WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted this complaint once before and this company still does not apply payments correctly ( principal only ). They need to fix this as well as bring my due date current. I have a student loan with Navient and my company started to make extra payment as a benefit with my employment. I am still making my regular payment every month but the extra payment that my company makes gets applied to the next available payment instead to principal only. The payment comes with instruction to apply to principal only but Navient does not do this. I called and they said it is not there policy to do that when a payment comes in. I believe they should apply as directed so that my loan gets paid off faster. Thanks.
This is an addendum to case number XXXX which was filed yesterday, XXXX/XXXX/2015. 
We believe the Suntrust Mortgage Company has intentionally delayed our short sale process to allow our mortgage to reset. We had all paperwork in and had been approved for the short sale. Our mortgage resets XXXX XXXX, 2015, and increases from approximately {$1200.00} to {$2400.00} per month. We can not afford the {$1000.00} increase. The agent has acknowledge receiving all documents on time, and that someone in Suntrust " dropped the ball ''. They are requiring us to resubmit all documents because of their errors resulting in " Stale dated '' documents. These delaying practices seem ominously similar to the actions of XXXX which the CFPB and Federal Trade Comission which you took serious action against XX/XX/XXXX, fining them XXXX in restitution and XXXX in civil money penalt for it 's illegal action.
XXXX XXXX XXXX XXXX needs to be removed from my credit report. I have no debt owed to this company or to XXXX XXXX XXXX My payments have been made in full. 

If this is not removed within 30 days, I intend to file suit.
XXXX, XXXX and Equifax after dispute for re-aging of account, XXXX XXXX XXXX # XXXX are allowing the re-aging of this account to continue.The date of 1st delinquency on XXXX is XX/XX/XXXX.on Equifax and XXXX  IT IS XX/XX/XXXX.The ORIGINAL creditor is XXXX XXXX XXXX XXXX who provided ambulance service on XX/XX/XXXX, on XXXX.The date of service for the charge and the dates of first delinquency are two years apart.The Fair Credit Reporting Act requires accurate, clear and complete reporting.Multiple disputes with the bureaus are quickly " verified '' falsely.The tool of re-aging is a damaging and illegal tool not permitted with statutory damages attached for collector and bureau.I 'm entitled to accurate reporting by law.
The recorded caller does n't identify who they are with. The recording gives a name that I do n't understand but does n't sound like our name. A XXXX of the # reveals XXXX XXXX XXXX XXXX. This happens XXXX a day, every day. It rings XXXX times and stops. I 'm tired of it.
On XXXX XXXX, 2014 my daughter started an Application online to borrow money from Sallie May. I agreed to co-sign her application. After SM disclosed their APR 11.99 % we decided not to proceed with them.SM ignored luck of my signature or copies my SSN, ID ( that was required for he loan approval ) and, having loan that was not legally established, they transferred money to the University. When we found out that SM sent money, refund to SM was requested. Due to bureaucracy, it did not happened immediately. SM started to charge me fees!!!! 
Moreover, even though I was disputing fees they were trying to collect, they already sent false information to the Credit Report System! My Credit History score dropped due to SM false report.
I was directed to XXXX from Equifax because I could not find it directly on their website. I received a report and read through it XX/XX/XXXX. In the personal information section my date of birth is incorrect. 
The only employment listed is a place that I worked at three years ago and is no longer 'current ' as the status states. 
There is a bogus address of : XXXX, XXXX XXXX XX/XX/XXXX. 
Also the date of me living in XXXX  is incorrect but I have lived in that city. 

After seeing all of those inaccuracies I looked through the rest of the document to find my right to dispute incomplete or inaccurate information under the Fair Credit Reporting Act as it is listed on the report. Equifax did not direct me to dispute the inaccuracies with them directly but instead provided this internet address : www.consumerfinance.gov/XXXX
I was issued a USAA credit card without requesting one. Now it is on my credit report. I call USAA to ask them to close and tell them that I did not open the account. I was put on hold and transferred 3 times. I finally had to hang up and try calling back. The Fraud Detection line, answered XXXX, said the wait time was XXXX hours. So I ca n't even find out how the account was opened or have them close it. The XXXX people I talked to said that they did n't have the authority to close the account.
I have requested multiple times that this company provide proof of my authorization to inquire on my credit.

I do not recall applying for credit with Preferred Credit Inc. I did not authorize anyone employed by PCI to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). They are not legally entitled to make the inquiry.

From the FCRA 616 : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Started receiving calls yesterday from  XXXX . The person calling said his name was  XXXX   XXXX  and was with the litigation department at  XXXX   XXXX   (   XXXX  ) and  XXXX . Said a claim was filed against me in  XXXX   XXXX  and that I could call back to make retribution out of court. He called again today and provided the birthdate of   XXXX   XXXX   XXXX   which is not my birthdate. He said that I was the sole defendant and today was the final notice. It  may  be a scam or they have the wrong person.
As a result of the financial crisis inXX/XX/XXXX, I was hit hard after just purchasing a home. I got married in XX/XX/XXXX and moved to a larger home since we both had children. My old home was listed for sale but did not sell since property values were dropping. I used two XXXX credit cards to help pay for electric and heat and mortgage while I tried to sell it. One account rose to over {$12000.00} and the other to over {$17000.00}.
The two accounts were written off a few years ago. This past year, I tried contacting them to " settle '' in order to improve my credit score. I hired an attorney to help me with this. The attorney pointed out that the Statute of Limitations had expired on both accounts since my last payments on both accounts were in XX/XX/XXXX. I filed disputes with the three credit bureaus. One removed the two Chase accounts from my file. Two others, Experian and XXXX, have not done so. I have filed disputes each of the last three months. The dates they show of last payment are incorrect. They have provided my attorney with true and accurate earlier dates. I have advised them of this and both accounts continue to show in my reports. I need them removed. I have specifically pointed out that the date of last payment they show is incorrect and I have told them they need to check, update, and remove. I believe they have not checked, but simply looked at the erroneous date and accepted is fact. What they should have done is researched the date of last payment, fixed their errors, and removed the two accounts from my reports.
I have a debit card and 2 credit cards with Bank of America. One of the credit cards holds a XXXX balance ( Mastercard ), whereas the other card actually has a balance ( Visa ). I generally pay $ XXXX  monthly to the Visa credit card ( which holds an actual balance ) by transferring the funds from my debit account via the Bank of America App. On XX/XX/19, I accidentally made the {$250.00} payment to the Mastercard credit card ( XXXX balance ) which resulted in a - {$250.00} balance as of XX/XX/19. I decided to just transfer the {$250.00} payment from the Mastercard back to my debit account, which would make the - {$250.00} balance go back to {$0.00}. I was charged a cash advance fee of {$12.00} for the transfer. I quickly paid it off today on XX/XX/19 then called Bank of America regarding the situation. I wanted the fee reversed given the unique nature of the situation ( since the Mastercard held a XXXX  balance to begin with and just went into the negative ). Bank of America advised there was nothing they could do regarding this fee given the circumstance.
Mid XX/XX/XXXX, I was on line looking at car loan rates. I don't remember what site it was and I started putting info in. But when it got to the point where I was putting personal info in, I cleared out and went back and cleared out all info. 

Then on XX/XX/XXXX I got an alert from XXXX ... I had an auto inquiry from XXXX XXXX XXXX XXXX that put a ding on my report. I called the agency the ask for the credit check. They informed me that Rate Genius asked them to get credit score. 

I have never heard of or contacted XXXX XXXX XXXX or Rate Genius. How could these agencies get my info to get a credit report!! 

I called both agencies and both said they could not do anything. Each sorta of blamed the other. I called XXXX  but they said they could not do anything. 
I had talked to a lady at XXXX XXXX, and she promised me she would check into this and get back to me within a week. When I did not hear back from her, I called her on XX/XX/XXXX got her voice mail and told her if she did not get back to me, I was going to file a compliant. That night I call a call from Rate Genius from XXXX, He said he would check into this and get back to me within a few days. Of course I did not hear back from him and on XX/XX/XXXX I called him and of course got his voice mail, left a message and have not heard back from him. 

All I'm asking of either of the 2 companies is to reverse the credit check on my account. Yes, I went online but I removed all my info and they shouldn't have any of my info. Then for XXXX to give them a report with my permission!! 
I work hard to keep my credit score up and for someone to get a report and put a " ding '' on my account with my knowledge or approval!! 

When I talked with XXXX, I did put a Fraud alert on my account, whereas if anyone wants a credit score, I will have to be contacted. 

Then to add salt to the wound, both companies denied me credit!!! I have excellent credit. 

I am hoping that you can help me get the credit check off my account. 
Thank you XXXX XXXX
I am working with United Mortgage for more than seven months to get my payment lower, for far the same papers that i have been submitting they are asking for again and this is how its been for the pass seven months.I have fax these papers over and over and to my surprise they keep requesting the same items. I am trying to explain to the mortgage company that my bank statement with XXXX XXXX is now XXXX, I feel the mortgage company is looking for a way to take my home not to help me keep it. I have come to understand the bank looks for ways to take your home not to work with you to save it.
Attempting to collect on a debt that is not mine. Agency is posting negative information on my credit reports. Disputes with the credit bureaus have not resolved, as the collection agency indicates, to them, that it is a valid account. Contacted the collection agency requesting a copy of the application, the promissory note, and proof of original payment to me ; so far they have ignored me. Collection agency purchased the account from XXXX, another collection agency. Before the negative comments on my credit reports, I 'd never heard of any of these loan sharks.
ONGOING 2 YEARS LATEST XX/XX/2017. THEY TELL ME I AM NOT MAKING THE APLICATION. MISSING INFORMATION. 

I believe the problem arises from the Street address. My location two distincly different addresses. The Post office shows the corect address as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX verified. If I look up the closest mailbox it shows XXXX XXXX. XXXX XXXX and XXXX automatically change it to XXXX XXXX XXXX.The Post Office, XXXX, XXXX are all aware of the problem but overlook it in an effort not to inconvenience their customer. XXXX and XXXX display XXXX XXXX [ CORRECT ] XXXX Verify approves both, but there is no such road as XXXX XXXX XXXX. All Federal Agencies use XXXX XXXX. No One is willing to make the corrections in their databases. XXXX Blames XXXX and XXXX  does not give a XXXX. This results in the appearnce that there is two of me. .. 
Start with a company name and address to find its ZIP Code. However, this tool cant confirm whether the company is actually located at that address. 
* indicates that Company , Street Address, and either City/State or ZIP Code are required fields Enter only English in all fields *Company XXXX XXXX *Street Address XXXX XXXX XXXX XXXX / XXXX / XXXX XXXX *City XXXX *State. 
IN - Indiana *ZIP Code XXXX You entered : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Here 's the full address, using standard abbreviations and formatting. However, we ca n't verify that this is the actual location of the business. Double-check the address before mailing here ... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXXXXXX, +XXXX, XXXX XXXX +XXXX, XXXXXXXXXXXX, XXXX! XXXX! XXXX! XXXX XXXX XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX
False Advertisement by XXXX XXXX and GreenSky Trade CreditI was the victim of false advertisement, identity theft and fraud. 

The XXXX card was introduced to me by the store specialist as an alternative payment method with 6 month no interest after selecting materials for remodeling. On the advertisement and card are XXXX logo 's appeared. On the top left the XXXX XXXX logo and the bottom right the XXXX logo. GreenSky name does n't appear on the card nor advertisement but is the financial institution for the loan/card. I attempted to validate mailing address which failed, due to no such address in XXXX, GA.GreenSky is currently under investigation in Florida by a lawyer for fraud. 

On my credit report in XXXX it shows that I 've applied to XXXX companies. I received notification from all XXXX credit bureaus. It appears that these are subsidiary companies, XXXX and XXXX with a credit limit of {$3000.00} for each account as indicated, which caused my score to decreased. I would like a letter refering to the new account activity in the XXXX Credit profile to indicate that these entries were incorrect on the XXXX 2015 credit report. By law my credit report must be reported correctly. XXXX are subsidiary companies of GreenSky. 

I 've contacted both GreenSky and XXXX XXXX for reconciliation each company passes the buck and assume no accountability. Ive requested letters and submitted proof that the subsidiary companies were listed on my credit report. Credit Bureau 's list in real time only. Credit monitoring services allow prior account reviews and archives. XXXX XXXX Senior Credit Specialist and GreenSky Vice President received valid documentation of all XXXX subsidary added under my social security number and failed to provide any complimentary credit monitoring nor letter releasing financial responsibility and report to credit bureau 's of account and subsidiary accounts are closed. Due to fraudelent activity committed by GreenSky. As of today, my credit score dropped by XXXX points and I still have n't received any help. XXXX XXXX was recently undergoing Security breaches and GreenSky is under investigation. I ca n't even have letters drafted with signatures from either company. Ive attached the credit report to validate my claims.
My name is ( Name ). I received a phone call from XXXX - when I answered the phone they asked for XXXX XXXX. I said there is no XXXX XXXX at this number. He said I am calling to speak to XXXX XXXX - I repeated that this number does not belong to XXXX XXXX. He said even regarding a matter with California Check Cashing?? I said there is not XXXX XXXX at this number - this number honestly does not belong to him. He said he would call back. He Hung up on me. 

I then called XXXX and explained that my name is ( my name ) and that if they were trying to reach XXXX XXXX on this number he must have given them the wrong number. I asked that they remove my phone number from their list because I am on the Federal Do Not Call List. I was transferred. 

I spoke to the original Caller - I told him that XXXX XXXX gave him the wrong number if this is the number he gave him. To take my name off of his list and do not call me anymore. That I am on the Federal Do Not Call List. He said they don't work from any Do Not Call List and what is this list I am talking about. I said it is Federal Law that you do not call me. That I am on the Federal Do Not  Call list and they need to be double checking the list. He said he didn't even know what the Federal Do Not Call List is. He then hung up on me again. 

I am filing a formal complaint. I am not XXXX XXXX. I have had this phone number for over 6 years. Please stop California Check Cashing from calling me. I do not use their services - I never have and I never will.
On    XXXX   XXXX   XXXX   I  called Transunion to get credit inquiries removed from my credit report which were posted in error. I tried to get the customer service representative to help, but the person would not help and take care of the negative inquiries reporting to my credit report. My name is  XXXX   XXXX  and I live at  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  MA  XXXX , and the my social is  XXXX . The following inquiries should be removed :  XXXX   XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX
Harris and Harris debt collectors tried to reach my son at my phone number on XX/XX/XXXX. My son is on XXXX XXXX with the XXXX XXXX. They made a robo call to our phone number leaving a message that they wanted to speak to our son and have him call their number. 

I returned the call, I asked how do I know this was not a scam? She identified herself as Harris and Harris debt collectors and their client is the City of XXXX. She said they were trying to reach XXXX XXXX. They asked if they were speaking to " XXXX XXXX XXXX. '' I confirmed I was " XXXX XXXX XXXX. '' She said it was about an unpaid camera red light ticket in XXXX. I asked for the ticket number. She stated she needed to verify my address. I said, " OK. '' There was silence, then she said she needed my address. Go ahead. She said XXXX XXXX. I said no. She said she would remove my number from the file since it was the wrong address. 

Then on XX/XX/XXXX my wife received a live phone call from Harris and Harris after they had said they were removing the number. 

It should be noted that on the date that XXXX XXXX was alleged to have run a red light he was in basic training for the XXXX XXXX.
I am submitting this complaint to you because Equifax has reinserted previously deleted informationfrom my credit report and failed to notify me in writing. It is my understanding that under the FCRA the following is required : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information  certifies the information is complete and accurate. *If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. I sent Equifax a dispute about the debt being reported by the collection agency, XXXX XXXX XXXX. In response to my dispute, Equifax removed the collections from my report. They then reinserted the same collections without notifying me. They never notified me as to why the item was reinserted after they deleted it. I am uploading a screenshot showing the dates the items were deleted from my Equifax credit report. This complaint pertains to the following collections showing on my Equifax report : XXXX XXXX XXXX - {$520.00} XXXX XXXX XXXX - {$990.00} Account XXXX XXXX - {$1300.00} XXXX XXXX XXXX - {$700.00}
We have what seems to be a unique situation. Due to a serious medical issue we got behind on our mortgage and exhausted much of our savings. My husband and I are over XXXX. I am XXXX and he is XXXX. We decided to pursue a reverse mortgage and were approved ; however, the reverse mortgage is less than the principle balance, accrued interest, penalties and fees. We have asked Bank of America to accept the reverse mortgage and we can bring approximately {$10000.00} cash to closing to cover the principle. We provided all of the HAMP documentation to their liking and they are telling us that they can not take a settlement. They also tell us that if we were asking for a short sale they would be able to do this. This does not make sense because if they foreclose and do a short sale they will get less than if they accept our proposal. Is there anything you can do to help us? We have until XXXX to get this closed otherwise the reverse mortgage will expire and with the new rules the XXXX, XXXX, has told us that we will not qualify.
I provided several do not call requests to Regions Bank over the last few years. I am continuously told the only # that they are able to call is my mobile as I requested. However they have contacted my sister, mother, and XXXX year old grandmother, notified them that my account was in bad standings and have not contacted me directly neither in writing or by phone on the " only number they can dial '' as they 've told me multiple times. This is not the first time they have done something like this nor is this the first complaint I 've had to submit regarding Regions continuing to do what they want. I 've spoken to supervisors, managers, and even a regional manager, yet this continues to happen.
On XX/XX/2016 Capital Accounts reported an invalid debt to the XXXX major credit bureaus on my behalf. I immediately sent Capital Accounts a letter requesting validation of which they received XX/XX/XXXX. I then waited 30 days and sent a follow up letter requesting validation again, of which they received XX/XX/XXXX. As I had not heard back from Capital Accounts, I filed a dispute with XXXX, XXXX and XXXX as I 'd never done business with Capital Accounts and did not owe the alleged debt. On XX/XX/XXXX, Capital Accounts verified the account as accurate with the XXXX. 48 hours later, I received a message from another credit card lender that due to the recent changes on my account caused by the collection Capital Accounts reported on my behalf, they lowered credit line XXXX % causing my credit utilization to rise to XXXX % and tanked my credit scores tremendously. Due to the invalid debt, I 've been denied additional lines of credit and an opportunity to lower my current interest rates. Capital Accounts has violated FDCPA regulations : 1692 e ( 8 ) Threatens or communicates false credit information, including the failure to communicate that a debt is disputed and 1692 g ( B ) Collector must cease collection efforts until debt is validated