WillisBack/dataset-financial-user-claim huggingface dataset:
I have had my credit card with XXXX XXXX XXXX for less than two weeks. I started making payments on the card after making purchases because I purchase more than my credit limit in a month. I accidentally put in the wrong account number from my financial institution and realized my payments were not going through. I called XXXX XXXX XXXX to inform them of the issue. After holding for hours and being transferred over and over and calling them on 5 different occasions they finally told me to call back at the end of the week after the payments have been returned. I called them today XXXX/XXXX/2017 and I opened my account with them in early XXXX. My payment still is not due and I have n't even received a statement because my account has only been open for a couple weeks and I was notified that they sent me to a collection agency and closed my account. 

I did not receive a phone call back or any written notice despite the fact that I tried to reach out to them multiple times and spent hours on the phone with them. I was the one that found out that there was an issue with my account information for my payment and I called them to notify them. I have been treated very unfairly and they have not responded to any of my inquiries and after promising to call me back I have not heard back from them at all. I am very upset with their treatment of me and with the overall lack of professionalism. It is extremely unfair that they have closed my accounts and sent me to a collection agency after I have been desperately trying to correct this as soon as I found out and that I received no notifications or anything. Again I have n't even gotten billed yet because my account is two weeks old. I am in shock that a company is allowed to operate in this manner and possibly mess up my credit score with no warning and within a couple of weeks of opening my account. I was transferred from one person to another with no one able to assist me and spent hours on the phone on hold.
I challenged a public record for a civil claim that showed up on my credit report 3 years after this was filed and then withdrawn. It only showed up after having my credit report pulled for a mortgage. When I challenged the accounts with XXXX and Equifax , XXXX removed immediately because they could not verify the information. The XXXX XXXX county courts do not verify or validate information with the XXXX reporting agencies at all. Then I challenged the public record with Equifax and asked for validation of their source and the information required by the FCRA to put such information on my credit report knowing that their is no record of this anywhere. Again Equifax ignored the request and the account is still on my credit report. Equifax sent back responses however they did not list the Judgment that was challenged, they only listed other items on my report. .They are violating my credit reporting rights and causing me financial distress while Im trying to get a mortgage. Please help me. I have attached a credit report that was pulled in XXXX this year, XXXX response showing they deleted the item, Equifax 2 responses that ignored or even listed they were reporting the judgment at all but as you can see they are.
I have told them several times that I have no way to pay this, and yet they continue to harass me. I 've asked for a deferment quite a few times, seeing as I 'm unemployed with no way to get a job, but they have n't done anything but demand money. Now, my grandfather has called me to let me know that now they 're sending him letters, saying they ca n't find me. They know my number, they send me bills all the time at my address. I 'm afraid they 're going to start harassing him like they have me and my family.
This is third time I have requested that XXXX XXXX XXXX, XXXX XXXX, substantiate their claims regarding information XXXX XXXX # XXXX transmitted to credit CRAs for me, XXXX XXXX , regarding a so-called account. Since reporting errors may be vis-avis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows that these companies complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from them to the credit bureaus should be deemed discrepant and may indicate desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.
On XX/XX/2016, I was informed that XXXX XXXX XXXX XXXX will have ownership of an unjustified debt that they claim I owe them. They never furnished me any documents from the original lender and assignees of the history and proof that they can collect on time-barred debt under the PA Statue of Limitations and FDCPA. 

I forwarded a debt validation within the 30 day period and both companies failed to respond within the time frame allowed under the Fair Debt Collection Practices Act. 

To date, I never contacted nor authorized XXXX XXXX XXXX XXXX nor Specialized Loan Servicing to pursue and force me into foreclosure when they can not fully, accurately, verify the debt in detail and all of the history of the alleged debt accusation. They have informed me via letter that thy are going to proceed with foreclosure actions should I not pay the entire amount owed within 15 days..normally a consumer under the FDCPA is given 30 days. This is another violation. In conclusion I never received a copy of the judgment against me.
Our home was impacted by Hurricane Irma, we reached out to our mortgage company Roundpoint for assistance, they provided Foebearance on the account where they deferred XXXX, XXXX and XXXX payments and in XXXX there would be a balance due for the the deferred amount including XXXX payment and if you were not able to pay the full amount they can offer further assistance for a modification review. I was not able to cover 4 months of payments so I contacted Roundpoint to advise would like to apply for the modification, I was able to resume monthly payments starting XXXX and have been making regular monthly payments since then, I was advised by Roundpoint that there was nothing needed for the review and my account would not have a negative impact due to the natural disaster. 
Well its XXXX now and there still no decision, Roundpoint has applied late fees and loan level advance fees for property inspections and has reported late to the credit bureau, I have reached out to Roundpoint regarding the matter they said they will adjust the charges and correct the credit report, as of today no adjustments have been made no correction to the credit bureau. 
My credit has been impacted on one of my credit cards with XXXX went from a credit score XXXX to XXXX where they lowered my credit limit on the card. 
When I call Roundpoint all they can advise me nothing needed its still in process Please I need help to get this issue resolved and the corrections that Roundpoint said they would do but have done nothing.
I opened a CC with Chase - Slate. I activated the card by transferring XXXX to the card. I live out of the country part of the year and have someone handle my accounts when gone. After being out of the country for XXXX weeks I returned and found that we had not received my first statement from Chase. I immediately contacted them explaining the situation, they indicated that they would send me a duplicate statement. I received this statement and made the required payment. Since that date i have received my statements without trouble. However I recently reviewed my credit report and Chase has me as not making these XXXX XXXX payment which has significantly lowered my credit rating. The Chase account now has a zero balance and they tell me that in that they did not get the statement returned to them by the XXXX they can not do anything about the credit report.
After losing my job in XXXX, I got behind on my $ XXXX/month mortgage payment. By XXXX, XXXX, I was three months delinquent. Around XXXX, XXXX, I commenced a temporary workout package with XXXX. For the next seven months I paid {$1.00} per month. On XXXX XXXX, XXXX, I called XXXX in response to a written notice and was informed on the phone that if I made payments on time for the upcoming three months ( the payments were about 90 % of a full month 's payment ), I would be eligible for a refinance and possibly having XXXX funds cover the arrears. During that XXXX/XXXX/XXXX phone call I made an electronic payment of {$2300.00} as the payment for the month of XXXX, XXXX, i. e., the first of the three trial months payments. About that time, Green Tree Servicing LLC became the loan servicer in place of XXXX, but I was unaware of it. On or about XXXX/XXXX/XXXX, at XXXX I called XXXX at XXXX XXXX XXXX XXXX to make the XXXX of the XXXX 90 % monthly payments. I was told by their representative that he could not talk to me about the loan because Green Tree had taken it over. The call lasted XXXX minutes. On XXXX/XXXX/XXXX, at XXXX p.m., I called Green Tree to make my XXXX of the XXXX monthly payments. I spoke with XXXX XXXX, and told her I wanted to pay the {$2300.00} over the phone. She said I could not and instead demanded aggressively that I pay the full arrears of about {$31000.00}. She would not let me explain that I had an agreement with XXXX. Finally she started asking me about my financial situation and my income. I asked her why and she said she had to fill out an application for me before she would know if I qualified for the same workout package that XXXX had given me. After taking my information, she said it looked as if I might have a chance to qualify for starting a new trial period that would last for XXXX 4 months. Then she said she would mail me the workout application package for me to complete. She told me I needed to get it back to them in about 3 weeks, and gave me a fax number to submit it to. She said it would be best to get it in by XXXX/XXXX/XXXX. This call lasted XXXX minutes. I did not submit the form. According to Green Tree 's monthly statements, the arrears are up to {$46000.00} as XXXX XXXX, XXXX. I have been setting aside the monthly payments in my bank account since Green Tree refused my XXXX/XXXX/XXXX payment. On XXXX XXXX, XXXX, I received a call from a Green Tree representative in XXXX, AZ. She asked if I had received the certified mail they had recently sent. I had not, I told her, so she explained that I had 30 days from the date on the letter, which she claimed was XXXX/XXXX/XXXX, to correct to the default by paying {$41000.00} within 30 days of the date of the letter. Or I had the opportunity to cure the default by making a workout agreement. If I did not cure the default within the 30 days, they might begin foreclosure thereafter.
My ATM card 's expiration date was XXXX 2014. When I did not receive my new card by mid XXXX Istopped in XXXX branches over the course of two weeks, XXXX XXXX XXXX, XXXX XXXX and XXXX. I never requested over-draft protection, but I received this letter rejecting my application. When Iinquired about this issue, the XXXX XXXX XXXX explained that over-draft protection isautomatlcally applled for when you renew your ATM card. I have never had this happen before and I'vebeen banking with you for at least eight years. I was also told that a credit check was not done, but that was not true.
Addendum to CFPB Complaint XXXX additional Kohls credit representative complaints : ( As CFPB does not allow modifying complaint once entered : ) After reviewing Kohls.com online payment documentation there were two additional problems in my interaction with Kohls credit representative on XX/XX/XXXX : Kohls credit representative said with full confidence that Kohls charge card payments only post same day in the local store up until XXXX XXXX. Kohls.com online documentation states payments will post the same day any time up until store close. Kohls credit representative said with full confidence that Kohls charge payments made the same day online, even before XXXX XXXX, will not post that same day. Kohls.com online documentation states that online payments made before XXXX XXXX will post that same day. The agent was a absolutely terrible representative for Kohls. I now have no faith whatsoever in any interaction with Kohls credit personnel, including supervisors. I think I have to go through CFPB on everything account related, to get a straight story. XXXX
I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code XX/XX/XXXXg - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX 11. XXXX XXXX XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX XXXX XXXX 14. XXXX XXXX 15. XXXX XXXX & XXXX XXXX 16. XXXX XXXX 17 Inquiries Name of Company Date of Inquiry Type of Business XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX I expect that you will provide verifiable proof as required under the 15 U.S. Code XX/XX/XXXXg - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!
I have always paid my mortgage automatically. However, when ditech took over my mortgage in XXXX 2016, my autopay was taken out incorrectly, replaced, then never corrected all without my knowledge until I started receiving collection calls. All prior payments and subsequent payments were made on time. I tried resolving with ditech over the phone over a couple months, multiple phone calls, etc. but the amount was wrong, there were late fees added, and the entire thing was a complete mess!
I and my hushband both recieved a credit report alerts from XXXX, reads. Credit report alerts. Equifax credit report. Dated XX/XX/XXXX, Updated tradeline. XXXX XXXX. Equifax. XX/XX/XXXX Buiness name/address. Buisiness. Type. Account type/Status. Balance XXXX XXXX XXXX. Affected by natural or {$1000.00} XXXX XXXX XXXX. Declared Disaster XXXX XXXX, SD XXXX XXXX called last Sat., XXXX and was told they could not do anything about it They just put this on because of all the disasters, we had NO disaster here.. 
Today I, XXXX XXXX called security at XXXX, and after hearing the same thing, that they just put it on just in case, and they could not remove it or do anything about it, this was told to me as she was reading their report that they sent, she then told me I would have to do whatever with Equifax that I could, This freezes your accounts, Last night on the news, this was on and told that it was freezing peoples account that have this show up on their credit report. 
XXXX never contacted us and now they say they can not help, they put it on but can not take it off. My XXXX XXXX ending in XXXX. This is happening to others with different banks, XXXX was the one on the news, they were contacted by a reporter, after a family could not get a car loan because this was on, and they recieved the same answer from XXXX, that we got from XXXX. 
It had frozen their credit, XXXX said they would take it off, but not XXXX, I told her they have no right to just put anything on your credit report, that doesnt have anything to do with us, and mess up our credit and have it frozen. 
After the reporter got in on it, XXXX said they would clear it. I told her if they did not take care of this now, I would cancel my cards and never do busy with them again. Our credit is in the XXXX, s worked hard to keep a great rating, now they can just add fake reporting just because they want to, XXXX does not have a balance of {$1000.00} with XXXX and I do not have that balance {$1000.00} either
On XX/XX/XXXX at XXXX someone spend {$1900.00} at 2 different XXXX one was declaine and the other was not. This was in a town about 1hrs from where I live, but that day I was working and I was on the other side of town about 2hrs from where this transactions took place at XXXX I try to put gas and my card did not work and then I started getting text messages saying to verify some of the purchases, with a yes if it had been me using my card or no if one or more transactions where not mine. I reply NO and called the fraud department, the lady that answer the phone said not to worry it was obvious that it was a fraud and that Ill get all my money back. I told her I need it that money back on my account because I had to close my house on XX/XX/XXXX. I got the money credit back to my account on the XX/XX/XXXX or XX/XX/XXXX then I got a letter saying that they had concluded the investigations and in their conclusion there was no fraud made in my account I called and had them re-open my account went and got a police report I called a few times to check on the status and all they said was we are working on it, till today XX/XX/XXXX i got an email saying they have concluded the investigation and I was still responsable for the {$950.00} of the transaction that was approved because apparently they had my card and my PIN number. I had never given my pin to anyone and I had the card with me all the time. This was with Bank of America I closed all my account with them already.
I was experiencing hardship and requested my mortgage company, Seterus to assist me in reducing my payment. I was always on time and current with my payments prior to my request for assistance. Originally, I was told that I did n't qualify unless I was late with my payments. I was told that I must be late or delinquent with my payments before they would consider my case for approval. I submitted a letter which detailed my hardship. I expressed that I am responsible for my debt and I want to pay my payments on time ; however, I foresee it becoming very difficult to maintain all accounts as I was operating with a negative balance. My payments were lowered for a temporary period until the loan modification was complete. My original payment was apprx. {$1600.00} and my payments were lowered to apprx {$1200.00}. I paid these payments directed by Seterus, on time during this period ( 10-12 months ) before the modification became final. I recently ran my credit score and my XXXX shows that I have been late 6 months, which is incorrect. Seterus report my account late XXXX. I was never late. I made the temp mod payments on time and continue to pay my mortgage on time. I have paid my mortgage on time since I bought the property in XXXX. I filed a complaint through the credit bureau challenging the information they have posted on my account. My account lists as a FHA and conventional loan. Unsure if it is reported correct.
I received a letter on XX/XX/2018 stating that I must respond and begin making payments on my federal student loan or it would go into default status. I called within the first 30 days of the allowed 60 days and they told me that my loan was already in default and to " disregard the wording as it is their general welcome-letter ''. They then took some information from me and stated that I would need to pay a monthly amount of {$78.00} for 9 months for my loan to be taken out of default status. The entire loan amount equaled {$7300.00}. I agreed to the monthly amount and asked if I could make the first payment but they asked me to wait until I received another letter for them to begin making payments. 

While I was waiting for their letter they began calling my employer and my employer transferred the call to me. I immediately asked them never to contact my employer and only to contact me on my cell number. They agreed, but then stated my new total was {$9200.00} and I would now be required to make a monthly payment of {$750.00} per month. I told them this was not feasible for me and asked why my monthly amount jumped 10x that of their last quote. They said it was because I was married and my husband made the same amount of money that I did. I asked then why the payment wouldn't just double to {$150.00} and they couldn't tell me. At this point I asked them again to only contact me via my cell number and I called my attorney for advice. She advised me not to speak to them and to allow them to send a letter on my behalf. 

A week later I began receiving calls from them again directed to my employer. I spoke to them and reminded them that I expressly asked them never to contact my employer, that I had never given them the name or number of my employer and that they were jeopardizing my employment by doing so. They then pressured me to give them the name and phone number of my attorney and I said I didn't feel comfortable doing so and that all information would be clearly presented in the letter presented on my behalf.
As a consumer on multiple instances I have written several letters to all 3 credit bureaus, exercising my rights as they pertain to the FCRA section 15 U.S.C. 1681g I have simply requested original hard copy documentation, fully and totally verifying that all negative items being reported on my report belongs to me, who verified these items? What methods were used in verifying these items? Also where is the physical proof of a contractual obligation with my signature on it? They have failed to provide those documents as well as allowing the negative items to remain on my credit report after several letters damaging my credit worthiness. The items therefore should have been deleted Under section 611 ( a ) ( 5 ) ( A ) ( i ). XXXX, Equifax as well as XXXX   are all in violation of the FCRA ...