WillisBack/dataset-financial-user-claim huggingface dataset:
We have already submitted several complaints about same situation and now I have just found out more information which is destroying us and needs rectified immediately. One of past complaint numbers is XXXX. This should help you get the other and all past case information. Thank you. 
The new case info I just found is that Bank of America placed info in our credit file that states we had a foreclosure started. I warned them at least 2 years ahead of situation that was coming and they did not do mod until we missed payment. We made late penalty and then made payments during mod process until we were advised by BoA not to any more. But BoA still kept late payment time adding up.BoA messed up several times delaying everything. When finished mod. BoA only extended high interest rate ( 5 3/4 % ) and made loan 40 yrs instead of 2 % for 30 yrs even though our monthly set bills where over the ratio required. Then we missed the XXXX mortgage payments also with BoA and so we went through Save the Dream Ohio and BoA messed up again even with us warning them ahead of time up front not to make the mistake they did. BoA just brought it current which was of no use as we could not make payments and needed it paid off with Save the Dream funds. It took several more months to get BoA to get act together and finally with the remaining Save the Dream funds and added funds we borrowed from Family got XXXX paid off completely. We were told we could refi in 1 year on XX/XX/XXXX. Now have tried and just found out BoA messed up again. BoA placed foreclosure inforemation on our credit report such that 1st they do not have the late payment off untill XX/XX/XXXX not XX/XX/XXXX, then also because of foreclosure info ( which we did not have ) making a XXXX on some refi banking thing. We can not refi untill XX/XX/XXXX at all. BoA is killing our finances and Family. BoA executives should be taken to jail as we at a point were working with the executive offices of BoA. All this requires fixing immediately and even compensation for BoA 's hardships, pain and suffering they have caused us and I am sure many others. 
XXXX XXXX XXXX
On XX/XX/XXXX I checked my credit report and noticed that an account that was DELETED on XX/XX/XXXX was re added to my report. I WAS NOT NOTIFIED THAT THE INFORMATION WAS GOING TO BE RE ADDED TO MY REPORT After per Equifax " when an item is deleted it is removed from your credit report and taken steps so it does not reappear ''. That is not the case!!! this account needs to be removed from my credit report ASAP. I have attached the copy of the letter received from Equifax confirming that the account was deleted. My true credit report is not being shown. The account is XXXX XXXX XXXX act # XXXX!
Wells Fargo will not let you pay a mortgage off at any of it 's branches. You must call a number to get your payoff amount. Then you must ( " XXXX a check or wire the money to them " ) this is what I was told. I pushed back and they said If they took the interest out several days the payoff would change but I could mail the check. Now you mean to tell me they do n't have the ability to do this in branch. They accepted every other payment on my mortgage at the branch.
XXXX, My name is XXXX XXXX XXXX, and I had an account with XXXX XXXX who then reassigned me to Navient. During my time with XXXX XXXX I was told to go into forbearance, instead of income based repayment.I was also not disclosed the long term effect of doign what they suggested. I was then in forbearance with XXXX XXXX and Navient. I have been able to make payment, however I notice that I would only need to pay every other month. I found this concerning and placed a phone call XX/XX/2016. I was told it was glitch in their system and not to worry that my payment was not due for another month. This happen over the course of last years. Also, review the amount I am paying interested is outstanding. At, this point I am concerned with the way my account is being handle and how my payment are I applied. 



XXXX, XXXX
XXXX, XXXX and XXXX, XXXX have been reporting incorrect information to credit bureaus. My credit scores have gone down and I am not getting approved for housing loans. No credit increases approved nor any new credit cards granted. Credit badly hurt owing to irresponsible reporting. Several letters wrote but to no avail. XXXX and XXXX would not submit proof that the alleged debts belong to me. Legal letter sent a couple of months ago but to no avail..
I got nothing owed from XXXX company since I cancelled my account from them on 2012. 
Do not know how they got it I am just tired dealing with this collection agency. So, I reported these matter to stop! 

Thanks, XXXX
I submitted to the company that I denied the debts and any portion thereof they responded with another collection notice and a bill from the original debtor stating that I had a XXXX balance and the charges of the XXXX had been paid yet when I called them to inquire as to why they were still collecting on a debt that had a XXXX balance they refused to allow me to speak to a supervisor and hung up on me.
From XX/XX/XXXX Fall Semester at XXXX university I had a loan with Salle Mae. The loan was approved and I went to school and sat in class. in XX/XX/XXXX my loan was taken back from me mid semester. I was informed by XXXX University  That Salle Mae took back my loan after the financially clear date. I ended up back at home facing extreme loan debt while attempt to restart my education because most of my credits didn't transfer over. 

Salle Mae is missing that particular loan document to which I will need in court against Navient. 

this is a formal complaint against Salle Mae, Navient and XXXX University. 

I am entitled to all documents signed by me and my cosigner. 

I have spent a month attempting to get the correct document from Navient and without this all documents are null and void. 

I signed 4 documents considered loans with Salle Mae 3 approved and one approved anhen unapproved at a later date and pulled from my school XXXX at the time. 

This is a document I will need in all cases against Navient and or Salle Mae. 


Both parties are claiming they can not locate it. 

Please assist as I will need the document as soon as possible.
On XX/XX/XXXX I noticed that my score went down forty five points. I called got the rudest special service person he was quick to talk but he doesn't listen to the issues I asked to speak to a Supervisor I knew was going to hang up. He said my score went down because of two late payments on the mortgage which was back in XXXX of XXXX and XX/XX/XXXX I told him my score was XXXX for quit sometime and why would Transunion wait all this time to take fifteen points of my credit. now XX/XX/XXXX I have spoken to the XXXX XXXX XXXX waiting on there response I am sure it is incorrect It seems the harder you work on your credit Transunion takes off fifteen points. They had know right to go that far back and lower my score. And the company will be contacting the credit Bureau. I am a victim of Identity Theft .I hope they don't go back XXXX and find another reason to lower my score it should be a law to stop issue like this.
XXXX XXXX XXXX No contract and no completed information XXXX XXXX XXXX XXXX unauthorized inquiries XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX
I received notification from XXXX XXXX in regards to a debt that I was unaware and NEVER received a letter. however what concerns me is that I rent from this company - theyve have not informed no letter about debt validation / verification. This collection is absurd and really believe this company did not do proper ways to contact. I have not resided in the residence since 2015. Why would it appear on my credit. XXXX XXXX has been sold 3 times, when leaving the company a Walk-thru is required ( inspection ) and a {$0.00} balance is required to be able to rent another property from this company
I have an issue with the Ultimate Rewards program. The first thing I see when I login on the left side is my Ultimate Rewards balance of XXXX total point as of this moment that I am writing this. Upon clicking on it, it displays the XXXX credit cards with their respective " current '' point balances and asks me to select one. After I select the card account that has XXXX points, I hover over to the top right where it displays XXXX points and then select combine points. On the combine points screen, I select to move XXXX points to the other credit card account with XXXX points. I then select the option to move all my points. After I press Review, on the next screen I click Confirm & Submit. Then I get the message " An unexpected error occurred. '' I called customer service today and spoke to XXXX. She said since the account was closed in XX/XX/XXXX, I had to have used my points within 30 days. I did not know that. If that really is the case, then why does it say that my " current point balance '' is XXXX points? If I am not allowed to use the points that I have earned then why does it say that those points are my " current point balance ''? She was not able to give a satisfying answer.
I currently have a mortgage with BB & T ( initially XXXX Bank ). The mortgage is on a home I purchased in 2005 for at the time was my Primary residence. We have since converted this to a rental property as the home was no longer able to accommodate our growing family, and we were unable to sell due to market conditions. The mortgage is what would now be considered a predatory loan ( XXXX Interest only 1st 10 years ). In the past month the payment has ballooned as the loan has modified to its amortization stage the payment has increase by more than doubled what is was during its Interest only Phase from {$480.00} per month to over {$1100.00} per month. XX/XX/XXXX anticipating this change I reached out to BB & T to see if they were able to work with us on a refinance or loan modification. We were told we were unable to refinance due to the currently loan to value of approximately 130 %, the loan was not qualified for the HARP program as it is not backed by XXXX or XXXX XXXX ( we are told it is a BB & T/XXXX loan ). In XX/XX/XXXX we proceeded with the Modification/loss mitigation request as we were told this was our only option. After countless hours of works and endless documentation requests over almost 4 months we were told we had been declined for modification to a 30yr fixed program, leaving us only XXXX options keep making a payment we can not afford or let the home go into foreclosure. The reason for decline was that our current rents received cover mortgage payment. What BB & T failed to account for while delivering this decision is that there are Property Taxes, Home Owners Insurance & HOA Fees tied to this property that also require monthly payments. When factoring in these amounts we are at a significant loss.
Trans Union is not responding to my requests to investigate and remove some accounts from my credit file that do not belong to me.
I tried using XXXX internet but because of my location it did not work well. I canceled within the 30 day time frame. They are still charging me {$430.00} for non-returned equipment that was returned within the required time. I did not authorize this charge. At the initial phone order they " required '' a credit card for {$60.00} hold fee that she said would not be charged. I disputed the {$430.00} and now while that is disputed they charged me again for {$150.00}. I asked Citi bank to not accept any charges from them and explained it is NOT authorized.
SEVEN/TEN YEAR RULE UNDER FCRA GUIDELINES - REMOVAL OF TRADE LINESThree new decisions - XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ; and XXXX v. XXXX , 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 and 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 of XXXX. v. XXXX ( XXXX ) XXXX XXXX XXXX, XXXX S.XXXX 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 ten 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 disputed a couple of accounts that showed as delinquent on my credit report since I could n't find any record of those accounts in my files. I asked them to provide physical proof of verification of the account or remove them from my credit report. Their response was that the account had been verified but did not provide either the name of the employee who verified the account or physical proof of the verification of the account. Do n't they have to verify the accuracy of the data reported not just report whatever is sent to them?
I sent XXXX XXXXXXXX XXXX, The furnisher of the information and I requested that they conduct a investigation for for these items in question under FCRA Sec. 623. This accounts was charged off but still was reporting balances on both. I sent the letters off dated XX/XX/2018 requesting this info. Since, that time I have received a numerous replies, that has been filed. Now, as of XX/XX/2018, I received a letter stating " you did not indicate what specific information I was disputing '' and to contact the reporting agencies about these accounts.
Recently my own as well as my wife 's social security information was leaked without my permission by Equifax. As far as I know my social security number has not been used, however I 'm certain it is now unfortunately public information and this is unacceptable.
I have a mortgage loan with Navy Federal. I pay each month prior to 30 days late but after the XXXX. They send me a certified Lett every month making a suggestion of collection. At the bottom it states this is an attempt to collect a debt. However, nothing has happened for over a year. I have kept these notices. I saw information that a suit was filed against Navy Federal. Is this something in which I can participate?
I was shocked when reviewing my credit report and found a late payment on the following date : 30 days late as of XX/XX/2017. 
I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
On XX/XX/18 I discovered that all three credit bureaus, XXXX  , Experian and XXXX are continuously reporting a " revolving '' credit card from XXXX XXXX XXXX , with a balance o {$900.00} on my credit report in spite of my dispute filings and complaints of inaccuracy. I do not have and have never had a card from this company with this balance owing. This is a balance & card that I do not have. No verification provided by any source in over 30 days. 

It is an item that should be completely removed from my credit report.
I opened a Capital One 360 Checking account i n  XX/XX/XXXX  of th is year. I have an online bank that I use but wanted to change to a more reputable company. I did a   XXXX   search to see which banks are offering promotions. I came across Capital One and they had at least 5-6 promotions they were running. I applied for a checking account that included a {$400.00} bonus. The requirements for this bonus were that I needed to make 2 direct deposits of at least {$250.00} or more within 60 days, accept the terms and conditions and be the primary account holder. It also required putting in a code of  XXXX  when completing the account, which I did and it was ACCEPTED BY CAPITAL ONE. After my 2nd deposit I called Capital one to see when I can expect my new account bonus. I was told that since I was not in a targeted area, I would not receive it. I explained to the representative that this was never explained to me and besides the system accepted my code and never said anything about being targeted. I have talked to so many people and even emailed the CEO  XXXX  and the customer satisfaction team with no resolution. They keep blowing me off. I know for a fact that people all over the United States are receiving this new account bonus. I was able to find that out online from a   XXXX   search.
Capital One 360 Checking Account Summary : Apply Now Account Type : 360 FREE Checking Account Maximum Bonus : {$400.00} Availability :    Nationwide (  DOES NOT SAY TARGETED AREAS!! ) Expiration Date :  XXXX / XXXX /2017 Soft/Hard Pull : Soft Pull Credit Card Funding : Unknown Direct Deposit Requirement : Direct Deposit is Required of at least $ 250+
Hello How are you doing I was having a problem with PayPal. A consumerfinance complaint was filed and I was talking to PayPal and the paradise was told that I was allowed to withdraw the funds in an account on XX/XX/2018. An email was received by PayPal telling me to allow me to withdraw money from My PayPal Account You have entered my PayPal account to add Visa Card to withdraw the amount from the account but when I enter the card information I receive a message that you can not withdraw the money because the account has restrictions and can not be withdrawn Contact the customer service agent to find out why you told me The employee will be contacting the president 's branch company to find out why she is not On the withdrawal of funds and told them that I want to cancel the email added to my account in order to get money because I work in profit sites from the Internet on a regular basis and this company send me money through PayPal, but you must enter the email in the account of PayPal in order to add money She told me that the president 's branch would be contacted and that a complaint would be made to solve the problem. I was told by a message from PayPal that when I looked at my email I received a message from PayPal telling me that I could not withdraw the money after 180 days. The money back if he wants to ed The funds are illegal in the accounts and did not respect the words that I tell you, and told me in the same number XXXX the case that tells the PayPal that I have been to allow the withdrawal of money These photos about the messages that I received from PayPal have been attached
In XXXX of XXXX, I had an insurance claim for water damage on my house. The repairs were inspected at 50 percent completion on XXXX XXXX XXXX as required by the mortgage company Selene Finance. After being contacted by Selene that funds would be released, those funds have NOT been released as of XXXX XXXX, XXXX and Selene will not provide a date for the release of the funds. I have provided Selene with receipts totaling over XXXX dollars out of my own pocket for materials. This has halted progress on the restoration of my house and is causing a loss of use as I do not have a functioning master bath or bedroom still. I have contacted Selene on at least 5 ( talking to a " supervisor '' ) occasions asking for an update and the only response is that Corporate is reviewing the request. If Selene does not want to issue timely disbursements then they should be paying interest to me for holding the funds.
XXXX XXXX XXXX contacted me around XXXX about a debt I owed to XXXX. They severly hurt my credit by placing this collection on all XXXX of my credit reports. I fought it the first time and it was removed. The same month it was removed, it reappeared on all XXXX of my credit reports under the nameENHANCED RECOVERY COMPANXXXX XXXX, FLXXXXHowever, they call my phone several times a day and the caller ID shows XXXX.They are harassing me.
They will not refinance my auto loan, but will refinance anyone who comes in from an outside company. This is discrimination and the company being greedy over money basically saying they will not help their own customers. And they would not lower it during the buying stage of the process either even though I doubled my down payment.
I went to XXXX and my credit card information was stolen. This was not long after I have 4 issues with my debit card so I thought credit card was safer. On XX/XX/XXXX {$270.00} at XXXX and XX/XX/XXXX {$280.00} and XX/XX/XXXX {$130.00}. I was shocked that the bank wouldnt fix this since it was not me. I am guessing it has to do with my debit card getting stolen first and I had 4 fraud charges there and one in XX/XX/XXXX for XXXX I gave up on trying since I cant believe this was happening to me. I asked them what can I do and they said. I reported these charges that were not me to the bank and they said we will temporarily credit it and look into it. I just found the charges are now back on my card and I guess they denied my claim. I have not clue what to do next since it wasnt me and my information was obviously stolen. Wells Fargo claimed to be helpful but I am looking into changing banks now. Just hate feeling like I have to monitor my account daily for new fraud charges and this sucks I am afraid to use both my atm and credit card because of all this in fear I will just get more and more charges racked up and they will blame me.
My current fico score is NOT accurate. I have paid all my credit cards to below 70 % of balances and these balances have not changed on the credit report nor has my credit score. Historically, I should be in high 600s. This past summer I was at XXXX. I have no late payments.
I received  XXXX  collection notices from AFNI Collections for debts that do not belong to me. This collection agency has continued to call my cell phone and has also called family members attached to iformation that they received from the internet. I am being harassed.