WillisBack/dataset-financial-user-claim huggingface dataset:
****resubmitting complaint XXXX for second account on my credit report as this was not sent to debt collector-file is blank****. In early XXXX, my husband and I began to investigate items on our credit reports. After seeing many strange items on our report - we went to the credit bureaus to initiate an investigation. Shortly after submitting a request for verification - We received a response from this RMP company in regards to 2 derogatory items on my credit report. Unfamiliar with the information that they sent me, and since I now had the contact information for the debt collector themselves.. i sent a letter ( attached ) to the creditor asking for further verification. When i asked for further verification to the collection company as to what this was and to verify that this belonged to me ... their response was that they were not required to verify twice. I am incredibly confused by the information that has been submitted to me and do not see how in any way this verifies that the debt was mine. I have been making payments on things that i have had in collections, attempting to do the right thing, but after further evaluation we have realized that we are paying on things that we thought were taken care of already, are old, or just are n't ours, and we are trying to figure it all out so that we can do the right thing. The paper trail does not make sense, and with the lack of and vague responses from the debt collector i am not confident that what is provided is accurate. RMP 's dismissal of my additional attempts to verify a debt that IS NOT MINE is unlawful. This item needs to be deleted by this debt collector as no further verification has been provided that this debt is in fact mine. RMP is being very suspicious in its collection of my debt in ignoring my request for additional verification and is not following the appropriate laws for assuring this debt is mine. It is unforgivable to not provide further information when requested. From my recollection of going to any doctors appointment, my id is scanned - both my id and my insurance card. RMP should be able to provide this at the bare minimum if this is truly mine. If this is not possible, some other form of validation needs to be provided- something with my signature at the least. This is hurting my score and causing my credit limits to be reduced on other accounts. I am very angry and upset with the amount of time this is taking. I should not have to work so hard to have something verified accurately. I genuinely am not sure this item is mine, and am asking you to verify this. I am frustrated that companies are still able to do so little and provide such little information while creating such a great amount of damage.
at XX/XX/XXXX, i bought a prepaid credit card in the cashier, i could not use the car because the car was created such as an gift car, i wanned the card to pay my car insurease, the next day XX/XX/XXXX i call the netspend company to explain my problem, i made a complain and they said ( netspend ) they will send my money in 10 days not more of 15, today its XX/XX/XXXX, and i did not recieved my money. also i call many time and they do not have any answer. today XX/XX/XXXX i called and they handout my call.
Basically, I have been misled by PennyMac Mortgage ( PMac ) Co. as they told me I qualified for Shortsale process at least 2 yrs ago ( which I have email proof ) but all the while, they were trying to get me to refinance the loan knowing that I did not want to refinance. PMac eventually offered me a " trial '' modification loan knowing I did not want the loan or could afford it. All XXXX buyers have walked away and now pennymac has said the house is slated for foreclosure sale in XXXX XXXX, XXXX. 
SEE EMAIL excerpt sent to PMac from me below in parenthesis. 
( I started this process back in XXXX XXXX. I have provided similar information to your company several times with timeliness and expedience on my part. I have over XXXX separate emails where I have sent this type of information to XXXX different Pennymac associates all regarding loan modification to approve for short-sale. I have had XXXX buyers walk away from the sales-contract due to Pennymac 's long processing time and inability to move forward. Both buyers would have gladly re-countered offers if time was of the essence but your company has not shown that it is. The latest buyer put a contract on the house in XXXX XXXX that met all the terms that Pennymac initially requested. Pennymac has waited 4 months to counter offer the closing percentage for this current Buyer. It is now XXXX XXXX, XXXX and Pennymac has not only changed the amounts to accept for contract sale but now is asking for more of the same documentation I provided literally years earlier. Pennymac has been unreasonable in its request and has not acted with sincerity in trying to accomplish the Short-sale. ) MY REQUEST TO CFPB : 1 ) Stop foreclosure proceedings 2 ) Convince Pennymac and FHA to agree to original terms pre-foreclosure for shortsale or, 3 ) Convince Pennymac and FHA ( investor ) to agree in accepting Deed in lieu 4 ) Have Pennymac write a letter to credit bureaus stating that missed payments were due to pro-longed short sale process and credit rating should not be adversely affected. 5 ) Provide support documentation on my behalf if lawyer and I pursue law suit. 
I can provide supporting documentation at your request.
This should not be on my credit report and is inaccurate. My personal health insurance company paid for this service, in addition, I made a payment as part of my co-pay. 

I 'm also reading that " Syndicated Office Systems ( file number XXXX ) '' has a history of not handling consumer credit reporting disputes.
re : Credit Card # XXXX missing removal of XX/XX/XXXX Late Notice I have a partial Hurricane Irma success story to tell you about BofA President XXXX XXXX XXXX. XXXX published a promise to bofa Credit Card customers on XX/XX/XXXX : He promised to not charge LATE NOTICES for up to Three months for any affected consumers who were unable to pay their bills for XX/XX/XXXX, XX/XX/XXXX. and XX/XX/XXXX. ( attached Letter published on BofA website ) I am Consumer XXXX XXXX, and I was approved for Hurricane Irma disaster assistance on XX/XX/XXXX. I had my XX/XX/XXXX statement show a refund of {$970.00} and my XX/XX/XXXX statement show another refund totaling {$240.00}. I thank the BofA Disaster Relief Dept in Texas, who told me they approved it in XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. and XX/XX/XXXX and just this past week again. 

The problem is that I am a SnowBird, living in both XXXX and XXXX. I have property in XXXX and had to deal with the flooding and that is why I asked for this Hurricane Rehab approval. 

Please check on complaint # XXXX. BofA got all but the removal of the XX/XX/XXXX late notice corrected. And that is the only thing they forgot to address. 

IF YOU READ PRESIDENT XXXX   LETTER, BOFA PROMISED NOT TO FILE ANY LATE NOTICES WITH CRAs. They withdrew the XX/XX/XXXX late notice from XXXX, XXXX, XXXX, BUT, THEY DID NOT SEND ANY REMOVAL NOTICE TO XXXX NOR XXXX! Under FCRA rules, CRAs must not treat some CRAs differently than others, and I as a Hurricane Rehab consumer, please ask that all negative late notices be deleted since BofA did not respond to anyone uniformly. I have attached the XXXX report here for proof that nothing was reported negatively to XXXX, but, it is report late in XX/XX/XXXX to XXXX and XXXX ( attached ) I filed for notice of damages with FEMA regarding the Hurricane Irma Disaster. As such, I am entitled to be treated as a victim.
I filed a complaint about XXXX XXXX and received a letter back on XX/XX/2018 that they would delete the TradeLine from 4 bureaus. 
All bureaus has deleted the TradeLine except Experian, in the letter it states give it 30 days to update on the credit report it is XX/XX/XXXX and the TradeLine is still on Experian. I have sent Experian the same document XXXX sent the CFPB, but instead they opened up a dispute and XXXX has came back and updated the TradeLine. 
I have called XXXX and Experian multiple times to get this situation resolved but neither will give me an explanation.

This TradeLine has to be deleted immediately it has hurt my ability to purchase a car.
I was charged twice today for my student loan, which I 'm currently only paying interest on because I ca n't afford the $ XXXX monthly payment, so I pay them $ XXXX/XXXX. I called them and asked how this happened, they insisted that I had made the payments, but could n't tell me aside from the XX/XX/XXXX payment I scheduled for the XX/XX/XXXX, when the other payment was scheduled for. They both came out on my account the same day. I believe their system was broken ( this has happened before! ) and did n't show the pending payment if it was my error, but I literally think I would remember signing in two days ago to make another payment. I always schedule my payments on theXX/XX/XXXX of the month, as can be seen from my year long history on their account screen. I was transferred to three people, and then they said I was unsuccessfully uploading my bank statement, then they told me my bank statement was not real, because they did n't believe XXXX, one of the biggest credit unions in Washington state, was a bank name. They wo n't resolve it for 14 days, despite me talking to three people. They kept asking me why my cosigner did n't pay, and also insisting my cosigner must have scheduled a payment in my name. My cosigner XXXX over 5 years ago. I sent them the XXXX certificate 5 years ago when they refused to give me a payment plan, when I was XXXX XXXX XXXX, in school, working full time at minimum wage, and obviously could not afford a {$400.00} payment ( they were XXXX XXXX then ). I was delinquent for two years and have finally caught up after getting a XXXX XXXX and more debt so I could afford my loans. I 've told them at least five times my cosigner has XXXX, and they insist he somehow has control over my bank account. On top of everything, I continue to make payments on the only modification they 'd allow me, which is to pay interest only.
Please accept this as a formal complaint against Equifax Credit Reporting. 
I am writing to dispute the following information in my credit file. I have circled the items I dispute on the attached copy of the report I received. 
This item XXXX Mortgage # XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, a HELOC loan established XX/XX/XXXX with a balance of {$100000.00} shows as 'status : pays as agreed - activity description : transfer/sold ' is erroneous because the house that I owned was short sold back in XX/XX/XXXX. The account should show a 'closed status ' since I longer own the property located at XXXX XXXX XXXX XXXX , XXXX XXXX ( APN # XXXX ). 

Background info : Shortly after acquiring the property in XXXX in XX/XX/XXXX, approximately XXXX month later, XXXX XXXX sold the servicing rights to XXXX Mortgage ( which is what shows in my credit file ). The servicing rights were sold again to XXXX in or around XXXX ( is not reflected in my credit file ). XXXX filed for bankruptcy and the remaining assets were acquired by XXXX in or around XXXX including my loan, account number # XXXX. XXXX is reporting in my credit file as the loan remains outstanding. 

I am requesting that the item be either removed or corrected to reflect the account has been closed or settled to correct the information. This error is adversely affecting my FICO. 

Enclosed are copies of the all legal and recorded documentation indicating that as of XX/XX/XXXX I am no longer responsible for this property : Copy of The Substitute of Trustee & Deed of Full Reconveyance filed XX/XX/XXXX with the County of XXXX XXXX by XXXX XXXX XXXX Copy of The Full Reconveyance filed XX/XX/XXXX with the County of XXXX XXXX by XXXX XXXX XXXX Mortgage ( XXXX ) Outgoing wire sent by XXXX XXXX Title Company to XXXX for the short sale pay off dated XX/XX/XXXX Escrow settlement statement Short sale approval letters by both XXXX and XXXXPlease investigate this matter and correct the disputed items referenced above as soon as possible.
I have Had an adjustable rate mortgage for about 15 years now this is a fairly new processing company and I have yet to receive the notice that my payment will be changing which normally adjust as of XX/XX/XXXX
I have tried to close my Bank of America account for the past few years with no success. I actually thought it had been closed for over 3 years now, but I just got a letter in the mail informing me that my credit card account was still open, unbeknownst to me.
I submitted a dispute with XXXX  on XX/XX/2018 and XX/XX/2018 with the student loan companies XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. Prior to filing a dispute with XXXX, I contacted the company directly requesting any documentation supporting the claim that a debt is owed and they never provided any documents to support the claim. I also contacted XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and never received a response. From there I gather all of my letters with tracking numbers and filed a dispute with XXXX. Approximately 2 months passed, and I never received correspondence about the disputes. On XX/XX/2018, I called XXXX to receive an update and they told me that the company verified the account. I then asked them how did the company do so and they said electronically. I then asked if they could provide me documentation from company verifying the authenticity of their response, an d the representative explained that they do not have have any documents. I then asked, How do you verify if a company is reporting false information or not, and she couldn't respond. I asked her, if there was a procedure on determining if a company is reporting false information and she said no. I explained that I had contacted the companies and that there was no documentation and even no response and I question the authenticity of their investigation. Again, she could explain or answer any of my questions. She stated that whatever the company reports is what they report and that they have no way of verifying the information being supplied is correct. With that, knowing that the two companies being disputed have either refused to respond or failed to provide documentation, this shows that whatever information that XXXX  claims to have if not correct. It appears that XXXX is allowing companies to provide false information with no investigation, despite what consumers are providing as supporting documentation. I have submitted this dispute over two months ago. Disputes usually require 30 days for a response. Not only did I not receive a response, but a true investigation was not completed.
I opened this account on XX/XX/25 under a promotional offer of {$400.00} for depositing and maintaining a {$15000.00} balance for 60 days. 

The funds posted to Citibank on XXXX and were maintained for 60 days. 

I contacted them today and they are now trying to say there is no offer on my account. Despite me signing up under their promotional link and offer. I read the full offer terms prior to entering my information and completed them all.
I submitted on XXXX/XXXX/2015 a request for a refund of a late fee that was charged due to NationStar changing my name on the account which cause my authorized automatic debit from my bank account to reject causing my mortgage payment to be late. I have spoken numerous times to the customer service and have spoken to their Customer Relations department asking for a letter confirming refunding the late fee which should be refunded and applied to my principal payment since I paid the late fee after receiving additional interest fee on my statement. On XXXX XXXX, I received a phone call asking that I return their call and I have repeatedly called and this person by the name of XXXX will not return my call after leaving my cell phone number. To date I have not received any correspondence acknowledging this error has been corrected.
Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. According to their website ( www.equifaxsecurity2017.com ), consumers can use to determine whether their information was compromised, my personal information may have been impacted by the attack.
XXXX XXXX XXXX aka Blackhawk Network Inc sold me a XXXX gift card on XX/XX/2017. The card was invalid. I have called XXXX XXXX XXXX customer service 5 times over the past month, they refuse to issue a refund. I have asked for a simple refund every time I call. First I got an official " escalation '' number. Then they claimed there was a 15 day " review period '' after that. Each time I call they have new excuses why they ca n't do anything for me. They promise that someone from the review dept is going to call me. Now I have called again after the 15 escalation days are expired, and they just keep stalling with excuses. They refuse to refund the invalid gift card. Now I am forced to report them to my bank for fraud.
I am have been making payments to Navient private loan company.They incorrectly reported to credir bureau affecting my credit greatly even after trying to make better affordable payment arrangement because i am still in school. I have asked about ways to reduce payments, balance, and interest. I am constantly being charge to set up forbearance or interest reduction without sufficient evidence why or where the money goes. They falsy advertised on website for loan settlements with payment plans and told me I have to pay the full settlement in one payment. They are charging large late fees and increased interest and harassing me with collections by phone and email.
I ordered my free annual credit report on XX/XX/XXXX. As a result, TransUnion posted an inquiry on my credit report ( listed as XXXX XXXX XXXX ) that has resulted in a hard inquiry being posted to all the free credit scoring agencies. Now my score has gone down. 

I contacted TransUnion for help, but they say it 's not their problem because they do not show it as a hard inquiry. They said the scoring agency needs to fix the problem. 

The scoring agencies get their information from TransUnion and said to contact TransUnion. It 's a no-win situation. 

I researched this and have found out that many customers have reported the same problem last year on the myFICO forum and have n't gotten any results in fixing the problem. 

I believe that TransUnion needs to address the problem since it originates from them. Please help. 

Thanks!
My student loans were rehabilitated and as promised defaults were going to be removed from my credit report. The student loans were sold to another company, the company that previously owned the loans still reports the student loans in a negative status, and the negative status should be completely removed from my credit report.
XXXX XXXX  XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Washington, DC XXXX XXXX : Credit Card Fraud To Whom It May Concern : I am writing this letter to file a complaint against Capital One. On XX/XX/2018, two fraudulent charges were placed on my account in the amounts of {$2900.00} and {$32.00} from a company called XXXX. I did not authorize any such charges, thus subsequently contacted the company to dispute both transactions. I sent them a copy of my drivers license to show proof of my signature as well a copy of the police report I filed, however they refuse to issue a credit. 

Enclosed you will find copies of relevant documents, including letters from Capital One, my letter of complaint to Capital One, and the police report I filed. I respectfully request that you intervene on my behalf since this company is violating their {$0.00} fraud liability promise and will not refund me my money. 

If you have any questions about my complaint, you may contact me at ( XXXX ) XXXX or via email at XXXX. If we can not resolve this issue, my final option will be to pursue legal action. 

Sincerely, XXXX XXXX XXXX cc : Attorney General Better Business Bureau XXXX XXXX XXXX XXXX XXXX
I am being harassed by Equifax, they are intentionally showing payment status as unknown for accounts and adding information to my file that was previously removed. Equifax just added a tax lien on my report that was previously removed. The tax lien should not be on the file as the national consumer protection act requires that these items be removed. Equifax is working in concert with  XXXX  with the same type of behavior.
I took advantage of a zero interest balance transfer offer made by my credit card, Citi Cards ( zero interest until XX/XX/2019 ). I clarified with a chat customer service representative that in order to not be paid interest I would have to pay the minimum payment due and the standard purchases in that statement period. Two months in a row, I was charged interest even when I made a payment that covered both the minimum payment due and the standard purchases on the account. The first month it happened, I contact the customer chat representative, they acknowledged that there was an error with how Citi calculated the interest and credited me the interest charge. I was also assured that this would not happen again. The next month when this happened, I contacted the chat customer service, and they could not explain to me why I was charged interest and I was told to call customer service. Each customer service person I spoke to refused to understand how I overpaid the minimum amount and finally I had to be transferred to a manager. XXXX, the manager, told me that he can not give me a refund because I already received a courtesy refund last month. I explained that the refunded interest was as a result of an error and demanded that he take my through the statement I was charged interest on in order to explain how I did not pay the minimum amount. He tried to show me how I overpaid but when the math clearly showed that I had over paid what the minimum amount was ( the min amount due plus standard purchases ) he put me on hold and then told I was correct that the system made an error. He also told me that this was the last time he could give me a courtesy refund on interest charges. I demanded to know how this was a courtesy because Citi had made errors both times in calculating interest. He stated that it was not an error because if I want to avoid paying interest while taking advantage of a balance transfer offer, I need to not make additional purchases. It is clear to me that this problem is prevalent to all customers who take advantage of citi balance transfer offers and that customers are bring maliciously charged interest.