WillisBack/dataset-financial-user-claim huggingface dataset:
I recently looked at my credit reports and noticed that this PLANET HOME LENDING , LLC reported 30,60,90, 120 day lates on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 

According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 

I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.
In XXXX an Associate came over to my home here in Florida from XXXX XXXX XXXX. We installed a home security system in our home. There were no problems in the beginning and all bills were always satisfied and paid in a timely manner. In XXXX a major storm hit our area and lighting struck our home a burned XXXX XXXX XXXX XXXX system. We made numerous phone calls to have the system repaired and or replaced but nobody ever came to make any repairs or replace the system. We called XXXX many times and appointments were supposed to had been scheduled but nobody would show. In XXXX and XXXX, XXXX. XXXX I checked my credit report and saw the XXXX had sold my account to a third party collection agency called Perfection Collection. I gave Perfection Collection and call to explain to them that I didn't owe this bill and that XXXX broke their contract by having someone come over to the home to fix and or replace the system do to a major storm and a lighting strike burning the system. The collection agent then stated, '' We don't care nor want to hear what you have to state, you must pay this bill today, or contact XXXX to figure this mess out with them ''. I again tried to communicate with Perfection Collection, but this was not successful. I then called XXXX on XX/XX/XXXX. XXXX to explain to them what has happened again, but the only option they gave to me was to call Perfection Collection because the account had been sold to them and there was nothing anyone could further assist in. 
I do not owe Perfection Collection or XXXX the total amount of {$1.00}, XXXX for services that were never provided. The amount owed began after the major storm occured and after the lighting strike the home and burned the unit this was not any amount owed before this time. I'm asking for this to be removed from my credit report because XXXX  and XXXX have removed this from my credit report, however, Perfection Collection thought they could try again with XXXX and know this is back on my credit when it was resolved with the other two credit agencies. I did report this matter with XXXX  on XX/XX/XXXX but they do not want to resolve this issue. I have been also getting over thirty phone calls per day from Perfection Collection on my business work phone. I'm asking for this matter to be resolved.
On, XX/XX/XXXX, I requested several times via Bank of America Privacy Assist Representatives and Supervisors to receive my credit scores from XX/XX/XXXX. These are the most recent credit scores following my cancellation of the Privacy Assist during XXXXXX/XX/XXXXXXXX. 

I have been told by privacy assist officials that they can no longer access my membership history because such history has been archived. However, I am writing to file a formal complaint to request the most recent credit scores that were sent to me by privacy assist during the month of XX/XX/XXXX. 

I was a member of privacy assist from XX/XX/XXXX to XX/XX/XXXX. I feel it is my right to have access to information and documents that were provided to me during my membership period, of which I paid {$12.00} per month. 

Additionally, I have learned that a lawsuit was filed against privacy assist for false advertisement and refusal to grant membership for the first 30 days of membership. It is my understanding that this lawsuit was settled back in XXXX. I would like to know if I am eligible to receive a fund for my privacy assist services for which I was billed from XX/XX/XXXX to the end of XXXX, the time frame of the lawsuit. I have called numerous times the telephone number that was give to me by a CFPB representative, but I have been unable reach someone about this matter. I would be most appreciative if someone could help me with this matter.
I responded to an online advertisement for an American Express XXXX XXXX  card offering {$200.00} statement credit for any purchase on XXXX and another XXXX XXXX XXXX XXXX ( XXXX ) miles after spending {$1000.00} on XX/XX/2018. After I received my new card, I sent some money on a XXXX flight on XX/XX/2018 but did not see {$200.00} credit on my statement. On XX/XX/2018 I called Amex and spoke to operator XXXX who promised {$200.00} credit in 6-8 weeks. XXXX also encouraged me to spend {$1000.00} on the card by promising that I would get XXXX XXXX frequent flyer miles ( I have the conversation recorded and can provide a copy of the recording if needed. Because of XXXX confirmation I used the card to send over {$1000.00}. ) However, after 8 weeks have passed and I called XXXX I was told that they are not going to honor their promise and that I was not going to get {$200.00} or XXXX miles. The excuse I was given is that I used to have a similar card in the past. I was also told to send a letter explaining the situation to XXXX. However, it has beed almost 2 months since I sent the letter and no response came.
I am paying my mortgage to Caliber Home Loans. I am a XXXX 's Hurricane '' XXXX Victim and was offered an special forbearance program by Caliber, where they allowed me not to pay rent for XXXX, XXXX and XXXX XXXX I could pay the escrow, it was fine if not no problem. I paid escrow for 2 months already. 
I am trying to do a refinance in my home. XXXX weeks ago I paid a car loan and a credit card, in order to get my XXXX XXXX little higher and get a better negotiation. 
my score was XXXX and today XXXX is XXXX. 
I checked all my reports with XXXX XXXX XXXX  XXXX XXXX and found out that I have Caliber homes as an adverse account.on all XXXX bureaus. 
talked to them and said that this is something I have to deal with the credit bureaus, not with them??? 
WHEN they offered me that program, I asked if that was going to affect my credit and was told no. 
I been receiving letters from their collection dept and called, just to make sure there was no problem and was told by XXXX people already that do not pay attention to that, because that was sent by a machine??. 
I do not know what else to do, but I feel that they are discriminating against us. 
I already filled a dispute with XXXX credit bureaus XXXX and XXXX XXXX. I probably will also file a complaint with the BBB IN XXXX. and XXXX I hope that you can help us with this situation. 
IAppreciate the attention to this matter. 
XXXX XXXX XXXX
Hi Bank of America HARD SELLS far worse than XXXX XXXX. 

B of A employees can BE RUDE and condescending ... not letting the topic go..and talking loudly about you NOT having an account for others in line to EASILY hear ... 

I wonder what CEO, at the upper level, is pressuring their staff to act like this??? 

Very selfish practices Region Locations are XXXX on XXXX and XXXX Oregon XXXX, XXXX Oregon area
Communication  sent to me states investigation started on  XXXX   XXXX  and completed  XXXX   XXXX . When I called to inquired, I was told investigation started on  XXXX   XXXX  and completed  XXXX   XXXX . Tranunion stated that this was inside of the 30 day window, when in fact it is not.
TD Bank offered an Introductory APR of 0 % for a XXXX credit card they provided. I began accruing interest charges after the 2nd billing cycle. I inquired about the charges via telephone and explained that I was supposed have a 0 % Introductory rate. They denied this and that they did not offer such a promotion so I requested to have my terms and conditions for the account emailed or inquired where I could view them on my personal online dashboard. The only option was to have them mailed which took 10 days. The mailed documents confirmed in the Interest Rate and Fee Schedule ( page XXXX, document XXXX ) that there is a 0 % Introductory APR for the first XXXX billing cycles for Purchases. I called them to inquire again about the unjust interest charges according to the terms and conditions of the account. They continue to deny that they offer such a promotion and have requested that I fax the Interest Rate and Fee Schedule ( page XXXX ) to them for them to review. Why do I need to fax it back when they just mailed it to me? The review process takes at least 5 days. All the while my account continues to earn interest when it should n't.
I had a loan with Hyundai Motor Finance ( HMF ). The account number was XXXX. I requested a payoff at the beginning of XXXX. I was given a payoff amount of that was {$13.00}?? more than I owed. I paid the payoff amount given and it was posted on XXXX XXXX 2015. Hyundai Motor Finance ( HMF ) indicated that a lien release would be sent within 2 weeks as would any excess payoff. By the XXXX of XXXX I had received neither. I called HMF and within XXXX days I received the lien release but not the excess payment. I again called HMF on the XXXX of XXXX and they said they would refund the excess immediately. I called again on the XXXX and was told that a check was sent on the XXXX of XXXX. As of the close of business today I have not received my refund. Please assist in having my refund issued. In addition I question if this is a typical practice of HMF and are there many, many customers who never received their refunds. 
Thank you for any assist you can provide. 
XXXX XXXX XXXX, KY XXXX
Hello, my name is XXXX I have since graduated from college in XXXX and I have accumulated XXXX federal and private loans mostly in private in loans. I graduated with a degree in XXXX and never got a job in my field, which was highly upsetting to me, but that 's not the issue. The issue is that Navient sold my debt to XXXX XXXX which is a debt collection company, I highly do n't trust, their website is just a simple enter your credit card and continue and they are even more impossible on the phone. According to my navient records I have XXXX loans with payments over XXXX in late fees which are ridiculous, which are XXXX of the entire loan itself. I have recently started making payments on these loans, but I know there is going to be an issue down the line with my credit on buying a car or a home and I ca n't have this over my conscience. I live at home at XXXX years of age only making XXXX after taxes working XXXX hours a week. How am I supposed to save any money when I have XXXX debt over my head. It 's frustrating and sad, and I just want it resolved. When I called Navient, to try and get everything taken care of again, they said that the debt collectors handle everything and took no responsibility for any help. It 's a private loan and no debt consolidation companies can handle that, which makes it even worse. I do n't know what to do anymore. Navient also showed that my loans for federal were paid off, and that was a lie as well, instead I called the federal student loan people and I have XXXX loans in default, and they garnished my tax return last year and I do n't want that to happen this year. I just want to be debt free, or at least a strongly reduced debt that I was manage and pay off like a credit card debt. I do n't want say I 'm a XXXX ( born in XXXX ) and that I expect everything handed to me, I do not. I work so much that I do n't have any time for myself and just want justice for me and everyone who has been screwed and harassed by XXXX XXXX, Navient, XXXX. I really hope the CFPB follows through, that we get justice, and that XXXX/whoever runs a cleaner company and makes money the right way, by working and helping a customer, rather than robbing them and destroying their credit. 

Thank you.
They are calling my employer every day after I told them they could n't call my work. Leaving messages, calling the front desk when I do n't personally answer, etc. XXXX ( caller id says XXXX XXXX ) and they leave this number in the voice messages XXXX. They have stopped leaving voice messages after i told them they ca n't call my place of work but they still call my work phone, my work 's reception, and speak to other people at my work to reach me.
I believe OCWEN LOAN SERVICING LLP has instructed XXXX to terminate my insurance policy. 

I am concerned that Ocwen LLP may have ordered XXXX to terminate my policy. All of XX/XX/XXXX Ocwen has vigorously attempted to destroy my credit and seize my property in spite of my 6 year perfect payment history and only failed to do so because of multiple CFPB complaints filed to report the actions they took. Please look into this. Thank you. 

Sincerely, XXXX XXXX Begin forwarded message : From : XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX ; Date : XX/XX/XXXX at XXXX PDT To : # XXXX XXXX XXXX XXXXXXXXXXXX Cc : XXXXXXXXXXXX Subject : Notice of Non Renewal Dear XXXX XXXX/ XXXX , I am hereby requesting in writing to receive a detailed explanation of why my insurance is being terminated. 

What is the exact number of claims allowed and how exactly did water damage claims exceed that amount, especially since we are reopening claims that were not completed properly the first time around. 

My concern is that Ocwen Loan Servicing may be calling the shots telling my insurance company what they are permitted to do and trying to control my insurance to an extent that may be illegal. Ocwen attempted to illegally seize my home immediately after posting {$76000.00} of Keep Your Home California money and {$5000.00} Hamp incentive that I was awarded for never being late, never missing a payment for six years since the XX/XX/XXXX Loan Mod. If not for the CFPB complaints I made immediately, Ocwen would have reversed the loan mod and called the loan due as they told me they were in the process of doing. 

I need you to confirm that Ocwen is not forcing XXXX to terminate my insurance. Will this action lower my credit score and make it difficult for me to refinance and escape Ocwen? 

Please send me proof that the number of claims exceeds underwriting guidelines. Are those guidelines written by OCWEN to protect Ocwen instead of the home owner 's property? In some conversations with Ocwen employees Ocwen seemed to be indicating that my homeowners insurance belonged to Ocwen, that I pay for it but it is to protect Ocwen 's interests, not mine. 

Thank you. 

Sincerely, XXXX XXXX Cc : DOJ XXXX CFPB
Reported debt that has not been validated or verified to the credit bureaus. 
Ignored the timely sent request to validate debt, continued calling after written request to cease all but written communications, and reported the unvalidated debt to all credit agencies.
Throughout the time of repayment for my student loans, anytime I had an issue with the size of my payment or was unable to pay. The  XXXX   XXXX  now Navient always advised a forbearance was needed to do in order to keep my loans in good standing. I was late once by 5 days i n   XX/XX/XXXX   due to m  oving from  XXXX  to  XXXX . They have refused to remove that one late payment from my   credit reports. Even though it was due to things out of my contro ls. ( My sp ouse passed away and I had to reloc ate ) Due to the  number of forbearance received s ince  XX/XX/XXXX  -  XX/XX/XXXX , my loan s have accumulated to over $ {$130000.00}. My original loan was from   XX/XX/XXXX  for {$ 33000.00} with  XXXX   XXXX  and my second loan was also     XXXX   XXXX   for {$28000.00}. My student loans went from {$62000.00}  In  XX/XX/XXXX , mont hly payments were {$570.00}, I n  XX/XX/XXXX , {$640.00} In  XX/XX/XXXX , {$800.00 } In   XX/XX/XXXX ,  {$940.00} And in   XX/XX/XXXX to today -  {$970.00} My loan value has never decreased only continued to increase even though I have made payments consistently since my last forbearance. I was unemployed several times during those 6 years, but did make payments even if only interest. In   XX/XX/XXXX , Nav ient suggested I consolidate my loans which would lower my payments. So I did complete the consolidation, which brought my loan amount to {$970.00} per month . In  XX/XX/XXXX  al one, they have capitalized interest in over {$12000.00}. Prior years the interest was roughly {$3000.00} - {$4000.00} total, for exampl e  XX/XX/XXXX interest was {$3600.00} total, was In  XX/XX/XXXX  it also tr ipled to {$120000.00}.     I struggle to make the payment each month, but I do n't want to call and ask for assists as they will say a forbearance is the only option again. They have been exceptionally rude and not interest in discussing my options. I do n't know many people who can make an almost {$1000.00} payment every month with the amount going up each year for the next 20 years. I do not believe my payments were posted correctly. Based on their system, I have my interest added then payments made in 10 years! I pay over {$11000.00} per year and they charge my account with over the total payments each year!!!     Navient has set up my student loans with so many forbearance that I will never be able to pay this off in my lifetime. I was never offered any other options. I tried income based for 1 year and they then told me I needed to consolidate.
XXXX & TRANSUNION IS REPORTING LATE PAYMENTS FOR AN ACCOUNT WITH XXXX XXXX XXXX FOR XX/XX/XXXX & XX/XX/XXXX. I HAVE NOT ONLY ATTACHED A STATEMENT FROM THE CREDITOR SHOWING THAT PAYMENTS WERE MADE. XXXX & TRANSUNION HAVE YET TO UPDATE MY CREDIT REPORT TO RETRACT THE LATE PAYMENTS. SEE ATTACHED.
Debt collector continues to call and harass me about something that is not mines I have went through proper channels to clear this and it was clear and debt not valid Now they continuously keep re-aging the information and falsifying things to the credit bureau. Twice I had to point out to credit bureau what the are doing which is illegal and it gets removed but they try again and again Originally they posted XXXX Then XXXX Now XXXX Constantly creating a negative re aging illegal
XX/XX/XXXX a purchase was made with my prepaid card for XXXX for a XXXX XXXX reservation. I never stayed there nor did i make the purchase. I contacted navy federal on the XX/XX/XXXXwhen i discovered the charge and was given a credit temporarily. They then took the credit back and told me to contact the merchant for a refund and they refused to refund me and told me to contact my financial institution to be refunded. I shouldnt be charged for a purchase i did not make.
In mid-XX/XX/XXXX, I received a collection notice from Diversified about a debt owed to XXXX. I was unaware the debt existed, but paid it nonetheless. I was just thankful that the Fair Debt Collection Practices Act allows individuals 30 days to address a collection account before it shows up on one 's credit report. 

Unfortunately, this account showed up on my credit report anyway ; even though I paid inside of the 30 days allotted. To make matters worse, I am in the process of purchasing a home, and the appearance of this {$110.00} bill dropped my credit scores 35 points and is now preventing me from completing my mortgage.
- I bought a XXXX computer for {$470.00} on XXXX/XXXX/XXXX - I received the product on XXXX/XXXX/XXXX, and returned the product 1 day later, that is XXXX. XXXX confirmed the receipt of my return on XXXX. 

- XXXX did not process my refund until XXXX/XXXX/XXXX after multiple calls from me to XXXX. 

- Since the refund was not reflected on my Citi Bank credit card, I asked Citi to check and they see no refund, while XXXX kept confirming they refunded already.
ATTORNEY GENERAL-XXXX Other XXXX XXXX, XXXX Open - 120-149 Days Late {$8000.00} XXXX XXXX XXXX Credit Card XXXX XXXX, XXXX Closed 1 Missed Payment {$7600.00} XXXX XXXX XXXX XXXX, XXXX Closed {$5200.00} XXXX XXXX XXXX Other XXXX XXXX, XXXX Closed {$4100.00} XXXX XXXX XXXX Auto XXXX XXXX, XXXX Closed {$3000.00} Equifax XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX, XXXX Closed {$2500.00} XXXX XXXX XXXX Other XXXX XXXX, XXXX Closed 1 Missed Payment {$1400.00} Equifax XXXX XXXX XXXX Credit Card XXXX XXXX, XXXX Closed {$1300.00} Equifax XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX, XXXX Closed 7 Missed Payments {$1000.00}
ENHANCED RECOVERY CORPACCOUNT NUMBER : XXXX XXXX XXXX, XXXX, FL XXXX : XXXX. Fax : XXXX Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify credit collection services or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : ENHANCED RECOVERY CORP INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXX SEC # XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
My Equifax credit report is substantially different from XXXX and XXXX reports, specifically there is a XXXX ( XXXX ) and XXXX ( XXXX ) point difference between this XXXX report and the other XXXX. I have tried to resolve this discrepancy with Equifax to no avail. I realize that differences will exist between the reports but I believe that this discrepancy is egregious and is having a horrible effect on my life.