WillisBack/dataset-financial-user-claim huggingface dataset:
I SUBMITTED DISPUTES TO VALIDATE THE FCRA VIOLATION PER INCORRECT CREDIT ACCOUNTS LISTED ON MY CREDIT REPORT. THE CREDIT AGENCY REFUSE TO REMOVE THEM EVEN AFTER PROOF WAS PROVIDED TO THEM THAT THESE ACCOUNTS WERE IN ACCURATE.
There is an account that is past the statute of limitations and need to be removed and is also unverifiable which is XXXX XXXX XXXX # XXXX I need some help I have disputed this several times with no correction and removal
A letter was sent to Transunion Credit Bureau to revise my credit report information on the phone application XXXX XXXX  sponsored by XXXX XXXX. I received no response. XXXX XXXX was emailed directly and failed to respond.
I just RECIEVED a letter from my mortgage company " CitiMortgage " I RECIEVED the letter on the XXXX of XXXX that on the XXXX of XXXX our mortgage will be sold to XXXX Mortgage a division of XXXX Bank. The letter also states that " if they have n't RECIEVED evidence of current insurance they would be canceling ours effective transfer date '' my concern is XXXX fold. 

1. This type of notification did not provide us the " 15 working days " that is required by law in order for the account holder to sell the " account " 2. Upon receiving the letter it leaves us only 5 working days to contact them, ensure they have the insurance and also ensure that the proper notes are also carried over.
Citibank is engaging in deceptive business practices, allowing vendor 's, merchants to place reoccurring charges on the consumer credit card without the consumer knowledge or consent. 

Each time I had to reach out to Citibank for reoccurring charges the only remedies provided is the consumer having to closed out existing card and open a new card.
I had to change cards ( 4 ) times in the last year due to Citibank allowing vendors merchants to access and charge my account at will and without my consent.
Citibank is claiming that if the merchant claims membership or some sort of dues they have the right to submit authorization for reoccurring charges without any documentation or consumer signature authorizing said reoccurring transactions.
The consumer is under the impression that only authorization provided is for a one time charge neither the vendors, merchants or Citibank is disclosing reoccurring charges were set-up allowing unauthorized charges to be placed on the consumers account and Citibank making monies off the additional interest charged.
Midland Credit Management , Inc. constantly keeps sending me letters, and contacting me about an account that is not mines. The account was opened fraudulently and does not belong to me. The company keeps harassing me about debt that I have no knowledge of.
This is a notice to cease unauthorized inquires into my credit report and a formal demand that you immediately contact the credit reporting agencies and bureaus to have your illegal inquiries removed. While checking my personal credit report from XXXX, I noticed an inquiry made by your organization. 

The details of the inquiry are as follows : Address Identification Number : XXXX Inquiry made on : XXXX/XXXX/2014 Inquiry made by : Bank of America I did not approved your organization, or any person associated with your organization, to make such an inquiry. This violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I also demand that you remove my personal information from your records. Please send written confirmation that you have complied. 

If you believe that you posses sufficient document that supports your authorization to make the inquiry, please forward a copy so that I may verify its validity.
Sears wrote to me and said my credit card could be closed due to non-use. I used the card for small purchase of {$1.00} for website domain, {$9.00} for an event and {$14.00} for XXXX XXXX vitamins. These charges were authentic and have been paid for. However, recurring monthly charges of {$14.00} were showing up for web hosting that I did not order through XXXX. I disputed the charges online and Sears says they credited the account once for {$14.00}, agreeing to my dispute. I was transferred to place a block on the recurring charge. I spoke to XXXX. I asked for a new card with new # 's and exp. date, but was turned down on XXXX. I was to be emailed a new status of my account with the credits applied and recurring charges to be blocked. My account would then actually have a credit. However, I am now receiving around 25 phone calls since XXXX that I need to call them back. I have actually received more calls than this, but this is just since I wrote the " cease and desist '' order. This was after I faxed a notice on XXXX to them to stop harassing me and not to call the house. I received confirmation that fax went through. I then followed up with a letter to Citibank to block the account and shut it down. Instead of replying to that letter directly, Citibank sends me a letter on XXXX asking if I'm having financial difficulty and threatens to ruin my credit with an amount due of {$36.00}. On XXXX it is now over {$75.00} sent by email. On XXXX I get a notice from credit karma that my credit rating has changed - it has dropped 180 points because Sears has reported the disputed charges as late payments. Now I am having a problem logging into the Sears card account to check the account status. I can see why the Sears company is in danger of going out of business forever!
My complaint is concerning my mortgage info being removed from our, my husband and mine, credit bureau report. I recognized the problem when I viewed our credit reports on XXXX XXXX 2016. I was told by, XXXX of XXXX ( Dispute dept. XXXX ), that our mortgage info had been removed by HFC, Member HSBC XXXX, XXXX. XXXX XXXX, XXXX, FL XXXX, phone # XXXX. XXXX told me that she knew that HFC removed the info, because XXXX database showed an exclusion code from HFC, and that sometimes businesses removed info for maintenance or optics reasons. I then called XXXX on XXXX XXXX 2016 and spoke to XXXX a supervisor, who told me that for business reasons, HFC temporarily suspended reporting on all their mortgage info to the credit reporting agencies, because they did not want to report anything negative. My response was, " when you pull info from a persons credit report it reflects negatively and will cause the credit score to decrease which would affect your customers negatively. '' He then told me that he did not know if or when HFC would be putting the info back and that I would have to fax my complaint to their Credit Bureau Dispute and Inquiry dept. The fax which was given was XXXX. I asked him would this dept. be able to add our mortgage info back to our reports. He said, no ... my reason for filing this complaint. I have never heard of such a thing and without notifying the customers. Is this even legal? I am also concerned, because this mortgage was applied for in the state of Arizona and I recently saw an XXXX news report in XXXX 2016 about lawsuits against this company.
On XX/XX/2018 I noticed a credit card taken off my credit report. I also noticed that the same card that has been taken off my report without my consent is also reporting to all three credit bureaus but, they removed it without knowledge to why there affecting my credit. I have been paying all my credit and it is still below 550 on report although 1 account would not lower my score to that point of a drastic change. I am also have been compromised with emails, and it seems that someone is using or interfering with my identity for some apparent reason. The past 90 days my credit has been paid timely and the banks state there being told to lower my score based on my credit scores that I believe is being compromised deliberately through this computerized system that is able to do fraud acts to consumers since this breach of identity with the credit bureau who was compromised all my scores are below and my cards are being removed even thorough this would have helped my score it seems someone is affecting my credit score to prevent me from moving forward. I would like an investigation. I have six credit cards and one was taken off without no explanation and no one seems to have any idea to why it was deliberately moved. That would change my scores and all the banks have lowered all my credit cards based on whatever is going on.
I have a loan with MERCEDES-BENZ FINANC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and MERCEDES-BENZ FINANC with no successful resolution. XXXX, XXXX   and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2016.
This this is not a duplicate of CFPB Case number : XXXX as it is a new and separate incident. 

On XX/XX/XXXX, after the issuance of the XX/XX/XXXX for XX/XX/XXXX installment statement and immediately prior to the Trustee Sale of XX/XX/XXXX, Bank of America bought down the principal balance associated with this account twice, meaning it was bought down XX/XX/XXXX and put back after I called Bank of America on this illegal activity related to a mortgage or Deed of Trust and then bought down again XX/XX/XXXX. 

According to the information and representations provided to me on XX/XX/XXXX by XXXX ( Customer Service Department ) and XX/XX/XXXX by XXXX ( Home Retention Department ) Bank of America employees, the XX/XX/XXXX and XX/XX/XXXX installment payment amount is {$1100.00}, reduced from {$1500.00}. I was also informed the adjustable rate mortgage ( ARM ) will adjust between {$1100.00} and {$1200.00} effective XX/XX/XXXX which is supported by information received from the Trustee, XXXX XXXX XXXX XXXX ( XXXX ), that the MAXIMUM bid at Trustee 's Sale and public auction has been reduced to {$300000.00}. Obviously, this amount excludes the MHA and CalHFA monies due at time of sale. To date, neither the MHA and CalHFA debts have been satisfied and are currently attached to the account. 

This account is a signature loan as established XX/XX/XXXX and the associated real proprty had not been used as collateral to secure the XX/XX/XXXX Deed of Trust that Bank of America has foreclosed upon after a seven ( 7 ) year delinquency and after a rejected settlement offer made a year before recording a Notice of Default ( NOD ). Clearly, the Notice of Trustee Sale ( NTS ) ( which I have yet to receive a recorded copy of ) is a retaliatory action related to a mortgage or Deed of Trust. 

All previously mentioned resolutions are desired and mandatory.
On XX/XX/XXXX, I checked my credit report with XXXX and noticed that Equifax has put an account back on my credit file that was removed on XX/XX/XXXX. Called the Equifax Consumer Affairs Directly @ ( XXXX ) XXXX and spoke with a guy by the name of XXXX and was told he ca n't help me because I need to submit an ID. I explained that he already has my ID on file he hung up on me. Called back and got XXXX basically she was willing to help until she read the message that the previous gentlemen wrote on my account. Their customer service is horrible and that 's why they 're getting sued. Basically, XXXX downplayed the CFPB website stating that they 're a 3rd party and their not valid when I told her I 'll upload my ID to their website. My call was based on a previous complaint I filed with CFPB # XXXX against Equifax they were reporting XXXX Acct # XXXX on my credit file and they should n't. After their investigation, they responded to the CFPB that it was removed. Today Equifax has put it back on my credit bureau without notifying me prior that it 'll be back on there. Here is the supporting documentation.
I applied for a small personal loan online. I was directed to XXXX XXXX XXXX. I was misled and misinformed by the agent who spoke with me. I was never told about the interest being {$3100.00} on a {$1000.00} loan. I also feel like the online form that I signed has been altered or changed. The payment schedule was not posted. I never would have signed that. This seems completely fraudulent and misleading. I can not afford {$3100.00} on a {$1000.00} loan. I have closed my checking account to stop this company from collecting an insane amount of money for the amount loaned. There was no transparency with regar to their gouging practices. Shameful business. This business obviously preys on people down on their luck financially and then robs them via their bank account. Do NOT do business with them. They are thieves.
I received a call in XX/XX/2016 regarding an attempt to serve me with court documents to take me to court of a payday loan from Check Into Cash. XXXX XXXX XXXX contacted me at my work threatening to serve me papers at home and if I was not home to accept they would serve me at work. I had not talked to anyone regarding this issue or received anything by mail regarding this debt collection prior to this. When I did speak with someone they were not flexible on making payment arrangements. They basically told me how I had to repay the debt without any consideration of any of my other debt I had going on. I was given a deadline to submit a small payment and then once that was paid I had 3 months to pay {$240.00} monthly by the XXXX of each month ( XX/XX/XXXX ). When I did not pay on XXXX/XXXX/16 they began harassing me again and leaving messages at my employer. I previously stated to them I could not receive personal calls, but yet they still called and left messages. I made the XX/XX/XXXX payment when I was able to in XX/XX/XXXX, but also requested they provide me something in writing regarding this matter as they still had not provided anything to me in writing. I also requested in writing they not contact me at work because I could not receive personal calls. On XX/XX/2016 and XX/XX/2016 I received voicemails from XXXX XXXX regarding XX/XX/2016 payment not received. The message I received was asking that I provide something in writing or make contact if I am not able to make the payments timely, but why would if they were not flexible in the beginning and they demanded I make payments on the XXXX of each month. Realistically that was impossible for me. I received a voicemail today telling me I was going to be served papers again on XX/XX/2016 and I needed to be home between XX/XX/XXXX to receive these documents. I have to work. I also commute to work, so how am I supposed to be home between XX/XX/XXXX to receive anything especially when they have never mailed me another regarding the debt.
I co signed for a loan for my son through XXXX XXXX which eventually was sold to Navient. The total amount of the loan was for {$5200.00}. The loan payments started on XX/XX/2007. I faithfully paid {$90.00} every month for the last 10 years. At one point XXXX XXXX screwed up my payments and started charging me a late fee. I called and asked them to fix this which they did but at another time they started assessing another late fee when I was n't even late. Based on my calculations, I have paid back {$9300.00} in principal, {$10000.00} in interest for a grand total of {$19000.00}. This is almost 4 times the original amount of the loan or a 74 % interest rate. My payment due date was considered the XXXX of each month. Last month I called Navient to explain this situation and asked for my loan to be considered closed and paid off. They would not do so. Attached is a document I pulled off Navient 's website showing my payment history for this loan. You will see that I was almost always early with my payments. I feel Navient misappropriated my money and abused my account. Plus I strongly feel they should repay me some of the money I overpaid to them. Thank you for looking into this for me.
The home sold at foreclosure auction XXXX/XXXX/XXXX back to the bank. The homeowner applied for assistance before the foreclosure sale date and has not been reviewed for help prior to this submission. There is also no previous modification since XXXX applied to the loan. We spoke with representative XXXX ID XXXX on XXXX/XXXX/XXXX and he confirmed that the clients modification request was sent to underwriting on XXXX/XXXX/XXXX.
I sold my house in XXXX XXXX, and paid all the utilities in full. That was almost 2 1/2 years ago. On XXXX XXXX XXXX I was forwarded a collection letter asking for an additional {$180.00}, for which I had no clue who the creditor was or why. The collection letter was dated XXXX XXXX, XXXX, but sent to a very old address, and somehow, almost 3 weeks later, I received the collection letter. I asked the collection co to the details of the bill ( aka validation of the debt ), and gave them my correct address. On or about XXXX XXXX XXXX, I received a statement, and although I did n't believe the debt was owed, I agreed to pay it, providing that no adverse reporting to the credit bureaus were made. The rep assured me that it had n't, and that they do not report. I asked if I can call back after I verify my reports. I did verify my report a couple of days later, there was no adverse reporting, so I called the collection company to pay the ( disputed ) debt. I was then told that the day after I called to inquire about the debt, which was within a few days of reviewing the validated ( yet disputed ) debt, that they inadvertently reported negative info to the reporting agencies. I asked to be transferred to a supervisor. Her name is XXXX. She refused to acknowledge the FCRA, which provides me time to request and review an unknown debt. She insisted on NOT removing the adverse and premature reporting, stating that she is going by the date of collection letter which was XXXX XXXX, which I received XXXX XXXX, and the validation was received XXXX XXXX. She is wrong and violated my rights, and the law. I have since paid the bill, in full, and wrote letters to the credit reporting agencies with copies of the dated letters. 
The collection company is FIRST COLLECTION SERVICES in Arkansas.
We had our primary home foreclosed on XX/XX/XXXX, at the time we had a XXXX Mortgage as well as a XXXX Mortgage/Equity Line, both with Wells Fargo. The XXXX Mortgage has reported to the credit bureaus that the debt is attached to a property that was " Foreclosed '' and stopped actively reporting to the credit bureaus at that time. However, the XXXX Mortgage was listed as a " Charge Off '' but is still actively reporting every month to the credit bureaus. After consulting with a handful of real estate attorneys and Banking Mortgage Representatives, we are hearing from all of them that any attached mortgage should cease reporting on a monthly basis to the bureaus, and simply be listed as a " Charge Off ''. We already have the burden of carrying a foreclosure on our credit, but having the XXXX mortgage continue to report each and every month is simply insuring that we ca n't rebuild our credit. 
We submitted a dispute to Wells Fargo XX/XX/XXXX, using the fax # provided to us by a Wells Fargo Representative, requesting that we receive some feedback about this matter within 30 days ( the fax and confirmation are attached ). We have yet to hear anything from Wells Fargo, so we are asking for assistance from the CFPB. Any feedback that we can receive will be greatly appreciated.
To whom it may concern, On or about XX/XX/XXXX I discovered that TransUnion was still reporting an alleged Bankruptcy on my credit report known as : BANKRUPTCY CHAPTER XXXX-FILED, XX/XX/XXXX, {$0.00}, XXXX, FEDERAL DISTRICT, no further information was being reported at that time, no name, no address, no amount, no social security number, no date of birth as required. 

There is NO mentioned whether this alleged Bankruptcy was dismissed or discharged which clearly proves it is an incomplete filing therefore violating both State and Federal Law. 

On XX/XX/XXXX I sent TransUnion a letter ( see attached ) using Certified Mail and not only disputing this erroneous filing I requested validation of where the information came from in the first place and that it be validated with the Court who is the ONLY ones who can legally validate supplying first hand information. 

The response I received from TransUnion was they verified it with XXXX XXXX a 3rd party. I contacted XXXX XXXX and they replied telling me that there is NO information in their system with regard to this alleged Bankruptcy ( see enclosed letter from XXXX XXXX ). It 's important to note here that NONE of the other Credit Bureaus are reporting this erroneous reporting ( see attached Credit Reports from XXXX & XXXX ). 

In the event I need to file a Federal Law Suit in order to get TransUnion to remove this erroneous filing I thought it wise to contact the Federal Bankruptcy Court to see what their policy and procedures are when supplying information to TransUnion and their reply letter to me was very clear that they DO NOT supply TransUnion with any information. 

On XX/XX/XXXX the ( 3 ) main reporting Bureaus, XX/XX/XXXX, XX/XX/XXXXand TransUnion as part of a settlement with several Attorney Generals throughout the Country agreed to insure accurate and complete reporting including, name, address, social security number, date of birth and were ordered to delete any files that were not in compliance. 

Based on all of the above mentioned requirements and based on the fact that there is nothing saying whether this alleged Bankruptcy was discharge or dismissed nor is there a dollar amount which is also required I respectively demand that TransUnion delete this erroneous filing and send me a letter of that deletion for my files. 

Thank you for your kind consideration. 

Respectively, XXXX XXXX
In XX/XX/XXXX a rep from Aqua Finance , Inc came to my new wife and I and sold us a water treatment system for a house in XXXX but after the system was installed their rep returned and informed us that because of a recent bankruptcy from XX/XX/XXXX, that there was a problem with the loan and that my now ex-wife would have to file for the loan by herself which she did, but since they are unable to collect from her they are using the 1st contract that they denied with me as part of it to collect from me. I have asked them to send me prove a approved loan in the form of a invoice which they have yet to do all the send is a copy of the 1st contract. I made a complaint to the XXXX and even in their answer they state that " Numerous conversations were had between me and them and that I even made a payment via a credit/debit card on XX/XX/XXXX '' which if further looked into we find that all were made by the true owner of the loan my ex-wife ... .to which I have been divorced since XX/XX/XXXX and that I had moved back to XXXX  also in XX/XX/XXXX..I also have been on XXXX since XX/XX/XXXX and on XXXX  since XX/XX/XXXX ... I have never claimed this loan and persist that again the 1st contact was denied, which is their only proof and which I believe has to be illegal to do.