WillisBack/dataset-financial-user-claim huggingface dataset:
My last payment to XXXX XXXX was, by their records, XX/XX/XXXX. Therefore, the account would have been 30 days late on or about XX/XX/XXXX. They did not charge-off account until XX/XX/XXXX. My date of first delinquency should have been the date I made my last payment ( XX/XX/XXXX ) and should be erased from my credit report. XXXX XXXX is using the charge-off date XX/XX/XXXX ( almost one year after I made my last payment ) as the date of first delinquency, and therefore this negative account is scheduled to remain on my report longer than it should. I have disputed this repeatedly with Equifax and XXXX XXXX, providing both the account payment history XXXX XXXX provided me.
I am responding to the recent response by USAFUNDS and XXXX XXXX. USA Funds did not respond to my statement that they have not entered disputed on my credit reports and that is illegal USA FUNDS is not doing this, and they need show proof that they have been doing this.
I currently have a dispute pending with Transunion and for some odd reason they have placed me in the priority department that has no direct number and when I leave a message multiple times they do n't return my call. If I 'm not mistaken its illegal to have a department without a number. Not to mention I have multiple inquires on my account that I did n't not authorize at all. I would like these inquires removed immediately. No one from the overseas call center or the United States call center has been able to assist because my file is locked. This is very frustrating because the inquires are a result of someone using my name. Transunion told me I have to contact the creditor and that 's FALSE according to the FCRA. The must provide me proof that I authorized these inquiries. I do n't want a computer generated answer back either. I 'm tired of wasting money on certified letters.
Myloan care used to be my mortgage servicer. They stopped servicing the loan in XXXX 2015 and I didnt realize that until early XXXX 2015. My payment was made thru online bill pay at XXXX to them, instead of going to the correct, new servicer which is XXXX XXXX. I 've spoken to XXXX care multiple times, sent numerous emails asking that they refund my payment because it rightfully should have been sent and received by XXXX XXXX. They have been non-responsive to emails which they were supposed to respond to within 10 business days. I filed a ticket # with them Ticket # XXXX and sent proof to them back in XXXX showing where my payment had been made to them and they said they 'd research it and give me a refund. It is XXXX and still no refund. The XXXX check was for XXXX. I have also filed a ticket with XXXX and proof of payment made from my checking account is : For XXXX XXXX {$2900.00} Reference # XXXX and old account # XXXX ( mortgage account # with myloancare ).
I AM EXTREMELY FRUSTRATED WITH THE FACT THAT XXXX XXXX XXXX IS ALLOWED TO CONTINUE TO VIOLATE MY FCRA section 623.They are reporting my credit history inaccurately on purpose is a clear violation of RIGHTS.US Court of Appeals XXXX   XXXX , XXXX XXXX- XXXX, XXXX vs. XXXX XXXXBy allowing them to keep using {$1.00} increments to keep re aging this unverified accounts its totally wrong and has been going on for months. I HAVE SENT DOCUMENTS DIRECTLY TO THEM I HAVE FILED XXXX   COMPLAINT, MULITPLE CFPB COMPLAINTS, AG COMPLAINT. THEY HAVE RE-AGED THESE UNVERIFIED ACCOUNTS MULITPLE TIMES OVER A 6 MONTH-12 MONTH PERIOD. AND I HAVE PROVEN THIS OVER AND OVER WITH ALL 3 BUREAUS. XXXX HAS DELETED 2 OF THE ACCOUNT. AND LEFT 1 WHICHI IS THE SAME ACCOUNT NUMBER. XXXX AND EXQUIFAX KEEPS ALLOWING THE VIOLATIONS TO OCCUR EVEN AFTER I HAVE PROVIDED PROOF OF THESE VIOLATION. I HAVE PROOF THAT BOTH XXXX AND EQUIFAX BOTH SAY THEY HAVE VERIFIED THAT THE INFORMATION IS ACCURATE. ITS A VIOLATION AND THIS ILLEGAL. They Re-Age your account by reporting the date of the last activity instead of the date of the first delinquency. Consumer Protection afforded by the FCRA {$1000.00} FCRA Section 605 ( c ). Clearly you are not paying attention to the actual paperwork. LOOK AT THE DATES OPENED? LOOK AT THE ACCOUNT NUMBERS? LOOK AT THE UPDATED INFORMATION? REFINANCED? HOW IS IT REFINANCED AND ACCOUNT CLOSED AT THE SAME TIME? HOW DOES A LOAN GO FROM XXXX TO XXXX? HOW DOES A LOAN GO FROM BEING PAID AND CLOSED TO NOW OWEING XXXX? IF YOU WOULD LOOK A THE DOCUMENTS AND NOT USE YOUR XXXX SYSTEM YOU COULD CLEARLY SEE ITS INACCURRATE AND THEY HAVE BEEN ALLOWED TO REPORT THIS CAUSING ME MAJOR ISSUES!!!!! IM SHOCKED. 
It is the duty to provide notice of dispute.If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer, As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I AM A REAL PERSON NOT A CREDIT REPAIR COMPANY! THIS HAS DIRECTLY AFFECTED MY LIFE IN MORE WAYS THEN 1. I HAVE ASKED FOR HELP IN MAKING THIS RIGHT.
I have been a homeowner in my current home for approximately 10 years. Every year I have always paid my property taxes. I have never had a escrow account and it was never in my loan documents for me to have an escrow account. My county issue our tax bill in the month of XXXX. It is due in XXXX installments which is in XXXX and then again on XXXX XXXX. This year as in previous years I plan to pay my bill prior to the XXXX XXXX deadline. When I went to pay my taxes on XXXX XXXX, 2016, I discovered that the taxes had been paid and I did not know how or why. A week later I received a letter from Bank of America stating that starting XXXX XXXX, 2016, I would have to pay over {$2400.00} a month because they had paid my taxes on XXXX XXXX, 2016 and open me up an escrow account which I never had and did not want. I called them and advised them that I had the money to pay my taxes and I did not want Bank of America to pay my taxes. I paid them the amount they had paid for the taxes but the refused to put my payment back to the original amount of {$1600.00}. They said I would have the pay the {$2400.00} for a year and then they would review my account at the end of the year. I advised them that I could not make these increase payments because I am on a fixed income and my taxes had been paid which was only {$3800.00}. I advised them that all taxes they had paid was paid by me and now the escrow account that they had open was at a {$0.00} balance. They still refused to put my payment back to the original amount, even after talking to several of their employees who stated if the escrow amount was at {$0.00} my payments would return to the original amount.
I sold Litecoin and Ethereum on Coinbase on XX/XX/2018. I sold {$30.00} Ethereum and {$53.00} Litecoin. Both amounts were supposed to go into my XXXX XXXX account ending in XXXX about a week after XX/XX/XXXX. It has been almost a month and I have not received any money. I contacted my bank and they said they have not received any deposits from Coinbase. They told me to contact Coinbase and tell them to file a claim. Coinbase told me they will look into it and put a " specialist '' on my case. I have not heard from them at all. I have proof of all transactions and proof I have not received my money. Thank you for your help.
In XX/XX/XXXX, I received, in the mail, an application from American Express for their credit card. On XX/XX/XXXX, I received an email stating AMEX was unable to approve my request due to my credit freeze on my credit file. On XX/XX/XXXX, at XXXX PST, I called AMEX and provided AMEX with my PIN and the agent informed me that she was successful in " unfreezing '' my credit file. The agent informed me that everything looks good and that I would receive a call back within XXXX hours regarding approval or status of my application. No phone call was ever received. On XX/XX/XXXX, I received duplicate letters from AMEX stating they could not access my frozen credit file. On XX/XX/XXXX, at XXXX PST, I called AMEX and was informed by AMEX that they in fact have my PIN, was able to access my credit file and apologized for the confusion on AMEX 's behalf. I was assured that I would receive a decision in 5 working days or on or before XX/XX/XXXX. To date, ( XX/XX/XXXX ), I have not received anything from AMEX regarding their decision. I would call AMEX a XXXX time and provide my PIN but I am reluctant because I sense evasiveness and a lack of transparency from AMEX. I had no choice but to contact CFPB and attempt to resolve this matter.
I notifi ed American Express that i  have been a victim of Identity theft as soon as I found out. It was on  XXXX / XXXX /   2016  when I notified all  XXXX  credit bureaus with affidavits from my lawyer and a police report. They did n't remove it from my report which I requested. As of a month ago I sent another affidavit asking for the original contract signed stated by the Fair Credit Reporting Act  section 609 ( a ) ( 1 ) ( A ) that they are required by federal law to verify through the PHYSICAL verification of the ORIGINAL SIGNED Consumer contracts. I currently live in TX which by law in order to collect they must be bonded with the Secretary of State in which American Express is  not. I am demanding that the credit card of a balance of {$1500.00} be removed immediately. Thanks.
I am a long time customer of Capital One - have XXXX of their credit cards. Because I am applying for a mortgage, I used their App to check my FICO score. Although their App says XXXX, that is not the case. Regardless, its lower than it should be ( around XXXX ). I determined that the lower FICO score was because of an unpaid transaction to Capital One. The dispute is regarding {$7.00} due to XXXX. However, XXXX says my balance is " XXXX ''. Months ago, I switched my autopayment from Cap 1 to a XXXX XXXX. So I do n't know how Cap 1 determined I have an unpaid balance when the vendor, XXXX says otherwise. I conducted an online chat with both parties to determine what 's going on, and later spoke to a Cap 1 representative by phone. Because the difference in mortgage interest rates is massive, I went ahead and paid the Cap 1 bill and that payment should be processed in a few days. However, it might take 30 days or longer to have the correction updated in the XXXX major credit bureaus. I need to have an accurate FICO score immediately. Can you help?
A TJ Maxx credit card issued by Synchrony Bank at a Homegoods store in XXXX XXXX, NY never handed me any term and conditions. They used my driver 's license for me to apply. They then gave me a shopping pass with no other related information. 
I used the temporary shopping pass and a few weeks later moved. I called them to let them know I never received a card or terms of agreement so I did n't know when it was due or what the interest rate was. I had them update my new address and take payment. The payment was only XXXX day late, but since they had a note that my mail had been returned and was being forwarded to a new address, they removed the late fee. They gave me information saying my payment was due the XXXX of each month. 

I called to make a payment yesterday, XXXX XXXX, 2014 around XXXX after I returned home from working and their phones were not ringing, but making a strange sound. I tried several times to call and gave up. Today, XXXX XXXX I called this afternoon only to find out a {$25.00} late fee was assessed. I was informed it was due on the XXXX and now they changed it and said it was due on the XXXX and that there was no grace period. It had n't even been XXXX hours since I tried to pay and they 're saying I have to pay the late fee and that they can not reverse the late fee because they did it before. I explained the XXXX part was their error, but she said she could not do it.. I only had a {$28.00} balance and now it 's {$53.00}! Because they gave me wrong and confusing information and because they give you absolutely no grace period.. Not even XXXX day. They also said I signed up for paperless statements when I did not. I searched my email up and down for a half an hour and there are no emailed statements! What a load of XXXX. So this whole time I never even received XXXX statement. I still have no idea what the interest rate is. I called later in the day to speak with a supervisor and they were no help and blamed me for the whole thing. She absolutely refused to reverse any fees. 

This is so unfair and I and struggling financially right now and ca n't afford to unfairly pay a greed-driven, unwarranted late fee. It was n't even XXXX hours late. I need help this is so unfair. I do n't have an address for them, but their phone number is XXXX. 

Please help, thank you for anything you can do. - XXXX XXXX
We were supposed to settle on a house four different times first in XXXX two different dates then it got pushed to XX/XX/XXXX then moved to thr XX/XX/XXXX. Then it all fell threw we paid out XXXX $ for an appraiser for this house an were never eligible for the house from the beginning because of the type of loan we have we ca n't have over 10 acres an it did. Our loan officer " did not know this ''. We have tried everything an to get this money back he said he could n't do that but there 's no reason for so because we were n't able from the beginning to get it. Amung many other things that happened an lies my finances an I were told by this man that was supposed to be looking out for us an getting us into a house but never did he packed the whole house along with XXXX kids an had to unpack now because it all fell threw. I need a phone call from someone immediately.
I checked my credit report on XXXX XXXX and it states I have a Capital One bank account with a limit of $ XXXX that I never opened in XXXX. I 'm born in XXXX. I never had a bank card at XXXX Someone has hacked my identity and I never noticed until now. I do not have a bank account with Capitol One. It is stolen identity.
i had phone service through XXXX,8 lines to be exact, i was a XXXX customer for about 12 years at the time.our service was interrupted for some technical reason, i was told it was a down tower.the problem was we had absolutely no service at all and our business suffered for approximately 4 days.we had to drive 13 miles to be able to place or receive calls.i reported the problem and was told it would be corrected quickly.it was not so i cancelled all services and went to another carrier.i have saved the email correspondence between myself and XXXX.they still put it on my credit report and it almost prevented me from purchasing my home in 2014.my mortgage company informed me that in order to finance my home, i would have to write a check for this debt at closing for the home purchase.i then remembered about the emails and forwarded to the underwriter who then decided i did not have to pay this debt since it was not my fault.i puchased my home and now i want this debt removed from my credit report.it is bogus and absolutely not my fault in any way because i will say that to this day, i refuse to pay for it since i did not cause the problem.i was greatly inconvenienced because of this and now i want it to be made right.thank you for your attention to this matter, i have attached the emails.
Saw that there was an account I did n't recognize when I reviewed my credit report. XXXX XXXX XXXX. I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to equifax, XXXX, and XXXX. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX XXXX XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by XXXX, eqifax, and XXXX. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents.
I have a credit card with XXXX XXXX and they track my credit score from Trans Union using XXXX XXXX. Between XX/XX/XXXX ( when my score was XXXX ) and XX/XX/XXXX, the score was downgraded to XXXX. 

I discovered this when I applied for a new car loan on XX/XX/ and was informed that my score was XXXX. 
I subsequently got a copy of my credit report from Trans Union and called to find out why my score had dropped. There is no indication as to why this happened on the report.

I called Trans Union and got nothing but a run around as to why they dropped the score. I asked repeatedly for a reason and all I got in reply is that " the computer generated the score '' or " there are many factors that COULD affect the score ''. I was never able to get a definitive answer as to why my score was reduced. I finally asked to speak to a supervisor and eventually was cut off. 

This agency ( as well as the others ) affects the entire population of our country and to get answers like that is disgusting. It seems that the credit reporting agencies are not held accountable for their actions to anyone and I feel that it is time that they are.
I cosigned for a private student loan for XXXX my kids with Sallie Mae. 
Since she graduated, Sallie Mae calls my cell phone and work phone several times a day about paying this loan off. I have asked them to not contact me by phone and only in writing, but the calls continue. 
I have received no documentation through the mail, only this constant barrage of calls. They are attempting to harass me into paying them even though I just cosigned the loan.
my paypal account was permanently limited, and the fund in my account was to be held for 180days. 

I aske Paypal to release my fund immediately.
I was exploring a refinance of my car loan and clicked on an advertisment for LendingTree to get an idea of rates. I was made to believe that I would see rates before I asked for my credit to be evaluated. I was only asked for the last XXXX of social security number, used when making soft pulls on credit but never hard pulls which require the full social security number, and never told that I would have hard inquiries placed on my credit report. Instead, LendingTree sent my information to several 3rd parties who then all made hard inquiries on my credit reports. I have XXXX from XXXX on my XXXX report, XXXX from XXXX XXXX XXXX - XXXX on XXXX and XXXX on XXXX - and XXXX each on XXXX from XXXX and XXXX.
I had opened a new account  with Navy Federal Creidt Union a fter it had closed out. I knew I owed money so I asked the teller if I had to pay anything additional and I did. The amount was {$200.00} for an overdraft fee so I had paid for it. I also owed money for my car loan which was about the same {$300.00}. I paid for that also. After paying he said I 'm in good standing with the bank and there would n't be any issues going forward. So then I proceeded to put {$1500.00} in to my new accou nt. Two days lat er I was looking to pay for something and I noticed all of my funds was gone. I noticed this happened on  XXXX / XXXX /  XXXX  . They never gave me a warning and I never gave them the ok to take money out my account or have I signed any information saying that I ever will allow automatic transfers when I started the new account. I also never signed any paperwork starting this new account. This debit collector just took money without any of my acknowledgement and put me back on a few bills because of it even after me attempting to receive a portion of the money back to still put down on the amount that was lost. I talked to the head of the person that took the amount and they were extremely rude. She did n't care that I needed the money for my son and for rent. She literally told me that it did n't concern her and she have other people calling with more important issues then the one I 'm having then she hung up.
please attachthis to the previous complaint i files day 6 of total chaos with my loan closing my loan was never closed propery last yur by same compoany and now having problems im subbitting all documentation and all files as now i have attourny working on it to they cant cloe on my home home poibnt financial which im working with now is same company did it last yr and never closed my loan properly still have a lien down at the county court hosue which i went down homepoint not even on there having a loan the tital compnay they used never did there job no im spending day and night my own time trying to fix this minumal XXXX from my lender they should be getting documents and calling everything was done on my end right and to the T this is frustraing i attached emails prob ten there over 50 over all this callled titalle company that had last yr there saying its lender respenc homepoint court saying home point respnsiblity attourney saying homepoint respponsibliky It is thye close my loan they were suppose to take care of this
I received a response from Wells fargo which is unacceptable. I would like to see evidence from my court proceedings 1 ) that states Wells fargo is not liable for my attorney fees.

2 ) XXXX XXXX at Wells fargo found in his research that we'll fargo inadvertently applied my funds on an incorrect loan and never reversed them.

3 ) Wells fargo has not correctly responded to all of my questions.

4 ) Wells fargo has refused to work with me on all of these issues, and will admit no fault 5 ) Wells fargo has refused to report correctly to the CFSB and your organization does not do the appropriate follow up 6 ) I have a letter from Wells fargo which shows me having a XXXX  in escrow, they they're tell me.its something different 7 ) Wells paid my Tennant XXXX XXXX at XXXX XXXX XXXX XXXX XXXX minute XXXX  $ to move out. This was done in XXXX  or XX/XX/2012. This was done under their REO ( real estate owned ) unit. They refuse to admit this
IN REGARDS TO : SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX. I HAVE SENT LETTERS CERTIFIED LETTERS WITH RESPONSE A BACK FROM THEM. THE ISSUES AT HAND I HAVE SEEN AND DISPUTED THEY HAVE REFUSED TO REMOVE THE ACCOUNT AS IT IS NOT REPORTING ACCURATELY. DATE OPENED XX/XX/XXXX AND DATE FIRST REPORTED IS XX/XX/XXXX HOW IS THIS EVEN POSSIBLE TO HAVE A LOAN THAT LONG AND THEY REPORT ALMOST 4 YEARS LATER AFTER THE DATE THE ACCOUNT WAS OPENED? THE TERMS AS WELL ARE REPORTING INACCURATELY AT 80 MONTHS NEVER SIGNED A CONTRACT FOR 80 MONTHS ON A LOAN BEFORE. THEN TO REPORT A RECENT PAYMENT OF {$500.00} IS INACCURATE REPORTING ON SANTANDERS BEHALF. SANTANDER CONSUMER USA FOLLOWS THERE OWN RULES AND DO NOT ABIDE BY ( FDCPA ) NOR THE ( FTC )
On three consecutive business days ( XXXX XXXX,XXXX, and XXXX ), XXXX XXXX of Fay Servicing or his representative showed up physically at my property at XXXX XXXX XXXX, XXXX, GA XXXX and taped the identical letter, dated XXXX XXXX, XXXX, on my door on each of those consecutive nights. The letter requested that I call him directly at ( XXXX ) XXXX in order to " verify my current information and to discuss how [ we ] can work together to improve [ my ] mortgage situation. '' I called him at this number on XX/XX/XXXX at XXXX XXXX and my phone call went to his voicemail. I left a message reassuring him that I had received his letter, requesting that he not post it on my door anymore, and that I was calling him as he had requested. I asked him to call me back that evening or the next day ( XX/XX/XXXX ) between the hours of XXXX XXXX and XXXX XXXX, when I would be available to take his phone call. As of XX/XX/XXXX and I had not yet received a phone call back from him, so on that date I emailed him at the email address he provided asking that he reply to my email with specific instructions as to how to submit my Loss Mitigation Application. It is now XX/XX/XXXX and I still have not received a return phone call or email reply from him or Fay Servicing.