WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I contacted National Recovery Agency by certified mail to inform them that they had listed some incorrect items on my credit report. 
They have missing information for my account number and they have the status as open, when that account is closed and has been for months. When I contacted them they did not respond. All of this is in violation of the Fair Credit Reporting Act. They are supposed report correct information on my report and they have violated several laws, including not responding to my letter within 30 days. If that were not enough, with no action taken I reached out to them again on XX/XX/2018 by certified mail. But to no avail, no response again. Enough is enough! Improper reporting, missing info and incorrect status of my account is severely damaging my credit. I also reached out to the 3 bureaus where it was listed incorrectly and XXXX  deleted that account. I have enclosed copies of receipts of the certified mail, letters of communication to National Recovery Agency and a copy of my XXXX  report where it was deleted. Also I am writing the Attorney General Office and the XXXX.
I currently owe over {$130000.00} in student loan debt, {$44000.00} of this debt is serviced by AES. I am currently 71 days past due with my loans with AES. I have called multiple times monthly asking for repayment options that will lower my current {$400.00} payment. One person told me that I was eligible for a reduced repayment plan for one of my loan packets, that would allow me to pay a lower payment for 1 year. I paid the {$50.00} payment to get that started, but was later told I did not qualify for it. Ive begged and pleaded with AES for options as I want to pay my loans, but I cant afford the monthly payment. I have three other loans companies to pay monthly. Ive written letters to AES for them to forward to the banks, but I was told that my request for longer loan terms was denied. This is depressing, as I feel I have no way out of this debt. Each time I call Im given the run around. I just paid a payment and it looks like it only took 20 days off, oppose to a full month. This is ridiculous
Please refer to the previous complaint submitted to CFPB. Case number : XXXX. Discover Bank official who responded to it few days back is lying. Today I received an email message via the secure message center and also spoke to Customer service at XXXX. I was told told in both the communications ( email and telephone ) that i will be getting the promotional bonus. 
XXXX XXXX to XXXX XXXX talked with XXXX. 
Confirmation # XXXX. 
called at XXXX Called from my cell phone XXXX XXXX confirmed the promotion code and all the details with me and she told me i will be getting the promotional bonus of {$100.00} on XXXX/XXXX/2015. Let 's see how much DFS keep up their words.
XXXX XXXX XXXX I purchased 3 US Bank visa gift cards on XX/XX/XXXX for {$500.00} each. 
Upon opening the packaging, I noticed these US Bank gifts cards were tampered with. I tried spending them in store, but the magnetic strips were defaced with glue. I called in to the number of the back of the card to inform US Bank to close the cards down and send me replacements. 



I was assured this would happen. It did not. Replacement cards were eventually sent to me, but a hold was never placed on the original cards. They were used fraudulently the very next day ( XX/XX/XXXX ) and a week later, I received cards worth a few cents instead of the {$1500.00} I had loaded on each one. 



It is now almost a month later and there is no sign of resolution. 

I am staying at my address of XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX until the XX/XX/XXXX. Please ensure that if resolution is sent via mail, it arrives before then. I would also accept the full {$500.00} being transferred into the replacement cards I was sent. 



Thank you.
My identity has been compromised, and the credit reporting agencies is not making it any better. I'm still dealing with the damage of losing my ID. I would really appreciate if the following inquiries were removed from my credit report. I have no knowledge of these inquires whatsoever. ( 1 ) XXXX XXXX - XX/XX/XXXX, ( 2 ) XXXX XXXX-XX/XX/XXXX, ( 3 ) XXXX- XX/XX/XXXX, ( 4 ) XXXX- XX/XX/XXXX, ( 5 ) XXXX XXXX XXXX -XX/XX/XXXX, and XXXX XXXX, XX/XX/XXXX
I called Tidewater finance on XX/XX/XXXX and requested a full copy of payment history and an original document with signatures and verification of how much according to them I owe only account # XXXX. My loan agreement states that the loan is for 66 months ( 56 payments ) at XXXX per month Ive had this account with tidewater since XX/XX/XXXX. My account with tidewater should end in XX/XX/XXXX. Tidewater is stateing that I still owe them over 7200 in payments. I believe that I owe tidewater far less which should be XXXX. XXXX dollars exceeds the the loan agreement. When I spoke with a representative today which they have my account in collections because the state that my XXXX payment is late and my XXXX payment is also late I have paid XXXX payment thru XXXX XXXX and my XXXX payment is due on the XXXX of each month and my XXXX payment had already been counted as late according to the rep. My XXXX payment was made on XX/XX/XXXX. According to all three credit bureaus I still owe XXXX and my account hasnt been updated since XXXX and XXXX on some bureaus. I would like for my account to be updated correctly and all money that has been paid applied to my account and since they are reporting my account incorrect I would like all payments brought to good standing for the untruth that has been being applied and Negative standing which Ive have been correcting for quite some time now.
I contacted XXXX  on XX/XX/XXXX to dispute a BB & T Acccount that is reporting inaccurately on my credit profile. They returned a response of verified as accurate in which I am quite behooved. I myself contacted BB & T and they were not able to validate this account. First off let me say I do not have an account with BB & T. I did get approved for a car loan and did sign documents for the loan. BB & T Sent the check directly to the car dealership XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX ( Car Dealership seems to be Now closed down ) I was never delivered a vehicle and NEVER took possession of the vehicle. This was also known by bank rep XXXX who handled the loan process who in turn tried to contact the car dealership and was not able to locate the vehicle. XXXX and the dealership both confirmed to me that the check was received by the dealership in the amount of {$31000.00}, I have a voicemail recording from XXXX that will serve as proof that I NEVER taken possession of ANY vehicle. Fast forward a few months. I reached out to XXXX a few more times and to no avail was I able to reach him, even went into the local branch and was advised he was out to lunch. 
( I know feel as though he was avoiding my calls ) A few months later I check my credit report in the process of refinancing my home and I notice a collection/charge off in the amount of {$31000.00}. Mind you I was never sent a bill, statement, payment due notice, or past due notice from BB & T. I'm quite confused on how an account that is reporting as an auto loan didn't go through the repossession phase. How did it go straight to charge off if its indeed an auto loan? Wouldn't BB & T want possession back of a XXXX car that not being paid for? Clearly there is an error somewhere, and clearly BB & T KNEW that I NEVER took possession of that car and still trying to collect on the debt. They sent the check to the dealership, wouldn't that discrepancy be between the Bank and the Dealership? 
I contacted BB & T directly on XX/XX/XXXX @ XXXX XXXX  talked with XXXX, XXXX, and XXXX who all advised that I signed for a personal loan and not a auto loan which is why no repossession occured. So my question to them was why is it then reporting on my credit report as an auto loan? Clearly there is a numerous amount of errors in the reporting of this debt and I requested for XXXX  to remove based on the FCRA violatons. I even noticed there is no dispute notation noted even after contacting BB & T via certified mail, I sent proof of the validation request, and a screenshot to XXXX  showing no dispute notation and they are continuously responded back to my dispute as verfied WITHOUT launching a complete investigation into this matter. There is no way in the world this account was investigated and verified as accurate.
Equifax did n't thoroughly vet their security software of their forward facing or back-end systems and in the process leaked over 100 Million peoples PID to criminals that could use that to exploit people and ruin their lives. They waited 3 months to say anything about it and were as crass as to hide an arbitration clause in the terms of there free " help '' when it was their fault it happened in the first place. Not to mention the fact that the three top people that would have known about the breach as soon as it was detected decided to whimsically dump some of their stock in the company.
Experian has relied on XXXX arguments to keep a delinquent mortgage payment reporting by such debt collector in my credit report citing " The result summary provided by XXXX on XXXX XXXX, XXXX ''. In addition, Experian maintains that FCRA does not require that consumer reporting agencies act as mediators or negotiatiors in account disputes. 

I have not been asking Experian to act as a mediator or negotiator in my dispute with XXXX 's malicious delinquency reporting alleging a missed on-time mortgage payment. I am simply stating that such delinquency reporting is not warranted and that it must be deleted from my credit report. In fact, on XXXX XXXX, XXXX, I requested from XXXX a mortgage pay off amount and which it provided and full payment was made on XXXX XXXX, XXXX prior to XXXX XXXX, XXXX through which the payoff quote was valid. 

According to the following real estate transaction manifest, " Once the property is sold and the debt is paid, the mortgagor 's obligation to the mortgagee is over ''. Consequently, XXXX does not have any basis whatsoever to report the loan delinquent once it had received all of its payments within the time frame stipulated in its pay off quote. Experian 's decision to accommodate XXXX 's abusive & capricious action, is in fact totally an act of pure discrimination toward me by both Experian and XXXX. This has been going on since XXXX XXXX, XXXX when the mortgage was acquired from XXXX XXXX Mortgage XXXX at an interest rate of 7.938 % and, the mortgage subsequently transferred to XXXX, a debt collector, for servicing. Immediately after the financial meltdown of XXXX, I repeatedly requested from XXXX to have the loan modified which it never agreed to claiming that I was wealthy enough to support the mortgage payments at that high interest rate while the property had devalued significantly. In fact it was puchased for {$230000.00} in XXXX and sold for only {$180000.00}, after many years with that heavy financial burden. The loan was paid off in its totality within a certain time frame and therefore can not be reported to be delinquent.
On the morning of MondayXX/XX/XXXX we were contacted by Capital One regarding potential fraudulent charges that someone was attempting on our account. We confirmed that indeed the charges in XXXX  for 3 airline tickets were fraud and to please decline the charges of {$1200.00} x 2 and {$1400.00} totaling {$3900.00}.

On Tuesday, XX/XX/XXXX we followed up with Capital One, rather than declining the purchase they posted it to our account. We were told that we are not responsible for the charges and they would be removed.

On Wednesday, XX/XX/XXXX we were told that it could take up to 72 hours for the charges to be removed, however, they would still be held against the credit on our account for 30-90 days while they were investigated.

Fast forward, XX/XX/XXXX, the charges are still posted to the account and have not been removed from the account. In fact, I was advised that the charges were not marked as fraudulent and they are still posted to my account as accepted charges.

Finally I was transferred to a person is the fraud department who has advised that they are now marking the transactions as fraudulent and it will take another 72 hours. Until my account is credited back funds for these charges ; however available credit will still reflect these charges. This affects my credit score.

This is the 2nd time airplane tickets were purchased against this account ( different card number ) by persons in another country. Capital One 's treatment of fraudulent charges is unacceptable. I am fortunate in that I do not need to use this credit now, but other persons going through this same process may not be as lucky.

What protocol does Capital One have in place to protect identities of its customers? We had our account compromised a few months ago ( twice ) and our cards replaced ( twice ) and this third time in less than 6 months really raises the question what the heck is going on with them. I feel, that by withholding the credit on my account till they can investigate, even though there is {$0.00} liability ( per them ) is tantamount to holding me hostage ; you know, in case they can not work out the charges with the vendor, they have a place holder so that they can try to squeeze the funds out of me ( what they told me last time ). If there is {$0.00} responsibility, they why are they holding up my credit, showing that I have charges of this amount against my account when I do not.

I hope that you will investigate. I can not be the only person this is happening to.

XXXX XXXX
CitiMortgage consistently gave incorrect information regarding the loan modification process. Each representative gave different information. I talked to XXXX. They also discouraged me from updating financial information and tried to discourage me from appealing and from reapplying for a modification
I used a care credit card for a purchase at my Vets office. I agreed to the terms of XXXX months not XXXX months. The manager of the vets office called the credit card company and advised them she would make sure the terms were changed to the correct terms. I called the credit card department after XXXX weeks to find out why they have not been changed. Then they claim she had to do something on her end to fix it that 's why its not done. I was told I didnt need to worry about it. It was on their end that they saw the notes where she called in to okay it and it would be another XXXX weeks to fix it. A week later I get a letter and I am told it wo n't be changed. I call today and now they clam the office manager never called and made the change even know I know she did because I was on the phone with her when she did on a XXXX way call. I believe care credit is trying defraud me.
Starting back in XXXX XXXX My Mortgage was with XXXX XXXX XXXX. I had called them and asked if I could push one payment back since I was never late in 10 years and had loss my business of 18 years overnight. They said they could not do that. I was unable to pay the XXXX, XXXX, and XXXX payment when I suddenly get a call from XXXX stating that they want to work with me. I received a forbearance agreement which called for half of my regular payment to be made for 12 months. I made the 12 agreed payments, then contacted them and I was told that they were working on it. 3 months go by and all of a sudden XXXX XXXX services went out of XXXX! I waited to see who would pick up my loan and lo and behold it 's Nationstar!, who contacted me 5 months after XXXX went under. I explained to XXXX that I had completed my forbearance agreement and was on the cusp of completing my loan modification. At that point I was told that I would have to start the process all over!! Between XXXX XXXX and XXXX XXXX I must have given them my Loan application at least 11times!! 6 of those within 1 year!! ( XXXX XXXX - XXXX XXXX XXXX Finally, in XXXX XXXX I get a loan Modification approved, made my XXXX trial payments and was to begin in XXXX of XXXX with my First payment. That month I was rear ended at a red light at XXXX, after i was released from the hospital, I called Nationstar to advise them that I 'm out of work at the moment due to the accident and will be starting rehab due to one of my XXXX XXXX XXXX. I asked what should I do because I did not want any problems with this loan mod since it took me almost 7 YEARS to acquire! The response they gave me was " Do the best you can '' While out of work and still in XXXX XXXX 2 months later, Nationstar called me and asked how things are going. I said I 'm still out of work and in rehab. I was told once again " do the best you can '', then a month later I was served with Foreclosure papers. While dealing with the foreclosure suit, the judge ordered it to mediation, upon meeting with the County 's Mediation Department, I was told if I had made ONE payment, they could have started the process all over. I said I have been dealing with incompetence from this Company ( Nationstar ) for over 6 years! I would get repeated calls and when I would answer they would hang up, Once i was waiting for the Escrow Dept. to call me back, I end up getting a call from loss mitigation offering me {$5000.00} to move!! I asked " do you guys talk between the departments? The girl said '' no '' I said " I can tell, I 'm waiting for Escrow to get back to me '', Not receiving Faxes that I sent upon request ( this happened multiple times ), etc. many more I could list. This could have been completed Years ago, but due to widespread incompetence on Nationstars part, this has now put me in a compromised position.
Nationstar Mortgage does not respond to my requests. It is impossible to contact them by phone, all you get is prerecorded messages. I tried contacting them by the website and they did not honor request. My insurance has increased dramatically and I wanted to shop around for a new policy but instead of working with me they went ahead and the policy. Now my payment will go up AGAIN and they will not let me try and find a more reasonably priced policy.
sometime on or about XX/XX/2016 the company by the name XXXX XXXX XXXX an office locater in XXXX IL XXXX. I have notifly this company and experience about this inquiry that has damage my credit with my creditors. I have no reason to file bankrupt my husband and I have about 90.000 00 per year income .while checking my most recent credit report. I noticed credit inquires that I did not authorize, I did not authorize anyone employed by these company to discuses any thing about us file bankrupt .which is serious effect our borrower power from the bank we do business with. by this error been on my credit file that I did not authorize. I have notify Experian  number of time to removal this from my file.. this is a violation of the fair credit act 1681b ( C ) and a serious breach of my privacy right. I ask Experian  to request a validate of my signature from this company .and there comment to me was that this firm is not a part Experian to contact.in the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. please note that you have 30 day to complete this investigation, as per the fair credit reporting act section 611.
Hello, I have had worst and bad experiences with Westlake Financials and the used car dealer worst companies ever, In XX/XX/XXXX of last year illegally they repo my car from a private parking, at XXXX XXXX XXXX XXXX where Local securities and police intercepted, and i have had the agent from Westlake on line informing the towing company to drop the vehicle but i was informed once hooked they will need to drive away by the police and the Westlake agent " a ripe off artist '' informed not to worry was an error car will return the same morning, but never did and ended up in a repo yard forced entry messing with private and personal belonging, damadged the car estimates close to 2500 , they did not allow me to pick up the car only after the weekend when i needed to pick up the car only following Monday with damages, i immediately informed the yard and the police before pick up, Police informed i need to file a small claims court which i did since the tow company damaged my car, i have brought to a repair shop and got myself an estimate, but lost for a fabricated or fraudulent document indicating that i have signed and received the car with no damages, the yard informed me to sue them they don't care, i lost the case Judge informing that it was an expensive lesson to learn, now since then i call to pay off the car they do not return my calls i have had a balance of XXXX XXXX the legal rep of westlake financial the biggest lier " XXXX XXXX '' i think ever i have seen promised that as soon as he returns to his office will adjust the pay off and remove the fees and authorize the payments to be collected, ever since they do not return my calls been 6 months until i have called 10 times in a single day, now they tell me it's XXXX with recurring interest, now they tell me they have charged off the vehicle in XX/XX/XXXX and massively damaged my credit report, i need your assistance to deal with these fraudulent act and rip off charges, I am not able to settle and cant get my Title, contacted DMV investigation no help, contacted others but no help each department informs to contact the other
I got a levy from this company XXXX. It is an account that is over XXXX years old. I would like to settle XXXX accounts ASAP.
On XXXX XXXX, 2016 I started the process to get a debt from Finance Systems of Richmond validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XXXX/XXXX/2016 to the address listed on my credit report ( XXXX XXXX XXXX XXXX, XXXX IN XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute 807 ( 15 USC 1962e ), which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XXXX/XXXX/2016. No response, no validation, and they did n't mark my credit report DISPUTED, which violates the FCRA, Section 623 ( a ) ( 3 ). Already with no proof of my signature validating the debt and not marking my credit reports as be disputed, they have broken two federal laws. I sent a follow up letter dated XXXX/XXXX/2016, received and signed for on XXXX/XXXX/2016, stating to them that by not providing me with validation of the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XXXX/XXXX/2016, and there has been XXXX response from this agency. All letters have been ignored. I have all documentation of my attempts of correspondence with Finance Systems of Richmond and can provide them if need be.
Called a friend of mine who I also regulatory commission services from, using information from a third party they are affiliated with. This person also happens to be a friend, but is not listed as a contact on my account what so ever. The only way they could have gotten her phone number, would be to use a third Party they are affiliated with, to see who I have sent money to, and called their contact number on their account. 
They clearly stated they where calling from a Credit company and looking for me. This alerted them to the fact I have debt, and I 'm behind in it. 

I have NOT used their payment method to pay this client, I have always paid using the third party they are affiliated with, direct from my bank account. Even if I had, they still should not be calling a XXXX party, in another state, there would be XXXX expectation I would be at their house, or picking up phone calls from their personal phone.