WillisBack/dataset-financial-user-claim huggingface dataset:
TO : CFPBFrom : XXXX XXXX : XXXX Reporting and EquifaxThank you not only for your help on previous matters but, the sincere heartfelt participation and effort of your group has made on my family 's behalf. 
Unfortunately, This is likely my last correspondence concerning this matter, frankly I just give up. 
For those of us who played by the rules and watched our lives be destroyed by unscrupulous servicers XXXX, we appreciate you. It would be great to get my credit rating back where it was and receive lower interest rates, cheaper insurance and credit cards, maybe a decent student loan. The XXXX settlement simply was n't and will never be enough. My bankruptcy was filed XXXX XXXX transferred in to XXXX, never reflecting the correct reporting as required on FCRA, it 's been a circus since then. 
I attached XXXX things, the Equifax reporting I just received in the mail and the actual transfer letter from XXXX XXXX. It 's not a XXXX XXXX issue, it 's an Equifax issue. No need to go back XXXX. 
I only have a XXXX education but, I can certainly read the Account History Status Code Descriptions. 
A-Labeled XXXX thru XXXX to reflect XXXX to a 149 days past due. Please read their " Account History with Status Codes '', does it not have the numbers XXXX thru XXXX being reported? 
B- Above it, it states " STATUS '' 60-89 days past due. 
C-Above that it states ( XXXX columns of from the left ) " DATE OF LAST PAYMENT '' XXXX, that is Equifax just not being serious, they transferred it without receiving a last payment. XXXX See transfer disclosure- ignore writings, that was XXXX BK Dept info ). If Equifax is counting the Check XXXX wrote to buy the loan as last payment, then every time a loan is transferred the cycle would start over. I believe FCRA intended for the last payment made be from the consumer. 
The date of last payment is important, under FCRA it 's 7 years to delete this line item. If they just make this up, my family is harmedI can only supply the proof, the rest is up to them. The entire reporting of the XXXX XXXX is to be deleted per FCRAXXXX
XXXX XXXX XXXX- XX-XX-2016 Experian XXXX XXXX XXXX -XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016 The inquiries that I have written above are unauthorized. I did not allow anyone to use my personal information to obtain goods. Experian and XXXX have not removed the fraud inquiries from my credit report even though i have disputed them multiple times.
I have received numerous letters from National Credit Systems Inc. alleging that I owe a debt to XXXX XXXX XXXX. I have never lived in such an apartment and have lived in my current home for over 15 years. This debt is not mine and presumably belongs to someone else of the same name. They state that they have already reported the " debt '' to " all XXXX credit bureaus, which is likely affecting [ my ] ability to obtain credit, rent, or secure favorable interest rates. ''
SLS Continues to send Me Statements attempting to collect a debt that has been satisfied and extinguished Code of Civil Procedure XXXX ( 2000 XXXX XXXX XXXX. XXXX XXXX. ) No Assignment provided Was this Alleged Debt Purchased? 
If yes From who?
After seeking the assistance of CFPB last year, I was finally able to secure a loan modification of mortgage loan with OCWEN. After going through the required trial period, my loan modification became finale starting on XXXX XXXX, 2015. In addition, I signed for ACH automatic payments to ensure my timely payments. However, the first direct payment was delayed because of supposed internal computer glitches. It appeared the glitches were resolved and OCWEN proceeded to debit my personal bank account for the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments. Therein lies the problem, despite having automatically taken my payments from my account, on XXXX XXXX, XXXX OCWEN sent me a letter stating I was now 31 days past due. In addition, I received XXXX letters dated XXXX XXXX, 2015, with the first letter purporting to confirm my request to cancel the ACH payments and the second letter notifying me that my loan was being transferred to XXXX.
Went to check my balance on my account and noticed that there were XXXX transactions for a XXXX loan for {$94.00}. Check with the XXXX account hold to see if he made the payment and he said no. Call customer service to see if they can figure out what 's going on. Spoke with a customer service rep named XXXX .that told me I had to file a complaint with collection fraud. She transferred me over to XXXX that he could see it. But started to tell me about the other transactions on my account like my transfers. from my savings to.checking in which the days do n't add up from when I transferred money over. Then he told me there was no XXXX payment for {$94.00}. I told him yes there is or I wo n't be calling your company. And another thing he asked me for a verbal passwordthat I do n't remember doing. Please help this is the second time I am trying to like this bank but the more I stay the more problems I am having.
I have been with Bank of America for nearly 10 years now. It was my first and has been my primary bank account. Recent decisions have protected my investment in the stock but have lowered my confidence as a customer and today 's events was my breaking point with this organization. I waited nearly 40 minutes today to deposit money in my bank account. In summary, I was offered the opportunity for a 0 % interest rate for the next 16 months and the documentation I received indicated I could use it for a balance transfer or to deposit it into my checking account. There were several issues with this ( including it being XXXX over ) that were trivial and not conducive treatment of a " Preferred Rewards '' client. Ultimately, I was told that they would not extend the promo to me and I would have to pay a nearly {$800.00} fee for transaction AFTER the transaction was completed.
In XX/XX/XXXX -XX/XX/XXXX time frame I had contacted Capital One in order to be proactive advising them that my husband had been admitted to XXXX for a XXXX XXXX and I was having financial hardship from only having 1 income and wanted to avoid my credit from being ruin was there anything I could do I couldnt afford the amount of payments on both my accounts. I was entered into a financial hardship program for both cards. They told me once I was approved I had to make 3 payments on time and the past due amount would go away. That never happend on 1 of the cards and it is reporting against me as past due affecting my credit report. I had called in the beginning in XX/XX/XXXX and XX/XX/XXXX and was told by I think XXXX once I made 3 payments that past due amount go way. Still never did. I called today XX/XX/XXXX XXXX told me its a computer glinch and Capital One trying to fix it I told her NO that is not true because if it were then how is my XXXX card fine but the XXXX XXXX is reporting past due and I am in the program on both. Once I refuse to accept that answer she comes back to tell me I have to pay {$72.00} in order to bring it current and this was never told to me before and how was I approved for this program and never told this until today she claims there are no notes from the 3 previous conversations THAT STRANGE I asked her isnt that weird there are no notes of our conversation but yet they see I called she agreed. I wanted to speak with supervisor was told I had to wait to get a call back she wasnt sure when or who it would be REALLY and this is wrong I want my credit fixed and Capital One to beheld responsible I worked hard to repair my credit which is ruin because of them.
To Whom It May Concern, It was in late XXXX XXXX 2017 when I attempted to use one my 3 chase cards, of which I used frequently and relied on daily, that my card suddenly started getting declined. Having always relied on chase and rarely having had any such problems, as I was sure I was a good customer who paid his bills and and did as any other, this came as quite a shock but I did not think much of it. It was only when I soon called in to inquire about the declined charge that my relationship with chase was suddenly torn into pieces and thrown away. It seemed as if in a heartbeat I went from a good customer to a customer which they care nothing about and are willing to throw out and forget about. I was told over that phone call, vaguely, that for reasons they can not disclose and will not disclose my accounts had all been shutdown, all my personal credit cards, bank accounts, and safety deposit box has been immediately and permanently shutdown! This unfortunate series of events caught me in a stage of shock where I had no clue what to do. All of a sudden it seemed as if a big part of my life revolved around chase and it was now all gone for reasons I did not even know or to this day will never know. I was told that I will get a letter to inform me about this and thinking that it will hopefully clarify what happened I was wrong. All the letter mentioned that I was no longer a customer chase wanted to do business with and therefore they abruptly shutdown all my accounts. Not only that but they went so far as to shutdown my mothers accounts as well which I found completely rude, unprofessional, and uncalled for. I always believed I was a good customer with chase who paid promptly and was risk averse if anything and I would at least like to know what I did wrong so I can avoid doing so with other banks in the future although I truly do hope to rebuild my relationship with chase if my accounts do get reinstated. These events have caused my credit score to drop and less attractive to other banks as it now shows my accounts were closed by the issuer and also ruined my average age of credits along with other things.
On XX/XX/2017 i was asked to repair a water service hooked up on XXXX XXXXXXXX companys utility in XXXX XXXX alaska amd the residence address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX owner by XXXX and XXXX XXXX it was emergency services as I do all XXXX XXXX repairs and in the terriff amd application the XXXX   signed when they signed up for water service it stated that XXXX XXXX ownes its main lines only and the homeowner is responsible for maintence and any and all costs to keeping it in repair and working correctly keeping in mind its 3 days before XXXX and -30 degrees or colder so Mrs XXXX asked me to repair the service for them and I did they filed a insurance claim with XXXX and they pd the bill in full. 
Guild morguage company is who the loan is thru and is the worst company ever they refuse to release the fund Im owed keep giving me the run around they pd one of three payments they pd XXXX dollars in a check made to me and still owe 22+k dollars to me at first it was we have to get an inspection. Now over a yr later they wont even return or call me back the last time I herd from them they said the complaint department would be handeling this to see if any money is owed to me, how can a mortgage company decide if what the insurance company being XXXX pd in full is owed to me or not it has nothing to do with them the homeowner wasnt behind on any Payments so why a yr later are they not paying me the last two payments Im about to loose our house and my XXXX yr old grandfsther is about to be out in the cold over 22k dollars my name is XXXX XXXX my number isXXXX and my email is XXXX please contact me any time thank you
Equifax has not removed fraudulent information on my credit report, even though it has been reported over 60 days ago. 
XXXX ( XXXX XXXX is not the problem ) sent the first request to delete the information on XXXX XXXX, the AUD control number was XXXX. 
XXXX XXXX sent the SECOND request on XXXX XXXX, and the AUD control number was XXXX. 

I am unable to dispute the process through Equifax 's own website as they still have inaccurate account verification questions, which prevents me from accessing my credit report. Any other method of communicating with them officially is beyond me as I have limited transportation.
I have contact Amerihome on numerous of occasions & still no resolution. Since, Amerihome is not processing payments properly, they have now reported to the Credit Bureaus as late. By Amerihome, doing so this is affecting my XXXX XXXX and I can not obtain certain service to maintain the home. Failure is on Amerihomes part for not properly responding to letters, faxes, e-mails, calls, not properly researching the account when requested, failure to properly process payments, Customer Service & other depts. failure to provide an explanation, dept refers to contact another dept or send in a fax and failure of properly assure correspondence is received in a timely manner ( i.e. sending out days/weeks later of the letter dates, mail never received on important matters, etc. ). 

Since there is quite of bit of correspondence, I either email, fax or XXXX priority mail to CFPB.
PNC Bank charged me XXXX in overdraft fees for a XXXX overdraft. I do admit it was a mistake on my part that this happened, and I have no issue paying XXXX charge, but XXXX is very excessive. This is un fair. I could have got a payday loan and payed way less. This is predatory, and unethical. I am on a fixed income, and this is causing me a major hardship. I explained this to them and they said they will not do anything to help.
Experian has on my credit file as {$770.00} written off and there was no money written off on this account. 

I have provided from XXXX XXXX proof there is nor any money owed or written off. 

I have mailed document from XXXX XXXX showing there is no written off nor any money owed on this account. 
I need from Experian something showing there is or was balance owed as I have provided a letter showing there is no balance owed on this account.
Synchrony Bank and TJ Maxx rewards card. Have fraudulently placed a cease and desist on my account. This prevents me from being able to make a settlement with them. This cease and desist is nonsensical because the representatives claims that I would not receive statements from them or any information although I have been continuously contacted by them via email. And I spoke with synchrony in XX/XX/XXXX about another account I had with them. If this was the case I would have never been contact by synchrony. In addition during the call they kept requesting that I verify myself even though they had already spoken in depth with me about the account and the options for the account and already had read to me " this is an attempt to collect a debt '' they verified my name. My phone number was verified already in the system. I had verified my social security number already and after explaining to me EVERYTHING about the account. they then want my social security number in order to tell me the account number.
XXXX calls REPEATEDLY : EVERYDAY, SEVERAL TIMES A DAY, ANYTIME OF DAY OR NIGHT and has been doing so for at least a year. I reported them before ; they stopped calling periodically. Since then, I HAVE BLOCKED THE number. With the initial call, I responded that I have no debt with their company, please remove my number, and that our number is on the Do Not Call Registry. All for nought! This has got to stop! This is a household of elderly persons -- if anyone really gives a XXXX -- with one who is XXXX XXXX!! This is s-o sad that taxpaying citizens must endure such horrific ( and unnecessary ) harassment!! Getting rid of landline phones is not an option for the majority of ELDERLY persons!!!
Hard inquiries I did. It aithorize on my trans union credit 1. XXXX- XX/XX/XXXX 2. XXXX XXXX- XX/XX/XXXX 3. XXXX XXXX - XX/XX/XXXX XXXX 1. XXXX XXXX XX/XX/XXXX
I initiated a small transfer ( {$3700.00}. ) from an external bank ( XXXX XXXX  ) to my Chase savings account on XX/XX/18. I was told by Chase the funds would be transferred in to my Chase account on XX/XX/18. On that day I logged into my Chase account, and there was a notice that my account had been suspended for suspicious activity, I had received no notice from Chase-no email, no text, none whatsoever, and I was scared that someone had accessed my account. I cancelled my appointment to meet someone, and called them. I literally had to speak to 4 people until I found out why they suspended my account-it was due to the transfer I had requested into my Chase savings account!. I was on the phone for close to an hour about this. They called XXXX to ask if I had the funds to cover this, and XXXX confirmed that I did have the funds. Then the Chase representative asked me, " What is the purpose of these funds you are transferring? '' I told him it was none of his business, and he said he would not transfer my funds if I didn't answer! I finally told him it was to buy something, but I felt violated and harassed by his coercing me to say this. I have filed a complaint with Chase, but I am contacting you because despite multiple calls to them, with multiple promises that the funds would be transferred, it has now been 5 business days, and they still have not transferred my money into my account. The money is listed under transfer activity on my Chase account 's website page ( see attached ), but it is not even listed as pending. I have been a customer of Chase for many, many years, with not one single reason for them to do this. I have transferred funds with no problems in the past, NEVER EVER had any NSFs or any other problems. I have also complained to their Executive offices, and they promised me a return call, but they never called me.
Dear Consumer Financial Protection Bureau : Please, I have written the XXXX Credit Bureaus ( TransUnion, XXXX, and XXXX ) to contact XXXX XXXX XXXX in order to credit me for the credit history I established when I purchased a XXXX in XX/XX/XXXX and continued paying for it until XX/XX/XXXX when I finished the payment. Attached are the letter and summary of my account history from XXXX XXXX XXXX. I have been turned around each time I have called the credit bureaus about this while they continue to report that the XXXX XXXX XXXX do not report to them ( Credit Bureaus ). The credit bureaus should not have any adverse reporting against me when I have been buying and paying for my vehicles in full. They seem to be interested in hurting consumers than trying to help us. I could not be establishing a good credit while they continue reporting the adverse hurting credit histories instead of reporting the good credits I have worked hard to establish. I do not know what else I could do to help my credit reports than to appeal to you to help get my established records credited for me. I am being dribbled by both the credit bureaus and XXXX XXXX XXXX. This is a report against TransUnion since you told me to file separately against each credit bureau.
On XX/XX/XXXX I sent a validation letter to Credit Management LP asking to validate the debt they are reporting I owe. In the letter I included my name, address, and the account # provided on all 3 credit reports. The company responded on XX/XX/XXXX stating they were unable to properly identify my account.
I worked with Early Warning Systems a year ago. Please see attached document. I am a victim of identity fraud. They sent my report ... it is attached here. I just applied for a bank account and was denied due to Early Warning Systems. It appears that there is new information or they put back on information that was already removed. All I need is for this to be fixed like it was before. I am also attaching my police report.
On XXXX XXXX I attempted to make a monthly payment on my Citibank held Home Depot card. I discovered this card and my Citibank held Costco card were close due to Citibank attaching someone else 's bankruptcy to me in error. The person lives in XXXX and I live in XXXX. Citibank took months to correct this error and cost me much time, stress and 50 points on my credit score. When they finally corrected the error, they immediately began calling ( same day ) 2-3 times a day requesting I pay my bills and immediately put my two accounts in arrears. Again affecting my credit. Remember, I could NOT make a payment because of THEIR error. Eventually they took a little interest off my Costco card and gave me {$100.00} on my Costco cash balance. They declined to offer or do more. 

On Saturday XXXX XXXX, XXXX, while again attempting to make a monthly payment on my Citibank held Home Depot and Costco card, I was again prevented from doing so. My cards are closed and I am forwarded to a recording saying they are closed and 'this is an attempt to collect a debt '. This is EXACTLY what happened just three months earlier. 

It is unbelievable to me that Citibank could make this error a second time, but apparently they have as I got a notice per XXXX law from XXXX saying something negative has been added to my credit file. 

Please help!!!!!
XXXX XXXX XXXX In XXXX XXXX Georgia Ran An Expensive Series Of Test In The XXXX.Without My Consent.. I Verbally Refused Treatment In The ER Numerous Times. The ER Staff Assaulted Me, Drugged Me, Held Me Against My Will And Never Ever Gave Me A Right To Dispute Notice ...
Someone called me yesterday morning, XX/XX/2019, seven times in a row, and told me they know where I live and work and that theyre delivering a claim filed against me. The man said he is a private investigator and began revealing my addresses and workplace. When I told him I dont even know who he is or what hes calling about, he gave me the number to XXXX XXXX XXXX ( XXXX ) and a claim number, and said hed call me back in 20 minutes to make sure I called them, otherwise, he would be at my work with papers ( even though I told him multiple times not to ). When I called the company, they told me I owed $ XXXX+ from XXXX  XXXX XXXX. When I asked if they mailed me anything describing the debt or payment options, they said they handle all correspondence via their private investigators. They took my social security number and birth date. I was afraid and gave them my credit card information because they said no checks can be mailed to them, that they do not take checking account or routing numbers, and that they only accept Visa and Mastercard. I have since canceled this card. When I called back to obtain a mailing address, I was placed on hold for 10 minutes and given the address to an old XXXX store in XXXX, AZ. When I asked for their company name, they said XXXX. They also have no website. Today, they repeatedly called me again and when I didnt answer, they called my father and sister-in-law, telling them I am eluding the police on a past debt and then described their vehicle information to them. I have no idea what to do at this point. I am scared, and this company is harassing me. They are not following any consumer laws.
ATG Credit has violated 15 USC 1692 by continuing collection after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus
I mailed a certified letter on XX/XX/XXXX to Avante XXXX asking for debt validation and the company mailed me a letter back on XX/XX/XXXX stating that they were unable to locate the account. Even though the debt is on my credit report If the company cant provide me with accurate information I requested or cant locate a account with the information I provided the debt should be deleted from all reporting credit reports.