WillisBack/dataset-financial-user-claim huggingface dataset:
We feel that we are being treated un fair and that there are deceptive practices happening with the 1st and 2nd lien holders of our mortgage. Both the 1st and 2nd lien holders know that we have a solid sales contract to sell our property but due to the fact of being behind of on our mortgage they are threatening and forcing us to pay unnecessary attorneys fees by sending our loans to foreclosure. Despite following all of their rules and requests they are still stating that the sales contract   that is currently in escrow is of little meaning and that we will need to pay these attorney fees. Shame on you Wells Fargo  and  XXXX  for taking the little guy out even though they have worked their hardest to pay their obligation in full back to you.
I have submitted a credit card application for an additional CapitalOne credit card as an existing card holder with CapitalOne. After submitting an application, I have had to contact CapitalOne seven times to get information on why the application was not approved. They declined requesting more documentation. I submitted social security card, and Drivers License. They denied the application again for insufficient documentation and request bank statements, XXXX XXXXs, and proof of residence. After submitting this documentation they asked for me to wait two weeks for approval. I followed up two weeks later where CapitalOne made another mistake and did n't combine the documentation into the correct file. After resubmitting the documentation for a third time I was told that it would be approved after processing. After not receiving my credit card for a month I contacted CapitalOne two more times to discover that my application was declined again and archived. Now CapitalOne is stating that they need to hit my credit again in order to resubmit my application in order to get a credit card that I was told I would be approved for.
Citi Bank Thank You Credit Card Raised Interest rates as follows WITHOUT ANY NOTIFICATION XXXX/XXXX/XXXX : XXXX XXXX XXXX/XXXX/XXXX : XXXX XXXX/XXXX/XXXX : XXXX XXXX XXXX : XXXX Without notice or anything via email or mail- They raised the interest on all charges
I received multiple calls from a company calling about my credit card there name is XXXX XXXX, I have gotten no bill or notice in writing from them and I told them not to call my cell phone, they keep calling me an will not stop, now they are leaving me voicemails which I have saved saying they are calling about my desert schools federal credit union account, my voice mail does not say my name on is it in my voice it is a pre recorded message with my cell number, they are leaving personal info on my voicemail not knowing its me this is third party disclosure and also calling cell phone after I have asked them reapeadly not to.
Last year, XXXX, XXXX - XXXX, XXXX, I relocated to XXXX for a XXXX hiatus. In other words, I enrolled in workshops at XXXX and lived temporarily with a family that I used to be an XXXX for years ago while an XXXX at XXXX. My address was XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 

In XXXX of XXXX, I returned to XXXX to work for the XXXX XXXX XXXX XXXX XXXX. So, as I was shopping for a new car, my banker who ran a credit check for a car loan alerted me that, I was unintentionally remiss in payment for a bill from Walmart under {$50.00} at the time I relocated. And, consequently, I did not receive any bills or correspondence from my Walmart Account ( # .... ) ; I was unintentionally remiss in payment for a bill from Walmart under {$50.00} at the time I relocated. 

So, when I called Synchrony Bank which was the collector for the Walmart debt, I explained myself and offered the new balance of {$170.00} which included late fees from Walmart. 

Synchrony checked my story, and I was told that I did not have to pay the {$170.00} and that my Walmart Credit card would be reinstated. They told me that the delinquency mark would be removed from my Credit Report within ten days. 

However, on XXXX XXXX, XXXX I received a letter from Synchrony Bank, XXXX XXXX XXXX, XXXX, FL XXXX, that my account " was sold to XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

Since, then I had received multiple calls form XXXX and spoke with several agents there, telling and re-telling my experience with Synchrony countless times, but to no avail. I have a cellphone billing record of these calls to and from both Synchrony and XXXX during the ensuing months. 

Finally, after much misleading information and confusion, I submitted the payment of {$160.00} to XXXX XXXX XXXX , XXXX, ( new Acct # ... ) on XXXX XXXX, XXXX. 

I have written to all XXXX credit reporting agencies ( XXXX is the credit reporting agency that referred me to the XXXX which is where I located CFPB ). 

Nonetheless, as of to date ( XXXX XXXX, XXXX ) there is still a bad mark on my credit score for the past due ( " 8 months '' ) history with the originally, Walmart account. 

Respectfully submitted.
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
SEVEN/TEN YEAR RULE UNDER FCRA GUIDELINES - REMOVAL OF TRADE LINESThree new decisions - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ; and XXXX ( XXXX ) XXXX XXXX XXXX ( ordered depublished XXXX XXXX, XXXX ) - have changed, clarified, or confused ( depending on your point of view ) the legal landscape in California as to the legal obligations of so-called " furnishers '' who furnish credit-related information concerning consumers to credit reporting agencies. These cases address the obligations of furnishers under federal and state law to supply accurate information, as well as a furnisher 's obligation to " reinvestigate '' a consumer 's dispute. These cases also indicate that, for the time being at least, a heretofore unrecognized private right of action exists under Civil Code 1785.25 ( g ) and 1785.31 for failure to accurately report credit information in violation of 1785.25 ( a ). An understanding of the relevant history is important before one can properly evaluate the current state of the law and the XXXX decisions. 
The Original FCRA Legislation Applies To Credit Reporting Agencies OnlyThe Fair Credit Reporting Act ( FCRA ), found at 15 U.S.C. 1681, et seq., was originally enacted in XXXX. The express purpose of the FCRA was to require that consumer reporting agencies adopt and implement " reasonable procedures '' for ensuring that credit information about a consumer was collected, maintained, and dispensed " in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information ... '' FCRA, 15 U.S.C. 1681 ( b ) ; XXXX ( XXXX ) XXXX XXXX XXXX, XXXX S.Ct. XXXX, XXXX. The Congressional findings noted that " [ t ] here is a need to insure that consumer reporting agencies exercise their grave responsibilities with of fairness, impartiality, and respect for the consumer 's right to privacy. '' FCRA, 15 U.S.C. 1681 ( a ) ( 4 ). However, the credit bureaus do not follow through with any methodology a system that automatically removes an antiquated credit trade line, which leave creditors in control to remove a negative trade line at a later date by simply re-aging the trade line payment history. 
Notice that a positive trade line can be maintained for a XXXX year timeline from the credit procurement after the account has been closed out. The ten year timeline carries from the date the credit trade line was first reported to a credit reporting agency, or from the date of procurement of the debt. 
I demand the above referenced credit trade line removal based upon the passing of the seven/ten year timeline. And I maintain that there is no further relevancy to the debt being posted under FCRA guidelines. The above-referenced state cases show that the accuracy of credit reporting carries into state court cases as well, whereas a creditor can be brought up on serious civil charges outside of federally protected jurisdictions under FCRA.
I have tried to rectify this situation but all they say is that it is my debt and I have to pay it. The problem is, I have no clue what this is or why its on my credit. I have not received anything from this company ... This needs to be removed from my credit report, I am not responsible for this debt.
This process started with a letter ( XXXX XXXX, 2015 ) from Citi suggesting that we could save money by refinancing our existing Citi loan that we have had for greater than ten years. We owe approximately {$37000.00} on the property which was recently appraised by Citi to be worth approximately {$73000.00}. We proceeded with providing information to show our credit worthiness. We answered all questions and followed the completeness of the loan application components on the secure Citi site which we were able to access. We paid for an appraisal ( {$560.00} ) which was completed on XXXX XXXX, 2015. We submitted income tax information, bank statements, credit scores, verification of current income, and over a XXXX-page volume of our Family Estate Plan and Family Trust. We received communications from Citi ( XXXX/XXXX/2015 ) telling us that our loan has been conditionally approved pending receipt of certain documents which we provided. We received confirmation that our Flood Insurance Policy was completed on XXXX XXXX, 2015. In a letter dated XXXX XXXX, 2015, we were informed that our loan request was not approved. When we called the loan officer to ask for an explanation, we were informed that our property was not on their " approved list '' and that it has unverified sufficient flood insurance coverage. Citi owns the loan that currently finances this property, however, and that loan itself has not been challenged. We believe that Citi has a " scam '' going that invites current clients to refinance with no intention of approving a lowered interest rate for their loans. The sole purpose of this process appears to be collecting an appraisal fee. This " scam '' could be XXXX and may involve more than XXXX lending institution.
I have disputed multiple inaccuracies with experian that they have claimed are verified. Experian has failed to reply to my requests to obtain their method of verification on multiple occasions and instead started reinvestigations. When requesting how the inaccurate acounts were verified I was told experian will not divulge the names of their vendors as this is proprietary information. After multiple disputes to resolve the issues experian sent notice they will no longer dispute my accounts without any new documentations. Experian " verified '' accounts in a dispute filed on XX/XX/XXXX and again with new documents submitted on XX/XX/XXXX. Included in these disputes was a collection account that I had no recollection of and was not able to be verified and has since been deleted along with an account labeled, XXXX XXXX that was previously deleted and then resubmitted without any notification. I filed a complaint with the XXXX  onXX/XX/XXXX and a 2nd notice was sent by the XXXX on XX/XX/XXXX and Experian responded that the data furnishers were contacted and verified the accounts. Experian relayed that I must contact the original credit furnisher to further dispute anything. I have contacted the city court associated with the public record as well as the creditors who agree it can not be verified and should be deleted. I called the telephone number ( XXXX ) XXXX   attached to the chapterXXXX  I'm disputing to verify or dispute as suggested numerous times with no answer. It appears to be a cell phone. Experian says in the XXXX  response the court may not report the data but a vendor collector gets records on their behalf. They will not provide the names of their data collectors. On experian 's website for public records they claim their source is the administrative office of the courts and more than 1,200 state and county sources. I'm at a loss of my next action as experian now refuses to reinvestigate. Without this information which is required under FCRA 611 ( a ) ( 6 ) ( iii ) and FCRA BILL ( a ) ( 7 ) which requires they respond with a valid method in 15 days from request.
I am making a dispute against  XXXX   XXXX  in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices AC T, 15 USC 1692G SEC.809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION mad e pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit repo rts (  XXXX ,  XXXX , and  XXXX  ). This  action constitute fraud under bo th Federal and State Laws.
I first had my loan serviced through XXXX XXXX, and when I found out about XXXX, I was employed through the XXXX Department XXXX XXXX XXXX. I was hired on XX/XX/2016, and made about a year of qualifying payments since the hire date. I then applied for XXXX, and was advised my loan servicer will be changed to XXXX, but was advised that the qualifying payments I had made being employed by XXXX to the XXXX XXXX-serviced loans would qualify towards my total. 

However, the story has changed. Now I'm being told the year+ I had made qualifying XXXX payments would not count towards the total, and for some reason my qualifying payment total keeps being reset to XXXX. I have made about XXXX payments thus far while being under XXXX, yet my number of payments is still XXXX. It seems like I have not made any progress towards XXXX at all, even after making payments while being employed under XXXX for more than XXXX years now.
I had a medical bill appear on my credit file a couple months ago FROM XXXX XXXX XXXX I contacted the CREDITOR and the account was settled I provided paperwork to the credit bureau and the collection was removed. The collection has now appeared back on my report THROUGH XXXX XXXX XXXX I submitted my paperwork for the company and the credit bureau refuses to remove incorrect information. The balance shows {$0.00} however the account is reporting as unpaid.
Navient is my private loan provider. I returned to school in XX/XX/XXXX to pursue a XXXX degree while quitting my job. While I was able to defer payments on my private loan while in school, I quickly lost any kind of protection once I completed my degree XX/XX/XXXX. I have been going through a protracted interviewing process with a handful of opportunities in the public and private sector and have otherwise been struggling while working as a consultant. My earnings for XXXX were low enough to allow me to qualify for Medicaid, but this does not factor into my dealings with Navient. Despite having extremely limited capacity to make payments on my loans, I am being repeatedly told that I have regular payments. It is distressing to know that I have protections afforded to me with my public loans, but that I have no such protections when dealing with Navient. Compounding this issue is the lack of knowledge I had when taking out this private loan when I was XXXX ; had I known of the lack of protections and repayment flexibility, I would not have pursued this loan option. 

I am asking for help because the risk of being taken to court and defaulting on a loan would cause significant hardship for me. I have every intention of restarting payments upon achieving employment, but Navient is not interested in extending any significant protections to me as an account holder. I find it perplexing that there are little protections in place for people who earn below the federal poverty level.
XXXX XXXX XXXX XXXX has yet to refund me for the debt that I have paid me. XXXX XXXX from XXXX XXXX talks crazy and does not return any answers to the debt. I had an attorney by XXXX XXXX XXXX in which could not get documents for months and had the run around game by XXXX XXXX. I have text messages from my attorney stating the issues with XXXX XXXX XXXX XXXX. 
Now XXXX XXXX XXXX XXXX has hired or By XXXX XXXX XXXX to Qualey Law Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX In which nothing has been done and 2 US Registered Letters have gone out to XXXX XXXX XXXX in regards to the court documents XXXX copy that the money is paid. As to that XXXX XXXX did not give the correct credit as stated by XXXX XXXX XXXX XXXX shows as a credit. 
There has been since XX/XX/XXXX this bill has been paid it is now XX/XX/XXXX and I still show active on this Garnsihment and money is owed to me.
I have had a loan with Lending Club for almost 2 years. A year ago, our income dropped substantially and paying Lending Club on time each month became difficult. I called  them ( a s I called all our bill compa nies ) and  attempted to see if we could do a modification. My husband and I were trying to avoid bankruptcy, and they were not willing to help at all. We were told we would have to qualify for the new loan, which obviously we would not with our income drop. We were told to keep making our payment as is. I explained then, that we would try to make it each month, but it would most likely be late.   When we moved, it was from the  XXXX  coast to  XXXX . I updated my phone number and address with them. My family and I have been living with our family here and are " homeless '' so we have a  XXXX   XXXX   , an d every time I call I have to explain that to them when they ask me for my personal address. We do n't hav e one .. .   My actual complaint ( aside from them just being a horrible and heartless company ) is their collections practices. They are in EXTREME violation of the Fair Debt Collection Practices Act ( FDCPA ). Their attempt to call me when my loan is past due starts at  XXXX . They will continue to call all day, every hour on the hou r 3-5 times e ach day. That is harassment, plain and simple.   This morning (  XXXX / XXXX / 17  ) when I called to make my payment ( as I do EVERY month ) I notified the gentleman on the phone of the harassment and that I would appreciate him to note that it is against the law to call me before  XXXX . He stumbled over his words and said he would just flag my account cease and desist, as if that would prevent any calls from coming to me. This would be fine if it actually worked. Not eve n 10 minut es after this conversation I received ANOTHER collection call.   I would also like to note, in the past I have blocked the Lending Club number. However, the company must change it every few months as the early morning and frequent calls continue.   We are struggling to make ends meet, and understand the need to collect. However ; harassment is NOT OKAY. I have repeatedly updated my contact info, notified them of where I 'm living, and they continue to call me before  XXXX  ( as early as  XXXX  ) and the calls come in every ho ur 3-5 ti mes a day. They change their number, so blocking them has done  nothing. Complaining to them has done nothing, as they continued to call, and even flagging my account Cease and Desist did nothing as I received a call within 10 minutes of getting off the phone with them. I t 's unacceptable and I know I can not be the only person who is being harassed by Lending Club.
Without provocation, I received notice that my credit line was being decreased by nearly 100 %. My available credit was reduced from $ XXXX to XXXX ( the rough amount of my available balance ). 

When I called to question the change, I was provided a nob-descript response referencing my XXXX report. It was my understanding that under the FCRA I was entitled to a copy of this report, but was refused by Citi and have been given no further explanation. 

This is predatory in that it affects my utilization of credit, further subjecting me to increase in APrs, etc and a higher cost of credit without any reason.
Sears/CBNA ( Citibank ) refuses to provide a payoff balance to my mortgage company so I can pay off the credit card with a refinance. They claim it's against federal law to do so.
Please remove the following fraudulent inquiries from my TransUnion credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
m account was hacked and the bank froze {$500.00} dollars of my money on XXXX XXXX 2016 they still have not put it back in to my account when I talk to the FRAD DEPARTMENT THEY TILL ME IT GOING TO TAKE LONG IT BEEN OVER THIRTY DAYS.
On  XXXX   XXXX ,  2017 , I applied for a  Schwab  checking account, a High Yield Investor Checking account ( see Attachment B, page  2 ). Schwab  ran a  XXXX  inquiry on that same date ( see Attachment A.pdf, page  XXXX  ).     On  XXXX   XXXX ,  2017 , I received a letter from the company, stating my application for the account had been declined, due in part to information on   XXXX    (  see Attachment B, page  7  ).     I applied again for the account sometime before  XXXX   XXXX ,  2017 . The company again declined my application stating the same reason as in the  XXXX   XXXX ,  2017  letter ( see Attachment C, page  1  ).     I do not see what it is the company sees on     XXXX   that would bar me from opening a checking account with them.