WillisBack/dataset-financial-user-claim huggingface dataset:
I have a charge off with XXXX that ended XX/XX/2011. The lender is reporting the charge-off every month as a current status known as re-aging which is illegal. Equifax refuses to make the lender comply with the Fair Credit Reporting Act FCRA 623 ( a ) and remove all " CO '' status on credit report after XX/XX/2011. Re-aging causes a negative account to appear more recent. The more recent the charge-off appears to be, the more detrimental to my credit scores. Re-aging also causes an item to stay on my credit report longer which is illegal. The Fair Credit Reporting Act states : " The 7-year period shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity ; charge to profit and loss, or similar action. '' I am writing to dispute XXXX on my credit report with Equifax. The amount and current monthly status listed on the account is incorrect. I request the account be deleted immediately for compliance with the Fair Credit Reporting Act and FTC, and Consumer Financial Protection Bureau ( CFPB ) from my Equifax credit report. Both XXXX and XXXX are reporting the account correctly. Please see attached. If you look at the other charge-off accounts you will notice they are not reporting with " CO '' every month. I have highlighted this account and another that is reporting incorrectly. Additionally, I highlighted XXXX, XXXX XXXX XXXX, and a couple of that are reporting correctly so you can see the difference.
Case number : XXXXChrysler Capital. 
Office of the President. 
Chrysler Capital at this time I have not been mailed any paperwork to pay of my car. I would be willing to pay off the car if damages from the repo was deducted. Please send me some paperwork for payoff. I have not been sent any paperwork for payoff. For fear of late night repo chases and repo men calling my friends and family at home and work and the safety of my family and others. I am willing to accept a settlement offer for the payoff of the car. Please send me some paperwork or forward to collections. 
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
I have astronomical private student loan debt from attending XXXX XXXX XXXX University. I was given false hopes and promises. I did not receive my XXXX in the end, but am only a few classes away, but was told I do not qualify for any more student loans. 

Navient has been servicing my loan. They have been lying to me. My mom co-signed a couple of loans for me and they harrased her morning, noon and night over the phone. 

They did not and would not give me options to have my co-signor/my mom removed from the loans. 

Navient also only gave me one repayment option. I have been paying {$460.00} and now {$480.00} per month for nearly four years. My loan balance continues to increase and my accrued interest continues to increase. I have paid them several XXXX dollars thus far and Navient will do nothing to assist in helping me lower my payments and the overall loan balance. They refuse to give me any other options.
I refer to the letter dated XX/XX/2018 exchanged with the Bank of America [ signed by XXXX XXXX ] where following lengthy correspondence about my expected service as a XXXX  service they are concluding that they are not in a position to evaluate my feedback or I am being given this impression.

I kindly urge you to contact the XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX, XXXX to establish a formal dialogue at the inter-governmental level, this seems to be missing to start with. The identity may be verified with the same government, specifically IDMO, whose office is at XXXX XXXX, XXXX XXXX, XXXX, XXXX.

You may make relevant correspondence accordingly such has been suggested even to the banking officials in question who claim to have other clients to attend to at the moment.

A framework for exchanging information at reasonable charges is surely missing.

I wish you all the best.
XXXX XXXX- XXXX XXXX. They keep calling threatening me ' if you have an attorney have them call if not we will asset you are not interested in settling this matter and we will have to take further steps ' they send d letters I got one in XXXX stating pay. {$66.00} by XX/XX/XXXX. I paid XXXX yet they are not satisfied! I wAnt to pay my bills, but my husband and me ran into hard times. Try going through cold wuss with no heat taking cold shower s. It was more important to get oil so we had to let the charge cards go. Plus they don't work with you- by stopping interest they just keep adding it on. Please help they should be sued for harassment! I can not even ask questions when I call they know your information from caller I'd, yet they won't help or give info out. Today was the last straw I want something do e. Their number XXXX XXXX. Extension ( ( XXXX )
XX/XX/XXXX OnXX/XX/XXXX I obtained a first mortgage through XXXX XXXX XXXX of {$640000.00} on my house.
The mortgage was subsequently been transferred to other entities, and is now held by Select Portfolio Servicing ( SPS ). The company information is as follows : SELECT PORTFOLIO SERVICING INC. XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX CUSTOMER SERVICE : XXXX XXXX XXXX XXXX  www.spsservicing.com Mortgage payments to this company, and from the beginning of the mortgage to date, have never been late.
This servicer acquired the loan on XX/XX/XXXXwith a balance of {$540000.00} at an interest rate of 2.75. As of this date, the balance is {$330000.00}. The current interest rate is 4 % There is no pre payment penalty and additional principal payments have been made and applied to the loan over the past 3 years.
The initial monthly blended payment inXX/XX/XXXX was {$2800.00}. As ofXX/XX/XXXX the payment is {$2700.00}.
The servicer never provided an amortization schedule since acquiring the loan, and same has not been provided for the rate ( which has been adjusting upwards ) at its current level.
I believe the bulk additional principal payments have not been applied properly to reflect the interest calculation, based on the decreased overall mortgage amount and the remaining term.
On Several occasions I have submitted a dispute to all 3 Credit bureaus, Experian, XXXX, and XXXX about a debt of XXXX that's on my credit from a company named XXXX. I've asked for verification and all I keep receiving is a statement, nothing else. No signature, or SSN .I 'm pretty sure this is not enough evidence to prove this debt is mine.I have attached the statement that was sent to me
On or about XX/XX/XXXX due to high pressure sales tactic, we purchased a week from the Time Share company called XXXX XXXX XXXX ( XXXX ). However, we were given 10 days to cancel. But as we tried to cancel on day 8, our calls or emails were never returned. After several attempts we simply resolved to use time share which we did briefly. However, our finances would not allow us to keep this product. So we hired XXXX XXXX XXXX ( XXXX ) to assist us. We were able to settle with XXXX. We have documentation which states that if we sign back over the property deed to XXXX within a certain time period, ( before XX/XX/XXXX ) 'you will be released from any further liability under the note. However, if we do not receive the notarized documents before this date, foreclosure proceedings will begin. ' Unfortunately, XXXX acting in our behalf, failed to send us the necessary prepare in time, stating there was an oversight on their part, and as a result, XXXX proceeded with a foreclosure on our account and submitted to Experian. We tried several times to get this matter resolved with XXXX and with Experian stating that since there was no financial judgment, there must NOT be a Foreclosure statement on our credit report. Having such is preventing us from refinancing our home, which we desperately need to do!!
Your company XXXX XXXX XXXX XXXX did not communicate with all three credit bureaus within 30 days of receiving any of the two letters sent to you that the item in question was in dispute as per the Fair Credit Reporting Act. As proven by my most recent credit report from all three credit bureaus. 
I have disputed a debt and you have failed to report it as disputed with the credit bureaus.

Protection under the Fair Credit Reporting Act. ( FCRA 623 ) If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not  subsequently report that information to a CRA without providing notice of the dispute. This identified by an informational line about the dispute added in the comment section of the item on the credit report. Section 623 ( a ) ( 3 ). 

Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ). 
XXXX XXXX XXXX XXXX did not respond to the second dispute letter sent on XX/XX/2017 Per  the Fair Credit Reporting Act section 611 your company did not complete an investigation within 30 days.
hunter warfield has contacted my wife 's parents multiple times as well as my brothers mother in law try to get in touch with me, after we contacted them and gave them updated information ( i.e. address, telephone, and email ) we have requested a detailed bill explaining why i have an outstanding balance, and have never received it. last time i talked to the guy 1. he was a XXXX and questioned me as to why i needed a bill, and 2. i told him we would n't be paying anything until we got the detailed bill.
I have filed a complaint on XXXX/XXXX/16 complaint # XXXX which the gave a general response. Since then I am still going back and forth with Citibank to get assistance. I have a new specialist XXXX XXXX who do n't respond to any of my questions. She sends me a weekly email that appears that all she do is change the date and resend. I was told by XXXX XXXX who was my specialist prior to XXXX that a decision should be made within 30 days ( XXXX/XXXX/16 ). We are well into XX/XX/XXXX and still no decision has been made and I ca n't get a answer of why and what is the hold up. Again we are asking for assistance because we are need of HELP. We was hit with unforeseen illness and XXXX massive storms that made us loss more that XXXX % of our income. I asking for Consumer Financial Protection Bureau to assist me with this issue with Citibank. I not trying to loose my home and I am asking for assistance to make my monthly payments more affordable. PLEASE HELP!!!!!!
Collection Bureau of America did not send a notice of debt prior to placing it on my credit report XX/XX/XXXX. A collection account for the amount of XXXX was placed with the XXXX Credit Bureaus. 

Collection Bureau of America is attempting to collect a debt based on a XX/XX/XXXX invoice in which shows the equipment being charged off. However we returned the equipment to the original creditor in XXXX XXXX which is why we received the invoice XX/XX/XXXX which shows a XXXX ( {$0.00} ) balance which was sent by the original creditor Sparkleletts ( acct # XXXX ) XX/XX/XXXX. 

Collection Bureau of America refuses to remove the collection from my credit report even after I supplied my invoice from XX/XX/XXXX and I have been emailing the Representative XXXX to see what movement has been made to remove the collection. The CBA account number is XXXX. The are violating the credit reporting act by attempting to collect on a debt that has been paid. 

Collection Bureau of America is attempting to collect
XX/XX/XXXX, I began to have problems paying my mortgages. I own rental properties and many of them had loans where the payment was doubling. Additionally, a number of my tenants were having trouble paying their rent due to job issues. My rental property was my only income and I began to have serious financial issues. Consequently, XX/XX/XXXX, I filed Chapter XXXX. My reorganization plan was confirmed XX/XX/XXXX and my Chapter XXXX was closed XX/XX/XXXX. As part of the Ch XXXX, I gave back one of my properties to the bank. At the time my lender was XXXX XXXX. Then, XXXX XXXX sold my loan to Ocwen. When Ocwen contacted me about the loan, I presented them with my court documents showing I gave the property back to the bank. It took over a year and countless phone calls and letters for Ocwen to finally acknowledge I gave the property back to the bank. But finally XXXX ID # XXXX, who is one of their BK specialist, finally did acknowledge I gave the property back to the bank in my Chapter XXXX, and we began the DIL process. When we were almost done with the DIL process, Ocwen stopped the process. They changed their minds and refused to acknowledge my court documents. They said I was still responsible for the loan and I had outstanding payments of about {$50000.00}. This makes no sense. My court document -- Memorandum of Points and Authorities in Support of Confirmation of XXXX Modified Chapter XXXX Plan of Reorganization, page # XXXX -- clearly states I gave the property back to the bank. Furthermore, on XXXX/XXXX/XXXX, I received a letter from Ocwen acknowledging I surrendered the property in my Chapter XXXX. I escalated this matter to XXXX XXXX, Ocwen ombudsman. She was no help. She just kept saying I did n't give the property back to the bank. I need help making Ocwen honor my Chapter XXXX reorganization plan which was clearly confirmed by the BK court.
On XXXX XXXX I made my typical mortgage payment online which was on auto pay for {$700.00} though my bank. In XXXX I received a letter stating that my payment was in suspense and that a late charge had been assessed for not making my payment on time. When I researched this, I found that my payment had increased in XXXX 2015 to {$780.00}. I immediately called the main office and paid the delinquent amount of {$86.00}. At this time I also found out they did not have an accurate phone number for me as well, which I have updated. 
I pride myself on paying my bills on time and this was an oversight on my part. I understand the importance of this issue and I should have paid more attention to the statement. 
I 'm currently in the process of refinancing my primary residence and the late reporting has crushed my credit report to the point I no longer qualify. I am simply asking for a onetime retraction. I know this is not common, but have found out that many lenders have done this in certain circumstances. 
I have called several times and written correspondence asking for them to rectify the mistake. When I do call, I 'm not able to actually talk to someone that can make a decision. They say that there is no " customer facing '' person that I can talk to. The only communication that is allowed is through letters.
I purchased a vehicle from XXXX XXXX XXXX on XXXX XXXX, 2015. My vehicle was financed with Santander consumer. Upon signing my contract an extended warranty was purchased for {$2000.00} dollars. Two days later I was rear ended. A total loss. On XXXX XXXX, 2015 I asked that the warranty be cancelled with XXXX. This company has given me the run around since signing the cancellation request form. On XXXX XXXX, 2015 I called Santander consumer to see if my warranty was cancelled so that my remaining balance of {$85.00} is paid in full. XXXX has paid thier half in the amount of {$11000.00}. Santander consumer stated I had to wait for XXXX to send them {$640.00} and for the dealership to send {$1300.00} in order for my refund to pay the remaining balance in full, and any money or monies would be refunded to me. First, off the dealership has no right to the extended warranty refund when it was purchased, and added to my contract. Second, why must I wait for Santander consumer to process my refund when my cancellation request form was signed on XXXX XXXX, 2015. This fraudulent business tactic is only making my CREDIT suffer. The credit I have tried so hard to achieve. There is no reason for Santander consumer to prolong the process when they have given me the deadline of XXXX XXXX, 2015 to have all monies paid in full. I would like to be treated fairly and have this matter resolved ASAP. There 's no reason for me to wait any longer, since I have waited long enough. I want my balance to be paid with the refund from my warranty in full on or before the deadline. And the rest refunded back to me. So that this fraudulent behavior does n't cost me my CREDIT.
Hi I received an XXXX Credit Card from Chase of {$7000.00} limit on XXXX XXXX, 2016. The problem is that this was unsolicited and I never applied for this card. My wife had also received a similar XXXX Credit Card a few weeks before. I have already intimated Chase - and asked for the card to be cancelled. I 'm more worried about the remarks on my Credit Report with a hard check on my credit. 

I feel that this is similar to the XXXX XXXX case of cross-sell.
I had applied for a Chase XXXX Visa Platinum credit card online on XXXX/XXXX/XX/XX/2015. Due to lack of verifications reasons to further evaluate my application, their fraud department had mailed me a letter stating they needed some personal information sent in verifying my date of birth/current billing address. I provided exactly that by their fax ( copy of my drivers license and current XXXX utility bill ) to speed up the process given by XXXX of their representatives at this telephone number, XXXX XXXX. They confirmed receiving my items 72 hours after. Since then, I contacted them now over XXXX times to discuss and resolve this issue, but their requested contact, Supervisor XXXX XXXX has not returned my call since all the messages that were left by me still. In my last telephone call, I was told from XXXX of their representatives at this number that they had declined my application due to this same reason, but still received no letter. I am even more unhappy that their telephone representative gave me the final decision before they even contacted me. I am extremely concerned about my credit report showing any negativity against other potential creditors to review my account for this unsatisfactory reason. I work very hard to maintain a good credit rating and need find a resolution for this. It has now been on going for over a month now and no matter how proactive I am, they are not responding. I am open to any assistance to resolve this matter.
XXXX   XXXX   XXXX  has been trying to collect from me on an old windsteam bill from   XXXX  . I have continually disputed this account but it keeps popping up on my credit report. I have spoken to them and all they tell me is to make a payment to which I have repeated stated " this is not my bill '' but they refuse to stop reporting it on my credit report. I do n't know what else to do. I feel that they are abusing the fair debt collection practices act
The payment was made thought a debt collector on behalf of first data global leasing, since year XX/XX/XXXX for early termination fee {$290.00}. Matters face when they agent walking to my restaurant was told me no contract, no early termination fee, so we can consider is fraud, is scam, they have advertising in writing of XXXX XX/XX/XXXX I review my credit report, they inaccurate credit report bring down my credit score from XXXX to XXXX.and then I go online research I no the only one get hurt by first data global leasing company.my business closed, the processing machine being return. few days after I made phone call everything was fine,
I   XXXX   XXXX   am entitle d to the same benefits of the  2015  modification to reporting of medical debts just as any other American consumer. In  2015 , I was involved in a near fatal work related accident. My  XXXX  insurance will eventually cover  XXXX  % of all medical claims, but while I was recuperating for ov er 18-months, severa l medical companies, hospitals and emergency services took the liberty to simply turn over medical balances to medical collectors, who in turn did not give me the benefit of a  180-day w ritten notice that after the  180-day n otice expired the balances could be reported on my credit bureaus. Every company I will post with the CFPB has violated my rights under the CFP B  XXXX - XXXX -  XXXX   XXXX   a greement of  2015 . All  medical collections  must be removed immediately by all medical debt collectors, and I must be send a 180-day notice, so my insurance can work on resolving all claims. REMOVE AL L MEDICAL COLLECTIONS  AS MANDATED!!!
On XX/XX/XXXX I paid the entire credit card balance of {$10000.00} off bringing the account to {$0.00}. On XX/XX/XXXX I received an email that my credit card statement was ready and there was a new charge of {$160.00} in interest applied to the balance owed. I contacted CapitalOne Customer Service today on XX/XX/XXXX to inquire about the charge and to ask this be removed. I spoke with XXXX, the CSR who passed me to a supervisor as she ( XXXX ) was unable to remove the interest fee. 

The supervisor indicated she could not waive the fee and the interest charge was applied on XX/XX/XXXX, the same day as my payment posting. This can not be the case as I logged in to my account 2 times after my payment posted ( on XX/XX/XXXX and XX/XX/XXXX ) and the account was showing a {$0.00} balance. This interest charge had to have occurred after XX/XX/XXXX and the account supervisor is not providing accurate information. 

I would like to lodge a complaint against CapitalOne based on on deceptive and unfair practices and will continue pursuing my request for CapitalOne to remove the charge. I have documentation showing the date the balance was paid, the date the interest was charged and also documentation showing the dates I logged in to my account to view the balance. 

Thank you for taking the time to review this complaint and please let me know if there are any questions or if any additional information is needed. 

Thank you
" Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11 ''. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX
I viewed my credit report and noticed I C System reporting a balance of {$640.00} which I do not recall which is reporting on my XXXX, XXXX, and XXXX credit file. Id requested which a letter documentation bearing my signature which I am entitled to if the company claims Im the owner of this account. With failure to provide me this documentation is in violation of the FCRA. And this item should be removed immediately.