WillisBack/dataset-financial-user-claim huggingface dataset:
I XXXX XXXX states a complaint to the Consumer Financial Protection Bureau on a very poor reinvestigation by one of the largest credit reporting agencies. Even though I showed proof that my education loans were always in deferment and that the balances were eventually taken over by another service agency, I have never made one payment ever to the US Department of Education. This national agency was only operating as a credit reporting process after the initial procurement of the student loans. The loans were financed privately. Eventually the debt was transferred to another third party. This negative reporting is causing me severe financial hardship. The same credit rating states PAYS AS AGREED, while showing an immediately 90-day late payment status while the debt obligations were deferred from payments. This is highly discriminatory. I am a professional XXXX woman and I find this type of credit reporting to be racially biased and I have zero chance of ever refinancing with this abusive rating process. All credit reporting agencies have a responsibility to maintain the strict standards of not only the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act, the Fair Debt Collection Practices Act, in addition to the high standards of equal rights protections such as the Equal Credit Opportunity Act. I believe that the Federal Trade Commission should have a full investigation on racial inequality when it comes to credit reporting processes and that all credit bureaus should maintain the sensitivity that is essential for fairness pertaining to matters of race. My previous complaint brought no action, even though the negative payment history must be deleted permanently. If I do not receive the proper reinvestigation by the credit bureau against the US Department of Education. I will proceed a complaint with the attorney general of my state residency. This improper reporting process is causing me hard financial hardship that can only be understood by minorities such as myself trying to better their lives through education, and working several full time jobs and raise a family at the same time. My credit report needs to have the negative payment history purged permanently.
I applied for a business credit card with Capital One. Capital One ran my credit ( score of XXXX ; see attached ). I have a fraud alert on my credit report so Capital One was supposed to call me and ask me questions about my report to verify my identity. Capital One never called me at the number provided. I received a letter from Capital One dated XXXX XXXX ( attached ) stating that they were unable to reach me concerning the fraud alert. I wrote Capital One back ( attached ) informing them I never received a call from them and asking them to call me back. They never did as of XX/XX/XXXX.
Bankruptcy should have been removed from credit report on time, After 7 years. 
Should have been removed in XXXX, it 's now XXXX XXXX.
I received a XXXX from Bank of America with cover stating " Important Opportunity Enclosed '' offering assistance on my loan modification, that offer requested that I contact XXXX XXXX by XXXX XXXX, XXXX to take advantage of the " proposed '' opportunity. I called XXXX XXXX at the telephone number on the letter approximately 5 times but her voice mail stated that she would return by XXXX/XXXX/XXXX ( XXXX day before my deadline of XX/XX/XXXX ) but no call back. I even called the number that XXXX XXXX left on her voicemail indicating that if I have an emergency to call ( XXXX ) XXXX but no one answered the line and after a few rings the line disconnected. What am I to do, when I call and get no answer??? 

I would like to discuss my particular situation with the bank but to not prevail. I always feel that I get a perpetual run around with Bank of America. 

I assume that they are contacting me because of my complaint filed with the CFPB regarding my being overcharged on my loan modification because of the bank 's dubious practice/tactics of shepherding me to foreclosure by intentionally denying me a loan modification from the very beginning when I first applied in XX/XX/XXXX. Now I am being charged over {$180000.00} in additional costs because of the bank 's tactics of denying and then adding on more and more costs. I am being charged for their tactics. Now I can not get in touch with the banks representative, XXXX XXXX.
The Lender is not applying additional or excess payments to the principal balance when provided. The lender holds the additional or excess payments into a " Partial Payment '' suspense account and it does not make it into the Mortgage principal balance. For several months I have to called the Lender, and each time they claimed that the issue will be fixed and it continues to occur.
I had several student loans that were in default. I had been paying on XXXX set of my student loans through Navient. I had a second set of student loans that I went through loan rehabilitation through XXXX. I finished the loan rehabilitation program through XXXX and then my loan was brought by Navient. I was sent an income base repayment information from XXXX to send to Navient. Since I had a set of loans already through Navient I called them and requested assistance with getting both set of loans due at the same time and the payment reduced to an amount to something that I could afford. The representative encouraged me to do the loan consolidation and led me to believe that it would save me money and my payments would be reduced. When my loan was consolidated it was only {$30.00} less that what it was when the loans were n't consolidated. When I log in to my account I still have XXXX sets of loans both due on the same day which is the first of the month. I could have easily requested a due date change and accomplish the same thing. I do n't understand the purpose of me sending in my XX/XX/XXXX Federal tax return along with household information if the payments were n't going to be reduced to an affordable amount that I can afford so that I do n't go back into default. I immediately called back to NAVIENT and the customer service rep was n't friendly and gave me another number so that the income base application could be mailed to me. It is XX/XX/XXXX and my next payment is due XX/XX/XXXX. When I called the XXXX number it was an automated NAVIENT number stating that it would take up to ten days for the application to me be mailed to me. I shy away from systems that require a password because I have memory problems and get extremely frustrated and do n't trust anyone. I am a XXXX veteran. I tried to explain that to the Representative but before I could get it out she told gave me the XXXX number and sent me on my way. The last person from NAVIENT filled the application out for me and I just had to sign it. I was able to google the application and uploaded to my account along with my recent XX/XX/XXXX Federal Tax return. I do n't feel that NAVIENT was looking out for me or my family. They were just out to get the highest payment. Since uploading the income base application, I do n't see where it was received or if someone is working on it. I also sent an email directly through NAVIENT about my concerns and all I received was an automated response stating that someone would get back to me. That e-mail was sent on XX/XX/XXXX and still no response. I ca n't tell you how many call that I got when I was in collections. I 'm trying to be proactive and stay in good standings. I know that the money has to be repaid.
Over the last 3 weeks I have been receiving XXXX5 calls a day from Commonwealth Financial ( CFS ) A collection agency. They are asking for a XXXX XXXX XXXX whom I do not know. I have told them them 5 times now that I do not know this person and to stop calling me however the calls continue. 
Some of the numbers are : XXXX, XXXX, XXXX
PennyMac has consistently mishandled my mortgage servicing since assigned to them by XXXX XXXX XXXX. The closing documents show a monthly payment of XXXX. In XXXX they sent me several notices requesting a payment of XXXX by XXXX XXXX for my first payment. XXXX calls were made to them to correct it and each time they said it was their mistake, stated it was corrected and they would send me a new statement. Each time the new statement showed the incorrect amount. Mind you this is my first payment after closing. Finally that issue was corrected, and I mad a payment that was posted to them from XXXX on XXXX XXXX 2016. Today XXXX XXXX I get a statement in the mail stating that they never received my payment even though I called and verified with them that they had. So they are threatening my credit with their incompetence and I guess I will have to hire a lawyer.
I had an arrangement with American Express that they would take out {$500.00} a month on the XXXX of every month directly to pay down the outstanding balance of my account. 
They have taken it out {$1500.00} to {$2000.00} out of my checking account. 
Today I was updated by Experian of the following : They Charge off my account? even with an agreement? And American Express was taking Money directly from my checking account Monthly? and I would not be charged further interest? Where most of the incurred debt is coming from. Why did they call me and get me to agree to the terms that they requested if they were going to pursue a charge off '' XXXX Potentially negative information has been posted to your Credit Report Hide DetailsBusiness : Phone : Status Date : Payment Status : AMEXXXXX XXXX XXXX XXXX, FL XXXX/2015Charge-offReported By : XXXX What is Potentially Negative Information? 

An item is " Potentially Negative '' when a credit reports that you have not met the terms of your agreement with them. This may include late payments, charged off accounts, accounts sent to collection, bankruptcies, liens, judgements, etc.
XXXX XXXX offered me a chance to receive a secured credit card with an opening deposit twice and I was denied both times. I was n't planning on applying for anything during those times as I was repairing my credit. I applied because I was allegedly pre-approved. That 's not fair to the consumer. Neither XXXX XXXX nor the 3 credit bureaus ( XXXX, Equifax, and XXXX ) will honor removing the inquiries even though I was solicited by XXXX XXXX. The FACTS states inquiries can only be pulled under certain conditions and " firm '' offers are one of those conditions. Here is a reference to the code under ( c ) ( 1 ) ( B ) ( I ) : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of XXXX, or, if the date of birth on the consumer report shows that the consumer has not attained the age of XXXX, such consumer consents to the consumer reporting agency to such furnishing.
The following information is incorrect and should be either corrected or removed from my credit file. 

XXXX XXXX - incorrect name, XXXX XXXX XXXX/XXXX  - ( all accounts are suspected to be fraud ), XXXX - fraud, XXXX - fraud, XXXX XXXX  XXXX XXXX - fraud ( 2 accounts ). XXXX - fraudulent inquiry, XXXX XXXX XXXX - inquiry.
Nationstar Mortgage company utilizing champion mortgage as its servicer. Upon my mother 's XXXX I attempted to utilize the short pay process to buy the home. I am the son and administrator of the estate. During the course of the short pay process the mortgage companies proceeded with a foreclosure action and in violation of federal laws and mandates prohibiting the same, applied for and obtained a judgment of foreclosure and sale date which has been extended to X/XX/17. While I have attempted to pay off the balance of the mortgage the companies refuse to set forth any detail of the amount owed. They are charging thousands of dollars for a homeowners insurance policy without my knowledge and concern and during which time I always had such a policy in full force and effect. They are also charging many hundreds of dollars for interest on the insurance policies and for property taxes ( not otherwise owed, either ) because it was paid. THEY ARE STEALING MY HOME AND THE FEDERAL GOVERNMENT MUST IMMEDIATELY STEP IN AND STOP THEIR ACTIONS. ONLY AFTER THEIR OBTAINING A JUDGMENT OF FORECLOSURE AGAINST ME AND PUT THE PROPERTY UP FOR SALE DID THEY DENY MY SHORT SALE PROCESS OR " LOSS MITIGATION PACKAGE ''.
In XX/XX/2018 I received a call from an English speaking woman from Sears Mastercard fraud unit. She stated that suspicious activity was noticed and asked did I make charges in the amount of {$850.00} in Massachusetts at a XXXX XXXX XXXX XXXX and at a donut shop. I told her I live in XXXX XXXX and have never been to Massachusetts and never made the charges to my account. She said she would remove the charges and reissue me a new credit card and my account would not be charged. Today, XX/XX/XXXX I received a letter stating they had received a receipt and that they were rebilling my account and closing out their case. I signed the letter stating I did not make the charges and faxed back to them. I have talked to them several time on phone and I do not get anyone who speak good English. I did not make the charges and the receipt the store sent does not have my signature or name or anything just the last four digits of the card. Sears Fraud Unit is giving me the run around and I do not feel they have investigated. They have just rebilled me. What do I do next. I do not think they are doing this legally and I always pay my bills on time. I have always paid my Sears out in one or two months. If I had made a purchase I would have paid for it. It looks like someone purchased 3 gift cards and how can someone use a credit number and no card at a donut shop. They have been very rude on the phone and there is a great communication problem. I believe a new company must be taking over Sears accounts because this has not happened to me before. Do I contact Attorney General, get a lawyer and start a class action suit? I do not believe they are going by the law. It seems Sears is closing and they must be selling all their accounts to a foreign company. They do not understand English and many have been inpatient and rude and they don't seem to know what is going on.
I have contacted XXXX XXXX XXXX XXXX after they sent me a letter and placed a hardship loan write-off from CitiBank card, buying an already charged off loan in my name, due to CitiBank card failed to let the XXXX XXXX XXXX XXXX know that they had already wrote the account off under a government program. I got sick, XXXX treatments did not work and I am on XXXX  XXXX. My family had helped with assisting bills, however once the XXXX treatments did not work, they stopped assisting. I sent CitiBank card a copy of my full XXXX hearing, signed court decision and a letter explaining my medical condition that led to my hardship. 

CitiBank card was very understanding and told me they were writing the loan off under hard ship. 

In my entire life, I had never been late, paid ahead of time all of my bills, even paid more than the amount due. Even while being sick. 

I now received a letter that XXXX XXXX XXXX XXXX bought a closed account under my name with CitiBank card after CitiBank Card refused to provide all documents. I did receive from XXXX XXXX XXXX   XXXX what they received from CitiBank card when purchasing an already closed account due to hardship, however it did not include the private court XXXX paperwork that Citibank card had in my file. 

I in turn called the collection agency XXXX XXXX XXXX XXXX on quite a few occasions. They also admitted to they do not buy hardship loans and agreed to close the file and terminate paperwork. 

I am now asking the collection company to please remove the collection account from all three credit bureaus. 
As a XXXX fighter, I deserve to have a bit of human decency and only asking that the collection be removed and all information of an account they bought through CitiBank card that was already closed. Per advised by attorney, CitiCard bank sold a bad loan, hardship loan that the bank had already closed and wrote off under government program. Therefore, I should not be penalized by XXXX XXXX XXXX XXXX to due the issue of CitiBank selling a closed, wrote-off hardship consumer loan in my name.
I have called them and told them that I would pay the monthly payment late before it hits 30 day but they still keep calling me every single day!!! I did refinance the loan but still did not help me due to when I was sick and was not working over time and I was contagious and got my husband sick and he also missed work and he does not have paid time off. I am trying my best to catch up but as of right now thats all I can do is pay before the 30 days.
I placed an order with XXXX also know as pacific credit group and was promised a XXXX5 day shipping. This did not happen and I called them a week after the order was placed to cancel and was told it was. They then proceeded to ship the item against my wishes and I called before the delivery to tell them to return to sender as I would not be in he state and nobody would be home. The package was delivered to the wrong address with ups has handled the claim and was to handle it directly through emporium/pacific credit group. They are calling non stop daily and at very unreasonable times some at XXXX and some at XXXX at night. I have mailed them a letter to stop this and they were to have escalated this to multiple supervisors multiple times and nothing is being done about this.
After numerous harassing calls, I have decided to set up an account with my bank to make monthly. To stop their " bleeding calls '', I called to tell them of my intent to start monthly payments beginning XXXX XXXX of 2017. I was shocked when I was told to give them my card or account number to make the first payment so they can forgive the past due amount. I offered to sen a check, but that was not good enough. They wanted all the information over the phone immediately. Sounds fishy to me. They even offered to wait two weeks to charge my account. Makes no sense.
Discover Miles Card transferred my " Miles Points '' ( last seen on XXXX XXXX statement ) into a credit ( showing on XX/XX/XXXX statement ) without informing me of this transfer. I had accrued XXXX miles-points ; I don't know date I opened the Miles card because the Rep. told me they had no record of my start date. They gave me a money-credit for the miles I had accrued, of {$570.00}. I would have received full market value for points if I'd been able to use my points ( like I had wanted to do ) for actual airline travel. I could have bought a very expensive airline ticket with the XXXX miles, certainly worth more than {$570.00}. That's why I had been saving up my miles-points. Now I have only {$570.00}. They didn't tell me they were doing this. I simply saw a credit on my statement, and my miles-points had disappeared. ( One representative named XXXX in XXXX told me I should get XXXX x 2, so XXXX based on Discover 's system of : every XXXX miles equalled {$100.00}. ) Spoke with another Rep. who explained the correct credit was {$570.00}. I spoke w/ another Rep. XXXX, who said they couldn't change problem, that Discover had changed how they deal with Miles in XXXX & due to inactivity (? ) they credited my account for a lesser value than real travel would buy. They didn't tell me that. The Rep ( XX/XX/XXXX ) said I couldn't get my miles back, which is what I want. I'd been saving for many years. They said they sent me a check. I didn't receive a check. Going through my statements again, I see the credit has been missing for about a year. I spoke w/ a Rep. today ( XX/XX/XXXX ) & asked where my credit was. It was there on the XX/XX/XXXX statement & missing thereafter. Today after my call, they reinstated my credit. ( *Please note, I did change my Miles Card to the Discover it card after all this happened, XX/XX/XXXX )
This is a complaint about Experian blocking access by consumers. I spent 45 minutes on XX/XX/XXXX calling 6 different # 's to ask for a temporary lift of my credit freeze. At no time was I able to reach a person-only frustrating telephone trees which did not help me. Even the person who was trying to check my credit could not reach a person ; the number I obtained to lift the freeze could not be used by the lender, so it required phone contact by me to Experian to lift the freeze Finally on XX/XX/XXXX, in desperation, I selected the " fraud '' tree, even though this was not my issue & got through to someone who was very apologetic & promised to relay my complaint to management after helping me. I have a feeling they get this complaint a lot. 
I believe they are intentionally blocking consumer access. Although this is probably the least serious problem you hear about, it's still treating consumers like trash. 
I'm hoping you can do something about this. 
Thanks for being there. I hope the agency can survive the Republican attempts to destroy.
I contact the company and inquiry about a negative on my credit report and its states that I am been late in paying them every month with credit bureau. The account has been close for three years so how can I be late paying them.
Sent a letter in XX/XX/XXXX to XXXX no response filed with CFPB ( complaint attached ) The company states in the first part of report they are not the company then I responded to the response sending back up ( attached ) where they are reporting, the company sends a response they  will send back up to verify the debt they are referring to " insurance '' which I have no idea .... they responded to this in XX/XX/XXXX. 
Still have not rec 'd back up. pulled my report and they are still reporting. 
Not sure how in one report they company can state that is not there debt, then go on to say oh yes this is and its from XXXX an insurance that was cancelled. But no send back up but continue to report monthly ( attached ) from XXXX XXXX. 

I want this removed from my credit report immediately clearly the company does not have proper back up.