WillisBack/dataset-financial-user-claim huggingface dataset:
I have a loan out with Navy Federal Credit Union that has been awarded to my ex-spouse in our divorce proceedings that is still showing on my credit report. I have offered multiple times to provide them with a copy of the decree, but they were unwilling to accept it. This is adversely affecting my credit score and history and I would like to have it removed. The account has been charged off because my ex-spouse has refused to pay since 2013.
I have an unauthorized Fraud Alert on my account, I am attempting to refinance my home, but per them f the finance company will not approve my loan. 
Will you please remove the Fraud Alert. Thank you.
Credit Bureau in violation of FCRA, FDCPA and XXXX XXXX XXXX.
I lost my job weeks after getting a loan with XXXX XXXX I spoke with the Branch Manager at the business and explained the situation yet Im still called multiple times a day I spoke with the supervisor and was threatened by her stating that she would take me to court she also offended me by asking what did you get fired for anyway I am highly upset and offended by the harassing calls.
Bank of America continues to assign and then reassign customer relations managers to me without resolving any of the ongoing issues or maintaining adequate contact after initial first contact. 

They have now assigned me XXXX XXXX. Just recently, a couple weeks ago, I was assigned to XXXX XXXX who recently left a voice message with XXXX XXXX, only to have on record that they contacted me. After I called back, I did not get a response back from XXXX XXXX. Instead, received, yet another letter from BofA stating my customer manager has been replaced. ( see ensclosure ) Their only solution is to have me restart the nightmare process. 

This is now going on for years with no attempt by BofA to admit wrong doing for their lack of customer service and poor handling of a loan. Bof A has yet to rectify the problem. 

Below is the bullet list of past problem. 
1. I was given a list of requested documents that I turned in. 
2. I had to keep calling to see if was received and accepted. 
3. I was told I needed addition information. 
4.After sending in the additional information, I was told I needed more additional information. 
5. I get a letter weeks later that they canceled my loan. 
6. I had to call to get it restarted again. 
7.Underwriters requested more documents. I did n't even understand some of what was being requested. 
8 It was then requested I send my entire tax records of 2013. This was about an inch thick and very difficult to do. 
9 the requested more information that was already contained in the sent info. 
10. I re-sent information once again. 
11. I was told on at least XXXX occasions said this should be it, I just need a signature of something and we are good to go. 
12. I would end up sending more info. 
13.I would call again to learn they wanted more information. They wanted a break down, some rental accounting sheet that I did n't have. 
14. They have changed representatives to assist me at least 8 times. 
15. They occasionally call because of the complaints I filed with the CFPB but only state computerized responses and no help. 
16. Many times I was given a number for assistance but ended up in a maze of departments unable to get through. 
17. Towards they end, I was told I made to much for a loan modification, therefore I contacted the refinance department which stated I did not make enough for a refinance 18. Another representative suggested I default on my loan, ruin my credit to have a better chance of a modification. 
19. I was contacted by a representative who gets XXXX XXXX 's ( B of A CEO ) emails however she requested the same information and more, to which I can no longer go through and no longer trust the process. 
20. Bank of Americas only solution to rectify this problem is to have me restart the entire process.
The billing on this account has changed various amounts of times. The rates have changed. My identity was stolen. The College has not tried to resolve the issue they are just assuming I am completely responsible for the value and it is harshly affecting my reputation and credit score. I am unable to purchase certain items or obtain decent credit due to falsifying reports given by the Company. Per the law the companies are not abiding by the FCRA and verified any of the accounts but have " updated '' them on several occasions.
I was told by the hospital that this debt was covered under the indigent/charity program since I did not have insurance. You need to discuss this with the hospital as they have informed me I have a {$0.00} balance.
Account is listed as 120 days past due when it is current under the new service provider XXXX. I have disputed amount and is still reporting incorrectly.
They not only THREATENED to sue me on debt that is too old to be sued on, THEY IN FACT DID. Gemini Capital Group, LLC and their attorney XXXX XXXX ( XXXX, CO ) actively pursed a lawsuit against me on a debt they knew to be a Time-Barred Debt. The debt was a credit card account Gemini had purchased that was originally a credit card from XXXX XXXX XXXX. They completely disregarded the Federal and State Laws on debt collection practices, harassed me in XXXX County Court in Colorado, and attempted to even illegally obtain a judgement against me in XXXX County Court. I had to fight them for approx. a year against their illegal practices, and if I did n't, they were stampeding their way through the County Court in XXXX County Colorado with complete disregard of the FDCPA. In fact, they almost got away with obtaining a judgment against me, illegally so, except by shear happenstance of me learning of their activities within a XXXX Report I had acquired for other informational purposes. I was then forced to hire a lawyer to protect me from their pursuit of extorting monies from me for time-barred debt. They simply were n't going to back-off until they could bully me into paying monies that they were attempting to extort from me. They have a total disregard and cavalier attitude in regard to the FDCPA, and fully believe they can bully monies by their `` XXXX '' activities by misusing county courts to file lawsuits that are wrongful against consumers thinking they are above the law and can commit this criminal activity against naive consumers, out-lawyering consumers, and willfully and wantonly ignoring federal and state debt collection practice acts and laws that are in place to protect consumers.
I sent two mortgage payments instead of one by mistake. On XX/XX/2018 I called Select Portfoilio Servicing and requested the over-payment of {$2700.00} be returned immediately. The Rep for SPS said he would start the return process and I would have the money back in my account in 3-5 days. I said I needed the money sooner than that and he stated that was the best he could do. On XX/XX/2018 I called SPS Customer Service and ask why my money was not returned? The Rep stated they are waiting for me to send them my bank statement. I said there was nothing said to me about sending a statement or paperwork of any kind. I said I wanted to speak with a Supervisor or Manager and the Rep said theres no reason to speak with them as they will tell me the same thing. I had to demand to speak with a Manager. A supervisor by the name of XXXX XXXX came to the phone and said I must send them a copy of my statement and she would stay on the phone while I send her my bank statement. I sent her my bank statement and she confirmed she recieved it. She said she would handle the return of my money immediately. On XX/XX/2018 I called Customer Service again and ask to speak with Ms XXXX. I was told she was at lunch and a message was sent to her, to return my phone call that day. Its XX/XX/2018 and I STILL DO NOT HAVE MY MONEY! I called Customer Service again and ask to speak with Ms XXXX and I was told she was not available. It is very obvious this business is avoiding me by not returning my phone calls or my money as promised. I have now incurred several NSF fees from my bank and unable to afford the XXXX cost of medicine I need to purchase for my Son. This company and its employees have not only avoided my phone calls and request but also deliberately misled me with the handling of my case. ( I was actually told they need to contact the Federal Reserve for the return of my money )
Hello, I have been using my American Express Business Rewards Gold Card for nearly 3 months and have met the spending requirements to meet the promotional bonus. My Membership rewards was under review for nearly 2 months to make sure I have met spent requirements. I have spent well over 5000 dollars on this account and I am requesting my membership rewards bonus to be put into my account. I have been told a number of things from various representatives from XXXX and I am very disappointed. Thank you for your time reviewing this
On XX/XX/18 I began communicating with an individual about purchasing concert tickets for a concert that was taking place later that evening. After texting back and forth about specifics, such as price & seat location, and method of delivery ( electronic ), I asked with the best method of payment would be, XXXX or XXXX. He suggested XXXX, which I had seen on the Citizens Bank homepage, so I agreed, and was given the email address of XXXX, which I used to send funds to this individual via XXXX. I was purchasing two tickets for XXXX XXXX at $ XXXX/per ticket, so the transaction total was {$300.00}. The transaction was processed and my account showed {$300.00} had been withdrawn, however the individual I was purchasing from said it was never received. I later learned from the police man I filed a report with that this is a common tactic used by scammers to get you to resend the funds, but since I knew the funds had left my account, I did not resend the transfer. After sending multiple text messages to this individual and calling multiple times I realized that I was not going to receive the tickets, and I that I had just been defrauded. When I called Citizens Bank, who is partnered with XXXX, they said there was no type of report that they could file, there was nothing they would do on their end, and to contact law enforcement ( which I did that same evening, XX/XX/18 ). XXXX is listed on Citizens website as " A fast, easy, safe way to send and receive money '', but I now realize that there is nothing safe about it if there is any chance fraud is involved. The Citizens website also says that XXXX is secure- '' Transfers are protected by the same technology that protects your online and mobile banking '' -unfortunately in this case " secure '' does not equal safe. The recipient mentioned having XXXX XXXX, but I am not sure if that is the case. It was very clear that this individual was targeting people by using XXXX, and unfortunately the amount of trust I had in my bank prevented me from seeing through this scam.
Credit agency is reporting XXXX XXXX XXXX XXXX or XXXX as two months late for XX/XX/XXXX. XXXX was discharged in XX/XX/XXXX. Credit agency removed the debt in XX/XX/XXXX and added the debt back on to report in XX/XX/XXXX. I contacted CFPB in XX/XX/XXXXregarding this situation several times in XX/XX/XXXX and the reporting agencies made the changes, now it is being reported incorrectly again. XXXX was XXXX in my chp XXXX. I attached my full petition as proof in XX/XX/XXXX andXX/XX/XXXX of the discharge.
I used XXXX to sell XXXX bitcoin to a verified buyer on XX/XX/. The buyer paid me {$220.00} for the bitcoin I sold him/her via paypal. On XX/XX/XXXX, the buyer made a cashback request. I submitted 4 documents of proof of the transaction from localbitcoins including proof showing that the buyer has performed the same scam to quite a number of other sellers resulting in his/her account getting banned by the staff. I also submitted a note explained what happened. After review, paypal has returned the money to the seller and I was wronged. I called paypal explaining the situation and they said that they went through their bank. I asked paypal what bank the buyer went through so I could dispute it through their bank and Paypal declined to give me the information. I am extremely upset because I've provided more than enough proof and this person has and will scam a number of other people and paypal is only enabling this kind of fraud. This is a serious issue that needs to be addressed.
Equifax has allowed XXXX XXXX XXXX to delete, then reinsert a tradeline on my credit report without properly following the FCRA which states " the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. '' The consumer reporting agency is required to send the consumer written notification within five business days that the information has been reinserted and provide contact information for the company that furnished the information. And they are required to maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted. I have not received any written notification regarding the deletion and reinsertion of this account. This account has been disputed several times for not following the FCRA because this is not a valid account and I have signed no aggrement with XXXX XXXX XXXX that allows them to report this trade line on my credit report.
I have a  XXXX  student loan that is currently in repayment status. In  XXXX  of  2016 , my lender,   XXXX    XXXX , decided to transfer my loan to a new servicer : Heartland ECSI. My promissory note requires that my account information be provided to  XXXX  of the credit reporting agencies, and my lender requires that Heartland ECSI report specifically to  XXXX . However, Heartland ECSI has only reported my account information to   XXXX    XXXX  (  XXXX  ) time since becoming the loan servicer. Therefore, I believe   XXXX    XXXX  and Heartland ECSI has been in violation of the promissory note for fifteen  ( 15 ) of the last sixteen ( 16 ) mont hs. I have been in contact with both Heartland ECSI and    XXXX     XXXX  regarding this issue since late  2016 .
My credit card account is paid automatically from my checking account. The payment is scheduled to be paid on the closing date which varies between the XXXX-XXXX of each month. The XX/XX/XXXX statement due on the XX/XX/XXXX was made on or about the XX/XX/XXXX in the amount of {$3900.00}.

For reasons that seem to be unknown, a duplicate amount of {$3900.00} was withdrawn from my checking account XX/XX/XXXX, 4 days prior to the statement closing date leaving my account with a credit balance. The statement balance was {$1800.00} When I called on XX/XX/XXXX to inquire why the unauthorized withdrawal from my checking account, the representative was unable to explain how that happened. I requested the unauthorized withdrawal be returned to my checking account. I was told it would take 3-10 days to verify that Bank of America had in fact received the funds and to return the funds to my checking account.
I was a customer of Scottrade. Scottrade was hacked over two years ago and has done absolutely nothing to help. The identity theft insurance provided by Scottrade does n't work ( the phone number and sign up page will not access my information ) and even if it did work it is only for 1 year and is not retroactive. 
Scottrade was hacked over two years ago and Scottrade thinks it is appropriate to provide 1 year of NON-RETROACTIVE identity theft insurance that leaves a two year gap, where customer are uninsured and have potentially dealt with very serious cases of identity theft.
there 's a few reasons that I am making a complaint and I want a full investigation into these issues and inaccuracies. I know that when I dispute with the bureaus and creditors, they are required to put the required notice of dispute pursuant to section XXXX within 30 days. This was n't done and section XXXX states that the accounts can not report without this. These accounts must be deleted. 

On top of this, I 've disputed these accounts with the CRA 's and have clearly listed each of the inaccuracies that I 've encountered and nothing was corrected! How can this be when I 've pointed these items out? I know that I have rights under the FCRA and these items must be corrected or they must be deleted pursuant to section XXXX so why are they still on my credit report?! 

Here are a few examples : Experian is reporting different open dates than the other XXXX bureaus XXXX  is reporting a monthly payment on a charged-off account There 's no original amounts on certain accounts and I notified them of this and it was n't corrected There 's different or missing limts on XXXX on all XXXX bureaus XXXX and XXXX is reporting the XXXX accounts are currently 120 days late instead of transferred and I can not be 120 days late on transferred accounts and all accounts that are transferred must be reported as such I 'm attaching my identification, my most recent disputes and my credit report to prove these things.
I have disputed the late payments on this XXXX XXXX account for months. XXXX  and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Every year since XX/XX/XXXX, my Credit information has been mixed with my XXXX 's at all three Major Bureaus. I have the annual battle most every year. XXXX in XXXX is the most blatant offender. I am XXXX XXXX XXXX XXXX. I did sign documents as XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is also Legally Correct as my Identity. I 've never Identified or Signed or otherwise XXXX myself as other than what you read here. Banking, Legal Documents, Paychecks all have been with the XXXX as my NAME! In desperation in around XX/XX/XXXX, I started signing My Name as XXXX to XXXX PROOF my name and protect my Identity. Yet the Battle continues as this year too I am engaged and embattled to protect my Identity. My Wife and I have been Victims of Identity Theft close to or more than 6 times since around XX/XX/XXXX. 
XXXX XXXX reported me as XXXX XXXX XXXX XXXX. I 've requested to fix this through disputes. 5 ( maybe 6 ) Times?? The FIX ; now I 'm my dead father - XXXX. 
XXXX reports me as XXXX XXXX XXXX XXXX. After 2 USPS Letters addressed to my XXXX XXXX, which I wo n't open. & Phone Calls. An online dispute netted a resolution of an Email was sent to me in : my XXXX XXXX 's name. 
. XXXX XXXX : Still mixing my Info with my XXXX XXXX. idpute lodged, second response still the same. His name with a Credit report of his information about a XXXX XXXX XXXX he opened i XX/XX/XXXX. We went XXXX in XX/XX/XXXX, it was XXXX in XX/XX/XXXX .. Irt was closed by the Grantor in XX/XX/XXXX He XXXX in XX/XX/2009. Yet, it is still listed in MY CREDIT REPORT. 
Experian .. I did not receive a report in the Mail as requested ... YET. 
All there of these re [ orted my Wife and I as paying as agreed on accounts way past the Bankruptcy Discharge Date. Well past 10 years stl reporting falsely. 
I am unable to call or through the internet Experian to find out if my Wife or I either had been part of the Experian Recent foo pah .. 
Do you enforce the LAW? Please do ....
I had an account with XXXX rental out was paid off but still coming up as a negative on my report.
I have tried to have some hard inquiries investigated and deleted from your company as they are hurting my credit score and the excuse that I get is they are statement of fact. This is not true and your company has failed to do the job laid out by the FCRA. I want these inquiries investigated and deleted.
here is a list of inquiries on my report that should be investigated and deleted XXXX XXXX XXXX XXXX XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit reporting agencies will tell you that credit inquiries are just a statement of fact and can not be removed. This is not true. FCRA Rules state that any information can be disputed and must be investigated.
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Credit inquiries made without permissible purpose can be removed. Additionally, the FCRA states you can sue for damages in the amount of {$1000.00} for each instance a company pulled your credit report without your permission.
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Credit inquiries made without your permission can indicate fraud ; in which case the credit reporting agencies may put a fraud alert in your files. A fraud alert will make it difficult for anyone, including you, to access your credit report without your permission.
This company contacted me via mail saying that they were collecting a debt on behalf of XXXX for an account that is 3 years old that I never had. They said if I disputed this information to write them within 30 days and I did. I received another letter from them on XX/XX/2015 stating the same thing and to respond within 30 days. I have credit monitoring and on XX/XX/2015 less than 30 days they put this item on my credit report anyway after I have disputed in writing once. They never sent me any paperwork regarding this matter and they are wrong to report it anyway. I am not able to scan the letters they sent and that I sent but I am more than happy to fax them or mail them if needed. My credit is overall good and this account is seriously causing me financial distress.
I made a late payment to a signature credit line account in XXXX 2015 XXXX my fault XXXX and XXXX 2015 ( due to an error by a branch employee ). I have held the account for 10 years at an interest rate of approximately 9 %. In XXXX of 2015 the bank increase the APR to the penalty rate of 24.99 %. I called to get an explanation and they told me that my contract gives them the right to increase my payment after XXXX late payment. Per XXXX XXXX XXXX ( a ), " no creditor may increase any annual percentage rate ... except as permitted under subsection XXXX b ) '' parts XXXX of section XXXX b ) do not apply to my circumstances but XXXX XXXX ) allows for such an increase " due solely to the fact that a minimum payment by the obligor has not been received by the creditor within 60 days after the due date for such payment, provided that the creditor shall '' provide notice not later than 45 days prior to the increase stating the reason for the increase. I spoke to the bank but they asserted that their contract with me permits them to apply such an increase upon the happening of XXXX ate payment. I asked for a copy of my contract which they only agreed to send by paper mail. The bank only offered to " escalate '' the matter for me and stated that they could not put me in contact with a person who could provide answers on the matter.