WillisBack/dataset-financial-user-claim huggingface dataset:
I XXXX XXXX states a complaint to the Consumer Financial Protection Bureau on a very poor reinvestigation by one of the largest credit reporting agencies. Even though I showed proof that a modification on my mortgage was approved several years ago as I was going through a divorce, the mortgage servicer maintains a continuous 180-day late payment history. The same credit rating states PAYS AS AGREED. This is highly discriminatory. I am a professional XXXX American woman and I find this type of credit reporting to be racially biased and I have XXXX chance of ever refinancing with this abusive rating process. All credit reporting agencies have a responsibility to maintain the strict standards of not only the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act, the Fair Debt Collection Practices Act, in addition to the high standards of equal rights protections such as the Equal Credit Opportunity Act. I believe that the Federal Trade Commission should have a full investigation on racial inequality when it comes to credit reporting processes and that all credit bureaus should maintain the sensitivity that is essential for fairness pertaining to matters of race. My previous complaint brought no action, even though the negative payment history must be deleted permanently. If I do not receive the proper reinvestigation by the credit bureau against XXXX, I will proceed a complaint with the attorney general of my state residency. This improper reporting process is causing me hard financial hardship that can only be understood by minorities such as myself trying to better their lives through education, and working several full time jobs and raise a family at the same time. My credit report needs to have the negative payment history purged permanently.
My credit reports were hit with collection accounts from Southwest Credit Services with out sending me any letters in the mail or any other communication attempts just as I am in the processes of closing on a mortgage for a newly constructed home in XXXX XXXX, MD. I located their contact information online after receiving an alert on my mobile credit monitoring service to be greeted by rude representatives who were n't even able to located any accounts for me when I gave them my social security number. They can now that I have given it to them, but could n't prior to my first call. I was transferred to their fraud department and was told that I would be mailed a fraud packet that needed to be completed and sent back, but nothing ever arrived in the mail. Also was told that the items would be removed from my credit during the investigation, but that never happened either. I stand to lose XXXX of dollars in a earnest money deposit over a {$250.00} collection account. What kind of country do we live in that something like this can happen?
Hard inquiry I did not authorize from SYNCB/ Lowes XXXX XXXX FL XXXX on XX/XX/2019. Initiated a XXXX XXXX dispute.
On XX/XX/XXXX my credit card was charged fraudulently and I submitted a dispute. My husband 's card was cancelled, the charge was never reversed and then interest was applied. 

Today I was told I had to pay it before it can be resolved and I said absolutely NOT. I then called back and resubmitted the dispute online - XX/XX/XXXX and told it would be resolved. 

Citibank is not a GOOD BANK!!
Argon credit Collections and XXXX have both told me several times this is not my account and I am not responsible for this accounts that they do not show me as respondib left party. My XXXX year old son is responsible for these that dental work was done on him.neither will remove me saying they do not have any info on me. The dental office tells me they informed argon on XXXX XXXX. NOON ONE WILL REMOVE THESE COLLECTIONS EMBEDDED AFTER TELLING ME THAT THIS WAS A MISTAKE ON THERE PART AND WAS A EMERGEMCY CONTACT NOT A RESPONSIBL PARTY. BUT THEY SAY THEY CAN NOT REMOVE THEM NOW BECAUSE THEY HAVEER NO INFORMATION AND I AM N O T ASSOCIATED WITH THE ACCOUNT. NO ONE WILL REMOVE BOTH OF THESE COLLECTIONS ACCOUNTS THAT THEY SAY ARE NOT MINE PLEASE HELP ME GET THIS MESS CORRECTED. A.S.A.P. I HAVE BEEN TRYING ON MY OWN. FOR OVER A YEAR
My brother passed away XX/XX/XXXX, of this year, the property at XXXX XXXX XXXX XXXX, XXXX , Ca was transferred to me by transfer of death deed legally. The property was sold in XXXX and the title company needed a pay off amount which Freedom Mortgage wouldn't give them until several phone calls were made. On XXXX XXXX I received an escrow refund check in my brother 's name which couldn't be cashed because my brother is deceased. I call Freedom and was told they would send to me by direct deposit which a week later didn't happen, then they told me a special check would be sent in a couple of weeks with my brothers name/successor, that didn't happen and then they told me they didn't have my address, I then talk to a supervisor name XXXX and he told my banking info and said it would either be direct deposited or a new check would be sent and if I didn't receive by XXXX XXXX to call him. I just got off the phone with him and he has no answer at this time and said he will call me by the end of his day with an answer.I also received a letter date XXXX XXXX stating that it was confirmed that I'm the owner of the property. XXXX
I received 5 phone calls from 5 different numbers within the past week, each one identified as " PORTFOLIO RECOVERY. '' I finally answered a call from XXXX, and the caller identified herself by name only. She asked to speak to " XXXX XXXX '' ( assumed spelling ). I replied by asking her who she represents and what was the nature of her call. She simply repeated her demand to speak to " XXXX XXXX, '' so I demanded that she remove this number from her call list and hung up. 

" XXXX XXXX '' has never been associated with my phone number, which I 've had for well over 10 years. 

The callers refusal to properly identify the business that she represents and the nature of her call is a violation of fair debt collection practices. Had the caller provided this information, I would have been forthcoming in my response, telling her that she must have the wrong number and asking her to remove my number from her business 's call list.
On my credit report there are 2 debts. I made contact with trans union in  XX/XX/XXXX to dispute various items from addresses and phone numbers including these charged debts. Both XX/XX/XXXX-XXXX XXXX {$2700.00} & XXXX XXXX {$320.00}. They mailed me an updated copy of my report XX/XX/XXXX with the debts still there. I did not complain assuming investigation pending. I called them XX/XX/XXXX because the reports are still on my credit. They were rude and show no record of the disputes. However they validate my contacts in XX/XX/XXXX. I wanted them to provide me with the information these creditors had on my identity so I could document for person use. They could not. I have made attempts in the past to contact the creditors and they also would not give me the requested information. Do I have rights? Fair credit act i think. I tried to excersise them and was redirected. I followed procedure its not my fault the emloyee did not. So I'm requesting FTC to step in. The collection agency reps are out of the USA and don't seem to care I wanted to exercise my FCRA rights as I clearly requested to do so via conversation.
XXXX XXXX  decided on there own to keep an inactive checking account open for years. I never made any use of the account for years. XXXX XXXX XXXX recently reported to the credit bureaus that I failed to pay them {$77.00} seventy seven dollars as an attack to decrease my credit scores. I never owed XXXX XXXX XXXX XXXX {$77.00} seventy seven dollars which is used as a personal message to attack me because my birth year is XX/XX/XXXX. This account was never in use since XX/XX/2014.
JP MORGAN CHASE Falsified documents sent foreclosure notices before I was even behind on payments. I contacted them repeatedly to get an accounting of the mortgage they sent modifications and proceeded with a foreclosure stating they complied with the RPAPL was sent before I was even behind in payments this is where the confusion started. In the 4yrs before the sale I repeatedly tried to work with JP Morgan Chase but the stated repeatedly they sent documentation and modifications which were returned but they claimed not to have received. 
They then stated they were no longer the servicer that we had to contact the new servicer. Yet the foreclosure documents only listed JP Morgan Chase and upon JP Morgan Chase own admission in a letter they had an interest in my home until XX/XX/XXXX 

They pushed for the foreclosure claiming they were not dual tracking when in fact they were since they had interest until XX/XX/XXXX. They held interest in my home until they knew they would be able to obtain it for {$500.00} WHICH IS WHAT THE REFEREE SOLD IT TO THEM FOR. 

No one addresses this fact?? That JP Morgan Chase received Billions of dollars to help with the mortgage fraud MY TAX DOLLARS so they can turn around and purchase my home for {$500.00}. JP Morgan Chase did not even have the original mortgage papers when I requested them, all they have are copies from XXXX County Court. 

JP Morgan Chase and their attorney 's swear to the accuracy of the documents which contain many inaccuracies. I have found that JP Morgan Chase with the help of XXXX XXXX and XXXX has done this to many people. 

I have attached a payment schedule where you can see XX/XX/XXXX payment was made in XX/XX/XXXX and they put it in suspense so they could begin foreclosure I am in the process of contacting every JP Morgan Chase foreclosure customer in XXXX County for the past 6yrs to  obtain the proof of the widespread consistent fraud they have perpertrated and how many homes they have STOLEN FOR {$50000.00}. Once I am done with XXXX County I am going to contact people in the 5 boroughs and numerous other counties in New York. 

Since I am being EVICTED from my home on XX/XX/XXXX due to this fraud I will have nothing but time to research this consistent fraud.
I sent North Shore Agency a letter from my bank, XXXX XXXX XXXX for proof of payment for the debt of {$270.00} owed to XXXX XXXX. North Shore Agency has not reported the information to XXXX XXXX, so XXXX XXXX can credit my account as paid.
Credit report states negative items due to credit inquiry. No credit inquiries are listed. Credit report states 21 % of credit is being used. This is incorrect. 
This changed my credit by 50 points, knocking it down a full level. All the errors are inside the actual credit bureaus, as their report do not actually have any details to confirm their supposed negative items. Their error-correcting webpages don't seem to have a way to correct ghost errors.
I reached out to Navient when I first started to pay my loans back trying to get them lowered for a short time while finding my first job out of College. They basically told me I was out of luck nothing they can or would do other than forebearance.
My wife and I bought a home in XX/XX/2017. When we closed on the property taxes were taken out and prorated for the upcoming year. However, the mortgage company raised out mortgage and collected for 2 years of taxes and increased our mortgage by over 1000k dollars making the home unaffordable for us. I have tried speaking with them and every time I speak with them I get a different answer. I'm looking for them to honor the agreement we had in place. to raise our mortgage payment by 1000 dollars unexpectedly puts us in a financial bond.
My information has been breached by the XXXX breach, Target information breach and I have a history of Identity Theft. Multiple inquiries on my report have no permissible purpose and don't look familiar at all. Most of the inquiries listed I have never done business with these companies nor applied for credit through these companies. I have contacted creditors of Inquiries on my credit report and they all say to go to the credit bureau. I have contacted TransUnion via Certified Mail on XX/XX/2017 and got no response back. A representative of TransUnion signed off and picked up the Certified Mail on this date. I have attached proof of this certified mailing. I have also attached the police report and FTC Identity Theft report that shows I reported multiple inquiries showing on my credit history I didn't authorize.
A company named XXXX has accused me of owing {$210.00} for a product I return within 60 days, which a customer service representative told me I could if I was not 100 % satisfied. They said I ordered it on XX/XX/2016 and I returned it on XX/XX/2016. However, they threatened to report it to the credit bureaus. 























































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I am concerned that Chase charged me trailing interest/ Residual interest on a balance that I paid in full. 
I usually pay in full but noticed they have been charging me this type of interest often even when the balance has been paid in full.
On XX/XX/2018 I received a {$300.00} payday advance from mypaydayloan.com with the understanding due to language on their very site that, I would then be responsible for {$390.00} upon repayment. The loan was set up in a way to deduct {$90.00} directly from my checking account bi-weekly until the loan was repaid. There have been a total of 5 {$90.00} payments taken from my account for a total of {$450.00}, which in my estimate is {$60.00} too much. I called their customer service line today and was told that because I did not pay the debt in full with one payment, that I would continue to be charged the {$90.00} bi weekly fee. I asked how that was even legal to do because not only had I repaid the initial loan with interest, but overpaid as well, and the man on the phone confusingly kept telling me that this was NOT a payday advance and that was the reason for the continuing withdrawals from my account. I'm sorry, but there is no way that this is can be legal. I am obviously not in a good place financially to begin with and there is no way I can afford to give them the extra {$60.00} they have taken or the countless more {$90.00} they intend to take. Please help me.
I received a notice and phone calls about a delinquent XX/XX/XXXX student loan payment from Navient. Then received a notice from my bank about being charged a {$25.00} fee for insufficient funds. On XX/XX/XXXX, I logged into my account on the Navient website and selected the Autopay tab. Under that tab, it offers the option to add another bank. I added a new bank, and attempted to delete the old account, but deleting the old bank account was not an option. The Navient website prompted me to select the bank account that was to be used for " future payments. '' I selected the new bank account and confirmed that it was the account that would be used. Fast forward to XX/XX/XXXX and I received two notices by mail from my old bank for {$25.00} each for insufficient funds due to Navient attempting to pull my XX/XX/XXXX payment from my old account. On XX/XX/XXXX, I both log into my Navient account and call Navient, to make a payment, inquire about how to get them to auto debit the appropriate account, and request a refund. The Navient customer service rep tells me there 's an additional step that needed to occur to remove my old bank and add the new bank for auto debit. I explain to her that during my first attempt to correct the situation on XX/XX/XXXX, that was not clearly posted anywhere on the website, and that due to the instructions given by the site I was lead to believe that I had done all that was needed to keep my account current. I requested the refund for the {$50.00} I had incurred in insufficient fund fees from my old bank and was placed on hold several times for her to confer with her manager. When she finally returned, I was told that my request for the refund had been denied. I asked to speak with a supervisor and again was placed on hold multiple times while the rep attempted to find a supervisor. When I finally spoke with a supervisor I was informed that they did not believe that Navient had committed a servicing error and that he did not have the authority to authorize a refund. I asked if I could speak with someone who did have the authority and he stated I could upload my bank documents and the processing team would assess the situation to determine if they would grant a refund. I stated that the bank documents only demonstrate that I was charged fees and do n't offer any explanation for the website being misleading. He stated he would make a note in my account of the situation. I stated that I did n't believe that to be a fair or accurate account due to him not believing my account of the situation. He again stated he believed that it was unclear as to what bank account was being pulled from, but that it was n't a Navient servicing error. I asked again for a direct contact on the processing team so that I could give my account of the situation and he only gave the general mailing address and fax number. I expressed my disappointment and the inconvenience at losing the {$50.00} fee and was told that if the processing team decided to grant my request that it would take at least 10 days before they reviewed my claim, and then 6-8 weeks if I was granted the refund.
Trans Union credit bureau is still listing an outdated " hard '' credit inquiry on my credit report. The inquiry is dated XX/XX/2016 and is over 2 years old. The company that made the inquiry is XXXX XXXX XXXX XXXX. 

I have contacted both Trans Union and XXXX XXXX, to have them delete this inquiry from my credit file, with no success. 

The FCRA, or Fair Credit Reporting Act, passed by Congress, mandates that any " hard '' credit inquiry that is 2 years old or older, must be removed from a consumer 's credit file immediately.
This company added to credit report XXXX/XXXX/2016 and shows placed for collection on XXXX/XXXX/16. I have also never heard from this company and when I tried to contact them I have not heard anything back. I have never received any correspondent from this company to know I had a debt with them. I filed bankruptcy with XXXX and not this debt collector because I did not know anything about them.
We were scammed by someone posing as a loan officer from XXXX XXXX and promised us {$20000.00} if we verified funds by sending money to someone by XXXX XXXX. The guy told us that it was just a verification process and once it was done we would have {$20000.00} in our account as a loan. Gave us prepayment terms and all. A mobile check deposit to our bank of america account of XXXX was done on XX/XX/XXXX. On XX/XX/XXXX we sent XXXX to a XXXX XXXX plus XXXX XXXX fee Total {$680.00} no out of pocket money as we thought at the time. Once we done what they asked, they then said we had to pay a out of state tax fee of {$200.00}. I refuse and that is when we realize this was a scam. We contacted the FBI on XX/XX/XXXX filed a report with them and they told us to contact Consumer Protection Bureau ( consumer finance ) and also do a report with IC3.gov. We just learned today XX/XX/XXXX that the check was returned and it was a United State Government check done by Mobile deposit and the bank has returned it causing our account to be seriously overdrawn. The mobile deposit was done by a out of town cellphone that is not ours. I have {$2.00} to my name. Contacted Bank of America Fraud Dept and was told there was nothing they could do to recover the money so we basically have to eat the cost because we withdrew the money and gave the scammers access to our account. I explained only to do a verification and at the time we did n't know ... .had no idea it was a scam. The FBI agent told us this is a well known scam and they are investigating this. But I live paycheck to paycheck and ca n't afford to eat {$680.00} cost and now we have no idea how we go make it to work with no funds because the return of the {$680.00} check ate up what money we did have in our account to make it to our next pay period. We have been scammed and are the victims in this matter and we should not have to pay for fraudulent activities from heartless and cruel people in this world taking advantage of people in need of money but took money from us.
ZWICKER AND ASSOCIATES HAVE LIENED MY PROPERTY FOR {$50000.00} FOR THE DEBT THAT BELONGED TO MY EX-SPOUSE. I ATTEMPTED TO CONTACT THEM TO REQUEST A LIEN RELEASE BECAUSE THIS WAS NOT MY JUDGEMENT AND WAS NOT MY LIEN AND WAS NOT MY CREDIT CARD IN FIRST PLACE BUT ZWICKER AND ASSOCIATES ASKED FOR MY PERSONAL INFORMATION SAID THEY WOULD RELEASE THE LIEN INSTEAD THEY NOW CALLING ME THREATENING TO ARREST AND GARNISH WAGES IF I DON'T PAY THIS JUDGMENT FROM XX/XX/2011 THAT BELONGS TO MY EX- WHO IS NOT ON MY PRORTY. I SENT THEM SEVERAL LETTERS SINCE XX/XX/XXXX OF LAST YEAR WITH NO RESPONCE FROM THEM. NOW THEY ARE CALLING MY WORK IT IS EBARACING BUT THEY ARE LEAVING MESSAGES WITH RECEPTION SAING THAT I HAVE A WARRANT OR SOMEONE WILL ARREST ME IF THIS IS NOT PAID. HOW IS THIS OK .... THIS IS NOT A LEGAL LIEN AND SHOULD NOT HAVE BEEN ALLOWED TO BE LIEND ON MY HOME PLEASE HELP HELP HELP
Wells Fargo Auto finance Direct received and insurance settlement from XXXX XXXX and took possession of a vehicle I had financed through WFF. WFF has reported a sum of {$7200.00} as charge off for the past several years, after receiving a settlement from my insurance and re-sale of the vehicle. WFF is now retaliating by putting the account back up for collection, because I have been disputing the charge off status. WFF is effecting me financial with their harassment, because I ca n't finance a vehicle for an affordable interest rate.
NCB Management has been reporting a debt on my credit report. I have yet to receive one  notice from them in regards to the debt at my address. This also means that I was not afforded the opportunity to dispute the debt prior to them reporting it my credit reports. I received a notice today  XXXX / XXXX /  XXXX   that they received my dispute but there was no information to validate their letter. This is the first notice from the company to my address, never received phone calls in regards to the matter either. According to my credit report they are have been repeating the report to keep it fresh so that it starts the " credit clock '' over which i 'm sure is also illegal. Not to mention I got a notification within the last day or so that a " NEW '' debt was reporting to my credit and once again I was n't notified.
A relative who lived in California recently passed away, and had a Wells Fargo safe deposit box. During a visit to California to spread the cremated remains and attend to the tangible property of the estate, I appeared at the Wells Fargo branch with the box key and proof that I have legal authority to close the box. They would not let me do so because less than 40 days had elapsed since the death. However the manager opened the box, which was empty, and completed an inventory form that stated so. After more than 40 days had elapsed, I sent by certified mail a letter to Wells Fargo that stated that the box will not be renewed and offered options for how I could return the key to Wells Fargo. Despite confirmed receipt of the letter, Wells Fargo continues to send bills, now with a late fee, to a dead person for a service that has been cancelled in writing.
There was a charge from XXXX for XXXX $ that I did not authorize. I disputed the charge with in minutes of the transaction, but American express did not research the transaction and awarded the company my money, even though it was against my will. 6 months later they have refused to address the issue, and now that it 6 months later, they refuse to re investigate it. I have contacted them every month, if not more to keep up with the charge. Every time they promise to contact dispute resolution, and have the issue rectified. Every time I call back, they say the previous action did not occur. They have aided this unauthorized charge.And at this point, I consider it aiding in theft. Every time I call I 'm on the phone for more than an hour.