WillisBack/dataset-financial-user-claim huggingface dataset:
My agency recently conducted a background investigation on me that included a criminal and credit check. The credit report revealed a collections item from XXXX XXXX that is over 20 years old ( XXXX ) The debt was settled and closed several years ago. When I purchased my home XX/XX/XXXX, this debt resurfaced. I disputed the debt and had it removed from my report then. Now, nearly 10 years later, this issue is resurfacing. I work for a financial regulatory agency and fiscal responsibility is a condition of employment. TransUnion is the only Bureau that shows this item in collections. The fact that XXXX XXXX is allowed to report on an account that has been closed over 20 years AND TransUnion accepts this report is egregious. XXXX XXXX continues this post mortem debt reporting because they have not been held accountable. My employer is threatening removal if this is not resolved in 30 days. I need to get this matter resolved expeditiously and some level of assurance that XXXX can not continue these predatory practices.
I have a PLUS Student Loan serviced by Navient. I graduated in 2013 and since then my monthly bill has been outrageous. The loan is in my mother 's name since I was not allowed to take out a Federal Loan in my own name at the time I enrolled college. Because it is in my mother 's name my monthly payment is calculated taking into account BOTH her yearly income as well as my father 's yearly income as both of my parents are married. Unfortunately, with their bills they can not pay my student loan and I am forced to pay not only my loan through Navient but also by Subsidized and Un-subsidized loans through the Department of EDU - Federal Direct Loans. I was given no help to navigate through this by Navient and was even hung up on after many attempts to contact them for help to try and consolidate the loans under my name to lessen my monthly payment. If there is any help you can get me regarding this situation, please let me know.
XXXX XXXX acct # XXXX I pulled a copy of my credit report and XXXX reported a collection item for XXXX XXXX XXXX. i paid the hospital and even received a refund check from them for over payment. I have attached proof. This has damaged my credit.
I received a temporary modification via which the interest rate I am charged during the interest only period of my loan was more or less fixed. The interest only period will end in XXXX 2016 and the loan will become fully amortizing in XXXX 2016. Since I am permanently and totally XXXX and my income is not likely to increase I will not be able to make the fully amortizing payment beginning in XXXX 2016. I contacted Wells so that we could begin the modification process well before any potential delinquency. Unfortunately it is beyond clear, based on statements made to me by Wells ' employees, that they are either unable or unwilling to address my actual circumstances. I was expressly told yesterday that Wells would evaluate my information to see if there has been any change in circumstances since the temporary modification was made even though I am not requesting a modification for anything except the fully amortizing loan period. In effect, I am being told there is no point in my submitting any information since Wells is unwilling or unable to understand the fairly simple nature of my request which is to modify the fully amortizing loan terms scheduled, by contract, to begin in XXXX 2016. Simple math is sufficient to understand that I will NOT be able to make the fully amortizing loan payments nor do I wish to wait until I am already seriously delinquent which will happen beginning in XXXX 2016. Since first contacting Wells I have been told that I have a single point of contact and was told yesterday that I will be assigned a single point of contact. In any case what I need is to speak with someone who actually understands I am being proactive in the hopes that I can, inter XXXX, not become delinquent and not have to engage Wells Fargo in litigation to process what is, at present, a simple request. Because the nature of my XXXX involves having XXXX which has XXXX and because the XXXX any attorney from representing me in negotiations with Wells I am reaching out to the CFPB for assistance. I will also note that NONE of the " HUD counselors '' actually offer assistance and, instead, provide " workshops '' or what amounts to cheerleading neither of which constitutes any actual assistance in my case. While I realize, especially after having worked as a legal aid attorney, that most consumers do not seek assistance until they are seriously delinquent I do not believe that is prudent or in any parties ' best interests. Accordingly I am hoping that CFPB can assist me in reaching someone at Wells who, like me, sees the benefit of assisting me proactively and taking meaningful steps to ensure we do not wind up in litigation.
My name is XXXX XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX , XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies : XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
Equifax refuses to delete multiple unauthorized inquiries from my credit report. There are multiple inquiries from the same company. The unauthorized inquiries must be deleted.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
I was applying for a new credit card answered every question then it said log in to another bank account to confirm something so I loged in and it said that I would not be aloud to use my bank with any other apps.
Twice, this company has marked my account as " in deficit '' and sent my information to collections agencies, as a result of their own lack of organization in processing payments. 

My auto loan account has been set on automatic payments ( through my own bank, which is larger and more reputable than Fifth Third ) for several years. Every automatic payment has gone through without a problem, and yet twice already this year, Fifth Third has claimed they did not receive my payments. When I checked with my own bank, they were able to confirm that the checks had been sent on time, delivered on time, and cashed by the recipient. However, Fifth Third failed to credit my account and marked me delinquent. Without contacting me, until after they reported my information to collections. The first time it happened ( in XX/XX/XXXX ), they told me there was nothing they could do and refused to accept numerous forms of proof that the payment had been applied. To guard against this recurring, I set up my payments to have additional confirmation and increased the amount of payments to 20 % more than the monthly amount owed. 

This seemed to work fine for a few months, but again in XX/XX/XXXX they failed to credit my account and did not notify me until I began getting robo-dialed calls ( who promptly hung up when I answered ) during my vacation, about five times a day. I did a reverse lookup on the phone number and it showed up as Fifth Third Collections Department. I called the bank directly and asked to speak with someone who could explain what was happening. Their customer service phone system repeatedly dropped my call and I had to give my account information about five times before one rep promised to escalate the issue. He then placed me on hold for several minutes, and hung up on me. As previously, the reps could only tell me that they had no record of the latest payment and I had to pay a late fee on top of doubling my payment ( which I can prove had already been cashed by them. ) They offered no further solution, or any means of escalation, until I asked repeatedly. I had already checked my Fifth Third account online, and there were no prior messages, alerts or warnings that the payment had not been posted. Just a late fee, which had been applied two weeks after the payment was cashed.

Not only is Fifth Third clearly processing payments in a disorganized and unsecured manner, but their apparent standard operating procedure of sending accounts to collections without notifying customers or seeking solutions that won't negatively affect a customer 's credit rating is unethical and just poor business practice overall. 

When I tried contacting Fifth Third regarding this issue, several times, by phone and email, all I got was a form reply telling me that I could contact Collections to pay my bill.
Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a XXXX Validation letter with HIPPA requirements to XXXX. I had my XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was validated wrong by XXXX. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of XXXX and Pendrick Capital Partners. Because neither collection company is abiding my Texas FDCPA.
In mid XX/XX/XXXX a check was unexpectedly bounced. Upon logging in to online banking it was discovered that 11 forged checks amounting to {$4700.00} were cashed each of which had a forged signature. We promptly notified the bank and visited the local branch in XXXX XXXX California. The staff provided us with 11 packets to claim the fraudulent activity and additionally instructed us to return the documents along with a police report and a notary stamp on each packet ( one for each forged check ). The banks notary informed us that my drivers license was expired and I would need to obtain a new copy before notarization woyld be feasible. Over the course of the next few months I was able to get the documents notarized and returned to the branch on XX/XX/XXXX. During the course of this time we continued to stay in contact with bank staff who regularly and casually mentioned to bring the document in at our convenience, however upon submitting, the branch manager informed that the docs were now past the '90 day due date ' and would likely be declined. About a week later they further informed that it was not 90 days but rather 60 days window for submitting and that we should have been aware since this is mentioned in their sign-up package. Furthermore they explained that the bank where the the thief cashed the checks would need to refund them ( Bank of the West ) the stolen money and placed responsibility on the paying institution. The sum of XXXX XXXX dollars is a significant amount of money for a family. Bank of the West treated this event ( the theft and their failure to block forged checks ) as a minor blip in day-to-day protocol. They take zero responsibility for thebfailure of their services and show disregard for the fact that a criminal has compromised the system. They demonstrate a complete lack of urgency or regard for the protection of consumer 's hard earned money and have put a family in a situation where mortgage can not be paid. In the opinion of this customer I wonder what the purpose idea check is considering how easy it is to forge a signature and cash nearly XXXX XXXX dollars. The bank should have made it abundantly clear that a deadline was approaching and coached us through the process of refunding our money that they paid out to a criminal. Their actions indicate that theft is easy and will only contribute to increased theft of checkbook and forgeries. The bank is insured and has multiple means of recompensation - the consumer is left to perform their legwork, incurr the costs of notarization etc meanwhile they continue to operate at the lowest possible standards. We need our money refunded without hesitation and ask only for our money at this point - we are willing to put aside the mental anguish this has caused and would like to suggest that Bank of the West promptly rectify this situation.
Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I XXXX XXXX XXXX XXXX XXXX   XXXX Credit CardXXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXXInquiry from XX/XX/XXXXXXXX XXXX Closed : XX/XX/XXXXXXXX XXXX XXXX Closed : XX/XX/XXXXXXXX XXXX Closed : XX/XX/XXXX $ XXXX XXXX XXXX XXXX - XXXX XXXXNeeds Attention Last reported : XX/XX/XXXXXXXX XXXXNeeds Attention Last reported :XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking  fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX ss XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I have sent the company  XXXX  certified letters, 31 days apart. Both bearing signiture verification. They have not validated my account bearing my signiture. The account is marked " charged off '' on the report and sold to  XXXX   XXXX .   Both companies have yet to provide any validation bearing my signiture.     After 31 days they did not update my credit report to show " consumer disputes per FCRA '' and will not remove it from my credit reports. It is hindering my ability to get credit.
The credit card from XXXX XXXX XXXX is not mine. I do not think it is fraud because I called them and they can not find my name or personal information in the system. It is simply a mistake. They put someone else ' s information on my credit report. It 's been there for years. Fortunately whoever has this credit card is paying it timely, but it 's not mine! How can I get this removed from my credit report?
I was told by the creditors customer service representative that as long as I made the minimum payment due that my XXXX credit card accounts would be brought to a current status and would be in good standing. This was a lie when in fact my credit cards were both in a permanently restricted status. No matter how many payments I make towards the debt I will never be able to use my cards again. 

I have been called many times since I became late on payments due to financial hardship and no one ever informed me of this fact. They waited until after I made a payment to bring my accounts " current '' to post on my online account that my cards are permanently restricted. 

I was blindsided and completely mislead. I thought I was going to bring my accounts into good standing when this was not the case. I refuse to be manipulated and lied to into making payments under false hopes and false pretenses.
FICO Score History Date Fico Score ( as Reported by XXXX  ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX How can someone trust this report which fluctuate without any wrong doing by a consumer? Can XXXX  attribute thygose score to the already settled collection ( XXXX XXXX, XXXX )? Eradic reporting resembles a torture of consumers.
I HAVE APPLIED FOR A LOAN MODIFICATION WITH WELLS FARGO. WELLS FARGO COMMITTED MANY ERRORS IN THE LOAN MODIFICATION PROCESS AND FORECLOSURE PROCEEDINGS WITH MILLIONS OF HOMEOWNERS. WELLS FARGO SETTLED WITH STATE & FEDERAL XXXX AND PROMISED TO CLEAN UP THEIR ACT. THE HORRORS CONTINUE. WELLS FARGO HAS DELIBERATELY INFLATED MY INCOME IN ORDER TO ISSUE A DECLINE AND TAKE MY PROPERTY IN FORECLOSURE. WELLS FARGO ISSUED A DECLINE LETTER AND BACK DATED IT TO XXXX XXXX, 2016 AND I RECEIVED IT XXXX. MY INCOME IS MY WAGES $ XXXX, XXXX XXXX {$720.00} + XXXX SOCIAL SECURITY {$830.00}. THIS TOTALS {$3000.00} PER MONTH. WELLS FARGO INFLATED THE INCOME TO {$4200.00}. THIS WAS AN ARBITRARY ACT & THE INCOME THEY FABRICATED IS WITHOUT SUPPORT
XXXX XXXX violated the FDCPA a several ways.. 
1 ) On XX/XX/2018, XX/XX/2018, XX/XX/2018 I contacted XXXX about me disputing this account. Each time afterwards I received back to back calls from them. 30 minutes apart for 5 hrs. 
2 ) On XX/XX/2018 Mr XXXX from XXXX yelled at me, threatened to sue me, told me I was a liar. 
3 ) On XX/XX/2018 XXXX called and when my boyfriend answered they gave out personal information on the collection account. 
4 ) XXXX will not provide verification of debt after it has been requested 5 times. But XXXX XXXX (? Think given flake name ) verified they had received the request from me.
In 1996 I opened a prima bank services account with no monthly service charge at a Bank of America branch The agreement provided that as long as I had a minimum balance of {$5000.00} I would not be charged for my standard safety deposit box. For twenty years Bank of America has lived up to the contract. However yesterday I received an invoice for the safe deposit box for {$75.00}.
XXXX XXXX, 2015Institution Name : U.S. Bank ( XXXX Office ) Account/Product Type : Checking/SavingAddress : XXXX XXXX XXXX XXXX XXXX, IL XXXXU.S. Bank has been defrauding me. U.S. Bank began showing different account balances than what was actually in my account and causing me to write checks, withdraw money and incur over-draft fees because the balance that the bank would show ( after all withdrawals ) was not accurate. I began to notice that this was a pattern and had been going on for approximately XXXX-months so I closed my accounts with U.S. Bank and opened a checking account with another bank in XXXX, 2015. I notified Social Security and U.S. Bank well in advance. U.S. Bank received my check from the social security office on XXXX/XXXX/15 and is holding my check. As of today, the only check that has deposited into my new bank account is my XXXX/XXXX/15 check. Last month I notified Social Security that U.S. Bank is holding my check. As, per the Social Security Administration ( XXXX Office ), U.S. Bank is to return my check to them. Apparently, U.S. Bank is still holding my check. People on fixed income need their checks. I went over a month without a check because of U.S. Bank! This caused me to incur major setbacks, and I still do not have my XXXX check. I want an investigation into U.S. Bank, I want my check, I want U.S. Bank to cover all expenses incurred by me, and I do not want any further communication from U.S. Bank
Bonneville Collections in XXXX Idaho refuses to provide me with the names of the original creditors and the amounts so that I can verify the debts. All they will provide me with is the total amount due and no names of original creditors. They refuse to do so saying that they do n't have my current address and until they have it they will not give me that information. I have a recording of our conversation as proof of this refusal to provide me with the information.
reporting company 's investigation into an existing problem We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT " The story concerns the Pick-a-Pay loan program, one of the more toxic mortgage offerings during the housing bubble. These loans offered a variety of different initial payment options for borrowers to choose : a sum corresponding to a 15- or 30-year fixed rate loan, an interest-only payment, or a minimum payment that created negative amortization, where the principal balance would actually increase with each passing month. Borrowers naturally trended toward choosing the lowest payment. But they were never told about the implications, and when the pay option expired, their monthly mortgage bill would skyrocket, usually leading to default. These were not loans, but neutron XXXX with a long fuse. And roughly half a million borrowers took these Pick-a-Pay loans under false pretenses from XX/XX/XXXX-XX/XX/XXXX. XXXX XXXX and its subsidiaries sold the loans, but when XXXX XXXX bought XXXX at the end of XX/XX/XXXX, they assumed responsibility for them. Homeowners began to complain when the payments shot up, and law enforcement started investigating as well. Because Pick-a-Pay loans were designed to fail, and because XXXX never disclosed the consequences, XXXX XXXX was liable for violations of multiple consumer fraud statutes. '' My Complaint : Even to this day your company allows XXXX XXXX to continue to stand behind their predatory lending practices, but what they have not provided are a few facts about my case that I think they should know. I initiated litigation proceeding against XXXX XXXX back in XX/XX/XXXXXX/XX/XXXX when their predatory lending practices came to light. The home equity loan was an instrument of XXXX Pick-A-Payment home loan, which was transferred in XX/XX/XXXX under Account XXXX while litigation were still proceeding and without notifying me or my attorney of this critical piece of information. Critical, as the loan transfer released the primary home as collateral positioning XXXX to continue there ruse of a home modification in the works while clearing away any foreclose obstructions. my home was then foreclosed on a short time latter as there was no modification being worked out, so you see you 're being duped just as I was and your now going on record as supporting a loan that was identified by the Attorney General of multiple states as a predatory loan ... Congratulations!
There is a hard inquiry on my credit report which I did n't authorize. The inquiry appears XXXX and is from a company called XXXX XXXX XXXX, XXXX. I was told inquiries can only be removed from the company who placed them on the report. I called XXXX XXXX XXXX , XXXX and was told they pulled the report for XXXX XXXX XXXX. I have a document which indicates this was for an application for a Home Loan. I never applied for a home loan. The application does n't have my signature and is not dated.