WillisBack/dataset-financial-user-claim huggingface dataset:
This Credit Bureau is reporting several collection against my social security number. I requested full debt validation three times and This company have fail to provide any proof that debt was validated and verified.
The following account have not been validated 1XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX 2. XXXX charge off
On    2010   XXXX   XXXX  my Bankruptcy   was discharged, And when I go look at my status it 's still listed on my report .I tried to contacting them thru filling out a Dispute and it kept through in me out of there site, quite a few times.
It states these, Derogatory public record or collection filed. ( Not listed ) on other reports .Also time since delinquency to recent or unknown covering all bases.amount owed o  n delinquent accounts should n't be any.proportion of Balances to credit limit is too high on bank revolving accounts do n't have any on file.number of inquiry impacting the score. They gave  XXXX  's  XXXX  a  XXXX  and I have A  XXXX .  XXXX   XXXX  is very deceiving company PS. The Bankruptcy should be off record I have proof I am credit fit as proven by my 100 % pay  Back worthyness.please review Experian  and  XXXX  too thanks again
Navient 's processing of annual income based repayment ( IBR ) requests takes too long - several months ( standard seems to be 3 months ), causing my monthly payment to quadruple or quintuple.
Every year I file my tax return as soon as I have all my documentation. For two consecutive years in a row (   XXXX   and   XXXX   ) I filed my taxes in   XXXX     and immediately submit my IBR request to Navient. I then follow up in a month with Navient to verify receipt.
For two years in a row, Navient takes 3-4 months (  in this case, it is currently   XXXX   and my IBR has not yet been approved ) to process and approve my IBR  request. This causes my student loans to be pushed out of IBR and into standard loan repayment, causing me to overdraft my deposit account and having to put other expenses on credit cards just to repay my student loans. Although I can submit a paystub instead of a tax return, I prefer to submit my tax return as it includes both my husband and my income after tax and will reflect a lower amount than if I submit a paystub.
When I called Navient both years to complain about the amount of time it takes to process the IBR, they offer to put my account into forbearance. I do not need forbearance - what I need is for there to be a reasonable processing time of my IBR request to avoid high monthly repayment costs.
On XX/XX/XXXX and XXXX and XX/XX/XXXX my credit card number was used by someone other than me at Experian XXXX. In earlyXX/XX/XXXXmy credit card was also used by someone else than me at XXXX XXXX XXXX.
I have been enrolled with automatic monthly payments with Navient for more than a year, but I began paying extra money towards the principle of my loan beginning XX/XX/2016. When I submitted the payments online I was given the option of either applying the extra payments towards the principle of the loan vs having the next monthly payment due date advanced. I successfully made an extra payment for XX/XX/XXXX-XX/XX/2016 using the online system. When I attempted to make an extra payment XX/XX/2016 the website was no longer providing the option of applying the extra amount to principle vs advancing the monthly due date. I went ahead and submitted the payment thinking it would of course go to the principle. The next business day I received an email that the loan company had instead advanced the due date of my next payment. I called them twice XX/XX/XXXX- once to have the payment adjusted and let them know that there was an issue with their website ; another time to let them know that they still had n't repaired the website. They assured me that they would get the info to their IT staff and the problem would be corrected immediately. I again attempted to make an extra payment earlier this week. Again the website was not giving an option as to how the payment should be applied. I called the company as I was trying to make the payment. They said that it may have been difficulties with their new website, so they directed me to a link to their old web address. The option still was not available, though they assured me that it would be applied to principle. While my online account is showing that the payment did post to the principle I still received an email that told me that the next due date had been advanced a month. I had to call again to ensure that they were not advancing the due date, which it appears that it was going to do just that. The representative advised me that the website should allow me to apply the extra payment to principle vs advance the due date. I once again told the representative that the website is no longer giving the option. I advised her that I have spoken with Navient on several occasions in the past month to get this situation remedied. She advised that she will send another message to the IT team. I advised her that I will be reporting Navient to the CFPB as this is becoming rediculous how many times I have had to call them with no remedy to the situation.
Refer my CFPB Complaint # XXXX. Debt was XXXX XXXX XXXX account. Was contacted over 4 years ago ; I ran into lack of job and other financial difficulties. Card is charged off ; Contract sold to PLATIMUM HOLDINGS of XXXX, CA. - File # XXXX. I dispute notification of debt and account. I was contacted XX/XX/XXXX by a Process and Services Agency called XXXX XXXX XXXX, and was informed after calling number for more info, spoke to XXXX XXXX, a Claims and Mitigation attorney with XXXX XXXX XXXX in California. He gave me Case info and that it had been sold to Platimum Holdings, a Client of XXXX XXXX XXXX. This Debt is OVER 10 YEARS OLD, and the statue of collections was to expire XX/XX/XXXX, per XXXX XXXX. My Original balance about XX/XX/XXXX was {$980.00}, but was informed by XXXX XXXX that interest and penalties accrued, unbeknownst to me, to a balance of {$2800.00}. I want balance down to a more manageable amount if it is required to pay off, even though it is a charged off account. I want my file removed and released and do not want to be contacted by XXXX XXXX. County, VA court system. I could not make payments, fell short, tried to contact and get resolution, lost contact with whomever was holding debt. Was not notifed it was reported to another collection agent and then sold. Account " dropped into a crack. '' Does not show in my current credit files. Why notification now, over 5 years no contact, no notification and account sold and not informed. When I try to obtain more and better employment, this should not be in the records to hold me back from gainful employment. These companies " did not act in good faith '' to try and contact me until now. When verified, my DOB, info and address are current and on file, so there is No Excuse of no contact from XXXX XXXX and Platimum Holdings. XXXX XXXX gave me contact number for Platimum. It is : XXXX and they are in XXXX XXXX, California. To my knowledge, my credit is in good standing. I do not need this issue hanging over my head. 
XXXX XXXX original Credit card account number : XXXX
I have received a 2nd collection notice related to a XXXX bill for an account that I had not opened. Original notice was resolved over the phone XX/XX/XXXX, I had not lived at given address. Now a different credit company is trying to collect on same XXXX account in XX/XX/XXXX. I am now putting dispute in writing. XXXX does not offer any help in resolving issue.
After pulling a copy of my credit report i notice that the credit bureau is reporting inaccurate outdated information on my credit report and i had requested that this information be updated and fixed but my request has remained ignored.
I signed up for a CITI/XXXX Card while on a trip to XXXX XXXX in XXXX. The reason was you would get XXXX XXXX miles if you spent $ XXXX in the first XXXX mos. I did that and more, actually charged over $ XXXX and paid it off on time. I noticed the other day I never got the XXXX miles. When I called them they said I had cancelled a CITI card last year and if I had read the fine print I would have know I was not eligible. Somewhere when I applied for the card WITH the XXXX miles I should have been informed I was not eligible. On top of that I do not remember or have any record that I ever had CITI card before. I have been a primarily an XXXX customer for over 30 years. We also have a XXXX XXXX ( our bank ) XXXX card and a XXXX XXXX we use for overseas travel. I think they told me when I cancelled it but they could not say how much and when I charged anything on it. I talked to XXXX levels of management and all I got was you should have read the terms and conditions and we are sorry. I cancelled the card immediately. My beef is that I keep a file on credit cards and I have no record that I ever had a CITI card. I do n't expect to get the miles but they should have their hands slapped at a minimum.
I was told that Discover student loans will be participating in a loan modification but every time I call to have my 11 % interest rate reduced, they ca n't do anything about it. It is unheard of to pay 11 % on a loan that I can barely afford. They only tell me I can defer the loan or go on forbearance in which the amount that I will owe each month will only get higher. No one is helping me out on reducing the interest of the loan.
XXXX XXXX  is reporting the wrong information to the three credit reporting agency. I have disputed this account to XXXXr Card, XXXX, Equifax and XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have made numerous phone calls to XXXX but the issue has not been rectified. I filed a complaint with the XXXX XXXX XXXX ( XXXX ) and CFPB ( XXXX ) in XXXX. The executive office of XXXX Card responded that the information being reported is accurate. I sent certified mail to XXXX, XXXX and Equifax in late XXXX or early XX/XX/XXXX disputing this inaccurate information that is being reported by XXXX Card. I just did a credit check on XX/XX/XXXX and the information is still inaccurate. I have started a legal action against XXXX XXXX, XXXX, Equifax and XXXX. 

My credit history should report the payment being charged off in XX/XX/XXXX, not XX/XX/XXXX. On Equifax, it is reporting multiple charge off months and late payments but none of my  on time payments which is not an accurate reflection of my payment history. It is showing multiple charge offs months on XXXX up to XX/XX/XXXX. This is gross FDCPA and FCRA violations. I have extremely stressed out by this ordeal. I wrote a demand letter to all three credit bureaus to delete this information from my credit profile since it has failed to report accurately but to no avail.
THIS IS NOT MINE. EQUIFAXWILL NOT REMOVE XXXX XXXX XXXX XXXX Hide Details XXXX   XX/XX/XXXX {$14000.00} XX/XX/XXXX PAYS AS AGREED {$14000.00}
IN 2015 I WAS THE VICTIM OF A ARMED ROBBERY AND MY IDENTITY WAS STOLEN AT THAT TIME. I HAVE MY ORIGINAL POLICE REPORT OF THE INCIDENT AND NOW YEARS LATER I HAVE DISCOVERED FRAUD ACCOUNTS ON MY CREDIT REPORTS. I NEED THIS INFORMATION BLOCKED SWIFTLY. THE CREDIT BUREAUS HAVE EXTENDED MY SUFFERING LONG ENOUGH. 

THANKS FOR YOUR HELP AND ATTENTION.
On XX/XX/XXXX, I went to the TD Bank locates at XXXX XXXX XXXX in XXXX, Fl in ref to an account being opened in my name. I received a statement from XX/XX/XXXX-XX/XX/XXXX with a XXXX balance. The bank rep, XXXX XXXX XXXX, said the acct was opened on-line and they immediately closed it. I informed them I had my personal info compromised in the IRS release of info and had a police report for that. I had a police report written for this incident. 
In the last week I have received two ledgers with checks and deposit slips for my new acct wITH TD Bank, each with a different acct number. Both ledgers were sent to my house. I called their Fraud dept and after being on hold for 30 mins, was disconnected shortly after the fraud employee answered the phone. I called back and have been on hold for 25 mins again after explaining to the receptionist I am a victim of fraud agai with their bank
INNOVIS FAILED TO REMOVE XXXX XXXX LOAN AND XXXX XXXX XXXX.
My credit card company charged me a late payment fee which I disputed and the company did waive the fee but now they have increased the minimum monthly payment because of the late payment fee, which they waived but somehow it is still affecting my minimum monthly payment and will be affecting it for the next 6 months. They refuse to make an adjustment to the minimum monthly payment and insist that the payments will remain as they are for the next 6 months.
I originally made a dispute regarding a XXXX account in my name. I went ahead and paid the account so I could get it off my credit while I disputed the account with the company and the credit bureaus. The XXXX response I received was that I needed to provide them with evidence that was not previously presented. So I sent them in the proper documentation. I then sent them a letter requesting a description of the procedure they utilized to verify the account. They sent a letter back stating they did n't have to forward any information to the creditor and basically it was not their problem. The other XXXX credit bureaus have corrected this account and it is no longer on my credit report. I also requested them to add a statement to my account regarding an account with XXXX XXXX and they are the only credit bureau who has not complied with my request. I am including the documentation I have relevant to my case. I would like this account updated and/or removed and I would like the statement that I requested added to my credit report. This credit bureau is one of the most difficult to work with because their responses are evasive or they pretend like the request is suspicious. When you request specific information, they ignore the request and send the response back that they want to send. Please help. Thanks.
Noticed a collection account from a XXXX XXXX XXXX that first appeared on my credit report in XX/XX/2018 for {$480.00} I sent two certified letters demanding debt validation with return receipt. First one dated XX/XX/2018, the second one XX/XX/2018. No response was received from either letter. ( Copies attached ) This account is not mine and I dispute as was outlined in the letters I sent.

I want this information removed from my XXXX  and Equifax credit reports immediately.
The company Ditech assessed a late fee for a payment. According to the Ditech representative I spoke with, the only way to make sure the late fee is paid off without the payment going to the principle or interest on the loan is to pay {$19.00} to have a representative take the payment over the phone. 

This is an unfair fee to cover a late fee of {$70.00}. 
Other methods of sending in a check are no guarantee that the late fee will be paid according to the representative I spoke with at XXXX XXXX CST on XXXX XXXX, 2017. 

What is the purpose of this unreasonable fee for making transactions over the phone?
The credit reporting agency did receive proper documentation to confirm that the account was mine. When I asked the credit bureau they could not provide me with specific details on how they came to the conclusion that a debt was mine. There were documents bearing my signature, and not other evidence. I am not sure how they can investigate and come to a conclusion without proper documentation.
We have had a continuing issue with XXXX XXXX XXXX XXXX posting payments on time. Latest issue was in XX/XX/XXXX. Payment was due on XX/XX/XXXX. On XX/XX/XXXX, I paid {$1500.00} ( considerably more than the amount due and enough to pay the entire card ) on-line via our XXXX XXXX bank account. XXXX XXXX records show they sent the {$1500.00} payment via paper check through US Mail on XX/XX/XXXX. I was disappointed that these two mega banks could not find a way to transfer funds electronicaly to each other, but thought all would be fine because we still had 4-5 days until payment was due. Should be enough time for mail delivery and posting, or so I thought. 

Unfortunately, XXXX XXXX did not post payment until XX/XX/XXXX, a full 18 calendar days after I sent funds on line through XXXX XXXX. Either XXXX XXXX did not truly send funds on XX/XX/XXXX, the check got held up in the mail, or XXXX XXXX was very slow in posting payment. In the meantime, XXXX XXXX sent an update to credit reporting agencies that we were 60 days past due on payment. My FICO score dropped 41 points overnight as a result. We are looking to re-fi our home mortgage, and this dropped my score below 700. Now the lender we were working with is no longer willing to give us best rates. 

In researching this issue with both XXXX and XXXX, we have learned that this has been a consistent issue for several months- payment takes up to three weeks to post ( I have dates from bank statements, confirmed by XXXX XXXX ). By the way, XXXX XXXX service has been terrific. XXXX not so much. My understanding is that XXXX has contacted XXXX to confirm to XXXX that they ( XXXX ) sent payment on XX/XX/XXXX. So, XXXX should be well aware that this is their error- not mine or XXXX XXXX . 

My complaint is that XXXX seems to have sloppy operations where it takes them up to two works or more to post payment after they have evidently received it. Their neglect should NOT have a negative impact to my credit rating. XXXX XXXX has been great. I have made mutiple calls to XXXX and they say their is nothing they can do, other than to look into it again which will take an additional 60-90 days. They have alrady looked into it and sent me confirmation that eveything they have reported is accurate. I have very little confidence that they even understand my complaint- THAT IT TAKES THEM TWO WEEKS+ TO POST PAYMENT. They seem to be stuck on their actual posting date, and say all is accurate because the posting date is what was sent to reporting agencies. They keep missing my point that the whole issue is that they have had a check in hand for two weeks and they have failed to post it. Not my fault they have XXXX operations, but my credit rating has seen considerable damage as a result of their sloppiness.
I received this email [ redacted for confidentiality ] : '' Dear XXXX x XXXX, Thank you for submitting your payment on XXXX/XXXX/XXXX. 

This email serves as confirmation of your payment. Please save for your records. 

Payment Confirmation # : [ xyxyxyxyxyx XXXX XXXX : {$1500.00} XXXX for : XXXX/XXXX/XXXX To view your payment status, log in to your account at Navient.com. 

We appreciate the opportunity to help you navigate the path to financial success. 

Sincerely, Navient Customer Service '' No payment was drawn from my bank account and the website offers no record of the payment being processed. I do not know why I received a confirmation email with no follow up when the company did not succesfully draw a payment. Navient should not confirm payments unless it actually completes the transaction.
On Mon XX/XX/XXXX XXXX CDT 2018, I called XXXX Customer Service and a representative from XXXX XXXX XXXX answered the phone from the XXXX number after going through the automated system. The representative did not identify the company that she represented, or that she was attempting to collect a debt, or that any personal information collected would be used for that purpose. I told the representative that I had a XXXX transaction from my sister that had not come through to my account, and the representative responded that she would be happy to assist me in resolving that issue, ( which the company has no control or access to even view XXXX account information or transaction, much less the ability to assist with XXXX transactions between two people ). My full name, email address, mailing address, social security number, personal XXXX account information, and phone number was provided to her. She was unable to find any information regarding me, and only then, when I became highly suspicious, did she inform me that she was not a representative for XXXX but rather a collection agency. XXXX XXXX XXXX did not identify themselves and through this omission of identification they therefore implied misrepresentation by impersonating a XXXX representative under the guise of assisting me with rectifying a personal family money transaction in order to obtain private, legally protected personal information for which I would have not provided had I known the truth. I recorded the conversation and can provide it if needed.
On XXXX XXXX 2017, CommonWealth Financial Systems reported Four ( 4 ) new collection to the Credit Bureau 's at the amount of {$61.00}, {$1500.00},  {$110.00} and {$70.00}. 

CommonWealth is not valid to collect in the state of Florida and it also shows that company license is revoked /voided. 

I am requesting company to stop reporting to the Credit Bureau 's and also to remove/delete what have been reported. 

Collection Agency CommonWealth Financial Systems XXXX XXXX XXXX XXXX XXXX, PA XXXX
On XX/XX/2018 I received a letter from Chase stating they had issued a credit of {$210.00} for a dispute filed with a charge from the XXXX XXXX on XX/XX/XXXX for {$210.00}. The letter further went on to state onXX/XX/XXXX the merchant provided a credit of {$210.00} and that they believed the credit to be a duplicate and thus reversed their original credit. I originally called into the Chase dispute customer service line to notify them the credit and disputed charge was not related. Chase requested I send in a letter requesting this dispute be re-opened stating this. As requested on XX/XX/XXXX I submitted a letter to chase with the return receipt which should have been issued a credit from XXXX XXXX but was not, as well as the receipt for second credit issued by the XXXX XXXX proving these were two separate transactions. As of a letter dated XX/XX/XXXX in response to a CFPB complaint, Chase still has yet to review or reply to the letter detailing the difference in the two transactions detailed in my letter and has failed to investigate my dispute or issue a credit for the disputed transaction. Thus they have violated the Fair Billing Practices Act.
Bank of America 's Mortgage Servicing Department has put in place an automated phone system that does not work properly and as a result, not all of its borrowers can get access to help from a mortgage servicing representative. 

I have difficulties using automated voice response systems. Bank of America has made it impossible to speak to a representative without entering or giving identifying information to the AVR system first. This means that in order to speak to a representative, I have to have someone from my branch call in for me, which reduces my privacy and adds significant time. 

This requirement could be a problem for the elderly, XXXX or anyone who does not speak XXXX or XXXX ( there are no other language options ).
It makes it much too difficult for someone who needs help - a miscredited or lost payment, etc - to get the help that Bank of America is required to give.
In my case, we did get behind on our mortgage for one month but we BELIEVE we have caught it up. But there is an extra charge on our mortgage bill that we do n't understand and I have not been able to reach them to talk about it because I can not get through on the phone lines. 

I 'm not sure what Bank of America is legally required to do as a mortgage servicer but I do know that this is not a consumer-friendly way to deal with people who are dependent upon them for accurate, prompt and responsive service.
Hi, I want to buy a house and borrow Heloc and I have found out that one of the mortgage loan got mixed up with my sister because we both have same XXXX. This is the second time it happened to me and I tried many times trying to dispute with Transition and call XXXX about the error but they just to point their finger at each other. It has been more than 2 weeks now and I am running out of time to clear the credit report so I can close the transaction on XX/XX/2017. Please help me resolve this issue as soon as possible. Thank you