WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I filed complaint number XXXX with the CFPB. In response to the referenced complaint, you claimed to take consumer protection obligations very seriously ; However, based on the evidence you provided in your response, regarding reference number XXXX, is it clear that your company is engaged in the ILLEGAL practice of re-aging of an account. 
Section 623 ( 5 ) ( A ) of the FCRA clearly states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 
Upon reviewing the information you provided in response to complaint number XXXX, it is clear that the account 's date of first delinquency ( DOFD ) was in XX/XX/XXXXor a date earlier than XX/XX/XXXX reported on my credit file. While you claim that it is your right to report to the major credit reporting agencies, the act of knowingly reporting misleading information or engaging in account re-aging is ILLEGAL.

By changing or failing to provide the date of first delinquency, the FCRA compliance date, it is clear your intend is to reset the clock so as to have more time to collect on this alleged debt. I would like to remind you that it is ILLEGAL to change the purge from date on a negative listing causing it to remain longer on a consumer 's credit report longer than allowed by federal law.
I have disputed the bankruptcy filing and submitted my FTC report to Equifax, they indicated they was removing the accounts ( Bankruptcy ) and it still appears on my credit report. I have attached a copy of there response regarding their investigation.
On XX/XX/2018 I had purchase from XXXX and I used XXXX credit card ( SYNCHRONY BANK ) for {$190.00} which I never received the item, I contacted XXXX but they never give me credit for it so I disputed the {$190.00} with XXXX credit card ( SYNCHRONY BANK ), instead of removing the charges XXXX credit card ( SYNCHRONY BANK ) charged me another {$190.00} so was total charges of {$380.00} then XXXX credit card ( SYNCHRONY BANK ) removed one of the double charges, and XX/XX/2018 I received letter from XXXX credit card ( SYNCHRONY BANK ) stating that I have to pay {$190.00}, on XX/XX/2018, I called twice at XXXX XXXX and XXXX XXXX the number they provided in the letter XXXX for XXXX credit card ( SYNCHRONY BANK ) and left a message but never called me back, so I had to call the number in the credit card and I talked to XXXX at XXXX XXXX but she could not help me.
Contacted multiple times by XXXX XXXX XXXX, which is not a legitimate business stating that I " owed a debt '' on a Citibank Credit card that " someone may have illegally taken out '' during XX/XX/2015 however, I did not live in the US in XX/XX/2015, nor did I open an account or give anyone my personal information. They stated that they had sent me multiple correspondence and that the only way to resolve this was to pay {$2500.00} on the spot and the harassing calls and contact to my family members and myself would stop. 

After looking up their information, I realized quite quickly this is a scam. The company has yelled at my family members on the phone multiple times during the workday and I have now filed a police report for harassment. I look forward to pursuing this further as this is a scam.
The credit card account ending XXXX with XXXX XXXX XXXX XXXX is the subject matter of this complaint. This account was opened around XX/XX/XXXX Made the regular payments and the account was in good standing until the last payment made on XX/XX/XXXX. I moved to a temporary residence of XX/XX/XXXX. I tried to negotiate the past due balance but the account was charged off three months later ( XX/XX/XXXX ) and no payments can be accepted since the account was referred to a debt collection. On XX/XX/XXXX, I received a communication letter from a debt collector. On XX/XX/XXXX I sent a validation to XXXX XXXX XXXX. I did not received any respond from XXXX XXXX XXXX. The debt collector sent an account statement stating that this meet the requirements of debt validation as per FDCPA 15 USC subsection 1692g. XXXX XXXX XXXX did not meet the requirement of validating such disputing debt. No affidavits or any statements made by XXXX XXXX XXXX any validity of the disputed debt. No response from my lawful inquiries whether XXXX XXXX XXXX still have the legal right to collect any obligation to pay on my part of such charged off account as bad debt reported to IRS or if the account has been sold or transferred to a debt collector. On XX/XX/XXXX the debt collector sent me a NOTICE OF INTENT TO FILE SUIT AND INCUR COURT COST prior XXXX XXXX XXXX lawfully and legally validating such debt. At present the debt collector filed a lawsuit against the consumer reporting the XXXX XXXX XXXX IS THE PLAINTIFF. If that 's the case I am demanding XXXX XXXX XXXX XXXXo provide a sworn affidavit that in fact they are suing me ( the consumer ) of the subject alleged debt. And also provide ME the name of the debt collector XXXX XXXX XXXX that representing them as the PLAINTIFF.
Nelnet is reporting accounts open. The accounts are actually closed, and because they are open can not buy a home or the loans are used against my available income.
I am corresponding with you to report a flagrant violation of the FDCPA and XXXX by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On XXXX XXXX, XXXX this company received a letter from me where I disputed the accuracy and validity of this account which is the result of the fraudulent activity which has reported on my credit report and asked that they block the account from my credit report. The company has done nothing and in violation of my rights have kept reporting this account as a valid account on my credit report. This company continued to report this account which is a violation of FCRA XXXX.
My complaint is not that I cant pay my mortgage but that I have an escrow account and Shellpoint Mortgage Servicing has not payed my taxes we have called they said the taxes will be payed dont worry I have been down to my town hall 3 times and Shellpoint still has not payed my taxes yet. We have called Shellpoint 3 times and 3 times they said they were in the process of paying the taxes. Apparently they are lied since now I have to come up with around {$4000.00} dollars to pay taxes that I have given this mortgage company to pay or the state of New Hampshire is going to put a lien on my house this is unacceptable someone needs to do something about this mortage company how is this ok to take poeples money and not pay what they are supposed to pay. Thats what we pay them for. Shellpoint needs to be looked into cause if they go belly up I will be out a lot of money and Im sure other people will be too. Unacceptable!!! 
Thank you
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Fl XXXX XXXX cell XXXX email First thanks a XXXX to XXXX XXXX and XXXX for doing Ana amazing job. You guys stopped identity thift from happening and fixed my credit reports. For some reason XXXX bank line of credit, XXXX card, XXXX card. Not showing up on ether of them. Would like to see them on there. Please. Far as Experian you still have the identity theft. You still showing XXXX  credit card, XXXX XXXX XXXX XXXX joint account, XXXX XXXX XXXX joint account, 2 accounts from XXXX XXXX XXXX XXXX. XXXX dose not have my XXXX bank line of credit on there as well.
Hello, me and my Wife requested o copy of our report from XXXX XXXX XXXX. On every single spot where should be our birth dates on our report it says XXXX which is incorrect. We tried to contact Them so They may correct the birth dates on our reports but They told us to contact You. All other credit report companies has same issue with our birthdates. Seems like everyone is missing the correct ones. 
Please help. 
Thank You!
I am part of the 143 million affected by the Equifax data breach that was confirmed on XXXX XXXX 2017.
For a while now, I 've disputed XXXX account balance with Equifax several times. The dispute was based on the account balance of {$0.00} and changed to {$27000.00} about XXXX year later, which is misstating the balance due and a FCRA violation. 

I contact XXXX and they state, " While Ally furnishes information to the credit reporting agencies, it is the credit reporting agencies responsibility to accurately reflect that information on your credit report ''. If this is true, why was a {$0.00} balance reflecting on my credit report for XXXX?
I purchased a car XX/XX/XXXX. At the time I had filed a chapter XXXX bankruptcy. I had just completed my final hearing. I lost everything. After being advised by my lawyer, I was cleared to find a car. I had to have a car. I went to drive time in XXXX, N.C to purchase a car. I was asked for a final hearing letter from my bankruptcy. The car was approved and I was told with more money down, I could reduce my interest. I did pay XXXX dollars down. I have had a excellent payment history. Around XXXX XX/XX/XXXX I noticed a drop in my credit score. Drive Time had deleted my account from all credit files. As of date, it has not been placed back. I am told, the credit bureau will not allow it. After speaking with XXXX credit, I am told this is not true. Why are some account being reported and my account is not? Did drive time illegally sell me a car? What are they hiding and why is my credit score suffering XXXX to?
Back in  XXXX  of  2016    XXXX   XXXX   posted negative information on my credit history. I disputed with  XXXX  and the other  XXXX  credit reporting agency on  XXXX   XXXX ,   XXXX  , and the negative information was removed from my account on  XXXX   XXXX ,   XXXX  . Equifax gave me a confirmation #  XXXX  after deleting the negative information.   After  one  year the same negative information reappeared under different collection agen cy (   XXXX   XXXX   XXXX   ).   XXXX  did not send me any letter and did not help me remove the negative information. The amount in dispute is {$170.00}. All the credit agency also have many wrong addresses on my file. I was told I can not do it online but I have to call them. When I call the number provided, they phone keeps disconnecting and unable to reach a customer service rap. I never liv ed at 1  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Colorado  XXXX  2 )  XXXX   XXXX   XXXX   XXXX   XXXX  CO  XXXX   3 )   XXXX   XXXX   XXXX   XXXX   XXXX  CO  XXXX
I pulled my credit report and identified a hard inquiry from New American Funding. I called the number, XXXX, and spoke with a XXXX XXXX XXXX. XXXX XXXX alleges that I provided verbal authorization to a XXXX XXXX XXXX to run my credit on XXXX XXXX, 2016. When disputing the inquiry, XXXX XXXX informed me that they have my personal information and that I spoke with XXXX XXXX at approximately XXXX. I am concerned that I have not authorized any lender, outside of XXXX XXXX XXXX and XXXX XXXX, to run my credit. I am in the process of attempting to purchase a home, but again, I have yet to authorize anyone to run my credit. I would like XXXX XXXX to be investigated for running an unauthorized credit inquiry and for New American Funding to remove the hard inquiry. If they refuse, I would like instructions on how to retrieve a copy of said phone call in which XXXX XXXX alleges that I provided authorization.
Navient is reporting to XXXX that I still owe their company {$5000.00} on a student loan that was consolidated and transferred to XXXX XXXX. I have tried to fix this error with Navient numerious of times. This is a violation of the FCRA federal law. The balance owed should be reporting as a zero balance.
Finally, received the corrected report from TransUnion dated XXXX/XXXX/16, file number XXXX, per the response from TransUnion, the authorized user accounts were supposedly removed. However, XXXX authorized user accounts exist still on the report that I am not contractually liable for- the following accounts should be removed : XXXX XXXX XXXX # XXXX authorized user- not liable for account. XXXX XXXX # XXXX authorized user- not liable for account. NXXXX # XXXX authorized user- not liable for account.
I got alot of different Medical debt that keeps showing up on my report under new postings despite some if it is 5-7 years old Also got a bank reporting and its been 12-15 years since i've had an account with them XXXX XXXX XXXX Last reported : XX/XX/2018 {$1600.00} Needs Attention COMMONWEALTH FINANCE Last reported : XX/XX/2018 {$1000.00} Needs Attention XXXX XXXX   XXXX XXXX Last reported : XX/XX/2018 {$1000.00} Needs Attention COMMONWEALTH FINANCE Last reported : XX/XX/2018 {$710.00} Needs Attention XXXX XXXX Last reported : XX/XX/2018 {$340.00} Needs Attention XXXX XXXX XXXX XXXX Last reported : XX/XX/2018 These are just to bring a few.
This is a follow-up regarding the complaint XXXX submitted on XX/XX/2017 that I opened a checking account with BBVA Compass bank and did not receive the {$200.00} bonus even though I satisfied all the requirement. 

In the response to the complaint, the bank confirmed that I have satisfied all the requirements except that " Unfortunately, during the review of your account, it was discovered that due to your Tax ID certification status, you are ineligible to receive the {$200.00} cash bonus. The California Colorado Sea of Blue Consumer Checking Offer flyer states that Any client whose tax status would require BBVA Compass to impose tax withholding of any sort will not be eligible for this bonus. '' However, the document attached clearly shown that I have certify under perjury with the bank at the time of account opening that I 'm U.S. person ( resident alien ) and not subject to an withholding. And as such, it seems that there is a mistake on BBVA Compass side in assigning wrong withholding status to me. Therefore, I should receive the {$200.00} bonus since I have satisfied all the requirement.
My client set up a recurring payment with Wells Fargo and they started withdrawing duplicate payments without my permission. She had to refinance the debt with another lender in order to stop the duplicate payments. Please see the attached document for additional information
All 3 credit bureaus are reporting that i have a account with XXXX  and i do not currently the have not verified that the account is mine and i have sent 3 letters and XXXX to them and sent a letter to XXXX XXXX but i have not received a sign document from them that i do owe them and the 3 bureaus and XXXX say that it is verified but have not provided me how they verified it or provided me with any documents
When I signed up for an American Express card, I was told over the phone that the annual interest rate would be 16.99 %. On XXXX XXXX, XXXX, I was charged approximately {$36.00} dollars in interest in two separate interest charges, an amount that seems significantly higher than what should be, according to the original terms. Despite my multiple requests, American Express representatives who I contacted on XXXX XXXX, XXXX refused my request of a formal audit, not only to look at this calculation, but other months in which I may have been overcharged. The refusal to investigate further leads me to suspect that there may be other aspects of this that are unfair or in violation of laws. Can you audit my American Express account since they refuse to?
On XX/XX/XXXX XXXX XXXX XXXX continue to call and threaten me and my family about account that was opened on XX/XX/XXXX. The company states that I own {$1000.00} I have no idea what this for and I didn't have an account with them are the company that they are representing. This has been placed on my credit report and I have disputed it multiple times asking for the original signed copy of our contract. But XXXXXXXX XXXX XXXX refuse to provide and it continues to get verify on my credit report as accurate information.
In XXXX 2016 I received a letter in the mail from Mariner Finance thanking me for opening an account. I did not open an account with them so I immediately called the number on the letter and left a message stating as such. I did this twice with no response. A week or so later I received a call from Mariner Finance asking me if I wanted to set up online payments. I told them I never opened an account with them and they said that they sent me a ( NOT requested ) live check in the mail and someone must have cashed it in my name. It has now been months upon months and this issue has not been resolved. I have filed a police report and given them their needed information and still nothing. In the meantime they are reporting that I am late on payments effectively destroying my credit. I will be pursuing legal action if this is not resolved and corrected immediately. After doing research online I have found they are not XXXX accredited and they write " check inside! open immediately! '' on these checks they send out to unsuspecting people putting them at risk for identity theft. This is unethical and unacceptable business practices that need to be corrected.
Experian did not send me validation of a debt they updated on my report in which I have no knowledge of. They told me to contact the creditor which is their job so they are trying to brush it off on me which is a violation of my rights. They seem to stall the process of my disputes. I am also not aware of any accounts with   XXXX   XXXX   XXXX   XXXX   and they are the only bureaus reporting this inaccurate information. They are reporting these as negative collection items on my report and are also reporting these as open. They also have different reporting fro m one year to  the next. This is clearly a major violation of the FCRA.     XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX    XXXX  and  XXXX
My Loan was with ACE CASH Express. My husband had suffered XXXX. I lost my job due to XXXX. I tried to make payment arrangements with the company. They refused to take any money, then hired a company to harass and threaten me. They threatened to take my vehicle and throw me in jail or prison. Demanded I pay {$1000.00} more than what I owe. They are still to this day calling and threatening me. Without, willingness to make arrangements for solution.
XXXX months ago we submitted a complaint against Nationstar ( case number : XXXX ). They claimed we missed a payment that was automatically withdrawn from our bank account. We provided bank statements to prove the mortgage was paid and with your help, they acknowledged it was their error. 

Last month we got another email saying we missed a mortgage payment. When we called them up and told them CFPB had helped resolve this issue they said it would be fixed. 

Now I got another email telling me we have n't made our mortgage payment!
I already filed a complaint numbered XXXX against XXXX  XXXX, as well as against XXXX Card numbered XXXX. This complaint was also against XXXX XXXX for the same problem, which was for reporting literally 15 year old information on my Transunion credit report, and perhaps XXXX/XXXX   and/or XXXX and/or other credit reporting agencies. In short, XXXX XXXX  has already done the right and legal thing by deleting these age-old accounts, and XXXX and XXXX XXXX need to do so as well and immediately ... as does Transunion and any other credit reporting agency. 

They ( XXXX XXXX ) responded that they need more time to research. BUT -- Attached below please find the response correct response, which took XXXX XXXX   much less time ... which response is that all of these accounts are WELL over the age where they, by law, MUST be immediately removed from my credit report. In short, XXXX XXXX  did the right thing and complied with the law, now XXXX, XXXX, and, most important, Transunion, must do the same! Here is the proper and legal response from XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX Card ending in XXXX Dear XXXX XXXX : We recently received an inquiry from the Consumer Financial Protection Bureau regarding the above referenced account. I was asked to review and respond to your concerns regarding the credit reporting of the account. 
Upon review, our records reflect that the above-referenced account was opened in XX/XX/XXXX and was subsequently closed in XX/XX/XXXX. Please accept this letter as confirmation that a request has been sent to the credit reporting agencies to delete any reference of the account from your credit report. It may take 30-45 days for the credit reporting agencies to update their records. 
Your prior requests were declined due to the timeframe in which they were requested. 
XXXX is not affiliated with XXXX or XXXX XXXX, and it will be necessary for you contact them directly regarding your concerns with them. 
Thank you for allowing us the opportunity to respond to your concerns. 
Sincerely, XXXX XXXX Executive Response Unit XXXX FEDERAL REGULATIONS REQUIRE THE STATEMENT PRINTED ON THE REVERSE SIDE cc : Consumer Financial Protection Bureau , Case # XXXX our telecommunication number for our hearing-impaired customers is XXXX.
The Money Source Mortgage Company made errors in posting our payments incorrectly. This has caused a chain reaction of late payment postings to our account. Our payments, which have included additional monies toward principal and escrow shortages, have been made approximately 2 weeks prior to the due date. They have turned our account over to the credit bureau as late/slow pay even when they assured us they would not. One of the Representatives that we spoke to did indeed find that this was entirely their fault. However, their reporting to the Credit Bureau has caused our credit rating to drop XXXX points. Repeated phone calls to the mortgage company has only created more problems. We have documented proof of every payment made, phone call and supposed resolution to our account. We have not been able to talk to a Supervisor concerning any problem when we requested. This company has not been able to post our regular payments, additional principal payments or additional escrow shortage payments properly. 
We would very much like to have these problems resolved, our credit re-established and in good standing. We have never had a problem with any other mortgage company that we have dealt with in the past as we have with The Money Source!
My loan is currently held by Select Portfolio Servicing & am currently paying PMI since it's inception in XXXX. I have requested to cancel PMI on numerous occasions but it has fallen on deaf ears. 

Under the Homeowners Protection Act of 1998, if my loan is closed on or after XX/XX/XXXX as a single family primary residence & I am current on my loan payments, PMI will automatically terminate on the date the principal balance of my loan is first scheduled to reach 78 % of the original value of the property. This is a clause under Automatic Termination of PMI. I am currently under 49 % & still paying each month for no reason. I want them to be accountable & cancel my PMI as soon as possible & reimburse me thousands of dollars I have paid in PMI installments each month.
In late XX/XX/XXXX I called into Dept of ED/Navient customer service line and requested to have my account put into a deference. At which time the woman I was speaking to informed me that it would not be an issue and everything was good to go. So until three days ago when i acquired a copy of my transunion credit report and saw that I had 5 late payments reported for the month of XX/XX/XXXX because I have 5 different student loans. This had immediately dropped my score down over 40 points!!! So i called Navient and tried to explain the issue and the representative just kept insisting that I was at fault because they reached out multiple times and were unable to reach me but when I asked what email address they had he gave me one that wasn't even mine!!! So i politely told him the correct address and then he stated there was no recourse for me to appeal. I'm just dumbfounded at the negligence and unbelievable arrogance that these people seemed to act towards me with.