WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I received an alert notice from XXXX XXXX XXXX, an XXXX company. They had received a report from XXXX regarding negative activity on my credit report ( attached ). It states that XXXX XXXX had reported my account with the as " Bad Debt '' and " Placed it for collection. '' On XX/XX/XXXX I received an alert email from XXXX ( attached ) that my FICO rating had changed. My XXXX account details ( attached ) show that my credit score dropped 60 point on the XXXX of XXXX and recommended I contact TransUnion. 

I have contacted all three credit bureaus and filed disputed with XXXX and TransUnion. XXXX referred me to XXXX as the reporting bureau. I will, however, re-attempt to file a dispute / notification with that agency. 

I dispute the negative impact of the " Bad Debt '' classification and the referral to a collection agency, XXXX XXXX, XXXX. I was never informed that such a step was being considered or given an opportunity to payoff my balance with XXXX XXXX, which I would have done. My credit reports ( XXXX XXXX is attached ) document an unblemished 81-month payment history. I also have routinely paid twice the minimum required monthly payment amount. My latest statement is attached, and I can provide two years of statements if needed.
XX/XX/2017 American Express sent me a letter stating they were closing my account. This letter was sent weeks after my account had already been closed, account restricted and reward points confiscated. Despite all this, I still had several billing errors under investigation prior to and after the improper closing of my account. Ignoring the fact American Express closed my accounts based off information they were made aware of several times was the result of identity theft, the accounts were still closed despite billing disputes still being active. With the accounts closed American Express began demanding immediate payment despite the remaining balance being due to billing errors which were under dispute. According to 1666.  Correction of billing errors prohibits a creditor from attempting to collect a debt under dispute, including sending billing statements unless the account has been closed. The statute further continues to state " Restricting or closing by a creditor of account regarded by obligor as containing a billing error. Pursuant to regulations of the Board, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligor 's failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligor 's account the amount indicated to be in error. '' Yet, American Express vioalted this law and closed my account prior to providing any notice or fully investigating the billing disputes.
Today XXXX I found out that Equifax info was stolen over a month ago and they are just now telling consumers. It is unacceptable that Equifax waited for over a month before notifying the public that this happened. 

I followed the link provided by Equifax and by submitting my info, found out that yes, my info was potentially exposed. Equifax told me to return to the website on XXXX to provide more info. They also told me to remember that date, because they would not be sending me any reminders. 

My complaint is this. 
1 ) why is the onus on me the consumer to look up and see if I am affected? They already know who is affected and they should act on that info 2 ) now that I know I 'm affected, why do I have to initiate anything? They should automatically turn on whatever free credit monitoring service that are offering 3 ) why do I the consumer have to remember to go back to their website to complete the process? 

All of this should be taken care of by them, Equifax, without me having to ask, without me having to remember, without me having to complete a multi part process. 

Thank you
I have been fighting for my home for 8 years now. It all started off with predatory Lending.From XXXX In XX/XX/XXXX I made XXXX and was approved for XXXX loan which I did not see the money. then in XX/XX/XXXX I received a foreclosure notice. I file for bankruptcy in XX/XX/XXXX until XX/XX/XXXX. then I lost my job. ( From XX/XX/XXXX until XX/XX/XXXX my bankruptcy attorney and XXXX Attorney took my house payment they said in " Good Faith ) Then in XX/XX/XXXX I found out they had sold my house to a new lender ( XXXX ) then in XX/XX/XXXX when XXXX tried to evict me and the judge told them they could not evict me because they had sold my home while I was in a stipulation to stay in chapter XXXX bankruptcy. I recieved a Quit Claim Deed and the house was transferred to me for XXXX ( XXXX ) amount. then when I went after XXXX in Federal Court they could not prove ownership ( and neither could XXXX ) my case was dismissed with Prejudice ) and I Remained in my home. In the county Records it states that the home is mine XXXX transferred it to me. Now their is Wilmington trust and XXXX that claim they are to new own and is the note holder the problem with this is there is two different NOTE and the DEED OF TRUST that they have states pay without prevision to XXXX. now Wilmington Trust and XXXX is trying to take my home through Summary Judgement. And they are not a trust connected to my home. The loan number does match and a XXXX for Wilmington Trust stated to me that 'They are the Big Bad XXXX Boys From California and they will get my home '' Im sure that Wilmington Trust has been hit with all kind of housing, deeds and Note fraud. I just want someone to hear me.
I opened a new savings account at SunTrust Bank on XXXX/XXXX/XXXX with {$2000.00}. On XXXX/XXXX/XXXX SunTrust made an unauthorized withdrawal from my account in the amount of {$1300.00}. My inquiry revealed that the reason given by the Bank was to recover disputed funds dating from XXXX. 
Given that these funds were disputed, the Bank has no legal right to act in this manner. The Bank could have brought legal action if it felt it was in the right. That it did not do so shows that the Bank felt it did not have sufficient evidence to support its ' claim. What the Bank did is equivalent to theft. If I entered someone 's home and took something because I thought that the owner owed me money, that act would be illegal and would be considered theft. 
I would request that the CFPB instruct the Bank to return the funds to my account, and advise them them to bring legal action if they wish to pursue their claim.
I XXXX XXXX had a XXXX credit card and I fell back in 2016 and broke my ankle and I was out of work for a long period of time and I am now getting SSA from the government / social security and I have a company that is taking me to court for this debt. they threaten to make me pay XXXX that I do not believe I owe and I now have court paper were they are taking me to court.
I purchased a vehicle though XXXX XXXX auto financed company is IDA loan agreement started in XX/XX/XXXX and I did not get a tag till late XX/XX/XXXX due to the inconvenience IDA was going to give me a deferment on my loan which that never occur I have run a month behind ever since because I was under the impression that it was granted my vehicle was reposed because they are saying now that am two month behind, I requested to speak to a manager in several occasions and no return call, I also send emails and no reply. Last Friday my vehicle was not in the parking lot where I parked it when I called them they transfer me to a Mrs. XXXX repo manager now she is saying I have to pay the loan in full if I want to retain the vehicle. I don't have those funds available and how is that my fault when I have try to communicate with them in numerous occasion and they where not responding to my plead.
I am making payments on my.car and found out though my credit report they are not on their along with my other creditors.So i just need to know what to do about this matter.They are not reporting my payments to the credit bureau. 
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Multiple calls and now a mailed invoice from Capio Partners LLC that claim I owe the XXXX XXXX XXXX a {$50.00} co-pay. I do not have a {$50.00} copay with the Clinic any copay I have is in the amount of {$35.00}. I called billing at the clinic and was told I owe nothing. I want Capio LLC to quit harassing me.
I opened an account online with a promo code that promised {$300.00} incentive with first deposit of {$500.00} or more. My account was blocked and even after I submitted the required info my account was still not unblocked. Very unhappy with Key bank processes.
I got a mortgage in XX/XX/XXXX from TCF Bank, I signed up for the " Command Protection '' which was explained to me as a job loss protection insurance policy. My mortgage person explained to me that in case of job loss TCF would make payments until I had obtained other employment. Of course to an extent, but it was some assurance that if something did happen and I did lose my job TCF would work with me. The charge for this was {$32.00} per month. Well in XX/XX/XXXX the unthinkable happened. I was a XXXX  XXXX for ten years with a local Michigan department. I was unlawfully terminated by a corrupt police administration. If you doubt me there is a current court case against the department brought on by 3 XXXX XXXX   who were unlawfully terminated by our department. I applied for unemployment however myself and other officers were denied by my XXXX XXXX department. My family was in a tough spot, however we still made our mortgage payments. In XX/XX/XXXX I called to ask if TCF could help us with making one mortgage payment and to see if some of our late fees could be waived. At first the customer service rep said not to worry that we were covered by the command protection. She said I could get some fees waived and I could get back on track no problem. She gave me a number to call, however I left repeated messages and never got a call back. After a week I called back the original person I had talked to. She now said I didn't qualify because I wasn't on unemployment. Well I explained to her that I was denied. Luckily around the same time, someone made an offer on our house and we sold it otherwise we probably would have gone into foreclosure. I complained to TCF about why I was paying {$32.00} per month for something sold to me as job loss mortgage payment protection, and then when I need it I did not qualify! I asked for my money back since XX/XX/XXXX because since it seemed like a scam and I couldn't use it anyways, they said no way would they give me any money back and in fact charged me {$32.00} one more time before my house sold! I want all my money back for this useless " Command Protection '' product and the public should know that it's almost impossible to get any help from TCF Bank if you run into problems paying your mortgage. If they would have helped us out on just one payment, it would have meant the world to me and my family, but they couldn't even help us one bit. I want all my money back. Over the course of my mortgage, I counted up {$6100.00} in " Command Protection '' fees that I paid for a service / protection policy I could not use. TCF will lie and say it's not " insurance ''. My mortgage rep called it insurance and sometimes on my statement it was described as insurance. This " Command Protection '' was explained to me as a protection for me and my family NOT an extra income stream for TCF Bank. I have my statements to show the charges that I can email. The statement was too big of a file to upload here on this page.
Recently, American express increased ( XXXX ) my interest rate because of a supposed penaly APR due to late payments. They said that I made XXXX late payments ( none more than XXXX days late ) and I have no choice but to pay the additional monthly interest of about {$170.00} per month.I called them to discuss and even got a supervisor to try to get this turned back to the old rate.. They showed absolutely no empathy and were basically saying tough. I even offered to have the montly payments automatically deducted so their would be no future lateness. Again, they could just care less. I was absolutely furious. 
This credit card was in my business name, The XXXX XXXX. My company went out of business in XXXX due to the Financial crisis. I could have just filed bankruptcy and avoided paying any of my creditors but that is now how I am made up. Its a principle with me to pay my debts. Since this time, I have never missed a payment. I am intent on paying them every last dime that I owe them. My question is this : I am a working Mom with XXXX children to support. I am struggling to just get buy. In XXXX, American express cancelled my card because I did not get them my tax returns in the XXXX weeks time that they stated I needed to, and this just out of the blue. I never signed anything with Amex agreeing to pay a penalty APR. I can understand late payment fees, but how can someone just double the interest rate? I thought Loan sharking was illegal? I thought the credit card act of 2009 made it illegal to change the interest rates on existing balance? I see Amex lost their contracts with XXXX and XXXX and it looks like they are desperately trying to increase their profits at the American consumers expense. This process of penalty APR 's is absolute predatory lending, is completely unfair and is just morally wrong. I can not believe for a moment that this type of conduct can be allowed. I basically have a choice, either pay them this extra money or buy groceries??? I paid them the normal payment of {$300.00} on XXXX. I can not and will not pay this extortion APR. While making the payment on the phone with them, I was actually berated by their rep because I was not paying the " penalty '' This is ridiculous. I am hoping that you can intervene in this situation and get my interest rate back to where it should be. But even more than that ... I am hoping that you can do something to stopn doing this to other people. People who are struggling sometimes make late payments. They pay the price with late fees. Doubling the interest rate and " penalizing '' these same people is unconscionable. Something needs to be done to stop this! I am going to write all my Senators, congressman and alert every single media, news and internet provider out there to put pressure on these monsters so this strops. Its just completely Unamerican and if it is not illegal, it should be. Consumers need to be protected from these people. If we can not rely on the CFPB, then who? Thank you so much for your attention to this matter.
I talked with a loan rep about doing a lot construction and permanent loan. He assured me with my VA status it would be no problem. Also I would not need to put anything down or 10 % of the construction cost. I moved forward with the application and discovered they was not able to do such a loan and what he claimed was not possible. I requested to speak with management about what happen and she attenpted to cover up the actions of the loan rep. I was mislead in an attempt to obtain my credit file. It was deceptive trade practice and false information about loan product.
I received at letter from XXXX XXXX XXXX XX/XX/2017 informing me that they represent Resurgent Capital Service for a debt 0f $ XXXX.I never have acct, loan or credit car from Resurgent Capital Services.
I opened a private loan with XXXX in 2003 through XXXX XXXX XXXX. A few years ago unknown to me, I received a letter from a third party stating my account was in collections. I have been making regular monthly payments to the credit collection agency for the 2 plus years of XXXX per month. On my credit report, I have a charge off from XXXX even though I am still paying the account.
I have been with  XXXX   XXXX  debt solutions since  XXXX -2016. Payments have been made on time every month to all credit card companies. I discovered that a lot of the credit card companies were reporting me late, so I sent in a dispute. It looks like all of them fixed the reporting issue accept   XXXX   XXXX   and  XXXX   XXXX .   XXXX   XXXX   shows I have never made a payment on time now which is completely wrong and   XXXX   XXXX    still is reporting me late and that is wrong. The only month that should have been late was  XXXX . From  XXXX -2016 to current all payments have been made by the debt management company.
I was recently mailed a letter of rejection from a VA approved mortgage lender and was told that I could then request a copy of my credit report as a result of my being rejected for a loan. 
I am unable to retrieve a free copy of my credit report.
In 2014 I had opened a credit card account with Macy 's in XXXX at thier department store in person. A month had passed after being activated, and no bill had been received by U.S. mail. When I called to ask, when would I be receiving it, they informed me that It wad past due and that it was sent electronicly. I had not signed up for email billing. MACY 'S reported my first payment as being late, and has not worked with me to resolve that matter. They refunded my late fee, and did confirm the mistake over the phone, but never corected the report with the credit bureaus. I need help resolving this matter. Thank you.
I AM WRITING IN REFERENCE TO I C SYSTEMS THAT WAS PLACED ON MY CREDIT REPORTS XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. THIS COMPANY HAS ADDED MULTIPLE COLLECTION ACCOUNTS AND LATE PAYMENTS TO EACH OF MY REPORTS WITH THE THREE CREDIT BUREAUS. NEVER HAVE I HAD ANY TYPE ACCOUNT OR SIGNED ANY TYPE OF AGREEMENT WITH I C SYSTEMS. I C SYSTEMS HAS NEVER MADE ANY TYPE OF CONTACT WITH ME TO ATTEMPT TO VERIFY AND VALIDATE ANY INFORMATION THEY HAVE, BEFORE ADDING ITEMS TO MY CREDIT REPORTS. THIS IS A VIOLATION OF THE FDCPA AND I WOULD LIKE FOR THESE TO BE REMOVED IMMEDIATELY. UNDER THE FCRA 15 U.S.C. 1681i ANY ACCOUNTS UNVERIFIED NEED TO REMOVED IMMEDIATELY.
I paid off my auto loan in XX/XX/2013. Capital One has been reporting the account as 30 days late since XX/XX/2013. I have been denied credit many times because of this incorrect reporting.
I got caught up in a scam which caused fraud to prevent me from getting a credit card or opening a bank account.
I owed XXXX bank an amount of money have paid the amount off over almost XXXX years ago. Arvest bank has since purchased XXXX bank and has refused to take debt owed off my credit report even though arvest has given me letters stating the balance was paid off. I have sent numerous emails and made numerous phone calls all which have said they will take this off my credit report. They have never taken this off my credit, and are now failing to return any calls or emails.
My Equifax credit report # XXXX dated XXXX XXXX, XXXX shows that both of the below referenced accounts were deleted from my credit report. 

XXXX XXXX Account # XXXX ( As it appears on my credit report XXXX XXXX XXXX Account # XXXX ( As it appears on my credit report ) Equifax removed them at that time and then reinserted them on my credit report without notifying me within 5 days of the reinsertion, per FCRA. I have since repeatedly disputed the above referenced accounts with them and they have not removed them again. I have an ongoing issue with Equifax not reporting all of my positive accounts, or removing my positive accounts on a monthly basis. They only re-report the accounts, when the companies report my positive accounts again. Now they have reinserted negative items that they previously deleted. Please see the attached proof of deletion.
I am writing because I noticed that my report is reflecting late payments on two accounts. These items are because one account is paid in full and the other account is in good standing.

Chase : # XXXX  Chase Auto : # XXXX  I am requesting that the item be deleted to correct the information. Enclosed are copies of payment records supporting my position. Please reinvestigate these matter ( s ) and correct the disputed item ( s ) as soon as possible.

In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request that you immediately delete the item. Additionally, I respectfully request that you forward to me an updated description of the procedure used to determine the accuracy and completeness of your removal as required by the Fair Credit Reporting Act and confirmation that this information will not be re-inserted. I thank you for your consideration and cooperation.
XXXX, Experian and XXXX XXXX are reporting inaccurate information. My credit score should be in XXXX   's. A lot of finance companies on my report that I've never dealt with. Please correct this information. I want to buy a house and buy some property.
Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX XXXX XXXX reported a late payment of 90 days regarding my student loan accounts. I am requesting that this late payment be assessed for accuracy. I believe this reporting is incorrect because I have included the documentation to prove that my loans were in forbearance/deferment XX/XX/XXXX to XX/XX/XXXX and didnt require any payments. 
Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report.
Today I received a debt collector letter from the Northland Group stated I owed to XXXX the amount of {$900.00}, I believe this type of action is fraudulent on nature between XXXX and its Debt Collector Northland Group. 
I disputed the same amount {$900.00} with XXXX several years ago also I did disputed las XXXX 2016 with another XXXX 's Debt Collector XXXX XXXX XXXX. CFPB Case # XXXX. 
At This Time I would like to ask the CFPB to Ask XXXX and Its Debt Collector NORHLAND GROUP to cease any collection on the amount they said I owe them. 
There is the second time XXXX is attempting to collect something I disputed on the past, I do n't know if At this time XXXX and its debt collector are violating any rules of FDCPA, if its so I would like to be compensate it for.
I went into XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, MA XXXX, to look at a few mattress options for potential purchase. The salesperson, purporting to be the store owner, showed us a few mattresses. He then asked if he could run my credit to see if financing was available. He took that information orally and typed into the computer. At no point was I shown, nor did I sign, any paperwork agreeing to be extended a line of credit, or signing up for a credit card. I left the store without purchasing a mattress. Today, I opened my mail and found that I have been signed up for a Synchrony credit card without my knowledge and against my will.
I called navient on several occasions about my student loan and asking how I can get help. I explained to them rhat I was not working and they still offered me a payment for XXXX a month. I explained that I could not afford that amount and what happened to my forbarence that I applied for. The rep said she did n't shee one in the computer and I asked how was possible when your office contacted me and said I should receive paper work in the mail. She said she did not see that in the computer and I was currently pass due.
The lender has failed to provide a response to our QWR request ( Qualified Written Request ) or NOR- ( Notice of Error ) - this is a violation of  Reg X and RESPA guidelines - The lender has also initiated foreclosure within the early intervention period in violation of Regulation X, 12 C.F.R. 1024.41 ( f ) .