WillisBack/dataset-financial-user-claim huggingface dataset:
I XXXX XXXX states a complaint to the Consumer Financial Protection Bureau on a very poor reinvestigation by one of the largest credit reporting agencies. Even though I showed proof that my education loans were always in deferment and that the balances were eventually taken over by another service agency, I have never made one payment ever to the US Department of Education or Federal Loan Servicing Credit. This national agency was only operating as a credit reporting process after the initial procurement of the student loans. The loans were financed privately. Eventually the debt was transferred to another third party. This negative reporting is causing me severe financial hardship. The same credit rating states PAYS AS AGREED, while showing an immediately 90-day late payment status while the debt obligations were deferred from payments. This is highly discriminatory. I am a professional XXXX woman and I find this type of credit reporting to be racially biased and I have zero chance of ever refinancing with this abusive rating process. All credit reporting agencies have a responsibility to maintain the strict standards of not only the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act, the Fair Debt Collection Practices Act, in addition to the high standards of equal rights protections such as the Equal Credit Opportunity Act. I believe that the Federal Trade Commission should have a full investigation on racial inequality when it comes to credit reporting processes and that all credit bureaus should maintain the sensitivity that is essential for fairness pertaining to matters of race. My previous complaint brought no action, even though the negative payment history must be deleted permanently. If I do not receive the proper reinvestigation by the credit bureau against the US Department of Education. I will proceed a complaint with the attorney general of my state residency. This improper reporting process is causing me hard financial hardship that can only be understood by minorities such as myself trying to better their lives through education, and working several full time jobs and raise a family at the same time. My credit report needs to have the negative payment history purged permanently.
XXXX XXXX reported a late / missed payment over 30 days on my credit report without sending me a statement 21 days before the bill was due as required by the credit Card act XXXX, this account never showed up on my online account ; I had Visa, and Master Card which is the card in dispute ; I received three statements for different months in one letter in XXXX after contacting customer service concerning the late payment, and informing customer service I never received any statements on the amount owed ; once I was informed of this debt it was paid in XXXX XXXX, I  never used this Master Card, I have had a Visa account with XXXX XXXX over a year, and never missed a payment, both accounts have been closed at my request ; why was XXXX XXXX holding all of my statements, and sending them to me after a request, and alert on my credit report instead of sending them monthly before the due date as required.
all of the above- trying to force me to pay interest when accounts were under legal advisement of uprigth law for chXXXX. two accounts- one sent to lvnv one sent to XXXX ( a known credit XXXX ) refuses to manage accounts once resold. harassed my cell for over 120K, then continued to do it after sending em a letter saying theyd stop. forces people ( as do many others ) to allow roto-dialers and spam which is extortion and illegal. banks are doing this now ( XXXX, XXXX etc. ) I ever consented to this ABUSE. 
resold the debt after atty hired. refuses to manage to rebuy it back. LVNV non responsive but sent me this note from a so called law firm w letterhead that now also is not responding. ( claims of not a lawyer-they y use letterhead-this is a threat ) will not settle accounts and wants my lawyer info in order to do so ( continuous extortion ) refuses to purge info from credit files ( 5 ) and continues to defame me
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, XXXX and EXPERIAN ). 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. Experian, XXXX and XXXX   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.
Ocwen Loan Servicing has now received XXXX, XXXX modification applications for a HAMP II modification. The first application response " never received '', the second response from Ocwen " nothing '' they said they sent a denial letter and through our attorney, a request was made for a copy of what was supposedly sent to us as a denial and they NEVER sent us a copy. The XXXX application was sent through the courthouse computer and finally months later we heard, " NO MODIFICATIONS ALLOWED ON OUR MORTGAGE BY THE OWNER '', the bank sent the copy of their servicing agreement with XXXX XXXX since our response was " well, for a loan that can not do modifications, we already got an approved HAMP i '' ... ..okay, please send in another application ... We sent in another application and our attorney received a denial letter because " YOU 'VE REACHED YOUR MAXIMUM IN HAMP LOANS AS YOU '' VE ALREADY RECIEVED A HAMP I AND HAMP II ''. That 's completely false. Meanwhile I call Ocwen to just see if they are consistent in anything and I am verbally told by our account manager, that we were denied all kinds of modifications including the XXXX because our mortgage owner " does not allow modification!!!!! '' Now we are suppose to appeal!!!! I will not only appeal, I will be sending Ocwen 's CEO, President OBAMA and the OCC a copy to show how well Ocwen is doing as a federal mortgage servicer of the HAMP mortgages! PS Ocwen has already been fined by the feds millions of dollars for wrongful accounting and servicing. YET HERE WE STILL ARE!!!!!
I have disputed the claim that i owe XXXX a bill and it was deleted per a XXXX dispute i have made several times in XXXX and again in XXXX, per the FDCPA, the creditor had 5 days in order to let me know in writing that the debt is being reinserted in my credit report.I just received a letter from AFNI that I owe them a debt that was deleted from my credit report due to a dispute with XXXX via XXXX direct dispute. This has been disputed and removed several times. I divorced in late XXXX and explained to both XXXX and afni that this was a joint account, I also provided XXXX with a divorce decree and it was deleted. I do n't understand why I have XXXX instances of the same thing reappearing on my credit.
Back in the beginning ofXX/XX/XXXX both XXXX XXXX, and XXXX XXXX have been receiving harassing phone calls here at our employers phone. They know this too because the number they call is not only registered as a business, but as an employee the phone is answered in a business manner. Portfolio Recovery ruthlessly has called here twice each day. After we found out a week ago that Portfolio Recovery has called here since the beginning of the month, talked to several colleagues about both XXXX and XXXX XXXX, XXXX XXXX has spoken too, and asked Portfolio Recovery to stop calling here at our place of employment. Portfolio Recovery repeatedly calls here looking to collect on some kind of debt that both XXXX and XXXX XXXX have no Idea what debt this is in reference too. This morning XXXX XXXX asked Portfolio Recovery again to stop calling here at our place of employment. With just receiving the second call of the day from them, the calls do not stop. Portfolio Recovery has a reputation of illegal collection practices. This company should be shut down for repeated violations and offenses. XXXX and XXXX have already been included in the class action lawsuit that Portfolio Recovery chose to settle from California out of court, and yet again, Portfolio Recovery is falling back to their illegal collection practices. Please put these guys out of business.
I thought under Dodd-Frank that banks had to process transactions in favor of the consumer, so deposits would be processed first then by checks and debit card transactions. I made a cash deposit on the day pending transactions were to be processed which would have overdrawn my account ; I opted out of overdraft protection. My bank, TD Bank, charged me a {$35.00} overdraft fee. Without that my account would not be overdrawn. Can they do that?
Equifax continues to list 3 old closed accounts as open on my credit report that had a late payment. This situation has been resolved long ago with the companies and as instructed, I contacted the companies from the old accounts and had them tell equifax that the accounts are old and to remove the accounts and the delinquent information off of my credit report. This was 3 months ago. I am at a loss as what to do now. It is incredibly difficult to deal with Equifax. 
Please help. These mistakes are driving my Equifax credit score down by 100 points. Neither XXXX XXXX or XXXX list these old accounts on my report anymore. Equifax is the problem.
I am currently in the process of refinancing a loan through XXXX XXXX, my current provider is PNC. As part of the underwriting process XXXX requires that i show 12 months of statements from my PNC account, when i contacted PNC 4 weeks ago they stated they can not provide that information and I need to login to their site to get my statements, they proceeded to tell me i needed a pin to create an account they said it could take 5 business days. When 5 business days went by i called them back they stated i must have missed it?? so they supposedly sent another one again after 5 more days no pin so i called back to speak to a manager which to my surprise was not present at the cll center so again i requested a pin, another 5 days went by and no pin. My next step was to go to the local branch according to the local branch they were on a different system and could not provide statement regarding mortgages. It has now been over 4 weeks since my first request andI still can not access my statements no one has followed up and i feel as though i am being held hostage given i can not provide the necessary required info to refinance this is unbelievable that this kind of thing can happen. Given the review i have read this seems to be common practice for this organization and should be addressed ASAP.
On Saturday, XXXX XXXX, I deposited {$40.00} at the ATM XXXX, Union Bank, XXXX Ca XXXX. The ATM returned {$20.00} ; I resubmitted the {$20.00} Bill again. The ATM malfunction, stated it returned my Deposit ... The ATM asked if I need more Time, I stated no..no response and I stated yes ... My ATM Debit Card was returned to me and then a Transaction Receipt for Hardware Failure and Attempted Deposit of {$0.00}. I Called Union Bank to file a Claim and received a 15 minute wait, call back. I entered the Branch and the Teller explained that the ATM was not accepting Deposits ... there was not a sign or notification to this fact. She further stated that a Service Technical would be out, I should file a Claim and if confirmed my Account would be credited the deposited amount. Claim XXXX was filed with Union Bank.
Must be some other XXXX XXXX XXXX I would have definitley rememebered staying in a $ XXXX apartment.. must have been a loft.. 

I have sent Resident collect several documents and requested a full removal of this collection and they refuse to send me confirmation or even take my information seriously. 

I have documented several instances where they 've violated the FCRA, FDCPA, and best of all the FACTA.. guess they really feel like their above reproach.. makes me wonder how many people out there are being slighted or ripped off by this company. 

Attached are my id theft documents. I can upload the times, dates, and other docs on resident collect if it would help prove my initiative to make contact. thanks XXXX XXXX
I have a loan with Southern Finance located in XXXX XXXX I have never been over 30 days late on the payment. We advised the manager XXXX and the other worker XXXX that I work overnight. When we were not able to pay on the due date or before they would call that is expected. I have a sleeping issue and I am not able to go back to sleep if I am disturbed so we wrote a letter and she dropped the letter off at the office in the drop box in XXXX prior to us making our XXXX payment XXXX XXXX came due. they started to call. On XXXX XXXX they called my cell phone before XXXX! I was very angry. I got into an argument with my wife about it. But then she told me that she did drop off the letter. She called the office immediately and we spoke to XXXX and XXXX confirmed she got the letter.We also discussed the payment. I have a very XXXX and they woke me up I had less than 5 hours of sleep I cant be doing that. I XXXX. I will honor my bill. sometimes I need to pay late and cant predict the exact day but it will never be over 30 days. I just cant have them calling my cell phone during the day they can call my wife now ... I mean they always could but she just started to work and I need to be late sometimes. but not 30 days she has been upset about this I am not sure of my balance but I will pay it off soon. I just aint have about it. I hurt my hand that day and I just ca n't have someone waking me up I have a harrd time Me and my wife talked about it and decided to have me turn off my phone during the day but that just wont work cause I have drivers that need to be able to get in contact with me by text for emergencies. so I need your help Please let me know what I can do so they wont call my cell phone. anymore sometimes I just got ta get my sleep please let me know thanks you
Discover enrolled me in a Payment Protection Program back when I first signed up for the card. Since then it appears to have been on my statement as a small fee that would has gone unnoticed for the full length of my membership with them. Upon calling Discover all anyone can say is that I gave permission for them to charge me over the phone without any additional information, recordings, or names. They then continue to state again all that they attempt to do keep members aware that they are being charged these fees with no statements as to how I was specifically enrolled originally or what they are doing to address such concerns in the future.
After working with Chase Bank on an Internet scam ( XXXX ) for over 18 months with credits applied to my credit card account ( ending in XXXX then changed to XXXX to eliminate this issue ). I closed this account in XXXX 2015 with balanced paid in full. In XXXX 2015 I received a letter saying I authorized them to reopen another account which is not true. Now I keep getting bills with late fees.
I called Comenity bank New york and company and gave them the opportunity to correct an error. I spoke to  XXXX  and she refused to remove a late payment that was recently reported for late payment in  XXXX    XXXX  . This is a violation of the  XXXX  bankruptcy code and my right under FCRA.
I received notification that my home equity line payment was late. I called and spoke to a banker and informed them that I had automatic bill pay which has been in placed for a number of years. The banker told me that for some reason my payment did not get automatically taken out of my account and to avoid late charges did I want to pay over the phone. I indicated that that would be ok. Several hours later my automatic payment went through, as well, causing my checking account to be over drawn.This occurred on a Friday and I was n't informed until Saturday. I was left with no money and had to withdraw from my IRA to cover checks that were being automatically being paid on Monday. I have been informed that the bank will take 10 days to reimburse me my funds which is unacceptable. I want my money put back into my account immediately and refunded any late fees and tax liabilities I am incurring for taking funds out of my IRA. Thank you for your help.
Experion has been reporting to XXXX XXXX XXXX that I have accounts that are NOT MINE - they are XXXX, XXXX XXXX  and XXXX XXXX -i lived in XXXX XXXX , XXXX  where there was ANOTHER XXXX XXXX - my initial in my middle name is XXXX and someone she got my social security number because the USPS delivered wrong mail ( mine ) to her and hers ( to me ) - i filed a report with the XXXX XXXX police department and listed the ones that are NOT mine which are the ones Experion is reporting to XXXX impacting my ability to get an apartment. Because Experion will not work with me to correct this problem and remove these from my account - it totally stops my life I'm XXXX years old and was just relocating to XXXX to start a new life after getting a XXXX XXXX  and a chance to live again - this was after many many years of XXXX  and not working - not living - and now Experion has again made my life impossible I've lived 20 years of health issues and now when I'm healthy once again - I am stopped by someone elses issues - Experion will not let me file a dispute because they believe the information to be correct because it has all my personal information -- yes it does because this other person got all of the information when the USPS delivered my mail to this other persons ' home address and because of her dishonesty - I am the one who is suffering. I'm not saying that I've not had financial issues I have - I had not been able to work for many years and lived on SS but when I could work - I went back to work immediately - saving money to be able to pay for my medications that are expensive as well as saving to move to XXXX   there has to be something that someone can do to stop experion and the other credit bureaus from destroying people 's lives based on information they do not know to be correct ... they are guessing because the information matches only because of identity theft. So at XXXX I once again will be homeless and have nothing because I sold everything i own to be able to move to XXXX and start a new life -- this has to stop somewhere doesn't it -- you get sick with XXXX XXXX, go on XXXX, lose your job, can not work, and someone takes your identify and has a field day -- and I lose.
I have requested my current information be Updated properly on my credit report My name is XXXX XXXX XXXX. My current employer is XXXX XXXX XXXX. The following addresses are not mines please remove delete them : XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The following number are not mine please delete/remove them : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
American Express offered a XXXX card and required {$2000.00} spend in the first 3 months to receive XXXX bonus points. This bonus reward was confirmed by an associate and during that chat I specifically asked how much needs to be spent to receive the bonus points. He gave me a number and I spent enough to get the bonus. I waited for an extended period of time but no bonus was credited. When I contacted customer service they said {$3000.00} was required and I am not entitled to the bonus. I described the conversation with the first associate and they reviewed the transcript but no action was taken. I contacted customer service 3 more times but they only respond by saying it still being escalated. All this after the 2nd associate said it would be resolved within one week. Here we are 2 months later and it is still being investigated. I do not believe anything is being done internally and I am looking for outside assistance to persuade them to honor their commitment.
On my credit reports from XXXX, XXXX, and XXXX there appears a tradeline that I have been disputing since XXXX with the CRAs and the furnisher. 

The tradeline is furnished by Bank of America and lists a XXXX XXXX account number for an alleged conventional real estate mortgage opened in XXXX XXXX. The reference number is XXXX. 

I did not get a mortgage loan from either Bank of America or XXXX XXXX in XXXX XXXX. There is no promissory note, allonge, or endorsement of a promissory note listing either as a lender with me as a borrower. 

The CRAs keep returning verified as the result of the reinvestigations.
I requested a copy of my mortgage note from HSBC on XXXX XXXX, XXXX and I have not received the documents yet it has been nearly 2months now. HSBC acquired the mortgage XXXX/XXXX/XXXX and I have paid on time for 12 years. I am seeking assistance from HomeSafe Georgia because I lost my job 10 months ago and due to my age etc. I have yet to get an interview after working 17 years as a contractor to the Centers for Disease Control and Prevention. I need a copy of the note that is required to complete my application. HSBC has not been of any assistance and is using stall tactics to get my home so they can sell for a profit. HSBC purposely has enormous wait times to speak with someone who is not helpful and then badgers you for a next payment date. I am asking for help to save my home.
I received a bill XXXX/XXXX/XXXX from Navient informing me that I owe {$3300.00}? 
I went to collage for a one week and owe {$3300.00}!! The original loan was in XXXX/XXXX/XXXX for a {$1200.00} but there saying now the original loan was {$2600.00} I have made several payments but with the interest rate XXXX it 's hard to get caught up.
1 ) XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 2 ) XXXX XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 3 ) XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 4 ) XXXX Reported twice on my report " DIDNT AUTHORIZE '' ( UNPROVEN ) 5 ) XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 6 ) XXXX  Reported twice on my report " DIDNT AUTHORIZE '' ( UNPROVEN ) 7 ) XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 8 ) XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 9 ) XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 10 ) XXXX XXXX XXXX XXXX DIDNT AUTHORIZE '' ( UNPROVEN ) 11 ) XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 12 ) XXXX XXXX XXXX XXXX XXXX DIDNT AUTHORIZE '' ( UNPROVEN ) 13 ) XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 14 ) XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN )