WillisBack/dataset-financial-user-claim huggingface dataset:
I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX U S DEPT OF ED/XXXX Account # XXXX Please resolve this matter as soon as possible.
They are calling family members and leaving threating message to show up on job with sheriff and supervisor or come to house with sheriff. I encouraged them to come on or meet at Sheriff office and to stop call me and my love ones and getting them up set.
Portfolio Recovery called my work disrupting patient care. They call around XXXX or before when I was very busy working for the patient when they call. My coworker gave me the name and return number. I work in a XXXX and somehow they found my department from someone. After work I called them back and informed them they cant call my work by the law.
On XXXX XXXX, 2015 XXXX XXXX XXXX placed an account for the amount of {$5100.00} on my credit report in violation of the Fair Credit Reporting Act. XXXX XXXX XXXX failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account XXXX XXXX XXXX is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.
In XXXX 2014, I unexpectedly lost my job and my wife was battling serious medical issues. We proactively contacted Citi mortgage and requested assistance with a home refinance or modification. The Citi representative informed us that we were not eligible for any home assistance because we had never missed a loan payment in ten years. The Citi representative told us the only way we could get assistance was to get behind in mortgage payments. In 2014, my credit score was XXXX. It took me ten months to secure out of state employment again and during that time we did fall behind on our home mortgage payments as we informed Citi would happen without assistance. We followed Citi 's advice and have been trying to get approved for a mortgage loan modification for almost two years. 
In XXXX, Citi wrote off the {$69000.00} second mortgage as bad debt because we were {$5000.00} behind in payments. We had been making some payments on the loan but stopped when a Citi representative told us it was n't necessary while the case was under review. We have been given inconsistent direction from Citi representatives throughout the entire process ( very frustrating ). I have been making payments on the first loan as best we could to show good faith, but have been waiting since XXXX for a decision on our loan modification request. 
We feel Citi is intentionally trying to foreclose on our home by preventing us from completing the loan modification process. We have provided them with all requested documentation numerous times only to be told something has n't been received or was n't completed properly. Each time we submit information, it takes several weeks to get a response and then they request us to submit the same information again. The current loan specialist assigned to our case is supposed to call weekly and has not called in the past two weeks. She has hung up on us during previous conversations when we press for explanations and does not respond to email requests for information. Trying to complete this loan modification process is causing XXXX and XXXX on us. We feel we have been unfairly treated by Citi, despite our good faith efforts to provide them with all required documentation. We are no closer to completing the loan modification after two years of effort. We want to keep our home but we need assistance immediately.
I CHECK MY CREDIT REPORT WEEKLY AND A FEW WEEKS AGO I NOTICED THERTE WAS A COLLECTION ON MY ACCOUNT FOR {$1200.00} FROM A XXXX XXXX XXXX ( XXXX ) I'VE NEVER EVER APPLIED FOR A LOAN WITH THE COMPANY I'VE ASKED EQUIFAX TO REMOVE THIS OFF MY CREDIT REPORT AND IT'S STILL ON THERE, I'VE CALLED THEM SEVERAL TIMES EVERY TIME I CALL THEY SAY CALL BACK IN 30 MINUTES BECAUSE THEIR SYSTEM IS DOWN. I LITERALLY CALLED THEM FOR A WEEK STRAIGHT AND EVERY DAY I GET THE SAME RESPONSE.
A tax Lien was reported improperly on my Transunion credit report by my counties tax assessor for non payment. The county says that they sent me notices for non payment but never did. The assessor says that they have no proof that any letters were sent and that the letters were not certified. The tax billhas been resolved since XX/XX/XXXX and no lien is reported to the state but shows on my credit file.
On XXXX, 2017, we purchased our leased vehicle from Chrysler Capital. As part of the purchase price, state taxes were collected. These were to be remitted back in order to pay the taxes due a time of registration of the vehicle. Upon sending the paperwork to our lender ( Bill of Sale, etc. ) a check should have been sent. However, it was not. My first phone call resulted in them telling me they would have to send an email to research it and it would take 3-5 days for a response. I called back, and was told the check was mailed to my bank. I called back again the next day ( after learning no check had been received ) and spoke to another person who indicated the check had not been sent. They sent me to the Office of the President. The next person I spoke to advised they would remit a check, to me, and overnight this. They advised they would call me to let me know once this was completed. I never received a call. I called back the next day, and was told they were " researching it '' with XXXX who was a manager. I then received a phone call back that indicated they mailed the check on XXXX to my bank. My bank has not received the check as of today. As a result of this, my ability to register the vehicle has been impacted and I have received a communication from my bank indicating they could call my note due and payable as I do n't have this registered within the required 30 day timeframe. In addition, I now have to pay penalties for a late registration. I still do n't have this resolved. Chrysler Financial has given me the run around for almost a week, has told me different information during every call and the matter is still not resolved. In addition, per the Missouri Dept. of Revenue, Chrysler Capital is not " authorized '' to collect taxes in this manner for the state of Missouri. When we initially talked to Chrysler, we were told they would remit the taxes to the State of Missouri, which they have not and are not authorized to do so in this state. Chrysler Capital held my funds for 25 days potentially, which is a complete contradiction as to what they stated they would do at the beginning of this process.
XXXX   XXXX  out of North Carolina is trying to collect on a debt that they state was charged off by  HSBC Card Services Inc    XXXX   XXXX     I moved from  XXXX  to  XXXX    XXXX   XXXX  . They have no legal right to threaten me with a law suit based on   XXXX   XXXX   six year Statute of limitation regardless of the type of debt. And  XXXX  has a statute of  four  years for all debts. I received the same letter from this law firm in  XXXX . And yet they are threatening me with a lawsuit and trying to intimidate me with a law suit. They are breaking laws and being a law firm they know this.
Navient is fraudulently claiming I owe money on 3 loans totally {$6000.00}. I have NEVER done business with this company ; I DO NOT owe them any money ; They REFUSE to stop negatively reporting on all 3 credit bureaus ; They REFUSE to correct my credit report, which is now negative SOLELY because of this fraudulent business! Due to my diligence and vigilance in trying to correct these erroneous errors on my credit reports, this alleged fictitious debt is remaining on my report ( though outdated ) because the clock keeps resetting itself. I have tried everything, short of a lawsuit, to prevent company from continuing to besmirch my reputation and ruin my good name and credit. I am extremely flabbergasted that they are still able to operate as a legal business as it is a known fact that they are fraudulent and have deceptive practices. I am asking for a cease and desist resolution that Navient cease all communications with me ; remove their entries on my credit reports ; and correct all erroneous data on my credit reports expeditiously.
I have disputed the late payments on this XXXX XXXX XXXXXXXX XXXX And XXXX   XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
I have a recorded phone call, XXXX XXXX XXXX XXXX  contacted me on Monday, XXXX XXXX, 2018 at XXXX on a cell phone XXXX. When I asked the representative to identify the company she refused. I never verified my identity. She stated she could not release the name of the company. I asked her not to call me, i told her this is a cell phone and she does not have the consent to call me, and she responded that she will not remove my number and they will be calling me again. I asked for a supervisor, the supervisor came on the line and released his name and the mini XXXX without me verifying any information. I told him to remove me from the list and that I will be sueing the company if they did not remove my number because it is illegal for them to call my cell phone without consent. He said he will not remove my number and argued with me about removing the number. When I said I would sue the company he responded " You have enough money for an attorney but you can't pay this little XXXX XXXX? '' Again releasing personal information to an unverified party.
I saw this on XXXX XXXX and disputed it please send me a letter and in that letter you asked to put in someone else 's information so that is violating HIPPA law IT has personal information of the other party so I tried contacting them and are they tell me was that they were sorry and they wanted me to send it back to them immediately. They were giving me the runaround I called the number that was on the letter apparently that was a wrong number to the routed me to someone else I 'm supposed to that person and I he tell me he was to send it back. They were being and uncooperated I told them that I was going to call the CFPB because it was a big violation that I thought needed to be reported. On the other bill it 's not even my first name is spelled A different way and I have no reconition of the account so I want it off my credit report. And as I was looking at it it 's over seven years old. The only resemblance that we would have is the address street fees XXXX just like mine but im in XXXXand she is in XXXX.
I recently applied for a Citibank double cash rewards credit card. They stated the apr ranges from 12.99 up to 24.99 based on your credit score. My credit score was very high. They approved my application and gave me an apr of 15.99. I was confused as to why I did not get the 12.99 score, considering my credit fico score was so good. I talked with management and they refused to tell my why it how this apr is determined. I feel this is fraudulent to advertise This low apt if 12.99 if you ca n't tell a consumer who is eligible for this and what the parameters are for determining the apr.
I have requested from ERC that they provide account-level documentation to me to verify XXXX accounts that this collection agency is reporting to the XXXX credit reporting agencies. This collection agency has not replied nor have they contacted me.
I received a limited time special rate to take advantage of a 2.99 promotional rate through XX/XX/XXXX billing cycle by using People 's checks ( which were attached ) or performing balance transfers. On the morning of XX/XX/XXXX I performed an online balance transfer from People 's United Bank to XXXX XXXX in the amount of {$1100.00}. In the afternoon of the XX/XX/XXXX I contacted People 's to cancel balance transfer. At that time I spoke to XXXX who informed me that he was unable to see balance transfer. I advised that I had confirmation of the transfer but he was adamant that he could n't see it and that it would take up to 2 business days to process. He suggested that I call back on Monday XX/XX/XXXX at which time People 's would note on the account that the wrong information was submitted and the transfer would be canceled. On XX/XX/XXXX I received an email from XXXX XXXX thanking me for my payment of {$1100.00}. I then contacted People 's and asked how the transfer had processed when XXXX had informed me the day before that there was no record of a transfer. The customer service rep ( XXXX ) said I needed to contact XXXX XXXX and ask them to refuse the payment. I then contacted XXXX XXXX and spoke with a customer service rep ( XXXX ) who informed me that he could not cancel the payment as the payment was coming in from a third party. XXXX indicated that only Peoples would be able to cancel transfer so I again contacted People 's and spoke with another customer service rep ( XXXX ) who advised that once People 's received notification of the transfer from XXXX XXXX, Peoples would stop balance transfer and waive fee, which would take up to 3 business days. On XX/XX/XXXX I again contacted People 's and spoke with customer service rep ( XXXX ) and advised him that not only is XXXX XXXX still showing a payment of {$1100.00} but People 's now shows an additional {$1100.00} on my balance ( the {$1100.00} transfer amount and {$44.00} transfer fee ). XXXX advised that he is unable to have money refunded from XXXX XXXX and that it is my responsibility to contact XXXX XXXX and have returned to Peoples. He further advised that once this has been done Peoples will gladly refund the {$44.00} transfer fee. Of course Peoples would refund the transfer fee if there is no transfer then there is no fee. The fact that Peoples advises that it takes up to 5 business days to process a balance transfer and the fact that they processed this transfer overnight speaks volumes as to how unethical this entire process has been. It appears that Peoples did everything in its power to lock me into this balance transfer and did very little if anything to stop it even though I attempted to stop it within the same day, which is unconscionable and appears to violate my right to rescind their offer within a reasonable amount of time, saddling me with their {$44.00} transfer fee.
We applied to Refi our current loan with Chase bank. So we can get a better interest rate. They told us we where approved, took our good faith money, and we even got our home appraised. They kept dragging the process on for about two months. I kept calling about every other day trying to find out what was going on. I finally I got a hold our loan officer, and she told us we were denied because my wife switched from XXXX and because she was receiving checks from a XXXX.
Capital Account Collections has re-aged this account. The Date of Last Activity on this account was on, or before,  XXXX   XXXX ,  XXXX . Texas has a 4 year statute of limitations. Capital Accounts is reporting the  DLA  on my credit report as  XXXX   XXXX ,  XXXX . I finally checked my credit report and realized that this was going on. On  XXXX   XXXX ,  XXXX  I wrote Capital Accounts and requested that they remove this fraudulent info from my account. They responded with a single piece of paper containing my name, an account number, Creditor, and a balance - NO DATE. The paper from Capital Accounts did n't even contain a date that the paper was generated! I responded on  XXXX   XXXX ,  XXXX  that this was a second notice of fraudulent activity under Tex. Civ. Prac. and Rem. Code  Section 16.004   ( a ) ( 3 ). Capital  Accounts has not responded and they are still reporting this debt to the credit bureaus. This is a violation of FCRA  Section 60  5 (  c ).
I get an account with XXXX Bank with XXXX balance who supposed to be closed on XXXX and still showing open with all my XXXX credits bureaus.
I have contacted Equifax the lovely company that put my information out to fraudulent people plus dealing with personal fraud on my credit that Equifax refuses to block according to FCRA. I sent a police report and identity theft.gov report to Equifax back in XXXX XXXX XXXX find me they received it and each month they would re-investigate according to what they say clearly they didnt and theyre not complying with blocking when you have been a victim of identity theft.
XXXX XXXX- XX/XX/XXXX showing 2 accts XXXX XXXXXXXX was originator - Complaints also filed with the XXXX and Texas Atty General - XXXX States that XXXX  in a letter /reply that this could be a HARDSHIP? 
Where they got this I will never now - I am worth CASH XXXX XXXX at XXXX XXXX XXXX has NOT responded to my ceritified mail XXXX was notified by writing and by phone - I demanded any and all documents - NOTHING via internet /mail or verbal XXXX XXXX XXXX - reporting 2 medical charge offs - I demanded written proof - I supplied them with documentation from XXXX XXXX XXXX XXXX - XXXX states there was NO DENIED CLAIMS all PAID IN FULL* I paid all deductibles at time of service or obviously they would not perform medical services * Conns Is reporting 2 accts paid and 3 accounts NOT paid in XXXX - I have NO accounts that are not paid from XXXX- XXXX  States they do not report anything over 4 year old yet they are on all 3 credit bureaus
iam disgusted why the CFPB have not requested from me my proof of paymant XXXX forms of proof no 1 XXXX paymants, no 2 international wire transaction no 3 cashed into wells fargo bank mortgage acount name XXXX { CASHED } acount in credit in excess {$8000.00} at the piont of refusal of monthly paymant saying acount closed in forclosure? Why have you not protected me against this fraudulent forclosure act, fraud and perjury committed by wells fargo bank [ mortgages ] you are not a consumer protection bureau
I mailed two seperate request to remove an address from my credit report. To date, TransUnion has not removed the wrong address.
I have been making on time payments with XXXX XXXX and it showing on all three bureaus XXXX, equifax and XXXX  credit reports in XX/XX/2018 multiple 30 day late payments. I would like these incorrect 30 Day late payments to be removed. I have reached out to XXXX twice this year, with no response.
I have been paying on this XXXX XXXX account for 3 years. I have paid faithfully. Now that the actual principal has been overpaid by me, I have offered to settle 2 times. Both offers of settlement have been ignored. The original debt was only XXXX and I have paid almost XXXX to this date. The debt Representative XXXX told me last YEAR that he would not stop the interest on my account unless he was able to contact me by phone every morning before I leave for work. XXXX told me he needed to check to make sure I was working even though I 'm a XXXX worker and only able to work part time. They garnished my daughters bank account last year and received child support. I have asked 4 TIMES for a WRITTEN financial account off fees paid to me mailed to me and XXXX refused. For some reason, these aggressive debt collectors falsely believe that unless they speak to me on my personal phone, then they are allowed to ignore me. Please help me.
The Amazon.com Store Card, provided by Synchrony Bank, does not explicitly tell the consumer that a fee is charged every month REGARDLESS of usage. My account was sitting idle and unused and I was not worried about it -- I had n't made a single purchase since opening. But come to find out when I log in a few weeks ago, I 've been getting charged {$1.00} per month, missing those {$1.00} payments so getting hit with late fees for all of them, and then all of those {$1.00} charges and late fees accruing interest. It 's totally wild for this to be happening on a card I have not used once and did not feel the need to monitor -- I have several other cards I do n't use, and this does not happen ... Synchrony/Amazon have reversed the late fee charges on my account, but the blemish is NOT gone from my credit report, and is still hurting me severely.
Bank of America has charged interest on my account immediately after my purchases. I was under the assumption that there is a required 21 day grace period.
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. Box XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX Opened XXXX XXXX, XXXX + {$550.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Offic Opened XXXX XXXX, XXXX + {$1800.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Offic Opened XXXX XXXX, XXXX + {$350.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Offic Opened XXXX XXXX, XXXX + {$350.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Offic Opened XXXX XXXX, XXXX + {$170.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Offic Opened XXXX XXXX, XXXX + {$1200.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Opened XXXX XXXX, XXXX + {$1100.00} Original creditor : XXXX XXXX  XXXX XXXX XXXX Offic Opened XXXX XXXX, XXXX + {$550.00} Original creditor XXXX XXXX XXXX XXXX XXXX FL XXXX  Offic Opened XXXX XXXX, XXXX + {$170.00} Original creditor XXXX XXXX XXXX XXXX CENTER FL The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX CT XXXX XXXX, XXXX XXXX, FL XXXX
I am being assessed a foreign transaction fee at Bank of America for the privilege of paying a bill to a company that is based in the XXXX but where the money is being paid to an account here in the United States. Whom do we talk to about protesting this fee?
This number is from Portfolio Recovery Associates , LLC, XXXX, AL. I had a missed call, so I called back. The automated response stated the name of the company ; whereas the phone number indicates Alabama. 
I do not owe any debt. My credit is clean. I do not wish to be contacted by this number.