WillisBack/dataset-financial-user-claim huggingface dataset:
unable to get accounts closed/removed with submitting documentations to credit bureau. in addition att sent a bill to collections that was a error of there. has since been retified but going to to 30-90 days to get it off credit report. every time I find errors its another 30 days with an open dispute..
With reference to Bank of America 's letter no. XXXX I made 2 deposits of {$250.00} each from my retirement account within 90 days of opening the account. The letter clearly states that deposits made from a retirement account qualify for the promotion. Bank of America is contending that the deposit was not made from a retirement account. The bank is even refusing to accept some sort of proof from me showing the deposits are from a retirement account. The letter entitles me for {$100.00} bonus.
My PayPal account got hacked and my bank had to close out my account. However PayPal continued to charge my account and even took money out of another PayPal that I had to create that was not linked to my bank account. They are also stating I still owe them a balance even though the police and my bank had stated that I was in fact not at fault. I would really like to get PayPal to refund the money to me that they stole.
My wife and I filed bankruptcy and the court took half of our income tax return. We received a check for XXXX and deposited it at the BANK of AMERICA atm machine. It was a out of state check that said trustee on it. When the deposit was complete to our surprise it said a hold was placed, without telling us. We contacted the bank and were given no reason why and was told there was nothing they could do. The hold was for two weeks. We have been with this sorry bank for over ten years, never bounced a check nor done anything to deserve this ridiculous and excessive wait time. I want to file a formal complaint ...
I received a bill for {$150.00} from XXXX XXXX and sent a money order for {$150.00} to XXXX XXXX XXXX, XXXX, Maryland XXXX via united states postal service mail and delivery confirmation reports it was received on XXXX/XXXX/2016 at XXXX. Despite this, I received a letter dated XXXX/XXXX/2016 from Receivables Management Systems ( a collection agency for XXXX ) reporting that I have a remaining balance of {$54.00}. I do not, because I owed {$150.00} for the service and paid it in full in XXXX 2016.
Got a call XXXX XXXX, XXXXfrom a company stating they are from Chaplin Financial XXXX Quote '' the reason for this call is our office is in the process of proquesting you to be served by your county processor at your home of place of employment, due to a civil suit that has been filled with our company. In order for this process to be stopped you must contact our office immediately at XXXX Reference #  XXXX If you fail to respond to this message once contacted by the county processor you will be required to have 2 forms of ID, in signed documents. If you are served at your place of employment and are not present your supervisor or Human Resource person will be required to sign for you and deliver the summons to you personally XXXX XXXX ... you have been officially notified. " end quote. got a call from a lady XXXX XXXX she left number XXXX XXXX, XXXX I then called the number and talked to a XXXX XXXX whom then told me that the company was XXXX and XXXX. and that I had payday loans that where using there company to collect a debit. I asked them what companies where charging me, she asked me if I had taken any payday loans out I said yes I gave her the name and she said yes that was one and then asked me if I had any others I gave her another name and she again said yes that to was the other on, so really I was giving her the names of companies and she was saying yep those where the ones, instead of waiting for her to tell me. They were putting a judgement on me and reporting me and going to arrest me, take me to jail, it was going to cost me XXXX, but they would take XXXX off right away and another XXXX so if I paid immediately I would only have to pay XXXX. I told her I had to go to my car and get the debit card, she told me that she would have to email her attorney to see if that was okay and left me for about 30 seconds and she said that he would allow me to do it but if I did n't call back in a few minutes that they would proceed with the judgement and prosecution of me. so I called the loan companies at question and not one of them had a problem and I was up to date with payments and they suggested that is was a fraudulent inquiry. we hung up tried to call XXXX ext. XXXX the number she gave me she said was her personnel phone to her area I called and got a XXXX who actually left me a message the day before on number XXXX XXXX and XXXX which is now not working I called again and got a young lady  receptionist and quickly asked her for the address she gave it to me then I believe realized she should n't talk to me she quickly directed me to the numbers above. today XXXX XXXX no calls and no one showed up at my job or work and most of the numbers are not working. XXXX also told me that the company filling the complaint was XXXX XXXX XXXX XXXX XXXX that XXXX and XXXX and Chaplin Financial hired them to collect the debit,
In XX/XX/2016 my wallet was stolen. I filed a police report with my local law enforcement : XXXX Police Department. Soon thereafter my identity was used to acquire various accounts, namely a car loan with XXXX in XXXX, CA. They opened an auto loan with XXXX. Once this was brought to my attention I immediately contact the detective I was working with at the XXXX Police Department. The detective contacted the General Manager, XXXX at XXXX and after a thorough investigation it was deemed by the General Manager, XXXX, at XXXX, as well as the detective with the XXXX Police Department that this w as in fact fraud. I am providing ALL documentation to evidence such. I have requested multiple times that Equifax remove the Charge Off showing under my name with XXXX as well as remove this account and Equifax as well as XXXX are REFUSING to remove this Fraudulent information which is preventing me from qualifying for a home loan and any other type of credit
My credit score with Equifax has went from XXXX to XXXX in less than one month because of their online dispute process, and them re-inserting previously deleted information. I have sent them over 5 letters requesting for investigation, and now they have somehow inserted a previously dormant and deleted account.
Americollect XXXX- {$450.00}, {$680.00} and {$1000.00} Disputed with the company on XX/XX/XXXX. Company received my disputes on XX/XX/XXXX as it shows according to the certified mail. It is now XX/XX/XXXX and I've yet to hear back from the company. The FCRA gives the company 30 days to respond. I have not gotten a response.
On XX/XX/XXXX I did a wire transfer to my brother for {$25.00}. Within 30 minutes I had to cancel the transaction. I attempted to get a refund and the employee at the XXXX XXXX XXXX # XXXX  in XXXX, WV didn't know how to do the refund and kept getting an error. I got frustrated and left and went back 3 other times attempting to get the refund from Western Union. I made many phone calls and was still unable to resolve the issue and get the refund. I then requested a refund by check on XX/XX/XXXX. On XX/XX/XXXX I was issued a letter from Western Union because the address I gave was not the same as I gave on the original transaction because my address changed. I called on XX/XX/XXXX and spoke with XXXX and was told I had to send a notarized letter indicating my address had changed and had to include a photo ID and a check would be issued and I should receive it in another two weeks. The case number I was given was XXXX. I sent the information back to Western Union on XX/XX/XXXX. I called again todayXX/XX/XXXX and demanded to know when my refund would be issued. I spoke with XXXX who gave me a run around. I asked for a supervisor and was transferred to XXXX who also gave me a runaround so I told her to transfer me to her supervisor and after being left on hold for 45 minutes I hung up. I think it's ridiculous that they quickly take your money but you spend nearly a year trying to get your money back and still have not been able to get your money back.
On XX/XX/18 I contacted XXXX XXXX , XXXX, the company that handles payments and loan servicing, for Citizens One student loans. I expressed to them that I could no longer afford their payment and need to talk about options on how to do so. I informed them that we had recently completed a bankruptcy and would not qualify to refinance. XXXX expressed that there were no options available for me get payment relief and that they were following lender guidelines. I requested to talk to a manager and received the same information. This time she told me my only option was to go back to school atleast half time and that my loan payments would be deferred. At what point does it make sense to defer payments, accrue daily interest, and increase my payments when the loan goes back into repayment. I can't afford the payment as is. The best XXXX could do was file a complaint with Citizens One. So I called citizens one. I spoke with a woman and then a manager. The manager was willing to conference in XXXX and discuss options with me. This was nice. However, it ended in the same result. Nothing could be done. I am a willing consumer wanting to pay my loan, but can't afford the payment. Neither company wants to help. They both kept saying I wish there was something I could do.
I can not freeze/hold credit with Equifax online or over the phone. My husband and I had no problem holding credit with XXXX and XXXX online yesterday XX/XX/2018 using their websites. 
My husband was able to have credit held with Equifax over the phone but their website did not work yesterday or today XX/XX/2018.
This company took over my mortgage in XX/XX/2018 and has been completely negligent in their handling of my escrow and homeowner 's insurance from day 1. They overpaid HUD, shorting my escrow and thus calling for an increase in my monthly payment. Then they overpaid ( TWICE ) my homeowner 's insurance, again shorting my escrow and trying again to raise my mortgage payments. 

NOW they have underpaid my mortgage insurance premium by {$13.00} to XXXX XXXX, risking my home not being insured which would put my FHA mortgage at risk. I am 100 % sure they are doing this in an attempt to force my mortgage into one of their insurance programs to try and steal more money from me. This company needs to be put out of business. Their business practices put people 's homes at risk and are obviously meant to try and make their books look like they have higher mortgage payments coming in than they really do.
Due to a pending divorce from my spouse, I requested a loan modification from my Lender, HSBC, and received an approval today wherein they lowered the payment. However, the interest rate was not changed and is still 9.25 %. This is predatory lending because the current interest rates are 4 % or less and mine is more than double. It appears that they only reamoratized my 30-year mortgage and included my taxes and home insurance payment into the mortgage payment. Previously I paid the principle and interest only and was responsible for paying my yearly taxes and home insurance on my own separately. I have explained to HSBC while I will accept this " modification, '' I am only doing so to preserve my credit and that I am extremely dissatisfied with the fact that my interest in extremely high and not competitive at all.
I have received calls from multiple debt collection agencies, most recently " Viking Services '', on behalf of " XXXX '' for " XXXX ''. I have no accounts, nor have I ever had accounts with XXXX. I have an account in good standing with XXXX with a XXXX balance. The collectors give my name and call my cellphone, but they do not have my address and they give a different social security number and age/birthdate. This is clearly a different person they are looking for. I am not sure where they obtained my cellphone number. I have been explaining this for several years now. I would like this to stop.
Several calls and voice messages were left at my residence attempting to collect debt that I do not have knowledge. I have informed them that the debtor was a different person having similar name to myself and my spouse. I have validated my address and date of birth, and yet the collection agency continue to leave voice messages which are disturbing and offensive, considering to the playback heard by my family. They confirmed that it was a different person, however, the calls did not stop. I requested for a written correspondence from the collection agency that they were attempting to collect a debt from a different person bearing my name. However, they declined to grant my request. 

I am bothered that this is a case of mistaken identity and my personally identifiable information has been compromised or sold elsewhere.
In 2008 I went back to school and needed a student loan. My loan is a private student loan which at the time was with XXXX XXXX whom later transferred or sold it to Navient to be serviced. I was told multiple times by XXXX XXXX that all I had to do was make 12 conescutive on time principal only payments and I would be allowed to have my sister released from being the cosigner on the loan, all I had to do was call and request her to be released. Key word here being request, not apply. When I was finally eligible to do that I contacted XXXX XXXX and was told it isn't a request it is an application and I had to be approved for the loan without my cosigner based on my credit. Well, I was furious, that wasn't what we were told. I then asked if they could provide me with their credit requirements so I didn't waste my time and they would not. I can get approved for a {$45000.00} auto loan at 3.9 % APR without a cosigner, but I can't continue to carry that small student loan myself ( under 10k at the time ). The first time I applied they lost my information multiple times and took over 6 weeks and multiple faxes for them to process it. I was denied. Since my loan is with Navient currently, I am dealing with the same frustration. Not to mention, there is no way to do this in an effect manner. Any communications I need to send to them I have to do via the mail and include all my personal information. No. That is not acceptable. I can not run the risk of my personal information being stolen because Navient only wants to delay everything in regards to your loan. There are no clear credit requirements on the cosigner release form. There are no timelines, like how long it will take for them to get back to you, nothing. I can't even see my original promissory note online, which they apparently reference and follow those guidelines for any type of overpayment allocation. I can't seem to speak to anyone who isn't reading off a script and if my question isn't provided on their script, they don't do anything to help me find the information, they just keep repeating the same XXXX line. I can't find a way to get these guys to release my cosigner as promised, which was the only reason we could do this student loan. I have not missed any payments, paid onetime for over 9 years and I can't get anywhere with them. They are deceiving people to get them into loans, deceiving current loan holders, and just doing whatever they want. If I can't see that information online regarding my loan, there is a problem. I live in XXXX and after Harvy, my original promissory note is not with me anymore. I need information made available to me immediately. I can't believe there is not an area that shows you exactly what your terms are online. everything about this company is difficult. I can't even figure out how and why my payments were applied as they were. And I can only write them a handwritten letter and MAIL it to them, so it takes XXXX near over 3 months for anything to be done, or I can call them. I can't submit documents online and they won't send me documents online. I am so frustrated. I need information and need it done on a timely manner.
I have a Sears Mastercard issued by Citibank, which I have held since 2010. I have paperless online statements and email notification, and I make payments online. I have not had access to my online account or statements for XXXX billing cycles, and can not make payments online. though I receive email notification that a statement is available. I have talked with IR and customer service as recently as today, but they offer no solution nor a timeline for fixing the problem, which they explained as the result of a software upgrade. They offered to send me a paper statement that would arrive 3 days before my payment is do, and when I noted this was a violation of the law, they insisted that there is no legal requirement to send a statement to a card holder. Without online access, I have no access to my cardholder agreement.
Experian has false information in the address. Likewise, they have subsequent agencies who have asked for my credit record to which they are giving false information, and put agencies to which they say I applied. I have not. I have tried to let them know this on line and by phone. Their website recording these inaccuracies would not submit the corrected information. Likewise, when you call their phone number. It does n't work. It says they are having connection difficulties. 

They, not the other two credit monitoring agencies, have false information in my credit report that they have posted, and wo n't correct the information. I have tried to dispute this on line but the website will not let me. Furthermore, I have tried calling to dispute and keep getting the message that your phone lines are down. Furthermore, my middle name needs to be requested. Furthermore, I am not nor have I ever applied for new credit cards or opened new bank accounts in the past three years. I refinanced mortgage XX/XX/XXXX and have a new car loan as of XX/XX/XXXX. I have only lived at one address since XXXX. Any other addresses and credit inquires are wrong. I only have a usaa credit card and do not need nor have I applied for others. Please consider all other credit applications as attempts at fraud.
XX/XX/XXXX   ADP ( www.adp.com ) reissued my  FSA  card. I activated it and used it in   XX/XX/XXXX   and again   XX/XX/XXXX .  XX/XX/XXXX   I went to pay a  XXXX  bill on Friday   XX/XX/XXXX   and it was declined. I called ADP and they said the card was never activated. I told them f or one i activated the card, for two  i used the card twice afterwards. They said oops we dont know what happened. So i told them i need this card reactivated. They said they could not. They had to reissue me a new card. Afterwards i remembered i needed my card now because i was traveling thos week and called back. The  2nd   CSR w as a complete waste of time. While on hold 30 MINUTES called to get a different CSR. She tried to escalate but because of the other  two w asting time and handling poorly closed fir Friday. Called  1st th ing monday morning spoke to escalation person, he said because the  1st CSR put it in as a stolen card that he could not do an ything with the card i have in my possession. I am not sure what kind of hinky, unproffesional, shenanigans are going on in ADP but falsely inputting my card as stolen and shrugging it off which the escalation person did is completely wrong. I am a  XXXX  veteran and i have monies taken out of my check to cover medical expenses. For a company to say oh well not our problem and tell me to take my personal bank monies out to cover THEIR BLATANT MALPRACTICE and NEGLIGENCE, and their answer is for me to pay out of pocket and then file a claim that takes weeks to process. They should NOT be allowed to continue. Who else has this happened to and continues..   CSRS AND escalation codes  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
A company name of XXXX XXXX charge a XXXX debt of {$640.00} on credit report. This does not belong to me and did not have this service.
Transunion continues report inaccurate personal information about me and continuously reports inaccurate accounts on my credit file. I have tried numerous times to ask that they investigate per the FCR A 611 ( a ) ( 6 ).  None of the dusts have ever had a proper method of verification where as they would 've provided me with PHYSICAL documentation and proof of these accounts. They just state words like remains, verified, and meets requirements of the FCRA. In no way shape or form is that a verification. These accounts are not and have not been verified and I have provided documentation that I am again providing along with my identification to delete thees inaccuracies.
There was a debt of {$1900.00} being reported by XXXX on my credit report it was removed in XX/XX/2016 under a company called XXXX now it is appearing back on my credit report under the name Solomon and Solomon for the same account that has already been removed. I have disputed this numerous times with the credit bureaus with no changes made. What can be done to correct this it is hurting my score. I 'm sure I 'm not the only one this has happened to. Is it legal under the FCRA.?
I am writing in regards to a private loan that is reporting incorrectly on my credit files/reports. On at least one occasion I have disputed the validity of the information being reported for this account and the dispute always comes back as unchanged and the account information being reported has been verified.
The issue was clarified in the 1996 amendments to the FCRA, which set a specific starting date that is now SET BY LAW as the last deliqency date, and not later dates, such as a DOLP.
FCRA Section 605 : ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Late Payments - Seven years from the month in which the late payment was due. If there are multiple late payments in one account item, then they will each expire individually. 
Charge-Offs - Seven years. The time runs from the date of the delinquency, plus 180 days. For example, if a payment was due on an account on XX/XX/XXXX, but the debtor defaulted, and never caught up to become current again, and the account is eventually declared a charge-off by the creditor, then the seven years reporting time limit starts running on XX/XX/XXXX, with the item scheduled to expire from his/her credit reports on XX/XX/XXXX. I have attached paperwork directly from the XXXX website that clearly shows the first late on thisaccount occurred on/around XX/XX/XXXX, but my credit files are reporting that there was n't a late on  theaccount until XX/XX/XXXX. This erroneous entry showing an incorrect date of first delinquency is detrimental to my overall credit rating and has caused me severe financial and emotional distress. My question now is how was this investigation conducted to confirm that what is currently being reported is accurate? A template response to my complaint at this point will not be acceptable. This account is not only being in-accurately reported but is also past the reporting limits based on the Fair Credit Reporting Act. If this situation is n't immediately rectified I will be forced to take further legal actions.