WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX Bank, New York and Company Credit Card failed to investigate complaint of incorrectly processed payment made and assessed {$52.00} in account fees in addition to incorrectly reporting derogatory payment information to credit reporting agencies. 
I was initially contacted via telephone on XXXX/XXXX/16, between XXXX and XXXX, by a representative of XXXX Bank. The representative told me my account was more than 30 days late ( online payment made on XXXX/XXXX/16 ). The representative told me the payment made was returned as " customer did not authorize payment '' I told the XXXX Bank representative this was a mistake, and requested this be investigated because I made the payment on-line, thus giving authorization for payment. The XXXX Bank representative demanded I make payment today and stated this payment activity will be reported to the credit bureaus because the payment is more than 30 days late. This was not true because the payment was due XXXX/XXXX/16 ( 3 days before ). Previous payments payment transactions were conducted in the same manner, online, deducting from the same bank account without issues. I contacted my bank ( XXXX XXXX XXXX, on XXXX/XXXX/16, XXXX XXXX representative confirmed no debit for XXXX Bank debited my account anytime in the Month of XXXX. Verification of payment made on XXXX/XXXX/16 ( 7 days before the due date ) is documented on XXXX Bank on-line account statement. Affirmation statement from my bank XXXX XXXX XXXX XXXX was provided to XXXX Bank verifying creditor did not process payment to account, consumer had available funds throughout the payment time-frame, and not stops and request to deny authorization was placed against XXXX Bank. I have contacted XXXX Bank XXXX additional times. I have been told by XXXX Bank 's customer and biling representative that account disputes take up to 60 days to process. However, XXXX Bank placed derogatory payment information about me to my credit bureau reporting file, without investigating the matter as consumer requested and not in accordance to XXXX Banks own dispute guidelines. 
XXXX Bank is practicing predatory and slanderous credit reporting. 
XXXX Bank violated the Fair Credit Reporting Act by : 1. Failing to ensure accuracy of accounting by following through with account dispute process in accordance to XXXX Bank 's stated and written dispute policy. Documentation in dispute never reviewed. 
2. Falsely submitting account information about a consumer to credit reporting agencies ( XXXX Bank has inaccurately reported the consumer account more than 30 days late. Account due date was XXXX/XXXX/16, representative first contacted consumer on XXXX/XXXX/16. No prior late payments on account ever ) 3. XXXX Bank exaggerated consumer account payment history to credit bureaus ( 30 days late vs 3 days late ) I am requesting derogatory and false information placed on my credit report by XXXX Bank be removed ; I am also requesting a federal law suit filed against XXXX Bank and it 's subsidiaries for violation of fair credit reporting act. 
Documentation will be submitted with complaint if attachments are allowed.
The same as the last XXXX submitted I was the victim of credit card freud and need to have these accounts resolved.
XXXX  had a special on a  NEW  phone which was supposed to have uninterrupte d GPS Service an d a low price. This feature hardly if ever worked and always lost the signal on the phones. The GPS did not work as stated in advertising, the phones were returned to original Purchase place and account should have been closed, as this was all done within 30 days. Also the original date of this purchase and return is over 7 years and should be removed.
On XX/XX/XXXX Under the fair credit reporting act I sent to XXXX, XXXX XXXX, and Equifax letters requesting to remove. unverified non- account holding inquires. 
the non acount holding inquiries were XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX  XXXX XXXX all of which are unverified accounts. I also requested to have all credit freezes and security alerts removed from my account. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed.
They have 2 auto loans on my credit report that I did not open, and I did not authorize. I have not had auto loans with them. I did their fraud packet, and jumped through all the hoops they told me to jump through. Now they just completely ignore me. This has to be addressed, and this has to be taken care of.
I received a foreclosure letter from Select Portfolio Servicing on XXXX/XXXX/XXXX. This after they had turned me down for a Modification saying that they had not received all the information to review the modification and they were closing out the request. They consistently tell you that they did n't receive information or something was missing from the application, which is not true. 
I spoke with XXXX XXXX from the Ombudsman dept. On XXXX XXXX, and she told me the the foreclosure sale date would be on XXXX/XXXX/XXXX. In researching this I noticed that the foreclosure sale had not been posted to any local papers. The law state that .... The foreclosure sale must be advertised in the official county newspaper where the property was located once a week for four consecutive weeks prior to scheduled sale date. This had not happened as of XXXX/XXXX/XXXX. Sale date set for XXXX/XXXX/XXXX. 
I spoke with the foreclosing lawyer, XXXX XXXX XXXX and he referred me to his paralegal, XXXX XXXX. She told me the the foreclosure had been put on hold due to a dispute. I relayed that information back to the XXXX office at SPS and spoke with XXXX XXXX again. I informed her of the postponed foreclosure and she put me on hold to talk to her supervisor. She came back on and told me that they were working closely with the lawyer to keep the date of XX/XX/XXXX.I informed her that they would n't be taking the proper. She said they were doing it anyway. If they do this is an illegal process and I take issue of this. They are trying to set me up for failure with the modifications and then trying to foreclose on me .... illegally. The paralegal, XXXX XXXX, was in full agreement.
My stepdad cosigned a private educational loan through XXXX for me. Years later I was making minimal payments to XXXX on the private educational loan. When I filed for bankruptcy, I was informed that my student loans including the private educational loan with XXXX would stay as they were. After I my bankruptcy was discharged, I learned that Navient had taken over the loan. However, Navient changed the private educational loan to a personal loan with just my stepdad 's name on it. We spent almost a year trying to understand how an educational loan could be turned into a personal loan with Navient management. Navient management could n't find the source of how an educational loan was turned into a personal loan but refused to correct it. My parents finally just made a repayment plan that I could afford. We have been making payments every since.
XXXX and Transunion have yet to show me verification that the negative items such as XXXX and XXXX XXXX XXXX and XXXX XXXX is my account it has been more than 30 days I have sent verification that the XXXX was paid off by my insurance company as a toll lost and they have yet to remove it. XXXX XXXX as well never late I have a 10 days after my payment to make a payment and they have been reporting lating this is affecting my credit score tremendously
I have at the bottom a copy of the police report of the incident that took place that I was instructed to do from a PAYPAL associate to remedy the issue that was going on. I also have pasted a copy of the email from XXXX who was also a victim and states that we both know we were not the unlawful parties. As well I have emails from the wrong doer I can provide. I also have XXXX witnesses, XXXX XXXX who was not only there with me the morning it happened, he witnessed the whole thing, including how I called you guys to alert you of suspicious activity on my account. I told you then and I told you before then I was an am a victim of mass identity theft and robbery so handling this asap was beneficial to us both. I also have my manager XXXX XXXX as a witness that when you closed my paypal accounts down without reason or cause after I provided you with police report you asked for, you not only caused me XXXX and money and aggravation, but years of putting together entertainment projects with my manager XXXX XXXX and my lawyer XXXX XXXX for us to profit from, were halted due to the fact 90 % of the marketing and other companies we were using to get these projects going were linked through my paypal account that you closed. Also note that all these companies that we were using will be notified as well as other companies that only use paypal as a means of money transfer, of paypal unlawful doings. Also, you contacted my manager, who you were not working with, or did you have ever any contact with and told him that I owed paypal money, which is highly illegal and incorrect. 

I have reached you many times to resolve this at no anwwer back. I will remind of the issue as further documented proof but in no way am I looking for a negatation. You had plenty time and I lost plenty of money and time and such, I will expect a phone cal in next few days from paypa reinstating my paypal account and a check for {$1000.00} or {$1000.00} in prepaid cards, mailed following for damages. 

INCIDENT : In XXXX 2014 a saw an add on XXXX for someone looking for help marketing. I contacted this person and they informed me of what they needed and that was someone who is a good writer to write good marketing ads and post them for electronics company he worked for. So I did. I did several days worth, and he let me know to stop, I had done a good enough job they had sold a good amount of volume and that he would be paying me in next few days. A few days went by I heard nothing. After a week he contacted me and asked me if I had a paypal debit card that he would have to pay me that way. I said I did and provided him the number of the debit card, I did not give him access to my paypal account or passwords, just debit card number for him to pay me. He said he would text me when he sent the {$120.00} he owed me.
We had an existing Home Equity Line of Credit ( HELOC ) established with the Bank of America. This was to expire in XXXX, 2016 so we began the process of applying for a new HELOC to be able to transfer the existing balance from the old program to the new one. 

After successfully establishing the new HELOC we began to get statements which stated that our MINIMUM payments were to include both principle and interest. We assumed that the terms of the new HELOC would be the same as the old and that interest only payments would be sufficient until we totally paid the loan balance planned in a couple of months. 

To our shock, subsequent statements showed that the MINIMUM payment balances were rolled over to subsequent statements WITH A LATE PAYMENT PENALTY APPLIED! 

At no time during our application and signing process were we told that interest only payments were no longer sufficient and that the new HELOC program REQUIRED a MINIMUM payment that included principle AND interest. 

When contacted, the Bank of America did forgive the penalty for 1 month but required that we pay the total outstanding amount ( principle, delinquent principle as well as interest ) or otherwise be charged with another delinquent payment penalty.
I received a letter from XXXX ( XXXX XXXX XXXX ) on XX/XX/XXXX stating I owed {$1900.00}. On XX/XX/XXXX I called and made a payment arrangement to pay over 6 months- 6 payments in the amount of {$320.00}. My first payment was made on XX/XX/XXXX. On XX/XX/XXXX I received a letter from the Oklahoma Tax Commission stating my {$490.00} tax refund was applied to my debt. I called to confirm they advised it was. I then asked if I now owed {$1100.00}, and I was told because of fees that I owed {$1300.00}. They refused to tell me what the fees were for or send me an invoice breaking it down. On XX/XX/XXXX I called to find out the total balance owed I was told it was {$1300.00}. I paid the full amount on XX/XX/XXXX and requested a letter be sent to me stating the the full debt had been paid. I received a letter on XX/XX/XXXX stating the payment of {$1300.00} had been applied but now I owe {$1000.00}. The total debt was {$1900.00}, I have paid them {$2200.00}. They are now demanding another {$1000.00} from me. I have proof of all payments.
I deposited a check into my BBVACompass account on XXXX/XXXX/16 in order to ensure that there were enough funds in the account to cover all outstanding charges. the check was in the amount of {$20.00} and was processed and paid by XXXX XXXX XXXX bank on the same day. BBVACompass put a 3 day hold on the check even though it had already been paid by XXXX. The end result was that BBVACompass charged an NSF fee of {$38.00} when in actually there should have been sufficient funds in the account.
This company AES/PHEAA, Has placed a student loan on my credit report as a co-signer. I haved never requested a a loan from them nor have I agreed to be a co-signer. In fact, I Just noticed this loan to appear on my credit report after my account was breached at XXXX. I received notice from XXXX   that my information had been compromised. I did not attend any school to ask for a loan. All my loans are with another company. I have not received a letter from them because it is not my loan. I believe This company is trying to forced me to be a co-signer on a loan that is not mine. 

thank you XXXX XXXX XXXX
I submit a previous request ( XXXX ). 
The company submit proof that I never sign. I need original copy, with my original signature in a notarize document. I need copy of the only modification paperwork that I did in 2010 with XXXX. I 'm taking legal action agains XXXX XXXX. for fraud and forgery and probaly agains SPS if I do n't received an appropriate answer from them, since I tried to communicated with them several times and nobody can give an answer about my problem. After spoke with my lawyer, if we do n't received copy with my original signature, we will included SPS as well as part of the legal action for fraud and forgery since they own my mortgage now. 
Thank you
XXXX XXXX is reporting that they are servicing a loan that is not serviced by them. This loan is was originally a loan with a lender that went bankrupt. It was claimed to have been transferred to Bank XXXX XXXX. However, the transfer document was fraudently signed by a robo signer and also fraudently signed and notarized by a robo signer. Eventually I filed a claim under the Federal Foreclosure fraud act and received compensation with follow on actions requiring correction of the actions and that the reporting and damage done to my credit be removed and corrected. Litigation efforts followed and the lender then attempted to avoid that situation by claiming to have transferred the loan to XXXX Bank and claiming they no longer serviced the loan. However, the XXXX System which records the servicer of loans showed Bank XXXX XXXX was the servicer and that XXXX Bank as the note holder serving as trustee. It also indicates that the XXXX is INACTIVE or discharged. Requests by Qualified Written Requests to XXXX and XXXX to provide the SERVICER transfer and agreement along with XXXX documentation reflecting the transfer of the loan to XXXX and to XXXX has been refused by XXXX servicers and not furnished. The request for the lenders to provide the XXXX audit trail of the transfer of the loan has been denied. In addition, the Qualified Written request sent to XXXX Bank resulted in a letter from them that states they are NOT the investor on the loan and have no interest in it and have referred me back to Bank XXXX XXXX. The loan is inactive. This item should be removed from my credit report immediately and I have requested it repeatedly.
had a van, XXXX XXXX was the lender, purchased the van after a bankruptcy Tidewater listed the account on my credit report and my wife 's all three as filed bankruptcy. we reached out to XXXX XXXX XXXX after trying to trade the van in, the car dealership told us that they could not take the van because we filed bankruptcy and was told to give it back. they sold us a new car and Tidewater took the van back and now are trying to sue me and my wife.
I gave notice for them to stop calling. They bought a debt and I let them know I have no contract with them. Still called several times after I told them to stop calling. This was the most recent call on XX/XX/2018 at XXXX. 

Company is called EGS Financial Care , Inc. Their phone is XXXX and Fax is XXXX
On XX/XX/XXXX I received a letter from Equifax informing me that " at this time Equifax will not block the information subject to the submitted identity theft reports and/ or police report 's you provided as part of your dispute. '' Under the Fair Credit Reporting Act section 605B a consumer reporting agency may decline to block or rescind any block of information relating to a consumer if the reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of material misrepresentation of fact by the consumer relevant to request a block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

This is the second time within two weeks Equifax has violated the Fair Credit Reporting Act section 605B. Equifax failed to provide reasonable determination of any factual proof by not honoring my block request.
I applied for a modification numerous times, twicw in XXXX, the interest rate used is 2.00 % to calculate the modification which is the rate as at XXXX, effective XXXX XXXX, the interest rate was 3 % & effective XXXX XXXX, the interest rate will be 4 %. The underwriters used {$160.00} for XXXX dues & I do not have XXXX on this property. XXXX dues are on XXXX vacant land which I own & clearly stated so in the modification application. The denial is the same as the XXXX XXXX using the old interest rate when the loan became in default XX/XX/XXXX.There are numerous waterfalls which would allow a modification approval. foreclosure sale date ofMarch XXXX, XXXX. I will be forwarding a copy of this email to the Florida XXXX.
I received a letter from Receivable Management Group , Inc. saying I owed {$2400.00} from a XXXX, hospital stay etc.XX/XX/XXXX thru XXXX/XXXX/XXXX. I did have the XXXX etc. however I was and still am on my husbands Ins, XXXX XXXX, and was told by the ins co, that not only do I not owe anything that during those dates it was a global period. I also talked to the finance department at XXXX XXXX XXXX and was told that I owe nothing and that I have a XXXX balance as of XXXX/XXXX/XXXX. They also told me that they do not contract out with Receivable Management Group , Inc. 
When I talked to a XXXX XXXX who claimed to be a supervisor he said that I was lying and that BMI did contract with them. I asked him for a proof of debt and the break down of the bill that 's when he hung up on me. The person that I spoke to at XXXX XXXX. offered to call XXXX XXXX and have a 3 way conference call with my permission, he refused and preceded to hung up on her. I have been working diligently on improving my credit. If I felt that I owed XXXX I would definitely pay this bill. The last amount I owed XXXX was {$740.00} which I paid the entire amount in full. I not sure where to go from here. I just want to remedy this situation as soon as possible. XXXX XXXX XXXX XXXX
I am trying to pay my un-subsidized portion of my student loan off. It is with AES and I can not get a straight answer on how to go about this. I was told I had to mail a check to the lender at a specific address, but then I was told that I should not have sent it to that address. I can not get a direct answer on how to make any extra principle monthly payments and have even been told that this is not an option.
XXXX XXXX  has 2 fraudulent collections under on my credit reports.

Two charges : one for {$500.00} and a second for {$280.00}, both from the same facility and same date of service of XX/XX/XXXX.

I have never received medical treatment in the state of Pennsylvania.

I disputed these fraudulent collections on my credit reports with Equifax, XXXX  and XXXX  approximately one month ago and I received an email alerting me that my disputes had been resolved. However, when I went to check my credit reports, they showed the 2 above referenced collections are still on my reports. According to the reports, XXXX XXXX claim the collections are correct and the credit bureaus still have them on my record.

I have been on the XXXX XXXX plan since XX/XX/XXXX and once again, have never received medical treatment in the state of Pennsylvania.

Please help remove these 2 fraudulent collections on my credit reports.
My divorce ended XXXX XXXX, 2014. In the divorce decree stated that I am not reliable of the mortgage that only my ex husband is reliable of the house. USAA savings bank is the mortgage lender and they keep sending me letters of how the mortgage is in default but will not talk to me. My name is not on the mortgage note or the deed and they ended up putting it on my credit. I want the mortgage taken off my credit asap if possible. If I 'm not reliable of the mortgage it should not be on my credit. I have a divorce decree that I will be sending with this to show proof. I do n't live in the house and moved out when my divorce has first started.
This account is a fraudulent account. It has n't been removed/deleted from my XXXX Credit Report, however, it is still showing up on my XXXX report. I am an ID Theft Victim. I have made every attempt possible to communicate with these people about getting this resolved, and it was n't resolved on my XXXX Report, the other XXXX, XXXX still has it on their end, the amount is for {$230.00}. XXXX, I am not sure if is on there or not. I have access to only XXXX of my credit reports. I also explained to this debt collection agency that I have done everything possible to get this resolved, meaning file a Police Report, etc. The police where I live do not care about stuff like this, and they would n't file any type of report. They just do n't listen!!!!