WillisBack/dataset-financial-user-claim huggingface dataset:
EQ - had confirmed by way of my previous disputes ( XXXX XXXX ) that a CLOSED or PAID/CLOSED Tradeline, can not and should NOT have an Activity Designator = NA. 
Although I have disputed " this '' item at least 4 times previously, I am simply reminded of willful noncompliance. 
Because EQ is attempting to take my complaints from the CFPB site, I offer the following - once again. 
I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. I am the author of all text within this complaint - as well as the intellectual owner of the identified data issues on my file. There is no credit repair agency involved, simply myself - a consumer who is being educated through all of this activity. 
I, as an American Citizen - have an entire right to have this dispute, heard, managed and resolved through this portal. Prohibiting my right, by again stating something you know, and have been told numerous time previously to be false - is prohibiting me of my rights. 
I do not, and am not disputing ownership of the Tradeline contained in this dispute. Assigning that as the issues, and then responding to this Dispute ( number XXXX ) simply adds to the number of attempts I have made, to have you EQ - resolve this item. 

XXXX XXXX - Account XXXX 1. This account is CLOSED. 
2. XXXX XXXX has NOT submitted a record update since this Tradelines Closure ( 2008 ) XXXX. The Tradeline has an Activity Desinator of N/A, and can not - as it is closed and has been closed since 2008, Please update this account to PAID/COSED XXXX. This account then, lacks it pay history for the duration of time in which it was open, AND IS INCOMPLETE. Please publish the Tradelines full payhistory. 
XXXX. This Tradeline then lacks its balance history for the duration of time in which it was open, AND IS INCOMPLETE - Please publish the tradelines full Blanace History 6. The " Months Reviewed '' is inaccurate, and then impossible based on the factual date open/date closed - the account was not open for 73 months - that value was generate - is generated by your system using the Open date and that Activity Designator that has been wrong for over 8 years. Please fix the actual duration of this tradeline. 
Although this is my oldest tradeline, and because it remains incomplete, and inaccurate on my file for 10 years - Either Verify the entire Tradelines details and fix/update the record to be complete and with correct pay and balance history, or DELETE this incomplete and then inaccurate Tradeline,
This is a second Case Opened based on a recently Closed Case : XXXX XXXX XXXX XXXX XXXX over our Loan Servicing in XXXX. At that time we had an Interest Only rate that the previous Mortgage Company ( XXXX ) had modified for us to a 1.75 % interest Only rate. 

in XXXX The Rate was supposed to adjust ( Although we were unaware that it became a 5 yr ARM as the original Loan was a 10Yr arm ). we signed a temporary Rate adjustment while our Youngest son was undergoing XXXX XXXX ( He XXXX XXXX in XXXX ). During this time of the adjustment my wife and I were separated physically because our son was hospitalized and I was the only one that signed the document, We went to Sale our Home in XXXX and during this process I reached out to Ocwen to see what the Interest Rate was and was told it remained at the adjusted Lower rate. All the online statements stated this fact and all the statements we continued to receive in the mail stated this, we were never notified of an adjustment and everything we saw or received stated the same ( The 1.75 % rate did not change ). I just had assumed it was through the 10 yr period which the original Interest only Loan was set at which would have expired in XXXX. 

Had we been told the rate was adjusting to a new higher Rate back in XXXX we would have sold the home at that time or refinanced the home. 

2 Months ago we received a notification that the rate was going to adjust in XXXX XXXX so we took steps to sell the home ( And sold-Closed Escrow in XXXX XXXX ). Just prior to closing escrow we received a document from Ocwen stating we owed for XXXX XXXX yrs of unpaid interest ( That we were never notified about until just recently ). This amount is around $ 140k. 

Had we been made aware of this way back in XXXX we would have taken much different steps with this home. Because of this we are not only losing our life savings we originally put into this home but we now can not afford to buy a home in the city we live in. 

I noticed a Judgement against Ocwen in XXXX XXXX by XXXX regarding Ocwen 's incorrect statements for its customers? This is the primary reason we are in this mess right now. They admitted the Systems issues and stated they made mistakes on their end. There has got to be some sort of way to resolve this and not put the entire blame/burden on us the consumer. 

I 'm not denying that I signed a temporary rate decrease by the previous Mortgage company that managed our loan. This was done out of the graciousness of XXXX 's Management and we were entirely grateful. My primary complaint is we trusted the information that we were being provided and made decisions based on that information we were given to us by Ocwen for a XXXX XXXX yr period ( Of online statements and Verbally over the phone ). they must have some sort of responsibility in this. Our family and finances are devastated by this. 

I have online transaction history, phone records, etc .... that shows all the correspondence on this matter.
XXXX used to call me about phone service I 've never had. I have been with XXXX since XXXX and still am. The account on my credit report says that the XXXX account was opened XXXX XXXX which is n't true because I 've always been with XXXX
I have been dealing with XXXX and XXXX since XX/XX/2017 in regards to removing unverified information on my credit report. 
As you can see with the XXXX letter attached they have removed the bankruptcy off of the report because it is not verifiable. With that said XXXX and XXXX needs to remove this Bankruptcy ASAP due to the fact I been dealing with this since XX/XX/2017 with numerous dispute letters and also prior disputes with CFPB. 
See below : Well I took it upon myself to write to the XXXX   and XXXX Bankruptcy court on XX/XX/17 asking if XXXX  and all other Credit Bureau 's have notified them to verify my information that is on my credit report. On XX/XX/17 I received a letter back from the XXXX Bankruptcy court stating that they DO NOT verify information. I sent this letter to XXXX and to the additional credit bureau 's asking them to remove the information off of my credit report. XXXX sends me a letter stating that the information has been verified but the Bankruptcy states that they DO NOT verify information. XXXX never verified the information and they do not want to do there job as to removing inaccurate information.
They call and ask me all kinds of personal information. When I ask what it is about they say they wo n't tell me until I verify personal information. I wo n't do it. They wo n't stop calling.
My debit card was stolen on XX/XX/2017 On that same date, a total of five unauthorized ATM transactions plus the fees in the total amount of {$1000.00} were taken from my account. I reported the stolen card to M & T Bank the next day and reported these fraudulent transactions. 

After giving me a " provisional credit '' in the amount of {$1000.00} to my account, the M & T bank abruptly denied my claim on XX/XX/2017 and re-took the sum of {$1000.00} from my account!
THERE ARE XXXX BANKRUPTCIES REPORTING ON MY CREDIT STATING DISMISSED IN XXXX & XXXX THAT DO NOT BELONG TO ME. THE CREDIT REPORTING AGENCIES HAVE REFUSED TO DELETE, NOR PROVIDE PROOF THAT THESE ITEMS BELONG TO ME. THEY ARE HURTING MY CREDIT AND WONT ALLOW ME TO QUALIFY FOR A MORTGAGE. THEY SHOULD NOT BE ALLOWED TO REPORT INACCURATE INFORMATION THAT CAN CAUSE DAMAGE TO A PERSONS CREDIT.
On  XXXX / XXXX /17 we were contacted by someone who claimed to be from the United States Department of Health and Human Resources stating my boyfriend was eligible to receive {$12000.00} from the Obama stimulus package. He said we had to pay an activation fee and taxes totaling about {$1100.00} with gift cards. We were told at the end of the call after we purchased the cards and gave him the codes on the back that we had just been scammed. We immidiatly made a police report and called the bank. We went to the bank and they filed an investigation. The bank manager said she was going to make some calls to get our money back because it was frodulent circumstances. We have made several calls to the bank never receiving a response. We reached the manager once and she said she would call us back that following Monday and never did. They have completely ignored us but told us twice they would replace our debit cards and did n't do that either. The purchases should have been flagged as suspicious. Our money is supposed to be guaranteed by the Government and we should have had it back by now. We were unaware that it was fraudulent but the bank should have caught it. Instead they act as if we do n't exist which is wrong.
I was in school/ deferment from XX/XX/XXXX-XX/XX/XXXX and Wells Fargo falsely reported I was not making payments. In XX/XX/XXXX Wells Fargo sent a letter that stated this and that they sent information to four different credit reporting agencies. I called the number provided to the Wells Fargo Credit Dispute Resolution Unit which really only went to the Education Loan department. 

It seemed to me that they resolved the reporting issues but I am still financially damaged since it was corrected recently I have loans associated to my house/ Wells Fargo , School Loan/ Wells Fargo , Credit Card/XXXX XXXX and car loan/ XXXX XXXX XXXX XXXX. All of which I have been paying too much for since they reported derogatory information for almost seven years. 

I attempted to get my school loan which is variable adjusted down as well as my house loan but Wells Fargo declined my effort to mitigate the ongoing extra costs to my loans. XXXX XXXX XXXX XXXX said I would need to re-apply for a car loan, but rates have gone up so much I had a better rate already even though my credit score must have improved some. They did verify that one of the reasons I was turned down for a loan recent air conditioner loan was that derogatory reporting. It was over 100F and we had no ability for 4 weeks to get an AC unit for the house. 

During the period of time I was primarily unemployed from XXXX XXXX XXXX I was turned down for jobs and had to cash in everything we owed to survive, land, cars jewelry etc. In my profession you can not have companies bill under your license if you are delinquent in school loans payments. The XXXX would require repayment for any payments submitted under my license. I believe that Wells Fargo is responsible for many tens of thousands of dollars in my period of under employment associated to turn downs and sold property not to mention continuing loss from extra fees. 

I tried to get a credit report from XXXX to see what was reported and corrected about three weeks ago and have yet to see a credit report. XXXX XXXX XXXX XXXX suggested I go to XXXX XXXX. I do n't know why I should have to do that when I called to the numbers provided by Wells Fargo to the four credit companies. Not sure why I have not received a report from XXXX. On the call to them they wanted me to pay for getting my credit score. I feel slighted by that since Wells Fargo created this mess. 

I asked for numbers to the Dispute Resolution Unit and the local bank in XXXX, Nebraska could n't find it. It tells me there is no ability to get accountability and mitigation for the damage they have done to me financially and it is a disingenuous offer for resolution. 

I have also tried to refinance my student loan I have with Wells Fargo with XXXX and was flatly turned down. I believe because of their false reporting. Since we have many medical bills it is difficult to afford legal representation. I thought I would try this Agency for help resolving my ignored mitigation efforts.
I contacted XXXX XXXX via their online form and requested to opt out due to having my personal information stolen after a home invasion. I provided the information of the police department, detective and case information. I explained that I was in fear of my safety as I was a victim of this crime and feel my safety is at risk. 

I received an email back stating that the information provided did not meet their requirements to have my information concealed. I than see that they are reporting on my credit report the address of my home that was not previously listed as it was not reaffirmed and Equifax states the information is from XXXX XXXX credit reporting agency. 

The public records is causing me fear for my safety and physical health and the information they are reporting to the creditors is not accurate and causing me to have problems with my credit history. 

I appreciate the assistance with having the issues with Lexis Nexis resolved. 

Thank you, XXXX XXXX
This complaint deals specifically with false and abusive practices by XXXX XXXX ' rebate process, which is handled by a company called " Young America , LLC. '' My rebate was submitted XXXX XXXX ( see screenshots ). Even though the confirmation says " allow up to 8 weeks from submission to receive your rebate '' it 's been almost 18 weeks at this point. I 've called them half a dozen times ( typically every 2 weeks ) but I 'm told that the representative ca n't do anything to help and that I should 'just wait another 2 weeks. All of this, despite multiple reps stating very clearly that I had submitted everything correctly with all required documentation and one representative even stating that a check will be sent out and I would receive it within 5-7 business days. They have neglected to call me back when promised and have yet to make good on the original terms of the rebate agreements. I feel I 'm at a loss as to what to do about this. It 's unfair, it 's deceptive, and it 's abusive. I 've spent hours on the phone with them for something I should have received months ago.
I have a mortgage with Nationstar, I fell behind because my husband was injured at work and was out on XXXX. I tried to make a payment to pay the mortgage current with the full amount past due, I was told I needed to pay attorney fees as well, they made me wait a week to get the payment meanwhile everyday the amount goes up. I finally get the payment they want which is XXXX dollars more then what my actual past due balance is, then they tell me i can apply for a modification, I applied and sent in everything they asked for, it took 2 weeks to hear back ( still accruing more fees ) finally I get a rejection on their website ( that I checked every single day ) and no explanation as to why. So now I am stuck having to find things to sell just to get this extra XXXX dollars in attorney fees to pay them current so they will accept the payment. I feel like it is set up so companies can take advantage of people already struggling. It should not be allowed for them to be able to reject a payment that does not include fees that the company opts to incur. I did not ask them to get an attorney I have been trying to catch the mortgage up, the attorney benefits them not me, why should I have to pay for it. I just want to pay them what I owe them and they reject it. 
Unfair to the consumer. 
Inconsiderate to people who are stuck in a temporary situation. 
Nationstar mortgage AKA Mr.Cooper only has one goal and that is to foreclose.
I added my son to my NFCU business account as an authorized user about 2 years ago or so. He was added with no problem. Today XX/XX/2018 my business assets are frozen because he owes them money and they blocked me out of my own business accounts. Apparently he owes them over {$5000.00} and they restricted my account because according ti them they can do that. My son went into a branch as was grossly discriminated against and treated like a criminal when I sent him to get a cashiers check. He has called in several times with me and they have been rude and We have been hung up on and when trying to speak to a supervisor I am advised that there is no one working that someone will return my call in 24 to 48 hours. According to what I know these accounts are from XX/XX/2010 and they are declining to forward information to validate the debt. On the recorded line the rep insisted he say that He acknowledge that he owes the money after repeated attempts by the rep in their recovery she hung up and became rude. By them restricting access to my buainess account it will cost me a total of about XXXX to XXXX in fees and other legal costs because of that. My business should not be responsible of them not verifying his information when I added him over 2 years ago. They should have said no of instead taking opportunity to try to collect on a business account that frankly he is only authorized to go when I am not available. I feel that these actions were initiated as a retaliation because they made me go through hoops about a code word on the account and because I stated that I would report them to the proper authorities.
Flagstar Bank of XXXX Mi sent me a {$300.00} refund from escrow as bal to high, then increase my escrow needed to cover XX/XX/XXXX. They refuse to keep {$190.00} & send a refund {$110.00} & leave escrow & payment same. I refinanced RE due to divorce with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXthen sold to Flagstar Bk.

My last mtg holder XXXX XXXX XXXX always gave me option to pay more n escrow & leave escrow & pmt same. Flagstar flat refuse any option. I ask them to sell mtg to another bank & refuse.
I 'm an independent contractor, a US citizen living in the US. I opened a Capital One 360 checking account on XXXX XXXX, XXXX. I deposited {$50.00} through XXXXl from another account then received payment from a company for contracted services through wire transfer, The company is based in XXXX. The name of the company is XXXX. XXXX XXXX XXXX they are a legitimate company that I have known for years. They sent 2 payments through wire transfer. The payments both cleared. The last one was sent XXXX XXXX, XXXX. Because I liked the service I had receive I had my daughter set up an account with them. I then sent her money to help her with rent and food. Then yesterday XXXX XXXX, XXXX I noticed the money I had sent her was back in my account. I called Capital One to find out why. They said they were unable to help me and transferred me to their security team. The security team said due to an internal audit that they are closing my account and due to security reasons they can not tell me why. They said the only way to get the money in my account was to have the originator of the funds to request it back. My daughters account is now over-drafted and I had to make a very embarrassing call to the company I 'm doing work for. The company does not know how to get the money because it 's a cleared wire transfer. I 've tried to call Capital One back and I only get customer service reps that ca n't help me and transfer me to an answering machine where I have left several messages and no one calls me back.
After sending two letters opening investigations to the credit bureaus for XXXX reporting a charge off and open balance to a debt that they XXXX me for in 2014, I am escalating this issue to be rectified by CFPB holding XXXX and the credit bureaus accountable for their actions. They are illegally hurting my financial wellbeing by still reporting an open balance which is affecting any ability to acquire financing
Identity Theft account opened under my name with Portfolio Recovery. I contacted the creditor and mailed over certified letters but I got no response back through the mail and my certified receipt was n't signed back and sent to me. I 've been waiting for Portfolio Recovery,  XXXX ,  XXXX ,  XXXX  to send me any verifiable documents showing my name, or signature and they have n't for more than 45 days ago. I am truly fed up with these companies. I have several fraudulent accounts listed on my credit report on all  XXXX  credit bureaus. I have no acknowledgement of these accounts and I 've been alerted by   XXXX   XXXX   that my score has been declining, and the accounts we 're opened without my consent. Inaccuracy, Fraudulent, major errors   XXXX   1. Portfolio Recovery   XXXX    accounts 2.   XXXX   XXXX   3.   XXXX   4.   XXXX   XXXX   XXXX   5.   XXXX   XXXX   6.    XXXX   XXXX    XXXX  1 .   XXXX   XXXX   2.   XXXX   XXXX   3.   XXXX   XXXX   XXXX   4. Portfolio Recovery  XXXX  accounts  XXXX  1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   3.  XXXX  4.   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX
I have been trying to recieve a loan modification from Bank of America and feel my case has not been reviewed correctly.Myself and my lawyer have sent in all items asked of us in the proper time frame and still have had no response.
I have received a credit report marker for a thirty and sixty day credit marker for my XX/XX/XXXX and XX/XX/XXXX payments. However, I had arranged a deferral contract for my monthly payments to be extended onto the end of my lease period. Because my monthly payments were brought up to date via deferral - my account was brought current in XX/XX/XXXX. I am requesting for the credit markers to be removed.
On XX/XX/2018 I received a letter from Pennsylvania Higher Education Assistance Agency regarding my student loans and my need to re-certify my income driven repayment plan within 10 days on XX/XX/2018 or else my monthly payment would increase to {$2000.00}. 

I was unable to submit this documentation through the PHEAA portal due to the fact that their was a discrepancy between my date of birth between them and the NSLDS. I have re-certified through this process several times and no one has been able to help me determine how this discrepancy came about or how it can be fixed. 

Since I was unable to submit the information through the portal, I needed to upload the re-certification and tax income verification manually. I received the form from Studentloans.gov and submitted the information on XX/XX/18. 

PHEAA sent me a letter on XX/XX/018 stating I was denied re-certification because the form I submitted was out of date, even though the form clearly stated at the top that it expired on XX/XX/18. I re-submitted my re-certification documentation on XX/XX/18. 

On XX/XX/18 I received another letter from PHEAA that stated because I had not submitted the re-certification forms my XXXX payment was set to increase by a multiple of 4. My Income Driven Repayment certification is still under review. 

Due to a a new flaw between PHEAA and the NSLDS regarding my date of birth and the slowness of PHEAA from veryifying my documents on two occasions, I am expected to pay four times my usual scheduled student loan repayment.
On XX/XX/XXXX I was scheduled to close on a home and when the title company pulled a New Mexico public record I was informed of a judgement against me in the XXXX judicial court of NM from Wells Fargo for a credit card opened in XX/XX/XXXX. I Immediately called Wells Fargo to let them know this was not my debt and asked how can I get this resolved since I was supposed to be closing on a home and had already given notice on our current residence. Under direct pressure I asked if they would accept {$1600.00} so I could close on my home and I was given a settlement of {$2900.00} to have the judgement removed. This was far beyond my financial resources especially for a Fraudulant account. I immediately filed a police report. Since then I have spoken to numerous people and the attorney for wellsfargo and have had no help with this matter. We have now lost the house and have been put in a unbelievably dire situation