WillisBack/dataset-financial-user-claim huggingface dataset:
I disputed the following XXXX accounts below with the CFPB because I did not feel that the late payments were accurate and not verified properly. 

Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX After looking at my credit report, I noticed that they are currently listing the account as 120+ past due when that is not true. The accounts have been closed for years so how can it be currently past due if they were transferred/sold years ago?. This just leads me to believe an investigation was never done which is a violation of the Fair Credit Reporting Act. Also, they never marked these accounts as being in dispute.
I currently subscribe to Equifax credit monitoring. There product has continuously not worked. I have emailed them twice, called, and chatted. They keep stating issues with their system. I said then I would like to cancel my subscription and receive a refund because you can not provide services. I only asked for the month I prepaid for. They refused to provide refund because I did not cancel in time. But once again, they advertise you can run your score whenever you would like, but you ca n't because their software does n't work. It 's sad they are responsible for your credit. I just want them to do what is right. I have attached the screenshot in which it states report is in progress, it says that everyday, so you can never order and no report is ever generated.
I'm concerned about the certainty and consistency of your new assessment and then the overdue payments pertaining to this particular account and also how it is reporting on my credit report. About 45 days ago I requested an assessment basically because I noticed the item is not being documented recently. To my big surprise I got a letter telling that your evaluation was achieved and that the item had been " validated as reliable.
I was sold a predatory sub-prime loan in XX/XX/XXXX by XXXX Loans. I had a 80 % XXXX mortgage and a 20 % XXXX and I put nothing down on the home. After a year I got into trouble with the loans and I was facing foreclosure. With my parents help I was able to stave of foreclosure and I kept making payments on both loans for several more years. Finally I had to file a personal bankruptcy. Both my XXXX and XXXX loans were discharged in my Chapter XXXX bankruptcy in XX/XX/XXXX. I kept making the payments on the XXXX mortgage to XXXX XXXX XXXX and I am still current. However the second loan was sold by XXXX to XXXX Loans in XX/XX/XXXX, and shortly thereafter XXXX assigned the servicing of the loan to Real Time Resolutions. Now I have been attempting to obtain a refinance on the first loan but the lender and the title company can not clear title because the second deed of trust is still recorded in the name of XXXX, which was a subsidiary of XXXX. but is no longer in business. I engaged a lawyer to submit a Qualified Written Request to Real Time Resolutions who claims to have legal ownership of the second deed of trust. I asked RTR to provide evidence that they own the second deed of trust but they failed to provide that evidence in response to our QWR.
I was owed {$1300.00} from Loancare for an escrow payout. The first check I received they placed a stop payment on and I was charged {$15.00} by my bank. They now owe me {$1300.00} dollars. They continually send my check to the incorrect address, misspell my name on the check, make the check out for the incorrect amount. This has been going on for over 2 months. Their customer service is nonexistent. I have never experienced anything like this that has compelled me to file a complaint.
I have had two CitiCard accounts since XX/XX/XXXX (Simplicity, Diamond Preferred) and one since XX/XX/XXXX (ThankYou Rewards).  It was brought to my attention this morning, only after logging in to my accounts, that I have XXXX credit available for purchases and XXXX credit limit listed on the accounts. I was not contacted by CitiCards regarding any changes to my accounts. I have paid CitiCards each and every month since opening these accounts, sometimes twice per month,  and have never been late with a payment. I was advised by CitiCards Client Services to reach out via fax for more information on this discrepancy.  I asked them to please contact me as soon as possible to discuss as this has caused a major disruption, or please provide a contact name and phone number to the person at The Office Of The President so I may reach out to discuss.I haven't received a response and customer service will not speak with me about the accounts.
All requests for a detailed investigation was responded to with bureaucratic filler jargan to deflect from what I was very specific about on my request. I want to give a written request for a forensic audit investigation into ALL CREDIT REPORTING AGENCIES XXXX, TRANSUNION, AND XXXX and the manner in which they Rendered ALL my dispute requests .I am requesting that they provide a detailed Forensic audit of my credit report and investigation of ANY creditor that can not provide written proof of my request for service such as third party Creditor who paid for my debts, accurate date of delinquency " creditor or dept of education and inquiries '' for example I have student loans from 2000 on my report but when i review my credit history it says 2 years. Either completely remove the old info and show only the consolidated report or allow me credit for the number of years my student loans existed and they all MUST be removedcompletely never to be seen and immediately. I want ALL CREDIT REPORTING AGENCIES to remove ALL VARIATIONS OF MY NAME THAT DOES NOT REFLECT A DIRECT MATCH to my court ordered name XXXX XXXX XXXX and match on All 3 Bureaus I request that there be copies of the FORENSIC AUDIT sent to me via email. I reserve the right to file lawsuit against all parties involved that refuse to cooperate fully and truthful with my complete request. This is my final request and attempt to correct and update my " Required Credit History '' THAT CURRENTLY IS CAUSING ME HARDSHIP IN JOB SEARCH AND ABILITY TO ACQUIRE CREDIT. I am a victim of Identity theft as recent as XXXX with several auto dealer inquiries I never applied for " I have a car im paying for '' Lastly I require that ALL THREE Credit Agencies XXXX TRANSUNION AND XXXX REPORT THE SAME INFORMATION OR NONE AT ALL. My next step is to file a lawsuit.
Complaint is against Experian credit monitoring service. Good luck cancelling I called customer service and had to wait for 1.5 hours to reach a customer service representative and cancelled my membership at the end of XX/XX/2018 with a statement that my service would be available until XX/XX/XXXX when the monthly cycle was to end. On XX/XX/2018, my bank account was charged in full ( {$26.00} ) for a new month of service. On XX/XX/2018 my bank account was charged in full ( {$26.00} ) for a new month of service. When I attempted to call again on XX/XX/XXXX, the estimated wait time on their multiple customer service phone numbers were all over 2 hours. I have subsequently sent an email request with hopes of getting my membership cancelled.
I attended XXXX University until XXXX 2016. I contacted my professor and cc 'd my counselor that I was having a hard time completing my coursework due to unforeseen circumstances at home and work. I called and requested to drop my classes ( which they have no record of ). So, in XXXX or XXXX I contacted my counselor about continuing my education and was advised that I had a balance of {$3200.00} to clear before I was able to continue. 

Almost, {$2800.00} for classes dropped ( i 'm being charged for the full classes ) although I called to drop a few days prior to drop date and ( {$500.00} or so ) for classes that I never authorized them to put me in for the following semester ( I never even logged in to them ) and I talk to the counselor prior to XXXX 2016 term and advised her I did not want continue until XXXX due to starting a new job. My counselor recommend that I request a Corporate adjustment, so I contacted the department and sent emails back and forth for over 2 months at which time I was advised I was already approved for partial credit due to the documentation sent from my therapist. Then I find out a collection agency has added the {$3200.00} to my credit file as of XXXX, when no decision has been made as of yet on my entire balance, I also found out the collection activity started 2 months prior. 

Once I found out about the collection being placed on my credit I emailed the person I had been in communication with for corporate adjustment and was advised my request was denied and to follow up with the collection agency directly. Then I asked why it was denied and was advised it was due to insufficient documentation and that I would need to contact Student Affairs if I needed anything else. I call Student Affairs and leave a message, then I receive an email stating they do not handle this I would need to file a grievance. After almost 90 days of providing personal documentation about my work, school, XXXX health and my dad 's illness they deny my request. 

I am currently in the process of getting a pre-approval for a home and this debt being placed on my credit is jeopardising me receiving my pre-approval and has dropped my credit score. Also, I am unable to continue my education at another institution and not able to access my transcripts to transfer schools due to the hold placed on my file for this debt. This amount is not owed by me. 

I would appreciate someone looking into this matter and reading all of the attached communication and documentation sent to the school.
I would like to file a formal complaint and request assistance is resolving the issues with my mortgage company Ocwen XXXX XXXX. 
On XX/XX/XXXX I was forced into filing XXXX XXXX Bankruptcy in order to prevent my home for being sold at auctioned. I had previously submitted a mortgage modification package, which was denied, according to Customer Service Representative the paper work was received too late. No where within the package was there a time frame specified with the instructions regarding date of submission. I retained a professional service to assist me with the Bankruptcy and to negotiate with Ocwen. Strangely enough the same modification information package which had been deemed denied due to lateness was effectively used. I was informed by Ocwen and the professional assistance service that the modification was accepted. I was placed upon a 3 month trial payment plan for XXXX, XXXX and XX/XX/XXXX ; which I successfully completed. When I attempted to make the XX/XX/XXXX payment through Ocwen 's automated system, the system did not allow me to complete the transaction. When I spoke with a Customer Services Representative at Ocwen, I was informed that my modification had been cancelled because they did not receive final signed agreement back from me. I never received any such documentation from Ocwen via the postal service. On numerous occasions I have made numerous Ocwen representatives aware that there is difficulty receiving mail via the postal service and to please send communications via my e-mail address. I received that final signature pages via e-mail on about XX/XX/XXXX and returned it via express mail on XX/XX/XXXX. On XX/XX/XXXX I received a scheduled update call from Ocwen, I was informed that my loan modification was still under review by the Underwriting Department ; however the foreclosure procedure had been placed on hold. First time I heard of a foreclosure procedure was XX/XX/XXXX ; even though since XX/XX/XXXX I have had at least 6 conversations with various Customer Service Representatives. The representative further informed me that it could take up to XX/XX/XXXX for them to make a decision. 

The second issue involves cancellation of my home owner 's insurance policy due to Ocwen not paying my premium on time. I can not receive a new home owner 's policy because of the age of the roof ; I must replace the roof before I can get another policy. In the mean, Ocwen has secured only liability coverage on the property, for which I have been paying at a much greater expense than my former home owner 's policy. 

The third issue involves my payments. I purchased this home in XXXX ; refinanced it in XXXX or XXXX. The only option that Ocwen offered was a reduction in my interest rate, pay {$510.00} for 17 more years with a balloon of approximately {$78000.00} due at the end of 17 years. With the substantial decrease in the interest rate why is a balloon even necessary? 

In the past I received Court mandated compensation as a part of Class Action law suite involving Ocwen poor business practices. I think we are back at that same place again, regarding Ocwen 's business practices.
In  XX/XX/XXXX I took out a loan on my home with  XXXX    XXXX   for {$310000.00} and made all the payments on time until  XX/XX/XXXX that they convinced me to request a free no charge loan modification with the Federal Government, the HAMP Program. I sent in the required loan modification documents signed and notorized and they have never returned the signed copy by them. They have mis-applied all my payments made to Principal and the present balance of my loan should be down to about {$200000.00} with the obvious decrease in monthly payment amount. They reply that they refuse to answer my questions. The alleged " servicer ''  Caliber Home  Loans has acknowledge the " errors '' made to my account but refuses to audit the loan from the beginning since they have been modifying and changing the running balance and know it. The evidence in all the different amounts they claim are owed which is simply an accounting error on their part. They have never applied my payments correctly to Principal nor given me a signed copy of the modification agreement as you can see yourself. Please get the competent authorities involved and I have a right to be a part of any and all insurance and pooling and servicing agreements. They have used my signature to take out a line of credit secured on my home and this is fraud.
Greetings Consumer Finance Protections Bureau, This complaint, against Portfolio Recovery Associates, is being submitted following a blatant disregard to the Fair Debt Collection Practices Act | As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) with regards to 806. Harassment or abuse of which line ( 5 ) applies. 

On Saturday, XX/XX/2018 Portfolio Recovery Associates attempted to contact me regarding a debt in their possession with my personal information attached. Between the times of XXXX MDT and XXXX MDT they attempted to unsuccessfully contact me a total of 26 times. This stands in violation to 806. Harassment or abuse which states ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. While a debt collector is allowed to contact a possible debtor via telephone or mail and retains certain legal rights to attempt collection, it falls outside of their realm of operations to harass a potential consumer with intent to annoy or harass a person. Additionally Portfolio Recovery Associates failure to disclose the company name or false disclosure to trap a person again violates 806. Harassment or abuse as written ( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the caller 's identity. Furthermore, Portfolio Recovery Associates has violated the Fair Debt Collection Practices Act when attempting to intimidate a potential debtor into payment which has also happened during past communications ( 807. False or misleading representations ). 

I wish to express my thank you for your time and help regarding this issue to the CFPB and will await any further communication or resolutions from the CFPB. 

Professionally, XXXX XXXX.
I have XXXX accounts that is fraudulent : XXXX XXXX mastercard and XXXX mastercard. I have requested a signed original credit application with my signature. I have not received the credit agreement with my signature as requested. These accounts have not be validated nor verified properly. This accounts is damaging to my credit score and I want them removed.
I was charged an incorrect amount of interest by Ocwen when I paid off my mortgage. They received my loan payoff and did n't credit it to my account because they said it was n't the right amount.
A request was submitted to Capital One asking for a goodwill removal of a 30 day late payment. I believe this company is being " unreasonable '', I offered to submit pertinent documentation as to why I was late ( medical reasons-XXXX ), the response given to me is unacceptable, Capital One cited the FCRA will not allow them to do so.
My child was the victim of phishing fraud. My child used their debit card connected to their youth account to make purchases on a spoofed website which did not clear. The debit card information was subsequently used to open a fraudulent XXXX XXXX account through which three transaction were attempted in the amount of {$1000.00}, but only two cleared. The cleared transactions are as follows : XX/XX/2018 : {$1000.00} XX/XX/2018 : {$1000.00} I have attempted to dispute these transaction, however on XX/XX/18 Golden 1 Credit Union indicated that the claim was denied because, " you grant [ ed ] a person authority to use your card and that person exceeds the authority given,  you are fully liable for all charges even if the amount of the actual use exceeds your permission unless you have notified us prior to the unauthorized charges that used of the device is no longer permitted. '' On XX/XX/2018, when I called in to seek clarification I was told, " by providing the debit card information on the spoofed website, my child granted authority to open the XXXX XXXX account and make subsequent transactions. '' At no time were these unauthorized charges permitted. The fraudulent XXXX XXXX account nor where the subsequent charges issued therefrom. 

After reporting these facts to Golden 1, they are determined that my child was an active participate in the fraud. 

The XXXX XXXX account has been closed as had my child 's youth account. Per XXXX XXXX my child 's information was used, however the year of birth was manipulated to appear that my child was over the age of 18. 

At no time was debit card information provided to any individual with the intent to grant authorization to use the card or make any XXXX XXXX transactions. 

I believe that Golden 1 was negligent in its duty to my child and me as account holders. Golden 1 should have never authorized these transactions through my child 's youth account. The bank should have used more caution with youth accounts because of the nature and vulnerabilities of children. Multiple transactions were attempted, two of which  were successful. Additional attempt was halted only after my child discovered the fraud and took action.
It was released by Equifax on XX/XX/XXXX that 143 million people could be affected by a data breach in which cybercriminals stole information including names, Social Security numbers, birth dates, addresses, and the numbers of some driver 's licenses. 

Using their online checker, linked here : https : //www.equifaxsecurity2017.com/ I was told that my identity may have been compromised by this checker. I therefore have reason to believe, as reported by Equifax themselves, that Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX. 

I did not enroll in the free protection surface Equifax is offering in compensation because Equifax has included the non-arbitration clause contained in the terms of service consumers must sign off on upon enrolling. 

I am filing a complaint as Equifax has irresponsibly secured my information and put my livelihood at risk. Such a large breach in security is not only unprecedented, but also a glaring example of private industries ' cavalier attitudes towards consumer protections. Equifax is defrauding injured parties with hidden terms of service that waive their right to sue Equifax in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I discovered late night on XX/XX/XXXX the following notice within my PayPal account. 

" Credit servicing on PayPal.com will be unavailable from XX/XX/XXXX at XXXX XXXX ET to XX/XX/XXXX at XXXX XXXX ET due to site maintenance. We apologize for the inconvenience. '' Today XX/XX/XXXX I received a reply from PayPal Credit informing me that nothing is wrong with my PayPal account but at this time some system will not allow transactions through my PayPal personal credit account. Furthermore within the letter it goes on to state the following : " PayPal does reserve the right, as indicated in our User Agreement, to limit the funding source for any individual payment. This is listed under section 3.4 of our Payments Policy. We realize that this can be a frustrating experience, but the security and integrity of our system is important to our company and to our customers. '' However, PayPal 's statements and its systems actions has no integrity since as a whole I can not use my credit as needed nor for any purchases where applicable. It has been restricted and I have been forced to use other funding options at checkout. 

Again nothing is wrong with my PayPal credit account as of today and my available credit covers the purchase.
My daughter had numerous loans from Navient. My father ( XXXX ) co-signed for the loans. She became in default and they contacted the co-signer. Over 1 year of phone calls, he finally accepted to speak with them ( Included in the call was myself and my daughter ). They were willing to waive all penalties and interest if he paid XXXX, XXXX by XXXX XXXX, 2016. He withdrew all saving funds and paid cash. Per Navient we were advised we will receive a paid in full letter within 30 days. After numerous phone calls no letter was received. When we did receive a letter the amount posted was XXXX. I called again. I have reported them to the XXXX and have not received any results. I was told all Navient loans my father co-signed have been paid. My daughter has XXXX outstanding loan with Navient. Because they received payment from him before, the calls have started again- daily. I want a letter from Navient stating the full amount has been paid and to stop the harassing phone calls. I am my father 's XXXX and this is unbelievable stress on him and the family. The school my daughter was attending is the Univ XXXX XXXX XXXX XXXX.