WillisBack/dataset-financial-user-claim huggingface dataset:
they are reporting that I was over 60 days late, I have never missed a payment on my credit card
3 major credit bureau companies accumulate information on you without your consent : XXXX, XXXX, Equifax ; which are used by banks, mortgage cos, car dealers, etc. : Just about everyone : They arbitrarily use some rating system along with keeping these statistics for an inordinate & obscene amount of time whether justifiable or not : This determines interest rates usually affecting the least of us in society that can afford these interests : EX : I had car repossessed by XXXX XXXX even though customer leasing for 10 yrs when I had XXXX XXXX & in hospital for 7 days : I called XXXX myself & told them I was behind a couple of months, but would pay XXXX of month. I even provided hospital phone number for verification : They chose to repossess my car from my driveway in a rainstorm : Irrelevant now, but cost me thousands to retrieve, etc. Now this is on my credit report for 7 yrs. etc. Otherwise my credit outstanding payment wise on all related finances. My point is this : How is it that consumers are subjected to the whims of these 3 major credit bureaus regardless of whether we have access to our scores accumulating all our private financial information which can affect us adversely for so many years as if we are convicted felons ; let alone what gives them the right to accumulate our private information? I committed no crime yet whenever anyone accesses my scores which are still relatively decent mid 700s on one, etc. considering the incident ; yet I am subjected to adverse interest rates because of the credit bureaus keeping questionable information for 7 yrs, etc. More importantly explain why these bureaus are able to control the financial circumstances of millions of Americans when there are so many other mitigating factors involved in the loaning of monies for mortgages, cars, loans, etc. including fact of building rapport & continuity of payments with banks, dealers, etc. than can determine their own judgement as to whether you are a viable risk> Absurd to have so many lives be charged excess interest fees & be subjected to the power of these bureaus who have accumulated your information without your consent : Class action lawsuit should be filed forcing them to stop these practices as well as legislation prohibiting these arbitrary year numbers of maintaining questionable information that are so incredibly time consuming to combat with them ; it would take you 7 years just to update your information accordingly : Do something : Congress should do something : Millions of people fall deeper in debt because of the uncontrollable usage of these 3 large firms that have tons of questionable information accumulated that is virtually impossible to combat in order to assist you when applying for credit, etc. Thank you for your time & effort : Respectfully, XXXX XXXX
In XX/XX/XXXX, I received a bill from my dentist for {$270.00}. I have him set up on the AstoriaBank bill pay service with the correct payee and correct address. AstoriaBank apparently works through XXXX and I believe it is XXXX bank in XXXX, WI to transmit payments. I paid the dentist through the Bill pay link and later was informed that the payment " cleared '' on or about XX/XX/2016. Despite this my dentist continued to seek payment from me and initially when I looked to secure proof of payment, I received only the front portion XXXX my bank does not provide both sides of paper checks written out through its bill pay service ) of the negotiated check. Eventually, in XX/XX/2016, I received both sides of the check which is annexed. Any review of the check will reveal that wile it is made out to a dentist it was cashed by an auto parts place. It was never properly payable to a car parts place. Astoria has known of this since at least XX/XX/2016, and refuses to restore the money improperly debited from my account until they secure the money from some place else. While they call every so often to provide a status, the simple fact is that they or their agent wrongfully paid out on a check despite the endorsement very clearly reflecting that it was not properly payable to the entity to which they furnished my funds. They have no right to insist that they recover their money before restoring the money wrongfully taken from me.
On my XXXX report, Net Credit as of,XX/XX/XXXX, is listing my account as being closed on XX/XX/XXXX and reporting the account as closed/charge-off. However, all other reports have shown that the account was closed/sent to collections in XX/XX/XXXX. I entered in a payment arrangement with Net Credit in XX/XX/XXXXand agreed to pay {$170.00} per month for 61 months. I have been paying said amount since XXXX. On XX/XX/XXXX I received an email from Net Credit offering me another payment plan of {$170.00} for 55 months. With my account now reporting that it was closed on XX/XX/XXXX - I find it peculiar that I received that an email 2 days before asking me to enter into a new payment arrangement. With the new reporting date, Net Credit is purposefully try to re-age this account to keep it on my credit report a year longer than it is supposed to be. Net Credit with it 's obscene interest rates and predatory lending practices has already wreaked enough financial and emotional hardship ( to include almost making me lose my job ) that at the very least they can correct their reporting to the credit bureau. I would also like to ask the company to remove the charge-off status on my report. I am in the process of trying to refinance my home to pay for the extensive medical care that my XXXX year old son needs. He has a XXXX XXXX XXXX ( XXXX XXXX XXXX and XXXX XXXX XXXX ), and his medical bills are mounting. This charge off status is not allowing for the refinance to happen and is literally going to cause my child to miss out on the medical care that he so desparately needs. While I doubt this company cares about the health of my child and or my circumstance, it would be life saving if they did.
My father XXXX in 2009 and I assumed his mortgage loan thru Ocwen Loan Servicing, XXXX XXXX XXXX, FL XXXX, since I own the property. The statement have come in my name since the assumption but I notice that the last XXXX have been changed back into my father 's name. When I contact them, I am told that I am not authorized on the loan therefore they can not discuss anything with me. I have spoken with XXXX different individual. Only XXXX did a little research and found that the statements were coming in my name but would not explain why or how the account was put back into my father 's name. He also advised that he needed a couple of days to correct the mistake and would call back on last Friday. He told me not to call anyone else because XXXX or more people trying to handle the situation would only complicate things. I tried calling him back at the number he gave as his direct line but it goes straight to a voicemail. I have tried to speak with supervisors etc ... but was told they are busy or that I could write a letter to a XXXX for help. I asked for a number to the assumption dept but was told that I could not speak directly to that department, another thing that has changed since 2009. Please help with any assistance.
I opened a checking account with {$50.00} in XXXX and tried to setup direct deposit through my company 's payroll. For unexplained reasons, they were unable to establish a connection so direct deposit never started. 

I did n't use the account, but logged in today to try to resolve the issue. Instead, I see a {$0.00} balance and that the account 's been closed without any warning or communication. 

The {$0.00} balance is because they 've taken XXXX months of $ XXXX monthly service fees - again without any communication. So I 've lost {$50.00} without any warning or communication and nothing to show for it. And XXXX has forever lost me as a customer.
I switched homeowner insurance companies in the middle of my policy. My servicer, LoanCare, refused to cut a check to the insurance company for the amount of my new premium because they claimed it " was n't their policy to submit XXXX checks to insurance companies within 12 months. '' I spent over an hour and a half arguing with different people in different departments and was told someone would call me back. Because of LoanCare 's gross negligence, my insurance payment is now 24 days late as of XXXX/XXXX/2016.
I set up automatic bill pay of my credit card from my checking on XXXX/XXXX/16. Tech support confirmed this, my credit card is due tomorrow XXXX/XXXX/16 and was not paid. They recognize the auto pay and ca n't explain why the system did n't pay the credit card. I was on the phone for over 2 hours and got cold transferred 5 times.
I made two extra payments of {$100.00} on XX/XX/18 and XX/XX/18 to my Navient loan ending in XXXX. I did not have any required payments during these two months, and was trying to lower my principal balance.

I have instructed Navient many, many times to apply any extra payments to my principal. Even when

Navient was Sallie Mae, I sent numerous emails and letters instructing them to apply any over payment to principal. Both those payments resulted in being applied to unpaid interest and my balance did not decrease over that two month span. When I have a few extra dollars I ALWAYS use them to pay my student loan balances down. This is not my first complaint about Navient. They have applied my payments incorrectly multiple times and I have complained to them in the past. There have been no changes to their practices. I have had this loan for 10 years now and my current balance is still not below the amount I borrowed, which is absolutely infuriating and unethical.
This creditor is reporting a negative debt against my credit report and has refused to debt it. This creditor is in violation of several consumer rights under the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act, I am entitled to notices concerning the reporting, handling and use of my credit information. Notice violations under this act occur when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency and when a creditor fails to notify you of your right to dispute inaccurate credit information. Hence, this company is in violation of two different consumer credit rights.
PRESSLER AND PRESSLER SUED ME ON THE BEGINING OF XXXX with the XXXX SPECIAL CASE DIVISION COURT IN XXXX XXXX. XXXX XXXX XXXX. 
XXXX XXXX ( Original Creditor ) sold to XXXX ( pressler and pressler attorney ) .Defendant answered the claim and request interrogatories. Plaintiff provide hearsay documentation with affidavit from the XXXX XXXX not the original creditor. Plaintiff did n't provided any agreement or sign documentation showing the name of the defendant. This credit card was opened in XXXX and they filed a lawsuit in XXXX  where the defendant currently lives. The judge thought that the documentation provided was enough and executed a judgement. Defendant provided a reconsideration to vacate judgement but the pressler rebuttal stating that the judgement should be final and no reconsideration should be honor. Judge honor them a writ of execution which defendant never received from plaintiff by mail or by person. Pressler and pressler illegally provided a wage of execution and harras me me every time I was looking for a job sending wage execution notice to each employer. Currently and they know that I 'm unemployed and got a XXXX surgery making me judgment proof status. Until today 's date we do n't have real documentation that XXXX XXXX is the new creditor and pressler and pressler did not provide any crucial documentation. Even though there was a lawsuit from CFPB halt them to stop collection activities, the judge is aware of this but it was ignore.
Core Advisory, XXXX XXXX and his company and staff took {$3900.00} to work on my behalf to get my home out of foreclosure, reduce all the add Rd fees and get me a new loan modification. Core Advisory Group did nothing to help me and lied and as soon as they got all of my money never returned calls, or did a single thing to help me. The company actually told me " I was a difficult client '' and they would have a meeting to decide if they would continue to even deal with me. XXXX told me he 'd call me back with a d vision and BEVER again called me or answered my many calls or emails!!! This is a very bad, crooked company. DO NOT believe a single word they tell you. Once they sent a notary to my home to get my {$3900.00} dollars, they quit even taking my calls
I disputed a charge on my credit report through all three credit agencies. I just received notice from Transunion that the XXXX charge for {$18000.00} has been verified, no change. I did not make any charges to this company and have no idea what this charge is for nor who they are. I demand to see original documentation of said charges if they say they have some. I did not make those charges and realize this company most likely bought out some debt ; it was not mine. I want to see proof of original documentation of the debt. I call not only the company XXXX in question, but also Transunion for not properly having the documentation verified correctly. Obviously, since I did not originate this debt ; I have no paperwork to prove that. I did not originate this debt and it is not mine. I demand original documentation be provided and this charge will be removed from my credit report immediately. Thank you!!
ON XXXX XXXX, 2017 A FEMALE CALLED XXXX AND ASK FOR XXXX XXXX WHO IS MY SPOUSE. I ADVISED HER HE WASNT IN. AND I CAN ASSIST HER. SHE THEN WENT ON TO TELL ME HE OWE A DEBT AND THE AMOUNT WAS XXXX. I ADVISED THE COLLECTOR THAT THE AMOUNT WAS INCORRECT. SHE BEGAN TO GET LOUD AND CURSED ME AND SAID XXXX PAY YOUR BILL. SHE DID IDENTIFY HERSELF AS " XXXX ". THE NUMBER CAME UP AS A XXXX XXXX NUMBER WHICH WAS XXXX. I ADVISED HER NOT TO CALL MY PHONE BACK AND I CALLED HER A NAME. SHE THEN CALLED ME BACK AND SAID YOU ARE A XXXX AS WELL. I CALLED THE COMPANY XXXX XXXX IN XXXX AL. AND THEY GAVE ME THE NAME OF THE COMPANY WHO HAS THE ACCOUNT. PLAZA SERVICES XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX. GOT A GUY ON THE PHONE AFTER WAITING 25 MIN TO SPEAK WITH A SUPERVISOR. THIS WAS A VIOLATION OF FDCPA PRACTICES.
I submitted a dispute letter to Experian regarding inaccurate information contained in my credit report. I authored the letter on XXXX/XXXX/2015 and sent the letter certifed and return receipt via US mail. On XXXX/XXXX/2015 I received a letter from Experian dated XXXX/XXXX/2015 stating they have determined the dispute was suspicious and not sent by me, a violation of the CRA. Experian has refused to conduct an investigation of my dispute within 30 days, due to inaccurante information contained in my credit report. I was denied a refinance of my mortgage, inorder to save in PMI of {$480.00} a month. 
Here are the accounts I have disputed : XXXX XXXX - Account # XXXX. Late reporting is not correct. 
XXXX Bank - Account # XXXX. Reporting status is not correct. 
XXXX XXXX - Account # XXXX. Incorrect late dates and amounts. 
CAP XXXX - Account # XXXX. Late reporting not correct. 
XXXX XXXX - Account # XXXX. Late reporting not correct. 
Please investigate and provide me with results.
No monies are owed to XXXX. XXXX took their monies on the XXXX of every month due to the fact that I signed up for automatic withdrawal. Account has never been negative.
I bought my home in XX/XX/XXXX and the mortgage company was XXXX XXXX. Within days of signing, I received notice that my loan had been sold to U.S. Bank. U.S. Bank informed me of this transfer with new address to send my payments. 
Two months later, U.S.B. sent me notice of my home located in a flood zone. This was contrary to what my previous lender/builder told me. The notice never reached me and I was unaware of this at the time. It was the follow up notice that finally reached me. Here I was informed that since I did not provide flood insurance within the specified time ( never received the XXXX notice ), U.S.B. have gone ahead to provide with flood insurance and that my payments will be going up. I tried to explain to them that I was told from the onset that my home was not in a flood zone. Why was U.S.B. coming after me? This was a hassle I had to deal with costing a few thousand dollars to resolve. After this issue was resolved, my payment went down and I thought okay, all will be fine now. 
XX/XX/XXXX, I received yet another notice informing that my account was analyzed and it appears my escrow account was short {$3000.00}. I called to ask several times why was there a shortage since I have made regular payments/never late. The customer representatives I have spoken with could not give me concrete answers. It appears to me their answers were speculations rather than factual. This analysis has seen my mortgage payment skyrocket from about {$1100.00} - {$1600.00}. This is beyond what I signed up for and I feel the bank is not treating me fairly. I have also noticed some noticed in my payments breakdown, " additional taxes '', " mortgage insurance ''. The former I have no idea what those are and customer service has not helped. The latter, I was told it will drop off after a year, it has been two years and it still appears in my bill. 
I will like CFPB to investigate these issues on my behalf because I feel I am being railroaded my U.S. Bank.
Have applied for many loan modifications Just received a denial this week in XXXX ; letter is dated for XXXX, XXXX. Then received an email of an approval. Ocwen used an income figure of {$9000.00} per month calculating my payment to {$2200.00} I am on benefits of {$1600.00} per month because of a car accident and will resume full time employment in XXXX, XXXX per the doctor Ocwen has made so many mistakes it unbelievable Where are they getting that kind of income and I have never sent updated income from my employer since I have been out of work
In   XXXX   I cancelled a  XXXX  music charge on my account. The lady a t Capital One  got  XXXX  on the phone so we had a  three way  conversation. I cancelled the  XXXX  charge and also closed the account. Since then I still receive the monthly bill with the  XXXX  charge added. I called  Capital One but t he young lady seemed confused but said everything was taken care of. This month,  XXXX , I received an additional charge on my account that was supposed to be closed in  XXXX . I can not get through to  Capital One that I want no more charges I did not make to an account that was closed months ago. Please help.
Received a call from an unknown number at my desk at work, the gentleman introduced himself as, " XXXX, '' and continued with the Mini-Miranda disclosure. He advised that he was calling from AFNI, regarding a debt, I informed him that I had previously requested no calls were to come to my place of employment, and to please note the account. XXXX acknowledged that, '' my account had been documented from my previous conversation, the number must not have been taken out. '' And then continued to pursue payment for this debt. I advised XXXX that continual calls at my POE are a clear FDPCA violation, to which he continued to attempt to collect on this debt. I promptly ended the call at that point telling XXXX to have a nice day.
In XXXX of 2015, I did a transfer fee to my Discover Cards in the amount of {$3300.00} to consolidaye my debt. I opted for the 0 % APR with a {$99.00} transfer fee. However, I was then being charged a " Minimum Finance Fee '' of {$0.00} per month. Come to find out, this was interest on the " Payment Protection Program '' I was enrolled in that is assesed monthly. The " Minimum Finance Fee '' is automatically charged the same time as the " Payment Protection Program '' fee because I have a running balance due to the transfer ( even though that running balance is at 0 % APR ). There is no way for me to pre-pay this " Payment Protection Plan '' fee except by paying off the total amount owed, which is currently {$1500.00}. They claim this is because of " Daily Residual Interest '' but they do n't even give me 24-hours to pay off the " Payment Protection Plan '' fee. Is this legaL?
I would like to continue my fight against Equifax reporting XXXX to my credit report against the law. I recently checked my XXXX XXXX monitoring service and noticed that XXXX # XXXX is still illegally reporting against me and affecting my credit score and hindering my credit report. I have repeatedly asked to be provided with proof that aligns me, XXXX XXXX, to this inaccurate account and I have received nothing of use nor any correspondence from Equifax. This is not fair. This account is not an account that I have ever held and it can not be reflected on my report. I have disputed all of the information and found it very suspicious and weird that they deleted all of the payment history and changed the dates to newer and more recent dates. I can not fight this uphill battle if they keep changing the game. This is not my account, I have no proof nor any knowledge of this and would like it removed immediately from my credit report with Equifax. I mean why delete ally payment history and leave me with nothing to look at and nothing to say besides that this is NOT my account and it is not correctly reporting any information, therefore remove it, please.
Security Credit Services contacted me about an old debt. The debt amount was for {$2300.00} and I agreed to set up payments of {$100.00} a month. I asked for statements in the mail for verification and also I wanted the paper trail. I never received a statement in the mail and when I looked up my credit report it showed the debt amount as {$7900.00}. I have tried to contact them by phone to no avail. I have stopped my payments on this debt as I think I am being scammed. My credit report now shows that I am missing payments to the debt to which I want removed so I can figure out what is going on here without it reflecting negatively on my credit report.
I have {$1700.00} in my USD wallet on Coinbase. OnXX/XX/XXXX XXXX Coinbase closed my account without warning or reasoning. Coinbase is not providing me with an option to get my money back and there is no linked bank account for me to recieve my funds. On XX/XX/XXXX I contacted their support and had ticket number # XXXX assigned to my case. OnXX/XX/XXXXI recieved an email from their support team asking for a screen shot of the issue i am having in which i replied the same day.I informed them that i have only made wire transfer deposits and never linked my bank account. It is now XX/XX/XXXXand i have still not gotten any help. I need my money back and every time i call support nobody will help me.