WillisBack/dataset-financial-user-claim huggingface dataset:
I recently disputed three collection accounts with Equifax. After checking my previous credit report ( XX/XX/XXXX ) with my most current dispute ( XX/XX/XXXX ), it appears that the accounts have been re-aged, which is illegal.The collection reported date on my most recent credit report is XX/XX/XXXX for all accounts being disputed. The previous report dated XX/XX/XXXX, shows the collection reported date as XX/XX/XXXX. I have asked the original credit to provide me with documents confirming this account belongs to me. They have failed to do so. Each disputes comes back verified by Equifax. I do not believe Equifax is verifying these accounts. I have attached both credit reports with the account in which I am submitting a compliant for.
I was pursuing a dispute with a merchant through Chase Visa 's dispute department. I had already closed the account which was charged. I initiated the dispute in XX/XX/XXXX, and in XX/XX/XXXX received a check from Chase for the disputed amount. I considered the matter resolved. 
Yesterday ( it 's now XX/XX/XXXX ), I received a notice that my credit rating had dropped XXXX points due to this account being delinquent. Apparently, the merchant declined to cooperate in the dispute ; Chase charged back my closed account ; now I 'm in arrears for not paying bills of which I was not aware. 
I have not received a bill or a phone call from Chase. This credit card does not exist in my online Chase account. If it were n't for the credit-monitoring service, I would n't even know about this " unpaid bill ''. 
I spoke with a supervisor in the dispute department who said I could reopen the dispute. He could n't help me with clearing up the hit to my credit rating or remove the interest charges.
A company called XXXX XXXX  XX/XX/XXXXhad put a negative item on my report for an amount not owed. I hire XXXX XXXX XXXX about this and after a while it was taken off my report needless to say it is over 5 years old, anyway the debt was put back on my credit report as a new debt and reported fraudulently under a different amount. It was taken off my report again. This last time it was added to my report by a collection agency under a different amount as being a new debt from Midwest recovery with the date as beingXXXX this information is totally incorrect. Please look into this matter as I feel that it is not legal or ethical.
On or about  XXXX   XXXX ,    2017  - I opened a  Citibank  premier checking account with a deposit of $  XXXX  following the correct promotion code. As per the terms - customer is suppose to get {$500.00} as promotional cash to maintain $  XXXX  as daily balance  for 60 consecutive days.I followed all the terms and conditions but still Citi is denying me my hard earned {$500.00}  promotional cash. The reason - i had another account during the last 60 days - but that 's no where mentioned in the Terms and conditions ( printout PDF that i am attaching  ). Essentiall one or the other way - Citi does n't want to let the customers has promotional bonus. My spouse (   XXXX   XXXX  ) few months had the same issue  with Citibank where Citi denied her the promotional cash
AUTOVEST/ XXXX XXXX XXXX FILED A LAWSUIT AGAINST MYSELF XX/XX/XXXX AFTER PURCHASING MY AUTO RE-POSESSION DEBT FROM XXXX XXXX XXXX WHICH I DEFAULTED ON XX/XX/XXXX- SEVEN YEARS AGO. XXXX XXXX AND MYSELF SETTLED THIS DISPUTE AND AS A RESULT, AUTOVEST DISMISSED THE CASE WITH XXXX COUNTY XX/XX/XXXX. NOW AUTOVEST IS TRYING TO PERSUE THIS CLOSED ACCOUNT THAT HAS BEEN SETTLED AGAIN. I HAVE ATTACHED THE LETTER FROM AUTOVEST ATTEMPTING TO PERSUE THIS CLOSED COLLECTION, AS WELL AS THE SIGNED MOTION FOR DISMISSAL OF CASE WITHOUT PREJUDICE AND NOTICE OF LAWSUIT THAT WAS GRANTED DISMISSAL ON XX/XX/XXXX. I NEED AUTOVEST TO QUIT PERSUIT IMMEDIATELY.
We have been unable to obtain a monthly mortgage statement from Seterus for over 2 years. We are presently in a financial hardship due to XXXX and any assistance programs require a statement. We have contacted Seterus numerous times by phone to request a statement by mail, fax, email, Fed Ex, or whatever possible means. They state they have submitted the request, but nothing happens. They have blamed the XXXX Postal Service, but we have lived in our home 20 years and receive plenty of mail. We have received other documents from Seterus such as tax documents or notices sent by certified mail. They are completely incompetent. I just want a statement as is my right as a consumer.
On XX/XX/2018 - I went to a local Suntrust branch to inquire about a XX/XX/2018 request from Suntrust Consumer Home Loan Specialist, XXXX XXXX XXXX Ext XXXX. The request stated that Suntrust was requesting a seperate signed page 2 of a Uniform Borrower Assistance Form packet. ( For Background : My husband and I were in the middle of a divorce, and he alone requested the mortgage modifications. I was opposed to them. ) I had been in contact with Suntrust multiple times over an approximate 9month period, continually notifying them that I was not in agreement with the modifications that my husband, who is a previous Suntrust EVP, was requesting. Since the UBAF did not have a place for a signature on Page 2, and since the UBAF packet is a 5 Page composite whole document, that  requires legal affirmations for the entire document to be sworn to, on page 5 of the document, I became suspicious about the odd request, especially with my husband having many friends and colleagues still employed there. The local branch representative filled out a complaint form for me concerning both my mortgage and HELOC loans. At XXXX on XX/XX/XXXX, I received a call from XXXX XXXX, Suntrust Manager with the Home Mortgage Retention group. I explained to her that I had been speaking with and e-mailing XXXX XXXX over the past several months, notifying her that my home had not been damaged by Hurricane Irma, that my husband used the Hurricane as a way to intentionally default on the mortgage as a means to securing more favorable loan terms without it impacting his XXXX since he is a XXXX XXXX  ( XXXX XXXX    XXXX ), and I was opposed to modifying the Mortgage which would add over 21k in a balloon payment to the end of the loan. I submitted a previous complaint ( XXXX ) concerning this issue, however that complaint was directed towards the HELOC loan associated with the mortgage. This complaint is regarding the Mortgage which Suntrust modified in spite of the fraudulently modified signature page and in addition to my ongoing objections. My husband 's document tampering can be clearly seen on the Suntrust Corrections agreement as well as the notarized signature page that I have attached. I have also attached proof showing that I had faxed Suntrust the original pages, long before they received and processed the fraudulently tampered documents. In spite of the fact that Suntrust had the original documents along with my objections, they continued processing the modification with the tampered documents which were very obviously altered, and even initialed by my now ex-husband. Suntrust also failed to report the illegal mortgage document tampering to authorities, leaving him to continue working in the financial industry without consequence, which places hundreds of unsuspecting clients at risk. It is disturbing that Suntrust not only refused to reverse this modification, they also have made every effort to protect their former EVP from being held responsible for knowingly engaging in financial fraud.
XXXX  failed to remove a fraudulent collections account from my report even though XXXX and XXXX both removed the account.
I have direct deposit set up with netspend. My payroll company sent my paycheck to them on XX/XX/XXXX and its now XX/XX/XXXX I have not received a single cent from them. I have mad over 20 calls and sent 5 emails all i get in replay is they are having an issue will be fixed soon. I looked online and they have been doing this to many customers over the last 5 days
I am contesting the account with XXXX XXXX XXXX. It is an account that was opened without my consent. It is showing a balance of {$600.00} with a {$500.00} credit limit. Experian is stating on their report that it is even late and over the limit with a 120 % usage. I need Experian and XXXX XXXX XXXX to correct this account on my Experian report. I should not owe XXXX XXXX XXXX anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my Experian report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from Experian Report and corrected. It has been corrected on my XXXX and XXXX reports, too.
incorrect applications of my payments, spend a lot of time correcting mistakes was sent a letter that my escrow would be short one penny, sent a payment of {$1.00} with a note that it should go towards escrow and was not done. Called several times to get corrected Made a payment XX/XX/XXXX, received by cap 1 XX/XX/XXXX. they extra payment was sent to unapplied funds and a note on my statement that when i make a full payment then t thehey 'll apply to my loan and they will continue to report to credit bureaus
I filed a chapter XXXX bankruptcy but the court did figure my mortgage in the bankruptcy. I have paid it all along. XXXX sold my mortgage to a collection agency. There are errors on my escrow analysis and the way they are reporting to the credit bureau. Ditech refuses to talk to me because of the bankruptcy and will not let my attorney tell them they can talk to me. So how do we correct the errors?! They also waited a year to inform me of documents they had drawn up. It appears to me that they think they have no accountability.
In 2016 I took a loan for {$900.00} in XXXX from XXXX  I paid them almost {$3000.00} to drop the loan {$300.00} as it got difficult to juggle XXXX and my rent and other utilities I refinance and eventually got another loan in XXXX. But I realize that I will never be able to pay this off the interest rates are too high it took me a year to take it down {$300.00} and I had to refinance so they won't take my car. I fallen into their trap no matter how much I pay them I will never pay off the loan they are like loan sharks it's gotten to the point where I am about ready to just give them my car. What they do can't be legal I understand I have to pay back the money but when I pay {$3000.00} for a {$900.00} loan something's wrong
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified that i have disputed. Please resolve this matter as soon as possible. Thank you!
My name is XXXX XXXX, My father, XXXX XXXX, passed away, XXXX XXXX, 2014. I have been living in his home for XXXX years taking care of him, until he passed. Also living with us where, my son, his wife and my Grandson. Upon my fathers death, I notified ( HSBC ) Beneficial, sent them death certificate, and explained to them I was willing to take over the debt with a lower payment, or do whatever what needed to keep this home. First they refused to speak with me. Then they have been requesting paperwork after paperwork, to which I keep faxing over and over. They keep stating they do not receive them. I have also sent the Executor paperwork and notarized relinquishment papers from all XXXX of my brothers. I gave them the Estate attorneys information, and they refuse to speak with the attorney. After all this time, they now tell me the home is in foreclosure status, without even notifying me in writing. But will notify me of a date to vacate the property. The only other thing they continue to tell me is " This is not your debt, this was your fathers debt, and you should not be responsible for it ''. My mother designed this home, my father built this home, and I was raised in this home. I gave up a home and property to come back to take care of my father, who was ill. I spent all of my savings to keep this place going. Now they wo n't even give me and my family a chance to keep it, now they want to throw us out on the street. All because " it 's not my debt! " They do n't seem to care that XXXX people will be homeless! 
This is ridiculous, when I have tried to work with them for over a year to adjust payment, or get a new loan in my name to pay for this house to keep it in my family, and to keep XXXX people from being without a home. 
Apparently, they like taking peoples homes and leaving them on the streets. This is not the AMERICAN way to do business people!
In XXXX I paid a loan to XXXX XXXX in full on the due date. They mistakenly reported my account 30 days past due. XXXX XXXX the area director gave me a letter stating the credit reporting agencies needed to take it off my credit. The credit reporting agencies will still not remove the 30 day late from my report.
In 2015 I attempted to purchase a Time Share from XXXX XXXX in XXXX XXXX. My husband and I traded in our time share to XXXX XXXX for a XXXX trade in price. I started to get bills from our ( thought traded time share XXXX XXXX ) we found the time share had not been in fact purchased By XXXX XXXX and that we still owned the one we thought we traded. We were told the developer at XXXX XXXX was not able to purchase our time share because of inventory issues. Shortly after we stopped paying maintenance fees on the new time share because we don't own it. I received a call from from Monterey Financial a collection company in California ( who has assumed our debt ) telling us that we did not have an agreement for a trade and that we owe for both time shares. Monterey is in California and XXXX XXXX is in XXXX. Out attorney sent Monterey and XXXX XXXX a cease and desist letter. We then had our attorney file on our behalf a letter asking XXXX XXXX to remove it from my credit report since we were in litigation. I submitted three disputes and they came back with a response that the collection " had been verified '' I attempted to submit a letter to the credit bureau and it will not allow me to dispute the issue as it states I have submitted a dispute in 120 time frame. I explained to XXXX XXXX it is severely damaging my credit. They refuse to remove it. Monterey Financial only called me once and immediately put me in collections. Their practices are unlawful and I reserve the right a consumer to have fair reporting. They are not reporting it honestly, it affected my car rate and it is affecting my credit reporting score.
On or about XXXX XXXX, 2015, I was made aware that USAA FSB pulled my credit bureau on XXXX XXXX, 2015 for a credit card application that I was/am a non-spousal authorized user. Per FCRA, this is not allowed. I advised USAA of that on XXXX XXXX, 2015 and was advised to fill out an " official USAA consumer complaint form, '' which I did and submitted to them on XXXX XXXX, 2015. On XXXX XXXX ( late per statute ), I received a response that they would not investigate my complaint as it was " frivolous or irrelevant. '' I want the fraudulent inquiry removed from my credit bureau. Thank you ...
Loan was with XXXX XXXX XXXX first, was transferred to Nationstar Mortgage now Mr Cooper ( see balance reduction letter XX/XX/2012 ) was transferred in process like so many other people! Faxed plenty of times always missing something even with proof of fax! Bank wont honor letter and always refute a complaint even when you have proof! Do the right thing i guess is not what banks do!
On XXXX XXXX, 2017, creditor contacted a third party about a debt that is allegedly owed. Third party was not authorized to discuss details of this account. Information disclosed was a breach of privacy.
My company had a contract with XXXX, dba XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, MS ( XXXX XXXX, XXXX ) to provide pest control services from XX/XX/XXXX to XX/XX/XXXX. We terminated service XX/XX/XXXX when we discovered they overbilled us. On XX/XX/XXXX, we received a letter from Revenue Group that our company was turned over to that collections agency. We never received any communications from XXXX regarding funds due and believe this to be a violation of the Fair Debt Collection Practices Act ( FDCPA ). Since we received notice from the collections agency, we have disputed the claim but only received one email reply from XXXX XXXX at XXXX despite multiple communications by phone and email to XXXX ( To : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ). XXXX XXXX email to us advised us to contact a phone number for XXXX at credit and collections department ( XXXX ) XXXX but that phone number only has a voicemail recording and has not returned any of several messages. We notified XXXX the number they provided to resolve the issue was a dead end but they failed to reply to those multiple emails and phone calls. 

We have done everything we can to resolve this issue with XXXX but they refuse to return any communications or explain why they turned our company over to a collections agency, especially when they admitted to overbilling us. Therefore, we as the Consumer Financial Protections Bureau to investigate XXXX XXXX business practices at XXXX, dba XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, MS ( XXXX XXXX, XXXX )
This collection amount of {$310.00} was erroneously placed on my credit report in XX/XX/2015 and I was unaware of it until I checked my credit recently. I was never sent any official notice of this debt and I did not incur it. It should not be in my credit file because it does not belong to me.
i have store account with macys. Macys called my parents which i dont know they got the number gave my dad my acoount balance.
As a result of damage incurred during Hurricane Harvey, Dovenmuehle Mortgage extended me 90-day Forbearance Assistance for the months of XXXX, XXXX, and XX/XX/XXXX. I accepted Forbearance Assistance applicable to loan # XXXX ( acknowledgement from XX/XX/XXXX attached ). 

I resumed my normal payments as instructed after the forbearance period in XX/XX/XXXX per the attached mortgage statement. My payments dated XXXX, and XX/XX/XXXX intended for XXXX, XXXX, and XX/XX/XXXX were incorrectly applied to my account for the forbearance period ( XXXX, XXXX, and XX/XX/XXXX ). This error by Dovenmuehle resulted in false 30 day and 60 day late payments that were reported to XXXX, XXXX, and XXXX for XXXX and XX/XX/XXXX, and XX/XX/XXXX ( attached credit report ).

I have contacted Dovenmuehle numerous times by phone to no avail, and have submitted request to fix the error in writing on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This error has yet to be resolved and effecting my ability to obtain a new home loan. There are a staggering number of similar complaints against Dovenmuehle Mortagage , Inc, and I am in need of assistance from The CFPB to resolve. Thank you.
XXXX has been non-compliant with removing the unverified account CITICARDS CBNA which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CITICARDS CBNA was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Navient was wanting XXXX payments per month with 9 % interest rate. That was their affordable payment, based on my XXXX a month income. They then offered me a lower monthly payment of XXXX with a 4 % interest for a limited time and said I might be able to opt into that program for an extended period of time, 6-8 months. In the extended time period my interested rate would be increased from the original amount of 4 %. The whole process is made for the borrow 's to never be able to erase the original debt. The school I took out the private loans for was sued by California Bureau for Private Postsecondary and Vocational Education and they won. The school, XXXX XXXX XXXX XXXX was misleading all of its students. It lied about the wages we would make post school, networking ability, attendance, etc. The school later closed down. I have told Navient of such actions the school did and there is no help because of that. They do not care about the issues, they only care about receiving their money.
This debt collector is attempting to collect on a debt that is not only over XXXX XXXX XXXX, but I am not liable for it in accordance to Nevada 's protections for XXXX XXXX XXXX Victims. 

In 2011 I had to move out of this apartment I shared with my then fiance. I was a victim of XXXX XXXX and had to leave the state for my safety. In accordance with Under Nevada landlord-tenant law, ( Nev. Rev. Stat. Ann. 118A.345, 118A.347, 118A.510 ) I have the right to break a lease agreement if I've been a victim of XXXX  XXXX. 

I exercised my right, obtain an order of protection, notified the landlord and moved right away. I never knew about this debt, until it recently popped up on my credit report.
they wo n't let me access the system with an external app. They apparently, block 3rd party apps and I would like to use this app to help lower my bills.
EDFINANCIAL XXXX Installment Unknown XXXX XXXX, XXXX EDFINANCIAL XXXX Installment Unknown XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Installment Unknown XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Installment Unknown XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Installment Unknown XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - Installment Unknown XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - Installment Unknown XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - - - Installment Unknown XXXX XXXX, XXXX
Since XX/XX/XXXX have submitted three ( 3 ) mortgage modification packages to Wells Fargo and updated last package five ( 5 ) times. XX/XX/XXXX, after receiving no responses to packages or updates from the WF mortgage specialist, had WF customer service track him down ; this took several additional months. The mortgage specialist stated to the customer service rep he cancelled my package XX/XX/XXXX, due to no responses from me ; I was the only person responding. After review of my files, located a letter, dated XX/XX/XXXX, from the mortgage specialist stating he had received my package and was processing the paperwork ; Odd ... .processing a package he cancelled two months prior. XX/XX/XXXX, after many complaints concerning this mortgage specialist, I was assigned a new specialist, who immediately stated he showed receiving no paperwork from me. All my paperwork is Priority Mailed to WF ; have receipts to show delivery. Forwarded all the latest paperwork to new specialist ; as of this date no responses to paperwork. XX/XX/XXXX, my home was put on the Foreclosure Auction Block without ( as of this date ) receiving any responses to my packages or updates. The last letter received from Wells Fargo concerning my requests for information was the same obtuse rhetoric and stating they were following all the guidelines set forth by CFRB.??????????????????