WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX at XXXX ; XXXX XXXX called Pentagon Federal Credit Union to pay off an outstanding charge off that continue to report 90 days late monthly to XXXX, XXXX, and XXXX. I was notified by the representative that this account can not be paid to PenFed because they no longer own the account. I asked when was the account sold and was told back in XX/XX/XXXX. My next question was should this account then be reporting a XXXX balance per FCRA 623 ( a ) 2 which requires prompt update of any reported information that is necessary to reflect its current accuracy. Therefore, PenFed is under obligation under section 623 ( a ) ( 2 ) to promptly update the current balance which will be XXXX. I was then transferred to a supervisor by the name of XXXX who confirmed that this account was sold to XXXX XXXX in XX/XX/XXXX after it was charged off. After concluding the called XXXX and spoke to XXXX to initiate a dispute regarding this PenFed account. I stated that PenFed should be reporting a XXXX balance since this account was sold to XXXX XXXX. Next, I initiated a dispute with XXXX by speaking with XXXX at XXXX XXXX. Lastly, I initiated a dispute with XXXX at XXXX XXXX with a representative name XXXX. XX/XX/XXXX, I received a credit alert from XXXX that the Pentagon Federal Bankcard was update from having a past due balance of XXXX to XXXX. The account was not updated to reflect a XXXX balance and sold or transferred to another lender it was. At XXXX XXXX I contacted Pentagon Federal Credit Union again. I chatted with XXXX and tried to pay off this delinquent debt again. I was placed on a brief hold and XXXX explained to me that PenFed can not accept payment because they no longer own the debt and this account was sold to a collection agency named XXXX. The evidence shows that PenFederal Credit Union provided an inaccurate verification of the debt to the three major credit reporting agencies.
When I was reviewing my credit report I noticed a collection from XXXX XXXX company, I reached out to the credit bureaus to investigate its reporting to which it has come back verified, I then reached out to XXXX XXXX  I got no response I then filed a CFPB complaint on XX/XX/18 to which I got a response saying as follows " Company 's Response Our office is in receipt of the complaint filed by Mr. XXXX XXXX. We greatly appreciate this opportunity to respond. Please be advised that the very same concerns were recently raised by Mr. XXXX in a previous CFPB complaint. As we advised previously, we can not locate the file in question with the information that has been provided to XXXX as part of the consumers complaint. We would appreciate it if Mr. XXXX could provide us with information on the specific account in question. If he could please upload to his complaint a copy of a letter with a XXXX file number and/or a copy of his credit report, we would be happy to investigate the consumers concerns further. We trust this resolves your concern. 
Now I don't have any information to provide since I don't know what this is and since they couldn't locate the file i'm unsure how the credit bureus ever did a real investigation. Like what they refer to in the XXXX Vs XXXX  lawsuit.
Why am I paying {$500.00} plus a month for this private loan from Navient. This is ridiculous. Can I do something about this? Lost and fraustrated. What are my options here.. SOS. 

XXXX XXXX
I have had my capital one Mastercard since XX/XX/XXXX and the payment protection plan but was never told of the benefits and I was out of work from XX/XX/XXXX until XX/XX/XXXX. Then thought it was cancelled but it never was. I called in XX/XX/XXXX when XXXX but was never told about unemployment or XXXX protection just hardship. 

I also have a journey card have had for past 3.5 years. I had plan put on that but when I called today it had never been activated. When I called today because I have been out of work still for XXXX and unemployment they said I was never put on and that ca n't get anymore. 

I really need and needed the help to pay with bills and credit cards since had to put food and things on.
My most recent Bank of America credit card statement reflects receiving my {$600.00} payment, and shows my balance due reduced by {$600.00}, less $ XXXX % charge. However on the recent activity page, only {$200.00} ( approximately ) was applied to my balance 's. When questioned, customer service could not answer for the other {$400.00}. At one point we were told our payment was refunded ; than they admitted they had no answer and suggested going to the local bank. The bank rep also could not answer and called his support. " Support '' said our 0 % balances reflect the balance due including a potential % charge. We knew this was untrue. Next the support rep said the amount was properly applied in the computer, but did not show on statement. ( At one point the rep said they accidently sent another statement so just ignore it ) We asked if the statement would reflect the correct balance? Answer : No. We asked if the computer shows the money applied, why would it print an incorrect statement? Answer : The computer prints what it prints and can not be changed. We are concerned there might be some embezzlement or fraud. Without audit our statements and payments have not reconciled since at least XXXX 2017, but that involves filing a separate complaint. We had this account 23 years. We know errors can be fixed but Customer Service at Bank of America is non existence for us. We spoke with 5 or 6 different people ; 2 had no answer at all while the rest gave multiple ridiculous excuses with only one common theme ... do n't worry about it, wait for next cycle. Not acceptable.
I have some hard inquiries on my Equifax credit report that needs to be deleted as soon as possible because the companies have already sent the proper documentation to Equifax to have these removed all my credit report because they were unauthorized. I am trying to qualify for a mortgage but do n't want to apply for anything until these are removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Received phone call early XXXX stating that I court papers have been issued & papers will be served at my employment. Also stated that I will need to be present along with supervisor to sign papers. Has called my work place including mangers and family members several times in the day. Finally spoke with them and stated that they are collecting a debt from a previous loan from XXXX and if not paid, will include a {$6000.00} fine to pay for attorney fees. Phone number is listed at XXXX under name " Central mediation Services ''. Address listed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. When calling, I keep getting the same woman. Have already made XXXX payments in the sum of {$300.00} before realizing it was a scam and have cancelled my debit card.
International Collection Systems, Inc. of XXXX XXXX XXXX XXXX, AZ, has called repeatedly, sometimes XXXX times per day, and sent threatening letters to my address, as well as contacted my extended family in order to collect a debt. The language used over the phone was threatening.
MT Bank charged me a fee of {$360.00}. They claimed it was for legal fees of previous lender ( XXXX XXXX  ). Their employee XXXX XXXX investigated the matter and came back with information that the {$360.00} fee was for fees. He said that the fees was for 24 months of inspection cost of 14 day. This is totally illegal. They are making up stuff to cover up the fraudulent activity. I am so frustrated with this bank. Its so unfavor. I want my money back.
I had a Citi Thank You Premier credit card which was closed in XXXX XXXX. When it was closed, I still had XXXX ThankYou points that were accumulated but not used. When Citi closed the credit card account, I was told that the ThankYou point account and all the accumulated points would remain active and valid, since I still have a checking and a savings accounts ( both with Citi ) that are linked to this ThankYou account. However, I just noticed that the point balance is now XXXX on XXXX/XXXX/XXXX. I called Citi customer service today and was told that those points have expired because the credit card account was closed more than 60 days ago. Citi failed to inform me of this 60-day window when the credit card account was closed, and now they state that the points are forever gone and can not be brought back. Again, Citi did not provide me with any information on the upcoming point expiration date or ways whatsoever when the credit card account was closed, which is absolutely unacceptable.
I have issues with the transaction of my Mortgage. I attached a formal grievance letter stating the areas of concern regarding the transaction of my mortgage.
I am putting in for a HARP loan to CitiMortgage. The reason I need this is because I lost my job and will be unable to make my current mortgage payments. I was sent the paperwork for making homes affordable. I faxed over the application and the requested documents at least four times and my contact from CitiMortgage XXXX XXXX keeps on claiming they never received any of these faxes!!
I believe I am a victim on predatory lending. My loan was transferred to Harrison Finance XXXX and I believe my interest rate and amount increased beyond what my original lender promised me.
I rec 'd an email from Equifax TrustedID XXXX XX/XX/XXXX that reported a credit report alert. 
About XXXX XXXX XX/XX/XXXX I read and checked online what the alert was about. It was an updated adress which was correct but no acccount with it that it was related to. 
At XXXX I recieved a text from XXXX XXXX that they had detected activity needing my attention. I went online and so no change so I called the number proveded in the text XXXX I waited on hold for over 30 minutes. Then a woman ansered I explained the above and she said they are extremly busy today and I had been automattically transfferred to a different department that could not tell me what the issue was but would transfer me to the fraud department. XXXX. I explained I would like to know what the issue as I had an alert emailed last night. She said she could only guess but to call that fraud number. I called andd it was an automated number to place a fraud alert on the account. The instructions were unclear and did not allow you to speak with anyone. 
The reason I signed up with the service is that it was to protect against issues due the the Equifax leak. I have since learned that the best way to protect is to have a freeze placed at all Bureaus but that cost us the consumer more money. My previous complaint XXXX had to do with inability to communicate with Equifax and XXXX XXXX. Issue continues
Someone named XXXX or XXXX XXXX from JPL Recovery Systems is repeatedly calling my Human Resources Department at my work looking for information on me and has told them I owe them money and they are going to garnish my wages. They have also called me numerous times at work. I have told them I am not able to receive calls at work and now that they have started calling my Human Resources department I was called in today and told this needs to stop. 

They have also been contacting friends of mine looking for information on me and letting them know I owe them money.
XXXX XXXX closed my complaint thinking it was a duplicate. It's not a duplicate and this new issue just happened. Maybe I wrote to much in my previous complaint and it was over looked. But the new issue is still with the card, but in fact that the amount they REMOVED which was XXXX and credited my account was added back increasing my balancing once again. 
Now, I am seeing a balance transfer in the amount of {$320.00}. Increasing an already high balance. I am not understanding what was the need of this transfer if it was credited, if I suggested to close the account, and XXXX some how forgot. Now this new balance increase, has affected my credit score which doesn't look good when I have been doing what I said I would do, which would be pay the balance. Later in the letter, it states that " The only balance you are responsible for is on account ending XXXX. Which at the time was not {$2300.00}. This is beyond ridiculous. This in fact is not a duplicate. Nothing was resolved, with them adding money back into my account. The information I have attached shows proof of what I am speaking of.
Dear CFPB : I am writing to you because I have exhausted my options. I did not owe anything to this credit card company, they were charging for the annual membership fee and because they were sending the invoices to the wrong address, they put me down as being late. 

Below is the letter I sent to XXXX XXXX XXXX from Barclays Bank Delaware she works in the office of the president. 

I am requesting that negative information supplied to the credit reporting bureau be removed. 

Background, I opened a credit card account with XXXX Bank in XX/XX/XXXX. The credit card has a high limit of {$10000.00}. However, I have not used the card or carried any balance in over 2 years. 

Barclays was trying to collect an annual membership fee of {$89.00} from me and apparently was sending the information via email to my ex-wife. 

XXXX was sending the bills to XXXX XXXX XXXX XXXX XXXX, CA XXXX and the email address was XXXX. Both the address and the email address belong to my ex-wife. I had sent a letter back in XX/XX/XXXX letting XXXX XXXX to update my contact information. 

I have not lived at the XXXX XXXX XXXX XXXX XXXX CA XXXX address since XX/XX/XXXX. My address is XXXX XXXX XXXX XXXX XXXX Ca XXXX and my email address is XXXX I had no idea that XXXX was trying to collect an annual membership fee of {$89.00} since all the contact information that XXXX had was not correct. 

I only became aware of the negative information because I subscribes to XXXX XXXX which sent me notification that XXXX was reporting negative information. 

As soon as I found out about this issue I called XXXX paid the {$89.00} and updated XXXX with the correct home address and email address. 

Prior to Barkleys reporting the negative information of a 30 day late in XX/XX/XXXX and a 60 day late in XX/XX/XXXX my fico scores ranged from XXXX XXXX. Because of the negative information my current fico score rage is between XXXX XXXX a drop of XXXX points. Up until this point, I had no negative reporting. 

I'm in the process of refinancing one of my properties but can not do so because of this negative and incorrect information. 

Please be aware that your direct actions is impeding my ability to refinance my property which will cost me hundreds of thousands of dollars in higher interest rates over the lifetime of his loan. 
Please update the credit bureau to show no late payments.
On XXXX XXXX 2017 a certified letter was received by Diversified Consultants, tracking number : XXXX This letter was asking for validation of a debt, account number XXXX. They failed to provide validation of the amount they state I owe. They also only sent a prior XXXX bill. Absolutely nothing with my signature to validate they have the right to collect this debt. I would like my account removed from their systems and revoke their right to report to the credit bureaus
In XX/XX/XXXX I attempted to refer my payments or at least pay based on income. Navient made it extremely hard to complete my request. Their website is not user friendly, attachments need to be a particular size, and they would n't let me submit the document over email after I request. After I eventually submitted all the paperwork the way they required, there was no follow-through. I never heard if they were going to action or if they even received my request. I took out loans every semester XX/XX/XXXX-XX/XX/XXXX. I owe around {$33000.00} in student loans. I finally have a job where I can afford to start to pay students loans but I 'm concerned that I 'm going to be paying too much. My monthly payment is currently {$340.00}. I will try to get it reduced again but by what I 've read online, it seems like they are not going to work with me. I truly wish I could transfer my loans to a more reputable lender whose customer service actually operates as if they care for the borrower. Additionally, like other borrowers I read about online, they have very limited and vague contact via email i.e. " New Document Is Ready To View '' emails.
I have capital one silver credit card and I paid in full balnance on du date. They charge {$110.00} on XX/XX/2018 and again on XX/XX/2018 {$36.00} even I paid full balance before due date. I called and request to rmove interst charges and they refuse to do so. 
I believe this is rip off and custmor service is bad. Do not like to talk. 

I request is anything you can do? 

XXXX XXXX
I have complaint file complaint stating my score is not being calculated properly XXXX  especially has several hard inquiries that should not be on my report this has been on going I barely have credit and they are not updating my report as they should these agencies has been a detrement to my life. 

I need Transunion and XXXX to remove all old inquiries I have a XXXX XXXX limit on my XXXX that is not being reported by tansunion or XXXX
In XX/XX/XXXX, I discovered a fraudulent account had been opened with my social security number and was showing up on my Equifax account as unpaid. The other two credit agencies did not place this fraudulent account on my credit report. 

I opened a dispute with Equifax, with whom I've had a security freeze since XX/XX/XXXX. In XX/XX/XXXX, I moved to Pennsylvania, where I currently live. This fraudulent account was opened in XX/XX/XXXX for the address XXXX XXXX XXXX, XXXX AL XXXX. The reference number for the dispute is XXXX. 

Equifax closed the dispute, claiming I lived at the address in XXXX Alabama. I have never lived at this address, which can easily be verified by looking at my current mortgage information. 

I'm horrified that someone can fraudulently open an account, that the utility company with whom they opened the account never conducted a proper credit check ( if they had, they'd have seen that I have a credit freeze ), and that all it takes is for a company to claim I lived somewhere for this to negatively affect my credit.
My wife and I refinanced our mortgage last to rid ourselves of Wells Fargo Bank and inserted an attachment to our escrow that Wells Fargo and/or their assigns were not to be the servicer of the loan. The reason was for illegal practices ; in our case forced insurance when we had already insured and closed with proof. They insisted we pay their insurance form regardless of not proving that the insurer was legal to do business in Hawaii. Wells Fargo was primarily instrumental in the sub-prime fiasco which up ended the economy and interrupted the incomes of both my wife and I which incomes qualified us for the mortgage. Subsequently we lost most of the incomes necessary to pay the mortgage on time and Wells Fargo came after the security for our mortgage ; our home. We went late because of their impropriety and fraudulent banking practicing and we able to keep the home because I as a former mortgage loan officer structured our mortgage to provide assurance. All of my attempts to seek mutual solution with the bank including using the U.S. Attorney General 's office fell by the way side and we are still stuck with Wells Fargo Mortgage. 
I have had difficulty with that bank since 1984 and while I was able then to severe the relationship I have not been able to do so yet. 
What I was seeking and continue to seek is severance and the cancellation of agreements with the bank including the current mortgage with forgiveness of debt which currently is less than the origination amount due to our principles of paying what we owe. 
We have not faulted or harmed Wells Fargo Bank/Mortgage yet will not be able to say we have been treated like such in return. 
To agree to a lending and payment contract while stating and demanding fulfillment of qualifications necessary for approval and then defeating those qualifications as the lender and not the borrower and then attempting to assume possession of the security is lender fraud which is against the law. We know that, all of us, and we know that we know it.
I have made several request to Speedy Cash to Cease & Desist all phone calls and I still am receiving phone calls.
My name is XXXX XXXX. I resided in an apartment complex called XXXX XXXX in XXXX XXXX Arizona. Address is XXXX XXXX XXXX  XXXX XXXX. XXXX, AZ XXXX. I rented from XX/XX/XXXX to XX/XX/XXXX in apartment XXXX and finished the lease. We did a walkout inspection with a management employee and he claimed there were red floor stains on the vinyl, which is not true. I have taken video and photographs with a newspaper for the date and time to prove it. The apartment management refuses to acknowledge this. I also sent letters requesting information about the charges, what company they hired to fix the floor, or when the work was done. When I approached management again, I asked for a receipt to prove the repairs they made, but they could not provide it and claimed they had no such receipt in their files to even prove they did the work on the floor. Also, before my family moved into the apartment, the floors were heavily scuffed, discolored, and damaged and we notated that with our move-in inspection. The apartment also did not notify me of their intent to send me notification of forwarding this claim to creditors. With counseling, I sent written letters to the apartment and even sent certified mail with no response. The mark on my credit is still on current reports. My wife also filed a complaint to consumer finance back in XX/XX/XXXX to look into this matter and was able to have this negative mark removed from her credit, but XXXX still has not taken it off mine. 

The debt collection service is called XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the representative is XXXX XXXX.The dollar amount they are attempting to collect is {$120.00} and {$18.00} of that amount was interest unless the numbers changed recently.
Around XX/XX/XXXX, I submitted a dispute to Transunion in regards to an account in collection with XXXX XXXX in the amount of {$260.00} that was paid in full to the original creditor, XXXX XXXX, in XX/XX/XXXX. They verified to account as accurate with the collection agency due to a {$0.00} balance remaining. I disputed the account again around XX/XX/XXXX showing bank statement of proof of payment settled in full and yet was denied due to information being deemed as accurate and it still remains on my report. I have recieved a letter a few days later from the collection agency deeming that account is considered paid/closed with {$0.00} balance dated XX/XX/XXXX and it still remains on my report inaccurately.
I wrote a check on XX/XX/XXXX, Check Number XXXX for {$390.00}. I got home and realized store misrepresented sale, called my bank at ( XXXX ) XXXX, requested they stop payment on the check, which had not yet posted. 
When it posted on XX/XX/XXXX, recalled Bank, told me I had to file a different type of claim. I went into my branch to sign documentation onXX/XX/XXXX and told Bank would not assist me.
My  School Loan h older is Navient. Todays complaint was initiated by me checking my loan on their website to verify that my payment went through. My payment is scheduled fo r Auto Debit eve ry month. I have never missed a payment. However their site has informed me that I missed a payment and the original due date of   X/XX/17   is no longer there but now is forwarded to next month  X/XX/17.  Ever since I started paying more on my loan there has been computer errors or mishandling of my payments frequently. I have to waste countless hours to give over sight to a company that has been using policy they make up to get the most profit interest they can. I am sick of this company and have been dealing with their incompetence for years. I want to join the lawsuit against them and make a formal complaint against them. I have had it. I am sick of trying to pay my bill on time and have to be aggravated all the time with their inability to process normal standard billing procedures.