WillisBack/dataset-financial-user-claim huggingface dataset:
Experian credit reporting company has re-inserted an account ( XXXX ) with incorrect information on my credit report. This credit account was showing as paid as agreed but listed in accounts that are potentially negative. ( which is incorrect ) this account should be showing as accounts that are in good standing. Today I checked my credit report as I monitor it very frequently and noticed that they re-inserted a 30 late payment in XXXX/XXXX/2016. This account was never paid late. This information is Incorrect and is affecting my credit score in a negative way. I am submitting this complaint because I have been waiting patiently as told for them to update my credit reports. Now I see this information is being reported. This account ( XXXX and XXXX ) which are both held by XXXX should be showing in accounts that are satisfactory and in good standing. They are reporting paid as agreed but listed under potentially negative account. This is ridicilious and I am very close to seeking legal advise in pursant to sueing the credit reporting agency 's along with the credit card companies who are reporting this incorrect information.
This correspondence is in response to my request for a courtesy/good-will credit retraction and the response I received on XXXX XXXX, XXXX. In the letter I was told that such late payments on credit reports could not be removed due to regulations promulgated by the FCRA. Contrary to these assertions, by failing to update previously reported information, XXXX XXXX XXXX is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). Here is a link to the FTC advisory opinion I am referring to in the rest of this letter. https : //www.ftc.gov/policy/advisory-opinions/advisory-opinion-harris-03-22-99 The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA XXXX such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. 
XXXX XXXX XXXX representatives told me that because the XXXX  payments were accurately reported in XXXX and XXXX of XXXX and that XXXX XXXX XXXX will not update this information. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. *
I got a email from a collection company. so I call to let them know that it was my ex husband not me. so the det compny proceeded to tell me I owe this debt because I was his wife. I said nope ex-wife. XXXX proceed to tell me I was going to pay this bill or I would have to go to court.
I have five loans with Navient ( formally XXXX XXXX ). I wanted to pay more than the minimum payment and apply it to the loan with the highest interest rate, pay it off first. I was told twice by a customer service representative that I was unable to do so I have to pay the oldest loan first ( which has the lowest interest rate ). I accepted this and moved on. I have been researching recently ways to pay down my debt faster and found that I was given false information from my student loan provider. I have extraordinarily high interest rates on these loans. I am not on a payment plan I pay full principle and interest. I simply need to make progress on these high interest rates. The amount that gets applied to my principle keeps decreasing while interest is increasing. I don't agree with this either. I think my payments are being applied incorrectly. I had a loan for {$1500.00} in XX/XX/XXXX and I still owe {$1100.00} I started paying this ins XX/XX/XXXX. By my calculations, this should be paid off in XX/XX/XXXX, but they are stating XX/XX/XXXX. Something isn't right. I am not making any progress on my payments because of the incorrect allocation of payments and the incorrect information I received. 

Also, my payment per month is steadily increasing as well while I am still paying more interest.
I recently filed a complaint with the CFPB about a fraudulent account that was being reported on my credit reports for XXXX and XXXX, which they have actually removed. However, a residual issue exists with that complaint. 1. XXXX has not readjusted my credit score from when the account was reported on my XXXX credit report, which the day before the fraudulent account was placed on my credit report, my XXXX  score was XXXX. After the fraudulent account was placed on my XXXX credit report, my score dropped 33 points. XXXX has removed the fraudulent account, but my score still remains at XXXX. 2. XXXX has not readjusted my credit score from when the account was reported on my XXXX  credit report, which the day before the fraudulent account was placed on my credit report, my XXXX  score was XXXX. After the fraudulent account was placed on my XXXX credit report, my score dropped 27 points. XXXX has removed the fraudulent account, but my score still remains at XXXX. 3. Transunion never reported the fraudulent account on my Transunion credit report, HOWEVER, Transunion adjusted my credit score with them based on XXXX and XXXX reporting a 'new collection/major derogatory account '. Consequently, my credit score with Transunion dropped from XXXX to XXXX. ***Seems something inherently wrong with Transunion dropping my credit score with them based not on what was being reported on my Transunion credit report but rather what was being reported by the other two reporting agencies****. Regardless, neither XXXX, XXXX or Transunion have re-adjusted my credit scores to reflect that the fraudulent account was removed, which is resulting in higher interest rates for car and personal loans.
I have repeatedly asked them to stop calling. Unfortunately they will not listen and keep asking me to make payments on something I do not owe. 

I understand these companies purchase debts from financial institutions and do not know the full story behind why the previous company never collected, simply it is illegal how they obtained a balance and therefore will never try to collect the debt themselves due to the banking industry being hit with multiple lawsuits for their schemes. 

I was too young at the time to understand exactly what they were doing and why it was wrong, but this is exactly why the CFPB came into existence to protect consumers from unlawful tactics and schemes. 

I am simply asking them to stop contacting me and they refuse.
When I applied for an auto loan the loan company took into account the outstanding VA Medical bills on my credit report that are not my responsibility to pay. Thus, discriminating against me as a XXXX veteran when they denied the loan.
SLS admitted 1n 2 separate correspondences that my payments are current ( XX/XX/XXXX and XX/XX/XXXX). The process to get them to admit their error has taken one year. On XX/XX/XXXX I  received my credit report and a delinquent status was noted for SLS, which is not true given the documentation received by SLS and the Colorado Attorney General. 

During XX/XX/XXXX, I have had to enlist the assistance of the GA Attorney Generals ' office ( # XXXX ) and CO Attorney Generals ' office along with cfpb ( case # 's XXXX, XXXX ). On XXXX/XXXX/XXXX I uploaded statements from SLS to XXXX disputing the delinquency. XXXX  stated they could not change the information without confirmation. 

I am demanding, because one year of errors is too much and should be reported to Regulators, that SLS update my credit report ( s ) to match the information provided in their letters on XX/XX/XXXX and XX/XX/XXXX.
I am disputing this amount because I have no knowledge of this debt. They removed it from my XXXX, but will not remove it from XXXX.
While checking my personal credit report, which I acquired from [ XXXX, XXXX, Equifax ], I noticed an inquiry made by : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX. on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX -XXXX, XXXX XXXX XXXX XXXX XXXX, SD XXXX  on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX -XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX. on XX/XX/XXXX I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity. Mail it to the address listed above. 1. ( a ) Verification.Your claim must be verified to prove the validity, by presenting the alleged obligation under oath or notary seal, and signed by an Officer of ( ), under penalty of perjury as to accord with impartiality honesty and integrity. 2. This is an un rebutted statement of facts.Your response is not required, however if you fail to rebut these statements within ( 5 ) daysthen it shall certify your consent, assent, and agreement to the statements as true, correct, complete, and not misleading. 3. Additionally all further communications to our office shall be made only by an Officer of ( ), signed in Ink, including the Title and Name of individual verifying the data and affirming its accuracy and authenticity. Please cease and desist all communications that are not signed in accordance with the provisions made herewith. The failure to do so constitutes a prejudice to my rights and is damaging to me. Therefore, should we continue to receive unsigned communication from your office, it shall constitute your agreement to compensate us for this predetermined sum of {$10000.00} per document. 4. Please be advised that if this debt isnt verified according to the Fair Debt Collections Act.You must delete this recording from my credit reports. As it is that I am willing to contact the Federal Trade Commission, Report you to Both The Council of Better Business Bureaus and Consumer Financial Protection Bureaus as I am very much inclined to file a lawsuit if this matter is not immediately resolved. If you can not provide me with proof that I authorized you to view my credit report then I am demanding that you contact the credit bureaus immediately and have them REMOVE/DELETE the unauthorized hard inquiry immediately. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests. Your failure to comply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of your willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees.
On or about XX/XX/XXXX, I became aware of a civil lawsuit filed against me by the office of XXXX XXXX XXXX XXXX  on behalf of XXXX XXXX for an alleged credit card debt that I owed. On XX/XX/XXXX I made the decision to file Chapter XXXX bankruptcy. On XX/XX/XXXX, I retained the law offices of XXXX as my bankruptcy attorney. On XX/XX/XXXX, I called XXXX, XXXXXXXX XXXX XXXX office at XXXX PST and spoke with XXXX . I informed her that I was filing bankruptcy and had retained XXXX and that any further communications with me would need to go through my attorney. Today, XX/XX/XXXX I came home from being out to find that the XXXX County Sheriffs department had left a card on my door advising they are attempting to serve me for the above civil case. This is a blantant disregard of my rights under the FDCPA as once they were notified I have an attorney, all communications should be through my attorney.
The Bank of America XXXX XXXX credit card lets you set up automatic payment for your credit card. They offer three options without explaining what exactly they do : Pay Minimum amount due, Pay the Amount due or Statement Balance. ( XXXX while listing 4 options explains each right next to the option, boa does not ) I understood the amount due to be the amount to pay the credit card bill each month ( and not get interest charges ), but apparently that was the statement balance. 

When I called to complain, I was told that the " amount due '' option was the minimum payment. It's lame to not explain that choosing an option will result in interest charges, especially when it says " the amount due ''. Secondly, why offer to different forms of minimum payment?!?!?! 

I have closed my credit card because I will not use Bank of America for these deceptive practices. 

To be clear, on my XXXX XXXX Credit Card there are three options : Minimum payment due, last statement balance in full or other amount ( you choose ). 

My XXXX Credit Card offers 4 options : minimum payment due, full statement balance, minimum payment + other amount, or other amount ( you specify ). 

Only Bank of America offers the weird " amount due '' option that results in interest charges and is actually just the minimum payment. It sounds like this is in keeping with the " deceptive '' business practices in general.
I sold some items on Paypal. They said money would be transferred to my checking account in one business day. Today is the third day, no money has reached my checking account. I phoned them they told me there was nothing they could do. I read our Paypal user agreement to them and they told me there was nothing they could do to release the funds at this time. Here is a copy of the user agreement : " We may delay a withdrawal, in certain situations, including if we need to confirm that the withdrawal has been authorized by you or if other payments to your PayPal account have been reversed ( for example, as a result of a chargeback, bank reversal or dispute by a buyer ). Additionally, if we place a limitation on your PayPal account while a withdrawal from your PayPal account is pending, you will have to reinitiate the withdrawal once the limitation has been lifted. '' None of the above circumstances relate to my situation in any sense.
My credit score was XXXX but I have apply for a car loan at XXXX deller and some else has been us my information to etame crited in my name and there are to things on that are not my and not responsible for that be long to my ex-wife is santander consomer and that won removed that and remove all inquire witch I have not apply for credit
Hello this information doesn't belong to me I never had a XXXX XXXX or XXXX card. please help me
As a result of the Equifax hack, my information has been disclosed improperly. I fear this will affect my ability to successfully apply for credit in the future and places me at higher risk for identity theft.
Got a copy of my credit report to purchase a home while I was looking over my report I noticed a bill that was sent to collections from where I was a victim XXXX XX/XX/2013 I reported the accident to the XXXX law firm where I had filed a lawsuit against the insurance company XXXX law firm was very well aware of all XXXX that I received treatment from the law firm charged 40 percent of the settlement money which I was not told up front on how much they would receive after being released from XXXX hospital that is when I contacted XXXX law firm they where responsible for handling all my bills which incurred from the accident the XXXX law firm recieved more money than I got from my settlement check which I finally got my part of the settlement check last month to make a long story short they did not pay my hospital bill XXXX in which I just found out about it XX/XX/XXXX from my credit report in the amount of XXXX dollars my attorney was responsible for taking all my XXXX bills that occurred XXXX an paying them from my settlement money why they were so eager to get 40 percent of my settlement money they did not pay the hospital that I recieved treatment from and by them not paying the hospital they sent the bill to collections in which it has caused me hardship by lowering my credit score in which I have been working hard to repaire since last year so by my attorney not paying that bill it lowered my credit score which caused me not being able to obtain a mortgage loan when I contacted the number I got off my credit report to find out why I owed XXXX that's when I was told who the company was an the date of treatment and what the reason for treatment was from so that's when I called the billing department XXXX with the account number I obtained from the collection agency am I explained to the lady in billing that I was not responsible for those charges that they put in collections she refused to finish hearing what I had to say an told me I am responsible so that's when I hung up an called the XXXX law firm to speak with either XXXX because they are the XXXX people that I had to stay calling about my case I only met with someone from the XXXX law firm XXXX an that's when they came to my house XXXX they only called me a total of XXXX times since XXXX any other time I always had to call them to check on the progress of my lawsuit an then when I called they where never available I usually had to wait 2 or 3 days to hear back from them an the longest I had to wait for a response was like a week and a half anyway I have a bill on my credit report and a lot of inquiries that I did not authorize on my credit report as well as XXXX addresses that I have never lived at and numerous phone numbers that is an was not used by me as a form of communication and I need to know how to let someone know that I have mis leading information on my credit report. Thank you for your time and patience.
Hello, I applied for a Loan with Avant Approx XX/XX/2018, it was for XXXX. Avant collected all of my Information, bank statements, Income Verification, Etc. I have used Avant previously with 2 different Loans totaling {$8700.00} and successfully paid back in less than a year on both loans, I have a 100 % excellent payback history with Avant. 

Avant Mis-Informed me about Reapplying & the affects to my Credit Report. 

My complaint is that after my loan application for {$10000.00} was denied, I called to Inquire, Avant Customer Service Reps told me that wait ( 30 )  days & apply again either by phone or log into my account & follow instructions on my account page, I did exactly what they told me to do BUT they MISLED me because when I logged into my account 30 days later, Avant sent me a text with another denial? I called inquiring about this text message of denial, The Customer Service Rep told me I applied for another loan too soon, I DID NOT apply again for another loan, all I did was Log into my account, NOW the CSR said I would have to wait another 30 days from XX/XX/XXXX. My Complaint is that Avant MISLED me to wait 30 days, Call Back or Log Into my Account 30 days after original application, I Followed their protocol & was MISLED again & denied to Apply within 30 days, which IMPACTS my credit score because I will now have another Hard Inquiry & I will possibly have a denial from another Loan Source
I have been victimized by my mortgage lender and as a result I am now facing foreclosure. I purchased my home in XXXX and was misled by the people at XXXX who talked me into a mortgage loan with an introductory interest rate of 9 % that would eventually adjust up and could go as high as 15.62 %. When it came time to adjust my payment went up almost {$400.00} a month but somehow I was able to hang on. I paid that outrageously high amount of interest for 6 years and eventually it was too much and I applied for a modification. I was grateful that I received a modification and my rate was lowered to 2 % in XXXX. I paid as agreed on this for over 2 years. 

However, my loan is now with DiTech and I am facing foreclosure. I work as an XXXX and I ran into some issues a couple of years ago with the company I was working for and I had to switch to a different company. As a result of this change, I lost out on a lot of income and was struggling financially. I missed my mortgage payments for a couple of months while I got back on my feet. I reached out to DiTech to make a payment and to see what could be done to get everything sorted out. I was shocked when they refused to accept my mortgage payment. I was even more shocked when they told me that they would not be able to offer or even consider any type of modification or repayment plan or anything because I already had a " good rate ''. They stated the only way I could fix this was to reinstate the entire delinquent amount, which was not possible at that time. However, I was only three months behind at that time and DiTech could have easily put me into some type of forbearance agreement or repayment plan instead of shutting the door on me. They also could have put the late payments back into the balance of the loan and just increased the term or something. Instead they refused to consider any options, refused to look at my current financial circumstances and decided to serve as judge, jury and executioner and move me straight into foreclosure. 

I know that the government programs allow consideration for a second modification if something bad happens to the homeowner. But DiTech is completely shutting the door on me. They merged with Greentree Mortgage and I know that this company received XXXX of dollars in bailout funds. After making all of this money from me with an outrageously high interest rate for so many years one would think DiTech would at least give me the time of day and the opportunity to resolve this matter. Instead they have harshly turned their back on me and I want to file a formal complaint against them.
There are late payment showing on my account. I have never received a notice that I am late nor have I receive a statement, via mail or electronically, showing my balance or when payments are due. I have contacted the company to have my on-line account activated but have not receive a response. I 've been told to contact several departments. I 've been paying over the required amount to have overage applied to principle balance and I should have paid it off. My credit report shows I have {$800.00} balance.
XX/XX/2018 Phoenix Financial Services inserted a medical account representing XXXX XXXX XXXX onto my credit file. This alleged account in the amount of XXXX is a result of identity theft and does not belong to me. Not only did Phoenix Financial insert this account they did not give me my right to dispute the validity of this account nor did they give me notice that they were inserting this account into my credit file. this account is damaging my credit file and it is not my account. Also this states it is medical I have did not business with XXXX XXXX emergency nor have I did business with Phoenix Financial, therefore, I have no obligations to pay either. Also being that this look as though it is a medical account I have never given either company rights to share any medical information, therefore, they would also be in violation of HIPPA. This account is indeed a result of identity theft and does not belong to me.