WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX  Transunion and XXXX  are reporting on my credit reports that I am XXXX by listing my employer as " XXXX '' or " XXXX   XXXX '' and in doing so violates my right to have my personal health information/status protected under HiPAA. And also exposes me to discrimination by notifying creditors of my health status. 

No option is provided on either of the sites to remove this personal protected and privileged health information.
On  XXXX   XXXX ,  2017  our credit union sent a payment t o Capital one   XXXX .  XXXX   XXXX   XXXX , NC  XXXX . The amount was  XXXX . That check was lost. We attempted to have the company find the check with no resolution so we had the credit union issue a second check, same amount this was sent   XXXX   XXXX   to obtain a signature. That was received and signed for but the check was never applied and we can only assume it was lost? The company has done nothing to remedy this situation and is threatening to report the late payment to the credit bureau which will affect our score.
Navy Federal Credit Union ( NFCU ) implemented improper debt collection practices in order to obtain payments for my NFCU VISA Platinum card from XX/XX/XXXX through XX/XX/XXXX. 
NFCU conducted the following practices during the timeframe listed : 1. Falsely threatened me with legal action and wage garnishment through verbal telephone communication and written correspondences. 
2. Falsely threatened to my contact commanding officer to pressure me to make payment to my delinquent account. 
3. Contacted my commanding officer on numerous occasions to ensure I made payment to my delinquent account. 
4. Illegally froze access to my accounts : disabling my debit card, ATM card, credit card, and online access to my checking account until payments were made
Ive been banking with Chase Bank for 10 Years I have a checking account and two credit cards. I do Direct deposit with them I get paid every week on Friday with Chase but I've been on XXXX from work its been harder to pay the bills but Chase Bank closed my account XX/XX/XXXX. I called Chase to ask them why they said I'm bad for Business and they get to pick there customers. I was never told by Chase Bank how I can stop over drafting i was getting hit with {$35.00} fees I can't look at the total but add that all up I'm at {$1000.00} in fees. Chase Bank should of helped me not robbed me and they kicked me out there door. I was never told that if I over draft in my checking account have a savings, overdraft peotection, link an account or link a credit card.
XXXX XXXX XXXX is currently reporting a collection account to my XXXX   credit file. There are two problems with this, they are first violating my privacy reporting this collection account is a HIPPA violation and secondly I live in Tennessee. Tennessee requires all collection agencies to be licensed and bonded. Franklin Collection is no longer licensed in Tennessee therefore they are unable to collect on this debt.
I purchased my property back on XX/XX/XXXX. for XXXX property prices went down called XXXX XXXX XXXX to get a  loan modification. several times and was denied. they sold my loan to other banks. and tried to get a loan modification with no success. so signed papers to do a short sale. they listed the property for XXXX. but they would not sell it to me. So the property finally went on fore closure and they say i owe {$91000.00}. this is outrage. they sold it for XXXX. they wouldnt work with me. and they are saying i owe the. i was also suppose to get XXXX. for moving assistance. that i never got either. this was my primary home. ACCT # : XXXX
My loan was sold by XXXX to Caliber. I called in to make arrangements. XXXX/XXXX/15 I made the arrangement with a representative who told me I would be sent a letter to agree to and sign to get the deal going ... .I never recieved a letter to sign, however I did recieve a letter XXXX the wrong dates and amounts I had agreed to. the letter said the money was due on XXXX XXXX or I would be in default and the amount due is incorrect ... .. 
In the meantime my wife is handling all the business of the loan, altho the loan is in my name, I sent a letter of authorization on XXXX XXXX, 2015, They have not uploaded it as of yet and they refuse to speak to my ; wife, I was unavailable to give them verbal authorization and was sure of the fact that I had sent the authorization and they would speak to her. they told me that the letter of authorization was there but has n't been uploaded yet so they wo n't speak to her, allowing us to clear up the situation ... the letter threatens me with default if the money is n't in on XXXX. XXXX, but that was not our agreement ... ... .I will be penalized because of the inefficency of the company that holds my loan.
I am complaining about XXXX XXXX/ChexSystems. OnXX/XX/XXXX I disputed some information with Chexsystems AND XXXX XXXX for what they reported me to ChexSystems and XXXX XXXX DID NOT respond to Chexsystems about my dispute. Again I filed with XXXX XXXX AND ChexSystems about my dispute. By the FCRA ChexSystems has 30 days to receive information from the institution of what I did wrong. XXXX XXXX  NEVER ended up writing to chexsystems and on XX/XX/XXXX since 30 days was on a Saturday Chexsystems REMOVED information from XXXX XXXX what they reported. 2 more extra months went by and on XX/XX/XXXX I get a letter from Chexsystems ( 3 months after ) that " since that time, the source of the information has certified that the information is accurate, therefor, it has been reinserted into your consumer file. BOTH companies are breaking the FCRA since XXXX XXXX DID NOT respond to me after I filed a dispute to them directly nor did they respond to Chexsystems. It was over 82 days when they reported my information back to chexsystems and they are now reporting it.
While we appreciate fixing the issues with the XXXX and taking off the XXXX late payment reference that has not completely fixed the issue. We sent back notarized copies of the deed in lieu paperwork prior to the XXXX XXXX deadline and the notarized copy shows that it was in effect XXXX XXXX, 2016. Having that paperwork in prior to XXXX XXXX there is no way that we can held responsible for there being a late payment of XXXX and would request that this late payment be removed as well. My husband pulled his credit report today and noticed that the XXXX late payment has been removed but now Seterus , Inc. has reported that we were late in XXXX all of a sudden when that had not been the case prior. We would like Seterus , Inc. to stop changing other payment information without notifying us of this case since it does not appear in the XXXX documentation which is the same as in this XXXX file attached. We have attached a copy of the deed in lieu paperwork that has been referenced above.
I have been discriminated against and treated unfairly by Barclaycard Delaware. Recently, I was notified that my credit limit was reduced by {$600.00} because I was " nearing my limit ''. I was at least {$900.00} away from my credit limit at the time it was reduced. When my card was declined today while making a purchase, I called customer service to find out what was happening. I was told a letter had been sent in the mail the day prior ( yesterday ) explaining why my credit line was reduced, which as stated, was because I was nearing my limit. Why am I given a limit if I ca n't get near it other than to potentially charge a fee or harm the consumer? The customer service manager also told me that it depends on my " overall credit health. '' However, my credit health, according to their XXXX reporting system is XXXX -- which happens to be over XXXX points higher than my husband 's who was just given a credit limit increase. This is not the first time I have seen my husband 's credit limit increase while mine has stayed the same or, like this time, been reduced. Our credit reports are virtually the same -- he has a higher debt to income ratio because of our mortgage, which is why I believe his score is typically lower than mine, yet he has consistently received credit limit increases ( without request ). This has been a consistent issue with Barclaycard Delaware since opening our accounts, which occurred within a few months of each other. I can find no other reason for this other than discrimination in their portfolio management. I have never been late, I have never gone over my credit limit, and my account has remained active and in good standing through my entire history with the company. Now, because my limit was reduce, a purchase of mine will put me over my newly reduced credit limit, which I believe will harm my credit score and overall portfolio history with the company, should I decide to keep my account open.
seneca this mortgage servicing is on my credit report, It belong to my hubsand who is decease. so they put it on my report. my name was not on this mortgage.
I have a vehicle that I am leasing through Chrysler Capital. I have had my car since XXXX 2013 and have been making automatic payments for 24 months without issue. On XXXX XXXX, as what happens on the XXXX of every month, my bank account was drafted by " Chrysler Capital Payment '' for my payment of {$370.00}. It then posted to my account on the XXXX. I travel for work so I have all of my reoccurring bills set up to auto draft. Since I saw it drafted I did n't think anything of it again. 
This past weekend I checked my XXXX XXXX and I had a statement from Chrysler. Imagine my shock when I opened it to find it was showing me past due and that I had not made a payment since XXXX. It was after hours and a weekend so I could not immediately call. 
Monday morning on my way to work I called customer service and spoke to a customer service representative. I explained the issue I was having. He said it 'showed the payment on my account but not sure why it did n't post '. He said he would send it to the accounting department to get it taken care of and would have my late fee removed. He said for me to fax a copy of my bank statement showing where the payment was drafted and to call back in two days to make sure everything was taken care of. 
I just called again now, and there is still no resolution. They show where I faxed in my bank statement ( a detailed statement of the draft is included as well since I work for the bank it was drafted from ) but nothing else has been done yet. The girl told me to call again tomorrow to check on the progress. 
Here is my issue : Chrysler is not doing the right thing for the customer. As a customer every time I called I am being told " I am 22 days late ( or XXXX as of today ) would I like to take care of it ''. In addition, I have been assessed a late fee that has not been removed either. This was NOT my mistake. My account was drafted by Chrysler as it always is. I ca n't help that after it was drafted the accounting department did not post it correctly. Working at a bank, if there is a bank error the first thing we do is to fix it for the customer. After we fix it we then try to figure out what was wrong or where the error occurred. The right thing to do would be to credit my account for the {$370.00} payment that was drafted from my account. ( Like my bank statement shows and the first representative could see ) Then you can research where the error was on Chrysler 's side. Because Chrysler is not doing the right thing I am incredibly stressed because it is showing I owe over XXXX and late 24 days. Not to mention if this is n't corrected soon they will report me late on my credit report and then my next payment is due on the XXXX. To top it all off - Chrysler wo n't call me back - they expect me to call back and follow up instead of Chrysler following up with me.
I refinanced my home in XX/XX/XXXX with same company ( Wells Fargo ) using the HARP Program but a year later they are telling me that my mortgage incurred a escrow shortage of over {$1800.00} which will add {$200.00} to my {$1600.00} payments. I am now paying more than I did before I refinanced. I was given an overpayment escrow check of {$840.00} but I turned around and applied it to my refinanced loan because I knew it was n't free money. I 'm not certain in if it was misapplied or not. Also, my tax assessor stated that my taxes did not increase more than $ XXXX {$300.00} in XX/XX/XXXX. Another words, I did n't have a big tax increase. I 'm wondering if it was a mishap when they refinanced originally back in XX/XX/XXXX and did n't calculate the escrow properly in the 1st place. I called Wells Fargo for an explanation regarding the large escrow shortage because as long as I 've had a mortgage its never been this much. This is really causing me a hardship. I refinanced to save money and now its costing me more than the original mortgage payments. By the way, the person I spoke with at Wells Fargo said that they like to have at least {$1300.00} extra for escrow beyond what is actually due and that 's nice but its not affordable for me.
I submitted a credit inquiry dispute with Equifax online on XX/XX/2018. Two days later on XX/XX/2018, I received an email notifying me that the dispute was complete. Each time I attempted to check the status online, the website returned with this message : " We are currently unable to process your request! The information you have provided does not match our records ; therefore we are unable to process your request online. 
Please try again later or contact us directly to check the status of your dispute. 
We apologize for the inconvenience. '' When I called Equifax, the representative indicated that I could not dispute a hard inquiry with them ( Equifax ) and that I had to directly through the company that reported it. 

Equifax did not do a proper investigation. In fact, they did no investigation at all. 
I contacted the below creditors and I have not received any proof that I initiated such inquiries, nor written authorization nor any permissible purpose. Since, I have received no authorization,
Our mortgage company, XXXX XXXX ( previously owned by XXXX XXXX ) sold our mortgage to Residential Credit Solutions in XXXX, XXXX. Our payments were roughly $ XXXX/month at 9.95 % interest. My husband lost his job in XXXX. We knew our payments were going to be impossible to maintain, so in XXXX, began the process of applying for a modification. XXXX XXXX, and then Residential, made it impossible for us to receive a modification which would make the payments more affordable by continuously delaying the process for about 18 months, then finally gave us a " Supplemental Modification. '' This did not lower the monthly payments, kept the interest rate at 9.95 % and extended our mortgage to 40 years. Since they had already begun sending us foreclosure letters, we had no choice but to accept. We contacted several government agencies and representatives, to include CFPB XXXX XXXX XXXX ( who, by the way, did not listen and were very rude ), and no one would help or listen. I am attaching several documents to support our complaint. After giving up actual living necessities and cashing in our retirement to bring everything up to date, we applied for and received a new variable rate mortgage through a XXXX 2.75 %. Of course, this interest rate will go up ; however, our current monthly mortgage payment is now a little over {$700.00}. We had to incur closing costs, legal and appraisal fees, etc., in addition to the more than {$20000.00} in interest payments over the lifetime of the " modification '' as a result of Residential 's predatory practices and other agencies ' lack of consideration towards us.
Ive applied for XXXX loan forgiveness 3 times now, and Navient continues to deny my application, althoughh, Ive fulfilled the requirements to receive this assistance
Hello, what happened was I ended up getting the car I got with loan threw J.D Byrider. As the car got stolen, n reported stolen whomever stole hit totaled the vehicle and left it. The state police around XXXX, nj found it and brought it to a towing place in XXXX, nj. Filed the stolen car report and it took 8 months for cnac to place claim. When it finally went threw it was only XXXX XXXX and sum deducted from loan pay out. That was full coverage I had, usually full coverage, theft, etc. J.D.Byrider did n't even go n take pics. To put claim in! They expect me to pay back the loan, I have n't the vehicle, n as I said got their full coverage threw their co.
While using American Express I was told several times my credit report would not receive a negative his as I was working with AMEX to make payments as needed for a business card that I was paying with personal funds. After reporting a negative hit to my credit report, AMEX refused to disclose the recorded transcripts of the numerous calls telling me I would not be negatively affected, then closed the card after numerous assurances my card would not be closed. I was then essentially threatened that more negative credit reports would hit my account if I did not pay in full instantly, but that my credit and the account would be restored if I did pay in full. I of course paid in full the entire balance due from personal funds, at which point AMEX still kept the account closed and did not remove the negative credit hits on my report.
None of the above options really relate to my issue but here 's the issue I 'm having. I paid off a judgement about 6 months ago and satisfaction of judgement has not been recorded. I have repeatedly tried to contact Resurgent but can not get any response or copy of release.
I had an account with XXXX XXXX XXXX credit card that was paid in full prior to me filing chapter XXXX bankruptcy-XXXX balance. Since I had to file bankruptcy, this particular card was included in my bankruptcy petition with XXXX owing. However, the information that had already been reported was re-reported to Transunion and XXXX by this creditor in error. This information that was re-reported caused my credit score to take a huge dip of XXXX points! 
I contacted the creditor and they advised me that they reported a XXXX  balance account on XX/XX/XXXX and had no language that should have caused a dip in score. The credit bureaus advised that this is how it was reported, so I 'm at a loss! 
Also, the address on my credit reports isnt correct. My address is showing as:XXXX XXXX XXXX XXXX XXXX , MO XXXX on Transunion and showing as:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MO XXXX on XXXX-I have submitted documentation proving my address/idenity/etc, and to no avail, they wont update it! I was advised by XXXX to resend the info that I 've mailed and faxed previously.
I made a payment to my Care Credit account before the payment was due and before I received a statement. To date I still have not received a statement. The service was rendered XXXX/XXXX/XXXX. I set up an online payment account and made a payment of {$200.00} on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I logged into the Care Credit website to make an additional {$200.00} payment. I discovered the system showed a payment of {$25.00} due on XXXX. Care Credit had assessed a late fee of {$25.00}. I called customer service to ask how I could be assessed a late fee when I had made a payment of {$200.00} XXXX. I was told the {$200.00} was not within their payment cycle so it was not recognized. When I asked the customer service representative to explain why my XXXX/XXXX/XXXX payment was not recognized she became frustrated and hung up on me. I called back and spoke with a different representative and explained I just made an additional payment of {$200.00} ( {$400.00} since XXXX/XXXX/XXXX ) even though the minimum payment due was {$25.00}. I was told regardless of that payment, I would still be required to make an additional payment before XXXX XXXX or I would be assessed an additional late fee. This practice is onerous and predatory. I do not understand how making a payment before it is due and for an amount greater than the required minimum could possibly be considered late and subject to a late fee. It would seem to me that any payment made within a cycle would be recognized. I can afford to pay this account in advance but many can only make the minimum payments when due. I ca n't help but wonder how many consumers are being charged these fees despite their responsible attempt to make payments as required. This is awful.
CRA VIOLATION/ NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFTBREPORT # XXXX
This is an addendum to my previously submitted complaint case # XXXX. I have recently pulled all XXXX of my credit reports and found that ALLY has reported my payments 30 days late for the past 6 months, including the month of XXXX 2017, which is incorrect and literally impossible being that it is XXXX/XXXX/17. Once again, when logging on to my on-line account portal my account shows being paid. 
This has negatively affected my credit score to a point that it is irrepairable at this point.
I have a a unverified accounts from XXXX XXXX & XXXX BAL {$300.00}, XXXX {$260.00}. I had previously disputed this account. I have never done business with these XXXX companies Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt they purport I owe. I request that these companies Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that these companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I recently opened an account with M & T bank, and I was excited to join their family, but I recently called to get help with fraud transactions of almost {$500.00}. My debit card got stolen and my cell phone at work. They must of got my pin from when I took out cash at an atm and saw what I punched in on the keypad. Its sad when you ca n't even trust your co workers, and at that your bank to help you with this and get all this money back. They treated me nasty over the phone, and gave me no help M & T bank. Horrible customer service so far! Please help.
On XX/XX/XXXX I noticed on XXXX XXXX that Amex had reported my closed account as being late. That same day I contacted Amex and I asked for an explanation and I was told there was a {$1.00} balance on my account which I did not know since I never received my final bill. The agent apologized and stated that Amex would re-age my account and forgive the balance and it would be corrected on my credit reports. 

On XX/XX/XXXX I contacted Amex again since my reports still showed the negative information and was told it was still being worked on and I should wait for 1 to 2 billing cycles. 

To this day the account is still reporting to the credit bureaus as 30 days past due.