WillisBack/dataset-financial-user-claim huggingface dataset:
I tried to get Regions Bank to refinance my HELOC 30 days before it reached maturity. We submitted the refinance loan application and their loan officer XXXX XXXX took 5 weeks to say " no, can't do. '' I was then referred by her to XXXX XXXX XXXX from the Loss and Mitigation Dept at Regions. Mr. XXXX send me a new application, I filled it out. It took me another 20 days to find out by Ms. XXXX XXXX, from Loss and Mitigation Dept that I was denied refinance because I had no sufficient Income to pay the Loan. Regions has not provided me with a monthly payment. I am not late in any type of payment since I dont have any assigned scheduled payment to make by Regions. I am not failing to make any payments. 
We feel Regions is being unfair by reporting us with " Late Payments '' to our credit bureaus since we dont have a way to make a payment since Regions has not open an account where we could make the payments. 
It's not our fault Regions approved us a line of credit 7 years ago and now they change their mind and tell us we aren't worth it of a credit with them. We have a Mortgage loan with Regions that we never failed to make a single payment and made all payments on time while the our HELOC was opened until it matured.
Experian claimed it was mailed to me on XXXX XXXX It has been over 2 months since I requested it..
On XX/XX/XXXX and several times before I sent in a certified mail # XXXX XXXX XXXX XXXX XXXX to Experian , Letter to XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX request for correction to my credit report as it related to incorrect reporting on a XXXX XXXX Account, which was transferred to XXXX XXXX XX/XX/XXXX. <P/>XXXX XXXX finally corrected my credit file to reflect the Date of First Delinquency for that account to reflect XX/XX/XXXX. Per The Fair Credit Reporting Act Section 623 ( 5 ) ( a ) '' A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss or subjected to any similar action, shall not later than 90 days. '' My contention is per the attached information from Experian : Delinquencies remain on the credit report for seven years, so the account will show the late payment and the charge off history for the seven years from the original delinquency date ( Date of First Delinquency ). The original  delinquency date is the date of the first missed payment that led up to the charge off status. <P/>The original date that led to the charge off status was XX/XX/XXXX. Being that XXXX XXXX took well over the legal statutory reporting to report the charge off, I should not be penalized. Once XXXX XXXX was transferred the file, they should have reported the charge off by XX/XX/XXXX ( within the 7 year time frame ). <P/>The 7-year period shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity ; charge to profit and loss, or similar action. <P/>The time clock on the date the account FIRST went delinquent can not change no matter how many times a charged-off debt is purchased, transferred or sold to collection agency. Basically, the purge from date NEVER changes. The charged-off account can bounce from collection agency to collection agency but according to the FCRA, the debt can only be reported for 7.5 years from the date of first delinquency ( DOFD ). <P/>I believe Experian/Experian are guilty of re-aging my file, which is against the law. This item should have been purged. If XXXX XXXX had to internally charge off my account and they decide to do it in XX/XX/XXXX i should not be penalized with reporting of a debt from XX/XX/XXXX. A delay in XXXX internal business processes should penalize me and my family XXXX has not responded to my dispute as of XX/XX/XXXX. <P/>Please let me know if you can assist. <P/>Thank you, XXXX XXXX
I recently moved to California and was in the process of switching to a new Credit Card. I called to cancel my American Express Delta Gold Sky Miles Card and was under the impression it was canceled. However, it was not and there was still a XXXX $ balance on the statement that went unpaid for 60 days. This severely hurt my credit and since I had moved to a new address the mail had not reached me in time to pay this on time. I have now paid all debts and closed all American Express accounts. 

I have NEVER missed a credit card payment until now and as a result all of the " Big Three '' credit bureaus have lowered my credit score by 123 points which has not put me at a " fair '' rating. I view this as highly unfair and furthermore it makes the process of buying a house in my new city extremely more complex. 

I would like to understand what my options are to fix this since I have maintained a pristine credit report up until this time. 

Best, XXXX XXXX
On XX/XX/XXXX, I paid off my federal student loan through Navient 's online account-servicing site. At that time, I turned off the auto-payment feature. For added measure, I wanted to remove all my banking information from the site so that they could not take out the regularly scheduled payment on XX/XX/XXXX, but I was unable to remove it because that would mean that Navient could not process my payoff payment. So I TURNED OFF auto-payment and thought well if the balance is {$0.00}, and auto-payment is OFF, they won't take a payment. WRONG. They processed the regular payment anyway, taking the money from my checking account and reflecting an overpayment credit balance on my student loan. When I called XX/XX/XXXX to have this corrected, the agent immediately put through the refund request, but then informed me it takes 30-45 DAYS to get my money back!!! It was their mistake, yet they are keeping my money for a month or more and refuse to pay interest back to me on money they should not have withdrawn in the first place.
Went to their ATM machine to deposit a check. Machine took my check, then blanked out. When it came back, it went to the main menu. My deposit never reflected in my account. XXXX customer service representatives lied to me saying the money would be deposited into my account while they investigated the ATM. Another said they had never had problems with this ATM ( XXXX, NY ), while the branch manager told me they had all kinds of problems with the transfer of XXXX XXXX accounts ( Key Bank took over XXXX XXXX ). The Key Bank website is lying when they say the ATM in XXXX is open, when it has been shut down, so I was forced to use the XXXX in XXXX. Four days and counting, my money is still not in my account.
On XX/XX/XXXX, on my way home from work, I had stopped by a XXXX to withdraw {$20.00} from the atm on that site, and to make a purchase as well. When I got home, I had checked my account balance and had noticed that {$450.00} was missing from my checking account. Following procedures, I called Bank of America to notify them of fraudulent activity, and that money had gone missing. My account was put on a hold until I had obtain a temporary card, and the {$450.00} was credited back to my account. On XX/XX/XXXX, i went to make a purchase at a local gas station, and my card was being decline. I checked my account to find the reason why, and noticed that Bank of America had taken back the {$450.00}. When i called the bank to question as to why that money was taken, I was told that because I had used the atm at that particular store in the past, that they couldnt find any fraudulent activity, and/or that some one had prior knowledge of my account information and was able to make that withdraw. I argued the fact that I had not made that withdraw, for the amount said, nor did I authorize that transaction to be made. As far as I am concerned there is or was fraudulent activity made against my account. I even went as far to have my claim resubmitted to Bank of America- and again, my claim was denied, with Bank of America claiming that they found nothing that seemed fraudulent.
my name is XXXX XXXX, I had a credit card with XXXX XXXX XXXX   XXXX XXXX, while in contact with the collector, I received a Summons My complaint is because the process has been very abusive and misleading and almost fraudulant, I wasnt very experience of what to do when received the legal documents, so Capital one doesnt is not trusfull. 
TODAY I RECEIVED A DEPOSITION SOBPOENA ( date issu XX/XX/XXXX ), I also received a Notice of taking deposition records only, I also received notice of consumer of privacy rights for date XX/XX/XXXX for production of business records the envelop has a stamp of XX/XX/XXXX and I received the documents on Saturday XX/XX/XXXX.

Capital one alreary have a Judgement for a credit card I owned then, but when I tried calling them to make payment the lawyer wont call me back ... Now is this legal so like I mention Capital one has a  judment and wont make payment aragenments and now what to take a deposition not for Capital one but for XXXX XXXX XXXX, for the record I have alegations agaist XXXX XXXX XXXX and for the record I have in the past been agrevated by multiple entities including dafamation of character or I believe a stragety used in the past that I am XXXX to doght my entity I feel Capital one is one of them in how in the past reports to the credit berourow including reporting multiple time for the same item. and as I mention XXXX XXXX XXXX wrongfully denied my mortgage loan for any financial assistance after been a victim of a federal crime ( bank robbery that happened at work )
After disputing an auto account from Credit Acceptance they continue to verify the account as mine even though I have submitted the police report that outlines the account as not my liability. The reporting of this account is causing damages to my credit rating and my image. I will continue to take necessary steps to have this account removed from my credit reports and my responsibility.
I have contacted XXXX, XXXX ( Portfolio Recovery Associates ) and XXXX XXXX XXXX ( XXXX Bank ) to report that I am a victim of Identity Theft. 

I completed all neccessary paperwork and proof. The companies have billing statements for me going to an address in a different state that I never lived in. The companies has not give me any kind of documents proving I am responsible for the these debts. 

All I want is the debt that I am not resposible for and did not authorize anyone else to use to be cleared from my name.
XX/XX/XXXX : applied for home equity line of credit on line. At the end of the process I was prompted with the following message : " This message confirms that we have successfully received your application. Your Loan application information is provided below. Your application will be assigned to a lending representative within the next 24 hours. If you have further questions regarding the status of your application, please call XXXX and mention the below loan application ID number. We value your relationship and thank you for choosing Citibank for your credit needs. ". 

XX/XX/XXXX : Since no one contacted me, I called Citibank to follow up. I called the XXXX at XXXX XXXX and spoke with a representative who after providing her with my SSN, stated she couldn't find my application data that I submitted on line. I stated my concerns about : a- Protecting my private financial information I included in the on-line application. And : b- The impossibility of refiling on line again since I already used my email on the application she couldn't file. And : c- The possibility of a conflict which may occur if I filed over the phone or in person, with the now missing on line application data, which may cause future delays to the processing of my loan application. 
The conversation ended at XXXX XXXX, and the representative stated she will check with others and call me back. 
Since I didn't hear back from Citibank, I called again for follow up. I spoke to about 6 representatives who kept switching me around as if I was punished for asking where my information is. The shuttling around lasted from XXXX XXXX to XXXX XXXX - all conversation recorded by my security camera. The last person said she couldn't hear me! I spoke with about 6-7 persons from Citibank some were able to hear other claimed they couldn't, and I used the same phone in all calls I made.

My complaint is about not being able to apply for credit ( home equity credit line ) to an equal opportunity lender bank. I do recall the same harassing treatment from Citibank when I applied for my home mortgage in XX/XX/XXXX, and that I was only able to proceed, after complaining NYS banking department and to Citibank managers. As I wait your response, I intend on calling Citibank tomorrow and again try to reach a supervisor.
I demanded that the following account be removed from my credit report : XXXX XXXX XXXX   Account # XXXX
DATE XXXX-18 OVER 30 DAYS XXXX, Equifax, XXXX  HAVE NOT COMPLIED WITH REGULATIONS. 

EQUIFAX CERTIFIED MAIL # :XXXX Equifax. XXXX   XXXX XXXX. XXXX, GA XXXX. 


Dear Sir or Madam : I am a victim of identity theft. The information listed below appears on my credit report but I did not make or approve of these accounts, phone numbers, addresses, names, inquiries request for credit resulting in a credit inquiry. This happened because of identity theft.
While monitoring my credit, all of a sudden this collection account shows up out of the blue. I write them a letter requesting validation bearing my signature. I sent the letter certified, return receipt mail on XXXX XXXX, XXXX and they signed for it on XXXX XXXX, XXXX. They sent me a letter back on XXXX XXXX, XXXX however, there is no signature, just a print up from a computer. I included a copy of my credit report for XXXX XXXX, XXXX, showing that after more than 30 days and they had still failed to indicate on my credit report that the item was in dispute. This is a violation of the law. I sent them a letter again on XXXX XXXX, XXXX again stating I want validation bearing my signature. They responded on XXXX saying it was already sent, which I disagree with, nothing they sent me had any signature for me to validate. I am the only person who can validate my signature and they failed to provide anything for me to validate. They also indicated that they sent a validation notice to me in XXXX of XXXX and attempted to contact me, show me proof of that because I never received a telephone call nor a letter, I would have been all over this, just as I had to reach out to them as soon as it appeared on my credit report without first contacting me ( another violation of the law, I am to be provided with 30 days to dispute the validity of the debt, which I never received a letter, nor a phone call as they claim ). I am providing documents to support my claim that : I sent them a letter requesting validation ; the certified return receipt for acceptance of deliver, the letter and information they provided on XXXX XXXX & XXXX XXXX XXXX as well as the letter I sent them again on XXXX XXXX, XXXX and a copy of my credit report from XXXX. They received my letter on XXXX, 30 days from this day is XXXX XXXX, XXXX. As you can see by credit report, the disputed line was not added and they are in violation of law. I am asking for your assistance today because this collection agency broke the law and since they failed to update the report within 30 day, the item needs to be deleted from my credit reports from the credit bureaus.
I applied for a Citigold Checking account using the promotion code XXXX with offer terms stating that " The bonus ThankYou Points will be credited to your existing ThankYou Member Account within 90 days from the end of the statement period in which you complete all offer requirements. '' The relevant account was opened on XXXX XXXX, XXXX and the offer requirements were met during the XXXX and XXXX statement cycles. The XXXX cycle closed on XXXX XXXX, XXXX. 90 days from XXXX XXXX, XXXX is XXXX XXXX, XXXX. 

The 90 day period following the completion of the offer provided ample time for Citi to fulfill its promotion. At no point during the 90 day window were the points credited per the terms of the promotional agreement. I have contacted Citi on multiple occasions XXXX during and following this window to establish the status of the points, but have not been provided with a satisfactory response. 

In my most recent correspondence with Citi, I explained the problem, of which the bank was already aware. I further expressed that Citi 's delay was preventing me from using the credit to purchase upcoming travel. The representative was unable to explain why the points had not been credited and was unable to provide a reasonable date upon which the promotional points would be deposited. The representative in question refused to resolve the issue and terminated the phone call. 

Citi has demonstrated a clear unwillingness to resolve the case. The bank has engaged in misleading marketing practices and false advertising by failing to deliver upon the terms and conditions of their promotional offer.
I closed my CD with XXXX XXXX on XX/XX/18 and was using the fund for purchase of a home. During my new loan underwriting process, I was asked to provide source of fund which required me to get a transaction history of my closed CD. Since the day I closed the CD, I was not able to view the CD on my online account and when I called XXXX XXXX XXXX, they said I have to wait for the monthly statement on XX/XX/18 in order to see the transaction. I asked if they can restore my CD account online and they said by policy they can not. They also did not give me a verbal warning when I closed the CD that I would lose my online access to the account. 

I am risking to lose my initial deposit of this new home purchase if the new loan is not processed on time, and the fact that I am not able to access my own personal information in any shape or form between account close ( XX/XX/18 ) and the new statement date ( XX/XX/2018 ) is not acceptable to me. I should be able to obtain the transaction history any time I would like even the day after my account closed.
On Friday XXXX XXXX I received an email from Capital One stating my account was being closed due to inactivity. I admit I only use this credit card for emergencies and have not actively used it in about 3 years. I did use it on XXXX XXXX and again on XXXX XXXX and immediately paid the balance in full on XXXX XXXX. I called customer service the day I received the email and asked what was going on and why they were closing my account to which they were unable to help me because it was still processing in their system. The agent assured me that someone would call me back in a week. I asked them to confirm I should have a call back by Friday XXXX XXXX and they confirmed. I never received a call as promised so I called in today Saturday XXXX XXXX and gave them my info, placed me on hold so they could review the notes, came back and said they were going to transfer me to a supervisor. I spoke to the supervisor and had to tell her everything again including the fact that I 've been a customer for 17 years. She stated that it 's not in their policy to call cardholders back so she apologized that the one agent told me they would before. She continued to tell me they really do care for their customers but there was nothing that can be done. I have told Capital One numerous times if they offered to lower the interest rate I would consider using it more as my credit is really good and I have another credit card that is about half the APR that they are. I was again pretty upset so I told the supervisor that they do n't really care otherwise they would keep my account open. She did offer for another department to call me back in 3 to 5 business days but I told her why should I bother when they are going to tell me the same thing and waste my time doing so. I was done with the conversation and if I stayed on the phone much longer I may have said things I did n't mean so instead I told her to have a good day and hung up before she could state anything more from what I assume is a guidebook they hand out on how to deal with situations.
The verifiable credit information choices to verify my identity, with Equifax, is all wrong. None of the choices pertain to me and I can not get my online credit report with them that I am allowed and owed.
In XX/XX/XXXX we received a notice from Navient that my wife 's student loans were past due. I am a cosigner on XXXX of XXXX loans. The loans were taken XX/XX/XXXX-XX/XX/XXXX. My wife has been in school half time since then, but has switched schools a couple of times and is still in school at XXXX XXXX XXXX University. We requested the promissory note and it clearly states that as long as she is I school at least half time, they will put the loans into forbearance. We have pointed this out several times to their collections and Ombudsman ( who is in their collections department ) and they can only state they have a policy that all private student loans are to go into repayment after 48 months. Nobody looked at the agreement, not even the Ombudsman who told us he was instructed by his boss to tell people they just have to pay, no matter the circumstances or agreement, to get those people to pay. We requested their Customer Representative investigate, received a voicemail a month ago that they would, but have heard nothing since. We have been harassed by phone calls/emails/letters and Navient has put negative entries on our credit reports preventing us from buying a house. I requested multiple times the written 48-month policy and was told nothing is written. I 've also sent them a certified letter requesting documentation for which they have not responded. I sent a certified letter to forbid them from calling me as they were interfering with my work. The person who last called me read the promissory note I uploaded to their site and could find nothing supporting they could force repayment. He still stated they had told us numerous times we had to repay, so we needed to just pay. We have no intention to not repay the loan, but as per the promissory note we both agreed to, not be an undocumented policy that is in direct conflict with the note.
I have been impacted by the Equifax breach. I checked on their security website and it says that they got my ALL of my personal information. This has all occurred on XXXX XXXX, 2017.
Northern Service Bureau has accounts listed that are my Ex-husband 's. I have tried for years to have them remove the accounts from my file but won't. We have been divorced since XX/XX/XXXX. 
XXXX opened XX/XX/XXXX XXXX XXXX {$40.00} XXXX opened XX/XX/XXXX XXXX XXXX {$40.00} XXXX opened XX/XX/XXXX XXXX XXXX {$40.00} I can't set up a payment plan on accounts with them when there are accounts on my report that are not mine.