WillisBack/dataset-financial-user-claim huggingface dataset:
This all started on XXXX XXXX, 2016 when my husband attempted to pay biweekly, without asking if they accepted payments that way. This led to payments being placed in unapplied funds and the mortgage company calling about unpaid mortgage payment ; when they actually had a full payment plus 1/2 payment held in unapplied funds. We have since then made all the payments and they are still saying we have not paid, when actually we have overpaid by over {$1300.00}. Our credit has been destroyed and we have called several times to attempt to get this issue fixed, they keep saying they will call us back and that they will have someone review the payment history. I spoke with someone on XXXX XXXX, 2016 and we discovered the error on the call while reconciling the payments we made to their payment history. The agent I was speaking with stated that both our XX/XX/XXXX payment and XX/XX/XXXX payment were applied to XX/XX/XXXX. How could that be and how could they not see that as the error? they have reported to the credit bureaus that we have not paid our mortgage 3 times. I have had a pretty stellar credit history for quite some years and now my credit is destroyed and this company continues to report to the bureaus that we are not paying and they are also not finding a solution to the issue. Now my husband has made matters worse by not paying the XX/XX/XXXX mortgage payment, I understand my husband 's frustration in dealing with this company, as they have been grossly incompetent and have ruined me and any chance I have of moving on financially into any new endeavors. This company Homebridge Financial has been horrible since acquiring our mortgage from XXXX, which acquired it from XXXX XXXX. I feel like this is definitely a violation of my consumer rights and they have been unfair in how they are dealing with this issue and very deceptive in telling us they will get back to us, and someone will review the issue and so on. They have done nothing to fix this issue and this is snowballing into wrecking my life! if they continue to do this we will be ruined totally! we have attempted on so many occasions to speak with them and figure this all out and they keep giving us the run around and continue to report erroneously to the bureaus.
i been with b of a for 40year i had problem with credit just like bofa they were bail out by government they have re cover i have recover too all ido at bofa is put money in and take it out i been turn down for a car load 8 times for a credit card all because i list a bofa card debt redution company 7 years ago they say i can not get credit until it drop off that sham- ful i am just a number and that no t fair 40 years mean nothing they did not lose a dine with me.
Capital One XXXX, XXXX .... 
The basis for my dispute is ALLEGED balance of - was required to notify me prior to X/XX/2015, or no later than 30 days after Capital Onefailed to notify me about reporting derogatory info. to XXXX, and In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative derogatory 30, 60,90,120, 150, CO information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 
Also, Capital One '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of TX allows treble damages. 
Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) Capital One failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120, 150, CO status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve Capital One is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( Tex.App-XXXX XXXX XXXX reh.den. ) citing XXXX v. XXXX XXXX XXXX XXXX ( XXXXDallas XXXX writ dism 'd w.o.j. )
They keep showing account open and reporting it to " my credit report ''. This was discharged in bankruptcy, I would like them to show it closed.
I have a collection acct XXXX XXXX " XXXX '' reporting on Transunion this account was payed in full for deletion it was removed from XXXX, XXXX, Transunion then a few months later it reappeared on Transunion and XXXX. This account needs to be removed immediately.
Have been trying to get invalid reporting public record removed for over 6 months now ; was made aware of new public record law in which all three credit reporting agencies would be required to automatically remove all public records that were reporting and that has not happen for me. This was scheduled to take place on XXXX XXXX, 2017. State Tax Lien is still reporting incorrectly on today.
I have XXXX and pay what I need to pay each time. I saw XXXX collection accounts on my credit. My insurance paid my medical bills. I sent to this agency to validate the debt and they did not validate it. This agency is not Bonded to collect in my state. I checked on the Secretary of State Site and entered their name and address. It says there is not a bond for them. This agency never sent me a letter or anything stating that they are putting anything on my credit
I disputed an Item from the City of XXXX utility bill which states after the investigation that it is still vailid an has a date of XX/XX/XXXX which I vacted this property in XX/XX/XXXX and it was sold in XX/XX/XXXX yet 3 years later they say this bill was delinquent. I am sure I paid this bill but can not find my reciept but it is definitely older than 7 years old and I feel this is because of my XXXX name that XXXX is refusing to release this debt. this is why Im making a complaint.
Attn Consumer Fraud Dept. 
RE : XXXX XXXX # XXXX  I am writing concerning my request that the accounts placed in collection, on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. I paid off a debt from XXXX XXXX XXXX. XXXX XXXX is reporting the debt as paid off on my credit. To all the credit bureaus XXXX EQ XXXX as you will see in the pages attached. 
1. I have attached the pages proving the CRAs reporting, thus there can be no instant changing of the account information.

2. Also attached is the response from XXXX ( the debt buyer ) to the CFPB who provided them my ID Theft report. That report shows the account was paid in full. 

XXXX XXXX Charged off the debt and sold the debt to XXXX XXXX. Selling this debt includes giving my name, ssn, addr, dob. to allow XXXX funding to extort money from me this is akin to ID Theft and violates FCRA FDCP statutes. 

611. Procedure in case of disputed accuracy ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as [ 15 U.S.C. 1681i ]
This is a complaint against EBAY and PAYPAL ( this XXXX is addressed to PAYPAL, another will be filed for PAYPAL ). I logged onto my EBAY account to purchase an item ( a watch ). 

I had previously set up a credit account with PAYPAL, for {$3700.00} in credit. 

The EBAY listing offered a payment plan beginning at {$55.00} for 24 months for PAYPAL CREDIT I decided to take advantage of these terms. I then clicked the radial that says " Commit to Purchase ''. When I was then brought to the payment screen, the financing opportunity was no longer available. Essentially, I was lured into committing to purchasing the item with credit terms, and then once I did commit, the credit terms were removed. I called EBAY and they said it was the fault of PAYPAL. I called PAYPAL and they said there was some type of security issue with my account and they would fix it. It was never fixed. I called EBAY this morning ( XXXX.2017 CST ) and was told that sometimes credit terms will be listed on items, when there is actually no credit terms available, but you do n't find out until you committed to purchase the item. The agent at EBAY was rude and acted like this was my fault. I do n't recall her name, but the code to get to her was XXXX. She did n't seem to realize the gravity of the situation. Meanwhile the seller opened a case against me for non-payment. I was forced to scramble to find an alternate means of paying. EBAY and PAYPAL have colluded to incent a customer to purchase an item with false terms. This is clearly a violation of UDAAP and likely other state consumer protection law.
This is the third complaint I have filed against Wells Fargo. First they opened a credit card in my husband 's name and mine. We did not request this card. I also found out they attached the credit card to an account that was in my name since XXXX. This account was set up for my job. All direct deposits for pay went to this account. I also had set up this account for online bill pay. They changed the primary owner of this account to my husband so that the credit card that Wells Fargo opened ILLEGALLY, without our approval or knowledge and added it as overdraft for the the account. In XXXX XXXX, I made transfers for XXXX transactions from another checking account in my name to what I thought was my primary account to pay bills over a 35 day period. Not only did Wells Fargo transfer those monies back into the checking but they also made cash advances on the credit card and charged us for overdraft protection resulting in almost {$500.00} in cash advance fees, interest, and this overdraft protection fee. Neither my husband or I knew that my primary account had been manipulated and my identity and my husband 's were stolen by using our social security information. Now today XXXX/XXXX/XXXX, I have found my other credit card information has also been changed for the online bill pay lists placing all of my credit cards, different from my husbands and not in his name, changed to his name along with changing the account numbers for these cards. XXXX card number was not correct at all. I now have to check all of our credit card statements to make sure that the bills have been paid!!! My advice to any Wells Fargo account holder is to check everything in your accounts because they did a lot of damage not only in CA but across the US and in many different areas of your banking accounts!
On or about XXXX/XXXX/2015, I received an approval letter from my senior lien holder and immediately forwarded it over to the junior lien holder Chase. I have received several extensions from the Senior Lien Holder and I have informed Chase that I can not receive another extension. This latest extension expires on XXXX/XXXX/2015. I have phoned, emailed and sent messages through equator and still no result on my approval letter. My file has sat with Chase for over a month and was not touched. It took XXXX months to get my address corrected. It is as if the bank is pushing me into a foreclosure situation, I see no evidence of them doing what the government says the lenders should to provide foreclosure alternatives to us as homeowners. I have tried as hard a I can to make this work and the bank is being unreasonable. So, due to their inactivity and unwillingness to assist me, I have reached out to you. I am desperate for assistance.
I went to an emergency on XXXX/XXXX/2016 to XXXX hospital ( XXXX PA ) XXXX XXXX, XXXX XXXX, Ca n't XXXX After a month I started to receiving the bills I have paid all the bills and the situation was over.
A month ago a collection agency is calling me for a medical debt ( I though it was a scam ) I call the hospital, many many many times, and noone has an explanation for me about that debt. They said you dont owe anything.
I did a research and collection agency is true, its real, there is no scam I went to the XXXX hospital today in person, after insist with diferent departments and diferent people ( back to back calls ) They told me that for the emergency attendance I should recieve 3 diferent bills, from 3 diferent companies. 1 ) XXXX 2 ) XXXX- XXXX XXXX 3 ) XXXX the doctors I only recieved 1 and 2 bills. Bill 3 ( the doctors ) I never recieved a bill from them, a call from them e- mail from them, nothing at all.
I call them And they said, yes you owed money but, because we could n't reach you, we send you to collections, fresh and simple as that.
Someone made a mistake when the put my information, someone did something wrong. I still do not understand how 1 XXXX and 2 XXXX send me the bill without any problem and XXXX XXXX XXXX did n't found me, its a mystery.
I am totally ignorant on the medical field and how they proces a bill through diferent companies. And because of that I am in a collection agency.
To finish this complaint I want to mention that, the day that I XXXX XXXX XXXX, after hours at the hospital the doctor told me, you do n't have anything just put some Ice on it. But thats another story ...
When I called Navient to lower my monthly payments or temporarily postpone my payments so I can start saving my money they would not work with me. It was their way or nothing. Very upsetting and frustrating as I have other school loans and obligatory bills.
The case number is XXXX its with XXXX XXXX. they are debt collectors it is for original creditor XXXX XXXX. ENDING IN XXXX THIS IS NOT MY ACCOUNT,. I never OPENED THIS ACCOUNT WITH XXXX XXXX. I get a letter from these people every month wanting this and wanting that. Again this is not my debt. 
my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX la XXXX
There are XXXX accounts listed which do not belong to me which are XXXX # XXXX and XXXX XXXX I 'm requesting these be removed ASAP
They came to my house on XXXX/XXXX/XXXX at XXXX and I explained that I did not have the payment then but was aware of the payment due. My payment is not even 30 days past due. She said that not acceptable. I told her I would pay that Saturday and she would not accept the answer. I told her repeatedly that it is not even 30 days. She said that they would not let me borrow money again and I said that was fine. Then she said she was going to put a garnishment on my check. She said she will be back at my house tomorrow.
Approximately one month ago I reached out to Sofi to take the loans my parents took out ( Parent Plus ) and to refinance them into my name. I was told I would be getting them for {$650.00} per month at an interest rate of 5.25 % after auto-pay discount was put into my name. I have this over 12 emails - where  customer service employees told me this was the right amount. I was then given paperwork to fill out for a monthly loan of {$700.00} at a rate of 5.25 % post auto-pay discount. I was told by 3 employees - over the phone and over email that this monthly rate would go down to {$650.00} per month. 

When I was then approved for the loan, I went ahead and filled out an application for an apartment where I was under the assumption I had {$50.00} extra to use for my utility bill. Then I went to sign the final paperwork - after my loan approval - and asked to verify that the {$700.00} would go down. I was then told by multiple employees that " this was an internal bug '' that has since been fixed but I should go ahead and sign. To be honest, this feels like the definition of a bait and switch where I am being scammed into a price that I did not initially agree to, and was told would be a lower amount. I have tried to have conversations with them and they seem to not have any interest in reaching out. Is there anyway you can help?
XX/XX/2015 I started inquiring about home loans through PNC Mortgage Company. The process took about 8 months and during this time my credit was pulled many times without my consent. I was giving verbal updates about stalling and needing continuation but never any updates about them needing to repull my credit over and over nor was I aware this was happening until I looked at the many inquires on my credit file. My credit prior to seeking this loan was at nearly an 800 and after I completed my Home loan my score was around 590 to 615. I suffered financially because my loan was not completed in time and I had to endure expensive month to month costs since I was out of my contract in my apartment. all in all this company was not able to complete my file because the location that I was working with had shut down and they had to transfer me to somebody out of state. I was not given a reason as to why they were shut down but I can only assume that their practices were unethical and that might have had something to do with their being shut down. It was a major inconvenience that i was transferred to another person in another state Named XXXX XXXX. So I mentioned to her all of my credit inquiries and financial burdens I had to endure and the major inconvenience it caused me -time and hours out of my day to sort through all of the issues I had with a PNC Mortgage Company . so to attempt to resolve the issue she refunded me my appraisal costs but I never heard anything back about financial compensation in regards to me having to pay out of pocket month-to-month at my apartment being out of my housing contract. XXXX XXXX was the lady who was working my loan originally and she told me I was to have my house keys on a projected day, and when I called about getting my house keys another lady said that she had never even completed my pre-approval but I had received pre-approval letters and had them on file so upon complaining to another loan office named XXXX XXXX   I had only got my appraisal finances refunded and that is the only thing that was settled in regards to my complaint with the company. I am writing this complaint since it has taken me 3 years to repair my credit since this issue has happened, I personally feel that I am I entitled to financial compensation. Not only did my loan with PNC Mortgage never get completed but I had to change to another lender and they opened and closed my file and completed my mortgage within one month. Upon looking at refinancing my home I found out that I am able to put a complaint on file and potentially resolve this issue that has personally scarred my experience with any home loan companies regarding credit scores. I have missed out on many opportunities to use credit because the damage that was done from PNC Mortgage. Below is the office and representative who mistreaded my file for future references.

XXXX XXXX  Mortgage Loan Officer PNC Mortgage, a Division of PNC Bank, NA NMLS # XXXX The PNC Financial Services Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) XXXX, WA XXXX XXXX Office
This credit repository is reporting incorrect, outdated information with regards to BANKRUPTCY XXXX ref # XXXX. Item has been withdrawn last XXXX XXXX, my social nor my date of birth is not showing in relation to this item, all of which was verified by the court. Clearly, this credit repository 's information/records are outdated and the item was never investigated as my credit report shows. I kept records of my credit report from the day I disputed this item and downloaded new reports and the incorrect information still is reporting. This is a violation of FCRA.
I have fraudulent accounts reporting to collections : - XXXX XXXX XXXX I don't know how people are getting my information
ADA/XXXX Violations During the process of submitting a loss mitigation application, I have been asked multiple times about my XXXX. My XXXX status has been scrutinized and I feel my rights as a XXXX person have been disregarded and violated. 

I have been asked how long Ive been XXXX. I have been asked how long I expect to receive XXXX. I have been asked to provide a bill or documents that support my illness and diagnosis, explicitly detail my illness and/or directly indicate my XXXX state. I was asked that it detail certain dates or time frames. 

Im now being subjected to repeated calls and requests for the same and/or similar information which is not only causing additional and undue stress and a negative impact on my conditions. They are claiming information not received or just the need to clarify or verify information stated. 

I was told the mitigation process began on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ; and was to complete by XX/XX/2018. Now Im told the process did not start and is just beginning and might be a while longer. 

I have repeatedly been inquiring about foreclosure information and told different information, now on self recorded calls. I was told I was in foreclosure. Called the attorney and was told no file in hand. They indicated my file was in loss mitigation and foreclosure never initiated. Called foreclosure department at Dovenmuehle and they stated loan Not in foreclosure. It was in loss mitigation. 

I told all this to a XXXX XXXX and I also told her several dates I tried to get reinstatement details and was not provided. She cut me off and said shed have to get with management to look into things. She said the foreclosure information was incorrect and said she didnt know why anyone indicated confusion. They likely just havent properly filed everything yet.
I had a successful Navy Federal Credit Union account from XXXX to XXXX. Unfortunately I fell victim, and prey to identity theft, which my accounts closed, inactive, dormant. My line of credit was terminated and moved to consumer loans in the amount of XXXX, and my credit card maxed out to XXXX as a charge off. Due to this mishap, and veteran identity was compromised from my access # XXXX the only remaining account is my savings where I can deposit money in the account only with no access to other accounts. 
A representative made contact with NFCU Security where I have a level XXXX on my so called delinquent accounts since XXXX/XXXX/XXXX. Navy Federal Credit Union sold my accounts to XXXX XXXX, and also to XXXX XXXX. I think I disputed these companies in the past with no such luck until I came across CFPB.