WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX has not corrected the issue they acknowledged and pledged to correct in a previous complaint. Per the XXXX Representative from the attached document for complaint number XXXX : " We indicated that we submitted a request instructing the credit bureaus to reflect this account as Closed ; {$0.00} balance ; Was 30 days late. Once this update is reflected, your credit reporting should no longer show as currently 30 days past due ; however, this update can take 30-60 days from the date it was submitted. We reached out to our Credit Bureau Department and verified the update was submitted to all credit bureaus as of XX/XX/XXXX. We sincerely apologize for the amount of time it has taken and any frustration or inconvenience this process may have caused you. '' On XX/XX/XXXX ( over 2 weeks past the 60 days indicated in the XXXX XXXX response ) I pulled a tri-credit bureau from Transunion yet again at a personal cost of {$30.00}. The negative attribute XXXX had committed to fix by XX/XX/XXXX remained on my report. I tried unsuccessfully, several times, calling the person who in the XXXX response wrote " If you have additional questions, please call me directly at.. '', leaving voice mails with absolutely no response whatsoever from XXXX XXXX . I thought I would give it a bit more time, and yesterday called the Transunion customer service to see if there was a change before I spend another {$30.00} on a credit pull. Unsurprisingly, the customer service rep could find no record of a correction being sent in from XXXX XXXX. 

At this point, unless Transunion is mistaken, it appears XXXX XXXX is knowingly reporting false information on my credit report.
I submitted a complaint last XXXX to the CFB regarding PayPal and a dispute that I had with them from XX/XX/2006 PayPal told the CFB that they lifted the restriction on my account however they continue to place an undue burden on me utilizing the service in light of this. Frequently holding funds from transactions several weeks and issuing only generic email responses and not answering my calls when I call to complain. As a consumer this places an undue burden on me when I sell something on Ebay and have to wait an inordinate and uncustomary amount of time to receive my funds when post people receive their funds instantly from items they have sold and mailed. Yes, they even hold my funds after I have mailed and sent the items with a tracking number. This is particularly egregious because customers who purchase from the site have no alternatives to pay for products. Ebay who owns Paypal forces consumers to use their payment processing service PayPal. So I am stuck with no response from the organization and I am continuing to be punished for a matter from 9 years ago that I thought we resolved last XXXX XXXX with Case number : XXXX
My complaint is against Paypal. Back in 2001 I was on a Paypal account which had a chargeback. Since then the company I left the company I had been working with and set up my own Paypal account. About 10 years later, Paypal took away my personal account and stole the money that was in it at the time ( XXXXXXXXXXXX ). I have tried to work with them since then and their representative told me, and I quote " you are simply XXXX ''. I ask for the help of the CFPB here. I did file a XXXX statement when they stole the money which I will attach to this complaint.
I am bankruptcy, am still going through bankruptcy. I have never had credit with capital one credit. the bill statement read XXXX balance,XXXX transaction,XXXX due XX/XX/XXXX.i did not ask for credit, i donnot want credit.i filed bankruptcy XXXX. I am still in the process
This company ( ERC  )  obviously got this item from the last bogus collection agenc y (    XXXX   XXXX   XXXX   (  XXXX  ), Case number :  XXXX  ) I filed a complaint with your office on   XXXX   XXXX   XXXX    . They have been calling and harassing for over  3  weeks. A few of the numbers they are calling from are :  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX , and  XXXX   XXXX   XXXX   XXXX . There are many others. They robo dial my home and cell phone numerous times a day.   Heres what I intend to do : If this bogus company sends this on to another collection, I will file suit against them for doing so. If they continue to do harassing calls, I will file suit.   When they got my information from  XXXX , they saw the documents I provided showing  XXXX   XXXX   XXXX  having been paid in full by a copy of the refund check made out to me for my overpayment of my final bill. This shows true malice on ERCs part.   I think a jury will reward me for taking someone like this off the market who obviously harasses people thinking they have a legal way to extort money from them.   Thank you Consumer Financial Protection Bureau for helping document how these companies work, as this only helps us when we sue them. The judge doesnt like that we have to use the government-tax payers money to stop crooks like this either.
I am writing to dispute  XXXX   XXXX  #  XXXX  on cr edit report number  XXXX  The balance listed on the account is incorrect. Please delete the account.
Please see attached documentations for this ongoing dispute of over 3 months with XXXX XXXX, and Their Financial Representative XXXX XXXX. Their adverse actions have disrupted my membership, and could potentially prohibit my future use of the facilities, or face heafty increased fees.
I was contacted in XXXX XXXX by my XXXX yr old XXXX XXXX saying a detective was trying to locate me gave me a number when I called it was a representive from fms who said he was in charge of my student loans and wanted me to pay XXXX dollars over phone that day and get set up on a XXXX dollar month repayment plan I gave him new adress and said if he sent me the mail I would respond he never called back in may i recieved letter from XXXX issuing wage garnishment to correct adress as he sent everything to prior adress in tn I had not lived there since XXXX I never recieved his companys paperwork garnishment started immidiatly upwards of XXXX amonth and a yr later i still owe more than orriginal loan amount XXXX did an eternal review and denied my request for lowering payments even with childsupport taxes state and federal and insurance payments of XXXX a week this company has unlawfully cased my family hardships and made me finacialy unable to retain couinsil to defend myself and had not had contact with dept of education since XXXX when the company who had my loan went out of bussiness obviously I didnt have an oppertunity to respond to thier claims as i never recieved them at present adress.
This is an ongoing issue with my mortgage servicer. Even after a previous complaint to the CFPB regarding improper handling ( Case number : XXXX ) of my account I can still get ZERO information on this loan. Ocwen made a motion to the bankruptcy trustee to receive a XXXX payout after my case was dismissed. The judge awarded them the money over a month ago, but i have been unable to track down where missing funds currently are. The balance on my loan changed by a small amount yesterday, so i called both yesterday and today looking for information and no one will tell me anything other than my account is being handled with " legal '' - and treated me like I had somehow defaulted or caused this problem with the loan. 

My mortgage is not being properly serviced and I am being denied basic information on my account. I made payments in good faith to the bankruptcy trustee on this account and because of Ocwens poor practices the money was never applied. Now - I ca n't even get any information on the account and am being treated like I am the one who did something wrong. This morgage was current for YEARS before being transferred to Ocwen.
The transaction of {$210.00} ( XXXX Euros ) was made in error and paypal was notified immediately of the error. Two duplicate transaction was made for the same amount for photography services on XX/XX/2018. However, one of the payments were made in error because they were not the correct merchant to provide those services. I attempted multiple times to resolve this issue with paypal over the phone and kept having my claim denied. I was in direct contact with the merchant and was told by the merchant to cancel the transaction because I did not use the correct email address. I explained this multiple times to PayPal and they kept denying my claim and they told me it was my fault for sending money to the wrong person and I authorized the transaction in question. I have email copies from the merchant saying to cancel the unauthorized transaction to the wrong individual. I have been trying since last year to resolve this claim.
I had a XXXX XXXX XXXX Card with a {$0.00} balance. XXXX apparently decided to switch their business to XXXX. I did not want a XXXX nor did I receive one. Several months later in XXXX 2016, I received a bill from XXXX XXXX for XXXX. I called and was told that I should have known about this and that I owed this money. When I asked what it was for they indicated that it was for the annual fee +late charges+interest. I asked how they could charge me an annual fee on a card that I had neither signed for nor asked for. - They indicated that they did not charge it, XXXX XXXX did ( I recd no bill from them ) and then XXXX XXXX transferred the charge to their XXXX. They indicated they could reverse the the late fees etc. and make sure they did not get on my credit report if I agreed for them to send me a new card ( which meant paying the {$40.00} ) I felt compelled to do this to keep my credit rating. Before I activated the new card, I checked my credit report and found they had reported me to the credit agency. Not only that but they had once again charged me late fees and interest even though I did not have a new account number to send the {$40.00} to. Once again I called them and asked to speak to a supervisor -after telling me that they could not do that without me giving my social security number, I told them I was calling the FTC and a supervisor was instantly found. I told the supervisor my story and told her that I did not want the card because they had lied to me about sending the information to the credit agency and charged me fees and interest once again even though I had no new credit card number to apply a payment to. She indicated that I could have cancelled the card last month when I spoke to the other person because it was within their time frame but now it was too late and I must pay the {$40.00}. 
I have now paid the $ XXXX however, I feel I should not have to pay a fee for a credit card I could not and did not use for all these months - In addition, I feel my credit report should be wiped clean of this mess. I feel that it is fraudulent to charge a fee on one account after you have indicated you will not be doing business and then trade the charge to another account without the express ( written ) consent of the consumer. If this is legal please tell me in what section of the Federal Rules it resides and I will be looking to get the law changed in favor of the consumer. 
I want my fee refunded and my credit report cleansed. Thank you
I had recently heard that switching to a bi-weekly mortgage payment can help cut down interest on your mortgage by adding an additional payment each year. The earlier smaller payments would help reduce the amount of interest accruing as well if its not held until the original due date. 

I contacted PennyMac to change my mortgage payment to a bi-weekly payment. I was told I would have to pay my entire months mortgage up front before they would allow me to swap to a bi-weekly payment system. I payed my mortgage 15 days early and wanted my bi-weekly payments to go into effect starting on the XX/XX/XXXX for the upcoming month. I asked the agent specifically if the payments would be effective immediately or if they would be held in an account. I was told they would be effective from the time of payment and would not be held in an account. 

A few weeks later, I am reviewing my payments and see that my first bi-weekly payment has not been applied to any principal or interest. I contact PennyMac again on XX/XX/XXXX and I am told that the payments will be held until the total sum of the bi-weekly payments is equal to the total mortgage payment. I am also told that if I want to cancel bi-weekly payments I will need to pay the full months mortgage in advance again. 

That has put considerable financial hardship on myself and my family. I am simply trying to be a responsible consumer and pay back my debt in a timely manner.
Dear Sirs ; I recently called Freedom Mortgage to discuss removal of the 30 day late that was reported on my credit that I was unaware of and was asked to put it in writing and send for their consideration, which they quickly declined.
The issue is, I was not aware the auto-pay payment had not been processed til I received a alert from my credit tracker advising of the 30 day late. Note that I was not notified at all by Freedom Mortgage until after they reported the 30 day late. 

I even called the automated system and it said my next payment was due in XXXX. I could have easily taken care of this immediately had someone let me know sooner. 

I asked them to grant me the courtesy of removing this late from the credit bureaus as it is causing me much stress as it has negatively affected my credit rating. I always pay on time, and have this on autopay since I first got this loan so I could set it up to pay automatically to ensure things get paid on time and am very disappointed this happened despite being on automatic. 

Thank you for your consideration, I do hope you are able to help me. 

Blessings to you & thank you
Amex continues to decline my request to remove the account which I am no longer an authorized user in the XXXX report. 

I was added as an authorized user originally but the account owner closed the account, so it should not be reported on my credit report any more as I am not financially responsible. I was able to remove these accounts by submitting a dispute to XXXX and XXXX ; however, it did not work for XXXX and XXXX advised me to contact Amex. 

Amex Credit Bureau XXXX kept referring to 'legal reason ' or 'Fair Credit Reporting Act ' as a reason not to remove ; however, I am not aware of any issue like this and I had no issue removing my other accounts where I was added as an authorized user from XXXX and XXXX. Amex even told me to write a letter to their legal counsel if I want to get an exact legal answer and I do not feel this is an appropriate way to handle this simple request. 

Please help me remove this account from my report.
As of this morning XXXX accounts were deleted from my Equifax report that I had disputed. Then later in the day they were added back on. Since then my credit has dropped and started the aging on those older accounts all over again! As laws go, the Fair Credit Reporting Act ( FCRA ) If an item is inaccurate, the bureau has to remove it. If they later discover that the error has been corrected they cant put the negative item back in your report. But if they do that they first have to tell you 5 days before they reinstate the item.
I wrote numerous letters to the debt collection agency and the provider, as well as numerous phone calls. The debt reported on my credit turned out to be inaccurate by the provider and I did not owe anything. I was assured the provider would have the debt collection agency remove the items from my credit report, but to-date the items still appear on my credit reports.
I received a letter from XXXX XXXX, XXXX stating that an escrow refund check in the amount of {$900.00} from XX/XX/XXXX had not been cashed, and they needed me to fill out a form stating that the original check had been lost or was never received so they could re-issue. The letter was dated XX/XX/XXXX, and I returned it to the original sender, XXXX XXXX of LoanCare , LLC ( XXXX ), on XX/XX/XXXX. I guess my understanding is that LoanCare is the servicing agency for XXXX XXXX? Regardless, after receipt of our signed letter, XXXX XXXX stated issuing the check would take 7-10 days to process, and then mailing time. As of XX/XX/XXXX, we still have not received our check and are concerned about the status of it.
My XXXX sign-up bonus for the American Express Platinum card was clawed back by AMEX. I meet the spending requirement within 3 months of my card opening, and I do n't know why AMEX are doing like this. It 's not a good way to do business. There 's no official letter to notice me. They just clawed my sign-up points.
XXXX XXXX is still reporting a negative balance and account on my credit. I settled this debt with the company collecting on their behalf, in XX/XX/XXXX.

XXXX XXXX attorney Contacted me when I was attempting to settle said that GM  advised me to call them and she gave me their number : XXXX.

I called them and they told me an outside agency named VITAL is collecting on the debt now. Their number is XXXX - XXXX   account number XXXX.

I called that company On XX/XX/XXXXI settled the debt for {$1500.00}. It was paid and they advised me that the account was a XXXX  balance.

Now they won't return my calls and XXXX is still reporting on credit. I have contacted my attorney and the next correspondence will be from him if they do not fix this issue.
ALLY Financial assessed Excess Wear on XXXX Chevy MaIibu returned by XXXX XXXX to XXXX XXXX XXXX XXXX NY on XXXX XXXX 2014 in the amount of {$1000.00}. XXXX XXXX paid out on XXXX/XXXX/2014 an amount of {$650.00} for Policy Number XXXX, Claim XXXX. ALLY refuses to credit XXXX 's Account and continues to request payment of original {$1000.00}. ALLY in violation to federal Fair and Accurate Credit Transactions Act reported original balance as delinquent to credit bureaus. ALLY continues to investigate matter further and refers matter to Collection Agency who insist even if XXXX XXXX did make partial payment, XXXX still owes the original amount ( per XXXX XXXX XXXX XXXX.
XXXX no longer serves its ' purpose, there is no way to easily get your credit report the way the reporting companies have set this site up. What a shame, a system meant to force private industry to be responsive to the consumers who information they make their profits off of, has been infiltrated by the reporting companies and completely neutered of any relevancy, a dnwe have the great folks in charge of regulating this at the FTC to thank. Thanks for doing your job for all American ( companies ), you guys really deserve a raise. ( Hint, the American citizen has been tapped out already, any raise you people get for doing absolutely nothing is going to have to come from your corporate overlords from now on. )
I filed a dispute regarding a charged off account that is still show a balance when the balance is XXXX. They stated that the account is verified but they never send me how they got the account validated. Also I have inquires that are not authorized nor I received any credit from them. they are refusing to delete those inquiries. Charged off account have balance. NO CONTRACT the information is innacurate and I have notified them many times by phone an by letter.
On XX/XX/XXXX I placed a fraud alert on my credit reports as I became aware there are multiple fraudulent accounts on my credit reports. 
On XX/XX/XXXX I paid {$11.00} for a certified letter to Trans Union containing a signed and notarized document regarding the fraudulent/unauthorized information on my credit report. The certified documents were : signed and notarized and a federal trade commission identity theft affidavit. 
On XX/XX/XXXX I received confirmation that my certified packet was received by Trans Union. 
On XX/XX/XXXX I paid {$29.00} to my credit monitoring website, XXXX to refresh all three credit reports to review. I noticed that said fraudulent account has Not been removed by Trans Union. 
On XX/XX/XXXX I resent another certified letter to Trans Union containing a signed and notarized document regarding the fraudulent/unauthorized information on my credit report. The certified documents were : signed and notarized and a federal trade commission identity theft affidavit. 
On XX/XX/XXXX I received confirmation that my certified packet was received by Trans Union. 
On XX/XX/XXXX I paid {$29.00} to my credit monitoring website, XXXX to refresh all three credit reports to review. I noticed that said fraudulent account has Not been removed by Trans Union. 
According to The Fair Credit Reporting Act, Section 611, the respective credit bureau has 30 days to investigate and remove the fraudulent account and not put it back on the consumers credit report. 
It has not been over 60 days since I sent the original certified letters to Trans Union and the accounts have not been removed. 
I am submitting a formal complaint with the Consumer Finance Protection Bureau to get assistance on this imperative matter.
On XXXX XXXX, 2016 I was contacted by a person claiming to be from a collection agency ( not named ). I did not get the name of the woman on the phone. She claimed she was calling about a past due debt, but did not provide any information about to whom I owed the debt. Instead, she started asking personal questions which I refused to answer, since I did not initiate the call and she did not provide any information to allow me to trust her. I hung up. The only information I have is her phone number and the city from which she called. The phone number from my recent 's list is ( XXXX ) XXXX. The city is XXXX, Minnesota. This seemed to be a phishing call. The questions she was asking were all information any vendor would know.
There are   XXXX   very old  XXXX  accounts that are not supposed to be reporting on my credit. The   XXXX    XXXX  card account has an account number of "  XXXX ****** '' with an open date of  XX/XX/XXXX . The   XXXX     XXXX  card account has an account number of "  XXXX  '' with an open date o f   XX/XX/XXXX . Years ago, I ran into serious financial hardship and was not able to pay these accounts at the time. I communicated my situation to my creditors and  XXXX  was one of the companies who stated they would request a deletion to the bureaus of the  XXXX  charged off credit cards after I paid. It has been almost six years since I paid these accounts so I do n't understand why the credit bureau is only saying that   XXXX   is verifying the accounts. That is not even my dispute. I know these were previously my accounts. The credit bureau is not processing my dispute properly and this is one of the reasons this process has been delayed for so long. Just to be sure I 'm not being given the runaround, I called  XXXX  a couple of weeks ago and they told me they do n't even have the account in their records anymore! This is a problem because this credit bureau is refusing to honor my creditor 's deletion request.
I do not owe this debt and would like for it to come off all  XXXX  credit bureaus.