WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX, XXXX Equifax removed a charged off account from XXXX XXXX from my credit file. On XXXX XXXX, XXXX Equifax reinserted the information on my credit file without providing me a written notice within 5 business days. This is a clear violation of the fair credit reporting act which states : ( B ) REQUIREMENTS RELATING TO REINSERTION OF PREVIOUSLY DELETED MATERIAL. -- ( i ) CERTIFICATION OF ACCURACY OF INFORMATION. -- If  any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) NOTICE TO CONSUMER. -- If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
I bought my home in XX/XX/XXXX and refinance and Chase now J P Mortgage Chase assume the mortgage in year XX/XX/XXXX. I never missed a payment. I paid all the PMI insurance. My finances changed dramatically in XX/XX/XXXX. I applied for the XXXX XXXX  XXXX and was awarded the 18 months of help. After that assistance went by I still did not make the money I use too. I went to Chase in XXXX of XX/XX/XXXX to see what assistance program I can apply. In the process I still made my payments on time. I have exhausted all funds and in much credit card debt and other debts. I started the process I faxed, email all the document timely and call to confirm the documents were received. The window was 90 days. I communicate and wrote down wrote everything I did. At close of the decision they switch the person handling my file. Allowing my income verification to expired. I asked what happen? At first they appeared to be helpful. Then the games were being played. Got a new person, they are telling I need to resend everything over again, I had to change the address of my light bill because I use a XXXX XXXX . The billing cycle for the light bill already had past and my window was closing with Chase. I spoke with a supervisor about why I have to fax over information that did not change, like a divorce decree it should be in the system. I complaint about how the representative lied to me and to pull the recordings. This was a six month process XX/XX/XXXX thru XX/XX/XXXX. The final decision was pay {$10.00} in XX/XX/XXXX and come up with 3 months of full payment in XX/XX/XXXX. They XXXX XXXX a package which I did not sign. They had it on my credit report that I were in a forbearance program. I submit a complaint to the credit bureau remove it off my credit report because I did not accept the offer. I recently received a XXXX check from Chase stating they could of took more time in helping me. This was a willfully and deliberate intent not to help and let the first window to close and abruptly change my rep. My complaint -Why have these so call assistance programs and you really do not want to assist? These people are rude by over talking you over the phone, liars and not helpful. They pay people not to help. Again, I never missed a mortgage payment. I have a voice and want to be heard. I 'm not inept nor nave, I know what they did even though they so call went by their so call rules. Telling me if you can not afford the house just " short sell ''. I bought my house in the President Clinton reign..my interest fixed rate still is at 7 percent.  They could of lower my interest rate without refinance and without adding more money on my mortgage!!. There are folks with 3 and 4 percent interest rate with bad credit. They have almost 20 years of payment AND THEY COULD NOT HELP?. They are not breaking the law being unhelpful and rude. But these companies like Chase hide behind these so call rules so they can slide under the radar giving the appearance of practicing ethically. But they are not!! Adding to the insult-sending me a XXXX check for not helping. 

XXXX
For the month of XX/XX/XXXX I was behind on my mortgage to Primelending and wanted to submit my payment before the 30 day mark to avoid having it reported to the credit bureaus. On XX/XX/XXXX, I submitted my payment in the amount of {$2500.00} ( late fees included ) to Primelending, via their online bill pay option as to avoid the service charge for dealing with a representative. I received a confirmation email authorizing Primelending to initiate the transaction soon after.
Today XX/XX/XXXX upon reviewing my bank account, I noticed the funds for that payment were never  taken out. I immediately contacted Primelending customer service to first find out what may have happened, and to attempt to resolve the issue with them in the hopes of preventing a negative impact to my credit. I was told the payment was never processed because of a keying input error on my part when entering my account info. I explained to the representative that I had received a confirmation email for that transaction, and that I had not been contacted about any problems regarding my payment. Therefore, I had no knowledge of any issues and assumed the account was now current. She then explains there is nothing she can do for me and alleges several phone calls were made to my cell phone to inform me, which I have no record of and no voicemail messages, or email for that matter. She also claims there was a letter mailed to my home dated XX/XX/XXXX. I still have yet to receive that letter.
I have disputed two accounts ( XXXX XXXX and XXXX XXXX ) a few times and Experian has always came back with " verified '' and never sent documents proving their findings. Also, both accounts have been paid off and according to Experian.com, both accounts are still showing " Failed to Pay ''.
Filing complaint against Merchants and Med Cr ( M & M Credit ) On  XXXX   XXXX ,  2017 I sent  a letter  to M & M Credit to request debt validation for item li sted on Credit Report as I have never done business with them nor have I ever heard of their company. In the letter, I requested several pieces of information to validate the debt ( see let ter )  The letter was sent via certified mail and arrived on  XXXX   XXXX ,    2017  at  XXXX  ( see documentation ).     I received a letter dated for  XXXX    XXXX ,2017  with a " bill '' that they claim that I owe. This " bill '' they sent looked like it was created online. I basically did not receive the information requested to validate debt.     On  XXXX   XXXX ,  2017 I  sent them another letter basically listing the above. I requested immediate removal if they were not able to provide requested documentation and asked them to respond within 15 days as the 30 day window originally provided has passed. ( Please see letter ). This letter was also sent via certified mail and arrived on  XXXX   XXXX ,  2017 a t  XXXX  ( see documentation ).     I still have not received a response back from  M & M  Credit. I pulled my credit report yesterday  X/XX/17    and they are still listing this debt that I have no idea of. Not only do I not recognize this company, but their reporting to the credit bureaus is completely inaccurate. Please see attached sheets from my credit report.
The above selected categories are not exactly what has happened, they are the closest to identifying it. 
I am repaying a medical bill thru automated deduction from my bank account. Medical Data Systems is the bill collector. I began the repayment in XXXX. Yesterday, I noticed my credit score dropped XXXX points XXXX, due to another medical bill for XXXX, it showed the reporting entity as Medical Data Systems. I called MDS and " XXXX '' told me that yes, they reported it, and it was for the bill I am currently repaying!!! That company policy is double reporting every month. This additional posting will remain on my credit report for 7 more years. This bill is the last one from XXXX when I had XXXX, I have been paying off bills for 4 years. When I expressed my outrage and that I would be filing a complaint, he offered me a " settlement ''. A onetime payment of XXXX today and they would wipe out the balance. However, they would not remove the double posting and would not restore my score. Well, I do n't have XXXX today and when I told him that, he asked me if I could ask a family member or a friend for the money ... ..Since the initiation of the repayment agreement, I have not missed or been late. I find this behavior incomprehensible. Too many entities have access too and the ability to effect your credit negatively. It takes a literal act of congress to reel these entities in.
I just received notice in the mail in regards to an alleged debt owed to Convergent Outsourcing for {$1200.00} from XXXX. I submitted several of dispute letters to Convergent somewhere in mid XX/XX/XXXX for validation. Due to non validation of this debt, it was released from my credit file. Now I received another notice today in regards to the same account that was dispute by me last year.
I have been receiving messages from XXXX ( XXXX? ) Associates out of XXXX. They have been threatening to " process serve me '' on a matter which he will not disclose. Will not tell me where the debt is from ( I Do not have any past due debts ). has been call me my place of employment, as uses addresses which only my place of employment know I would be ( I work with XXXX XXXX ). When asked to submit to me in writing what the bill is and who is asking to collect, he just yesll and states it is too late for that. 

Their number is XXXX. The guy who called me states his name was XXXX XXXX
Around XX/XX/XXXX I tried to get my free credit report online from Equifax via the Annual Credit Report website. I answered all questions and then was presented with a webpage telling me I could not access my report online. I thought perhaps that I had requested it less than a year from the previous request. I subsequently requested and received my report by mail. The same problem was repeated this year around XX/XX/XXXX. After following the directions, I was again presented with the webpage saying I could not access the report online. I tried again several times since then including today ( XX/XX/XXXX ) with the same results. Sometimes I would be asked security questions and sometimes there would be no questions before telling me I could not access the report online. I made several phone calls to Equifax customer service including a supervisor. I explained the situation telling them I wanted online access. I asked them for help to do that. Each time I was told that Equifax was unable to help me since the website is on a " government computer ''. The Supervisor told me there may be a problem with my file and that I should call the dispute department. I called the dispute department today and was also told that the website was on a " government computer '' which meant they could not help. No one ever made any attempt to help me figure out the solution to my problem. Everyone was adamant that Equifax could not help me. The dispute department suggested that I do a web search to find out what agency in the government could fix my problem. I was able to find the CFPB so I could file this complaint against Equifax. I would like to receive my credit report online but have no idea what I am doing wrong or if there is some other issue keeping me from having access. I should note that I made every attempt to ensure my answers to the security questions were correct. I never was told that any answer was incorrect.
On  XXXX   XXXX ,    2017, I s ent a certified letter  to PNC Bank re questing proof of the debt as it appeared on my credit reports, with requested documents of verification in accordance with FDCPA and FCRA while informing  XXXX  that the debt has been disputed. Note : This certified letter was signed for by PNC Bank on  XXXX   XXXX  , 2017.    On  XXXX   XXXX ,  2017, I pull ed my credit report to see if the debt had been disputed since no acknowledgement or return letters had been received within 30 days from the initial letter being signed for and received.   On  XXXX   XXXX ,  2017, I sent  another certified letter to them informing them that they have not only violated federal and state laws, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.   I then pulled my credit report again on  XXXX   XXXX ,  2017 after th ey signed for the certified letter on  XXXX   XXXX ,    2017 an d the information has yet to be updated to claim I have disputed this debt.
Please have experian update my credit report on Docket number XXXX from satisfied to vacated enclosed is a signed agreement to vacate from plaintiff attorney
I have a loan with CARRINGTON MORTGAGE SE XXXX. I have always made all of my payments on time. One day I decided to check my credit on XXXX when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my XXXX, XXXX and XXXX  credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX  and CARRINGTON MORTGAGE SE with no successful resolution. XXXX, XXXX, and XXXX are all reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days 60 days and 90 days late multiple times.
Need a release form for a cosigner, was informed that a late payment ( due to miscommunication ) nullified my eligibility, but with regular payments for six months I would requalify. Did this with auto withdrawal, tried again only to get sent to a page with the form that could not be downloaded. Got no response when I followed up. Tried a few more times before I gave up.
Hi, Couple of Months ago I subscribed to an offer I received from Citibank XXXX XXXX ) : If I opened a CitiGold account and met all requirements, I would receive XXXX XXXX XXXX Bonus points. 
I called Citi and they confirmed I was eligible to this offer as I had a Citi XXXX Platinum Credit card ; this was also confirmed by XXXX of their Agent during an Online chat. 
Requirements were : Open a new Regular Checking account in the Citigold Account Package by XXXX/XXXX/15. 
Within 60 days after account opening : complete Qualifying Debit Card Purchases of {$1000.00} using the Citibank Debit Card which must be posted to the new checking account. 
And XXXX qualifying bill payment must be posted to the new checking account each month for two consecutive calendar. 
When I met all criteria, I contacted Citi via Online Chat, and was told that all conditions were met on my side, and points would be posted in couple of weeks. 
As I did not see any evolution after two months, I contacted them once again last Month, and they told me that finally I was not eligible. 
I am a bit suprised since I had several acknowledgment from Citi that I was eligilble for the offer and I would not have opened this account otherwise.
On or about XX/XX/XXXX my external transfer access was denied.
XX/XX/XXXX called the customer service number and was told that because the external account did not have my name ( only my husbands name ) that I could not process the external transfer ( this transfer had been in place and had been transferred for the previous 10 months ). The customer service agent advised me to use the POP feature to transfer the money. This issue has been resolved.
The issue I need resolved is the following : When I logged into the POP feature the " accounts to be transferred from '' listed all my current accounts, but also listed nine ( 9 ) additional accounts that were at least eight ( 8 ) years old and all had been closed. The most alarming issue is that these accounts all had balances totaling over {$20000.00}.
I went to the local branch and was told that " there must have been a glitch in the system ''.
I did not accept this as an adequate answer. They then escalated the issue within their customer service. I received a call explaining the external funds issue, but they would not address the balances in the 8 year old closed accounts.
I called several more times to no avail.
In the interim they deleted the old accounts in my POP feature, but one old account still remains ( with a XXXX balance ).
American Coradius International has been calling family members and harassing them about a " XXXX '' credit debit they say I owe. I do n't have a XXXX account, I 've never had a XXXX account and I 've never had XXXX credit. I am a victim of identity theft. In the past two years several accounts were opened in my name after my identity documents were stolen from my apartment. I have attached a copy of the police report to this complaint as well as copies from other creditors that did their own independent investigations and found I was a victim of identity theft and the FTC Affidavit of identity theft. I will attach XXXX to this complaint to inform them of the complaint. 

American Coradius International is not to contact me by phone again or make any attempts to reach me by phone again.
XXXX XXXX Debited {$100.00} Out Of My Checking Account Without My Permission. For A Membership. A Dispute Was Filed On XXXX/XXXX/2015 And The Amount Was Credit Back To My Account. P N C Bank Is At Fault When They Put A Re : Debit Back On My Account In Which A Negative Charge Appeared On My Account. Which P N C Bank Reversed A Transaction Back To My Account. Which Was Disputed. P N C Bank And XXXX XXXX Are At Fault. And I Want The Account Closed
Shellpoint Mortgage sold my mortgage on XX/XX/2017 to XXXX but DID NOT notify me. I found out my mortgage had been sold when I received a statement from XXXX on XX/XX/2017 stating that I was my XX/XX/XXXX mortgage payment was late. Shellpoint accepted my XX/XX/XXXX mortgage payment on XX/XX/2017 and as of today, XX/XX/2017 HAS NOT forwarded that payment to XXXX.
Diversified Consultants is attempting to collect a what looks like duplicate debt I do not owe similar to the XXXX complaint I filed.XXXX
I applied for a loan with Ranlife mortgage just over a month ago. After my discharged bankruptcy in 2013, I first wanted to make certain I would be eligible, as I had a previous mortgage loan I was no longer responsible for. That mortgage has a primary mortgagor who is still paying and plans to keep the property. After much discussion and their underwriting dept. verifying my approval, we moved forward and began my search for a new home. After a few weeks my realtor found me the perfect home. I paid for the inspection, appraisal and paid my earnest money after the seller agreed to my offer. Many weeks past as we awaited the appraisal to come back and for the loan to be underwritten. The appraisal came back at XXXX less than the asking price, so the seller agreed to lower the price contingent on us closing on time. This expectation was communicated with Ranlife who gave us the go ahead. On XXXX XXXX, just XXXX business says before the scheduled closing, ranlife called and told me they needed further documentation to prove I am not financially liable for my previous mortgage loan and they wanted proof to show new ownership. I explained I can not force the primary mortgagor to refinance and put in his name but that should not matter as I am not on title, nor my credit and I have provided all the bankruptcy papers to illustrate this point. I called my previous mortgage company and asked for a letter but they require 10 days to process and mail that letter. The seller does not want to wait and already made it clear that a closing date was required for the lower selling price. I am now looking to lose the earnest money, the money for the inspection and appraisal and the time and effort I have put forth, not to mention my emotional well being. This is something that should have been requested weeks and weeks ago, not 2 days before the scheduled closing date. The lack of due diligence on Ranlifes part has now cost me the home of my dreams and thousands of dollars and time.
On XXXX XXXX I was charged three times for the same pair of shoes at XXXX XXXX. The card machine kept saying transaction not completed which is why I ended up swiping my card three times. One credit and two debit. I disputed the transactions as soon as I found out the purchases actually went through. I contacted netspend with XXXX XXXX  payment center on a conference call. The merchant notified netspend that none of the three transactions went through and that they were all declined. They even sent documentation to netspend that those transactions were declined. I was refunded {$110.00} for the credit swipe first since the transaction hadnt posted and a couple months later another {$110.00} for one of the debited transactions. However there is still one debited  transaction of {$110.00} that hasnt been refunded theyre saying they found no error in that transaction and I wont be refunded despite the talk, documentation, and letter they received from XXXX XXXX. Its been about four months now and I still dont have my money.
I am one of the millions affected by the Equifax security breach. Having a credit score is all but required to be a functioning adult in the United States, and I can not just change my SS #, DOB, home address, etc. in the same way I can a password or credit card number. I am infuriated that a company like Equifax would be so careless with my personal information. I have a practically flawless credit score, make my payments on-time, shred documents, etc ... and yet I will be the one held  responsible if my identity is stolen due to the laziness and lackluster security protocols of this company. This is the third time this has happened and they have done nothing to protect consumers. They must be held responsible.
Wells Fargo closed our accounts with no notice, for business reasons, no other explanation was given, per " the terms on our account agreement '', they then locked the accounts and would n't let us withdraw any money for a week. In 26 years we never bounced a check. We still have not received a written notice. Their actions put us at financial risk as it was toward the end of the month, and we had bills to pay. I would like for them to produce my original agreement they said allows them to do that. This was a very abusuve action by Wells Fargo.
This is response to my original report XXXX about PORTFOLIO RECOVERY ASSOCIATES INC. in response to there XX/XX/2018. 

A copy of this letter was also sent via mail.
some open a account in my name citi card I do n't know how who did it a address has been add to my credit report spoke to citi Bank nutting has change it has affect my credit
My mortgage with Nationstar ( Mr. Cooper ) was transferred to XXXX XXXX XXXX on or around XX/XX/2015. After a few months making my payments to XXXX XXXX, they added {$15.00} for a fee. I called them to inquire about this fee and they told me they didn't know what it was for but they were legally entitled to do it as per my mortgage document. I wrote a letter to them asking for the specific reason for the fee and they answered stating that it was for a Property Inspection ordered by the previous lender ( Nationstar ). I believe consumers are not to be charged for expenses incurred by mortgage companies to transfer mortgages between them because we don't have a saying in the process and we didn't ask for it. 
My concern is that this is a hidden fee being charged to other consumers and nobody complains because is a small amount and they don't want to the trouble of claiming it.