WillisBack/dataset-financial-user-claim huggingface dataset:
Synchrony Bank ( formerly GE Capital Retail Bank ) persists in reporting a fabricated FCRA Compliance Date/Date of First Delinquency on my Lowe 's account. My attorney states that this is a blatant violation of the Fair Credit Reporting Act. 
As the attached history shows, my account became delinquent in early 2013 and I entered into an agreement to settle the outstanding debt in the summer of that year. The final contractual settlement payment was made in XX/XX/2013 at which time the outstanding debt was cancelled. Synchrony Bank has reported the FCRA Compliance Date/Date of First Delinquency to the credit bureaus as XX/XX/2013 or XX/XX/2013. Per attorney this is false and unlawful on its face because no delinquency or unpaid debt existed in those months ; all outstanding debt had been cancelled in XX/XX/2013 and could not have been delinquent in that month or the subsequent one. The first delinquency that should have been reported ( assuming the validity of the charge-off reporting here in the first place ) is the original delinquency leading to the settlement agreement.
I have received and email from Experian on XX/XX/2018 of a complaint I did not submit. They claim that they have investigated this address which I have never seen or have lived in XXXX. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Single family and that Information on this item has been updated as shown above. They have a Report Number : XXXX Date Generated : XX/XX/2018.

I have never lived in XXXX  nor been there. I disagree with the out come of this address which I never submitted in the first place. I want this unknown address removed immediately.

Also I have tried to have them remove addresses that do not belong to me.

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX All of these address are incorrect and needs to be removed.
On or about XX/XX/XXXX, ( Application No. : XXXX ) and again in XX/XX/XXXX, ( Application No. : XXXX ), I applied with Bank of America for a fixed rate on a loan in the amount of {$40000.00}, which is my understanding the minimum amount which must be taken in order to qualify for a rate of 5.6 % for a term of 20 years and monthly payment of {$270.00}. The two above loans were an attempt to pay-off my existing Home Equity Line of Credit ( Acct No. : XXXX XXXX XXXX ) in the amount of {$28000.00} and reduce the interest rate, which is currently 8.060 % with a monthly payment of {$210.00}, including finance charge of {$190.00}. As a loan condition, payments are taken directly from my BOA. The new loans would also have this same condition upon approval.

In denying the initial loan from XX/XX/XXXX, it was stated that my debt to income ratio was insufficient for the amount of the loan. However, it is interesting to note that although my debt to income ratio was the deciding factor in denying said loan, Bank of America offered me an opportunity to apply for a fixed rate on my existing loan at a rate of 7.5 % with payments in excess of {$300.00} which they stated would " more than likely '' be approved as i did not have to go through the application process and that same is solely based on my credit rating. This was unacceptable to me as my goal was to lower the existing interest rate of 8.060 %.

In reapplying ( Application No. : XXXX ) in XX/XX/XXXX, it is now Bank of America 's position that due to my first mortgage being in forbearance, they are unable to approve the new application. This is interesting as the Federal Disaster Act states that a forbearance related to a State of Emergency being declared in the State for which a mortgage holder resides SHOULD NOT result in an adverse credit reporting. In addition, in checking with my first mortgage company, they concurred that their reporting to the credit agencies on my loan does not reflect negatively insofar as their reporting and that they show no notations of someone from Bank of America making an inquiry as to same,.

As such, it appears that Bank of America is engaging in unfair banking practices in determining refinancing qualifiers when it comes to a consumer securing a lower interest rate in an attempt to collect on higher interest rates.

Additionally, while they have stated my debt to income ratio precludes me from being approved on the loans, it is further interesting to note that while i have repeatedly made overage payments on my existing line of credit of {$150.00} to {$200.00} per month ( thereby totally payments being made in excess of {$350.00} ) these payments have never been brought into question by Bank of America as to whether i could afford same based on my income.

Finally, in requesting Bank of America 's Corporate Office email address and/or address so that i can file a complain as to their unfair banking practices, i was advised by XXXX XXXX, Processing Manager in XX/XX/XXXX7, he was unable to provide said information to me.
I received a letter from Nationstar Mortgage ( now called Mr. Cooper ) dated XX/XX/XXXX stating no mortgage payment had been paid " since XX/XX/XXXX '' and " all payments from and including that date '' were due. XXXX XXXX XXXX had the loan at that time and I knew some full and partial payments had been made after XX/XX/XXXX through the time we received a loan permanent loan modification at the beginning of XX/XX/XXXX and we now have documents that we finally received from Nationstar or Mr. Cooper which shows those payments even though Nationstar added {$170000.00} to our loan modification mortgage balance based on their belief that no monies had been received after XX/XX/XXXX. It also said that {$200000.00} had accumulated for late fees, NSF fees and other fees and advances. This may have been a mistake since the then Nationstar Mortgage was taking over the responsibility of so many of the former XXXX XXXX loans, however, I do want it corrected asap.
Phoenix Financial sent me a letter that was back dated by two weeks stating I needed to dispute the collection within 30 days. The date on the letter says I received their services in the year ofXX/XX/XXXX, but I have never been hospitalized. The date on my credit report says the account was opened inXX/XX/XXXX. I immediately sent written correspondence disputing this debt, informing them it was n't mine and to send verification. I have sent them several letters over the years asking for verification they have never verified it. The account is up in dispute before it appeared on my credit and they never sent verification before adding it to my credit report.
I received several calls over the course of 3 days from the same phone #. The caller never left a message and called excessively each day until I finally answered on the third day. He said he was calling from Wells Fargo about my unpaid balance of {$30.00}. I asked him why I never received a statement he said he could not control the Post Office. So when I saw he was being sarcastic I told him I would check my account online and ended the call. My problem is this is the first time I remember getting a call from Wells Fargo about my payment being past due. I have had this account for more than 3years and have kept up with the payments. I do n't understand the need for calling me at least three times daily about a balance of {$30.00}. I do know a thing or two about collections. He should have left a message the first or second time so I would know what the call was about. Then he would not have had to call me a third time. I would have just answered. But still calling a customer three or more times in a day is harassment.
XXXX XXXX/XXXX/XXXX from XXXX XXXX. The creditors is reporting on my credit report as derogatory when it is not my debt and my daughter has XXXX. This is also a VIOLATION OF HIPPA LAW. My daughter indignation should not be disclosed to a XXXX party and this company is trying to collect when it had been paid my XXXX.
I believe the company failed to properly notify me of the terms and conditions of the debt such as the amount owed and payment due dates. The company stated because they have not received a payment in over over 30 days that they forwarded the account to the state of California tax franchise board for collection. I have not received any communication from AllianceOne prior to    XX/XX/XXXX  .  The terms of the payment agreement was NEVER outlined nor was there a payment agreement. Therefore, to send my account to another company is unjust and unfair legal practices. Secondly, the company charges a {$10.00} fee to make payments by credit card online and {$0.00} to mail a payment. I believe to charge such a ridiculous amount is also unfair to an consumer who is trying to settle their debt and are forced to pay {$10.00} as a " convenience fee '' when payment by mail are easily lost. AllianceOne is a terrible company that needs better business practices. There was never a payment schedule identified so it is unfair to suddenly send a threatening to suspend my driver 's license and forward it to the Calfornia Franchise Tax Board. AllianceOne mailed a lette r dated  XX/XX/XXXX  and on   XX/XX/XXXX   t  hey forwarded the account to another collection agency without giving me an opportunity to respond the letter.
I received a Macy 's bill for a {$2.00} " Fees Charged '' on a zero balance. The previous month the account was paid as agreed way before the due date. However on the XXXX of this month when the billing statement was generated they assessed the fee on what Macy 's confirmed was a zero balance and removed the charge. This has happened before and they have removed it. They even have a recording where you can have it removed without even speaking to someone! I feel as though they are throwing these fees out in hopes that a certain percentage of people will just pay it.
My account balance was  discharged in a Chapter   XXXX  Case #  XXXX  file d  XX/XX/XXXX   and converted to a Chapter  XXXX   XXXX  filed   XX/XX/XXXX .  To date the financial institution has continued to report my account negative to   XXXX   XXXX  . I was granted relief from this debt and I want the account removed from   XXXX   XXXX   immediately.
I had a checking account with Suntrust specifically to pay my mortgage. Roughly 4-5 months ago the local branch closed. I paid it online for a month or so then became locked out of my account. The closest branch is an hour and a half away. I was told I could pay via a XXXX number, so I did that. I recently received notice that I owed Suntrust {$68.00} and was shocked. I have never been late on my mortgage. When I called they explained because I did not use my account in two months they withdrew the {$30.00} and change I had in there for a maintenance fee which I knew nothing about. Then when it became negative due to the maintenance fee I was charged an NSF fee. This is unreal. They refuse to withdraw the charges and are threatening to send my account to collections. Suntrust Bank Account number XXXX
I signed a mortgage contract with XXXX XXXX XXXX on XXXX XXXX, 2002. Thirteen years later, I discovered mortgage fraud within the Promissory Note although XXXX XXXX XXXX had sold the mortgage to REGIONS BANK, As a result, REGIONS BANK participated in lack of transparency through illegal book keeping entries and propriety trading and bundling mortgages into Special Purpose Vehicle trusts as Collateral Debt Obligations on XXXX XXXX. This fraudulent activity is known as " securitization '', where the mortgage was already paid upon the receipt of the alleged borrower 's signature. Evidence of this fraud is attached copies of the Promissory Note. Notice how Copy A ( which the Defendant first signed ) lacks the signature of a bank representative. However, a close examination indicates the fact that a bank representative of XXXX XXXX XXXX had unlawfully endorsed the Copy B of the promissory note as a check with the " Pay to the Order '' stamp on it not only after I had signed it, but had did so without my knowledge thereof whatsoever and then REGIONS BANK sent a copy of it during the foreclosure proceedings. As a result, the promissory note was reported to the United States Treasury and Federal Reserve Bank as an asset ( See Exhibits ). These banks have not reported any of this transaction to the INTERNAL REVENUE SERVICE. This is an act of fraud, extortion, racketeering and tax evasion.
Received in US Mail a targeted promotional offer for a XXXX Citibank Thank You Points Bonus. Promotional Code = XXXX. 

Applied for and opened a CitiGold Checking Account. Requirements for bonus were 2 bill pays for two consecutive months immediately after account opening. I met the requirements in XX/XX/XXXX and XXXX 2016 - a Citibank Chat agent confirmed this. 

Confirmed again over secure message in XXXX 2016 with Citibank agents that I met the requirements for the bonus and agents said I should receive the points by XX/XX/2016. 

In XXXX 2016, I asked to reconfirm that I will receive my XXXX bonus points when they will post to my account, and was then told 2 months after ( XXXX 2016 ) that I will NOT receive the bonus because I was not targeted for the offer. I had opened the account in hopes of receiving the promotional offer, and then 3 months after account opening ( after confirming twice I met the promotional requirements ) Citibank refused to honor the promotion and denied me the bonus.
On XX/XX/XXXX I used the XXXX app to send {$200.00} to my mother. Id used it before with no issues. My mother registered with XXXX so I added her as a contact. On the app, it said the money was sent to my mother and the transaction was completed. However, the last digit of her phone number was entered incorrectly, so the money was sent to someone else. 

I called Wells Fargo the same day to figure out why she didnt receive the money and they told me it was sent to an account with XXXX XXXX XXXX, which she does not have. When we realized the phone number was incorrect, I called Wells Fargo again to see what could be done. They filed a money movement claim, gave me a case ID number, and assured me they wanted to help me get my money back. 

However, on XX/XX/XXXX I got a letter stating the case was closed and there was nothing they could do. If Wells Fargo puts this service in their app to encourage customers to use it under the guise of it being safer than XXXX, why do they not protect the customers who use it? By offering it through their own app, they market it as something trustworthy and do not educate their customers about the potential risks or the fact that they can not help if something goes wrong. I expect my bank to protect me, especially when using one of its services ( the Wells Fargo App ), and instead am left wondering why they would partner up with a service that does not have customers best interests or safety in mind. 

Furthermore, the person who received my money must have also been a registered user already based on how quickly the money was transferred. ( It was not left pending, as it would have been if the user was not yet registered. ). Why didnt XXXX protect me and my money by checking that what I entered matched XXXX own records? They allow the contact to be saved with whatever name is entered by the sender. I feel like I was not informed that this was possible and assumed the information was correct because it saved with the right name. There is no step in place to protect the sender - even the confirmation step only shows the saved contacts name, not phone number, for final verification.
I contacted synchrony bank that takes care of the XXXX  XXXX card I use. 
I made my payment on XX/XX/XXXX, they then charged me a late fee for being a couple dollars off? Paid {$25.00} like I always do, I wasn't aware of the amount difference or issue on the account. 
Some how the other payment for XX/XX/XXXX didnt go thru for the monthly amount I set it up for, they ended up closing the account for me/returning that {$38.00} fee and would not work with me to take care of the other late fee ( from XXXX ). 
I won't do business with them again, I got really upset with them and refuse to be their customer with their bad business practices, I paid my XXXX bill and said I'm done with them totally. They need to be better to their customers, thats why I chose to leave.
XXXX returned three times since they were n't sufficient funds yet continue to kept charging me over draft fees when they were n't even being covered. I went to a branch near me and made a huge payment to try to settle and close my acct but they had charge me over {$400.00} in overdraft fees. And now I 'm asking Wells Fargo to remove some of the overdrafts because they did n't cover the bills that were being posted.
I have a private student loan through Wells Fargo. I got behind on payments, but I knew I was starting XXXX school soon so I was looking forward to receiving a forbearance to postpone payments until I graduated. I started graduate school on XXXX XXXX. I informed Wells Fargo of this on XXXX XXXX because I knew my student loan was schedule to default on XXXX XXXX. Wells Fargo said I did n't appear on the XXXX, so I needed to get my school to fax Wells Fargo a document verifying that I was a student. I gave my school this form that same day, XXXX XXXX. XXXX XXXX was a Friday and my loan was scheduled to default on Sunday, XXXX XXXX. Wells Fargo claims they did not receive verification from my school until XXXX XXXX, so my loan defaulted and Wells Fargo is now asking for the entire balance paid in full. I believe my loan should not have defaulted because I was in school at the time, which Wells Fargo knew.
Sent dispute letter on XX/XX/18 & they failed to mark disputed within 30 days on credit bureau reports, as required by law. See attached credit reports, proving that they failed to do so.
My regular payment amount is {$68.00}. I always make my payment on time, and generally pay 1-2 weeks prior to the due date. For example, my due date is the XXXX of every month, and I typically pay around the XXXX of the prior month. In XX/XX/XXXX, I had already made my full payment due on XX/XX/XXXX. I knew my expected paychecks and other expenses coming up in XXXX, and wanted to make my XXXX payment early so I would not owe it later. On XX/XX/XXXX, I made another full payment and expected it to count for my next payment due on XX/XX/XXXX, so I was about 3 weeks early. However, upon talking with company representatives and a supervisor, I was informed of the limitations built into their system which caused my loan to mistakenly appear delinquent. The payment I made on XX/XX/XXXX was applied to the prior month 's payment ( due on XX/XX/XXXX, even though it was already paid ), so when I did not make another payment until mid-XXXX ( for my payment due XX/XX/XXXX ), I was informed that I was >15 days delinquent because I had not yet made my payment for XX/XX/XXXX. After talking the company representatives, my fees were reversed and payments fixed. I was informed that their system would consistently process payments incorrectly if they were paid too early. I was told that I should not make payments prior to the XXXX of the preceding month ( ex. I should not make my payment due XX/XX/XXXX prior to XX/XX/XXXX ). I thought this would be the end of my problems ... 
I continued to make payments AFTER the XXXX of each month with no issues until I received a second incorrect delinquency notice on XX/XX/XXXX. After a lengthy phone call with a representative and their supervisor, I was informed that they accidentally debited my account for {$200.00}, because someone else " accidentally made a payment on my account. '' Apparently, one day they credited my account {$200.00} and removed {$200.00} realizing it was incorrect. They then did NOT apply the payment I actually made of {$100.00} in XX/XX/XXXX ( wanting to pay down a little extra principal ). My {$100.00} payment was misapplied and only covered principal and no interest, and subsequently did not count towards my normal monthly payment. So when it came XX/XX/XXXX, I was delinquent because my payment once again was not applied correctly to my account. This time I received a notice stating I owed {$270.00} ( my {$68.00} monthly payment + {$200.00} past due + {$5.00} late fee ). The auditors and regulators of XXXX XXXX, and their parent company XXXX XXXX XXXX need to require the company to address the systemic issues with their loan servicing platform, which has proved in my case twice, that they are unable to process payments correctly and correctly apply them to principal and interest. I have now received 2 separate delinquent notices in the past 9 months, both due to systemic errors. Completely unacceptable and is causing consumer harm.
They have called several times from local numbers but are out of XXXX sc. They called about a debt from XXXX yrs ago that has since been taken care of, threatening to put a refusal to pay on my credit report. I googled their name and found thousands of complaints, about how they tried to scam thousands of others. Please shut them down before I become XXXX of them.
I have paid Navient since they were Sallie Mae and it seems like my balance has gotten higher. Im a single mom with two kids and a widow. I just dont know what to do.
We got a little behind on a loan after being good customers for over a year. They served us and we paid them in cash the court costs and the payments to get caught up ( this was XX/XX/2015 ). A week later they say we are behind we call repeatedly to try and determine what is going on. They refuse to take our calls and hang up when we give our name. In XX/XX/XXXX they claim they are taking us back to court and I write them a letter to call my mother because they refuse to take our calls. The agreement was {$75.00} every two weeks. Total amount owed court costs included was supposedly {$1400.00}?? this was verbally given they refused to give us anything in writing and they refused to give us the corporate number. XXXX the local manager was difficult to work with. No missed payments between XX/XX/XXXX and XX/XX/XXXX {$900.00} paid. Called for pay off and were told {$990.00}??. Called another store to get manager 's name and number. XXXX XXXX called claiming that she was the manager but she called from XXXX store. She will not listen she claims we owe {$640.00} and the {$350.00} in fees. She claims her employees would never be dishonest and if we had paid on time it would not have come to this. Ignoring the multiple attempts to make arrangements that they would not answer.