WillisBack/dataset-financial-user-claim huggingface dataset:
My client paid off his loan on a mobile home trailer in XX/XX/2017. Ditech Financial, LLC claimed to have mailed the original to the property address, but inadvertently left off the trailer number. Therefore, the title had not been received. Ditech then sent copies, where were useless, since the Department of Motor Vehicles is requiring originals. When he called to request that a duplicate original be sent to his current address, he was informed that the title had been sent the original lien holder, XXXX, located at XXXX, XXXX, LA XXXX. THIS COMPANY IS NO LONGER IN BUSINESS. Subsequent requests have since been made for the lien release and original title to no avail. The Department of Motor Vehicle is requesting the original title. Ditech refuses to send the original title to property on an account that has been paid in full. Every phone call is to a different customer service representative who is rude, impatient and armed with false information. The customer service representatives refuses to let you speak to a supervisor and claim to take notes at the time of the call. When you call back to ask about the status based upon notes taken during the last call. There are no notes in the system.
On XXXX XXXX, 2016 I made XXXX payments towards XXXX of my USAA credit card accounts ( total {$380.00} ). Both payments cleared my bank on XXXX XXXX, 2016. On XXXX XXXX, 2016 I noticed the payments did not apply to the BALANCE of my accounts. I called USAA and the representative said it could take 10 days? After thinking about it, I realized it didnt make sense so I emailed the company on Sunday XXXX XXXX. On Monday, XXXX XXXX, 2016 I received a voicemail from USAA ( while I was at work ) so I returned the call the next day and and left a message for that representative. As of yet, ( 4 days later ), he has not returned the call. In the mean time, I called USAA on Tuesday, XX/XX/2016 and spoke with someone regarding my XXXX payments that have not posted and they stated an IT ticket number has been assigned to my case. Being that my due date and billing cycle were a few days away, I made another payment ( {$76.00} ) so there would not be an derogatory information on my credit report. I have been given and IT trouble ticket number and the " estimated '' time to have this issue fixed is XXXX XXXX, 2016. In the mean time, my billing cycle ends today and my credit reports will now reflect no payment for the month because of their errors. After numerous calls and passing me back and forth I am unable to get anything else resolved.
I have my moms death certificate to show her debt should be removed since there is no estate and no money to pay it.
I had XXXX cell phone service and switched to XXXX when they where offering to pay off last bills to switch to them, XXXX failed to send payment to XXXX, XXXX sold account to XXXX a collection agency I paid them and requested that it be removed from all 3 credit bureau XXXX and convergent agreed to remove, Transunion and XXXX are refusing my dispute to have it removed. XXXX has removed but Transunion and XXXX have not even though the actual debtor is requesting for it to be removed!! Also i have made 4 request in the past 6months to get my final bill from XXXX and i have yet to receive anything from them other than verbal confirmations of we are sending them to you.
XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXXXXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX i do not recoginize these offending claims remove off of my report. 
Called transunion and requested they up hold yo their responsibility to ensure that creditors demonstrate clear permissible purposes in accordance to fair credit reportin act before releasing a consumers report.
I filed bankruptcy XX/XX/2015 castle payday was included in the bankruptcy and now I have been receiving calls from wanting me to repay the loan I have explained that I have filed chapter XXXX and have given them the case number and the attorney # and have asked not to call the cell my they continue to call
This complaint is not a duplicate of any previously filed complaint. It is representative of new violations that have recently occurred. This complaint is filed because XXXX XXXX XXXX XXXX ( hereafter XXXX XXXX ), as of XX/XX/2017 has violated Section 623 ( 5 ) ( A ) and Section 605 ( c ) ( 1 ) of Fair Credit Reporting Act. WHEREFORE, XXXX and XXXX XXXX is asking for a cease and desist order compelling XXXX XXXX correct the record. 
1. XXXX XXXX XXXX XXXX, has, ( a ) Re-aged account No. XXXX, previously reported as Acc. No. XXXX, and, ( b ) reported information beyond the 7.5 year statutory period allowed by FCRA, and, ( c ) Failure to report the account as " DISPUTED '' as required by FCRA. 
2. Both the original creditor or a debt collector can not re-age a negative account. No matter how many times a delinquent account is transferred or sold from one debt collector to another, the date of first delinquency should not change. The DOFD ( date of first delinquency ) determines how long a negative account can remain on your credit reports. ( see EXHIBIT-A, -B, -C ). 
3. A negative credit item, such as a charge-off can remain on our credit report for 7 years from the date of first delinquency. Any collection agency that may end up with the charged-off account must comply with that same date. 
4. Section 623 ( 5 ) ( A ) says : " In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. '' 5. This means that if a debt collector reports a date of first delinquency to the credit bureaus and the original creditor previously reported it, the dates must be the same date of first delinquency. Any different date constitutes illegal re-aging. 
6. A debt collector re-aging an account can cause serious damage to our credit files. Re-aging would allow the collection account to remain on our credit reports in-perpetuity. This action has been taken because we, XXXX XXXX and XXXX XXXX XXXX believe we are victims of re-aging. 
7. Furthermore, Once an account has been charged off, the date of first delinquency should never change because it starts the clock on the 7-year reporting time period. 
8. In actuality the 7-year reporting period is really 7 years plus 180 days ( 7.5 years ). This is how long a negative item such as a charge-off can remain on a credit report. 
9. A charge-off past the 7.5 year reporting date should not be on our credit reports. This includes any collection account connected to that charge-off account. 
10. Even if XXXX XXXX collection effort began yesterday, XXXX XXXX can attempt to collect the debt if there any, but they are prohibited from reporting the debt past the 7.5 year reporting period. 
11. Furthermore, the account has been disputed. However, the current credit reports for me and my spouse, XXXX XXXX XXXX does not reflect the dispute
NOT A DUPLICATE I do not have a signed contract nor any contract with Portfolio Recovery Associates. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with Portfolio Recovery Associates.
Unable to access credit reports online through equifax and XXXX. In addition to that unable to do online disputes.
Synchrony Bank. I got a credit card for XXXX XXXX, for a mattress, and I got a card for rings at XXXX. Synchrony set the minimum payment for mattress at {$25.00} per month. I paid diligently on BOTH in excess of minimum and well before deadline. 
Still, Synchrony 's shell game is to tell various lies in order to build in permanently their BOGUS LATE FEES. They are intractable. 
I ca n't remedy their scam, and would end up paying thousands! I need fraud prevention help. I stopped paying until settled. 
Please intervene! Thanks!
I got behind on my mortgage payments. PHH Mortgage said I need to send in XXXX by XXXX XXXX, 2017 or my account would be sent for for closure. I sent my payment in by XXXX and mortgage company received it and was signed off by a XXXX XXXX. Mortgage company said they never received payment and account was put into foreclosure. Mortgage company sent my money back to me on XXXX XXXX. I 'm now having to pay {$2100.00} due to attorney fees
While checking two existing citi bank cards that have a XXXX balance, citi bank interrupted this session with a advertisement to apply for a citi XXXX card. This stated that they will not pull any credit reports this event happened on XX/XX/17. The morning of XX/XX/17 my credit monitoring XXXX sent me a email stating that Citi bank struck my credit file. Email dated XX/XX/17
I ordered windows and installation for my house with XXXX company on XX/XX/2018. The window is a special order. ( measured of my windows ). I was told the windows would be delivered on XX/XX/2018. However, I was notified that the windows would be delayed till XX/XX/2018 and installation is no time to be scheduled. I contacted XXXX XXXX on XX/XX/2018 and was advised that I had a choice to pay windows ( material ) at the signing contract, and then pay the installation fee when the windows are being installed. I told XXXX that I was not advised nor offered such option. Since, my windows ' delivery date is not certain and I wanted to have the installation refunded. 

XXXX XXXX XXXX XXXX executive office told me initially that I could get refunded of installation fee on XX/XX/2018. On XX/XX/2018, she told me that I couldn't get refund. 

I contacted TD Bank which issued my credit card to dispute {$3000.00} of the supposed installation fee which have never been provided. A representative of TD Bank told me that it would take 90 days to investigate the dispute while I have to pay the money for the service which I did not receive. 

I am forced to pay TD bank for the charges of service I did not receive. 

TD Bank is supposed to protect consumers ' rights. It has failed me in that it did not take my dispute seriously nor offer conditional credit for the amount of money I disputed.
In XX/XX/XXXX I cancelled a cell phone contract through XXXX wireless. They had informed me that I would owe an additional month of service and I requested that they send me a statement of my charges to keep for my records because I did not agree. I was told that I was no longer a customer so I would not be able to obtain a statement. Since then, XXXX separate debt companies have purchased this account, most recently Diversified Consultants. I spoke with a representative from Diversified consultants on XXXX XXXX, XXXX and requested proof that I owe this balance of {$150.00}. I was told that since the account was so old that proof of the debt would not be able to be obtained. I was then forwarded to a supervisor 's voicemail by the name of XXXX. I left him a message but still had not received a call back as of XXXX XXXX. 
I called Diversified Consultants again on XXXX XXXX, XXXX to follow up and was told that a request had been made to XXXX XXXX Collections, but they are unable to do anything for me aside from offering me a settlement. I asked that until the requested documentation is provided that Diversified Consultants stop negatively reporting against me to the XXXX credit bureaus. Again, I was told that there was nothing that could be done for me and if I had a problem I would have to report it myself. I also asked what the company policy was regarding lack of documentation. Specifically, I asked what would be done if the paperwork I requested was not available after thirty business days. I was told that they could not predict the outcome of the documentation, which directly contradicts the statement they made two weeks ago about not being able to obtain the documentation. The representative then hung up on me.
i was offered the 3 months hardship for the hurricane Irma after the 2nd month the wells fargo bank sent me letter and called me saying i was behind on the mortgage by 3 months and I told them ive sent them the last mortage payment before the hurricane how could i be 3 months behind, the person XXXX told me oh they recieve the last payment but did not apply it and could not clearly explain why, and they were not approving for the hardship program and i need to pay the remainder now and I asked I was told by the lady after the hurricane that all would be good and they would put my account for the the 3 month hardship program if i wanted to and i said yes please and than XXXX said Oh i apologize for that and there is nothing he could do this he said when he contacted me after over 2 months later
I am always on time with very good credit. I have cards with high limits. I had a Citibank best buy card that I never use w a low limi, they charged me a yearly fee I was unaware of and then reported me late. This dropped my score dramatically and is really hurting me!!
XX/XX/2004 my total student loans were approximately {$30000.00} total, for some technical training and XXXX school. I was able to consolidate them into XXXX loans with XXXX XXXX, which became Navient. I went through a few periods of unemployment over the years and was NEVER counseled that there were income based payment options. As a result, due to deferrments and forbearances, yet paying consistently at all times when I have been able to do so, my total loan amount 13 years later is now closed to {$50000.00}. I would have been more than willing to pay off these loans of that were possible. I 'm certain I 've paid enough to cover the original principal amounts, but with the way interest is compound, payoff is impossible. I will be XXXX years old this year. I work at XXXX, which might as well be referred to as a fixed income - no raises, higher cost for benefits and so on. I struggle with XXXX, and have for decades. Between my illness, this debt, economic issues and the lack of service from XXXX XXXX / Navient I continue to live paycheck to paycheck. Enough already.
In 2016 I put credit freezes on all three credit reporting companies. Trans Union, XXXX and XXXX because someone opened a XXXX XXXX credit card in my name. That issue was resolved but I was told anytime I need to have a credit inquiry done to call/use website and get a one time passcode/key for the lender to use. Last month because my car was totaled I did that. I got a passcode from TransUnion and XXXX and was told to give it to the lenders to be able to access my account. Two very long days, lots of phone calls, frustration and embarrassment, I still could not get any credit. And I have, according to XXXX XXXX, who uses the credit reporting service for their information, a XXXX credit score. I should be able to get credit. Instead when the lenders tried to access my info it looked as if my assets were frozen or seized, compromised or I didn't have any. I ended up having to remove cash from my savings to purchase the vehicle. I still have yet to get any answers as to why this system didn't work or what can be done about it except to completely remove the freeze which I don't want to do. I do not need access that often ( once since XX/XX/2016 ) so would like the protection the freeze offers, but not the hassle.
Experian continues to report inaccuarte information on my credit file. There are several student loans that are reporting as late while they were in general forbearance. Every time i dispute these items they say they are verified but with whom? The loan servicer sent me documentation that the loans were in forbearance. They are other loans reporting late that were being consolidated and had a forbearance as well. The loan companies direct me to dispute with the credit agency and the credit agencies wanted me to get the loan agencies to update, Its just so much back and forth. The loan companies appear to have poor record keeping. They buy and sell loans and change owners and it get really confusing and the consumer gets hurt. There is also a bankruptcy on my report that I have disputed and requested validation that keeps coming back verified. The information is incorrect. The agent that I spoke with two days ago stated that there was a variation of my social security number so that may explain somethings. I just dont know. I do know that I am tired of disputing over and over again. I feel helpless and at the mercy of the agency. And the data breech with XXXX has made things so much worse. I had unauthorized inquires and everything. I just do n't know what to do. There is also a XXXX XXXX charge off that I disputed multiple times that I do not believe is accurate. I am sending over all of my documentation so maybe someone will look at it and take me seriously and help me.
I paid all of these to pro collect in full right away. They told me they would not reflect my credit as they are paid in full and they still have them open and they should not be as they are paid! They should not be open.
Equifax has been non-compliant with removing the unverified account Bankruptcy chapter XXXX-discharged XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that Bankruptcy chapter XXXX-discharged was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
I had checking account with Bank of America and I was their customer for over XXXX years. 
in XX/XX/2015 I have received employment checks witch were returned for insufficient funds. and at the same time I wrote checks on the same account to pay bills. The employment checks were returned for insufficient funds. I did let the bank know. the customer service at the branch understood. also I did not have the funds to deposit funds immediately to cover the shortages. when I had the funds couple months later I paid them off and closed the account.
Was talked into getting massive amounts of loans when I enrolled, was lied to about the amount I was taking and was not assisted with finding a career that would allow the ability to pay off the loan. Attempts to renegotiate or reduce payments resulted in being told only options are forbearance for up to 3 months at a time. When attempting to add additional payments or trying to pay off specific loans, funds are split between loans seemingly arbitrarily even when specifying that payment should only be going to one, and XXXX/Navient will change due dates of payments without ample notice, resulting in late payment.
I have asked Chase bank to remove me from their mailing list 3x over the past 2 years ; yet they continue to send me promotional letters to open up new cards, checking and saving accounts.
I am currently in chapter XXXX. My husband is not. Co-borrowers on the mortgage. It shows as closed on both credit reports. Bankruptcy filed inXX/XX/XXXX. All payments since have been on time. Payment history inaccurate as reported. Company fixed errors XX/XX/XXXX. Since then it was updated with completely inaccurate information. They claim they have to report same information for both borrowers which is not true. Been trying to fix the errors since XX/XX/XXXX. No resolution. My husbands credit is suffering horribly and the continued errors are becoming very costly as he can not apply for anything.
THEY HAVE BLOCKED MY PHONE NUMBER SO I CAN NOT CALL THEM BECAUSE THIS IS A DEBT THAT SHOULD NOT EXIST. OTHER PEOPLE CAN CALL THEM, JUST NOT ME.
In the latter part of XXXX of 2018, I submitted a dispute to the 3 major credit reporting agencies regarding me being a victim of Identity Theft, this type of dispute is unique in nature as the FCRA sec 605b states that identified fraudulent items should blocked in 4 days. Not only did none of the agencies block the accounts, they didnt contact me with any updates either.
I have a Navient student loan in repayment and I was trying to pay off the remaining balance of my loan. I had researched on their website that a credit card payment can be made for the amount due over the phone. I always pay more than the amount due, and was planning on paying off the loan with my no interest credit card. I called customer service and they explained I can only make the minimum payment with a credit card, nothing more. I explained this does n't make sense. I can pay every month with a credit card but can not pay off the loan? What kind of policy is that? They would rather charge me their interest every month, where I can still use my credit card to make the payments, rather than pay them all their money at once. That is bad business and nickel & dimeing the consumer. They tried to tell me it was because that a credit card is another form of debt, but if I can make monthly payments with that very same credit card, please explain the difference?
In XX/XX/XXXX I was legally awarded a property that was financed through Nationstar Mortgage following a divorce. It was stated in the divorce decree that I was legally responsible for the mortgage loan yet the mortgage company continues to refuse to speak with me regarding this account. I had to eventually refinance this property through a different financial institution because of all the problems they gave me. I have been trying to get an escrow check from my account after they tried to send it to my ex-husband but it was returned via return mail in which they then called my cell phone asking if I could provide a sufficient address for them to send him MY escrow check ( which I feel should actually illegal for them to do since I have submitted legal documentation that he has no financial or legal interest in the property and I had been making all payments on that loan since my divorce decree held me responsible for the loan ) but each time I call they transfer me to someone different, request several different documents to be sent over and then say it will take up to 10 business days to process those documents. I can never speak to a supervisor. I was given a supervisor XXXX XXXX email but he never got back in contact with me after sending him a quitclaim deed and my divorce decree AGAIN. I had to call back several times and speak with other customer service representatives. Today I was given a supervisor 's email that keeps coming back to me as error return email, her name was XXXX XXXX. I 'm not sure if I was just given a fake email so they could get me off the phone. No one can ever helps me with this situation. Here I am in XX/XX/XXXX still dealing with an issue that should have been resolved years ago and they still have my money from my escrow account. They refuse to acknowledge legal binding documents and refuse to help me with this matter.
Someone obtain a payday loan in my name without my knowledge. I have tried several times to hav e Ad Astra Recovery v alidate the debt but to no avail. I have received threating phone calls from deb t collectors on my  job and afte r 9  at night. On one occasion the debt collector insulted me and even asked if my parent taught me to not pay my bills. This issue has ruined my credit and taking a toll on my health.
Went to XXXX 's app and website to make payments, was told that payment and autoenroll of XXXX $ a month would be taken out regularly to pay off student loans. Only to find out months later that their must of been a technical issue or error with the payment going through. I had left outside of the country before I could realize this issue and did not notice it until I had returned months later, only to find out that there were 90 days past due of payments! I quickly payed the {$250.00} of the missed payments immediately but still have the late payments on my credit report even though it was through their app AND WEBSITE that the error occured!