WillisBack/dataset-financial-user-claim huggingface dataset:
I have reported 5-8 negative items on my credit report that are incorrect and in violation of the FCRA several times. 
These are the dates I sent certified letters : XX/XX/18 XX/XX/18 XX/XX/18 XX/XX/18 I sent letters to each bureau XXXX, XXXX, and Transunion. I never received my results only a free copy of my credit report. I do have proof that letters were received by them. I also tried to delete a few addresses off of my XXXX account and they refused. This is causing major issues in my personal life and need these items removed immediately.
Hunter Warfield damaged my credit by reporting a collections account related to an eviction that had nothing to do with me. I was never financially obligated to the apartment complex, XXXX XXXX, and had never signed lease documentation as anything other than a roommate. XXXX XXXX XXXX was solely financially responsible and he was evicted for failure to pay. Hunter Warfield has an obligation to possess and verify copies of signatures on lease documentation to ensure they are taking action against parties who are in fact liable for debt. They failed to do so and damaged my credit. I found out about this while applying for a mortgage. My credit score caused the interest rate offered to me to be significantly higher, thus costing me much more over the duration of the loan. This has been tremendously distressing and although actions are being taken to correct this information on my credit file, I am incurring additional expenses for transitional housing, a delay in closing, and the stress of having to start a new loan once this is resolved. This ha effectively displaced me. Hunter Warfield failed to do their due diligence and I have suffered multiple harms as a result. At this time I am awaiting for them to furnish me with copies of all paperwork they have on file from XXXX XXXX.
I AM AWARE THAT TRANSUNION HAD A GLITCH IN THERE SYSTEM IN THE SUMMER OF XX/XX/XXXX AND AGAIN IN EARLY XX/XX/XXXX. I HAVE CONTACTED TRANSUNION AND SENT LETTERS ABOUT INQUIRIES THATS LISTED ON MY CREDIT REPORT THAT I DO NOT RECONIZE. THE INQUIRES WERE DELETED FROM THE CREDIT REPORT THEN LATER TRANSUNION ADDED THEM ALL BACK ONTO MY CREDIT WITHOUT GIVING ME LEGALLY REQUIRED WRITTEN NOTICE 5 DAYS PRIOR TO THE READDING THEM. I HAVE CONTACTED TRANSUNION IN GOOD FAITH TO HAVE THE INQUIRES AND NO LUCK I KNOW MY RIGHTS AND WILL NO ALLOW TRANSUNION TO VICTIMIZ MY TRANSUNION
Not 100 % sure if they are a legit Collection agency, but harassed me on the phone about paying back a cash advance that I owed in 2010, which I never took out,
ON  X/XX/2017    I WENT INTO INSTALOAN TO TAKE A LOAN OUT USING MY CAR. I WAS NOT TOLD THAT MY RATE WOULD BE AT 65.1994 PERCENT. I DID NOT EVEN GIVEN PAPERWORK UNTIL  X/XX/2017    REGARDING ANY INFORMATION ON MY LOAN OR RATES. I HAVE TRIED TO TALK TO THEM ABOUT IT AND THEY WILL NOT GIVE ME ANY INFORMATION AND MY PAYMENTS I HAVE MADE IS NOT EVEN HELPING MY LOAN KEEPS GOING UP. I WAS IN THE HOSPITAL WHEN PAYMENT WAS DUE I CALLED AND SPOKE WITH A MANAGER WHOM TOLD ME THAT MAKING MY PAYMENT LATE WOULD NOT HURT ME DO BEING BEING IN ICU. WHEN I WENT IN THAT IS WHEN I FOUND OUT THEY CHARGED ME MORE AND WHAT MY RATE WAS AT 65.1994 PERCENT. I DO NOT THINK THAT THIS IS LEGAL AND WOULD LIKE ANSWERS HOW TO HAVE THIS CHANGED. ALSO LIKE TO ADD THEY MADE ME BACK DATE AND SIGN PAPERWORK WHEN I WENT IN ON  X/XX/2017
I have called every company on my credit report to find out who has my student loan and I am constantly getting the run around. Everyone I call says they do not have my student loan. I called XXXX XXXX XXXX XXXX, Equitable Acceptance, and they ALL say they do not have my student loan. I am trying to put my student loan in deferment and I have received no help at ALL. This is very frustrating and customer service was extremely unprofessional and no help whatsoever. I need to find out who holds my student loans and how I can get them in deferment ASAP.
My loan payoff was requested on XX/XX/XXXX, per the customer service rep with Oceanside Mortgage Company -- XXXX XXXX XXXX I spoke with on XX/XX/XXXX there was a 10 day hold placed on the account so no payments would be sent out. Only XX/XX/XXXX an insurance premium payment was sent out for {$470.00}. This does not align with the 10 day " hold '' that my account was placed on. I sold my home, closing date on XX/XX/XXXX and received the profit the same day via check. The customer service rep stated that my account was closed on XX/XX/XXXX. On XX/XX/XXXX another payment was made for {$410.00} to pay my MIP insurance to XXXX XXXX, per the same customer service rep XX/XX/XXXX. I requested a copy of the MIP statement to see proof that payment was in fact necessary and owed and was refused a copy, stating it was electronic and not something they received or could look at to reference. The balance of my escrow account belongs to me and the insurance payment should not have been made as the account was on " hold '' from the payoff request. After requesting the refund of the escrow balance I was also refused a copy of the bill they received in XX/XX/XXXX and were required by law to pay to XXXX XXXX for the MIP. The only thing they would provide me was a copy of the Underwriting paperwork that was created when I bought the home in XX/XX/XXXX
This company calls at least 3 times a day, once at XXXX ( almost XXXX! ) to collect a payment and when we try to call them at the number they provided in the voicemails, they do not answer. We do n't know how else to tell them to stop sending so many calls a day and how to tell them when their payment will be received.
I made a sale through Ebay, the customer paid via Paypal and I did not receive said payment for over 36 hours. I had to go ahead and ship the item due to Ebay 's policies so I could keep my high ranking. I was not notified by Paypal of any issues and had to aggressively pursue contacting them where I received less than adequate support and NO follow up. This was not an isolated incident, many accounts were affected, some had bank accounts hit a negative balance because of this. Paypal did not compensate us in any way ( a waiving of fees for the transaction, like Ebay has done in the past would be a step in the right direction ) nor have they apologized. A big company should not be allowed to hold people 's money hostage with no recourse available. Very unhappy.
I purchased a  XXXX   XXXX   XXXX  from  XXXX  in  XXXX  NC in  XXXX   XXXX . The vehicle was Financed "  American Credit Acceptance  '' on  XXXX   XXXX ,  XXXX  I applied for a Re-financed Loan with  XXXX . I was approved. As previously financing a vehicle with  XXXX , I assumed the check was out, and everything was as normal. However, in  XXXX , " ACA '' contacted me to inform me the loan was past due, I made a payment of {$1000.00} out of good faith while I tried to resolve the matter. Only a Few days later, " ACA '' Repossessed the vehicle in the dark of Night, and THEN told me I needed to pay {$2000.00} to get me vehicle back. I offered Proof, they were not interested. Only after I vented my frustration, they offered me a deferment. WHY was n't this offered before collecting the unit. I was very vocal about what I was doing, and the process in place. The they offered the repossession fees only of {$670.00}, in order to reclaim my vehicle. As I am in the middle of   XXXX   in the  XXXX   XXXX , this repossession KILLS my eligibility, when I 've worked for over 2 years in preparation, paying down debt, refinancing loans, rebuilding credit in order to obtain security clearances. My credit bureau shows 76 days late, and a repossession.      XXXX , quickly resolved their issue within 15 minutes. After HOURS on the phone with " ACA '' my vehicle is gone, along with my military aspirations!     The way I was treated on the phone, was criminal!   The unethical collection practices of  American Credit Acceptance  is CRIMINAL!
I have multiple accounts reporting on my credit report that do not belong to me, including but not limited to student loans. The accounts are reporting from XX/XX/XXXX from XXXX XXXX XXXX XXXX for {$9600.00}. I've repeatedly disputed these things with this company. I've also come to discover that Michigan statue of limitations for debt collection is 6 years. the law states that this shouldnt be reporting to my credit regardless of the situation. also, I see a third party debt collection company, by the name of XXXX XXXX XXXX for the amount of XX/XX/XXXX for the amount of {$870.00} and another from XXXX XXXX XXXX for {$320.00} from XXXX.
I returned my leased XXXX. XXXX to the dealer 1 day before the lease expired. The car was in perfect condition inside and out with only XXXX miles. It received a minor fender bender ( dent ) in the left rear fender which I had repaired. It was a excellent repair job and the only repair on the car. Several days after I returned it I received a bill from Ally Financial ( the lessor ) for a charge of {$580.00} for excessive wear. They claimed I owed ; {$120.00} for previous repair, front bumper previous repair {$140.00}, right fender dented {$160.00}, and fender left {$110.00} grind M?. All of these charges are completely false as the car was in pristine condition and no other repairs had ever been made and there were no other dents that I was aware of. This padding of the bill is just plain fraud in my opinion and these people should not be able to get away with it. I could expect to pay for a simple inspection charge but to lie about this " excessive damage '' is a complete fabrication. They even claimed that the car was dirty inside when it was immaculate. I called the dealer to complain but he was no help and I called Ally Financial and registered a complaint with them and they even called me back, but they said they would get back to me and that is where we left it. Of course, in their statement they said how pleased they were to have my business but if I did n't pay promptly they would report me to the credit reporting agency if I " fail to fulfill the terms of the obligation ''.
XXXX : My significant other and I purchased a home in XXXX and were never married. Because I have a XXXX  XXXX my significant other handled the house-hold finances up until I learned that she and later my adult daughter was taking advantage of my vulnerability. In XXXX our home went into foreclosed proceedings for the 4th time and I got the funds from my sister for the second time to bring the mortgage current. I made my sister power of attorney and sought legal actions which resulted in both being removed from the home. 
XXXX : While cleaning out a closet I once shared with my significant other I found an old document from a company called Real Time Resolutions in regards to a an outstanding loan balance demanding money for a loan that I have no knowledge of. 
XXXX XXXX XXXX XXXX is the company who serviced my mortgage in XXXX until it was sold to XXXX XXXX XXXX XXXX in XXXX whereas my mortgage is in good standings. 
My sister called Real Time Resolutions to find out who they are and to get information about the found document. She was told that it was a loan signed by me and my significant other for {$46000.00} and that if I did not make the back payments and bring current ( approximately {$25000.00} ) that they will put a lien on my property. My sister asked them to explain why they have not bothered me before and why wait until so many years to passed by. According to the date on the document I found it has been over 10 years. My sister went on to explained how my significant other and adult daughter forged documents to seek financial gains and that she will need to see a copy of the signed loan documents. She went on further and requested them to mail her copies of all documents containing signatures, modifications, loan transfers, loan notices and all future correspondence regarding this account to her address but was not successful. 
XXXX : On XX/XX/XXXX my sister sent another request only this time in writing for the above information to be mailed to her within 15 days, Real Time sent her a response dated XX/XX/XXXX ( 1 month and 12 days later requesting more time to gather the requested documents. Sister did not receive the requested documents from Real Time Resolutions but instead received a letter dated XX/XX/XXXX stating that on XX/XX/XXXX the loan was sold to XXXX XXXX XXXX XXXX XXXX but I should make the payment to Real Time Resolutions. My sister and I are concern that Real Time Resolution dragged their tail on getting her the proof because they have no proof and did not honor her request and in a timely manner. We also wanted to know why after so many years you are harassing me and threatening a lien or foreclose on my property
Well, I 'm on a joint account with my brother with XXXX XXXX. My other issue is my payment on my XXXX was lowered. But, I 'm the only working in my household for the past year and XXXX. Now I 've been laid off. The Capital One Card was stolen last year. The people who stole the card along with money at a XXXX XXXX, jump up the difficulty to pay the card off. I 'd like to get better credit, but I 'm not clear as to if I 'm paying for all the money spent that myself nor my brother did n't used, or is it something else? We were late sometimes. Partly due to income change. However, I now ca n't apply for any line of credit. I 'd like to make really small payments. But receiving those phones calls often, gave me anxiety & let to medication. Just overwhelmed. My brother just told me it was lowered to {$200.00}. Does that mean we can make increments in payment. Im actually preparing to make another payment, small but it 's something. Need help, do n't know exactly what to do?
I need to complain about multiple behaviors. First and foremost, the debt was not owed! That said, they engaged in the the following behaviors : ( a ) Made harassing phone calls including threats and profanity ( b ) been unwilling to provide actual details about the amounts owed or from where the original debt arose from ( c ) offered no way to dispute the debt ( d ) said they were lawyers ( e ) never sent written information This firm is a set of crooks. There is not even an attempt to seem like a reasonable, honest or forthright firm. This is the kind of firm the CFPB was established to investigate and penalize. 

The firm is called Creditors Specialty Services , Inc. in XXXX California. 

They claim to be associated with the following attorneys -- XXXX XXXX There is no way to call them directly or discuss a dispute because they have no business other than harassment.
I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and XXXX and Equifax are still reporting these fraudulent accounts on my profile. The law is very clear as o the civil liability and the remedy available to me (section 616 and 617) if the Bureaus fail to comply with federal law. The bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact these bureaus about their illegal behavior and have them comply with federal law and respect the rights of Identity Theft victims, such as myself.
I have factual documentation regarding a dispute I filed with Toyota Motor Credit creditor and the bureaus still do not investigate correctly to remove the Charge Off of f my credit report. I have letters from creditors that state account was paid in full closed and total loan amount paid. because they said they already investigated the issue no further action can be done.i need help to resolve this matter my credit score has dropped substantially Fromm XXXX to the 500 's due to that derogatory info. My father as well is impacted on this issue because he is a co signer.
The current mortgage company " freedom mortgage '' considers my payment late if they process the payment after the XXXX. I use online bill pay to pay my account and the payments are set and post marked well before the XXXX, but because it is processed after the XXXX, by the company itself, they consider this late and I am charged a fee. The processing of the checks is random. One was on or around the XXXX another was on or around the XXXX. It seems they are applying a late fee because they process this late and not use the post marked date. One employee mentioned that during training they are told to go by the post marked date, but on the floor, was told to go off of the date he has it. I can not control when they process the check I can only control when I request the check be sent. This seems very unfair. Because of this I have had to pay multiple late fees.
We have both Federal and non federal student loans i believe. I have called Navient several times over the past few years to make sure the money is going where i want it to go. i called again today and the extra money we put towards the loans was not correct. they have changed the reallocation of the money or never did it in the first place.
Navient keeps adding balances and subtracting balances from my accounts. this is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have my correct contact information and i was not able to be notified i was out of forbearance. I respectively ask that the lates from XXXX be removed and set to current. As soon as i contacted Navient my loans were put back in forbearance. Also, I want all loans older than 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP, as Navient is doing illegal collecting and reporting practices.
I had paid for a protection policy in case I was hospitalized or lost my job, the amount owed would be waived and I would owe nothing. I submitted all of the necessary paper work and they refused to honor the policy. I have been threatened and they have called all of my relatives friends and so on harassing them to get me to pay them money.
Equifax leaked my info in one if the largest leaks of its kind. It seems my SSN and other info was stored in PLAIN text. This security breach was 100 % avoidable with proper security practices including salted hashes which it seems were not employed.
Before and since my scheduled home sale closing on XX/XX/XXXX, I have made repeated efforts to find out why I was charged {$6100.00} by LoanCare in interest aside from the unpaid balance on my conventional loan. I repeatedly emailed XXXX XXXX ( VP of Consumer Communications ) and XXXX XXXX ( Head of Compliance ) and my efforts to understand why I was charged this additional amount were completely ignored. I had a 30 year conventional loan - there should have been no charges incurred in early payoff. This company has been a never ending, unethical nightmare to deal with. This is the 3rd CFPB complaint I have had to file as none of my efforts in dealing with them directly have been successful. I want a valid explanation of this charge and if it was calculated and levied in error, I want a refund processed immediately.
XXXX {$25.00} balance In all the years I've been a customer and never had a late payment, i had a {$25.00} balance that slipped my mind. I wasnt notified with a statement balance that I normally always got in the mail. Instead they reported me to the credit bureau and refused to remove it.
I have a mortgage with Central Mortgage Company. I was a few days late in 2013 and they waived the late fee. Over 2 years later I was late by 2 days and they assessed a {$69.00} late fee which they would not consider waiving. The following month my payment was timely but they rejected the payment after the time period for when payment was due making the payment late. They assessed another {$69.00} fee to spite their agreement that there was no way for me to make this payment on time. 
They are abusive and their actions should not be allowed.
This is an addendum to the complaint submitted XX/XX/XXXX ... # XXXX. 

Today, XXXX, I received an official Notice of Default in the mail from Shellpoint 's attorney ... XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. 

Shellpoint is in violation of law in the State of California on two counts. 

1. Dual Tracking. I have been going through the loss mitigation options with Shellpoint and sent all the requested documents for a loan modification. I was never given an answer on this by Shellpoint and they were pursuing foreclosure without ever giving an answer. My original request was for forbearance due to financial difficulties and was never given an answer on this either.

2. Violation of Notice of Intent. A letter dated XXXX was received from their attorney saying they were going forward with foreclosure. But they had filed for notice of default on XXXX, filing before they even sent the letter of intent. Plus, they are required to wait 30 days after the Notice of Intent to file the Notice of Default. 

Shellpoint will not even acknowledge receipt of documents they requested of me for a loan modification. In fact, they requested the same documents more than once, even after I complied with the original request. 

Aside from this complaint, I have sent Shellpoint a QWR asking for answers. I am in the process of drafting a complaint with the attorney General of the State of California for violation of California laws.
A month ago I contacted the institution and inquired about a rate reduction on my credit cards, in light of recent financial hardships. Upon which, I was informed by   USAA agents that the only way they could do a rate reduction was if the account was in the rears and deficient. Following the deficiency, your company would then close the credit cards and afford a reduced interest, in order to pay off the balance.
Three   weeks following that conversation, I contacted customer service again, and in fact was late on my payments that were due. The agent then acknowledged the previous conversation, and proceeded to close my two  XXXX   XXXX  cards with USAA, and then informed that she would be transferring me to another agent to adjust the interest rate so the card could be paid off. Upon transfer, the next agent claimed to have no knowledge of any interest rate reduction policy, and refused to help.     The fact that the subagent advised, that in order to receive a reduced interest rate, I would have to first be delinquent on my account, is the first issue. The second issue is that in light of the closures, my credit worthiness has been affected adversely and also created a legal detriment to my financial standing.     As a result of the subagents advice and actions, the company has violated various federal statutes, to include the FDCPA, and  UDAAP, of which provide fines and penalties against the offender, and provide support of compensatory or punitive damages ( or both )  to an affected party, as a result of the wrongful acts of the banking institution.