WillisBack/dataset-financial-user-claim huggingface dataset:
Collection Bureau of Hudson Valley Inc, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Ph : ( XXXX ) XXXXDebt : XXXX XXXX - XXXX $ XXXXI had XXXX and paid final bill upon returning equipment on XX/XX/XXXX. I moved to XXXX on XX/XX/XXXX. In XX/XX/XXXX, I found a collection being reported by above collector. In XX/XX/XXXX, I ask for validation and deletion during this validation as I never received a XXXX day notice of collection before submitting it to credit bureaus under FCRA. They apparently sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. I had been living in XXXX for over a year at this point and my current address as that time and now was on my credit file in XX/XX/XXXX. Collection Bureau of Hudson Valley pulled an XXXX Credit report on XX/XX/XXXX to obtain information such as my address. They failed to send a XXXX day notice of collection activity to me at my current address on file on XXXX XX/XX/XXXX so I could validate the debt and pay it if it was a true debt before it got reported to my credit bureaus. I notified them in writing of validation after finding it on my credit file XX/XX/XXXX asking them to delete the collection action from my credit file and allow me to validate the debt as well as pay it if it was legitimate. They stated they validated the debt but I still never received this validation and they continued to report it to the credit bureaus after acknowledging they sent the XXXX day notice letter to the wrong address. I was never given a chance to validate and/or pay this debt if legitimate without a XXXX day letter, which they did not provide. It is still be reported on my credit bureaus and they refuse to delete until debt can be validated. According to the FCRA, a debt must be reported at last reported payment delinquency since it falls off credit file 7 years from that date, however Collection Bureau is violating my federal rights and the law by not providing me a XXXX day notice of collection activity before reporting it to the credit bureaus and they are violating the law by stating the delinquency is the date they received it in XXXX, not the last reported payment to XXXX in XX/XX/XXXX. I would like to have the item deleted from my credit file and a given a proper XXXX day notice to validate the debt so that I may pay it if the debt is legitimate.
XXXX XXXX is the business and the date is XXXX XXXX, 2017! I wasnt even in Kansas and if i was i lived in XXXX XXXX, Ks! The amount is XXXX dollars and its fraud! The company is XXXX XXXX
On XX/XX/19, I called Big Picture loan to advise them my funds were not going to be available and I would pay the full amount off on XX/XX/19. I asked for the total amount due I was told {$800.00}, I have already paid them {$710.00}, back on a {$1000.00} loan. At the time I applied for the loans I was told there were no penalties for early pay off. I asked the person I was speaking with today how for the total amount due and was told {$1100.00}. So basically they are try to charge me $ XXXX on a {$1000.00} loan. This company is misleading and the representative tell you lies to get you into the loan. Trying to avoid interest fee by paying it off early and they still charge you. They're fraudulent company that send you fliers in the mail constantly. Please help!
The accounts XXXX and XXXX ( ANY AND ALL BANK XXXX XXXX ACCOUNTS ON THE CREDIT PROFILE ) are in violation of the FCRA as they are knowingly inaccurate under 623 ( a ). Bank XXXX XXXX has not done a thorough investigation as to the validity of these accounts and they have already lost in court over XXXX of them. I have retained an attorney and will be commencing litigation with them over these accounts if a thorough investigation is not completed and documentation provided as to ownership and original contract information for both of these accounts. 

The Credit XXXX Agencies will not provide the information afforded in my rights under the FCRA 609 ( a ) ( 1 ) and now Bank XXXX XXXX is gaming the system to punish me for beating them in the courts.
XXXX  continues to maintain Hard Credit Inquiries on my Credit Report that are unauthorized. I have notified each company by mail and phone more than once more than twice. Dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX etc. I contacted XXXX  Credit Bureau by phone and mail. I was told by XXXX  that credit inquiries are FACTUAL, I don't ' know what that means and when asking the XXXX  representative the explanation I got was that the credit inquiry had to be authorized by me and that the credit inquiry must remain for two or more years. So my question is if a hard inquiry is not connected to any accounts on my credit report and the same hard inquiries are displaying more than one time, why would that be factual? Please help me. With all these security breaches and Hurricane Florence I have been displaced from my home and now living with family. This is a hardship for me as I am trying to make sure that my credit reports are displaying the correct information.
I have had my house on the market since XX/XX/XXXX, and listed with XXXX in XXXX, PA since XX/XX/XXXX. I was unable to make payments, and thus was suggested a short sale by my agent. My bank is Chase. The agent was awful and the branch supervisor had to take over the process. I had a qualified buyer with a loan secured in XX/XX/XXXX. The bank kept making excuses regarding approval of this sale, and the buyer lost their loan XX/XX/XXXX. They did receive an extension on loan from their bank to XX/XX/XXXX - only to be told it probably would not be approved for sale, after they said it was moved to closing - they withdrew. I now have had another offer - XXXX % cash offer with proof of payment and Chase XXXX will not allow this lady to make the purchase of home via short sale. This offer was verified XX/XX/XXXX and they said it might not be approved until XX/XX/XXXX. 
I am beyond frustrated and do n't know what else to do.
I have 8 student loans thats serviced by XXXX. I have been living at the same address for the past 5 years and XXXX never mailed me anything about my deferment was ending and now they are reporting 5 of the 8 accounts are 90 days late. Tried to resolve over the phone agent stated she would retroactive forbearance since I never received any mailings and they did have the wrong email address. I emailed XXXX advocate department and they told me to dispute with credit reporting agencies. So now have I disputed with agencies and cfpb, I want 90 lates removed at once, XXXX is wrong.
I have XXXX XXXX XXXX card through XXXX XXXX. I took advantage of a no fee, no interest balance transfer, However, they are now charging me a " minimum interest charge '' of {$2.00} per month. When I inquired about the charge, they claimed it was a finance charge and not interest. However, there is nowhere on the bill that refers to a finance charge. Then they claimed the charge was for additional purchases on the card. When I pointed out that I paid any additional purchases before the due date, and even made an additional payment of {$500.00} over the amount if new purchases, they changed there story to say is again a finance charge. 

I know this is a small amount of money, but if they are charging this to every customer who took advantage of this " free '' offer, they stand to make a huge profit.
I recently checked my credit report and discovered I had an Abstract of Judgement issued on XX/XX/XXXX filed by Attorney XXXX XXXX XXXX of Legal Recovery Law Offices , Inc. Filed in Superior court of XXXX XXXX county XXXX courthouse ( case # XXXX ). The plaintiff is listed as XXXX XXXX XXXX ( XXXX ) and I am listed as the defendant. The judgement was in the amount of {$4800.00} entered on XX/XX/XXXX. 
I had filed chapter XXXX bankruptcy XX/XX/XXXX. A notice of this filing was sent to both XXXX XXXX bankruptcy dept. and to Legal Recovery Law offices. The bankruptcy was discharged XX/XX/XXXX. The attorney ( XXXX XXXX ) filed this lien as being a secured debt therefore getting around the bankruptcy. This is an unethical filing which should have never been done. It was an unsecured credit card debt in which his business ( Legal Recovery Law Offices , Inc. ) was notified and listed as one of the debtors that had been notified of the chapter XXXX bankruptcy. 
According to my bankruptcy attorney this judgement should have never been filed due to the circumstances. I was also made aware that the attorney who filed this lienmotion had been sanctioned by the state bar several times around the time of this action for doing similar acts. 
I am requesting that this judgement against me be removed since it was done illegally.
I have call XXXX three time to correct the information about Belk. I have XXXX account XXXX of those account that they have is over 7 years since it was report and it the account should have been take out. I could not get the foreign representatives to understand that. The information is on there two long.
In our address information : a ) The XXXX, NJ address was our OFFICE ADDRESS, and we sold that business in XX/XX/XXXX ... 14 years ago. Please remove that address at once. 

b ) The XXXX XXXX, NY POST OFFICE BOX address was closed in XXXX ... 13 years ago. It, too, must be removed at once. 

Kindly respond in writing acknowledging the adjustments. 

XXXX XXXX XXXX XXXX
Synchrony Bank to creditor of my Amazon Prime Store card reduced my credit limit for not specific reason. I called to inquire about an exact reason relating to this account. I was meat with a lot of opposition by a person by the name of XXXX who claimed she was the person authorized to make a determination on this issue and refused to escalate my call when I ask her to. She did not provide any specific reason for this change in credit limit ( XXXX credit limit to XXXX credit limit ). The account has never been delinquent nor maxed out. XXXX XXXX lead me to believe had the authority to restore my credit limit, but did nothing but re state what state in a letter notifying me of the change in credit. This card and all the other credit cards are current and in good standing. The same credit issues on my account were there when they approved this account. This affects my credit rating, Synchrony did not have a reason for doing this. I see the left enough on the line so that they could automatically recharge my account for the Amazon Prime annual fee.
Transunion has XXXX negative items remaining on my credit file from a bankrupty that occurred in XXXX. And a carloan with XXXX that was open in XXXX is schedule to come off my credit file is still on my credit report. the partial account number is XXXX and it was in the bankrupty filing.
After running my credit report at Experian I identified that there were multiple accounts that had been included in my bankruptcy chapter XXXX XXXX case number XXXX ) that have not been deleted off my report. The original creditor XXXX XXXX and the collection agency XXXX XXXX were both listed in line item XXXX. I have called the creditor as well as the collection agency and Experian to resolve this issue and have not been able to have the account noted as included in the bankruptcy and subsequently deleted.
XXXX, DE XXXX Re : Unauthorized Credit Inquiry I recently received a copy of my Equifax credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing on XX/XX/2015. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 

Thanking you in advance, XXXX
THIS IS NOT A DUPLICATE COMPLAINT. THE COMPANY DID NOT FOLLOW THROUGH AND REMOVE THIS FROM MY CREDIT REPORT AS THEY STATED THEY WOULD DO, Case number : XXXX. XXXX XXXX posted the resolution that they would credit the account {$270.00}. and XXXX the balance. They would also remove this from my credit record. Although they got the facts of the case wrong, I agreed to the resolution. Then I get a letter stating that were going to credit the account in the same amount and remove this from my credit report, but I was responsible for the balance. I called the executive offices and was told that they needed to call me back. That call never came. Today I get a letter stating that the charge off was valid ( this case was never a charge off ) and that I owed them the total. This is indicative of how it is to deal with them. They never get anything straight and they conveniently leave out details that are important. I called them at least a XXXX times to get this fixed. and medical records were faxed XXXX. I have a XXXX XXXX so there is no difficulty in providing records. XXXX XXXX left that out in the part on the public database and what was submitted to this agency. I believe they committed fraud, because they changed everything from the resolution they submitted to your agency.
I had a bundled internet, cable and phone deal using XXXX for phone and internet and XXXX XXXX XXXX ( XXXX ) for cable. Upon canceling the service, I received a final bill for all services and wrote the check directly to XXXX, as normal. In a couple months, I received a 30 day past due notice from XXXX XXXX XXXX saying my final payment of {$210.00} was not received. I called them and XXXX to complain and was told it would be rectified. More than a year later, a collection notice was put on my credit report for {$210.00}. I disputed the account and the debt was removed from my reports. About a year later, the same {$210.00} collection was put on my report, this time with a new collection agency. I called XXXX XXXX XXXX and they agreed it was likely XXXX 's fault and removed the collection. Now, I again have the same {$210.00} collection added to my account. This time I called XXXX XXXX XXXX and they now refuse to remove it until and unless I provide proof I paid it ( or have XXXX prove they forwarded the payment to them ). This account was paid out of a Sovereign account that has been closed for over 2 yrs and has been successfully disputed twice ( soon to be three times XXXX. I am at my wit 's end with these people. I have never received any collection calls from XXXX, but they obviously did not pay XXXX XXXX XXXX.
In XX/XX/XXXX my mortgage was sold to Mr. Cooper mortgage advisers from XXXX XXXX XXXX. I was told there would be no changes to my loan. I paid my statements in XX/XX/XXXX. XX/XX/XXXX. and XX/XX/XXXX. Same amount as XXXX XXXX. In XX/XX/XXXX, I received a check for about {$1100.00} from Mr Cooper for overage of my escrow acct. I called and asked why, and they said they were unawhere that they were responsible for paying my property taxes. XXXX paid my taxes and Mr Cooper collected for them on the 1st 3 payments, so I called them. They said they would fix the problem. My next statement was {$250.00} less than usual, so I called again, at which point they said they would fix the problem. I sent the escrow money back to them and paid and extra {$250.00} on my payment. Then I received an escrow annalises showing a large shortage. Now they say they need to also collect for XXXX XXXX XXXX XXXX XXXX which I pay myself and always have. These have been paid for the year, by me already, so another phone call which fell on deft ears. They demand to pay them. I called again and asked for a supervisor who intern said she would fix everything and call me back. That was 3 weeks ago and no call. They want to raise my payment in XX/XX/XXXX from {$1100.00} to {$1300.00}. They refuse to listen to anyone and causing me a lot of stress
We are very upset this company is checking my credit every month and I think it is also sharing this information with other companies in the last XXXX years I checked my credit 8 times and they send me letters every month up to XXXX letters with a credit that I I 'm not asked and they call me at night
All this information as been given to the company many times through their online 'bankmail ' and their call in service. On XX/XX/XXXX I went online to my HSBC account and wired {$50000.00} to a dollar denominated investment account I have with my wife on the XXXX XXXX XXXX. On the form it asked do you want to send $ or GBP and I checked . In late XX/XX/XXXX I get the first statement and it has a deposit of $ XXXX.After checking with my broker to find out why it was {$2000.00} short he said they might have done a double FX. I checked with the interim bank and the account holding bank and they both said they received {$47000.00} dollars. On XX/XX/XXXX I sent my first bankmail request for clarification of the wired amount. I was told I would have to contact the 'wire room ' through their call center. As of this date I have made between 6-8 calls some of which lasted 2 hrs plus. I have never been able to speak directly with the 'wire room ' because they do not take outside calls. Some of the operators were rude and unhelpful but there were 2 who tried very hard to get me an answer. The last one did call me back twice, once to let me know she was still trying ( the wire room never got back to her in the 3 weeks between phone calls ) and the 2nd time to say she and her manager were going to give this to an executive entity that would investigate and get back to me. That was the first week of XX/XX/XXXX. It is now the first of XX/XX/XXXX and I have still heard nothing.
Hi my name is XXXX XXXX and I 'm contacting you concerning my PNC car loan for 2008 XXXX i paid the balance off which came from my XXXX which was XXXX in a check form which did clear my bank cause the first two times the numbers we 're entered inccorectly so i sent a check but they still has i owe them so i want this cleared up i have never been late on any payments until 3 months ago and always paid a little more then i fell behind and they meaning PNC had no compassion so went into my XXXX and paid it off now want my full credit
TransUnion refused to provide Credit Score to a Lender, XXXX XXXX XXXX, whereby I am denied a Home Loan. 
And refusing to provide me with credit report, inspite of providing all required documents multiple times since XXXX 2015.
Bayview took over the servicing on our mortgage that we are behind on. We had an attorney that we hired to help us obtain a loan modification since our payments had increased. We were in a hardship situation due to the death of the primary supporter of the residence who was on the mortgage. Our attorney told us in XX/XX/2018, that we needed to file for bankruptcy to help get the mortgage modified. However, the attorney was incorrect and the bankruptcy court reprimanded him and dismissed the bankruptcy. On XX/XX/2018, we received NOTICE OF TRUSTEES FORECLOSURE SALE set for XX/XX/2018. We contacted Bayview to explain the situation with the attorney and that we would like to have a modification and keep our home. They instructed us to submit a Hardship Application. They said that they needed the copy of the death certificate and will so they could speak to us. I submitted those items immediately and received a notice on XX/XX/2018 from Bayview thanking us for submitting the application for loss mitigation. On XX/XX/2018, we submitted a Hardship application with all financial information that Bayview had requested. On XX/XX/2018, Bayview sent a letter thanking us again for sending the application for loss mitigation saying that within 30 days of their receipt of documentation, they will provide us with a written decision regarding our eligibility for an assistance program. On XX/XX/2018, Bayview sent another letter stating they had received the request for assistance from us, but were unable to consider this request because the submission date was too close to the proximity to the scheduled foreclosure date. I then contacted our loss mitigation representative, XXXX XXXX XXXX who told me that there was nothing we could do and that Bayview will not consider our application because we were within 37 days to the sale date. I pleaded with him for any help, including a short sale, deed in lieu of foreclosure, anything except the actual foreclosure. He said absolutely there were no options for us. On XX/XX/2018, we were informed by a private third party company, that our home WAS NOT LISTED FOR FORECLOSED ON XX/XX/2018. Subsequently, we have now learned that the actual posting date for foreclosure is XX/XX/2018, which is more than 37 days since the Hardship Application was submitted to Bayview. We have never heard back from Bayview again nor any attorney representing them. Our application should be reviewed and considered since we did submit it within the time frame Bayview requires. We were never given any rights to appeal their decision. We were given NO options or advice on how to proceed. We are upside down on our home due to structural foundation problem and hail damaged roof. We would like to keep our home and want to bring our account current, but need Bayview to help us.
The reason for my writing Is that Capital one is being unreasonable. I had a XXXX on XX/XX/2017. This XXXX incapacitated me for a whole month while recovering to my normal state, as a result, I fell behind on that month, monthly payment. I took the liberty to write to capital one to inform them of my medical condition. They requested that I send them proof of my hospitalization which I did attach a medical certificate as proof and my bank statements ending XX/XX/2017, which shows a balance of {$1500.00} in my bank account showing I had enough money on my accounts to make the {$27.00} payment which was past due were it not for the medical condition. Even Capital one knows my income is over {$400000.00} a year. As a result, I have no reason for me to fall behind if he was physically able to make the payment. But to my surprise, Capital one refused to remove the late payment history of the time I was down due to the medical condition which was 100 % not my intention or doing to be late. I have always had a good reputation with this company, I have attached the letters I sent to capital one for review.
I found out about Public Service Loan Forgiveness in XXXX and inquired about it with Navient who was my loan XXXX. I asked Navient to consolidate my loans and specifically asked if I was on the correct payment plan for PSLF and was told by the Navient customer service rep that everything was correct. It wasn't until XX/XX/XXXX that I learned through a co-worker that my student loans had to be transferred to XXXX XXXXXXXX XXXX. I contacted XXXX XXXXXXXX in XX/XX/XXXX to begin the process of having my loans transferred for PSLF. I again asked the customer service rep if I were under the correct payment plan to qualify for the PSLF and was told yes and it looked like I would received credit dating back to when my loans were consolidated in XXXX. XX/XX/XXXX I learned that I was in fact under the wrong repayment plan and none of my payments counted toward the 10 year PSLF program which meant that I made 4+ years of payments for nothing. Also I learned that my payments would have been less had I been under the correct plan. I was told by XXXX XXXX XXXX and Navient that nothing could be done and they were sorry that the customer service rep was not well trained in PSLF.
I have received countless harassing phone calls from XXXX XXXX XXXX for a debt that I have never heard of in my life. They call at all hours, and on Sundays, and they change the phone numbers they call from so I am unable to block them. I told them to stop calling and they ignored it. Please help! I have read so many online reports of this happening to others as well, so they need to be stopped!