WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX   XXXX   XXXX  showing late payments on  XXXX  of my accounts when in fact we have never been late and have paid extra each month. We have bank statements faxed to them to prove it. We also have monthly statements from  XXXX   XXXX   XXXX  showing no lates during the period in ques tion (   XXXX ,  XXXX ,  XXXX  of  XXXX  ). They are using voodoo math and tricks just like  XXXX   XXXX   XXXX  did. ( see FTC vs  XXXX   XXXX   XXXX   ).  They admitted their mistake on the phone. I want the CFPB to investigate  XXXX   XXXX   XXXX  on their business practices on how they report on all their customers to the    XXXX    Credit  reporting agencies. I feel I 'm not the only  one  they have hurt. Their mistake cost me  XXXX  points on my credit score.   Contract monthly payments are  XXXX . We pay  XXXX  month  to help pay the loan off faster. They told me they REMOVED a  XXXX   XXXX  payment since we were paying extra and that caused a " cascading effect ''. You ca n't " remove '' a payment a customer has already paid.
This is a follow up to complaint XXXX I supplied Citi with sufficient information to process a dispute with a merchant. Citi delayed months on this complaint ; there were constant struggles getting the investigator to reply. Nevertheless, Citi 's delays were jeopardizing the ability for the dispute process to occur through Visa. Finally, after submitting a complaint from the CPFB - Citi responded with a letter ( which CFPB was in cc ) stating that their executive office would be proceeding with the dispute and the merchant had 45 days to respond but to allow them up to 60 days to communicate any next steps or merchant responses.

On XX/XX/XXXX ( 60th day from the date of the letter ), I contacted Citi to find out if the merchant had responded. The letter clearly states that if there is no response by the merchant by 60 days, the credit would become permanent on my account.

On that phone call, Citi informed me that they had forgotten to submit the dispute and they would be getting back in touch with me about " writing off '' the debt since they clearly neglected to follow the steps they stated in their letter. I have a voice mail saved from their executive office that I would have a phone call with an answer by close of business tomorrow ( XX/XX/XXXX ). I've never received that call and have placed 15 calls since then at various times of the day - so far, I have left 3 voice mails with no reply.

On XX/XX/XXXX, I received a letter in the mail that I have also attached to this complaint. This letter was dated XX/XX/XXXX ( after the 60 day expiration ) - it now states that they will be working with the merchant and will let me know the reason if they can not get an agreement for a refund. Obviously, this letter contradicts the first letter and demonstrates egregious neglect and/or abuse of a process that I was entitled to when I signed up for the terms of service with using their card.

The CFPB feedback window on the first complaint expires in 60 days from the date of the original complaint ; therefore, I was unable to add these follow up action details. By filing a new complaint and making the CFPB aware, my hope is that they were not able to slide through the first complaint to seemingly comply and satisfy the issue.

My consumer abuse experience is evidence that the lack of action for my qualified dispute is a clear breach of their cardholder rights under the terms of service offered when I signed up for the card. Depending on the response to this complaint, I have been requested to submit all compiled information to the Attorney General 's office for actionable review.
On XX/XX/XXXX Capital One Bank sent me a notice confirming that they sold accounts were included in a bankruptcy filing on XX/XX/XXXX, On XXXX XXXX before the case was dismissed on XX/XX/XXXX. This is illegal. I have sent multiple complaints about many violations with the sale, collections practices and validity of accounts they sold to XXXX XXXX XXXX Capital One Case # XXXX CFPB Complaint # XXXX
I have  XXXX  private student loans wi th Navient. I  ca n't make the payment amount that they request per month. I need to be able to pay about {$400.00} per month for those  XXXX  loans, but they will not do that. They have ruined my credit and my co-signers credit. I have been going through sickness that past couple of years but they have been no help. I have called them several times and each time they offer me different terms and payment arrangements through the company. I just need to lower my payments please help me. Also the interest rate on those loans keeps on changing every year and it goes higher and higher. I will never manage to pay those loans off.
In XXXX XXXX i was sued by XXXX XXXX for a car i voluntarily had repossed because they asled of i could borrow money to make a payment, they hired shermeta law group to sue me, i was sued and a settlement was reached, I am also a XXXX employee myself. I have been making payments to shermeta law payable to XXXX XXXX since XXXX, XXXX in the amount of {$200.00} a month, in XXXX of XXXX i was on a temporary layoff for 2 weeks, I contacted shermeta lae that i was on layoff they would not work with me, aftdr notifining them in XXXX XXXX of layoff they stopped sending statements of my account and payment coupon, I made a payment in XXXX XXXX without a coupon, on XXXX/XXXX/XXXX i recieved a letter dated XXXX/XXXX/XXXX that says i defaulted and now i owe the amount of XXXX instead of XXXX, they gave me 14 days to respond, this XXXX XXXX acount still shows on my credit report negative non of the payments made from XXXX to XXXX are being reporte to my credit report, i also have fmla due to a XXXX so i miss time from work, i ask tired of being harrased, they dont even send the paperwork to the correct address, they threating to garnish my wages, i am really XXXX from this company, please help.
I am having some issues on my credit report. I have inaccurate information showing My name is XXXX XXXX XXXX. my DOB is XX/XX/XXXX. My currnt and only address is XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. My phone number is ( XXXX ) XXXX. My current employer is XXXX XXXX XXXX. 
The following addresses are not mine please delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, OH XXXX The following phone number are not mines : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Mr. Cooper claims I am in bankruptcy but has revealed that it was a mistake. Someone with the same last 4 digits of their social security number is in bankruptcy and it applied to me. I have tried to get this resolved but nothing is working. 

Here is a summary of the calls I've made : XX/XX/XXXX - Discovered I was not the person that was in bankruptcy. Assured me that the issue would be resolved in 2 or 3 business days.

XX/XX/XXXX - Confirmed that it was an error on their part. Agent opened a review.

XX/XX/XXXX - Confirmed that it was an error on their part. Agent saw the open review and decided not to open another since it would start the process over. 


Due to this I am : 1. Not able to pay my monthly mortgage, they are not accepting payments 2. Can not log in to account on https : //www.mrcooper.com/XXXX  to see my loan details Since I can not pay will this affect my credit? Am I going to have to pay my amount due immediately when I get cleared? I am selling my house. Will this affect the process?
Sent dispute to Equifax on XX/XX/XXXX re : XXXX credit card account XXXX to verify date of first delinquency. Received response XX/XX/XXXX stating company verified date of last activity was correct. Recent correspondence directly from XXXX XXXX verifies account was closed ( due to original delinquency and nonpayment ) XX/XX/XXXX ( see associated CFPB complaint # XXXX XXXX. Account is still reporting, which exceeds the XXXX year reporting period for negative accounts.
I applied for a Refi mortgage with Navy Federal Credit Union. The loan refi was denied. 
I wrote a XXXX page letter to NFCU describing the fiasco. I will attach the letter for your read. 
Thank you, XXXX XXXX XXXX
On XX/XX/2018 I sent dispute letters to Experian and XXXX, regarding an account on my credit file that had incorrect or missing information. I stated : " I am writing to challenge the reporting and compliance on an account with XXXX XXXX that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect account number. 
Your improper procedures are highly damaging to my credit score. Please immediately delete this item. '' When I received the response back from each company, they stated the account was valid, but they did not address the fact that I can't see an account number for me to verify it myself. Just a bunch of XXXX 's. 

As required by section 609 of the Fair Credit Reporting Act, it states that by not reporting the entire account number, 100 % of the information is not being reported accurately. 

I have enclosed these documents below.
Hi XXXX XXXX purchased a charged off account - credit card ( XXXX max ) and have been harassing me for years to pay this at 3x the amount I ever owed. Asking XXXX pay off. I have tried to negotiate to no avail. I have asked for itemized billing but they send nothing. Please advise them to remove that debt from my credit report thanks XXXX XXXX
I sent certified mail to XXXX, Equifax and XXXX to delete three derogatory items from my credit report. The dates, amounts and actions. 

Dates : XX/XX/17 & XX/X/17 Amounts : {$1200.00}, {$3500.00} & {$88000.00} Actions : The credit bureaus stated, Verified ( They did n't provide me with any info with who they verified with ).
Accessed the credit bureaus online to file a dispute on inaccurate personal information and inquiries. Was able to create an online account however I was unable to get pass the identity validation questions. I answered the questions with the answers that I know to be correct however I received an internal error message- the information can not be verified. Obviously the bureaus have incorrect information reporting for me which in turn make it impossible for me dispute the info- which is the whole reason I am trying to gain access to the reports.
I went to a  XXXX   XXXX  in Hawaii and paid the {$30.00} copay under my plan. They billed me for an additional {$20.00} after the insurance company paid. This ended up being an error on the part of  XXXX  and they 've sent the outstanding balance to a collection agency  - Transworld Systems ,  Inc.  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , PA  XXXX  -  XXXX . I spoke with my benefits department and they called  XXXX   XXXX  and  XXXX   XXXX  who confirmed it was billed incorrectly. I am concerned this is going to show up on my credit report as a bad debt when  one w as never owed.
I am on an income based repayment plan through Navient. I submitted my yearly tax returns to have my payments reassessed. On XXXX XXXX I got an email that the payment term for my loans had changed and my next payment amount was {$340.00} due on XXXX/XXXX/16. On XXXX XXXX I got XXXX emails. The first said that the payment term for my loans had changed and my next payment amount was {$360.00} due on XXXX/XXXX/16. The second said that the payment term for my loans had changed and my next payment amount was {$51.00} due on XXXX/XXXX/16. On XXXX XXXX I got a monthly statement email that said my next payment amount was {$760.00} due on XXXX/XXXX/16. When I logged into my Navient account to check which amount was correct it said that the auto-pay would bill my bank account {$760.00} on XXXX/XXXX/16 and XXXX/XXXX/16.
Sir Madam Each month I receive statements ( demands for payment ) XXXX for the following month and XXXX for the month that has been paid but dosement acknowledge that payment. I want Chase Bank to stop sending us a demand for payment, for a period that has already been paid. Just to be clear we receive XXXX bills for every loan that we have. This is confusing and will eventually cause a laps in payment or an over payment. Which I want to avoid both they are blaming the federal government. I would like to have any payments already made to be acknowledged since we pay the stated amount before the statement is sent. If the statement amount has already been paid the statement should at least state that. This practice is bound to cause a mistake that will cost me money for a late payment or something like that. 
I would like to point out that JP Morgan Chase bank is a convicted felon, convicted by due process of law and as I understand they have admitted to these wrong doings. 
I also do n't think you the c.f.p.b. will not intervene in this case you people have been of no help in the past XXXX XXXX
We keep getting voicemails from Bull City Financial for debt collections however we have no debt and have perfect credit. They leave robomessages and it is hard to get in touch with a person. I have looked into this company online and it is a scam. They either are calling the wrong number, or they try to collect mo that was already paid in full. They put stuff for other people on individuals credit reports. This company needs to be shut down or heavily regulated. This is not okay by any means for this to go on. Please do research and XXXX this company down.
I have sent four written request ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) certified to this credit bureau to VALIDATE a debt ( XXXX ..., XXXX ..., XXXX ..., XXXX ) that has been placed on my credit file. This credit bureau has FAILED to validate this request by providing an original consumer contract with my signature on it. According to the FCRA, accounts that are not positively validated by proof must be removed and deleted. This credit bureau has failed to do this more than four times. It has " said '' that they have verified this debt but has only sent an alleged account history. This is not sufficient and does and is a violation by federal law and I fully intend to pursue litigation in accordance with the FCRA to enforce my rights. The accounts need to be validated by original contract or DELETED.
On XX/XX/2018 I received a letter from Key Bank regarding my recent application for a Key Bank Home Equity Loan. In the letter is references my XXXX   score dated XX/XX/2018. I never spoke to anyone at Key Bank authorizing them to run a credit score or to refinance my current mortgage with them. They had called my cell phone numerous times prior to the credit pull, but I never returned their call or spoke to anyone. It is illegal for them to pull a credit report without my authorization and now my credit was dinged for an unauthorized pull.
My husband, has his own XXXX and his business account is through Wells Fargo. XXXX of his tenants was behind several months on rent and allegedly stole XXXX her grandmothers Wells Fargo convenience checks to pay her past due amount of {$2500.00}. My husband deposited this amount into his Wells Fargo Business account when it was received. He paid the owners of the property for the amount of {$2500.00}. In XXXX this amount was deducted by Wells Fargo from his business account because the grandmother claimed fraud on this convenience check that was written to my husbands XXXX company by her granddaughter. I do not understand that after a check " clears '' that Wells Fargo is able to come back months later and deduct this amount. I am now a victim of this as this amount of {$2500.00} is being deducted from our personal account. The only way Wells Fargo would have had access to taking this money out of our account is by a matter of convenience that we also have our accounts there. Wells Fargo should be held accountable for clearing this check!
XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX AFTER ONE YEAR OF CHALLENGING THESE ACCOUNTS REPORTING IN ERROR A FRAUD ALERT WAS PUT ON MY REPORTS WHICH I WANT REMOVED AND THEY SAID THEY WERE NOT REINVESTIGATING PER FCRA NO BALANCES OR CREDIT LIMITS SHALL BE REPORTING ON ANY ALLEGED CHARGE OFF OR COLLECTIONS ACCOUNTS
XXXX XXXX CREDIT CARD # XXXX ( XXXX XXXX XXXX ) XXXX XXXX CREDIT CARD # XXXX ( XXXX XXXX ) XXXX XXXXXXXX XXXX CARD # XXXX ( XXXX   CARD ) XXXX XXXX CARD # XXXX ( XXXX XXXX ) XXXX CREDIT CARD # XXXX XXXX XXXX XXXX # XXXX XXXX CREDIT CARD # XXXX ( XXXX CARD ) 2 THINGS THAT NEED ATTENTION ASAP. ( CORRECTION ) 1ST : DO NOT OWE NO $ TO NONE OF THE ACCTS ABOVE.

2ND : EACH ABOVE ACCTS NEED TO BE REPORT TO EACH CREDIT BUREAU.

( ALL 3 CREDIT BUREAU NEED TO MATCH CREDIT UTILIZATION )
XXXX, XXXX  and equifax all have different totals for my credit report which is damaging my name and my possibilities on getting employment potential housing and car loans as well as just information that is completely unfounded, as well as posting medical debt and posting accounts that have been bought by companies that I've never done business with and calling it accurate. This is a pure case of Defamation of character and I'd like it to be resolved ... ..
We have currently applied for a loan modification  with SPS,  on  XXXX / XXXX /   2017  at  XXXX  is when our problem had first occured when the lender had asked for the home owners proof of occupancy as in a utility bill. ON  XXXX / XXXX / 2017  at  XXXX  we  sent over the document that was requested and also spoke to someone at SPS that advised us they have received our document and our account was now with the underwriting team pending further decision. Now on the same day eight minutes latter SPS call s our phone and ask for the same document they just told me they received and is being review? So we had sent it again with no complaint on the same day  XXXX / XXXX /   2017  at  XXXX . Now we let a couple days go by and we receive another call on  XXXX / XXXX / 2017  at  XXXX  requesting the same utility bill arguing we had never sent ir before so of course again it was sent into their office via fax. This same issue continued with them asking for this document and then saying it was not received on each and every single one of these dates  XXXX / XXXX / 2017   XXXX ,  XXXX / XXXX / 2017   XXXX /2017  XXXX ,  XXXX / XXXX / 2017   XXXX  until finally on  XXXX / XXXX / 2017   XXXX  SPS called in with a denial for the modification stating we failed to send in the required documentation needed and also stating they had no records of communicating with us or receiving anything that was needed to push this to the next step.
GULF COAST COLLECTION BUREAU, ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you GULF COAST COLLECTION BUREAU, or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : GULF COAST COLLECTION BUREAU, or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Between the months of  XXXX ,  XXXX , and  XXXX  of    2017  an unverified account with  XXXX   XXXX  for {$2600.00} was investigated and deleted from credit reports. The account has been reinserted on my credit report under  XXXX   XXXX   XXXX  for {$2600.00}. Once  XXXX   XXXX   ( who m I have never had contact with or have a contract with ) received notice of my disputing this account with them, they sent me a letter concerning this previously deleted unverified account. Furthermore, I was not given the opportunity to contest this information before it being re-reported because I did not receive m y five bus iness day notice that this information was being re-reported on my credit report.
I had insurance. And I reported the debt to this company and the company charged me XXXX!! They charged me XXXX more dollars to my credit now they are saying I owe them XXXX and its overdue. I dont owe them nothing and they cant charge me XXXX firstall. What is going on with this company. Why are they charging me AGAIN! I have insurance so why isnt my insurance covering it. This is HORRIBLE! PLEASE HELP ME.
This problem started last year XXXX of XXXX in XXXX XXXX Texas. I 'm a XXXX veteran XXXX I turned all the paperwork in the month of XXXX XXXX when I retired from the military XXXX/XXXX/XXXX. The taxes district appraisal had my paperwork and said that they would send my documents into my bank. My bank, US BANK never received the documents. The District Taxes Appraisal said " It would be sent out in the month of XXXX, US bank would receive by XXXX they the mortgage rate would be changed then ". I called my bank in the month of XXXX or XXXX after leaving the District Taxes Appraisal seeing if they received my documents the rep from US bank said NO. the rep stayed on the phone as they talked & talk with the rep from the district appraisal. Nothing happened XXXX had n't done there part to send documents in. In the month of XXXX was at XXXX from the Department of the military. I turned those documents in my bank, through the district appraisal. It went in right away. Previously I received documents from US BANK stating that my mortgage would be at {$1800.00} starting the month of XXXX till there were new document to prorate & there would be a new mortgage balance. The bank totally ingored my documnets. I had my documents turned in on time before they sent the new bill of XXXX. I 'm curently behind on mortagae due to this. I 've had XXXX diffrenet amounts for mortgage. Being at XXXX my mortgage is XXXX ... Other veterans I 've spoken with is also in XXXX XXXX of XXXX XXXX their 's mortgage is in the low {$800.00} or high {$900.00} same square footage as well. I 've never been late on mortgage payments until XXXX XXXX US BANK old me they had noted my account several times with information once I missed payments they did n't know where notes had went, it 's as if they did a XXXX ' degree turn on me I felt like I was be abused by they mortgage company please help
They are trying to tell me that I have fraudulent activity associated with my social security # and that I am being sued for {$1500.00}.
Experian is reporting a negative account that doesn't belong to me and have continually done so even though I have sent in all documentation and police reports for removal They removed the account and just recently placed it back on my credit file and will not reply or correct this
XXXX XXXX was notified by registered mail, please see attached, that I was disputing charges, XXXX XXXX reported that I paid late when I was disputing the charges