WillisBack/dataset-financial-user-claim huggingface dataset:
This is the third complaint now regarding Experian 's reporting of a medical debt in my credit report. Experian 's prior response to my complaint that it had agreed with most US State 's Attorneys General not to report medical debt within the first six months was met with a ridiculous response here at the CFPB. Experian stated that, rather than the 30 day investigation period mandated by law, it would now take 60 days to make a determination that could be adduced by a plain reading of the entry in the report. The entries reported by Experian are cleary within two months of the date of first delinquency ... not six. The entry should be removed on that basis alone, not invoke a new 'investigation ' period of double the amount permitted by law.

But that is not the purpose of this complaint. It gets worse. Experian next purported to have removed this entry and DID remove the entry. See attached report of XX/XX/2019. And so I stopped purusing the matter and when I again checked my credit report on XX/XX/2019 the information had re-appeared ... again in violation of federal law. 15 U.S. Code 1681i requires Experian to notify me within five days of reinsertion, which it did not do.

I expect that, once again, Experian will simply state that it will take another 60 days to 'investigate ' with the collection agency. However, NEITHER issue above requires any investigation at all with the collection agency. Quite frankly, it is apparent to me that Experian considers the Consumer Financial Protection Bureau to be a joke that it responds to complaints in this manner and watches as the CFPB deems the matter resolved and closes the case in the face of blatant and proven FCRA violations. I consider myself a consumer advocate, but perhaps Donald Trump has this one right and your agency should just be dismantled as a waste of taxpayer money.
My husband, father and I are being harassed by XXXX from Pioneer Credit Recovery. The phone number is XXXX. 

The person is trying to find someone else -- someone who does n't and never has lived with us. The continually call and leave messages on our home number and cell phones.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover the breach via social media. 

This is an undue burden from a company I have never chosen to do business with ; they are a vendor of my vendors/creditors. Please take prompt and decisive action to ensure I am compensated for their negligence. 

I discovered my information may have been compromised on XXXX XXXX, 2017 via Equifax 's website : www.equifaxsecurity2017.com.  After checking to see if my information was compromised, I received the message : " Thank you -- Based on the information provided, we believe that your personal information may have been impacted by this incident ''. I then immediately placed a 90-day Fraud Alert with Equifax, XXXX, and XXXX, and froze my credit with Equifax.
There are two separate issues. 

First, I received a letter on XX/XX/2019 after the escrow true-up in XXXX that said the escrow was short and I needed to send in extra dollars. The letter itself gives no explanation or steps on how to actually make this payment. I then called customer service and was told to make the payment in the normal way. However, the extra payment was not applied to my escrow and they complained that I had not paid it correctly. Escrow payments should be handled more carefully. Further, they've told me that they've now fixed this and applied the payment correctly but have refused to send me any documentation at all to confirm that this is true. 

Secondly, Select Portfolio Servicing missed sending me my XXXX statement. The CSR said that " the computer must have accidentally skipped your account ''. She's now ordering me a new statement which will take 1-2 weeks for me to receive ( after the payment due date ).

More generally, Select Portfolio Servicing is not transparent with customers on policies, requirements, payments, or balances.
On XXXX/XXXX/XXXX, I sent a letter to Experian disputing an unverified debt on my credit report. Along with my dispute letter was a letter from the creditor stating that the debt can not be verified. 

On XXXX/XXXX/XXXX, Experian sent me a letter saying that they will not reinvestigate the information because I did not send relevant information. The letter I sent to Experian on XXXX/XXXX/XXXX included a letter from the creditor stating that the debt can not be verified. 

Please be advised that, Experian has specific responsibilities when reporting : XXXX. Procedure in case of disputed accuracy [ XXXX U.S.C. XXXX ] ( a ) Reinvestigations of Disputed Information ( XXXX ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and XXXX ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
My " XXXX '' account. 
This account is reporting incorrectly ... .The balance is being reported incorrectly. The account was paid in full on XX/XX/2016. The reports was updated to XXXX balance XX/XX/2016. 
On the XX/XX/2016 thru XX/XX/XXXX Trans Union appears to be reporting the balance incorrect. The new balance as of XX/XX/2016 was {$1.00} XXXX statement. 
According to XXXX they claim to have reported {$1.00} as the current balance XXXX/XXXX/2016. However the balance is still reporting at {$1400.00}. Request was made to Trans Union on the XX/XX/XXXX to update to the correct/attached to a XXXX Balance. 
Please have the correct updates made to reflect the correct reporting/balance/High credit limit. 
Thank you, XXXX
After the payments I made on the vehicle and the amount collected after reselling the vehicle. I was only to be responsible for the ramaining balance as per agreement. The amount being reported is incorrect and after numerous disputes Capital one auto finance has failed to correct this issue. They have also failed to send anything in writing as per agreement.
My property is up for a property foreclosure sale XX/XX/2018. I have spoke with my mortgage company Ocwen Servicing several times. I faxed requested documents with my finances to Ocwen so they could assist me with a mortgage modification. I had a reduction in my income that caused me to become delinquent with my mortgage payments.
It is our contention that Capital One Bank has been UNJUSTLY ENRICHED and has engaged in DECEPTIVE PRACTICES to obtain the mortgage of the subject property. We have reason to believe that either, the loan terms were misrepresented to us before closing and payments made to the servicer on this note were inaccurately charged or will be charged over the life of the loan, and/or posted, causing unnecessary financial and emotional stress. We are particularly concerned that the mortgage broker represented that Capital One could provide a loan under {$3000.00} and that a HUD 1 was never provided to us before closing. Until recently, we have stayed in contact with XXXX XXXX XXXX and XXXX XXXX XXXX people within your customer service departments, loss mitigation departments, without successful resolution. Throughout the loan process we were given the runaround by Capital One starting with a former employer of Capital One, XXXX XXXX XXXX not securing and losing all of my personal documentation. My family is not trying to get out of paying anything, only obtaining the amount we feel we are owed by Capital One based on disclosures by your mortgage broker. The amount of damages we are seeking based on the negligent actions of XXXX XXXX XXXX amounts to {$72000.00} over the life or the loan. Alternatively, we want the option to renegotiate the terms of the loan with Capital One and/or outside mortgage companies who were more truthful than Capital One from the start of this process.
This company refuses to acknowledge dozens of emails to the billing disputes department or faxes to the billing disputes department. Every time I chat with them on their site, they give me the same message, that I need to fax or email, yet this leads no where. Here are the charges I have disputed at least a dozen times : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$91.00} XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} I was attending XXXX school at this time, but I XXXX in XXXX, and finished all of my coursework including my internship  prior to the date these charges were made and I can prove this. I contacted the XXXX school  when the inadvertently processed these charges and was told because the payments go through a third party processor to contact my bank and they would successfully dispute the charges for me since I could prove I was not in school at that time. This company has made a difficult situation, worse. This is a lot of money for me as a new XXXX student, and I was offered XXXX interest for a year but now they are going to start tacking on an interest fee and I can not afford this. Here is my card number XXXX. This is fraud on my account and has been reported to the Fraud Department as well, but again, they refuse to reply or help. I am a XXXX person as well and have been fully XXXX for 15 years. This is discrimination on top of just terrible customer service and treatment of a client. Please help. Sincerely, XXXX
Today, I contacted Equifax in regards to my credit report because they are reporting inaccurate information. As I tried to dispute the information they refused to comply and help with the inaccuracies, I spoken with XXXX, who was in the corporate office in XXXX, XXXX She was very unprofessional, rude and left me on hold for over XXXX minutes while she pretend to assist me with my credit only to tell me that she could be of any assisted to me,
I have contacted CapitalOne several times to have late payments that were incorrectly reported to the credit agencies for the months of XXXX, XXXX and XXXX of XXXX and XXXX of XXXX. I had payment arrangements set uo for these months and these late payments should not have gone on my CapitalOne record or reported to all three agencies.
Round point mortgage servicing company have refused to provide information concerning the terms that was signed on property XXXX XXXX XXXX XXXX Louisiana XXXX they have applied all payments made has been held back as though we are n't making payments. I HAVE ALL DOCUMENTS FROM ATTORNEY OFFICE, HUD CONTRACT.
Hello. To start off I applied with my mortgage company, Carrington Mortgage, to pay by automatic payments. Approximately 4 months after sending that application through the mail they finally start taking it out of my checking account. The problem was that I had already paid that month 's payment and they never even sent me any notification that it was going through. I made my payment on XXXX/XXXX/2015. The automatic payment went through on XXXX/XXXX/2015. No big deal though because they can refund me my money right? WRONG! I call and they tell me I have to fax my bank statement in to them so they can send me a check. Ok no big deal except every time I tried to send it ( and I tried a lot, at a lot of different times and days ) it says its busy. I called back and they said I could email the statement to them. I call them back to see if they received it and they say that they cant accept it by email. I ask if I can mail it to them. They say nope it has to be faxed. I tell them the issues I 'm having but they do n't seem to care. I ask to talk to a supervisor or manager and they put me on hold and then hang up on me. I called last night and again today and they give me a different fax number each time, none of which have worked. They tell me there is nothing they can do until they receive that statement. I just want my money back before XXXX and it does n't look like they have any intention of refunding it to me. I do n't know what else to do. Hopefully you can help me out. Thank you!
Many times missed which is actually reported on my credit report looks like inacurate and or confusing.
I am a cosigner for my sons private student loans through Wells Fargo. My wife and I refinanced our home to pay off the loans which was {$71000.00}. The loans were to be paid to Wells Fargo directly by the closing attorney with the proceeds from the refinance. This took place on the XXXX of XXXX. I checked on line and and saw that a residual amount was still on the loan of {$2900.00} I called Wells Fargo Customer service and said that because the loan was in forbearance the interest was not included in the payoff. i saw i was getting no where.
I HAVE SUBMITTED A MODIFICATION REQUEST TO MY SERVICER BSI ON XX/XX/2016 AND HAVE CONFIRMED RECEIVED ON XX/XX/2016. THE REPRESENTATIVE THAT IS ASSIGNED TO THE FILE IS XXXX XXXX WHICH HAS BEEN ASSIGNED SINCE XX/XX/2016 AND HAS NOT PLACED ONE CALL NOR HAVE REVIEWED THE FILE ONCE. THERE ARE NO NOTES PLACED ON THE FILE BY MY ASSIGNED REPRESENTATIVE EVEN THOUGH I HAVE BEEN CALLING TO MAKE SURE THE FILE IS MOVING FORWARD NO CALL BACKS NO MOVEMENT, THIS IS NOT ACCEPTABLE.
My mortgage payment is deducted on the XXXX of each month from my checking account in XXXX i changed banks ; I immediately went online to my account Ocwen site and updated my i new bank information. I went back into the account to make sure new info on bank was still listed. I then monitored my bank account was withdrawn after 2 days from the XXXX the money was still in my account so i got back online with Ocwen and saw that the old bank info had replaced my new bsnk info. I immediately changed the info to new bank and called Ocwen and made arrangements to pay the mortgage on the XXXX. Which i did. The next thing im getting a pre foreclosure notice because of the ach return notice they XXXX when they submitted from the wrong bank abd the o ly way they will accept my payments is through XXXX XXXX. And though i paid the late fee they are still charging late fees- thouhg my payments are on time. I have also asked them if i can change my payment date to be more inline with my payday and the refuse to work with me at all. Also the only way they will except my payments because of the XXXX mixup is through XXXX XXXX. My payment has also gone about 2 years ago from XXXX to XXXX. I hope you can help me with these issues
I received a voicemail from XXXX which in number search appears to be a cell phone. The message left states the following ( the beginning appears to have been cut off ) : '' ... office of MACS. This call is in regards to a possible check protest claim that is scheduled to be placed against your name and social security number. If placed, it could affect any current banking you may have. Please take this opportunity to fix the matter as once it is placed it can not be retracted. Our phone number XXXX. Once again the number XXXX. " I have reported this to the local news authority that keeps track of consumer scams. I have read information online that seems to point this out as an identity theft scam.
I have gone through a divorce and my income has been severely reduced. I reached out to PNC Bank to inquire about getting some type of relief via a forbearance and was not offered any assistance. I have not been able to make my payment for six months and PNC refuses to negotiate with me and worse yet is charging me late fees every month. I have listed my home for sale and informed them of this as well. I am hoping you can help me to get some type of relief with PNC. I would like all fees waived and credited and for them to see if any type of relief is available.
Stolen identity Under Closed accounts XXXX XXXX XXXX XXXX XXXX   open XX/XX/XXXX15 Amount XXXX Attached is copy of police report
I found this collection account on my credit report. I have no knowledge of the account and I never received a notice of right to dispute letter.
I am XXXX and receive XXXX. 
Four years ago, while living in Florida, my doctor advised me to go directly to the XXXX XXXX at XXXX XXXX Hospital. At the time I was awaiting my XXXX determination and was covered under XXXX XXXX, XXXX and the XXXX program with the XXXX XXXX XXXX. I have never had any unpaid medical bills prior to that. While checking my credit report I found that a company called XXXX XXXX had placed XXXX items on my credit report. The largest from XXXX Hospital is almost {$3300.00} from XX/XX/2013 which was sold to collections just as the 4 year limit of statutes expired. XXXX XXXX did the same for {$990.00} for what has to be the same visit to XXXX XXXX XXXX. They have made my credit suffer and these accounts had to have been paid by the State programs put in place or else XXXX but no one has that information stating the debt is too old, yet they just added it to my credit report.
As a consumer who do know my legal rights under the FCRA, FDCPA, XXXX and also CPB I am now demanding action against XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX Texas XXXX. These people claim I owe them {$250.00} for moving into there apartments but I never ever signed a legal document or lease. I tried contacting them and they would cooperate with me, totally unprofessional so I am forced to fill out complain. Will stop reporting them when they stop trying to extort me and defame me as a person by deleting this off my credit reports.
Starting on XXXX the XXXX I started requesting a payoff notice to be sent to our title company to sell our house. Every time I am told it will take 24 to 48 hours. I have tried this process over the phone at least 4 to five times over the last two weeks and at l ; east 2 times through the online chat. As well as there is a document viewer on the website I was told I would be able to view the payoff statement every time I try I'm just given an error code. When I asked why I can not view this no one can even give me an answer. This is causing me to have to pay two home payments every month because we are already out of that home into a new one and can not sell without that statement. The title company has everything else they need and we are only waiting on that one document. They are very unprofessional and apparently all of my calls are being answered in a call center in another country every time I ask where I can file a complaint I am given the run around or transferred to a busy line or disconnected on. Today XXXX the XXXX I am being told there system is having technical difficulties after they told me it would be faxed within the hour. Please Help
On XX/XX/XXXX I received a email from Experian informing Alert : Change To your credit file Detected. I contact them to ask them who inquire in my credit and they do not provided me any information they ask me to paid a credit Report. When I review my credit report from my bank loan I saw my score decrease from XXXX to XXXX, 14 points below on XX/XX/XXXX. This is very frustrated because I am working hard to fix my credit, I am planning to refinance my car and now if they do a inquiry in my credit that will affect. immediately y check into my Bank profile who also provided me information about inquiry and I noticed that the Bank XXXX National Credit Cards/Airlines inquire my credit report with out my consent. Immediately contact the Bank and they said that I need to contact the credit Report and vice versa to fixed my score. That day I made more than 10 calls trying to find who was responsible for inquiry in my score. My big surprise was the date of inquiry from XXXX National Credit Cards/Airline said that was on XX/XX/XXXX and that's not true I am monitoring my Bank account and that inquire was not there before in the credit Report. That inquiry appear the same day of my credit Report Decrease from Experian. I opened on XX/XX/XXXX a account for dental credit care Same Bank XXXX but closed the account, never used the credit. XXXX provided my information without my permission and affect my credit. That bank inquire my credit and they put a different Date. I never ask for credit/airlines. They denied any responsibility and what they advise me was to contact Experian. I also tried to contact Complaint department from the bank and they did not transferred my call, they advise me to contact XXXX XXXX. I Was very frustrated because I am in the middle of this situation and now nobody know nothing about it. Attach my credit Report the inquire information of XXXX  and the Experian Email, Thank You
Still a ridiclous situation with this collection company ; The original company which debt is from never EVER had the intention to send this to collections ; It was supposed to be removed as it the entire situation was mediated by a lawyer with the original management company of the property. I would like for this to be immediately removed as I am no longer responsible for this debt. 

Company claimed that " Mr. XXXX abandoned the unit XX/XX/2014, resulting in unpaid rent and lease termination penalties '' however the unit was never abandoned, and all of this was handled out of the management companies main office who oversaw the property. 

Thank you for doing the right thing.
CRA VIOLATION XXXX XXXX XXXX  ACCOUNT BEEN DELETED AND PUT BACK IN / NO KNOWLEDGE OF THE ACCOUNT.
I was in a car accident with my XXXX Honda Civic and it was a total loss. The car was paid off by the insurance company but my credit report still showing the car lone is unpaid. So I would I the information to be updated and to have my credit score adjusted.
B of A refuses to correctly report my loan as paid in full and closed. The loan was paid in escrow on XXXX XXXX, 2015. I have requested several times through variouschannels yet as of today they still report the account as open with a balance.
I applied for a Citigold bank account in response to an invitation from Citibank, offering me XXXX XXXX XXXX bonus miles within 90 days of completing XXXX banking activities within 60 days of account opening ( 1 bill payment for 2 months + spending {$1000.00} on the Citi debit card ). I completed the promotion terms in XX/XX/XXXX, and received confirmation from a Citi phone banking representatives that the bonus miles should post " shortly '', but maximum within 90 days, so maximum by XX/XX/XXXX. It is now XX/XX/XXXX, and I have called Citibank multiple times to enquire about the status, and I keep being told that it should come through " soon '' and that they are backed up on addressing such queries. At this point, Citibank is flat out in violation of the commitment they made to me in the offer, and have not made a reasonable effort to remedy the situation.
FIA card service charges retroactive interest. For example, if I spend {$100.00} in XX/XX/XXXX, and payment for that is due on XXXX XXXX. If I pay on XXXX XXXX, I 'm charged for 13 days of interest, rather than one day of interest. Paying three days late therefore comes to an annualized rate of ~140 %. It 's disgustingly predatory.
I have mailed countless letters to this debt buyer/collection agency and they have thus far refused to provide any evidence that this is my debt or that they own this debt. they need to be investigated for their treatment of consumers.