit bureaus continues to adversely affect not only my credit score, but also my attempt to secure credit. 

I have submitted all requested payments before or within the payment timeframe. The following payments, in the amount of {$5.00} each, have been submitted to date : No. Payment Date Payment Type Comment 1 XX/XX/XXXX Payment Card Submitted on XXXX website 2 XX/XX/XXXX Payment Card Submitted on XXXX website XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX
Firstly it was very difficult to file a dispute because experian kept pointing me to some form online which, at the end of filling all information said that it can not file the complaint due to an error at that time. Finally i called them for hours on the phone and mentioned that i am an ID fraud victim and need to rectify information on my credit report. Thenafter there is a collection agency account which needs disputing so i filed a dispute. Experian agent asked me to upload a supporting document and i did provide supporting document from original creditor XXXX XXXX XXXX which said that i do not and did not owe them any money and it was not supposed to be reported on my credit account. I have attached the same document which clearly states i have no liability. Yet experian and the creditor did not take it into account, there is no mention of it in any explanation provided and the collection account unfairly remains on my credit report. Please see the attached evidence i provided to experian as well. 

Secondly, my credit score drastically reduced by 23 points on XXXX XXXX 2018. I have no drastic changes in payment accounts, no new loans, no such changes to make it drop. There is no explanation from the company and other beuros havent dropped my rating. So i am unable to get any response or explanation of sudden credit drop from experian. It has been very difficult to work with experian and it does not care for consumers at all.
This issue is related to my Macy 's credit card. I always pay all my Credit card balances on time but on my Macy 's credit card they have charged {$2.00} interest fee and I was not even aware of that. due that I got hit XXXX point on my XXXX XXXX which is totally wrong. I am planning to buy a home soon and due to this wrong charges my XXXX XXXX went down. XXXX The moment I got to know about the charges I have paid them immediately XXXX Please do the needful. 

Appreciate your support! 

Thanks XXXX XXXX