WillisBack/dataset-financial-user-claim huggingface dataset:
it was a " stale debt '' from XXXX XXXX, XXXX, judgment which was never registered in XXXX XXXX court register department, XXXX XXXX XXXX, florida. it is the third time that I warned the midland credit management, inc., of the past due debt but agency continues collection efforts.
Received pre approval on XX/XX/XXXX. Started full application on XX/XX/XXXX. I was charged {$470.00} for an appraisal on XX/XX/XXXX. As of this evening XX/XX/XXXX the appraisal has not been completed. Citizens bank is claiming that this is due to Dodd Frank and CFPB regulations. I believe this is very misleading and they are trying to blame government regulations on problems with their processes. At this point in the process because of the delays, I do not have the luxury of trying to find another financial institution. I find this unfair and deceptive with the tactics they are using. When I applied, This would have given them almost 80 days for the closing. As of tonight, with no appraisal completed, we now are at 33 days remaining. Again, they have already charged me, but blaming you for the delays. This loan needs to close by XX/XX/XXXX or I suffer severe financial consequences due to their negligence. This is by no means credit or income related. Both my wife and I have XXXX Fico scores, over 15 years each on the job, debt and income ratios all well within guidelines. In other words, we are the ones with perfect credit and income for a mortgage loan. We also are putting down about 35 % of the purchase price.
I HAVE BEEN IN DISPUTE WITH BBVA BANK SINCE XXXX IN REGARDS TO LATE PAYS THAT HAVE BEEN TAKEN OFF DUE THE THE BK ON FILE AND PMI ISSUES THAT AS WELL TAKEN OFF. ALSO AT LEAST XXXX PAYMENTS NOT POSTED CORRECTED. 
NOW I HAVE ATTACHHED MY BK ATTORNEY DOCS AND US DEPT OF BK FILED AND SIGNED BY THE JUDGE ON THE MODIFICATION OF MY MORTGAGE. IT SEEMS THAT BBVA NEVER COMPLIED WITH THE CORT ORDERS WITH THE NEW RATE AND TERM AS WELL THE PAYMENTS SINCE THE CASE CLOSED XX/XX/XXXX. I HAVE TALKED TO NUMBER OF VP 'S IN THE MORTGAGE INDUSTRY AS WELL MY OWN CREDIT UNION XXXX. I HAVE BEEN IN XXXX FOR OVER 20+ YEARS AND KNOW FOR A FACT THAT THIS TIME BBVA HAS REALLY DROPPED THE BALL ON THIS CASE. 
I WILL BE FORWARDING THIS COMPLETE FILE TO HUD/FTC/FAIR LENDING COMMISSION. SO REVIEW THIS CASE AS WELL. 
THIS LOAN SHOULD HAVE BEEN LOCKED AND FIXED UNDER CASE XXXX FILED UNDER THE UNITED STAES BANKRUPTCY COURT XX/XX/XXXX. 
I CONTACTED BBVA AND THEY STATE MY RATE IS ONLY GOOD TIL XX/XX/XXXX AND ITS VARIABLE.
A fraudulent charge appeared on my account. I have contacted the bank numerous times to have the issue fixed. However, even though I have answered any and all questions and submitted any and all requested documents they refuse to follow the applicable laws of credit card fraud and refuse to even begin a claim, even though I have called repeatedly and spoken with them about the issue numerous times.
Ever since the security breech, I have not been able to get Equifax to answer my dispute from months ago, and now when I try to login for another dispute, get the same answer that my information doesn't match with their records so email the dispute. The whole report is outdated and does not include many new pieces, like I paid off an auto loan and started a new one, several  accounts have been paid that are still on there. I don't even know where to start anymore! There is no contact information to talk to a human. Please help! For those who have to rely on credit reports ( all consumers, presumably? ) to do anything, I need these people to step up and get corrected or drop out of being a reporting agency at all. I am potentially at risk by not having correct info out there if I want to get a home loan or other credit source. This has been going on far too long! Thank you for any assistance! XXXX XXXX
I notified JCPenney ( Synchrony Bank ) of my late payment and the day I would be able to pay via phone call and online account multiple times. The bank still proceeded to call me from different phone numbers all over the US 5 to 6 times a day, as early as XXXX.
Original Complaint with CFPB : XXXX In our original complaint, we detailed how JP Morgan Chase wrongfully charged us escrow fees in the amount of {$8600.00} and {$470.00} upon closing our house on XX/XX/XXXX. They also did not credit us for the {$500.00} in Good Faith Funds paid. In the original response, Chase submitted to us and to CFPB on XX/XX/XXXX the following assurance in writing : " We are refunding your {$500.00} Good Faith Funds, as well as the escrow amount that you paid at closing. {$470.00} for county taxes [ that was actually prepaids for property insurance ] and {$8600.00} for property insurance [ that was actually for property taxes ]. We are refunding the {$500.00} Good Faith Funds through regular mail. You should receive this check in the next 7-10 business days. For the escrow amount that you paid at closing ( {$470.00} for county taxes and {$8600.00} for property insurance ) [ Chase again misrepresented the funds and the {$470.00} was for property insurance and the {$8600.00} was for property taxes ], you will receive another check by mail with these two amounts combined in the next 7-10 business days. '' On XX/XX/XXXX we received a single payment from Chase in the amount of {$8600.00}. It did not include the remaining {$470.00} they assured they would refund in the previous response. I called the Chase Mortgage Banking Executive Office at XXXX on XX/XX/XXXX to inquire about the missing funds in the payment. Their representative stated that they were investigating the {$470.00} and would not be returning that portion of the overcharges until they completed their review. We have waiting an additional week for them to return the full amount that they had previously assured us they would refund and have not done so. Furthermore, we have not received the check for the {$500.00} in prepaid Good Faith Funds that were not credited to us on closing. 

Chase has lied to us and to CFPB by not following through and their assurances and refunding the escrow charges. 

Please help us so that we may receive the full amount due to us, which is still {$470.00} remaining from the mischarged Escrow and the {$500.00} in prepaid Good Faith Funds.
I have been disputing an account on my credit file, with XXXX XXXX for over 2 years and they refuse to prove that it is mine. 
On XX/XX/XXXX I sent a dispute letter to XXXX XXXX regarding an account on my credit report for which they claimed that I owed {$420.00}. I challenged the accuracy, compliance and reportability of this listing because I am unaware of owing money to this company. I also requested to validate the information, and to provide me with any documentation associated with this account, bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. And that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from their company or any company that they represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if they can not validate the debt, they must request that all credit reporting agencies delete the entry. They did not respond within the 30 day period. 

On XX/XX/XXXX I followed up with another dispute letter to XXXX XXXX stating that by not replying in a timely matter to my initial letter on XX/XX/XXXX, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I stated that I was making a final goodwill attempt to have this matter cleared up because the listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting.

On XX/XX/XXXX I received a letter back from XXXX XXXX stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature. 

On XX/XX/XXXX I sent another dispute letter to XXXX XXXX stating that they have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately. I requested the description of the procedure used to determine the accuracy and completeness of the information. And additionally I requested for XXXX XXXX to provide me with the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 

On XX/XX/XXXX I received a letter back from XXXX XXXX stating that the account was sold to XXXX   XXXX XXXX XXXX.
On XXXX XXXX, 2017, I went to JCPenney to buy a jacket. 

At the cashier counter, the JCPenney cashier asked me if I need a JCPenney card. 

I asked, is it a " credit card ''? to which he said, " No it 's not a credit card ''. and that 's why I signed up for the card. 

He lied to me so that I can sign up for the JCPenney credit card. 

I never wanted any kind of credit/debit card from JCPenney. 

I received the real credit card from JCPenney without my consent. 

It will hurt my credit score and it will stay on my credit history for a decade for no reason. 

Can you please help me and restore the credit history to where it was initially, delete the entire credit card from my credit history and cancel the JCPenney credit card?
Having previously had this same fraudulent debt forwarded back to the merchant by XXXX, XXXX on X/XX/2017, XXXX XXXX has reassigned the debt to XXXX. XXXX, making it clear that XXXX will not be deterred by Complaints to State & Federal authorities from using every resource at its disposal to pursue its criminal extortion tactics as far as the law permits.
On XXXX/XXXX/2015 I refinance and paid-off my mortgage with LandHome Financial. My escrows impounds in amount of {$2500.00} has not been refunded to me. I called LandHome serveral times the past few weeks and was informed the was mailed, but no specifics were given. Please help me.
Signed up for TransUnion Credit monitoring service, TrueIdentity, in order to place a lock on my credit report and for 96hrs ( and counting ) I have been unable to place a lock. However, credit card solicitations, work like a charm even though I have opted out several times. The only reason I elected to lock rather than to freeze my account is that that service of freezing my report did not work either.
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
I have a loan with TD BANK USA/XXXX XXXX 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, XXXX and TD BANK USA/XXXX  XXXX with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
There are several inaccuracies on my credit report that I thought I clarified with documentation. I had sent, copies of divorce papers, police report and copy of my dl, and the credit reporting agencies still have not updated my accounts. 
Furthermore there were XXXX fraudulent addresses on their reports of places I have never been, accounts I had never opened. They ignored the updates to my file. These errors affect my life, I am on a fixed income and every point in this system, which I am at their mercy to counts by the dollar. I want all of them held accountable for their mistakes. I do not want to lose my house because they do not scour the information like they claim.
Direct Recovery Services has repeatedly called, my husband, my ex-husband, my ex-husbands wife, my ex-mother in-law and myself. The woman has been given the information of my Bankruptcy Attorney on two occasions and was informed any further communications needed to be done through him. She continues to call regardless of having been given this information. Furthermore she is informing people other than myself that she is a debt collector calling regarding my balance.
- Never received written validation notice from XXXX XXXX XXXX ( XXXX ). 
- XX/XX/XXXX_ Received a text and email from my credit monitoring company that there had been a change on my credit report. I checked online and XXXX had placed a collection notice. I called XXXX and they informed me that XXXX XXXX  XXXX XXXX ( XXXX ) had contracted them for the debt collection. 
- XX/XX/XXXX_ after several voice mails, I was able to talk to XXXX in the billing dept. at XXXX. Was told they had sent a monthly bill and after 9 months sent my account to XXXX. I never received a bill from XXXX and my address, email, and phone number had not changed since the original visit to XXXX. Still no written validation from XXXX since I contacted them 11 days ago. I called XXXX and they told me that my address given to them from XXXX was for XXXX, VA which is not correct. I went ahead and paid the debt over the phone thinking the collection notice would be immediately removed. 
- XX/XX/XXXX_ called XXXX and asked that they send me all the information that they had in my file. 
Still have not received the required written validation notice, have not received written confirmation on my payment and that it was for my acct. at XXXX, and collection notice is still visible on XXXX web site. XXXX never notified/contacted me before placing a collection notice on my credit report which will not be deleted for 7 years.
I looked at my credit report a few months ago and found that there was a debt collection agency on there. I do not carry bad debts, EVER. I immediately called the company to see why there was a delinquency being reported. 

Back in XX/XX/2013 I helped my daughter get into an apartment because she had no credit. I was basically a co-signer. 

The company told me that there was a small balance due to the apartment complex and that was what they were collecting on. The total was {$200.00} They looked into the case because we have not received any type of statement or correspondence telling us there was a balance due. They found that the apartment complex was sending the statements to the same apartment that my daughter moved out of! After further review they said that they will be removing the information that was reported to the credit bureau. The information was deleted off of my daughters credit report but it is still showing as an open account on my credit report. I did call again after 2 months of the balance being paid off and they again informed me by the beginning of XXXX it should be removed.
My son received federal student loans while attending college at XXXX State University. The problem is that before the loans went into repayment while he was still attending college, the service provider Nelnet, compounds the interest. This makes it nearly impossible to repay the loan timely and get the principal paid. Last year, he made approximately $ XXXX in payments, and over $ XXXX was interest only. These are ffderal student loans, why does the government take advantage of our students. May be legal, but it 's not ethical. In addition, statements and Nelnet in general is hard to deal with and nearly impossible to get information that makes sense. 

Son # XXXX is currently in college at The University of XXXX, and I 'm trying to make occasional payments to his federal student loans being service by Nelnet. I 've asked that the payments be applied to the interest so that when he begins repaying, the interest burden is n't so bad. Nelnet applies the payment to principal so that they can continue to compound the interest. 

Nelnet statements and information provided about a student loan is very misleading and confusing. 

Please audit and Nelnets practices.
Explanation of complaint : I want to file a case of discrimination against dicover card. 
I made an application to Discover card. but was decline, the reason was " no credit record available. " how can you prove you are worthy of credit when they decline an application on first time. 
thanks a lot, mtan
On XX/XX/2018 I sent a request to XXXX asking them to verify the account being reported on my report by XXXX XXXX XXXX XXXX  for XXXX in the amount of XXXX. I asked for copies of documents. They responded within 30 days without documentation saying that the account had been verified. I sent a second request on XX/XX/2018 asking for a demand for validation with documentation. On XX/XX/2018 I received notice from XXXX that the company that reported the information has certified with XXXX  that the information is accurate. ERC was sent a letter requesting validation and documentation on XX/XX/XXXX, as I believe the reporting is in error. On XX/XX/2018 I received a XXXX bill from them. One in the amount of {$1000.00} and another for XXXX. This does not prove the account is mine. I am asking for original documentation or contract that validates the account being mine, as I believe this account is being reported in error and negatively impacting my credit worthiness.
XXXX XXXX has been included in my bankruptcy case number XXXX out of the XXXX XXXX XXXX of Michigan. They are still reporting monthly that my account is delinquent when they should have just reported it as a part of the Chapter XXXX wage earner plan. Can we have this negative reporting stop.
I have requested FedLoan Servicing to provide a history of all payments made on my student loans : including the date, amount due, amount paid and the date that each payment was credited. I have requested this information on 5 different occasions, but have never received it. I am enrolled in the Public Service Loan Forgiveness Program, so the accuracy of their records vs my records is very important. I have been in this program since XXXX/XXXX/2009. According to their calculations I have only made 68 payments that qualify. I, on the other-hand, have calculated 80 payments. I want to research this discrepancy by checking their payment history vs my records and they will not provide that information to me.
XX/XX/XXXX - I sent notification of dispute by mail to the company. I did not receive any documentation from the company with proof of the debt. I received only a response stating that the debit was valid. 
XX/XX/XXXX - I sent notification of dispute to all three credit bureaus. XXXX, Equifax, and XXXX. I received no documentation from either bureau with proof of this debt. I only received a response from XXXX and Equifax that the debit was valid and would remain on my credit. XXXX removed the debit from my credit report. 
XX/XX/XXXX - The item remains on my credit report, and I am currently receiving harassing phone calls from their collection agency ( XXXX XXXX XXXX XXXX XXXX ) at my place of employment.
I was put on a payment plan with Capital One Auto Finance and completed the plan. They stated I am contractually current with a confirmation number. However they have reported me as 180+ days late since completing the plan and it 's been more than 30 days since I completed the plan. I believe they have violated the Fair Credit Reporting Act.
Since I am a veteran and it involves the FCRA in a very consumer-focused state, the Offices of Senator XXXX, Attorney General XXXX XXXX ( Governor Elect ) and Governor XXXX XXXX of Maine have all shown an interest in this situation, and most advice seems to lead to the FTC. Thank you in advance for any help provided. 

In addition to many other resulting expenses involving high interest rates on low value credit cards, difficulty getting a good job equal to my experience and education, and the inability to purchase or lease a car, XXXX just denied denied me a credit card because XXXX incorrectly reported my FICO score at XXXX instead of about 800 as it should be. All 3 bureaus refuse to repair their database models to fix this obvious problem. They dropped my FICO score by 180 in XX/XX/XXXX by error and say they can't or won't fix it. Either way appears to me to violate the law?! I believe there must be tens of thousands if not hundreds of thousands in this same situation. 

An XXXX  supervisor I spoke with admitted to me on the telephone they do and can not not adjust scores when it is proven to them and admitted by the billing entity that it made a mistake even when the original 30 / 60 / and 90 day late and collection in my case are removed at their request. 

Today Experian reports XXXX at XXXX, and XXXX the same. 

The error was for an emergency room visit InXX/XX/2017 the Veterans Administration should have paid. My FICO decreased due to one ER room visit that the VA owed as follows : 1.XX/XX/17 XXXX ( collection-related ) 2. XX/XX/17 XXXX ( collection ) 3. XX/XX/17 XXXX ( pre-collection ) 4.XX/XX/17 XXXX. ( 60 days ) 5.XX/XX/17 XXXX ( 30 days ) Total : XXXX This is a simple fix to a database program.
To CFPB, we previously contacted you regarding Trans Union and their reporting inaccuracies specifically old addresses Case # XXXX XXXX XXXX. Trans Union did not show in their updated credit report to me that the addresses had been deleted only that the current address was showing, even in their own reports they state that " If we were able to make changes we have done so '' it further states in their correspondence an explanation such as definitions like " Updated, verified, Deleted, so as we have stated, Trans Union did not show those deletions as required by federal law.
Bank of America fail to protect my social security benefits from garnishment on XX/XX/2018 by putting a hold on my benefits. Ref # XXXX. How can i prevent this from happening again?
On XXXX XXXX, 2011 the XXXX XXXX XXXX XXXX of XXXX, WI on behalf of Midland Funding LLC, with debt that was bought from XXXX XXXX. Had a judgement place on me for the amount of {$4800.00}. 
My credit amount was {$500.00} and by the time of the judgement it was {$4800.00}. I just received a letter state that I now owe {$7600.00}. I my understanding that XXXX and Midland have had complaint and action take against them in last year about how they handle debt collection.
Credit freezes should be free and easily used via the internet or an automated telephone line.
If I can transfer money via bank accounts using the telephone and internet, I should be able to freeze and thaw my credit the same way.
The recent hack of Equifax and subsequent bad behavior by other credit reporting agencies shows that government oversight of this area is necessary immediately. I should have more control over my data on these services that are an important part of modern life. I must have the ability to freeze and thaw my credit at will, without paying a fee each time.