WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX has violated 15 US 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus
Card got behind the company closed the account and its marked charge off and they sent me a XXXX for my taxes.
To whom i t may  concern, I faxed over a multiple inquiries letter  XXXX   XXXX ,    2017  and  XXXX   XXXX ,    2017  in order to dispute information, in regards to over  XXXX  hard inquiries that was placed on my credit report. They received the letter the same day since it was faxed. They completed the request  XXXX   XXXX ,    2017.  The request I submitted was over  XXXX  hard inquiries that were not factual and I received the same response, " according to the FCRA rules, fcra  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ),   it states that any information can be disputed and MUST be investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The face that I received a response in 4 days after I faxed over my letter, one can assume that there was no investigation. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries being removed that does n't belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.
XXXX, Transunion and XXXX will not show me proof of validation of a bankruptcy showing on my credit file. I have disputed with all 3 bureaus multiple times and they still will not show proof. And I need something done about this especially when they will not validate proof
I have tried to contact this company numerous times to pay my debt, but there is no XXXX answering my calls or emails. This business seems to be closed, but I 'm unsure. I also need to know who to pay my debt to so I can close my accounts.
TO : Synchrony Bank XXXX XXXX XXXX  CC : Comptroller of the Currency, Customer Assistance Group Consumer Federal Protection Board RE : Cash Back Program and lost check in the amount of {$250.00} Account No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX On XX/XX/XXXX, I inquired at my local XXXX XXXX XXXX in XXXX, GA, XXXX to my XXXX XXXX XXXX Cash Back check for XXXX. I was informed that the Cash Back checks were likely mailed in XX/XX/XXXX, and I was instructed to contact Synchrony Bank ( the Master Card and Cash Back Servicer ) as I had not received said check in the mail. I called Synchrony Bank and was initially advised that the check was mailed and cashed. I indicated that I had not received nor cashed the check and asked they confirm that the check was cashed. After a long wait on hold, the bank person said that the check was not cashed after all. However, it would not be re-issued since the expiration date of the check had passed. If I owed Synchrony {$250.00} and I mailed a check payment that got lost in the mail, they would demand that I send them another check. 
I explained to the Synchrony representative that I was away from my residence and out of state during the whole month of XXXX and the first half of XXXX, having stayed in Colorado with mail on hold at the Post Office. When I returned home I was not aware that the Cash Back check had been mailed. It was not in our Hold Mail. Then in XXXX, my wife 's brother died in XXXX, IN, and we were required to attend to his estate matters and remained in XXXX. Consequently, we were gone from our Georgia residence and out of state for nearly five months. During that time, my monthly payments were made to Synchrony Bank automatically and without my review of the monthly statements since we did not have our mail forwarded to us and did not have Internet access at his address. Our Georgia neighbors collected our mail during our absence. Since our return in XXXX, I have been catching up on all my financial affairs. 
I believe the response by both Synchrony Bank and XXXX XXXX XXXX is without goodwill and without effort to understand the issue that I have presented in this letter. As noted, the Cash Back check was never cashed, so I can only assume it was lost somewhere along the way during my absences from home. I have a spotless long-term history with XXXX XXXX XXXX and Synchrony Bank. This may end as I see no reason to continue a relationship that is not mutually beneficial. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
Hello, my complaint is in regards to my Transunion Credit Report #  XXXX . I accidently sent Transunion an original docume nt ( Ban kruptcy #  XXXX  ), currently reporting on my Credit Report.   XXXX  I sent the document in  XXXX   2017 . The remaining information is in the uploaded document.
I am trying to get a loan through a XXXX XXXX but TD bank is blocking me from enabling external applications. I would like to access my financial data.
My mother and I had linked accounts with Chase Bank, her acct got hacked and they froze both of ours. Then they ( Chase ) emptied out her account and most of mine to hold her liable for the fraud that happened. She and I have tried numerous times to contact the fraud department to find out what the status is and no one is giving us any answers. This has been going on for 2.5 weeks and there is still no update on anything. The woman who 's information I was given seemed to be the one who would know something about this but she has not answered the phone once in the two weeks I have been calling. The bank is supposed to let us know something within 10 business days and I have heard nothing. My paycheck got sent to Chase, instead of my new account at a different bank, and now I ca n't access my paycheck for my upcoming bills.
I am no longer disputing XXXX XXXX and XXXX XXXXXXXX Account.
I requested an investigation from the credit bureau twice for a mistake on a delinquency. My credit report states the account had been paid and closed on XXXX/XXXX/2014. However, it also states the account has been transferred to another office. When I contacted the company that I had the account with they state its has been paid in full and is closed. I have been disputing the issue for a couple years now. The credit bureau made a remark stating that the investigation has been completed and that I disagree with them. Yet no one can give me the information on this mysterious " office '' that now has my account which was already paid in full and closed. Please help, I dont know what else I can do. Fixing my credit is very important to me. Thank you
During the month of XX/XX/XXXX, I submitted an electronic dispute to Trans Union via their dispute link on their website for this problem. It was submitted and I knew it would be resolved since this is such an old account from over 10 years ago. 
I additionally submitted a hand written letter on XX/XX/XXXX via certified mail with a tracking number and it shows that Trans Union received my letter and it's contents on XX/XX/XXXX. 
It is now XX/XX/XXXX and the discrepancy has not been updated or removed as originally submitted last year. It has been well over 30 days as stated in the Fair Credit Reporting Act and I am submitting a complaint into this with the Consumer Financial Protection Bureau for their assistance in resolving this matter as soon as possible since it is still hindering my credit from progressing.
I have a loan with BMW FINANCIAL SERVIC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and BMW FINANCIAL SERVIC with no successful resolution. XXXX  was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2016.
LVNV FUNDING LLC, is attempting to collect a debt for a credit card with XXXX XXXX Bank that is not mine. This is showing on my credit report as a derogatory mark.
To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s )  listed below are as follow : Have enclosed a two bills ***PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX BEEN LIVING THERE SINCE XX/XX/XXXX THESE ADRESSES ARE MY OLD ADRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX   XXXX , FL XXXX Old number and is no longer mine : XXXX *****MY CORECT NUMBER XXXX CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. 

XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
The credit bureaus did not verify the accuracy of the XXXX XXXX XXXX account and continues to report wrong payment histories, high balance wrong amounts, incomplete account number. I am being treated entirely unfairly and my credit rights have been violated. Please delete this report as these credit bureaus are not complying with the FCRA timelines for investigation or accuracy of accounts.
There are XXXX collection accounts listed on my XXXX, XXXX, and XXXX credit reports. XXXX collect accounts list, I C System, as being the collection agency. I C System is not licensed to collect on debts in the state of Michigan. Therefore I am disputing XXXX entries.
In XX/XX/2018 my mortgage was transferred to Mr. Cooper for servicing. My mortgage was on auto-payment with the previous servicer, that charged my checking account on the first of every month. On XX/XX/XXXX, I logged into my mortgage account at Mr. Cooper to see if they would continue with the auto-payment. My account showed no auto-payment for XXXX and indicated the next auto-payment would be XX/XX/XXXX. To make sure that my payment was on time, I made a manual payment to charge my checking account at XXXX. On the night of XX/XX/2018, my XXXX account was charged twice- once for my manual payment and an auto-payment from Mr. Cooper XXXX 

I called Mr. Cooper on XX/XX/XXXX to see what could be done and the Service Rep got a rep from XXXX on the phone. After some discussion, it was decided that the best course of action was for me to place a stop payment on my account for the mortgage payment and resubmit the payment later in the week after lifting the stop payment. I would be charged a {$30.00} overdraft fee by XXXX, but I was okay with that. The Mr. Cooper said there would be a {$20.00} returned payment fee, but she would be happy to waive it. 

The fee was not waived and was charged to my Mr. Cooper account. I am not sure of the exact date, but sometime in mid to late XXXX, I called Mr. Cooper and explained what happened and ask to have the fee reversed. The rep said that they would submit the fee for reversal. 

During the week of XX/XX/XXXX, I noticed the fee had not been reversed and called Mr. Cooper. The service rep apologized and said she would make sure the fee was reversed. 

Today, XX/XX/2018 I logged into my Mr. Cooper account and saw that the fee still showed in my account.
I have submitted several disputes through all 3 credit bureaus-XXXX, XXXX  and XXXX. Navient is reporting my student loans ( 8 in total ) as 90 days past due for the XX/XX/2016 payment, but the XX/XX/2016 and XX/XX/2016 payments are both showing current or paid as agreed. The response from the investigation is verified. It is impossible to be current in one month and the next month be 90 days past due and Navient refuses to make the correction. This is impacting a total of 8 loans and has had a negative impact on my credit score.
I returned to school for a semester after graduation and first, my in school deferement was not processed until XX/XX/XXXX, despite a XX/XX/XXXX start date. ( This, in and of itself, could be a complaint ) Because I was still receiving bills, I made the payments in order to avoid complications and disputes later down the line, especially after reading about how little help people have gotten even when they did make payments on time. 
Then I received a letter in the mail saying my loans were deferred from XX/XX/XXXX until XX/XX/XXXX. On my account, however, there was interest showing up on the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments, and they ranged from {$9.00} to {$27.00}, depending on the month. Because I have since moved abroad and it 's taken me a while to noticed this discrepancy, I could not call and instead emailed them. I got two seperate emails that were automated and directed me to their FAQs page. I was asking specifically about a specific case that had to do with my account, and was instead given an automated reply, twice. 
Because I finished my courses in XX/XX/XXXX ( it was XXXX, so the seminar went slightly into the second semester of XXXX school year ), I figured I would need to begin repayment on my loans again. Receiving no bills made me nervous, but everything on my account said my loans were deferred until XX/XX/XXXX. Knowing this should n't be the case, I simply paid the exact monthly amount on XX/XX/XXXX. When it processed, it suddenly was showing up as only a portion of my principal paid off, with a huge chunk going towards the interest. When I logged into my account on XX/XX/XXXX, my loans were no longer in deferment, no notice made. There was a complicated calculation on XX/XX/XXXX that I will assume was from the date they decided my loans were n't in deferment anymore. Still no bill for the XX/XX/XXXX payment that I was charged interest for. Because I only have subsidized loans, and they were still in deferment when I made the payment, there should be no interest accrued, and therefore none of the money paid should be going towards interest ( since there was none on that date ). I emailed them again, this time making it explicitly clear that I need a human being to personally respond, even if only to tell me that these things can not be processed over email. This time, I received a " we are processing your email '' automated email, but still no follow up, automated or otherwise. At the moment, I have well over {$100.00} tied up in " paid off interest '' that should be going towards my principal, because there should n't have been any interest accrued during the time I was making those payments while in deferment. Customer service is actively not reachable via any means other than phone, despite there supposedly being email as an option.
Nelnet is my servicer for my student loan for my XXXX studies. My account number is XXXX. I took 2 loans out to pay for my XXXX {$20000.00} and {$12000.00}. Due to financial hardship over the last few years, I have had to defer my student payments until my divorce is final and get back on my feet. Recently, I received a notice that I was late on my student loan??? I thought I had a deferment. I look at the website and my deferment was denied in XX/XX/XXXX. I never received this letter. I called NelNet and got an excellent representative XXXX. She explained what Nelnet had done to me since XX/XX/XXXX.  Nelnet has been capitalizing the interest on my principle since XX/XX/XXXX. This now makes my {$33000.00} principle increase to {$37000.00} which I am now paying/accruing interest on. This was done without my knowledge. This was not explained to me. XXXX explained it did not have to be explained to me but now the Department of Education mandates that borrowers need to be told that deferments or forbearances will the capitalized interest and become part of the principle. Now, I am PAYING INTEREST ON TOP OF INTEREST. Who is making this extra money? I am in a hardship situation and the lender or servicer is gouging students with this usury type practice. On XX/XX/XXXX, I had an admin forbearance prior to deferment that capitalized interest. On XX/XX/XXXX, I had a grace period deferment that capitalized interest. On XX/XX/XXXX, I had an admin forbearance that capitalized interest. And now on XX/XX/XXXX, I will have a forbearance deferment that will again capitalize interest.
Over 2 years ago, I set up payment arrangements on an old credit card debt. A condition of the payment arrangement was that the payments be automatically deducted from my bank account. For over 2 years, MCM has taken {$150.00} out of my account on the XXXX of each month. In XXXX, 2018, I received a notice from MCM ( XXXX XXXX XXXX XXXX that I was in default for not having made my XX/XX/2018 payment. I checked my bank account and had had more than enough funds on XX/XX/XXXX for the payment. For whatever reason, MCM did not process the payment. I contacted MCM on XX/XX/XXXX. At that time and in the letter, they told me I was in default and a judgement was being entered against me. I reiterated that it was their error, not mine. They informed me that I would need to pay the " default '' and only then would they agree to reinstate the payment plan. They also stated that it was " already filed in the court ''. I explained to them that I have my payments auto debited and whatever funds I have remaining at the end of the month is what I know I have to spend on food and gas, etc. They acknowledge that they made the error but refused to resume the payment plan beginning the next scheduled payment ( XX/XX/XXXX ) unless I paid them {$300.00}. They are refusing to re-establish a payment plan because " I '' defaulted on the loan when in fact it was their error, they acknowledge that it was their error and they don't care that because I have my payments automatically withdrawn from my account that I know that at the end of the month, whatever funds are remaining in my account are funds available to me for life 's necessities. They have refused to reinstate the payment plan and said a default judgement is being filed against me. I asked repeatedly to be transferred to an attorney which initially they refused to do because " all of the attorneys are in a meeting '' and I asked to be transferred anyway at which time they told me that there wasn't a phone for the attorneys. I became irate and they finally said they would transfer me to the attorney. The message on the attorney 's line was " to leave a message for me, please call XXXX. '' That number ; however, is the number for MCM. MCM has acknowledged that it was their mistake. I am more than willing to resume the payment plan beginning the next scheduled payment but they have refused and said a default judgement is being filed against me.
This account has been disputed on several occasions since early XXXX. XXXX, XXXX and XX/XX/XXXX this XXXX XXXX Account has been disputed with Equifax. The account comes back verified, but I am not provided any information as to how the account t has been verified. I have reached out to the company XXXX XXXX in several occasions with no success on any resolution. XX/XX/XXXX the XXXX XXXX  account was challenged through equifax to provide verification. They opened the account, when the account has been closed since XX/XX/XXXX and then closed the account.
Greetings, I have initiated a multiple disputes with XXXX  XXXX XXXX over the past few months to DELETE / REMOVE any reporting in regards to the unauthorized Charge-off account they have failed to prove belongs to me. It is also the responsibility of EQUIFAX and XXXX to report accurate accounts/information on personal credit reports per the Fair Credit Reporting Act. I have provided all requested documents to EQUIFAX AND XXXX including my filed Identify Theft Police Report and proper identification to get this issue resolved. I have also reached out to the creditor " XXXX XXXX XXXX '' but they have failed to respond and prove/validate contractually the charge-off account belongs to me within 30 days. Below is the reporting account that should be Removed / Deleted from my EQUIFAX AND XXXX credit report. Also attached is a copy of my police report for your records. 

XXXX Reporting Charge-off Account : XXXX XXXX XXXX - Account # : XXXX DATE OPENED:XX/XX/2015 STATUS : CLOSED EQUIFAX Reporting Charge-off Account : XXXX XXXX XXXX XXXX Account XXXX : XXXX DATE OPENEDXX/XX/2015 STATUS : CLOSED Should you need any additional information please let me know.Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX
I have reached out to Equifax to get some unauthorized accounts that do not belong to me off my credit report. They have failed to remove them.