WillisBack/dataset-financial-user-claim huggingface dataset:
Under HARP, I had negotiated a refinance with Flagstar Bank and received an email saying I was " Approved '' with a " Commitment Letter '' as attachments to the email in 2010. I also received a letter through the US Mail saying Flagstar Bank was " committed '' to helping me keep my home. However, before any payments could be made at the lower interest rate I received a phone call from Flagstar Bank saying the refi loan was not approved. 
I had never been behind on my payments and was not asking for a principal reduction, just simple refinnance to lower interest rate. After continuing to press the bank for two more years to lower the interest rate and live up to their agreement, I was finally forced into giving up the home. Had the payments been lowered with the refinance, it would have lowered the monthly payment by over {$200.00} per month, making it an affordable $ XXXX. 
Flagstar Bank has paid millions of dollars in fines for treating people like me in the manner i described and forcing them into foreclosure. I feel that I am due and eligible for damages from the monies they have paid for their actions.
I received an offer to apply for a XXXX XXXX XXXX credit card and if I spent {$2500.00} in 3 months ( I spent that in 1 month ), I would receive XXXX airline miles. I am told now since I had a card within the past 24 months, I am not eligible. I never received ANY notice of ANY kind that I was not eligible for the reward before or after applying. If, when I applied, I was told I would not get the reward, I would have cancelled my application. If, after receiving the card, I was told I would not get the reward, I would have never used the card.
When submitting a dispute they do not provide physical proof of information that show that the information they report is correct. So I'm submitting what I need in a cfpb complaint
I am writing to request that the account charge-off placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, I HAVE ALREADY SENT SEVERAL ID THEFT AFFIDAVITS I WILL NOT SEND ANYMORE, furthermore The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification Equifax and Experian and TransUnion claim to verified these accounts yet have not sent Any Verifiable proof, or proof of their investigation procedures. 
The XXXX Account was established in XXXX of XXXX The address attached to this account differs from the address I have lived at since XXXX The payments made on this car was drawn from a bank account that is not mine, this bank account was opened from an address that is not my address. 
The Co-signee on the accoiunt is NOT RELATED TO ME I do not know him. He is in fact of a different race.
There was an offer from American Express for adding authorized users on their XXXX XXXX XXXX XXXX for XXXX points after {$500.00} spending. I added my family member and the {$500.00} spending was completed in XX/XX/XXXX. 

XX/XX/XXXX : First contacted Amex regarding the bonus points. 
XX/XX/XXXX : Contacted again and was told to wait 8-12 weeks ( the spending was completed in XXXX ) XX/XX/XXXX : Amex made a note on my account for the delay XX/XX/XXXX : Amex opens investigation which could take 6-8 weeks XX/XX/XXXX : No update on the investigation. Told to wait XX/XX/XXXX : Claims Amex has " technical issue due to which the points are not posted '' and was told to wait XX/XX/XXXX : Was told they are working on it XX/XX/XXXX : Still working, they left a note on the account XX/XX/XXXX : Was told to wait ; claims they are still working on it. 

I have the statements for the spending and the promotional statement. Not sure why they are refusing to give out the reward points they promised.
Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Experian failed to send me evidence of the accounts in question XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX   ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL  ) XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL  ) XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX XXXX
This company calls my number every day, sometimes twice a day. They are attempting to collect a debt owed by the previous owner of my phone number.
To Whom It May Concern, The reason for my dispute is i HAVE repeatedly asked for proof of claim or documentation for the alleged accounts on my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. 
Also, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OH, allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  is held liable as well for defamation and in the state of OH a creditor is who collects their on debt is considered a debt collector under FDCPA.XXXX v. XXXX XXXX XXXX ( XXXX.XXXX-XXXX XXXX XXXX XXXX. ) citingXXXX v. XXXX XXXX XXXX XXXX ( XXXX.XXXX-XXXX XXXX XXXX XXXX XXXX XXXX ) I also believe that this business is not registered to operate in the state of OHIO. 
I expect this collection account to be removed from my credit report. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
My family made the decision to open a second bank account so we could have a local branch to make deposits, due to our main account being online based. We looked at multiple banks and decided to go with Key Bank because they had the best new customer offer. {$300.00} after 90 days with {$500.00} direct deposit. I went to the local branch in XXXX OH to set up the account. We discussed the offer and the criteria but the offer would not work in the branch. I was told I had to go home and set up the account online and then come back to verify the account. I completed those steps. 90 days later I had not received the {$300.00} for opening the account. I call the your customer service line and was told I had to make a single direct deposit of {$500.00} to qualify. The information I received at the branch differed. I was told when discussing the criteria that I had to make direct deposits totaling {$500.00}. I made a {$250.00} direct deposit every paycheck, 2 weeks, over that 90 day time frame totaling {$1500.00}, meeting the criteria in my understanding. I was told, because the account was initiated in the branch, to speak with branch manager, and after that her boss, then it was escalated to the district manager and they all said I did n't qualify. The also stated that it because the account was opened online they could n't help. Both departments blamed each other and pitched me between the two. No other solutions were offered. I acted on the information I was given in person at the branch. Had I had the correct information I would have deposited the {$500.00} as a single deposit. The employee who initially helped me now denies giving me incorrect information. On a personal note, we have a newborn and my wife is still on maternity leave so we were planning on these funds being available. This is putting undue burden and stress on my family.
On XXXX XXXX, 2015, I obtained a credit report for myself from Experian. The report shows XXXX potentially negative items & XXXXaccounts in good standing. 

On the same day, using Experian website, I started a dispute to remove a comment on my XXXX accounts with XXXX XXXX XXXX. Those were closed mortgage accounts but with a " consumer dispute .... '' noted on the accounts. They were all good standing accounts but with JUST one late payment reported and of which I did not agree. 

On XXXX XXXX, 2015, Experian sent me an updated report # 1. On the report, XXXX of the XXXX XXXX XXXX account, is NOW showing 15 months of 30 days past due and 1 month of 60 month past due. I called Experian and talked to XXXX who told me he would look into the matter. 

On XXXX XXXX, 2015, I got updated report # 2 from Experian. The negative items with XXXX XXXX from report # 1 were gone. But a new 3 months of 30 days past due and an unknown item now reported with another XXXX XXXX XXXX account. 

On XXXX XXXX, 2015, I called Experian and talked to XXXX who did not seem to understand my concern of the matter. I requested to talk to her supervisor and was told that the supervisor was not available and would call me back within 72 hours of business day. 

With no further response from Experian, on XXXX XXXX, 2015 I sent the company a certified mail requesting correction on the mistakes. And on XXXX XXXX, 2015 Experian sent me an another report ( # XXXX ). But the report is not updated and still showing the same mistake. 

I believe that Experian is responsible for the mistake as everything was okay until I requested the company to remove a 'consumer dispute ' comment from the closed XXXX XXXX XXXX accounts. Then incorrect information on the XXXX XXXX accounts are starting to appear.
I called GM Financial on Monday XX/XX/XXXX to cancel my auto pay for my auto loan. The representative I spoke with said the system was down but would submit the request and it would be updated within a couple days. I called back on XX/XX/XXXX to confirm the request had been made and when speaking with the representative she advised me that it hadn't but told me she would get it done and assured me the payment would not be drafted from my checking account as I had contacted them in enough time to have it stopped. On today XX/XX/XXXX i accessed my online account to see if the auto had been stopped and i discovered it was still active, which means the payment would be drafted out of my account on the scheduled due date of XX/XX/XXXX I immediately called GM Financial and spoke with a Representative about the issues she then advised me that it would take 10 business days to get it cancelled which contradict everything the previous associates told me as well as what is stated on the company website. I asked to speak with a Manager after 10 mins of hold I spoke with XXXX who acknowledged that i was told it would be cancelled but since it wasn't it was nothing she can do and advised me to put a stop payment on it through my bank which will cause me to have additional fees. my bank is going to charge me XXXX dollars to put a stop payment on my account. TOTALLY UNACCEPTABLE
This account was paid off early because it wa totaled and my insurance mailed the check to the company. This was in 2012
My problem is with XXXX XXXX handling my XXXX income direct deposits. Ive had the account for 3 years and havent had to report any errors. In XXXX my card was used with out my concent spending aprox {$440.00} dollars by the XXXX of the month. I made contact with XXXX XXXX to dispute the transactions. XXXX XXXX made 2 suggestions to complete the dispute request 1 via postal mail after signing their documents & the other my own document explaining my reasons in detail to my knowledge of the occurance. I have called multiple times and am advised that my faxed documents sent 2 times via fax have not been located or received. 1 by mail that also has not been located or recieved. Here its XX/XX/2019 and the disputes have been closed and not satisfied. This is odd being there was never additional attempts to contact me or allow other options to be sure my money is returned. The reps just seem to quick to not wan na rectafy the disputes in my favor. Please assist.
This company, Spring Leaf, formerly called American General showed up on my credit report as owing them XXXX. This company kicked me out of my house at XXXX XXXX XXXX XXXX an sold the house XXXX, than the manager called and said I qualified to a medication, a government HARP loan. they had already sold the I had a XXXX ( documented ) because of their behavior I spent XXXX days in the hospital because of them, this behavior violated my 4th amendment rights to the constitution against illegal search and seizure and my 5th amendment right to the constitutional they paid no compensation during the economical melt down
This is the second time in as many weeks that I can NOT get access to my credit report, I haven't done anything wrong but to try to access my credit report - FILE NUMBER - XXXX, I need access to my credit report so I can continue to monitor it!!
I had filed a complaint last month charging fees that I had restated my mortgage then they tried to charge after ...  XXXX  account resolution officer said it was fixed and you closed my case after you closed it they went back in and charged it again I attached   XXXX   statement showing correct   XXXX   statement they doubled the attkrneybfees and charged more fees ...
Please be aware the third party debt collector XXXX sold the account to found the account to be fraudulent. They have removed the items from my credit files, but XXXX has not taken the steps that are required by law to remove the account once it was found to be fraudulent. XXXX is violsting my rights. XXXX needs to remove the account from the credit companies they report to. I attached the third party debt collectors response to my complaint.
XXXX XXXX XXXX, XXXX, in XXXX Illinois is trying to collect on a debt that was under MIDLAND FUNDING LLC or MIDLAND CREDIT MANAGEMENT LLC This debtor was notified that I had filed for bankruptcy by my attorney I have tried to contact XXXX XXXX XXXX but always get disconnected and have now been served with a summons They are trying to sue for a debt that has been discharged by BANKRUPTCY MIDLAND FUNDING LLC was informed of my bankruptcy by my attorney and / or representative
Citibank misfiled my student loan account for the past 9 years under In School Deferment. This has caused my account to collect interest for 9 years without my knowledge and without Citibank attempting to contact me about a repayment plan. It wasnt until XX/XX/2017 that I was made aware of this situation when I was contacted by XXXX XXXX XXXX. I have since exhausted all of my options in an attempt to rectify the situation and contact someone through Citibank to help me since XXXX XXXX says they cant do anything other than give me account information. I need to be able to speak with someone at Citibank who can help fix my account since it was a mistake on their part having me listed under the wrong status for 9 years. XXXX XXXX had told me that $ XXXX/month payments are all that can be made or else my account will go into default. Seeing as how this is not my fault, and those payments are due to the total amount owed due to 9 years of high accrued interest rates, I need to speak with someone from Citibank as soon as possible. I have been given 6 different phone numbers to call for Citibank and each person just gives me another number to call and says they dont have any information regarding student loans.
I am having the most difficult time with Equifax, I recently received a copy of my Equifax credit report on XX/XX/XXXX. I have been calling them for the past two months ( XXXX & XXXX ) about fraudulent inquiries I do not recognize on my credit report. I also sent a certified letter on XX/XX/XXXX, requesting they delete 13 inquiries on my credit file. Equifax sent me a letter on XX/XX/XXXX regarding my dispute and advised the inquires are factual record and to contact the creditors. Equifax did not provide me with any verifiable proof that these inquires are factual, I asked in my certified letter that the send me verifiable proof. I understand that Equifax should n't be allowed to put an inquiry on my file unless I have authorized it. I also understand under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed. Equifax has not provided me any proof or resolution to my concern. 

Inquiries in question are : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
My original lender was for a debt of  XXXX  which was  XXXX   XXXX   XXXX .  XXXX   XXXX  cooperation debt was sold to  XXXX   XXXX .  XXXX   XXXX  tasked  XXXX   XXXX   XXXX .  XXXX   XXXX  brought a civil suit against me for the amount of  XXXX  and failed to follow through as a result, the case was thrown out and I am no longer liable for this debt. I have made contact with Equifax to have this removed. The debt is no longer mine and must be deleted from my credit report. Confirmation  XXXX  and  XXXX  was submitted in online disputes. I submitted a copy of the court record stating that the case was dismissed.
This account was settled and paid with XXXX XXXX  on XX/XX/16 in the amount of {$230.00} with a XXXX Representative by phone. Not only has the debt been paid, it also is reporting inaccurate on my credit report showing a balance of {$160.00} with an incorrect Credit Limit Amount {$230.00}. I have asked the Collection Agency to show validity of the debt as well as asking the original creditor to show me proof that this account is reporting 100 % accurately. I have sent these request into the Credit Bureaus, Creditor and Collection Agency and still no response or the items requested returned back to me.
Bank of America Please refer to complaint XXXX previously submitted for supplement information. 


Bank of America has provided inaccurate response on payment information and has again increased my interest rate for the 4th time in one year when I have never been late and am on auto pay.
child support showed up on my credit report. This was incorrect in the first place because I was on XXXX from XX/XX/XXXX-XX/XX/XXXX so they were not legally able to even go after me for child support at the time. 
Anyway. Eventually they closed the case as paid because they couldn't go after me in the first place, I was never subject to the debt. 
Not only should this not be on my report in the first place, but now it is really really old and still shows. 
it is on XXXX, Equifax  ( though Equifax says its from XX/XX/XXXX when I wasn't even born yet. ) and XXXX. 
It is just showing under " closed accounts '' but it reflects badly as it shows I wasn't paying and its very clear what it is for which reflects badly on me personally as well.
Improper contact or sharing of information probably best describes what happened. 

I received a call asking for someone who is n't me. I let them know I was not who they were looking for, but I wanted to know how my phone number was on their call list. 

The only response I received was : I 'm sorry, we must have the wrong phone number. To which, I asked, how exactly did my number end up in your system. 

I was escalated to a manager, and again, the only response I received was that if it was a wrong number, they will mark it as such. But they had no explanation for how they received my number. 

The manager tried to feed me some XXXX by telling me that it 's probably just a leftover reference from the old owner of my phone number. I informed him that I 've had my phone number for over a decade, which should put the debt they are trying to recover for beyond the statute of limitations in most states in the US. 

The manager offered to pull up the record and saw that the first time I was called was in XXXX 2015. That pretty much exposes the flimsy explanation the manager provided me in the beginning. 

In addition, a cursory google search shows that Portfolio Recovery Associates has been guilty ( and fined for ) of attempts at recovering debts beyond the statute of limitations in NY. 

I am writing this complaint to say that it looks like Portfolio Recovery Associates may not have changed their behavior and are likely continuing to try and recover debts outside of the legal limits. 

I do not feel their tactics are honest, and I am further in support of reform of the debt recovery industry. People should, without a doubt, pay their debts, but debt recovery agencies need to be held to greater accountability.
On XX/XX/XXXX, I called Equifax to find out about the resolution of a dispute that I could not view online, a derogatory mark of bankruptcy that is on my credit report. I explained to them that XXXX removed the negative remark from my credit report and that I wanted them to do the same. Equifax removed the derogatory remark from my credit report and then put it back on my credit report because it shows they did. So how is it that they cant remove it, which is what I was told. They explained that the mark would stay on my credit report for the full 10 years. It has been 9 years. I explained to them that the law says 7-10 years it will stay on your credit report, not just 10, and if one credit bureau can remove the mark then the other credit bureaus have the same ability. I have gone on their website to submit additional disputes and now there website is telling me that I cant file another dispute because my information that I'm entering in about me is inaccurate, which is COMPLETELY incorrect. I have tried to go through XXXX XXXX to submit a dispute in regards to this derogatory mark still being on my credit report and all there website does is redirect me to Equifax. I have called and spoken to several managers at Equifax to get this issue resolved and have had no avail. This mark has been on my credit report for 9 years. It's time for it to be removed. I have re-established my credit with credit cards, 2 mortgages, personal loans and several other lines of credit and have had them all in good standing. I have paid my debt for not being a good consumer initially and now that I'm responsible this should not be something that continuously holds me back from lower or better rates and or less interest paid on monies borrowed.