WillisBack/dataset-financial-user-claim huggingface dataset:
Ally Financial removed their bureau report from my account resulting in an upswing in points. Ally has twice reported the same account to my bureau report that, including late payments from XX/XX/XXXX and XX/XX/XXXX, that have been negatively impacting my credit again. I do not understand why the entire account is reporting after being removed from my credit report
We have a second mortgage with TCF bank. For the past 11 years we have been paying {$440.00} per month. We used to get a once yearly statement. Recently we have getting a monthly statement. I realized that the amount of principal credited each month was questionable. It should more principal credited each month.. From the enclosed statement you can see that was not the case. In fact almost 2 years of payments show no principal reduction at all. As you go over the statement you find many inconsistencies. Such as we have made the XX/XX/XXXX payment on XX/XX/XXXX. The principal on the statement said {$250.00}, yet we were credited {$120.00}. We were credited {$170.00} on XX/XX/XXXX and then {$140.00} on XX/XX/XXXX. Why would it be less? Why would it be less again on the next payment? I called TCF on Tuesday XX/XX/XXXX at XXXX my time.I spoke with XXXX and she had no explanation. The called last 26 minutes and she acted like I did n't know what I was talking about. She said she would send out a statement and call me in a week. I received the statement which have enclosed. Today is XX/XX/2017 and no call back The money is automatically withdrawn by TCF from another TCF account on the XXXX of each month. Due to circumstances at the time we had to accept a loan that was not very good. We have lived up to our part of the agreement all these years. Due to a first mortgage that is almost paid off TCF would not refinance this loan.
Navient has places XXXX individual items on my credit report and will not provide the information that is being requested of them in order to validate the loans and confirm the information within. In addition to not providing the appropriate documentation and also reporting to XXXX and XXXX that I have had late payments within the last 12 months. My credit reports also states that navient has managed my account since the inception of the alleged loans which is also inaccurate. Navient has been unwilling to work with me in relation to the matter but has stated that my requests are frivolous in nature. Navient has violated the XXXXFDCPA and FCRA. I have asked on numerous occasions for a validation of debt and somehow they are able to validate the debt with XXXX and XXXX but not me. All communications have been sent via registered mail and I have pointed out each violation, but yet while under investigation, they still report which is another violation. Navient is not compliant to do business within the state of TEXAS and at this point lawfully has no right to report anything on consumer credit reports. Navient is indeed a 3rd party debt collector and has not filed with the state of TEXAS nor do they have a BOND issued by a accredited bonding company. In addition to the items provided above, they have also not been able to provide the wet ink signature for the contract that I have within the company which is an additional violation. Due to the negative derogatory item on my credit report I have been turned down for loans and business opportunities due to the derogatory items that they have placed on my credit report. I request to see the verifiable, valid proof ( an original contract with wet-ink signature on it, copies are not validations ad by law are not considered proof ) I would like for navient to remove each XXXX items from my report based on the information provided above. I also seek damages for the issues and hardships they have caused me for suppressing my credit scores in an effort to get payments from consumers.
I recently switched banks. When I went to change my bank account that was setup for autopay, I put in the new account information and everything seemed fine. I then find out several months later that Navient had flagged my account for fraudulent activity. None of my payments had been processed and they were telling me that I was behind on payments. I then went to check the autopay settings and my bank account information had disappeared. When I tried to re-enter my account information it said that the account was flagged for fraudulent activity and that I needed to have my bank send their fraud department a letter stating that it was my account. I called my bank to inquire if Navient had ever tried to withdraw the money, my bank said that they had not nor had they tried to contact them in any way. I had my bank send them a letter certifying that it is my account over a month ago but they still have my account flagged for fraudulent activity and wo n't let me pay with electronic withdrawal. I have tried contacting their fraud department numerous times but nobody ever answers and the calls just redirect to their overseas call department which are no help at all.
I sent a letter 7 months ago requesting that several creditors be validated and removed. The creditors were removed and then greater than 30 days later the credit reporting agency placed the creditors back on my credit profile. I sent letter informing them that this is illegal and on  XXXX / XXXX /   2017  I received a new report with no change.
I have attached a copy of the Consumer Financial Protection Bureau order of 2015 pertaining to the collection process on medical debts. This federal agency has levied millions in penalties against several medical collection agencies for abusive collection practices since the 2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on Experian, XXXX  and XXXX XXXX respectfully. Since the 2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.
I spoke with a representative at Ad Astra about planning to make a payment of {$50.00} a month and was told that my payment wasn't enough. The representative was really rude and disrespectful. I failed to get the name of the representative. The company call me a lot and recently when I pick up the phone they hang up in my face. I am attempting to work out a payment plan with the company however my attempts have been unsuccessful. I am not negating my responsibility- I just experienced a financial hardship which caused me to get behind on my payment. The company calls me excessively from XXXX but fails to work with me with me yet harrasses me.
In XXXX 2016 I renewed my application for my IBR plan. I was aware that my new income would increase my payment, but was expecting to hit my standard payment maximum that was given to me in XXXX 2016. Navient processed my information incorrectly and is trying to get me to pay significantly more per month than I should have to pay. From the studentaid.ed.gov the cap on my payment amount should be " Never more than what you would have paid under the Standard Repayment Plan with a 10-year repayment period, based on what you owed when you entered the IBR Plan. '' However, Navient representatives were claiming that I no longer qualified for the plan and would have to reapply and receive a new level payment. Some representatives even told me that I would have been better off not reapplying for the IBR plan and just letting my application expire. All of this seems like gross incompetence. 

After many calls I was able to speak with a supervisor who confirmed that I was incorrectly placed on a new level payment plan and should instead be paying my standard payment maximum given to me in XXXX 2016. This was a relief as this was the first person in a month who I talked to that seemed to know what was happening. 

I was told that my case was going to the processing team to be fixed and that I would be contacted by her soon. A week went by with no contact, so I reached out only to be able to leave a voicemail. After not receiving a response I called back on the general Navient line only to be told I should wait, that supervisors always respond to their voicemails. I waited two weeks, and then called back on the general Navient line, and through many hoops I was told that my case was being worked on. Wonderful! 

Today I received contact from Navient. I was hoping to see that my plan was fixed only to see that they had incorrectly processed my plan again, for a new HIGHER payment than my previous one. So after two months, many calls and complaints, and confirmation from a supervisor that my plan is was incorrectly processed nothing has been resolved.
I received a call this morning from a group that identified themselves as a courier service that wanted to make sure that someone would be available at my home to receive legal documents. 

When I asked what legal documents the person was referring to they let me know that they would have to transfer me to XXXX XXXX who had more information on the situation. XXXX, the representative for XXXX XXXX let me know that Ace Cash Express was seeking a civil suit against me for a remainder owed on a payday loan from XXXX of 2015. 

When I just spoke with XXXX she let me know that her company was not a debt collection company and that was why she failed to let me know that her call was an attempt to collect a debt. It was my understanding from our conversation that she was representing XXXX XXXX in a civil suit being levied against my by Ace Cash Express. 

However, Instead of providing me with just that detail XXXX told me that I could resolve the Civil Suit by taking care of the remaining balance due with a credit or debit card over the phone with her. I gave my information to avoid any further possibility of a civil issue and XXXX told me that the suit would be cleared immediately.
HERE IS THE FIRST EMAIL I SENTGood Morning XX/XX/2015 re stop payment removalOr it was until this happened! @!!!!!!!! 
I put a stop payment on a payment I had made to XXXX that cost me {$31.00}. ... I now have to pay a late fee because when I went to pay XXXX online it did n't work. I was not told that it takes 2 business days to remove it. I called the so called Customer Service Dept. and what he said floored me., " I am sorry but there is nowhere in the script that says to tell you about the 2 days it takes for it to be removed. The supervisor XXXX XXXX told me that.. I said " does n't that sound ridiculous '' ... The XXXX answer was " that 's what it says '' Now if I do not get that {$31.00} removed and that script is not changed I am going to write to the Banking Commision as this is ludicrous ... also my daughter is an XXXX and I know she would love this story ... 
XXXX EMAIL XXXX.XXXX.2015Since this email below that I have not received a response to now I am having a hard time believing that no one can help me release a stop payment ... What in the world has to happen behind the scenes to get a release down. Sounds to me like the airline co. that charge you to flip a switch which made the judge pretty mad. 
so now my XXXX payment will be 6 days late because first no one let me know when I set up a stop payment that it takes 2 Business Days to release it ... First ludicrous statementand XXXX I release it XXXX Wed XXXX XXXX and now I find out it wont be released until Mon XXXX XXXX ... 
SO SINCE NO ONE IN THIS CO. IS WILLING TO EVEN ANSWER ME i AM NOW GOING TO THE BANKING COMMISSION AS WELL AS XXXX XXXX TO EXPOSE THE RIDICULOUS BANKING RULES THAT PROBABLE ONLY APPLY TO CUSTOMERS WHO RUN YOUR BUSINESS AND NOT THE PEOPLE THAT WORK THERE.\
I have disputed several paid, closed student loan accounts a number of times as having incorrect data listed. Each time, Equifax has opened a reinvestigation, and then closed it as being accurate. I requested twice the proof that they investigated the accounts as I have proof that they are incorrect based on information obtained from the National Student Loan Database and in speaking to the original creditors. 

I received nothing, just repeated updates that the accounts belong to me. 

XXXX/XXXX does n't list a Date of first Delinquency, and lists my account as being late 150 days prior to the end of my 6-month grace period on XX/XX/XXXX. The account was defaulted based on an incorrect time period, and has since been paid in full through reconsolidation in XX/XX/XXXX. XXXX has refused to remove the status that it is currently in a delinquent state and it has been negatively affecting my credit at a greater impact for more than 2 years. 

There are XXXX collection accounts listing a " collection '' as the only status in XX/XX/XXXX. XXXX of the loans were paid in full in a previous consolidation with XXXX in XX/XX/XXXX. There is also a loan listed that was never dispersed. The XXXX remaining entries are repeated multiple times for XXXX loans that historically existed, however ALL of the listings state that the tradelines were inserted in XX/XX/XXXX, and also list the date of the delinquency as XX/XX/XXXX, which is over a full year after the first 30 day late of XX/XX/XXXX, and after the default dates of XX/XX/XXXX and XX/XX/XXXX. I disputed these repeatedly over the last year and a half. Equifax has refused to investigate this with due diligence, otherwise they would have discovered these errors. Equifax also refused to listen to me when I told them it was inaccurate and demanded proof that they investigated it under the requirements of the FCRA.
This is the second complaint I have filed. Your company sent a inquiry to Citibank and their response has been to go back and other fraudulant charges made by the same establishment apply back to my card after they initially removed them from what I owed. They tacked on charges of approximately 12000 dollars that a bar ( XXXX XXXX   ) charged me when I never purchased anything near the amounts they charge me. I sit there and drink beer there is no possible way I worked a bill to the amounts of XXXX. Its insane and others have complained on reporting sites. Citibanks justification for charging me the fees is that I admitted to being present at this establishment. That in no way means I racked up that much in a bill. The bar is run by gangsters and no one is stopping them from over charging and not having he customer sign for their bill. I need someones help. I have this card for many years and this is the only time ever I have filed a fraud case.
yes I contacted portifolio recovery by phone and fax requested proof that they validate this false dept with XXXX XXXX they stated they would they never did
Enough people, like me, I do hope report the injustices of banks like Wells Fargo taking advantage of the hard working earnings of tax payers like myself. Wells fargo, advertises their consumer products and markets them towards people, just like me, hard working, and family oriented. And the facts are in XX/XX/XXXXI was charged {$420.00} in overdraft fees, and XX/XX/XXXX, I was charged so far, {$240.00}.
Wells Fargo knows what they are doing is immoral, because when you call, they immediately with very little effort, refund portions of overdraft fees with no issues. BUT, the problem is, they refund portions, to quiet you from continuing your complaints. They do not refund all of it, although they are clearly in the wrong.
1. Forcing customers to have overdraft protection, that they are unable to opt out of having is wrong. And I mean fully opting out of overdraft protection, meaning, all transactions are rejected, rather than it ever being possible to have a negative balance. THIS IS TRUE OPTING OUT OF OVERDRAFT PROTECTION AND IT USED TO BE GRANTED, now it no longer exists.
2. Charges are posted not in the order I make them, but in the order from highest to lowest by the banks choice. It is done to cause overdraft fees.
3. They now have a messaging system, that is supposed to inform you when you have insufficient funds. Only problem is, if the account has a positive balance ( and it should n't because you 've made charges ), it wo n't send you the messages. So this mechanism is not in tune with what your ACTUAL account balance is, thereby making it useless, and actually more confusing.
In closing, Hard working people, should be encouraged to succeed, not be further suppressed by multi billion dollar banks using predatory practices towards their financially ordinary consumers.
This needs to come to an end and I want my rightfully owed {$660.00} back in my account.
This is Ally Financial who call constantly call. It 's XXXX on Sunday and I 've received XXXX phone calls already. They either do n't answer when I pick up or hang up on me ( like they just did this 4th time calling ) or they finally talk and I advise them I have payments posted online to be drafted from my account to refer to their online system and stop harassing me. They still continue to call every day multiple times a day.
For the last 9 months charges ranging from {$1.00} to {$21.00} were taken from my account! I talked to people from the call center floor all the way to th e CEO 's office  to redeem these charges! They refused to recover the charges! I am filing this report to let you know how they treat their  XXXX  customers! I am a  XXXX    XXXX   patient that is hospitalized quite frequently! Chase Bank decided to tell me that this is not their fault! I should have paid more attention to my bank statement! I am trying to recover overThousands of dollars that was taken from me that  Chase refuses  to refund to me due to their 60 day policy! I only get, {$960.00} a month! There are to many charges to list in this case!
When our draw expired for our line of credit at Bank of America, I was told it would become a fixed rate loan during the pay back period. It is a variable rate instead. I did not pay attention to this until the payment started going up recently.
In XX/XX/2016 I was a victim of Identity theft. Once I found out about this I filed the proper complaints with the FTC notified Capital One of the ID theft. I provided them with the reports and they closed the account. They then sold the account to this company who is now refusing to provide a dunning letter, accept my ID theft report or even validate the alleged debt after sent a letter demanding validation. The statutory time frame for validation is 30 days that has passed and no response. There answer to me over the phone is that they do n't have to validate anything, your not a lawyer you do n't know what your talking about and then offer me to settle the debt for pennies on the dollar. I have stressed to them that this is not mine and they do not care. They said Capital One would not have placed it with them if it was not my debt. I sent a do not call letter and they still call. I sent a debt validation letter that they ignore.
I had a Citi account closed without my knowledge or consent in XX/XX/XXXX. I had received an offer for XXXX bonus miles for opening a Citi AAdvantage card in XXXX XXXX. I had called and confirmed with a Citi representative on XX/XX/XXXX that the account closure would not disqualify me for the bonus I was being advertised. I was ensured that it would not disqualify me. The representative left specific notes about our call referencing the offer. I followed up on XX/XX/XXXX as I did not receive the bonus offer as of yet. The representative I spoke with was easily able to track down the notes from my XX/XX/XXXX call and, after reviewing the notes, reconfirmed that I would be eligible. She submitted a request for an investigation. I received a letter dated XX/XX/XXXX that stated I would not be awarded the bonus points advertised to me and promised me. I followed up on the letter today, XX/XX/XXXX to attempt to resolve this issue. I am now being told no record can be found of the XX/XX/XXXX call and that I would not be eligible. 

I attempted to contact XXXX XXXX, the VP responsible for the AAdvantage credit card program, at Citigroup on XX/XX/XXXX as well and did not receive a reply.
I requested a copy of my credit report from Equifax on-line, but could not get it, so I mailed in a paper request with the required documentation. In XX/XX/XXXX Equifax contacted me and said they needed XXXX document from each of XXXX categories. On XX/XX/XXXX I wrote back that I had already provided XXXX document from each category. Then they never wrote back and never sent me a copy of my credit report. I am a victim of identity theft, so I need access to my credit report to make sure it does not contain incorrect information.
On XXXX XXXX, 2017 I placed an order online " XXXX XXXX XXXX '' for the amount of {$120.00} I never got an email saying it was shipped so after reaching out to the company twice I decided to make a fraud claim through my bank " chase ''  they refunded my money and after a month they took money from my card because they denied the claim And said the reason why they did that was because there was a 120 days period to get my money back and because they do n't have an estimated delivery date they count from when it was purchased and not only are they starting the count from the wrong day they never informed me about the 120 day period and all they said was sorry for not informing me but I ca n't get my money back
This account was placed in collections on XXXX XXXX, 2003 and is over 13 years old. I had the account removed 5 years ago from my credit report. Now this old 13 year old account is back on my credit report.