WillisBack/dataset-financial-user-claim huggingface dataset:
I recently discovered Huntington Bank was incorrectly reporting my account as being 30 days late for the period from XX/XX/XXXX to XX/XX/XXXX. I contested the incorrect reporting and showed them they were not properly crediting the first payment made in XXXX of XXXX. After my complaint not only did Huntington fail to correct their error they reported me late on six additional occasions. The credit reporting is attached. I have also attached Huntington on payments history which show I was never 30 days late. The initial 4 mistakes was their error but the addition of 6 other months and a claim i was 60 dyas late in XXXX of XXXX was not only wrong it was intentionally damaging to my credit report. Not only have I never been late I have always paid in excess on the monthly payment. At this time I am 2 months ahead.
I have sent a total of 4 letters to all of the major credit bureaus stating that they remove accounts related to my name because there was no verifiable proof that the account belonged to me. Under the FCRA any account that is not proven to be yours has to be deleted. Not once was there any contracts or verifiable proof stating that such accounts belonged to me!
I was mislead with the contact and start of my loan. I was provided a quote over the phone while completing the application online. When I submitted the application, the interest loan amount increased over 1 % from what the call center mentioned on the phone.
Around the middle of XX/XX/XXXX, we applied for a loan with LoanDepot.It was preapproved with a 3.75 % rate. All the PAPERWORK THEY ASKED FOR WAS SENT WITHOUT DELAY.It was sent to underwriting for final approval for three weeks now.We have to call to see what is going on after we contact the manager Then they would call and state we need this or that, then we can get final approval, we right away send it to them.No word from them 2-3 days.XX/XX/XXXX I email them the manager in sales, then they would call we need 24 months payment and divorce decree then we will close.sent right away and sent 35 months of payments ( never late ) .A week pass no word. I email again, then they would call we need XX/XX/XXXX payment. this is all underwriting need to close.this is now Monday, XX/XX/XXXX will call you tomorrow with final approval and set up closing. Wedn XX/XX/XXXX. no phone call. I called her voice mail states she went home.I was connected to 3 other departments. No manager could come or could be reached in any department especially underwriting.They have all requested information and is not doing their jobs. Uncalled for.
I ordered a phone from XXXX XX/XX/XXXX timeframe of last year. The phone was financed via Synchrony XXXX XXXX credit. I initiated a charge back because the device is not working. Syncrhony is stalemating for XXXX, keeping me in an endless return/tech support/support loop via phone and email. Neither company will work with me to resolve this issue that has been going on for almost 4 months now
XXXX 's client XXXX XXXX is a victim of ID theft. His information was used without his consent to apply for an account with XXXX XXXX. The account was not opened however the application yielded a fraudulent related inquiry on his XXXX credit report XX/XX/XXXX. An official dispute of this inquiry was sent to XXXX XXXX XX/XX/XXXX via their fraud department fax number however as of this date they have failed to remove the fraudulent information from the credit report, which is a violation of the FCRA.
Debt was paid in bankruptcy which I filed in XXXX. I have spoken with the Clerk at the bankruptcy Court where I filed and she informed this debt was " Paid in full '' before the bankruptcy was dismissed in XXXX. I have informed Ally Financial of this and I have faxed the information showing " Paid in full '' to them which was provided to me by the bankruptcy Court.
Due to illness, I used an XXXX to get to hospital XX/XX/XXXX. The ambulance service sent a bill XX/XX/XXXX which my husband paid online on XX/XX/XXXX. XX/XX/XXXX we received a letter from collection agency saying we did not pay for the XX/XX/XXXX service. We provided to the collection agency both verbally and twice in writing with a partial copy of our credit card report showing we had paid and therefore we believe they submitted a false report to the credit bureau because we would not pay again for the service.
I was a victim of identity theft and reported it appropriately as suggested however the bureau only disputed XXXX to XXXX items and left the remaining fraudulent accounts and inquiries there which has been interfereing with my first time home buyer program and I am highly disatisfied with the service and dispute process.
A Representative of XXXX continues to call & harass me over a time-barred debt with Bank of America. I have been threatened with law suit filing and have continued to advise that this debt was disposed of 15+ years ago. I have asked the representative to cease and desist yet they continue to harass me with threatening phone calls.
XXXX XXXX XXXX XXXX is STILL reporting my XXXX account as having been late in XX/XX/XXXX 2017. I 've disputed this with the three major credit bureaus, but it keeps coming back as " verified '' even though I downloaded my payment history directly from XXXX 's website and attached it to each dispute. I will attach it again with this complaint.
I signed up for a Citigold XXXX XXXX XXXX Promotion and I was told by a number of citi employees that I was confirmed to be eligible for the bonus. I have even payed fees associated with the account in anticipation that I would be receiving the bonus. I have attached here proof representative stating that I would be receiving the bonus once I met the minimum requirements which I did meet. Also a in branch representative, XXXX XXXX XXXX, at Citibank , N.A . XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, assured me in person and by voicemail that I would be receiving the XXXX Miles. The representative was very kind and thoughtful. However, I still have not received my XXXX XXXX XXXX XXXX.
After closing a Bank of America CD and transferring remainder of funds to my Bank of America checking account, I used a significant amount of the balance to pay off my student loans. The bank official taking my call was aware I planned to withdraw a significant amount of money, and at no time was I advised of any fees that would be charged to me when my account went below a certain threshold. When, after seven months, I checked the balance of my account ( I also have a credit card with Bank of America with an airline, for which I pay a yearly fee but do not use on a monthly basis ), I discovered {$170.00} dollars ( $ XXXX/ month ) had been taken from my account for " maintenance fees '' because my account balance had gone below a threhold of {$10000.00}. B of A rep XXXX in Montana, followed by his supervisor XXXX in Montana, decined to refund anything but {$25.00} in fees. XXXX stated no one at the bank would refund any more than that because I had agreed to receive electronic statements and they had no obligation to inform me of excess fees other than when I first signed up for the account over ten years ago. I have no recollection of being told I had to maintain a {$10000.00} balance, nor do I recall being given any options for a no fee account. I plan to close my account immediately.
I have a copy of my transunion report that I received on XXXX/XXXX/XXXX that was generated on XXXX. Under Adverse Accounts, there are several student loans listed there that have negative and incorrect information that is reported on my Transunion credit report. I have disputed this information with Transunion previously to initiate an investigation to validate the information that is being reported. The student loans that are listed as adverse accounts are no longer serviced by the lender listed, and when I tried to contact the listed lender the number listed on the report is not valid. I 've mailed corresponse asking the lender to validate this information and received no response as of today with any validation about the listed information and why inaccurate negative information was still being reported. There is a double listing on my credit report with Transunion that contains the same inaccurate student loan information as well. I called the number listed on the credit report and I get a recording from a different company other than the name that is listed on the credit report. These accounts are currently listed as being in bankruptcy. In XXXX, I filed a chapter XXXX bankruptcy which was dismissed in XXXX. Prior to that, my student loans were never in default, they were always in a " in school deferment status ''. In XXXX, all of my student loans were consolidated and sent to XXXX who know services all of my student loans under a consolidation repayment plan. There are XXXX student loan accounts that are listed as Adverse Accounts and in chapter XXXX bankruptcy which is totally inaccurate. The whole point in the dispute is to have the negative information removed especially since the information is being reported inaccurately. My question is how did Transunion contact the lender to validate the information as accurate when they lender ( XXXX, XXXX, XXXX ) Have yet to respond to my letter request for validation of the information. Several of the accounts listed have the same account numbers and the same balance, which is also inaccurate. For Transunion to continue to list this information as negative and in bankruptcy status is totally inaccurate since I am not in bankruptcy, being that the Chapter XXXX bankruptcy petition that I filed in XXXX was dismissed in XXXX. Being that I disputed the information and Transunion clearly did not throughly investigate, I need help with getting this negative information removed especially since it 's totally inaccurate. By law, Transunion was supposed to delete the inaccurate negative information if it could not be validated.
ALL " CRA '' REFUSE TO ADD MISSING ACCOUNTS INFORMATION TO CREDIT FILE ... .. ( 3 ) CREDIT CARD ACCOUNTS : " XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX ... I HAVE SENT EACH " CRA '' NOTICES AND PROOF 4X AND ALL " CRA '' FAILURE TO COMPLY.
I submitted a dispute to TransUnion in XX/XX/XXXX to dispute two accounts I did not recognize, they verified the account. I then sent in a 2nd dispute in XX/XX/XXXX, with information that the account validation showed different information that what was reported ( I provided proof in my complaint ). 

TransUnion stated the information was verified. I then called TransUnion in XX/XX/XXXX, they stated that they received no dispute from XX/XX/XXXX, I was advised to send it in again. I faxed the information again on XX/XX/XXXX. I called on XX/XX/XXXX they stated they did not receive the fax in XX/XX/XXXX but I received another credit report dated XX/XX/XXXX but the accounts have not updated. 

I called again today and they stated they did not receive a dispute in XX/XX/XXXX or XX/XX/XXXX. She stated a dispute was filed on XX/XX/XXXX ( I did not dispute anything over the phone ). I spoke with a supervisor, XXXX, and I was advised to contact your agency. 

I have written the creditors several times and XXXX keeps giving me different information that what was reported on my credit report. XXXX has not responded to my requests for validation. I'm so frustrated with these agencies, I'm trying to buy a house and I can't move forward with the process until these accounts are cleared.
This is XXXX XXXX : It appears that the first letter I sent was verified and I dont agree. I have attached the second letter onto the attachments down below. Your company has violated my rights within The FCRA section 609. You didnt use the correct steps in verifying the inaccurate accounts and errors youve claimed to be mine and forcingly placing accounts on my report. I asked for the steps of the verification method because I know that the FCRA SECTION 609 states that you must have an original contract showing that I owe a debt along with the signature shown on the original contract. I have asked for that and I havent gotten a respond from any of your credit bureaus. Its been a total of 90 days. No creditor has responded within that time as well and all the inaccurate items should be removed immediately. My next step is to file a complaint with the FTC if you dont remove the accounts immediately. This is my second letter and I am keeping record of all the letters and documents that have been sent to your company. If this continue with anymore reports showing verified I will be forced to go down to the county court house in XXXX Georgia to file a lawsuit upon your companies. This is a warning. I have attached pictures of the inaccurate accounts and inquiries to be removed along with a 2nd letter of warning. Also pictures of my passport and social security card.
TD Bank has inconsistently responded to an electronic check return complaint by claiming 1 ) It was a bank processing error ( see letter dated X/XX/17 ), and 2 ) It was returned due to payment requested had a difference amount than listed for payment ( see emails dated X/XX/17 ). <P/>TD Bank offered a letter of apology and {$330.00}. In discussion with bank customer care analyst on or around X/XX/17 it was cited the monetary offer was insufficient, but later in a letter dated X/XX/17, I stated I was willing to accept whatever the Bank was willing to offer. <P/>The Bank has responded to this complaint inconsistently and in part inaccurately. TD Bank has not provided a reasonably expected level of care regarding accurate, timely, and transparent communications. This lack of care and the bank errors and omissions has caused me financial hardship which the Bank is solely responsible to resolve.
I XXXX XXXX make a claim with the Consumer Financial Protection Bureau ( CFPB ) that the following attached attempt to collect a debt is highly fraudulent. My personal information is being floated in what is known in the debt collection business as a " debt Pool '', whereas collection information is outdated and not even enforceable. The attached collection from XXXX XXXX, XXXX does not state that the debt is no longer enforceable, a stipulation by the Federal Trade Commission. The method of an illegal posting of a collection on my personal credit report, or an illegal collection against my rights of the Fair Debt Collection Practices Act can not be tolerated. In Federal Trade Commission v. XXXX XXXX XXXX, XXXX ( 2009 ) the federal district court decided in favor of the Federal Trade Commission that a collection agency must operate within strict guidelines in the collection of a debt. The criteria are as follows : 1 ) The debt must still be enforceable within the state of procurement or where the original obligator resides, or a combination of both. 
2 ) The debt collector must be licensed and bonded if applicable within the state in which it is trying to collect, if the debt is collectable. 
3 ) The validation of debt ownership must be proved, without exception. 
There is no statement on the attached collection that the debt is no longer enforceable. The collection agency stipulates that Bank of America obtained a judgment against me. By legal mandate, the docket number of the judgment must be listed as well as what county clerk 's office the judgment is filed with. In this case, there is no judgment. The statement saying " This judgment may be forwarded to an attorney for execution '' is a complete falsehood. There can not be a lawsuit as the legal time limit to enforce a summary judgment action has passed. 
Even though the collection letter states that illegal, abusive, deceptive and unfair debt collections are illegal, this collection in its entirety is just that, a deceptive illegal attempt to collect a debt that is no longer enforceable. 
I demand that all my information be purged immediately by XXXX XXXX, XXXX and Bank of America, and that the Consumer Financial Protection Bureau ( CFPB ) take the necessary steps to sanction both companies for using such abusive collection tactics.
National Credit Systems is committing fraudulent practices. This collection Agency has reported to the Credit Bureaus that I owe 2 times more than what was agreed upon. I have disputed this debt with National Credit Systems 2 times, back in XX/XX/XXXX and again in XX/XX/XXXX. Their responses has been a copy of a lease and an itemization list showing fraudulent charges from the apartment complex I was previous with. Not only I have solid proof that the fraudulent charges were added after I have left the apartment complex. But I can prove that the apartment complex gave them the information that lead up to these charges. In addition : 1 ) National Credit Systems are in direct violation of 15 U.S.C. Section 1692 ( g ) ; Sections 808 part 1 and 809 ( b ) of the FDCPA. 

2 ) I do not have a contractual agreement with National Credit Systems.
I consolidated my private loans in 2008 over to XXXX ( XXXX XXXX at the time ) originally held by AES ( American Education Services ) and National Collegiate Trust. Since then XXXX has been the note holder on these loans. About a year ago I begin getting collection calls from XXXX indicating I had a balance remaining from when my loan was consolidated back in 2008 and it has been accumulating interest for almost 10 year. The balance they are saying I owe is {$3.00}, XXXX, most of that is interest on a balance that I never knew was outstanding to a company who no longer holds the notes to these loans. They have begun calling me multiple times a day and disclosed this debt amount to my husband on a line that he uses for work and was at work at the time. XXXX XXXX is not a co-signer or in anyway a party to this an should not be contacted regarding this matter. I only know now that this was them calling because it was the same number that called him, but no messages werre left explaining who was calling and why. This may be a third party collector, but they identify themselves as being the Trust. 

The contact given to my husband : XXXX XXXX XXXX XXXX
I advised the company to stop all calls as I do not know who they are. I have not done business with this company. I do not owe any money to this company. This company can not produce a contract between me and McCullough, Payne and Haan. Y
A collection agency that I never heard of started to show up on my credit report for a debt that is not mine.
In XX/XX/XXXX, Hudson City Savings Bank ( see CFPB case id : XXXX ) merged into M & T Bank Corporation. My mortgage for my primary residency, which I owned since XXXX, XX/XX/XXXX ( 15 years ) and resided with my wife and XXXX children fell behind in XX/XX/XXXX as my business failed. I went into pre-foreclosure in XX/XX/XXXX with Hudson City ( HCSB ). <P/>After 4 years of back and forth with HCSB submitting loan modification forms, appearing in superior court in XXXX County, NJ, and over {$15000.00} total in attorney fees and assistance, we were not able to come to an agreement on a loan modification, even though both my wife and I were working and making a strong income since XX/XX/XXXX. <P/>HCSB went silent from the period of XX/XX/XXXX through XX/XX/XXXX, no activity on my foreclosure proceedings, though they continued to pile up the late fees, penalties, and non-payment interest monthly. <P/>In XX/XX/XXXX I was contacted by M & T Bank Corporation, the new owner/servicer of my mortgage via the merger from XXXX, which was fined by the CFPB and DOJ in XX/XX/XXXX for XXXX XXXXXXXX for Mortgage Discrimination, obviously systemic issues within the organization. <P/>M & T, after numerous attempts to have them send me a Loss Mitigation package via postal mail fell on deaf ears, finally sent me a package with instructions and I submitted all my required documentation in XX/XX/XXXX. <P/>In XX/XX/XXXX, M & T contacted me with a system generated 'generic ' letter saying I did not qualify for a 'Retention Workout ' option, I was rejected. <P/>Within the letter, they offered a 'Right To Appeal ' and I submitted my appeal within the timeline given. To this date, I have not received a formal written notice on the decision of that appeal ( I have attached to this compliant ) which in the letter says I would be receiving from M & T Bank within 30 calendar days of receiving the appeal and documentation ( attached ). <P/>Also, M & T discuses 'Investor Guidelines ' that were not met based on my loan modification materials ( see attached document 'Net Income Modification ' ). To this date, I have received no formal investor guidelines from M & T Bank for review. <P/>Please see attached supporting documents attached. <P/>Sincerely, XXXX XXXX
XXXX XXXX took my inactive account and turned it over to XXXX XXXX XXXX. Way point contacted me several times about this debt and they continued to call often. I told them that I would handle this debt as soon as possible. I called Way point and made arrangements to pay this debt and asked if I could get a receipt that this debt was a one time payment and the amount that they settled on was {$800.00}. I did receive a receipt from them that it was paid, this was XX/XX/2018 abt XXXX. I then contacted XXXX XXXX and stated that I had paid the debt and wanted see if I could get a letter or email from them that stated the bill was taken care of that they had turn this matter over to Waypoint. The supervisor on XX/XX/2018, Mrs XXXX stated that that not something they could do and that I would have to wait 90 before they could give me anything, I stated that all I needed was a email or letter from them so I could reference them giving Waypoint the account on my credit report so I can move forward on getting a loan for a house. Waypoint stated that the letter or email I was trying to abtain would have to come from XXXX. I spend all day on the phone XX/XX/XXXX going back and forth between the two and no resolution. Please help with this matter.
The complaint is against XXXX XXXX of Guild Mortgage in XXXX, NV. Her XX/XX/XXXX number is XXXX. She is advertising on XXXX that she will give consumers who apply for a mortgage with her on XXXX/XXXX/2017 and close in 2017 a {$1000.00} furniture gift card. It is so unfair for a consumer to be enticed like this, and it 's likely it would result in a higher interest rate.
My mortgage company XXXX is re-aging my debt to extend the length of time it impacts my credit. Our last pay date was in XXXX XXXX and we have been in foreclosure litigation since XXXX XXXX. XXXX is reporting our last pay date as XXXX XXXX and it is keeping us from qualifying to rent a home. I disputed this information with EQUIFAX and they re-affirmed this as correct despite our complaint. We want both the agency to be fined and the mortgage company. I HAVE NOT PAID NOR HAVE I PROMISED TO PAY the mortgage company since XXXX XXXX.
Citibank is reporting a balance of XXXX but commenting that acct was paid for less than full balance. When I negotiated a settlement, I was told that there would be no negative reporting to the credit bureaus. Obviously XXXX did not keep their end of the bargain. Hopefully you can help me or I will have file a lawsuit to getting this matter cleared up as it is hurting my ability to get a home loan.
Mr Cooper has failed in correcting all 3 credit bureau 's pretaining to my mortgages.they have lied and lied over again since XX/XX/XXXX one month after I had the U.S. bankruptcy court in XXXX XXXX XX/XX/XXXX to re open my bankruptcy case of my reaffirmation that the judge made them sign and file by XX/XX/XXXX Mr.Cooper has only reported to XXXX reporting agency.they lied about reporting payments to XXXX, & XXXX.these reporting agencies and I have been discussing this issue since XX/XX/XXXX is when Mr Cooper was ordered to start reporting my payments and add my mortgage payments back onto the tradeline.Mr.Cooper has cause me a great deal of mental stress and they need to be seriously sued in a court of law.Mr Cooper knows I'm trying to refinance my home in XX/XX/XXXX and they are blocking this from happening with another Lender ... they need to be seriously fined by the CFPB.as soon as possible.they are big Lyers.