WillisBack/dataset-financial-user-claim huggingface dataset:
i was tolled i would have a credit score of XXXX at the end of six months.by the Customer Support Specialist worked on my case. which she no longer works their.. in fact they lowered my score ... nothing changed. they keep disputing things that i was paying on like my car payment, my credit card, etc. they company is parkview credit.
XXXX CALLED MY CELL NO ( XXXX ) XXXX 13 TIMES. THEY LEFT VIOCE RECORDING SKIP TRACING FOR FAMILY MEMBERS. I SENT CEASE COMMUNICATIONS VIA XXXX-FAX AND ONLINE.
I sent 3 certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section.
2. Failed to provide copy of the original contact bearing my signature.
This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item.
Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Santander account XXXX ... last four of social security XXXX, D.O.B. XX/XX/XXXX - XXXX XXXX. <P/>On XX/XX/XXXX Santander reported a balance of {$12000.00} to XXXX. To XXXX they reported a balance of {$15000.00} for the month of XX/XX/XXXX. On XX/XX/XXXX I recieved a settlement offer that states the balance as {$16000.00}. To XXXX they reported the account as opened with a balance. To XXXX they reported the account as closed with a balance. To XXXX it was reported closed with {$0.00} balance/paid in full. <P/>Also, the payment history was different on all three credit reports and XXXX and XXXX  allowed, and continue to allow Santander USA to make corrections, that still end up being wrong information, and making my credit score go down every time they change the information/ update it as opposed to deleting the account per fair credit reporting laws. <P/>My credit score went down again in XX/XX/XXXX because XXXX and XXXX continue to allow Santander, USA to update, as opposed to DELETE as I have requested. This information on my credit file should have been deleted months ago due to fair credit reporting laws regarding reporting erroneous/inaccurate information regarding balance, account status, and incomplete/inaccurate payment history that has been reporting for almost a year now on my report. No matter what proof I send to the credit reporting agencies regarding Santander 's erroneous information, the three credit reporting agencies refuse to delete the account and that is not right or fair. <P/>I have disputed, with proof of the mis-information Santander has been reporting to all three credit bureaus. XXXX now has it as a closed, but per fair reporting it should be deleted from all three credit reporting bureaus. <P/>Santander, when you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ).
I had some hard inquiries on my credit. Some of them were not warranted and I disputed to equifax to remove them. After that happened around XXXX XXXX, I checked and saw my XXXX report only showed 1 credit inquiry instead of 4. Previously before the dispute I had 4 on each report. Because of this, I though everything was cleared up. Then I checked my Equifax recently and noticed that there were still 4 inquiries on my report for Equifax but XXXX is still cleared up with just one.

I'm confused as to why it would clear up my XXXX report but not my Equifax report when Equifax  was the one I disputed with anyways?
RE : Experian RE : Experian RE : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX XXXX Account # XXXX I come to you again regarding Experian claiming to investigate debt under FCRA, and not providing proof of how they conducted reinvestigation of debt, nor furnished proof and validity of debt that is not mine. Please help me because anyone could report anything on a credit report and the FCRA is not being enforced.
On XX/XX/2018, an unauthorized user changed the password on my USAA online banking account. I was notified by USAA and changed the password online. On XX/XX/XXXX, there were unauthorized charges on my debit card made online. USAA issued me a new debit card but then froze my account ( no online access, no use of debit card, no auto payments ) for three business days starting on XX/XX/2018. By Friday, XX/XX/XXXX, I still did not have access to my accounts. The representatives told me it was because they couldn't reach anyone in the fraud department. It has been over a week since my account was frozen and I do not have access. USAA failed to upheld their end of the agreement to conduct an investigation in three business days and then unlock my account. As of right now, I still do not have access to pay monthly bills such as my mortgage and my cell phone bill. Both are normally deducted via autopay and USAA has locked my account. This will negatively affect my credit score.
I was going into forbearance in 2014 when my XXXX account was sold to Navient. Navient busted my account into 8 different accounts. While Navient was setting up my account in the first couple of months I was trying to get the forbearance through them started. In the interim they charged me with 3 months of late payments. That I have disputed with them and they deny it.

Secondly and the most harmful to me is that they not only have hit my credit report with late payments for those months but multiply that by 8. Yes, for each individual loan under the one Navient account, Navient reported a late payment for 8 sub-accounts for 3months for a total of 24 missed payments. This has destroyed my credit. I have complained to all credit reporting agencies and Navient. Result was Navient told them their reporting was accurate and my credit reports show that I disputed and disagree with the results. The 24 missed payments stand. Not fair reporting, in my opinion. At the most it should be 3 missed payments, not 24. And really, there shouldn't be any missed payments since my forbearance was in transition from XXXX to Navient. Not my fault!!! Please help me.
Diversified Adjustment is trying to collect on a PAID debt. Please see CFPB Complaint XXXX against XXXX and XXXX XXXX XXXX for the {$430.00} debt. On XX/XX/18 the XXXX responds and states, On XX/XX/2018, XXXX XXXX claim that the debt was paid prior to assignment for collection was confirmed with the original creditor This collection was already disputed, won, and removed from my reports. I contacted Diversified and let them know that they have bought an erroneous collection and that this matter was already disputed and won. They never responded to that, or my request to verify the debt. They have now knowingly violated my consumer rights. This needs to be deleted immediately.
- A XXXX office erroneously sent a debt i never owed to a Quantum Collections in XXXX XXXX, NV - When XXXX tried to collect this debt i told them that this was an error and to contact the XXXX XXXX 
- The XXXX office told them that this was indeed an error and to remove the collection from all credit reports. 
- Quantum agreed to remove this collection but never did - Quantum proceeded to report a collection to all three credit agencies - I have a perfect credit report other than this XXXX collection - I have attached a letter from the XXXX office admitting to the error and asking for any investigators to call them for verification. 
- Quantum contact info is Quantum Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX
I checked my credit report to see that Amsher Collection Service had put a derogatory ding on my credit score, showing I was sent to collections. I need to remove that from my credit score because I was never notified of this action prior to it showing up on my score and dropping it nearly XXXX points!
Code of Federal Regulation, Title 34 Education ( 34CFR628.405 ) Part ( 3 ) ( ii ) The prior holder of the loan must, within 30 days of receiving the notification from the guaranty agency request that any consumer reporting agency to which the default claim payment or other equivalent record was reported remove such record from the borrower 's credit history.There have been several disputes put into effect sinceXX/XX/XXXX. Acct number XXXX Company named XXXX is reporting paid account open on XXXX and Equifax report. The account was paid XXXX but on all 3 credit reporting agencies dates are XXXX, XXXX and XXXX. I have disputed this account be removed twice to all 3 agencies. They state regions was the original creditor I never received student loan through regions my student loans were Federal loans opened in XXXX and XXXX, which was sold to other collection agencies throughout the years that cited lack of privity. The last date of delinquency was in XX/XX/XXXXas reporting on XXXX and Equifax. They violated FDCPAA by changing the DOFFD and DOFLA. Statue of limitations per FDCPA is 6 years in Tennessee these laws are being violated by XXXX XXXX ( acct XXXX ) opened XXXX, XXXX XXXX ( acct XXXX ) opened XX/XX/XXXXand XXXX orig delinquency date should be XXXX. I respectfully ask you to investigate my claim and expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation. Furthermore, after correcting my credit file, I request that you forward a corrected copy of my credit report to me at the my address. Finally, if your investigation determines the information is not outdated, I respectfully request you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. Documentation of late payments and signed documentation of signed contracts and consents In accordance with the FCRA I respectfully request you forward this information within 15 days of the completion of your re-investigation.
In XXXX of 2017 I paid off one of my student loans being serviced by Navient. They finally logged the payoff on XXXX XXXX, 2017. Then today, XXXX XXXX, 2017 they tried to claim that I had overdue interest on the account. I called the customer service and had to argue with them multiple times that this money was not owed to them.
They say they will fix it after a lot of arguing, but I do not trust that they will. This company is very shady and is taking money from people that they are not owed. A full audit should be done.
On XXXX XXXX, 2015 I received notice from XXXX XXXX XXXX XXXX XXXX that the above referenced account would be closed from their files, and trade lines deleted from my credit file in accordance with the FTC Settlement : to Civil No. XXXX ; XXXX, Federal Trade Commission vs. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 

XXXX months later, this trade line still shows on my credit report and is affecting my FICO score negatively. 

I have taken all steps necessary to correct my credit report, however, it appears that I will need enforcement at this time.
I want to report  XXXX  credit card companies that keep disputing me and reporting me to the credit bureaus and making my credit very very bad. I have a socre of less than  XXXX  when I should have a  XXXX  or higher. I swear to you and the government that I never was late on any bill in my life. My husband late  XXXX   XXXX   XXXX   XXXX  was died of  XXXX  orange and we pay our bills even after he died. I have a Problem with  Chase  and  XXXX  because I file a FTC report with Federal mCommission which my grandchild did for me and I also file police report 2 times and sent to both companies and still they fight me and will not remove from Equifax,  XXXX , and  XXXX . I have the files where I sent information. They sent  XXXX  of pages of statements to me but no signature where I started the accounts. I swear I did not do this then they say my children or son in law do this but then I asked them for proof that it was my family and they did not sent and told me it was proof from transfer to another fraudulent account that is also on my credit. Then they say that I have funds transferred to a bank account at  Chase  also that I did not open up.  XXXX , I am retired and on benefits from my deceased husband who died of   XXXX   XXXX   XXXX   and I can not afford an attorney to fight this. This has caused me so much stress over the years and I am sorry for the companies that have been wronged with credit use and loss of money but I did not do this!!! I will go as far as an attorney if you can find a legal aid for a retired person on low income because I am not liable and I do not like my name is ruined because of these things on my credit bureau. I have never used my credit that much in the last 20 years except  XXXX ,   XXXX   XXXX   XXXX     and I assure you, I was never late for those or  XXXX  and  XXXX . I never was late on any bills ever. I had Chase card with my husband over  XXXX  or 30 years ago and never was late. I had  XXXX  and  XXXX   XXXX  cards and never was late either. Please investigate for me.  Chase  sent over one hundereds of papers with statements and none with my signature on it.  XXXX  said I transferred money to a Chase account but I did n't even know they have a bank account in my name. I have talked to all of my family members and they did not do this because they say family did it and if so, then so be it. Whoever is responsible should pay for it not me. I need help with this please.
I applied for a credit card and received a letter asking for more information from their " security department. '' I sent in the requested documentation and have proof of receipt 10 days later. The company failed to contact me again about the status of my application. I called to inquire and was told they would have to run another credit report in order to approve my application because it was beyond 30 days since my initial application.
Trans Union continues to report a balance on a negative item that is 10+ years old. 
This item should be removed all together from our report. The balance should be XXXX and the trade line removed all together as it is over 7 years old. We are 2 weeks away from closing on a loan and this item ( showing a balance ) is reported to Trans Union only and is causing us a debt to income ratio issue. It should be removed right away and we need written confirmation to provide our lender. URGENT REQUEST
Re : Wells Fargo On XX/XX/2019 I paid {$80000.00} off the back of my mortgage. The receipt I received said it would post that day which it did not. Today I noticed that they took out next month 's mortgage payment, which I had already paid with an additional {$12.00} off the back and did not apply {$580.00} to the back as they were supposed to. They have admitted their error and said it would not be fixed until Monday XX/XX/2019. I asked that they get this done today with the same click in which they took money from my account without authorization. They are not allowed to take money from this account as I pay it myself. This is the same bank that opened a loan in our names without permission years ago.
XXXX will not remove this inaccurate info ... XXXX XXXX {$1300.00} ... I settled this account ... 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
We submitted a short sale request to SPS on  XXXX / XXXX /  XXXX  . I have followed up every-other-day since to ensure we are moving along swiftly. Our offer is $  XXXX  and the bank completed a value on  XXXX / XXXX /  XXXX   that came in at $  XXXX . On  XXXX / XXXX /  XXXX   I was advised by  XXXX  at  SPS  that we needed to remove the word HAFA from the HUD and put the sellers name in where the {$10000.00} relocation incentive appeared. I provided that revised HUD to SPS on  XXXX . I continued to follow-up on an every-other-day basis. Due to lack of response I opened a complaint with CFPB on  XXXX / XXXX /  XXXX   case :  XXXX . On  XXXX / XXXX /  XXXX  , I believe in a retaliation move because we filed a complaint, they countered the offer stating they need a NET of {$220000.00}. Since the buyer is already paying {$15000.00} over value we had to remove some items and reduce realtor commission. I submitted a revised HUD to SPS on  XXXX  and requested that they not hold the file for another 30 days like they typically do. I called on  XXXX  and  XXXX  with no updates. I called  XXXX  and was told that the file was noted " today '' and to keep calling that I should have an answer any time now. I called  XXXX ,  XXXX  and  XXXX  all with " no update, still pending review, a decision will be made within 30 days '' response. I called today and was advised that on  XXXX  the file was noted that the relocation incentive had to be removed. Why was n't this told to me in  XXXX  or  XXXX  when I called numerous times? Why was n't I told when I called numerous times on and after  XXXX ? I have a letter from the Ombudsman department simply telling me about a required increased NET, never noting that the incentive has to be removed. Specifically SPS told me on  XXXX  to keep the incentive, just change the wording. Now I am asked to resubmit ANOTHER HUD and wait another 30 days. I asked for a supervisor and when I told him I would n't wait another 30 days and I want my file rushed he replied " That just is n't going to happen ''. Only after I asked for his manager did he reach out and try to get a rush. They still wo n't work my file without a new HUD  (  which I have requested from title ). I thinks SPS has exhibited malicious behavior on this file - purposely being neglectful in what information they are relaying, closing out my last CFPB complaint with a counter offer only to have an oversight on their part with the relocation incentive.
We have an apartment complex ( XXXX ) that we lived at and moved out of and at the time we did not owe any money. Later we noticed on our credit report that the apartment complex sent a collection amount to a collection agency ( National Credit Systems Inc. ) for over XXXX dollars, we contacted the collection agency and tried to get clarification of the amount owed and who actually owed it. They stated that there were XXXX different social security numbers attached to the debt, but did not know what amounts belong to witch social security numbers. we then contacted the XXXX and asked for clarification, they would not send us any information. All they stated was that all people with the last name of XXXX was put into XXXX file and then sent to a collection agency. National Credit Systems did state that some of the charges was a security deposit. How can a security deposit be charged after a move out. We have asked several times for the original documents and XXXX and the collection agency have never provided them. We are trying to buy a house and this is preventing us from doing so.
I had a synchrony credit card and XXXX XXXX credit card where I made a XXXX $ minimum payment I recently have gone through financial hardship and have been late on making a few payments. I was struggling with making payments on student loans not understanding credit at the time.
Back in XXXX XXXX, I was laid off of work and could not afford to pay for my Capitol One student credit card. I discussed this with the bank, and they offered me no solution at the time. So I stop paying them. My credit card limit on this credit card was {$300.00}, and there was no way I could go over my limit except if late fees were stacked on it. In XXXX XXXX, Capitol One finally closed my student credit card and reported the credit bureaus that I owed them {$1500.00}. Today, Capitol One has a charge off on my credit report stating that I owe {$2200.00} total, which is 745.67 % over the limit! This is clearly a violation of the Credit CARD Act of XXXX.
I placed a hotel reservation with Government Vacation Rewards for {$1000.00} on XXXX/XXXX/2015 with my Military Star credit card ( transaction reference # XXXX ). When I arrived at the hotel, I was told my reservation was cancelled. I had to purchase a reservation at a different hotel using a different credit card. I have been trying to get the charge credited back to my Military Star card from Government Vacation Rewards since XXXX XXXX, 2015. While fighting with GVR, I have only been able to recoup {$87.00}. I filed a dispute with the Military Star card XXXX XXXX, 2015. I received a letter approximately XXXX XXXX, 2015 stating they were taking the matter out of dispute, and I need to contact Government Vacation Rewards directly. This is completely unacceptable! 

Furthermore, I purchased an item from the AAFES website that never arrived. I was credited back the amount of the purchase, but not any interest. I was told by XXXX XXXX that he would credit the {$8.00} interest on XXXX/XXXX/2015. I have not been able to speak to this person since that time. I need that interest and all associated interest charges on the {$8.00} credited to me as well.