WillisBack/dataset-financial-user-claim huggingface dataset:
I recently looked at my credit reports and noticed that XXXX/XXXX XXXX XXXX .... reported negative marks 30 DAYS LATE 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. 
I attached a copy of the law and the actual document from the federal reserve
Spoke with XXXX and XXXX. XXXX says he is a manager and I was trying to report XXXX for harassing me when we 'd spoken. XXXX says he will look into it then tries to get me to give my checking information to make payments. I said no, and he starts getting an attitude, which I told him I did n't appreciate and he told me I 'm being sensitive. I told him I want to make payments but not with my checking account. He says his office will send back the account to the client as refusal to pay, if I do n't " secure '' our arrangement right now with my checking info or a payment off my debit card, even though I 'd already explained I do n't get paid til next Friday. By this time I was having to speak loudly because he would n't let me get a word in edgewise. He says he 's going to terminate the call if I do n't stop interrupting, etc. I asked to speak to his manager, he flat out says no, says I 'm trying to avoid/distract from the matter. This is the manager. The other boy I spoke to got on the phone after a transfer, and just went off on me about how I need to pay x amount of money that I already said I could n't afford. He belittled and shamed me for not paying the debt so far, and demanded that I pay it now. I told him not to speak to me that way, which he continued to do. Eventually he just hung up on me. I 've seen very similar complaints online, some of them quoting this XXXX guy, things that he said to me as well, word for word. I do n't understand how they 're still in business, or not in court or in jail for violating federal law. Please do something about this.
I received a letter from U.S. Bank stating my credit card account is delinquent. I called and inquired as to how that was possible when I have " autopay '' activated. I was informed they notified me 6 months ago that the feature was being turned off and I would have to turn it back on. I never received this notice and I been presuming that my payments were being made as per my instructions. In the interim they have been charging me late charges and interest for each month. I have spoken to XXXX representatives who essential told me " tough luck. '' XXXX, I immediately paid the entire balance once I was made awarre of this debacle. If they were turning my " autopay '' off, which I deny receiving notice, why wait six months to let me know? I further believe that have reported on the trade lines that the account is delinquent, thus affecting my credit rating. I would like for the fees and interest to be refunded as well as the trade lines removed from my credit report. I might add that this smacks of class action to me because I am certain I am not the only person duped in this manner. Once this matter is resolved I intend to cancel the card.
This is my 2nd complaint to the CFPB regarding TransUnion 's ability to dispute items online. Since I'm unable to initiate my dispute through TransUnion, I'm submitting my dispute through the CFPB. There are three new collection items that have been added to my credit file that should've all been included in my chapter XXXX bankruptcy filing : Account name XXXX XXXX XXXX   Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX
In XXXX XXXX I submitted proof of working for a government agency to XXXX XXXX. On XXXX XXXX, XXXX, my IDR repayment re-application was approved by XXXX XXXX. On XXXX XXXX, I made a payment to XXXX XXXX for my bill that was due at the end of XXXX. At the end of XXXX, my account got transferred to my XXXX XXXX as a result of me working for a government agency. 

When my XXXX XXXX got my account, they did not get proof of my XXXX payment ( which was 2 weeks early ). They also did not get the memo that my IDR repayment plan was approved. As a result, as soon as my loan got transferred, my XXXX XXXX began harassing me about my payment being late and my account being delinquent ( which it was n't -- see attached proof of payments ). In addition, my fed loan sent me a bill for over twice the amount of what my bill should be under IDR. I have called, email, and chatted with them repeatedly, and gotten different answers every time. 

My XXXX payment was on time. My IDR re-application was also on time. But now this company wants me to pay the XXXX repayment amount for my XXXX bill ( if I wanted to be on the 10 year repayment plan, I would n't have submitted proof of income and gotten transferred to this servicer ). They are also constantly harassing me about my payments being late, which they are n't. This company is penalizing me for doing everything right.
I opened a BMO Harris Smart Advantage Account on XXXX XXXX. There was an offer that I would receive a {$200.00} bonus if the new account received two qualifying direct deposits of at least {$300.00} or more within 90 days of account opening, and once that happened I would receive the bonus within 120 days. The deposits were made successfully in XXXX. When I called in XXXX to ask where my bonus was, they stated I had to wait at least 120 days. When I logged on to my account on XXXX XXXX to check if my bonus had posted, my account had been closed by BMO Harris. When I called and asked why, they stated my account had been dormant for 45 days and  that they closed. When I showed them that in the account disclosures a dormant account is classified as 3 years of inactivity, they said they could close my account at any time for any reason. I spoke with XXXX and XXXX XXXX in their call center. I find it extremely fraudulent for a bank to ensure you that you 'll receive your bonus in 120 days from account opening, and then close your account days shy of passing that boundry. Especially after calling and confirming that the bonus terms were met. I 've attached copies of my online statements showing the deposits were made, and when they closed my account. I also included the terms of the account that outline an account can be closed for dormancy reasons after 3 years.
Midwest recovery has violated all of the issues above. communication I have never heard of them let alone from them at all. they would not verify any debit at all beside from a loan in XXXX, continued to try and collect after a discharged bankruptcy claiming they didnt know, but they knew enough to falsely change the date form XXXX to XXXX to get it on my credit file. 

I have never had any dealings with Midwest recovery syste ever no phone calls, no letters no nothing they have violated the consumer protection act and the collection laws they immediately place an account in collections without notifying me prior to this, they have not retrieved or verified the account they are trying to collect on. I called them at the number listed in a XXXX search at XXXX they told me it was from some loan company that i have never heard of they dropped my credit score by XXXX by placing an account with collections while I 'm in the process of trying to purchase a home, they told me it would take 30 days for removal so now i have to wait 30 days and allow my current creditors to see a negative impact to my credit score. They also told me it was from a loan dated XXXX and they listed with the credit bureau it was from XXXX so they could circumvent my bankruptcy on file that was discharged XXXX XXXX XXXX, so they have lied and purposefully cheated the collection laws to continue to collect on bogus debits
I spoked to the Manager of the Quiet Water Apartments in XX/XX/XXXX before my new lease renewal, that I am going to buy a house, so the Manager told me do n't worry XXXX " you have been paying your rent on time we will take care of you '' I was living there since XX/XX/XXXX. 
He told me most of the time the apartments are rent out in week or two, I said no problem I will pay the 2 weeks rent. 
I moved out from there. 
They did not sent me any bill by mail or called me, neither the collection company sent me any letter.
In XX/XX/2016, XXXX had an offer for a new business credit card, the XXXX. The bank solicited me to apply for this card to replace an existing card I had with them. Part of the promotion was I would receive a {$250.00} cash back bonus if I spent {$2500.00} within the first 90 days of the issuance of the card. I did that. No bonus has been paid despite numerous attempts at contacting bank personnel. 

Today, I did receive and email denying that I was entitled to this payment based on a clause in the offer. The denial is in error. I NEVER receive any prior bonus on any Vectra account and believe that the bank personnel intentionally misled me when I applied for this card. I was never told this only applied to new accounts as the bank representative encouraged me to replace my existing card with them, i.e. she knew I had an existing credit card. She insisted I would receive the cash back if I followed the offer specifications. Clearly this was fraudulent behavior on the part of the bank staff.
I am writing you because I strongly believe that I am a victim of predatory lending because of the high interest rates I am paying for my loan. 2 ) I have tried two years in a row to refinance this loan. All attempts were fruitless. I have faithfully paid my loan on time. 3 ) Each time my refinance application was denied. 4 ) This complaint is about Wells Fargo. 5 ) People involved names are unknown to me.
XXXX XXXX XXXX was not properly and accurately reported. 
1st date of delinquency is not reported Last Payment date is not reported 1st Major delinquency is not reported under FCRA I am entitled to have all items complete and corrected.too much time has elapsed since my initial inquiry.
I applied for Income Driven Repayment through XXXX because I knew that I would not be able to afford the {$210.00} per month payment on my small salary. I applied on XX/XX/XXXX, received notice that my request was received by XXXX on XX/XX/XXXX, which was the last I heard from them. I contacted XXXX through their customer service online chat on XX/XX/XXXX to inquire about my request. XXXX, their customer service agent noted that they did receive my request but they only applied my request to SOME of my loans even though XXXX services ALL of my loans. They conveniently applied my request to loans that are " In Grace '' but not towards loans that are " In Repayment. '' When I applied for Income Driven Repayment, there was no where on the application that stated that the request would only apply to some loans. XXXX in their acknowledgement stated that they would contact me when my request was approved, which was not the case or else I would have known early on that they only applied my request to a portion of my loans. XXXX did nothing but sit on the application until it was to late and now I am 6 days late on my loan payment. XXXX, claims they ca n't postpone my payment because they " ca n't expedite the process. '' So now my request has to start from the beginning again while my loans continue to be delinquent. 

XXXX is notorious for sitting on Income Driven Repayment applications and due to their past behavior, I am afraid that they will delay my application until they can squeeze a payment out of me. I do not want my delinquency to be reported to credit agencies and XXXX is very aware of that.
I am a customer of Regions bank with a checking account. A few months ago someone or persons have been using my debit card through XXXX XXXX times in excess of XXXX dollars. I have never taken an XXXX ride nor have ever used XXXX nor have I ever given authorization for anyone to use my card, ever. I reported to Regions, XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX XXXX XXXX. 

Regions Bank told me that it was my fault and that I gave authorization for reoccurring charges to be allowed on my account. That is not true one bit. 

The fraud started in XXXX through XXXX. Regions will credit be back a small fraction of the charges but insults me with the lame investigation that somehow determined I was complicit and allowed my card to be used. NONSENSE, I asked for the proof of the investigation just today and the fraud department told me " there is nothing we can do ... I just told you the results ... what else do you what. '' Please help XXXX XXXX
I am placing a freeze on my credit files at XXXX, XXXX, and Equifax, as it seems like the only sound method now to protect myself from identify theft. There is a fee, with each bureau, to freeze and unfreeze my files. Due to the frequency, pervasiveness, and severity of data breaches ( especially the most recent Equifax breach ), the fee is an unjust burden on consumers.
The XXXX XXXX XXXX filed {$750.00} collection before XXXX/XXXX/XXXX. 
I never open a credit with this bank. The XXXX XXXX XXXX sold the case to XXXX XXXX XXXX Right now XXXX. 
I lost my Social security card and Green card too. I report it immigration service and I got replace green card.Also, I I report Social security department and I got replacement. 
I do n't know how fix the problem for that. 
Please help me. 
Many thanks
I received a final statement from XXXX XXXX XXXX XXXX, XXXX via USPS mail on Saturday, XXXX XXXX, 2016. The notice was dated XXXX XXXX, 2016 and had been mailed an old address. Monday, XXXX XXXX, 2016 I contacted them via the phone number listed in the letterhead, explained I received the statement, needed to change my address, and would have the first of four installment payments in the mail soon. 

According to the document one option of payment was to make " 4 equal interest-free installments '' and " The 1st payment due within 30 days of receipt of this statement ''. I put the first of four checks in the mail Monday, XXXX XXXX, 2016, also including a photocopy of the lower half of the letter with my signature as instructed in the document. 

No additional correspondence had been received from XXXX XXXX XXXX Associates prior to Tuesday, XXXX XXXX, 2016, so I mailed the second of four installment payments to the same address, with documentation as required. The following day I received a letter in the mail from IC System debt collectors, XXXX XXXX, MN, dated for XXXX XXXX, 2016, stating XXXX XXXX XXXX XXXX had sent my account to collections for delinquency. The amount of debt attempting to be collected was the original amount owed, minus the check XXXX XXXX XXXX XXXX had cashed on XXXX XXXX, 2016. 

I called XXXX XXXX XXXX Associates the next business day, Thursday, XXXX XXXX, 2016 and asked to speak to a supervisor. I spoke with a gentleman named XXXX, who confirmed my paperwork and check had been posted to my account on XXXX XXXX, and cleared XXXX XXXX, 2016. He said I would need to talk to the collections XXXX, XXXX, to further clarify the situation but she was " out of the office ''. I informed XXXX that I had already put the second installment payment in the mail, and left my name, account and contact information and asked my call please be returned ; it was not. XXXX also told me they would contact the debt collector on their behalf and explain the mix up ; they did not. 

Monday, XXXX XXXX, 2016, after no contact had been initiated by XXXX XXXX XXXX XXXX, I again called the office, was told XXXX was " not in the office '' and they had not received my check. I again told them I wanted my call to be acknowledged and returned. I contacted the debt collector who confirmed XXXX XXXX XXXX XXXX had made no attempts to rectify the misunderstanding, and it was suggested I dispute in writing with supporting documentation or my bad debt would by reported to credit bureaus on XXXX XXXX, 2016.
When I set up my checking and savings account with Bank of America, I was assured that I didnt need to opt out of the option to allow my card to work when the account was overdrawn, because I had set up my overdraft protection. Imagine my surprise this morning when my account was - {$400.00}. Had I known on Thursday that my account was overdrawn, I wouldnt have spent all weekend using that account.
On  XXXX   XXXX ,   XXXX  , I sent a letter through Certified Mail, to Equifax disputing multiple inquiries on my credit report that I do not recall authorizing. I do understand that they should n't be allowed to put an inquiry on my file unless I have authorized it. I requested that they be removed simply because the FCRA states that the only permissible purpose for pulling someone 's credit is for either a Firm Offer of Credit, Insurance, Employment or Court Order, none of which applied to these inquiries in question. On  XXXX   XXXX ,   XXXX  , I received a letter from Equifax stating that it was in reference to my question regarding inquiries. Problem is, I never asked a question, I simply stated that my letter was a dispute of the following information on my credit file. They did not honor my request and continue to allow these multiple unrecognized inquiries to remain on my credit file. Since disputing through certified mail, I have called Equifax on multiple occasions requesting to dispute the multiple unrecognized inquiries and have been repeatedly told that they were unable to dispute or remove these inquiries.
RENT RECOVERY SOLUTIONS OPENED A COLLECTION ACCOUNT ON XXXX-15 FOR {$320.00}. THIS IS REPORTING TO THE CREDIT BUREAUS. THE BALANCE IS {$0.00} BECAUSE MY SECURITY DEPOSIT COVERED THE AMOUNT STILL OWING UPON MOVE-OUT FROM XXXX XXXX APARTMENTS. THE INFORMATION BEING REPORTED IS THEREFORE INACCURATE AND SHOULD BE DELETED.
In XX/XX/XXXX I refinanced my home and paid off the primary and secondary mortgage with GMAC. When I went to apply for a line of credit at the beginning of XX/XX/XXXX the title report showed the second mortgage was not paid off. I have worked with the original title company XXXX XXXX, Ocwen, and sent the information to Office of the Consumer Ombudsman and still have not received a resolution. As you can see from the attached documents the loan was paid off and GMAC should have sent a " Satisfaction of Release '' like they did on the primary loan. I would truly appreciate any assistance you can provide.
On XX/XX/2018. I contacted Halsted Financial Services, LLC at XXXX regarding a collection letter sent on behalf of XXXX XXXX XXXX dated XX/XX/2018. I spoke to XXXX XXXX, and asked him did he receive my dispute and request for validation sent by fax. He stated that he received it on XX/XX/2018. Then he informed me that once they receive a dispute they send it back to XXXX XXXX XXXX and close out the account as under dispute. He said that he sent the letter to XXXX XXXX XXXX on XX/XX/2018 asking them to follow up on the dispute.

XXXX XXXX XXXX whom Halsted Financial Services, LLC had as a client, without validating the account placed it as a collection item on XX/XX/2018 only 7 days later while in dispute. Therefore, violating my consumer rights to dispute the validity of a debt within 30 days in writing and obtain documents relating to the dispute.

In addition, having a Fraud Alert on my account on all 3 Credit Bureaus, I have the right to obtain documents for validity of this debt from a debt collector. It was not given to me.
please find attached the creditors letter for which they have approved of the delinquency to be removed from my credit reporting. 
i have already sent my request and the letter to three major  credit bureaus, but they are not cooperating please have this inaccuracy removed from my credit reports thank you
I applied online for a credit limit increase on my Citicards credit card on XXXX/XXXX/15. 
Before I clicked the submit button, my screen said you must click the box to acknowledge that a credit report would be pulled. I agreed to this. 
On XXXX/XXXX/15, I got an email that my credit limit increase request was declined. I put a posting on XXXX for a reconsideration of my credit limit increase request. An hour or so later on XXXX/XXXX/15 a member of the social media team called me regarding my denial. The gentlemen from the social media department said that in order for him to escalate my denial to another level, my credit report would have to be pulled AGAIN. I said, let me make sure I am hearing this correctly, the computer pulled my credit report not 24 hours ago, you confirmed this, yet you have to pull another credit report, he said yes. This act of having to pull ( XXXX ) reports in ( 24 ) hours is damaging to consumers credit and is not necessary or in the best interest of the consumer banking in the USA.
When I first file complaint against TransUnion about information regarding my credit report. My FICO score was about XXXX with reporting to XXXX XXXX company. After a period of time information was deleted from my credit report but my rating went down somewhat. TU ( XXXX ) FICO On the complaint filed with Consumer Financial Protection Bureau case # XXXX section Desire Resolution I stated that " I want information removed from their credit reporting companies and XXXX points put back on my credit report with good standing. TransUnion did response and delet the information but the FICO SCORE was still to low.
I applied for a Credit Card with Barclays Financial Institution and was promised a Balance Transfer within 7 to 10 business day. Barclays did not complete the balance transfer and I made the payment. I called Barclays to request that they cancel the transaction because it would be more paid on the account then owed. They refused to cancel the transaction since it was in process. The Manager XXXX explained it was out of his control to cancel. The department manager XXXX XXXX will be informed but is not able to make any changes.
I submitted a complaint to Transunion to have the information removed from my credit report or have it displayed as paid closed. This information is incorrect because it says derogatory when it was discharged in bankruptcy. 
I submitted the complaint XX/XX/2018