WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, I lost employment and after after a few months lost the ability to pay my mortgage. In XX/XX/XXXX, I received a grant from a state agency which paid my arrears in full and made partial payments on my mortgage loan through XX/XX/XXXX. I have not been late on my mortgage payment in 5 years ( there is one exception with an explanation following ) and requested that my account be reaged to bring my account current which would remove negative information - older than 12 months. 

I have kept my financial obligation with Chase since getting my mortgage back on track. While acknowleges that they have the ability to do reage my account, they will only do so if you enter into a mortgage assistance program. Which is ridiculous and a gimmick to stretch out payments and add to the overall cost of your home and compounded interest. My account is not past due and I do n't require assistance. 

I have worked hard to reestablish my credit with Chase and others and this negative information is impeding my progress. Thus, I am coming to CFPB to assist with negotiations to have my account updated to reflect the positive status for 6+ years. 

Thanks. 

XXXX XXXX
XXXX. {$290.00}. Included in filing of Chapter XXXX Bankruptcy. Unsecured debt discharged XX/XX/2016.
I sent 2 certified letters to XXXX, XXXX, Transunion and XXXX asking them to VALIDATED this account ( not a verification ) and send a copy of original documents that has my Wet Seal Signature on it with Certified Copies of the TRUE BILL ( not a statement ) I was informed that this did not apply to them and they didn't have to VALIDATED or do anything amd they closed the case without sending the Proof that the account was in fact VALIDATED etc. I requested information and it was disputed and refused NOW I DEMAND THAT THIS ACCOUNT BE VALIDATED WITH EVERTHING ELSE I HAVE STATED ABOVE and i be sent proof ASAP or in 15 days as allowed this needs to ne sent ny email XXXX and by mail XXXX XXXX XXXX XXXX XXXX XXXX California XXXX demand they send proof to me ASAP by mail and email of te results or I demand the account be removed ASAP
I wrote to XXXX  ; Equifax and XXXX  Credit Reporting Agencies on XX/XX/2018 to challenge the reporting and compliance of a closed account reported reporting under account number XXXX with a balance of {$3200.00}. This information is misleading and is reporting serious factual errors. My identification has been comprised and I am following the instructions of the FTC by thoroughly reviewing my credit and this is when I came across factual errors regarding the account status and account information. The company XXXX XXXX is reporting a partial account number, and this partial identification has hindered the completion of this process. This closed account that is reporting incorrect information it one of ( 2 ) accounts with the same account number being reported by XXXX XXXX and it is causing confusion and havoc to my credit and needs to be removed.
I have been attempting to work with representatives at Selene Finance for over a year on resolving the short-sale or Deed in Lieu of my former home. I am constantly promised return phone calls and resolution to my matter month after month, only to learn that my case has been once again reassigned upon following up. They NEVER return my calls within the time frame given and I am always given " the run around '' when I call concerning the status of my account. For the last two weeks I have been promised phone calls to discuss resolution, but have yet to receive XXXX. I again called today to get a status update, but no one could give me an answer, nor did they have any idea what I was talking about. I have tried to be patient with them and have given them more of my time and information than necessary. Their customer service is a disgrace to the finance industry and is costing me valuable time that I could have had my home on the market and sold, but can not list it without their approval. Their lack of urgency has also cost me XXXX previous interested buyers in the past when my home was eligible to be placed on the market. They have no structure or protocol to follow with respect to these situations, which has brought me to this point.
Our Business has been getting repeated very harassing phone calls from Access Receivables and their employee XXXX XXXX in regards to a debt with XXXX XXXX that we do not owe. He continues to call and yell at myself and our employees. He is attempting to collect debt that we do not owe and has not provided any proof of the debt. They have sent us copies of old contracts, but what they have sent is not current and does not support their claim of the monies owed. I have told XXXX many times to stop calling and he has ignored this request. He has called and upset employees at our business that have nothing to due with vendor interaction or financials by being rude, disrespectful, and yelling.
I am going through a severe financial hardship with my credit cards due to a job loss and I called my banks to ask for help to help me avoid filing chapter XXXX   bankruptcy. A few of my creditors were very nice and offered me great terms to repay my debt and stave off a chapter XXXX bankruptcy. My nightmare started with XXXX XXXX, whom I have several accounts with. I called them and was transferred to there collections department and I was trying to explain to them my situation and was met with the most frustrating customer service experience ever. I could not for the life of me understand why every time I spoke I was met with silence for 20-30 seconds awaiting a reply, and then the reply was an uncooperative and she seemed to simply not understand the nature of the call, no matter how many times I tried to explain it to her. I was CLEAR that I had just gotten off the phone with XXXX and they offered me 0 % interest for 60 months to pay off the debt, which significantly reduced my monthly obligation that provided a big relief. I simply was asking for a similar program, but was met with the worst person to ever handle a phone call.
All three major credit bureaus have illegally hoarded my personal information without this Consumer 's expressed written consent especially XXXX as all of my personal information was compromised in their breach. Pursuant to the 1974 Privacy Act, all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act, all three credit bureaus maliciously and collectively shared this Consumer 's personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a  host of others.
This is related to Paypal credit, In 2013, I signed up for Paypal credit and used it to shop online. My paypal account is connected to my bank account, and in the first few months the credit balance was automatically charged out of my bank account. However, it seems that they changed this setting along the way without my permission. So I was shopping online while my credit bills were not paid, and they did not send me any emails about this. I had a {$500.00} credit there and used about {$200.00} of it, thinking all the time that bills are automatically drawn from my bank account. 
Then after a few months I get a letter from a collection agency. Turn out that Paypal ( or their partner, synchrony bank ) charged me about {$40.00} for late fees each month, and then charged off the whole balance ( {$200.00} spending + {$300.00} late fees ) and sold it to a collection agency, which hugely affected my credit score. 
I ask you to please look into this, and let me know how I can get rid of this debt. ( I have no problem re-paying the {$200.00} that I actually spent )
I started the process of consolidating all of my student loans in XX/XX/XXXX - the process was completed at the end of XX/XX/XXXX. My credit report is showing that my Fed Loans are late 90 days XX/XX/XXXX. I have question as to how this could be when in XX/XX/XXXX the accounts are being reported OK no late account indicated, then XXXX accounts where transferred/closed. 

I have requested XXXX XXXX XXXX to look into the matter on XX/XX/XXXX and then again onXX/XX/XXXX. No response - I have also asked all 3 credit bureaus to validated the information and XXXX is the only one that updated the information to reflect the removal of the 90 day late. Transunion & XXXX come back with account is verified accurately.
Hello Consumer Finance, I 'm not sure where to even begin! I have been battling with Transunion for the last few months and as of late I submitted a complaint against them. I 've had some fraud on my report and its been acomplete nightmare for me. Since I travel I guess I 'm an easy target. AND now it almost seems like experience is retaliating against me in the form of negative reporting. I 'll give you my evidence and what happened and hopefully we can make some sense of it. There was an XXXX ( # XXXX ... ... ) & an XXXX ( # XXXX ) that were and haven {$0.00} balance for years.no balance owed nothing. I filed a complaint against Transunion about 2 weeks ago and as of yesterday morning. Those accounts mentioned both have a balance of $ XXXX. and was reported as a new charge-off and derogatory. ( according to the credit monitoring ). This has sent my credit into a tail spend and my stress and health are taking a toll. Please help me. Here is the attached screen shot showing the XXXX balance chargeoffs for the exact amount and how they showed out of thin air. 

I 'm already fighting with someone using my social and now I have to fight a large company ... I do n't stand a chance. and I think they know that so they keep doing stuff like this to people.
I want to make a complaint about D.Scott Caruthers collection representative I really don't know how much I owe at first it was {$4000.00} I started paying it went down to {$1.00} something, when my mom got a call threatened her if I didn't call back I was going to get arrested.. I wanted to check the recording but of course they didn't let me.. I called and they said it was now XXXX Now I never had a bill mailed only a verification of payment
XXXX XXXX XXXX XXXX loans was transferred to another company. all were transferred and there should be no late payments the loans were all deferred so there should be no negative impact as showing on my credit report. 

I need from XXXX proof from XXXX XXXX XXXX XXXX that this loan was late and how considering the loan was in deferment the whole time of the loan. So there are errors on XXXX  reporting of this loan
I have been going back and forth with Bank of America regarding few fraud charges made to my account. My wallet was stolen and there money was withdrawn from my BOA and XXXX accounts. My wallet had my ID and debit and credit cards. XXXX was the XXXX to call me about the fraudulent activities. BOA account was hit worse. They withdrew the money from the ATM, bought stuff online, also cashed out a check with my name on it. This all happened after I had blocked the debit card. BOA has not been co-operating with me at all. Their claims department is the worst. They are not checking the regional bank camera and records for this fradulent activity. How can anyone walk into the bank and withdraw money from some other account? Whoever stole the money got a debit card from the bank with my ID and old debit card, which I did not have in possession. There was a replacement fee of XXXX $ on my account and there was a debit card issued which I never got hold of. They know its their fault and they are denying each and every claim made. I need some serious help. I have been constantly been denied inspite of police reports and other reports of money being stolen from other banks, including my XXXX account. Other banks were very helpful but BOA is giving me a XXXX XXXX. Please help!
I have requested this company stop calling me numerous times. I 've called back and asked to speak with a supervisor, was hung up on several times, finally got through to somebody claiming to be a supervisor and assured I would no longer be called. I explained I would file harassment charges. They 've called back and the same scenario has played out for the XXXX time today. I do n't know XXXX XXXX He obviously had this number before me. I believe XXXX XXXX is deceased to be completely honest.
I am contacting the Consumer Financial Protection Bureau in regards to an old account which is still appearing on my credit report in violation of FCRA Section 605 with all 3 credit reporting bureaus ( XXXX, EQUIFAX and XXXX ). The account in question is a XXXX XXXX   opened in XX/XX/XXXX. The partial account number is # XXXX ... 

I am contacting this agency after hearing about your effectiveness in forcing credit reporting bureaus to follow the law. I had previously written to them regarding other violations on my credit report but they had inaccurately validated them and I have been slowly fighting those accounts personally in order to have those creditors fix and or remove the inaccuracies and this process has taken a very big toll on my stress levels and it has not been easy. I am finally successful in getting those inaccuracies adjusted and would like to come to this platform regarding this XXXX  account because XXXX XXXX refuses to open a new investigation for me because this card has been closed for over 7 years and it is past the statue of limitation and also because they no longer have my information on file. 

My complaint is that this XXXX  credit card had its final payment made in XX/XX/XXXX. That is over 7 years ago and this account is still reporting to my credit report with countless lates and delinquencies, which is illegal. 
There are other inaccuracies as well. XXXX, XXXX and Equifax have incorrect dates for the LAST payment on this account and it seems illegally re-aged because it is showing that I made payments AFTER its closure in XX/XX/XXXX which I NEVER did. So, for some odd reason this account was illegally aged over 6 months when in actuality the FINAL payment was made in XX/XX/XXXX. This account should have been deleted from my profile completely in XX/XX/XXXX,  according to FCRA law. It has illegally been reported as being paid past its final payment and its closure and this is absolutely incorrect and damaging to my credit report. This account was settled in court in XX/XX/XXXX and I have had no responsibilities to pay them monthly since XX/XX/XXXX.
In XXXX 2017, I did several disputes with Transunion on the website and the action was seemly completed. Today, XXXX XXXX, 2017, I obtained my Transunion credit report through www.annualcreditreport.com. <P/>I called in to Transunion at XXXX XXXX XXXX XXXX to inquire about the results of the disputes in which the representative named XXXX XXXX informed me that the results were mailed to an address in which I do not reside nor did I list on the disputes.I asked for the document and updated credit report to bne mailed to my correct adderess and she stated she could not as Transunion does not have a copy of that dispute result and since it was already mailed she could not. <P/>I then informed her I have a security freeze, she confirmed it was still active, and that I have the security freeze document which was mailed prior and I received at my correct address in XXXX 2017. <P/>I also asked if the phone call was being recorded, she confirmed that, I informed her I was writing down the time : XXXX XXXX EST on XXXX XXXX 2017 and that I request the phone recording, which she said Transunion does not provide the phone recordings. I informed her I did not believe that was accurate and possibly violated my rights, both recording me without permission and also not providing me that recording as well as not correcting the results of the disputes being mailed to an incorrect address. <P/>I asked XXXX XXXX to please send me to a higher authority at Transunion to request this same action in which I spoke to XXXX XXXX, her supervisor, who also informed me of the same information, in which I asked him to please keep record I called in and also that I am requesting both phone recordings, and have the results of my disputes to the correct address in which both representatives denied my request I asked for both representatives Employee IDs to provide to this complaint, both told me the names XXXX XXXX and XXXX XXXX and that they both resides at a call center in XXXX. I respect both persons, however I do not respect Transunion for not informing these representatives who reside in XXXX that as a U.S. citizen, my reports and information are by law, mine, and I requested and was denied the dispute results ( XXXX XXXX, 2017 ) and updated credit report ( XXXX XXXX, 2017 ). In addition, I requested the phone recordings and my request was also denied. <P/>I informed both I would seek a government authority to request these items. <P/>I ask Transunion to please answer my complaint and that the CFPB take necessary action to inform of the correct procedure to request these items, and also inform and correct Transunion for violating my consumer rights.
I need my XXXX title to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX already got paid for ... or I will just put lien on XXXX XXXX whole business XXXX YALL THINK I DONT KW WAT THE XXXX GOING XXXX XXXX XXXX XXXX AND STILL IS EVEN IF I GET CAR BACK JUST TO SHOW HIS XXXX XXXX I CAN JUST LIKE HE DOING IMMA PLAY YALL XXXX BETTER THAN YA XXXX XXXX  ... and doing XXXX XXXX today since XXXX XXXX want to sit up and lie to my XXXX face go XXXX some were which y'all clone XXXX and taking y'all XXXX to court for misleading practices XXXX STOPS WITH ME AND DESE XXXX GAMES WE OUT WITH KIDS AND Y'ALL XXXX WANT TO PLAY GAMES GIVE MY XXXX BACK FOR IT GET REAL UGLY OUT HERE LAST WARNING NOW TRY ME XXXX XXXX XXXX XXXX IN THAT INDIANA OFFICE U CAN BE FOUND for XXXX with my intellegence ...
I recently checked my credit reports as i have not done so for many years and find that this account is reporting inaccurate information which is causing a negative affect on my credit. 
I request that the creditor verifies the information it is reporting and provide me with copies of the account details such as when it was opened and the payment history as this account is unknown to me, i have no records of owning this account.
I am filing this complaint, against Equifax ( Credit Reporting Agency ), after exhausting all other avenues of resolution. My complaint is in regards to a particular tradeline that appears on my account for an unknown medical collection account. The tradeline is as follows : XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ) Account # XXXX I have engaged in the following correspondence with Equifax. : XXXX/XXXX/XXXX : XXXX XXXX to Equifax, requesting VERIFICATION of the above account with XXXX XXXX XXXX. I requested the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. XXXX/XXXX/XXXX : Response from Equifax. Equifax responds by UPDATING this unknown account to reflect a {$0.00} balance, and a change in address. Reporting it as a Paid Collection. I wrote to the reporting CA requesting validation and received no valid response XXXX/XXXX/XXXX : Letter to Equifax, notifying them that this account is disputed, and providing them with a copy of my letter to the CA XXXX/XXXX/XXXX : Response from Equifax requesting further information from me, which I provided in the previous correspondence already. XXXX/XXXX/XXXX : Follow up Letter to Equifax with information they requested, concerning this dispute. XXXX/XXXX/XXXX : Received response from Equifax, notifying me of the need for the VERY INFORMATION I SENT THEM. It is CLEAR that they made no attempt to properly investigate or verify this account, or produce any documentation that shows that the reporting CA had any right to report on this unknown medical account. They have FAILED in their responsibility to me as a consumer with respect to their FCRA practices. In a phone call with Equifax about an unrelated issue, the Representative informed me that for THIS tradeline, they had no documentation which would authorize them to report on this account, based on any legitimate claim by the CA. Nevertheless, the tradeline persists on my report and has done SEVERE damage to my creditworthiness at a critical time. At this time this unknown medical account appears ONLY on my Equifax report.
Attempted to freeze credit report w/TransUnion via XXXX XXXX XXXX  Learned that, to do so, I need to have/create an account. Clicked " Do I already have an account? '' link & learned that since I had previously filed a Fraud Alert, I already have an account. Do n't know logon info so clicked 'forgot username/password ' link & landed here : XXXX XXXX XXXX  This page asks for SSN ( x2 ) +last name. Input info & got error mssg that the SSN I input was invalid so I wound up attempting to input multiple more times before this page popped up : XXXX XXXX XXXX  ... which has a blatant typo/improper grammar. Tried to reach a person at TransUnion to get help freezing credit report & learn if I was just scammed by a fake page but could reach nobody. 

So, I think a scammer just got my name & SSN by spoofing ( is that the term? ) TransUnion 's credit freeze page.
I have three credit cards with Citibank. They are the Thank You Preferred, Simplicity, and Diamond. Both the Diamond and Simplicity are tied to the same bank account ( e.g., Bank A ) for payment. Note : The Simplicity card is set up for automatic monthly withdrawal, the Diamond is not. The third card which is the Thank You Preferred payments are used from another bank account ( e.g., Bank B ) and is not tied with either the Simplicity or Diamond. Bank B is my mother 's bank account and I did not have access to her routing nor checking account number that would be required for new payment setup. Note : The Thanks You Preferred is also set up for automatic monthly withdrawal using Bank A to pay it off faster. 

On or around XXXX XXXX, I was informed that Citibank withdrew funds from Bank B not Bank A for payment on the Diamond card. This was an unauthorized withdrawal. Back in late XXXX, when I spoke to the customer service representative to make a payment on the Diamond card for a XX/XX/XXXX payment, I only authorized it for Bank A, not Bank B, because I did not have my mother 's routing nor  account number, which is required by Citibank to set up a new payment account. I called Citibank the same day to make a complaint and they informed me that they would investigate the matter, however I have not heard back from them. 

On XX/XX/2018 I was once again informed that Citibank withdrew funds from Bank B for the automatic payment of the Simplicity Card. Again this was an authorized withdrawal, I only authorize automatic payments for Bank A. Once again I reached out to Citibank to inform them of a breach and they said they would investigate the matter. 

I want CFPB assistance with this complaint because my mother 's account has had over {$600.00} of authorized funds withdrawn. In addition her bank ( Bank B ) has said that Citibank has set up automatic payments from her account ( Bank B ) which is not true. I believe this is a data breach or system error that has had dire consequences. My parent is elderly and this is unacceptable. 

Enclosed in my compliant are the following : -Screenshots of online account for Simplicity and Diamond displaying that only Bank A is tied to them.

-Proof that Citibank has withdrawn funds from Bank B