WillisBack/dataset-financial-user-claim huggingface dataset:
1. In XXXX of XXXX, without notice I stopped receiving online bills in which I relied on to make my payments. 
2. In XXXX, XXXX I realized this and on XXXX XXXX I called to pay off the balance and cancel my credit card. I asked to have XXXX of the late fees removed in which the representative agreed to remove {$40.00} and told me that my final balance would be {$51.00}. I agreed to make a phone payment in which I was given confirmation # XXXX. I was told that my card would be canceled per my request and that my account would be closed. 
3. Then in XXXX I received a call from Macy 's credit department telling me that I owed more money and on so I looked up my account and found that on the XXXX statement, my final payment of {$51.00} was credited to my account as a payment but they never removed the late fee of {$40.00} that they agreed to. I was also charged another late fee of {$40.00}. 
4. On XXXX XXXX I called Macy 's back to resolve this and spoke with a representative who did not speak XXXX fluently and I had a very hard time understanding her. She also did not understand what I was trying to tell her. Because of this I asked several times to speak with a supervisor and after being put on hold 3 times with no result I asked to have a supervisor contact me and ended the call. No one ever called me back. 
5. I then went on line and sent an email to customer service and was given the same contact number I called on XXXX in which I was still waiting for a call back. ( see email response ) 6. I then contacted the legal team XXXX, out of XXXX and on XXXX/XXXX/XXXX a letter was sent out to Macys disputing the late fees they kept charging each month and asking for someone to contact us. ( see attached. ) 7. After no response and late fees continuing to be charged on late fees, I asked XXXX to send another letter which they did on XXXX/XXXX/XXXX, ( see attached. ) 8. And after again no response, I checked my credit report and found that Macys reported me late with a balance of XXXX. This amount is all late fees and interest that occurred during the time period that I was trying to contact them. They did not respond to either my calls or my letters.
I received a collection letter f rom LJ Ross  on  XXXX  for an unpaid account from  XXXX  on  XXXX / XXXX /  XXXX  . I was sure I paid that account in full but being so long I was n't exactly sure now ... So I sent a dispute letter on  XXXX  asking how I owed on this account a nd why LJ Ross  is collecting on this account but never received any information back. Under the Fair Debt Collection Practices the collection agency is not allowed to further collect on this debt until it is verified. They are still trying to collect by posting it to my credit report.
I have contacted all three major credit bureaus regarding the reporting of my paid in full/as agreed never late with XXXX ; XXXX has sent in request to remove late payments however the credit bureaus refuse to remove late payment reporting.
I took XXXX XXXX XXXX to court onXX/XX/XXXX regarding a {$1500.00} bill. They XXXX out the balance during mediation, rather than risk my winning in court. I checked my credit report shortly after the court date and noted that the debt was actually removed from my credit report, prior to the court date. <P/>Today (XX/XX/XXXX ), I received a credit alert and found that the XXXX XXXX XXXX debt is back on my credit report.I contacted the agency, Diversified Consultants, and they told me that they did not report it ; and even so, they told me that they do n't remove items from credit reports. I asked to speak to a supervisor, who told me that XXXX XXXX XXXX recalled the debt, but that they did not actually report it to the credit bureau. After I insisted that it was on my report, I was told to send them screen shots of my credit report and that they will get back to me. <P/>The fact that they told me they do n't remove items from credit reports, and the fact that they are unable to even locate a record of the report, leads me to submit this complaint. <P/>I have submitted a photo of the letter from XXXX XXXX XXXX 's legal counsel, as well as the screenshots of my credit report that I was forced to send to Diversified Consultants, since apparently they do n't keep records of the debts they send to the credit bureaus.
Apparently I have a name that 's easy to search and find mailing address and phone number. Consequently I receive dunning phone calls and letters demanding payment of debts that are not mine. NEVER mine. It seems to me the callers could take XXXX more minute on the internet and confirm I 'm not the person they 're looking for. I 'm absolutely sick of these calls and letters and can not find any way to stop them. I suggest a regulation that mandates some level of validation before these collection agencies take the easy way and just call or write everyone, hoping to get a response from the XXXX they 're really after.
Navient made several false reports to credit buruaes concerning my private student loans serviced by Navient. 

On or around XX/XX/2018, I enrolled in a reduced payment plan with Navient. I scheduled a payment at that time, to be debited towards the end of XX/XX/2018, for the reduced amount. That amount was to be debited from my checking account monthly for the next 9 months. I was told that no negative reporting would be made to credit bureaus as long as I was current with the reduced payments. 

In XXXX, no payment was debited from my checking account. I called Navient on XX/XX/2018 to discover the reason for this. It was then that I was told that the Navient representative I spoke with on or around XX/XX/2018 did not properly enroll me into the program. 

I spoke to Navient representatives on XX/XX/2018, XX/XX/2018, and XX/XX/2018. All the representative I spoke with have admitted that the false reporting to credit bureaus occurred due to Navient 's errors. However, they have all decried their inability to retract the false reporting, citing Navient 's policy. 

On XX/XX/2018, I received a call from XXXX in the Ombudsman 's department of Navient. He stated that the phone call was recorded. On the recorded call, XXXX admitted that at the time the report was made to the credit bureaus, ( 1 ) I should have been enrolled in the reduced payment program but for Navient 's employee 's error, and ( 2 ) even though I was not enrolled in the reduced payment program, my account was NOT in a past due status warranting credit reporting. 

XXXX admitted that it was Navient 's error that caused the false reporting to the credit bureaus. XXXX XXXX stated that another internal Navient department had reviewed my request for retraction and granted it. However, XXXX stated that the retraction would not take place until my account was no longer delinquent. 

My account is only delinquent at this time because of an error by Navient which caused my XX/XX/2018 payment to not be considered a full payment, caused me to miss my XX/XX/2018 payment, and caused my XX/XX/2018 payment to be the first payment in the payment reduction program I should have been enrolled in starting XX/XX/2018. 

On XX/XX/2018, XXXX informed me that the employee who did not properly enroll me in the reduced payment program on XX/XX/2018 is no longer employed by Navient. As I told XXXX, that takes care of Navient 's problem, but it does not address mine. That employee 's damaging actions will only be corrected when Navient retracts the false reporting. 

Navient 's policy should be overwritten immediately due to Navient 's error in causing the false credit reporting.
XXXX   XXXX ,  XXXX  CFPB :   XXXX   denies me credit as retaliation for complaints that I have filed against  XXXX  and disparages me to other financial institutions, causing them to also deny me credit. Because of that, I have been homeless and automobileless for the  past five ( 5 ) ye ars.   XXXX    claims that I owe it over {$140.00} on my    XXXX     Visa Platinum C redit Card, in information that it has supplied to Credit Bureaus. In its Affidavit of Mortgagee on ARM Loan  XXXX ,  XXXX   XXXX ,  XXXX ,   XXXX    alleges that it performed more than {$140.00} of Maintenance on my   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , IL  XXXX , built by my parents,  XXXX  and  XXXX , in  XXXX . In fact, NO Maintenance had been performed. I perform my own Maintenance.  XXXX  threatened to take away my  XXXX   XXXX  and the personal property of  XXXX   XXXX   XXXX   XXXX  generations of my family, if I did not pay the Undeserved Maintenance Fee.   XXXX   intimidated me into paying the Undeserved Maintenance Fee.   I demand that   XXXX   remove ALL negative information that it has supplied on me to Credit Bureaus, as the Undeserved Maintenance Fee, that I paid, more than covers the alleged Outstanding Balance on my   XXXX    Visa Platinum Cre dit Card.   If CFPB can not get   XXXX   to agree to this, then I request CFPB to get  XXXX  to accept payment from my    XXXX    Checking Account to Completely Pay Off the alleged Outstanding Balance on my   XXXX    Visa Platinum Credit Card. And remove the negative   information.     Sincerely,  XXXX   XXXX   XXXX ,  XXXX  XXXX  XXXX
Recently XXXX XXXX wrote back to me, and addressed my concern about a late payment in XX/XX/2018 and I was told to forward that letter to Experian and XXXX  ... Experian and XXXX  still will not remove the late payment ... I do not understand, and litigation will surely follow ... I am quite displeased with the false reporting, and XXXX verification method which is faulty, and have so many consumers displeased ... the companies and collection agencies are not verifying these items, and even when this is brought to the attention of the bureaus that still insist on violating the law and our rights ...
I called capital One bank to dipute credit card information that was incorrect on my credit report on XXXX XXXX, I spoke to a supervisor and they could not locate any account with my name or social security number. I was told by supervisor that they will send an email to XXXX to have account remove from credit. its has been more than 90 days and information is still listed
I was an authorized user ( NOT FINANCIALLY RESPONSIBLE ) on the following negative accounts that are illegally impacting my credit negatively : 1. XXXX XXXX XXXX on XXXX 2. XXXX XXXX  on XXXX and Equifax 3. XXXX XXXX on Equifax 4. XXXX XXXX XXXX on Equifax
I recently applied online via the American Express web site for a DELTA RESERVE CREDIT CARD FROM AMERICAN EXPRESS, with an annual fee of {$450.00} USD. Prior to completing and submitting the application and being approved, there was no disclosure of the fact that an additional fee of {$170.00} USD per year is applicable if I wanted my secondary cardholder to have the RESERVE card ( rather than the default PLATINUM card ). This is an important item which should have been clearly disclosed in the Terms & Conditions prior to even getting to the application page. For American Express to make this disclosure only *AFTER* I had already completed the application and *AFTER* I had already been approved as the primary cardholder is misleading, deceptive and dishonest. I called American Express to report this issue and to file a complaint, which was supposedly escalated up the ladder within American Express " for review '' but was shocked that no one would be following up with me directly on this issue. American Express agreed to downgrade the secondary cardholder to Platinum and refund the fee after the fact, but this completely ignores the fact that my decision to apply for the RESERVE card itself was based on the understanding ( due to lack of disclosure ) that there would be no additional fee for the secondary RESERVE cardholder. What recourse do I have? I feel that American Express should be legally required to provide this disclosure PRIOR TO APPLICATION AND PRIOR TO APPROVAL, which was not done in my case. On the basis of this lack of disclosure, I believe that I should get the secondary RESERVE cardholder at no additional cost for each membership year and for as long as I keep the primary RESERVE card account.
It was brought to my attention when pulling my 3 credit bureau reports that I had an account with XXXX XXXX. I contacted them on many occasions and ask for proof that this indeed was my account and was told they only had the last 4 digits of my social, my phone number and address provided to them when the account was purchased from the claimed original debtor. I informed them they would need to provide me with legitimate proof that this was me. I began to dispute this account on my credit and it was removed by XXXX  due to no proof of ownership but XXXX and XXXX have chose not to follow suit. I researched and found out that XXXX XXXX has a terrible tract record for their collections tactics. The following is a copy of the letter I sent to the 3 credit bureaus. To date, Midland has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year Midland has had to pay close to one million dollars in fines and penalties due to their unlawful business procedures which violates consumer rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. On several different occasions I have asked Midland to provide me with documentation that the account is indeed correct and have been told by a supervisor there that it was provided once many years ago ( I never requested it and this account is due to be removed in XX/XX/2019 I believe ) and they would not send it again.
XXXX XXXX XXXX requested a credit limit increase on XX/XX/2018 and below attached will be the reasons for the denial in the letter provided by XXXX stating " Past and or Present delinquent credit obligation as reported by agency bureau reports. '' XXXX XXXX XXXX had items negatively reporting due to a mistaken identity ( similiar name ) in XXXX of 2018. These item 's were disputed and removed. But yet these item 's are reporting still to XXXX XXXX XXXX 's lenders. Please investigate and have this resolved. Below will be a copy of the denial letter, along with current copies of XXXX XXXX XXXX 's transunion credit report. And a fico snap shot of where his score dropped in XXXX due to the fraud on his credit report.
On XX/XX/2018 I sent out a dispute to the credit bureaus regarding the inaccurate reporting from this account. 

This account reports my account currently as Past due, 120+ days late, Charge Off account, update my credit as past late payments from history on days this account was already closed. This is a BIG problem as I filled for Bankruptcy and was XXXX in XX/XX/2018. So all negative information that was described and reported recently account my credit report is VERY inaccurate and is a MAJOR violation of my rights. 

It is now over 60 days in to my dispute and this company fails to conduct proper investigations per FCRA section 609 and 611 that if this was done, the incorrect reporting would be deleted. This account fails to research and delete the inaccurate information from my reports.
I opened a checking account with Huntington Bank online on X/XX/2017, and my wife opened a checking account on X/XX/2017. My son transferred {$2000.00} each to my account and my wife 's account on X/XX/2017 from his checking account at XXXX XXXX. We tried to return the money to his account by transferring, but my account and my wife 's account were frozen. We were locked out of our online accounts, and had no access to our funds. I did contact customer service and was told that the accounts were under investigation for a possible fraud. I was also told in one instance that the remaining balance for my account was {$2000.00}. My son tried to transfer that money to his checking account on X/X/2017 initiating from XXXX XXXX, but it bounced back on X/X/2017 due to the freeze. This is reflected in the statements for his checking account, as is the initial transfers. Please see the transaction descriptions for corresponding account numbers. Finally, we closed my account with Huntington Bank on X/X/2017 and my wife 's account on X/XX/2017. We were told over the phone that the balance of the accounts would be sent to us. Attached are the letters sent to us regarding the account closures. For my account, the letter states that the remaining balance was XXXX. I received no money. For my wife 's account, the letter states the remaining balance was {$300.00}. A check for that amount was included. I 'm not sure how that amount came to be, but I suspect it had to do with the {$300.00} bonus for opening the account and depositing {$2000.00}. We have called Huntington Bank many times and even sent a letter. The people answering the phones have no idea on the situation, and we have never been allowed to talk directly to the fraud department, which also never contacted neither verified with us via any format such as letters, e-mails or phone calls. Every time we called, nobody has been able to tell us where the originally deposited money is or provide records of transactions in the accounts. We did not receive any statements until I sent a letter questioning where our money was. Those statements are attached here and do not include any time frame when money was deposited to the account or withdrawn. The one for my account reflects X/X/2017 to X/X/2017, and the one for my wife 's account reflects X/X/2017 to X/X/2017. Our accounts were n't even open during those periods, and we did n't have access anyway. Furthermore, the statements all the way from initial transfer to now for my son 's checking account show that no money has ever been sent there from Huntington Bank.
Regarding case # :  XXXX  The above matter show 's the wanton and willful deception of  XXXX   XXXX   XXXX . They state the following : "  XXXX  advised the borrowe r [  your, truly ] that educational loan debt is not dischargeable through bankruptcy. '' NOT TRUE,  XXXX   XXXX   XXXX  ... .and you know it ...     I would have to open what is known as an adversarial proceeding, and the standard is that I have to prove several things according to the so-called "  XXXX  test '' ( look it up  ).  But, you tell that lie to the poor and minorities ( like myself ), and in so doing you perpetuate a lie that student loans are not dischargeable through bankruptcy proceedings with the intent to give the WRONG impression that they can never be discharged at all. IF IT WERE N'T TRUE, THEN I COULD N'T FILE AN ADVERSARIAL PROCEEDING ...     I think your deception is at the root of why the CFPB has a major lawsuit against you for your incipient corruption and misleading of the consumer borrower. And, boy, do you mislead.     The fact of the matter remains that I was told that by an entity connected directly to you that all prior negative notations on my account would be deleted when the loans were rehabilitated.     The fact of the matter is that you are not " required '' by the FCRA to report negative past history, but you may, if the information is accurate. Do n't try to mislead -- - yet again -- - with that wrong impression ; I 'm not buying it.     But, in this particular instance, I am only holding to you to the standard that your own representatives  XXXX  or authorized third party ) told me.     Ultimately, I will probably have to file an adversarial proceeding and pursue the matter that way. The likelihood that you are going to ever be fully repaid by a  XXXX  male, in his middle  XXXX  's, with no college degree, and who owes over $  XXXX , when he borrowed not even half that much is, well ... .you tell me.      HAPPY   XXXX ,  XXXX   XXXX   XXXX .   Go get'em CFPB.
On XXXX XXXX, 2016, XXXX XXXX XXXX reported the Consumer Financial Protection Bureau ( CFPB ) and Comptroller of the Currency ( OCC ) say more than XXXX XXXX accounts were opened fraudulently by Wells Fargo deceptive employees, resulting in Wells Fargo being fined {$180.00} XXXX and terminating the employment of XXXX corrupt employees. 
The same massive pattern of fraud perpetrated on the XXXX XXXX accounts continues to date at Wells Fargo Mortgage Loan Modification, and Loss Mitigation Department. Numerous online complaint forums demonstrates this Bank and its employees considers themselves to be above the law and are intentionally violating XXXX Program XXXX XXXX XXXX, and California XXXX XXXX 

Wells Fargo Mortgage illusive employee 's scam currently being perpetrated on home owners thru out the state of California in violation XXXX and XXXX is well documented by us and we can provide detail dates of events to support our contentions. 

In our case, each complete application submitted for a Loan Modification pursuant to the XXXX Program XXXX XXXX XXXX, Wells Fargo Mortgage and its employees will call the next day after receiving the documents to say we do not qualify. When we request for an explanation in writing, we are being told a letter has been sent to us which never seem to arrive in our mail box. 

It should be noted, we have no problem receiving any piece of mail from other parties such as utilities, families and friends from across the XXXX, including Wells Fargo Mortgage monthly mortgage statements indicating pass due and late charges which always seem to arrive in the mail on a timely manner, nonetheless the letter denying us a Loan Modification or the appeal forms to appeal the Banks decision never seem to arrive in our XXXX Mail box. After repeated phone calls and letters to the office of the president ( see attached letter ), we are being told Wells Fargo Mortgage Loan Modification Department records indicates we were notify in writing. 

Similar to the ill-defined Wells Fargo Bank employees responsible for fraudulently opening over two million unsolicited accounts, we are convinced a comparable pattern of fraud exist with the bank by creating denial loan modification letters for its record and intentionally not mailing such letters to the home owners, therefore denying all Home Owners the 30 day period mandated for an appeal, while circumventing XXXX and California XXXX law and proceed to foreclose on the same properties that would have qualify for mortgage assistance. 
The mere fact that thousands of employees at Wells Fargo were involved in opening accounts and moving funds that resulted in customers getting charged fees for services they never requested according to the regulators. 
While we are aware the CFPB does not represent individuals in such matters, there is probably cause which warrants an objective investigation into the number of home owners thru-out XXXX that are victims to Wells Fargo Mortgage continuing circumvent and violation of XXXX Program ( XXXX and other applicable federal and state laws.