WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2016 I submitted a bill pay item in the amount of {$850.00} and as of XX/XX/2016 the payee had not received the check. I stopped payment on the item on XX/XX/2016 and was told various time frames by several telephone Rep when I would be receiving a credit back to my account. As of today XX/XX/2016, my account still does not have a credit for the missing bill payment. In this era of electronics I feel that Keybank is taking advantage of holding funds to retain interest in their holding account.
I am writing in regards to a private loan that is reporting incorrectly on my credit files/reports. On at least one occasion I have disputed the validity of the information being reported for this account and the dispute always comes back as unchanged and the account information being reported has been verified. The issue was clarified in the XX/XX/XXXX amendments to the FCRA, which set a specific starting date that is now SET BY LAW as the last deliqency date, and not later dates, such as a DOLP. FCRA Section 605 : ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Late Payments - Seven years from the month in which the late payment was due. If there are multiple late payments in one account item, then they will each expire individually. Charge-Offs - Seven years. The time runs from the date of the delinquency, plus 180 days. For example, if a payment was due on an account on XX/XX/XXXX, but the debtor defaulted, and never caught up to become current again, and the account is eventually declared a charge-off by the creditor, then the seven years reporting time limit starts running on XX/XX/XXXX, with the item scheduled to expire from his/her credit reports on XX/XX/XXXX. I have attached paperwork directly from the Navient website that clearly shows the first late on this account occurred on/around XX/XX/XXXX, but my credit files are reporting that there was n't a late on the account until XX/XX/XXXX. This erroneous entry showing an incorrect date of first delinquency is detrimental to my overall credit rating and has caused me severe financial and emotional distress.
My question now is how was this investigation conducted to confirm that what is currently being reported is accurate? A template response to my complaint at this point will not be acceptable. This account is not only being in-accurately reported but is also past the reporting limits based on the Fair Credit Reporting Act. If this situation is n't immediately rectified I will be forced to take further legal actions.
Contacted XXXX XXXX to dispute reporting " unpaid '' collection and charge off {$360.00}. I 've written and mailed XXXX, proof of paid settlement offer to XXXX ( their collection agency ). This was done XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. They continue to " Promise '' to update the report as paid but still shows error since XXXX as a charge off. I 've contacted XXXX XXXX and Experian every year since XXXX XXXX, XXXX. I 'm unable to contact Experian XXXX/XXXX/XXXX to dispute my report, even though I was given until XXXX/XXXX/XXXX to XXXX again submit proof.
Went to Rent a House for my XXXX bday, found a person through XXXX and she talked me into sending her {$690.00} deposit via my bank site, When I logged into my bank site I was able to do a " XXXX '' bank transfer which I thought since it was my own bank site they would have my back. Long story short, the person that I sent the {$690.00} dollar deposit cancelled my reservation when I asked for more details less than 24-hrs later and did not give me a refund as she promised. Since then I have filed a complaint with my bank twice ( Chase ) and they said that all XXXX bank wires are non-refundable. I filed a police report with the XXXX County Sherrif 's office and they said this is a Civil Matter, I spoke with XXXX XXXX   and they did not care and then Finally I hired a Lawyer who sent three certified letters to who we " think '' this person is. The problem is the person I sent the money too I only got their phone # ( which was the # I used to direct deposit ) and her email address. My lawyer found the house I was " supposed '' to have rented and sent certified letters asking the person to give me my {$690.00} deposit back but they have fallen on deaf ears or they have been refused. The bank still does not care that I sent {$690.00} to someone and I received nothing in return. I was scammed and because it was through " XXXX '' I have no protection. The lawyer said we could file a Civil Suit which would be another XXXX dollars but the biggest problem is we do not know who the person is and if we try to serve them with a process server that will cost more money, and if they even show up for court is another story all together. I just want my {$690.00}, I have a lot of proof, including a lawyer who tried to help with a demand to give my money back. The thing is, they were going to give me my money back but started giving me " rules '' -- they wanted me to send a picture front and back of my license but I was uncomfortable with that. Another interesting note, the rental house is still active on the " XXXX XXXX '' rental site but the person changed the name from " XXXX '' to " XXXX '', again XXXX does not care and does not want to help. Please look into why XXXX is not protected and what you can do to help me recover my {$690.00} deposit that I Sent. I have all the proof that this money should be returned to me. 

Important Info : Person I spoke with said her name was " XXXX XXXX '', her phone # is XXXX and her email address is : Email : XXXX The house address I was supposed to rent, the lawyer found it as address : XXXX XXXX XXXX XXXX, FL XXXX which is owned by a XXXX XXXX XXXX which comes back with the owner : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX FL XXXX -- XXXX has not responded to certified letter or calling him once. XXXX XXXX is another name that came up as well with the original phone #. 

https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Acquired a Capitol One Venture Card for trip to XXXX 6 or so weeks before the travel. 
When the cards arrived we called to inform them of the specifics of our travel, and requested a pin number which arrived by mail shortly. We called to change the numbers ( I believe this was automated ). 
On arrival in XXXX, we could not get cash with our pins. We did get one or two uses of the card, and then it was blocked. No call was received as is usual on our cell phone, nor on our home number when I had a relative check. As we had a back-up card and bank debit card, we switched to that use rather than incur the cost of phone calls to Capitol One. Calling today, Capitol One did not have the travel times, nor the cell number and claimed our home number was out of service ( a relative was here ). 
So, consumer beware. 
( What 's NOT in my wallet? )
bbt pulled my credit 3 times XX/XX/2018, XX/XX/2018 and XX/XX/2018 without my authorization which affected my heath credit. I need them to pull all those hard inquires from my score
To Whom It May Concern : On XX/XX/2018, I tried to open a bank account at XXXX XXXX XXXX as was denied due to an amount of {$330.00} reporting to XXXX by XXXX XXXX XXXX, now known as XXXX XXXX. After calling the bank to inquire and asked about how long it would be before the account was removed from XXXX, I was put on hold then blind transferred to a collection agency by the name of Convergent. 
The collection agency answered the phone after a blind transfer, how may I help you? As I was blind transferred at that time, my girlfriend identified herself as XXXX XXXX and the collection agency failed to get my authorization to speak with her and failed to mention company name and/or give mini miranda. At this time, the collector didnt know the answers to the very specific questions regarding the account they were collecting for their client, XXXX XXXX/XXXX XXXX. Not to mention blindly transferred to them without knowing it until later on when my girlfriend clarified from a very late Mini-Miranda. 
The questions being asked by XXXX XXXX were specific to the account Convergent was collecting for She wanted to know more about the ChexSystems process, which is the question I had initially asked the bank before the blind transfer. He continued to tell her he didnt know when the account would be deleted from XXXX. After clarifying I was transferred to a 3rd party collection agency, she asked for a supervisor that may know the answers to the questions she was inquiring about. 
She also failed to mention the Mini-Miranda, also asking for the name on the account my girlfriend again stated her name and they continued to discuss the account without getting authorization from me. They even asked if the account was for XXXX XXXX. She said yes. These are clearly violations of the Fair Debt Collection Practices Act ( FDCPA ) for the following reasons : - My girlfriend was with me and wanted her to speak with the collection agency. Collection agent answered the phone how can I help you at this time I didnt know we were even on the phone with collection agency ( Convergent ) Mini Miranda was not given by collector until later in the call. 

- Collector asked for name and my girlfriend clearly identified herself as XXXX XXXX and at that point they continued to give her information without asking my permission. 


- Supervisor by the name of XXXX XXXX advised her after the conclusion of the call that she didnt violate any laws by speaking with me and she can talk to anyone who calls. 

- In addition, when I contacted the company regarding the debt in XX/XX/XXXX, they failed to send me validation of the debt.
WENT TO COURT AND IT WAS RESCHEDUL AND I WERE NEVER CALLED BACK TO COURT, THE NEXT THING I GOT PAPERS WHERE THE JUDGE HAD RULE ON THEIR PART AND I WERE ORDER TO PAY. AND IT WERE ON MY CREDIT REPORT. COURT WERE RESET FOR XXXX-2008
8 weeks ago my mortgage was raised by XXXX and when i contacted lakeview loan servicing my lender they told me my property taxes were raised and they could not explain why. I contacted the county of XXXX XXXX counties office of the assesor and discovered my deed restricted home 's value ( BMR ) was recorded at the full amount. As of XX/XX/2016 the purchase date, my home was recorded at the value of {$680000.00}, instead of the restricted value of {$380000.00}. I provided all the documentation to the county who made the correction and provided me documentation of the mistake. As a result, my lender overpaid my 2017-2018 taxes by over {$3000.00} and had overdrawn my escrow. I contacted lakeview and provided them with all the documentation stating the mistake from the county and a new tax bill showing the correction and I cant get anyone to respond to my emails or my calls to fix this situation from lakeview. Last month I had to pay an extra {$600.00} on my mortgage and this month an extra {$250.00} and every time I speak with a manager who says they will call me back, no one does. They tell me there is no one that can take my call and I have overpaid this lender almost {$4000.00} and no one is willing to explain how to fix this.
Ive just reviewed my credit reports at all 3 major bureaus and noticed there are eight inaccurate late items on my report all from my DEPT OF ED/NELNET student loans. Please note, the only time Ive ever been late was in XXXX, when I sent my payment on XX/XX/XXXX, which was only 12 days late! It should NOT have shown up on my credit reports as even 30 days late, not to mention 90 days late, which is what it is showing. This is absolutely untrue, and Ive attached screenshots of my XXXX payment, as well as the payment I sent XX/XX/XXXX, to show that these accounts were never even 30+ days late.

They are reporting all 8 student loans as 90 days late, but none of my payments were even 30 days late. This is so frustrating as it's taken my credit score down 200 points, and is not even true! I ask that Nelnet remove all of these late payments from my credit reports immediately, as I have provided proof of my payments, and the information they're reporting is not true.
I understand that the law is civil judgments and liens can stay on credit fo r seven years. Seven  years is entirely too long for consumers to be able to regain credit acceptance. Although the law will change  XXXX   XXXX  this is for new debt. What about past debt? Working for a mortgage company you can even buy a house 3 years after you file bankruptcy! Why is the negative impact of judgments allowed 7 years to ruin your life? 7 years is absolutely asinine.
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to me.
I have disputed with all three credit bearues multiple times and some of the disputed come out verified and not removed I sent them mail of a identiy theft report via fax and mail also. They state they never receive it but I have proof of sending them it and they even keep adding collection but times care of some. On XXXX  I haven't even received a response and they hang up on me on the phone. I just want my credit I never even had a credit card and I don't have an opportunity to build it. They are not helping me at all
I am requesting with this notice that the following account be DELETED from my credit report. PNC CREDIT CARD ( NOT MINE ) this is a result of ID THEFT and is causing me financial distress because of their derogatory information. Appropriately, I can show a judge at XXXX County OHIO that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items correctly. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, how it was done with who with contacts actions I will file a civil suit in XXXX County Against XXXX if no results for damages. I take my credit very seriously and your lack of proficiency and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I stand by the right to sue your credit bureau for violations of the FCRA and I believe I can prove to full extent, that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process further. I am irritated at your indictment and I have consulted with the court my rights in regards to my credit file. I look forward to your expediting my original request immediately. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. This is NOT a request for " legalization '' via E or evidence of my mailing address ect, but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number and correct XXXX XXXX XXXX XXXX XXXX accordance with section, of the Fair Debt Collection Practices Act. Or I request this be Deleted with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization. 
XXXX
All webpages referenced in this complaint will be cited in this fashion : ( XXXX ), ( XXXX ), ( XXXX ). The corresponding XXXX links for each webpage will be provided at the bottom of this complaint. 

On XXXX XXXX, XXXX the credit reporting agency TransUnion altered their website in order to implement predatory sales tactics. In the wake of the Equifax information breach, TransUnion has significantly altered their page regarding information on credit freezes. The initial page ( XXXX ) provides detailed information on the nature and scope of a credit freeze ; not once mentioning any product or service provided by TransUnion. As of XXXX XXXX, XXXX the information on this webpage has changed drastically. The current webpage ( XXXX ), in step XXXX, explicitly offers a TransUnion service as a part of " locking '' your credit file. The information on TransUnion 's service is listed higher and is more prominently displayed than the information on credit freezes. The intial page ( XXXX ) was a detailed, effective explanation on credit freezes. The new page ( XXXX ) leaves credit freezing as a footnote at the bottom of the page. This is in spite of the fact that the new page remains titled " place-credit-freeze '' in the URL. 

Under the current minuscule information section on credit freezes, there is an XXXX link. That link takes you to this page ( XXXX ). This page SHOULD provide detailed information on the advantages and disadvantages of credit freezing, much like the initial page ( XXXX ) once provided. Instead, this webpage ( XXXX XXXX attempts to weigh the pros and cons of " locking '' and freezing, providing another opportunity for TransUnion to offer their credit " locking '' service. Finally, the most egregious section of this complaint comes from the table of comparison seen in the middle of the webpage ( XXXX ). This table could not be more obvious in its bias. It is an explicit attempt to sway unwitting consumers away from credit freezing and towards the service offered by TransUnion. In XXXX bullet points, the table proclaims that freezing your credit will cause you to pay fees, wait for your information, and lose control of access to your credit information. In that very same table, TransUnion proclaims that " locking '' your credit will be instant, independent, free, and online. The juxtaposition of these explanations is stark. Freezing is bad, " locking '' is good. Considering the massive identity theft potential of the Equifax data breach, and subsequently the current seriousness of a credit freeze, I find this behavior to be despicable. 


Cited Webpages ( XXXX XXXX https : XXXX : //XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
I checked my credit tracker and there is a XXXX XXXX account in my name that I do not have
Florida law does not allow credit card companies to call more than once a day. These guys keep calling all day long. Here 's today 's log on our phone log - Sat. X/XX/17 Citibank - XXXX ( while everyone is sleeping, no phone message left XXXX Citibank - XXXX ( no phone message left XXXX Citibank - XXXX ( no phone message left ) Citibank - XXXX XXXX no phone message left )
I ran my free credit report through Experian and found a negative report from the following company that I have never set up a credit card with and have never received any sort of a past due notice. The creditor 's information is : XXXX, XXXX XXXX XXXX XXXX XXXX, SD XXXX.
I opned my citibank checking account under this promotion. I have finished all their requirements but I still have n't received the {$300.00} as they advertised. 
https : //banking.citibank.comXXXX? XXXX & XXXX
WE ARE GOING TO START A INVESTIGATION ON OUR TOXIC MORTGAGE WE HAVE WITH SELECT PORTFOLIO SERVICING INC.

UNDER OUR HOMEOWNER BILL OF RIGHTS YOU NEED TO INVESTIGATE THESE VIOLATIONS ON OUR MORTGAGE.

WHEN YOU COMPLETE YOUR INVESTIGATION ON OUR REQUEST MAIL YOUR COMPLETED INVESTIGATION VIA UNITED STATES POSTAL SERVICE TO OUR HOME ADDRESS XXXX XXXX XXXX XXXX XXXX CA XXXX 1. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( A ) 2. VIOLATION OF CALIFORNIA CIVIL CODE 2923.55 3. VIOLATION OF CALIFORNIA CIVIL CODE 2923.7 4.VIOLATION OF CALIFORNIA CIVIL CODE 2924.9 5. VIOLATION OF CALIFORNIA CIVIL CODE 2924.10.

6. VIOLATION OF CALIFORNIA CIVIL CODE 2923.17 7. VIOLATION OF CALIFORNIA CIVIL CODE 2924.18 8. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( C ) 9. BREACH OF IMPLIED COVENANT OF GOOD FAITH AND FAIR DEALING 10. VIOLATION OF THE UNFAIR COMPETITION ACT CALIFORNIA BUSINESS & PROFESSIONS CODE 17200, ET SEO 11. NEGLIGENCE XXXX XXXX XXXX XXXX XXXX XXXX   XXXX CA XXXX XXXX *XX/XX/2019 XXXX XXXX * ACCOUNT XXXX
Went to XXXX and purchased a bedroom set with their 12 mo same as cash deal though Synchrony Bank. I made equal payments on time each month and payed off the original amount of {$2300.00}. The following month they send a bill for {$800.00} plus and for the 33 % interest plus Card Security charges and late fees. I never authorized any card security protection. I feel this is a scam against consumers and want this account cleared of all interest, card protection and late charges. 
Thank you
I write Equifax in XXXX and tell them no dispute for XXXX accounts XXXX and XXXX. But my mortgage person tell me they still in dispute. I NO DISPUTE. Please change this!
This is a rebuttal to the previous complaint The reason why you do not see the debtors on my credit report is because I validated information and submitted a disclosure statement to them and the debt collectors removed them.

The ones I had removed was the same ones that I filed a dispute with your company and the dispute was rejected. 

This sends a clear message to me that you all are not doing your job and there was debt placed on my report that should have never been there.
We have not received our disbursement check from Roundpoint Mortgage Servicing Corporation. The loan officer at XXXX ( who did the financing ) confirmed the loan was paid off on XX/XX/2016, the {$2100.00} was disbursed to us on XX/XX/2016. He was quick to get back to me. I contacted Roundpoint online thru my account and their secure message center. They have not responded. I have logged another request to them today asking why they have not gotten back to me. I also spoke to them on XX/XX/2016 inquiring about the delay. The representative told me to wait another week. It is now 16 days later since the disbursement and we have not received " the check in the mail ''.