WillisBack/dataset-financial-user-claim huggingface dataset:
I sent a written request to XXXX to do the following with reference to a debt that appear on my credit report. I asked that you Asked that this debt be validated with a written contract that has my original signature. 

Verify that the first day of delinquency occurred within the last 7 years Neither of these things occurred, and you continue to report to my credit an unverified item which is illegal.
I 've been working to pay off my student loans over the last two months and twice I submitted payments that were applied incorrectly and on XXXX of the payments they tried to short me {$1000.00}. They were unreceptive to my complaints regarding the incorrect payments both times and even though I followed the website 's instructions to the letter, they still applied the payments incorrectly. I read in the XXXX about the lawsuit regarding Navient and I wanted to ensure my complaint was lodged.
Experian Credit reporting agency signed me up for for " credit monitoring '' without my consent then refused to refund the charge. The business model they have employed does not rely on selling a service, it relies on consumer not reading the tiny declaimer at the bottom of a web site that that you think is verifying identity, but unknown to the consumer they are being " subscribed ''. This may or may not be Fraudulent by the letter of the law but is CERTAINLY fraudulent by the spirit of the law.
Hello, I have been disputing a XXXX XXXX with Equifax for some time now. This account is past the statute of limitations for California ( 7 years from DLA, which is XX/XX/XXXX ) XXXX and XXXX have followed the FCRA and removed the account but Equifax refuses. I spent over 1 hour on hold to be told they could do nothing more then dispute it which I have done 10+ times over the last 2 years. XXXX is violating the law by updating the DLA to XX/XX/XXXX, which is incorrect as I have had zero communication with this company since XX/XX/XXXX. Equifax tells me that they can only go by whats reporting and Porsche is not violating any laws by doing so. I have applied for a home loan and was denied do to the XXXX account and the XXXX balance owed. Please help me rectify this situation as they are clearly breaking the law.
My name is XXXX XXXX. I am being victim of banking fraud for mortgage since XXXX. My house is in foreclosure and I have applied for loan modification. Lender did not want to help us with affordable payment and we decided to exist the house by doing short sale since they told us they stopped sale date only with short sale application. However, they dont even want to help and lied to us about short sale. We have short sale package and offer is pending review. However, they dont want to stop the sale and counter offer with ridiculous. I believe that California Homeowner Bill of Right Effective XX/XX/XXXX, it added for avoiding dual tracking during short sale or review alternative options. All we need to be fair with us for any decision. They dont approve loan modification nor give us options to exist in peace. We are all retired and old and need peace in mind to exist our house. We want to continue the short sale and they must give us time and effort to help not just want to foreclose. We have spent time to explain that we dont want to foreclose because we need to look for another place to rent. With foreclosure record, it would be tough and hard for us to find replacement house due to foreclosure. Please help us
After looking through my credit report, I had sent over information in regards to getting my credit report fixed as there were a number of inaccuracies. 

I have a very common name and when I asked for verification of the debts from the bureaus none gave me the information ive requested. I specifically asked for the names of the people that verified these debts with and they have never given me that information or responded. This has almost irreparably harmed my ability to apply or receive any loans and veteran benefits like a VA Home loan that will allow me to provide a roof over my families head. 

These companies have had all types of security issues among other issues and this continously affects others that rely on these services I just want some resolultion and I need to get these issues solved.
XXXX XXXX XXXX placed an account from XXXX on all three of my credit reports. I have no knowledge of this debt and they failed to send me anything in the mail to give me a chance to dispute or validate the debt. The last 4 of my social are XXXX  to help locate me in the system
I received a phone call from  Miller Stark Klein and Associates . A representative by the name of  XXXX  contacted me about a charged off account  for   XXXX   XXXX   auto  loan. He informed me of the debt owe and gave me options to pay  XXXX  lump sum or set up a payment plan. As I tried to get more information about the payment, the representative became very rude and aggressive ; which resulted in him disconnecting the call. I contacted the number and requested to speak with a supervisor. I spoke with  XXXX   XXXX  and she listened to the call. After assuring me the employee will be " dealt '' with, she proceeded to offer a lesser amount towards the debt owed. I agreed to pay the amount, in good faith and in hopes of not getting sued, fined or prosecuted. Weeks later, I began getting calls from another company stating they are calling to collect a debt for the same charged off account. I began to do my research because things seemed a bit odd and I find out  Miller Stark Klein  had no legal rights to my account. This has caused majo  XXXX   XXXX   because I 've had to go back and forth with companies about who 's the actual debt collector ; and I had to file a dispute with my bank. This company is using scare tactics to retrieve money on charged off accounts from   XXXX   XXXX   XXXX
Notified Diversified Consultants on XXXX-XXXX-2017 that negative item was placed on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 (A)(7). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Requested Diversified Consultants to remove incorrect information off my credit report. More importantly, Diversified Consultants are in violation of FACTA  section 623 (A)(7). Never received any mail from Diversified Consultants.
I went into a debt collection program in XXXX and had settled all my obligations by XXXX. I am trying to refinance my mortgage to gain a lower rate. On my recent credit report the bank noticed that I have a judgment issued on XXXX/XXXX/XXXX from my Discover card. On page XXXX of the credit report it states that there was a settlement. Payment was made and the account was closed. I need help removing the judgment from my credit report as it is no longer active. Thanks. XXXX XXXX
In XXXX XXXX, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX points in exchange for opening a CitiGold account, scheduling two bill payments, and spending {$1000.00} from the newly opened account. 

After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 

On XXXX XXXX, XXXX, I confirmed with Citi that I fulfilled all terms of the offer and to expect my bonus on or before XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, I did not receive my bonus points as promised. I called in promising a response in 24 hours. I did not get a response. 

On XXXX XXXX, XXXX, I sent a secure message on Citibank 's website and was told by XXXX XXXX that an investigation is underway with no timeframe to when it would resolved.
I was issued a citi prepaid card by the XXXX to remit my tax return. When I registered the card no details are provided on ACH fees - or any fees even as the user agreement forces agreement to the fees. The disclosure indicated a link to said fees would be provided but none was. I searched the site and elsewhere online thoroughly and found none. I called the customer service line and no option to speak with a customer service representative was provided, only limited automated service. Considering this is my money provided in a format I did n't approve, at least I could be provided clear terms and adequate service given Citi is earning returns on my float and potentially vendors where I will be forced to use the card as direct transfer to my bank account has unclear financial fees. I 'm highly irritated and should be able to access my own funds more easily.
They changed my due date when I was doubling my payments so that I was paying more interest than I should. They also would n't allow me to pay off my loans as i wanted. I was paying XXXX loans separately and when I paying one down quicker, they combined them and said that I could no longer pay separately. When I challenged them on it, they said that i could only dictate payments by calling after I had made payments. when I told them why they could n't take payments over the phone with my instructions they said that would cost money. When I asked about just sending payments with instructions on my check they said that I would have to write it on a separate piece of paper. My frustrations really mounted when I realized that I was paying more in interest than in principal even though I was paying {$100.00} extra per month.
I got a notice thru XXXX that I had opened a credit card XXXX XXXX with a limit of {$3000.00} and a 0 % utilization as of XX/XX/2016 and the card was supposedly issued on XXXX XXXX, 2016. I have not applied for any credit cards from XXXX and am not pleased that it has showed up on my Transunion and XXXX reports. Can you please investigate for me?
On XX/XX/XXXX I filed a proper dispute on an unknown medical account with Experian. On XXXX/XXXX/2015 I received a response to my dispute stating that they will not re-investigate the dispute because it was previously disputed in XX/XX/XXXX, more than two years prior. I then contacted the reporting collection agency with a dispute and request for validation on this unknown medical account as per instructions from Experian, re-disputed to Experian with a copy of my dispute/validation letter to the collection agency, along with proof of the agency 's receipt of the dispute. Experian 's refusal to properly investigate the dispute is a violation of the FCRA and FACTA. Experian is the only credit reporting agency that is erroneously reporting this account on my reports
Hi, I received a letter from SKO BRANNIER AMERICAN XXXX XXXX ) regarding a medical bill due from XXXX XXXX XXXX XXXX in XXXX XXXX, CA. This letter states failure to respond, yet they did not have my apt # on this letter, i was given this letter from my neighbor. How can i respond if they do n't have my full address? I have sent letters to XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a balance of {$580.00} they say that i owe them .... They dont respond and make me wait on hold when i call them ... They are quick to overcharge the patient and refund after the fact, as this occurred often. My Doctor left XXXX in XXXX of XXXX and i followed him to his new office, i actually had a balance of over payment ... they are notorious for over charging their patients, but i paid as i needed medical attention so i did n't question it. XXXX mailed me a check in XXXX of XXXX for approx {$300.00}. and then a year later, i am getting bills saying that i owe them {$580.00}, yet no back up they can provide and fast forward to XXXX - i am now getting a letter from this bill collector in New York. How do i go about this problem and get this resolved. I 'm going send another letter to XXXX and now the bill collectors, yet i feel this is so wrong and need an advocate as i get too emotionally wrapped up over the phone and feel they will ding by credit. Apologies for the sound bites of information- happy to provide more details. Thanks in advance for your help / assistance, much appreciated. XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX
I have a state of Georgia tax lien on my credit report that has met the statue of limitation. XXXX and XXXX have both removed the lien, however, TransUnion refuses to do so. I made the dispute with TransUnion on XXXX/XXXX/XXXX and they sent me an updated report dated XXXX/XXXX/XXXX stating that the account it is " verified as accurate '' It was added to my report on XXXX/XXXX/XXXX and according the state of Georgia " State tax liens must be filed within seven years of the assessment date of the tax liability. Once the Department files a lien, the Department has seven years from the date the lien was recorded to collect the liability. A tax lien may be renewed for another seven-year period by re-recording the lien prior to the expiration of the previous seven-year period ''. 
I spoke with a representative for the state who informed me that they do not report to the credit bureaus that XXXX XXXX does and my file with XXXX XXXX has been frozen and suppressed.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX XX/XX/XXXX Wells Fargo Bank, XXXX XXXX XXXX, XXXX XXXX, IA XXXX RE : Personal Line of Credit Account # XXXX I am Wells Fargo Customer since 2008 and I am maintain may checking, Saving, Credit card and Personal Line of Credit good standing Today I found out your bank closed my account without informing me. I am so disappointed. 
Please explain to me why is my account has been closed and please reconsider to reinstated due to 9 years relationship with your bank. 
More information call me on ( XXXX ) XXXX Thanks XXXX XXXX XXXX
XXXX XXXX XXXX XXXX Is reporting to my credit report false information and Credit Agency XXXX | Experian have removed my real account. 
False Account Reported is # XXXX $ XXXX collection or deliquent, My real Account which was deleted is # XXXX $ XXXX paid off in good standing, they deleted my account and left the # XXXX on my file. Please have this report removed immediatly from XXXX and Experian, they are in violation and defamation of my credit rights.
1. Incorrect information disclosed upon transfer of mortgage servicing required under RESPA. Incorrect " new '' account number and mailing address for payments. 
2. Payment processing issues - Have n't " found '' my original payment XXXX/XXXX/XXXX and posted someone else 's payment to my account in XXXX XXXX, which was subsequently, and correctly reversed. 
3. Terrible customer service, I can not get anyone to to find and post my first payment upon transfer, so I made a double payment. Phone calls get dropped, and if XXXX is supposed to be my Single Point of Contact ( SPOC ), it is not working. 
These are all the same issues that were identified in the interagency mortgage foreclosure horizontal reviews, and keep impacting the industry. I am also filing complaints with XXXX ( the investor ), XXXX XXXX ( mortgage originator ) and the OCC who supervises XXXX. These interested parties need to know about this as perhaps the due diligence has failed. 

On XXXX, I correctly received notice of transfer for seller ; On XXXX/XXXX/XXXX, I received notice of transfer from Shellpoint. I immediately set up automatic payments, starting with XXXX XXXX, to the address provided on the servicing statement with the new account number. Thought I was done. 
Received a call on somewhere between XXXX and XXXX, they had not received may payment. I explained I had paid to the XXXX XXXX with this account number. I was told that is n't my account number. She talked to supervisor and said they would ultimately find my payment in XXXX, but I offered to make another payment. Then, when they find it, I am good for XXXX and XXXX payment. XXXX rolls around, not resolved, so I make another payment. To be honest, I was so frustrated I do n't know what they said. Then XXXX rolls around, I see a payment was posted ( oh, they finally found it ), but then it was reversed. I contact them on XXXX XXXX in the morning, explain again, ask if they found my payment and why reversed. Agent could n't understand why, no notes, puts me on hold to talk to her supervisor, for like 10 minutes. Comes back, can not determine, will have to call me back. 
XXXX XXXX, late afternoon, call again. Of course call was dropped. When i talked to agent she said someone else 's payment had been posted to my account ( from a XXXX XXXX checking account ), so it was reversed. They never called me. I finally hung up and made another payment for XXXX. 

I happen to know this industry quite well, previous regulator. I gave them a chance before filing this complaint. Ask them for the recorded phone calls. If you have n't, I would check their tires on mortgage servicing transfers, payment processing, their suspense account and SPOC. What are the odds that this is happening to an ex regulator? I 'm financially savvy and able to extra payments, even considering paying the dang thing off as I did n't get to " pick '' my servicer, it was chosen for me. What about consumers that are n't financially savvy ( many ) and consumers who ca n't make extra payments until they find a payment. Help Them. I can take care of myself, but I feel for what they must do, and that is CFPB 's role, not to let someone get caught in this.
I am being contacted by Western who represents XXXX XXXX XXXX. They Have placed a complaint against me for a electronic check stating they never received the funds of {$400.00}. They have a Specific IP address, with my Email, bank account ending in a different number and, Address. 
They wont disclose the dates. I can tell you that during that Time I did n't have a Bank account ending in XXXX, my bank account ends in specific numbers that I can prove while I was living at that address. Also that Email they had was never used because I canceled their service after one week due to billing issues. I have no way to pull that account up because I did n't have that long enough to prove it. Being a XXXX veteran I do n't need this harassment, I have seen this Company XXXX XXXX XXXX with numerous complaints for fraud against payday loans stating people took them out when they did n't just to get money from them. They are the ones that stole my information, it is obvious.
JP Morgan Chase is fraudulently misreporting account information on my credit reports. 
The account has been CLOSED since XXXX and was reporting as PAYING AS AGREED-ACCOUNT STATUS 01. However, I disputed three late payments because I never paid this account late prior to it being paid off. As a part of my dispute, I requested copies of all documentation related to this account to determine the purported late payments. No documentation was provided which is a violation of the FCRA. 
After I disputed the account, JP Morgan Chase also fraudulently changed the account status from STATUS 01 ( Pays as Agreed ) to STATUS 03 ( 61-90 days late ). This changed occurred in XX/XX/XXXX, five years after that account has  been closed? It should also be noted, I called the number listed on my credit reports for JP Morgan Chase and XXXX XXXX XXXX answered? In addition, JP Morgan Chase 's website states that all student loans were sold to XXXX in XX/XX/XXXX so if these accounts were sold, how is JP Morgan Chase able to make any changes to my credit report. Further, XXXX is not listed on any of my credit reports as the account holder? The following information is listed on my credit reports ; which is also inaccurate, just like their inaccurate account reporting. 

XXXX XXXX Mail Code XXXX XXXX XXXX XXXX XXXX, IN-XXXX ( XXXX ) XXXX Per FCRA guidelines, I am requesting copies of all documentation related to this account to validate these purported late payments. Specifically, the original signed agreement and terms and conditions, explanation of accounting, and assignment Bill of Sale.
There were suspicious hard inquiries about my credit that I did not authorize. It happened XX/XX/XXXX and XX/XX/XXXX.  I was at work on those dates but I received a notification that there were changes on my credit report thats why I log in to my account. I saw that there were atleast XXXX hard inquiries from different companies that I did not authorize. That is unlawful and that is illegal viewing of my finances. I never gave authority to any body to view my credit, especially without my knowledge. It was for car loan credit inquiries. I went to XXXX car dealership in XXXX and spoke to the manager. I told the manager that they run my credit without my permission and I really wan na complain about it. I told them that its a serious matter for me and I felt very threatened and furious of what happened. It could be identity theft and I was so sleepless for two nights because of that. I was told by the manager that somebody represented me on my behalf and told them that shes my nom. They ran my credit without my consent for several times without even double checking and asking for my ID. I really felt that these companies violated my privacy and rights. I am so afraid and XXXX XXXX right now at the same time and I wan na take this in legal action.
I'm filing this complaint for you to reverse the late payments reporting on XXXX XXXX XXXX XXXX The account was not paid late. I always sent the payments a day before the due date so it's impossible that the account is a past due
Calls me daily. Someone named : " XXXX XXXX '' also contacted my employer, ALSO is stating she is calling back about an application I submitted. I HAVE NO IDEA what application they are talking about and they possibly put my JOB in jeopardy having them thinking it was a reference check for another job. 

I have NEVER heard of this company, the phone number does not offer the name of the business when you call it, I had to ask several times to get the name of this business and name of the representative that answered the phone after googling and reverse searching the number, they would not give me an answer when I asked if they were a bill collector " i can not respond to that question until I know who I am speaking to '' I asked to speak to a supervisor and overheard her mumbling to another voice before telling me that he was not available.
In XX/XX/2018 I wrote to Experian, XXXX and XXXX   including some collection agencies that were on my credit report. In XX/XX/2018 I also submitted a complaint through the CFPB portal about some issues I was having with these bureaus and agencies. I however had gotten responses from the bureaus and these negatives that were impacting my credit report and scores were resolved and taken off my report. 
I was in the shock to see one of those negatives that were taken off my credit report reappearing on my report in XX/XX/2018 which is about 4 months after all this was cleared up. 
I am now seeing a reappearance of a collection on Experian And XXXX in the name of a XXXX XXXX with an amount of {$620.00} and account # XXXX. I can not understand the return of this figure on my credit report with a totally different name that I am not aware of. 
I would like this inaccuracy to be cleared up and removed from my report as the negative report affected my credit scores dramatically and I would like to move forward.
I had a XXXX procedure done so I could not pay my Macy 's bill on time. So I called Macy 's and set up weekly payments, Macy 's has been taking out {$60.00} out of my bank account for the past 3 weeks. Before I agreed to this they Promised me my credit wo n't go down. They lied! I just got an email saying my credit score went down XXXX POINTS because of this. I want my credit score back up or for Macy 's to wipe my Balance clean! I will contact a attorney if I have to I do n't appreciate Macy 's lying to me about my credit!