WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX Honda financial double posted my payment. Once they credited my account, I paid them again. I was promised everything was ok and I had nothing to worry about. Well, XXXX XXXX I received a call while I was sleep 3 days after XXXX. I was told my account was past due. I explained what happened and the lady kept telling me I owed the money. My bank gift involved. The lady was waiting on documents from them showing the payment went through my account. She said she never recovered it, so I had to send her screen shots of my account then she called me and said she needed the before and after balance. That to me was too personal and I was n't happy. Well, they sent my account to the credit b stating I was over 30 days past due. I was furious because my boyfriend is the cosigner. 
I kept calling the corporate office for the VP that sent the letters to the customers apologizing for the mistake but he never called back. Well, I finally spoke with a finance manager, he listened to the complaint and had someone call me a few days later. Well, after speaking with the manager that called me, he told me he would write off half of my monthly bill once I made my payment. I made my payment on XX/XX/XXXX because it was due XX/XX/XXXX. The manager followed up with me this past Tuesday and said the balance was being written off because he seen my payment. Today My boyfriend received a message to call back. I ended up calling and spoke with a lady named XXXX, she told me I was 7 days late. I am furious.
Before I got divorce my ex wife ran up the target and XXXX credit card. The divorce accord said she would take all responsibility on the target card and I would assume the XXXX card. In the accord it said my name would come off the card and not being affected by the amount of money or the credit score The target card number is XXXX and would expire on XXXX. My court number is XXXX from the state of Michigan. So I would like to have my name and credit off the credit card. She has frozen the account and is making payments on a fix plan
Equifax released my private information publicly by not adopting decent security measures in its systems. A failure on a unrelated system caused attackers to be able to access my full name, date of birth, social security number, and address. Not only mine but also from other 143,000,000.00 people. 

As if being completely irresponsible with their systems security was n't enough they have n't notified me directly, I had to learn about the data breach by reading the news. They definitely know that I 'm affected since www.equifaxsecurity2017.com shows that I was affected. 

Now my financial life is at risk for the foreseeable future. These companies should n't have access to that much personal information of any American, they are utterly irresponsible.
I recently received an alert that a collection was added to my XXXX, XXXX, and XXXX credit report. The report showed a collection from XXXX XXXX XXXX XXXX, stating that I opened an account with XXXX on XXXX XXXX, XXXX, and owed a balance of {$660.00}. I contacted the collection agency and told them that I 've never had a XXXX account and that I do n't owe them {$660.00}. I also asked them to provide me with proof of a written contract stating that I opened a XXXX account on XXXX XXXX, XXXX, and they refused to provide me with such documents. I also called XXXX, XXXX, and XXXX to dispute the collection and the collection was removed from XXXX, but not XXXX and XXXX. Please have this collection removed from my credit report because it is making a very negative impact on my credit.
Have made several attempts to get finalization documentation on foreclosed property so I can apply for new home loan. 
Ref # XXXX XXXX XXXX XXXX Property Address : XXXX XXXX XXXX XXXX, GA. XXXX
XXXX   XXXX   XXXX  did n't replying in a timely manner to my letters to date after numorious certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they  may  be liable for your willful non-compliance, as per FD CPA 807. False or misleading representations [ 15 USC 1962e ]   As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or in-action ) on their behalf has resulted in a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am preparing lawsuits against  XXXX , Experian &  XXXX  for not investigating nor responding to me as well, and taking no action when  XXXX   XXXX  did not reply.
Even though this is under XXXX XXXX XXXX, which is far as I thought had no affiliations with the Wells Fargo secure card but they secured card I had reported in as they were fraudulent activity back in 2014 on the card and thats why I had to close it. I informed Wells Fargo and let them know well in advance. The account on XXXX is still there Even though it says charged off and on XXXX XXXX and XXXX and its completely taken away. I am also part of a class action lawsuit against Wells Fargo for the multitude of fraudulent activity that is happened so far
On XXXX XXXX, 2016 Plaintiff accepted {$47000.00} in XXXX funds to fully cure Homeowner 's reverse mortgage arrears for unpaid taxes and homeowner 's insurance. Prior to this payment, XXXX 's home was sold at a foreclosure sale on XXXX XXXX, 2016. The purchaser of the property was the mortgage lender, XXXX. After the sale lender and the State of Florida entered into an agreement whereby the lender agreed that in exchange for full payment of XXXX funds to cure homeowner 's arrears, including all fees and costs, lender would vacate the final judgment, reinstate the loan and rescind the foreclosure sale, restoring title to Defendant. Notwithstanding, lender now seeks possession of the subject property and is intent of dispossessing homeowner of her home
Opened investigations and reinvestigations regarding inaccurate late payments. The company added additional late negative marks on my credit report
One year ago I used Navy Federal Credit Union to finance my first vehicle. I purchased the vehicle from a small dealership, XXXX XXXX in XXXX XXXX Virginia. At the time of the purchase the vehicle was worth {$8700.00}. The dealership provided a XXXX but my copy did not have the value of the car listed. The vehicle was financed by Navy Federal Credit Union for XXXX at 9 percent. NFCU financed XXXX percent of the fair market value of the vehicle. NFCU allowed me to purchase a vehicle with over {$4000.00} in negative equity. I went to NFCU to apply for refinancing of the vehicle and was told that I could only refinance if I paid down and additional {$2000.00}. Why was it ok for NFCU to finance me into a vehicle that had over {$4000.00} in negative equity and now that I have improved my credit with regular payments for a year and want to refinance they demand an additional {$2000.00}. Why is it ok for a lending institution to finance a car for so much more than it is worth. I thought that a credit union called Navy would look out for me.
Hello, my name is XXXX XXXX and I have a mortgage with Bank of America. The Mortgage # is XXXX. My wife XXXX is also on the loan. I am a retiree from the Bank. 
I am XXXX and get paid on the XXXX Wednesday of each month. I have late charges that I have asked to be reversed due to the fact that the Bank says they cant change the due date. 
The late charges are now showing past due on our credit reports. 
Cab you assist?
I sent a certified letter to XXXX XXXX XXXX XXXX  asking to send me validation for 4 accounts that they have reported to the credit bureaus. XXXX XXXX XXXX XXXX violated the HIPAA law by sending me itemized letters of procedures that was done including personal information. Per the HIPAA XXXX XXXX XXXX should not have sent me itemized statement with my Medical procedures. As a third party debt collector, XXXX XXXX XXXX XXXX should not have access to my personal medical records.This is a violation of HIPAA. I did not authorize any medical professional to disclose my Medical records with any third party.
I had XXXX of XXXX  without a XXXX and the XXXX were dropped, and checkr reported to XXXX that I was XXXX this is not true
I have spent months trying to get TransUnion to fix their problem. They are incorrectly reporting my car payment as " closed, derogatory ''. 100 % wrong. I have talking to my bank and they say repeatedly the account is open and paid satisfactory. All other credit reporting agencies have it correct. They have reported they have corrected, and it simply not true - they have changed nothing. I am enclosing a letter received today from XXXX that states the I am such a loyal good customer I can skip a payment if I want- not something they do to closed accounts. I am currently two months ahead in my payments. TransUnion should remember all the fines paid to CFPB, more coming.
Without notice, my vehicle loan account with Ally Bank was transferred to a debt collection company on or about XXXX XXXX XXXX. The first information I received about it was a notice from the debt collector, XXXX XXXX XXXX, XXXX, demanding information about my vehicle and for me to acknowledge the debt. I then went to the Ally website and found that my account information had been deleted. I had recently discharged my bankruptcy case however my vehicle payments were up to date at the time I received this notice. I have since continued to send my monthly payments to Ally Bank. To this date none of them have been returned to me and I have received no contact from them about transferring the servicing of XXXX loan.
I filed a identity theft, report # XXXX  and did a certified mailing to XXXX, XXXX  and Experian. The following items are still showing on my credit report : XXXX XXXX, for {$15000.00} XXXX ( auto loan ) and XXXX XXXX for $ XXXX balance ( credit card ). I also have hard inquires remaining on my credit report. Originally there was 31 inquires and now 9 still remain. ( which are not my inquires and are unauthorized, either verbally or in writing. These inquires are as follows : XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX an

d ( 2 ) XXXX XXXX. The FCRA, clearly states that, if I am a victim of identity theft and file the proper report and submit the documentation to the credit ( which I filed the report on a Federal level and will attach a copy of the certified report ). The credit bureaus have 5 business days to remove these items, from my credit file, per the FCRA and it has been two months and the credit bureaus have yet to remove these items as well as these unauthorized inquires. I have submitted two identity theft report, with various items as the items
became known to me and have yet to have these last items addressed. I have been shopping for a home and these items are causing me financial harm, as I am unable to receive a home loan as long as these items remain on m, y credit report.

In addition, I have a credit account from XXXX XXXX XXXX, which was reported to XXXX and as of this date, They have yet to reflect the credit account on my credit report.
XXXX XXXX, ACCT XXXX. This account violates the FCRA because it has been RE-AGED -- the DOFD is incorrect. Original Creditors and Debt Buyers are required to provide correct information within 90 days after it appears on the file. This account has been being reported for years inaccurately. These actions can be construed as fraudulent. As such, the remedy is to DELETE this account in its entirety from XXXX, XXXX  & XXXX.
I pay XXXX XXXX monthly for car payment and I 'm having hardship because I am a XXXX attending college for the next 4 years. I pay for school and rent. I 'm XXXX/XXXX XXXX. I 'm on a XXXX income. I have a XXXX on the way. I need to lower my monthly payment so I can live comfortably with my XXXX. I applied to refinance my car at different banks and were declined due to high mileage on my car. My car is XXXX and is in a good shape.
Putting me on repayment plans that barely pays the principle and are solely allocated towards the interest without informing me of that. When put on a rate reduction program, Navient would not remind me to sign back up. Would charge me for higher interest rates while I was n't signed up. Had to resign back up through a very extensive process in order to be re-initiated into the rate reduction program. Aggressive and non sympathetic ways of analyzing my finances in regards to payment plans. I 've twice had agents think it was okay that I would be left with {$50.00} in my bank account balance at the end of the month after my expenses and Navient loans were paid that month. Have had multiple tactics stated to try and get me to declare forbearance even though payments have n't been missed since I was struggling to pay their monthly rates. Always received different answers from different employees regarding loan status/problems. Harassment- multiple phone calls to my cell phone and my parent 's home calling for collection for missing payment by one day. 8 years have gone by and I 've paid tens of thousands of dollars, yet my balance still remains the same.
Fed loan is in violation of Fcra, fed loan keeps removing and re inserting this debt on my credit reports of XXXX XXXX, Fed loan is constantly removing and inserting debt which are only to stay on my reports for 7 years fed loan constantly keeps reaging this student loan information on my credit report which is illegal fed loan is not upholding the law which should be
I was unemployed on XX/XX/2016 and Navient would not grant me a forbearance without making a payment of {$50.00}.
As per telephone advice provided today by XXXX of your Bureau I am attaching two PDF documents which are updates to complaint : XXXX You provided a very narrow definition for my complaint when it should have allowed : all that apply. 

The billing and collection practices by XXXX XXXX XXXX XXXX. XXXX XXXX as agent for XXXX XXXX Rewarded Account are beyond what is allowed by law. They skirt Federal Law by not sending anything about the collection dispute via the United States Postal System ( USPS ). 

They dun by numerous telephone calls, as many as three even four in one day. They stop short of the XXXX deadline. 

They are Robot calls. When on the rare occasion they leave a message on my answering machine it is confined to advising me to call a number regarding the status of my account. I can not at this moment remember if they ever mentioned XXXX XXXX as the account. 

My original complaint I believe mentions the numerous phone calls. XXXX advised me rightfully so that CFPB can not address this matter. What I would like is this government agency to work with the Do Not Call registry to tighten up investigation and prosecutions of offenders. I can supply that agency with many offenders. 

As to what I want is for your agency which has been spectacular in helping me to advise and ensure that XXXX wipe out all charges incurred on this account. 

Further, I want XXXX to notify the four Credit Reporting agencies to restore my credit rating to the high 800s. And for XXXX to prove to you that was done. 

Then I you want to ensure XXXX advised XXXX XXXX of the truth of this complaint. 

I had written to XXXX that there original claim of investigation was insufficient. This is even worse. 

Note : XXXX  acknowledges they have the power to erase the original charge of {$16.00} but conveniently admit they are not doing this by advising me the current balance is {$16.00}. The exact price of the shoes I bought. I will never use this XXXX XXXX card or any Store Credit Card. 


Close the account as long as it does not
I have repeatedly advised Trans Union that the following requests for my credit were not authorized. They refused to remove the fraudulent inquiries and they continue handing out my credit report without proper authorization. 
XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/2015 XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/2015 Furthermore, I do not have a XXXX loan. The went through some kind of acquisition and/or company split and they are reporting an account late incorrectly. My account was paid off years ago and was never late. It was constantly in an in school deferment. Transunion refuses to fix the error.
Yesterday, XXXX XXXX i received my direct deposit at XXXX XXXX and tried to access the funds at XXXX XXXX and could not. When i called the customer service phone number i was on hold for over an hour. The agent told me that there was a problem with the direct deposit file and that all funds were reversed and would be re-deposited in about 1-2 hours. Today, XXXX XXXX as of XXXX XXXX, i still do not have my direct deposit funds and today is the actually payday. I called customer service again and they say they are working on the issue and i would receive a text once the funds become available.
I was approved for a Loan Modification fixed rate for ear term, effective XX/XX/XXXX. My pmt changes monthly and their web portal says I have an ARM that will change XX/XX/XXXX. I sent in a message with a copy of the Loan Mod asking for the correction and why I was being charged monthly for foreclosure fees. They replied it is an ARM with a change date of XX/XX/XXXX. Never answered my other question or looked at the Loan Modification.
On XX/XX/XXXX I submitted a complaint to the CFPB I.D . # XXXX, XXXX regarding Trans Union and the unfair, inaccurate reporting on my credit report. they still have not giving me any proof of how these items were verified, by who and they have not presented me with this information, they have closed the case and never given me any proof. I talked to the CFPB on XX/XX/XXXX which I said I wanted to reopen the case. I am respectfully reopening my original complaint, I am requesting vitrification from what source, Name, phone number of the people whom verified the accounts as belonging to me on my report.
This company called my cell phone and left a message threatening me with litigation. An y debts they may be referring to are many years past the applicable statue of limitations in the State of California (  or any other state ). When I called them back,  XXXX   XXXX   XXXX   XXXX  confirmed - and repeated - this threat. This is illegal.
Information that equifax deleted as a result of a CFPB investigation was added back to my credit report. This seems to be an ongoing trend that accuses every 60 days or so. Equifax has been complicit with XXXX XXXX XXXX XXXX Equifax has consistently allowed XXXX XXXX XXXX XXXX to update my credit profile for the past 8 years with inaccurate information regarding XXXX mortgage accounts included in a bankruptcy. I have sent them evidence which clearly shows that the information is inaccurate. XXXX XXXX XXXX XXXX is maliciously updating and providing inaccurate and erroneous information to the credit reporting agencies for accounts that were included in a bankruptcy. On XXXX XXXX, 2008, I filed for bankruptcy with the United States Bankruptcy Court of Maryland. In my XXXX 2008 petition to the court, XXXX XXXX XXXX XXXX mortgage accounts XXXX and XXXX were included. XXXX XXXX XXXX XXXX immediately closed the accounts and began reporting the bankruptcy to my credit profile as derogatory and/or negative in XXXX of 2008. Since 2008 to the present date ( more than 7 years later ), XXXX XXXX XXXX XXXX has modified, omitted and/or intentionally left the original date of first delinquency or pertinent information in order to align their reporting with the accounts current activity and status in order to report outside of the 7 year period and avoid complying with the FCRA statues as it relates to bankruptcy and the reporting of derogatory/adverse/or negative credit. XXXX XXXX XXXX XXXX is currently reporting the accounts as active and with a past due balance owed and/or outstanding. My discharge injunction is a permanent order, which strictly prohibits XXXX XXXX XXXX XXXX from continuing with collection efforts on the promissory notes once the bankruptcy court entered the final discharge. Because the debts were discharge in bankruptcy, XXXX XXXX XXXX XXXX is prohibited from reporting the debts as owed, active, late, delinquent or outstanding, charged off, having a balance due, converted as a new type of debt, re-aging it or giving it a new account number. This is exactly what XXXX XXXX XXXX XXXX is doing in order to continue to report on the accounts. XXXX XXXX XXXX XXXX should be reporting these accounts as having a zero balance, and discharged, " included in bankruptcy, '' or similar language indefinitely or until it is removed. I have never reaffirmed these accounts so I owe them XXXX. I have also asked XXXX XXXX to update accurately and/or remove the information only to have it removed, updated, `modified and reappear with XXXX of the XXXX credit bureaus in some way. XXXX XXXX is actively violating the provision of the FCRA that requires furnishers ( that is, creditors or XXXX that report to the credit reporting agencies ) from reporting incorrect information. 15 USC 1681s-2 ( a ) ( 1 ) ( A ). It is also a violation of the FCRA if the debtor notifies the creditor about the incorrect reporting, but the creditor does not correct and update it. 15 USC 1681s-2 ( a ) ( 2 ) ( b ). 

***The information was corrected on dispute case numbers XXXX and XXXX, but equifax continues to let them delete, add and modify the report to impact my credit negatively.