WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Sir or Madam, I am contacting you because I discovered that two late payments were reported to my credit report by Navient ( on XXXX ) several days after I made payment ( on XXXX ). This occurred in spite of the fact that I have never received a billing statement in the mail. 
I strived for many years to maintain a steady record of payments for all of my debts, in particular my student loans. Navient has consistently misallocated my payments for more than 12 years, by applying payments to the only to interest portion of my loan so that the principal has barely been reduced ( see attachment showing the history of my misallocated payments ). 
This conduct has continued for many years, despite the fact that I repeatedly inquired about income-driven repayment plans, only to be informed that I would not qualify. Instead, I was repeatedly encouraged to postpone my payments through unaffordable forbearance plans. 
By failing to correct the information reported in XXXX XXXX, Navient is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 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 ) 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. 
Furthermore, Navient is similarly in violation of Section 623 ( a ) ( 7 ) of the FCRA which requires it to inform consumers about negative information placed on a consumer 's credit report within 30 days. I have never received a statement from Navient nor this notification in the mail. 
I contacted Navient on XXXX XXXX, XXXX ( letter attached ) and since that time I have reached out on multiple occasions via phone since then in an effort to resolve these issues but to no avail. 
I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the two accounts showing a late payment in XXXX XXXX be removed and to correctly apply my payments to my loan. 
In the event that these reports are not immediately corrected, I intend on continuing to file official complaints with all regulatory agencies ( CFPB, FTC, BBB etc. ) to inform them of these circumstances and pursue other legal routes if necessary. 
I look forward to your prompt response and resolution of this matter. 
Thank you.
Experian claims to have verified a collection from XXXX # XXXX. However the other XXXX credit bureaus investigated and deleted this. Experian did not do an investigation or they too would have deleted it.
I continued to send Porfolio Recovery requests for validation and verification but to know avail. This is not my debt and i have never had an account with XXXX XXXX XXXX XXXX. This is a fraudulent account that Portfolio Recovery knows this but continue to report this false information on my report. Now they are calling me and demanding for payment
I filed a dispute with Experian,  XXXX , and   XXXX   in reference to the bankruptcy reporting inaccurately on my credit report. They stated that it was reported by the  US ba nkruptcy court. I sent a letter to  the US Bankruptcy court on    XXXX   XXXX ,    2016  and they sent me a letter back stating that th e US Bankruptcy court does not report to the credit bureaus, and therefore they have no control over the information contained in my report and that I may want to work  with the bureaus directly. I Then sent a letter to Experian  XXXX , and  XXXX  on  XXXX / XXXX / 2016  advising of the letter that I received from the courthouse and they sent me a letter back stating that this has already been disputed and they will not reinvestigate and I will need to contact the courthouse. I have contacted the courthouse and provided Experian,  XXXX , and   XXXX   with the information that was given to me and they fail to reinvestigate. It is my understanding that reporting false information is a violation of the Fair Credit Reporting Act, and by them claiming that they received the information from the court, when they did not is a complete violation and that means that false information is being reported on my credit report for the Bankruptcy and  Tax Lien. The tax lien is showing that the courthouse is the furnisher of that when clearly they are not. I called the courthouse for the information pertaining to the Tax Lien and they told m e the same thing.
As a way I am sure to make banking " more convenient '' my bank, Bank of America, now allows withdrawals from their teller assist ATMs with just a drivers license. Since this transaction is not conducted with a debit card the normal consumer protections allowed under REG E apparently do n't apply. A fraudulent ATM withdraws of {$1200.00} was conducted using just a drivers license as a form of authentication through their new ATA machines in a locale I have never visited over XXXX miles away from my home. When notifying them of the fraud the next day the bank explained this case would be treated as identity theft instead of a fraudulent transaction and would follow a different investigative course and remedy. Meanwhile we are out significant funds as the bills mount while an investigation takes place.
I received a letter from a company called Jefferson Capital Systems , LLC that I believe to be fraudulent. The letter claims to collect a debt in the amount of {$1700.00} for a XXXX XXXX XXXX Account. It offers to let me save money by paying three equal payments of {$110.00}, and they will absorb the rest of the debt. 

I did have a Home Mortgage through XXXX XXXX that ended in XXXX ; I checked my account and there is no balance or debt. 

Suspect issues on this letter ( including the option to make three equal payment that do no equal the debt ) include 3 different addresses listed on the letter. Jefferson Capital Systems , LLC is listed at XXXX XXXX XXXX, XXXX XXXX, MN XXXX ( XXXX ). On the payment stub, a " return '' address is listed as XXXX XXXX XXXX, XXXX, NC XXXX with a mailing address ( " to '' ) as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX. Their website offers no additional information : http : //www.jeffersoncapitalsystemsllc.com
Reciving calls from XXXX, a company stating they are collecting a debt on behalf of MBNA. A credit card I paid and closed 15 years ago. MBNA is no longer in business and is not reported on my credit report.
My mortgage company conducted an escrow analysis on my account due to my taxes decreasing there is a surplus due back to me and they are refusing to send me I spoke to representative XXXX agent # XXXX on XX/XX/18 he advised me that the escrow surplus will not issue until 30 days. I advised him I never heard of that before the escrow surplus should be issued when the escrow analysis is completed if the account is not 30 days past due and my account is current. He advised that is our policy I advised the rep that is not Respa policy he stated that is Ocwen policy. I advised the rep I would like to speak with a supervisor he transfer me over to supervisor XXXX agent # XXXX. I asked XXXX to please have my escrow surplus rush XXXX said no it will take up to 30 days for me to receive the escrow surplus I asked her why it can not be rushed she stated it is Ocwen policy and they can not rush it I have to wait the 30 days. I then asked her the name of her CEO she did not know and hesitate to provide the information. I asked to speak with her manager and she told me no non was available to speak with me. This is just crazy. All I am asking Ocwen to rush my escrow surplus and I have to go through all of this mess and have to treated my reps like this I pay my mortgage every month and do not feel like I should be treated like this.
BOA is requiring approximately 3 times the amounts due for escrow. Please provide a copy of any relevant regulation.
I just want them to investigate XXXX complaint about me owing {$3300.00} and ask them why they didnt respond to the first complaint.
I was told I 'd be sent a credit balance refund for over 3 thousand dollars from Barclays. After letting them know I never received this, I received a call today alerting me that the check was cashed and because it was cashed there was nothing further they can do. Barclays was in possession of documents that I was a victim in identity theft cases and failed to properly handle this. Not only will they not reissue the check, they 're showing my balance positive for just under {$700.00} and marking me late on my credit bureau.
I want the proper refund minus my current account balance and for my credit bureau to be properly adjusted and to never have to deal with barclays again. Their business tactics have been disgusting and appalling Barclays is taking what I deem to be illegal methods by completely ignoring that an active fraud case was pending while this took place. I sent bank statements in a timely manner to the office of the president and they ignored my query
On XXXX XXXX, XXXX, I provided a " qualified endorsement '' negotiable instrument to my lender XXXX to pay for my mortgage in full in the amount of {$110000.00}. Since then they have demanded additional payments from me each month. The last statement I received they demanded {$3200.00}. Attached is proof of payment in full for my mortgage made on XXXX XXXX, XXXX. They are committing fraud and using the credit reporting agencies to assist. They even threaten to foreclose on my if I do n't pay them additional money.
Midland funding keeps attempting to collect a old debt from me and I never had credit with them.
This is follow up to a case already filed with the CFPB, that number is : XXXX. The response received from XXXX was inaccurate, as well yesterday they reported to XXXX that my mortgage is 30 days late. Attached is verification of the report and the lines below are the inaccurate statements in the response, both of which fall under the heading Requested Clarification : 1. It should be noted that it was an error on XXXX 's side that my account was taken off automatic recurring drafts for my loan and that specific statement would be reported to the credit bureau. 2. There was no attempt by XXXX to contact me on XXXX XXXX or XXXX as stated, this is simply a false statement.
this is a continuation of complaint number XXXX after 3 attempts to get Bank of America to refund the XXXX cited in the previous complaints, the money was returned to me via a credit memo : XXXX/XXXX/2015 XXXX/XXXX/2015 Credit MemoXXXX for check number XXXX. 
XXXX XXXX $ XXXXThis is the money that Bank of America claimed they had not received on three occasions. The XXXX was instrumental in obtaining the refund and I have nothing but high praise for them. Regards Bank of America, their adamant denial of not having received the money was simply not true. I sent copies of the back and front of the check and they STILL maintained that they had not received the funds. I still feel that Bank of America collected on an account already paid in full and their denial of receiving and entering the payment is a violation of good business practice and the fair credit act.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, is trying to collect a debt I have disputed as not mine. They sent me after I disputed the charge for {$220.00} and it appeared a charge on my account that was a result of some sort of Identify theft or a charge that is fraud. 

XXXX sent me a copy of my XXXX XXXX statement and it did not document the actual charge or merchandise that they supposed I did charge. I believe if it is my mine, which I do not believe since they have unable to send me any XXXX XXXX charge slips that show my signature for this disputed charge, even though I have requested in writing XXXX times for this documentation. 

XXXX is calling my home up to XXXX times day, even though I have disputed this charge. This is in violation of both Federal and State statues which prevent harassment from these types of tactics. 

I would like XXXX to provide me with the actual charge slip that backups the supposed charge that I owe or discontinue the collection of this charge.
There 's XXXX accounts on my credit report both from the US Department of Education XXXX with a balance of {$3500.00} and the other {$0.00}. I do n't understand that being a victim of student loan fraud and my personal information was used for opening other lines of credit and taxes. I did not open these accounts.
This company ( XXXX ) has disclosed personal loan information, dates, amounts, contact attempts and threatened garnishment if I do n't contact within 24 hours to a step parent of mine, with whom I do not, and have never lived with, live 30 minutes from and rarely see or contact. Per my stepparent, the request for the company to not call again has not been honored by Credit Central. I have contacted this company previously and told them no payment availability, I am working on filing chpt XXXX, and saving to obtain the attorney to do so. This company has harassed me at my place of employment on numerous occasions, after being asked to stop. This has finally as of this week stopped. The calls are several times a day, there has been visits to my home with letters left on my door handle. I have asked no contact and continue to receive this as well as some of the 8-10 references that were required continuously are harrassed after being asked to stop calling. They have accurate information for me, have spoken to me, I feel it is n't necessary for me to talk to them every day to say I am not paying. I work full time, a part time job and back in XXXX as well as a single mom, I can not afford to loose income due to this petty harassment as well as the fair debt collection practices being abused.
Last XX/XX/2017, I applied for American Express XXXX credit card while there is a promotion of XXXX points can be earned ; XXXX initially after {$2000.00} spend and XXXX additional extra {$1000.00}. After my {$3000.00} spend, I was waiting for the additional XXXX which never deposited to my account. I contracted the American Express Service Department numerous time back XX/XX/XXXX and again in XX/XX/XXXX since they need a time to investigate the matter. Last time I talked to  service department. They just told me they just can't honor the promotion since it was never linked to my account.
I wrote to this company disputing some account that was fraudulently opened and reported on my credit report. I wrote a letter to this company dated XXXX XXXX, 2017. For some reasons, this credit repository did not conduct a proper investigation and did not remove the fraud accounts resulted from ID theft. Attached is a copy of the police report I filed and the FTC affidavit I had Notarized. I am a victim of ID theft and did not benefit in any way from any of this account.
I am currently behind in my mortgage payments with PHH Mortgage. I live in Illinois and am currently sending my payments to PHH mortgage XXXX XXXX in XXXX, IL. Ive had problems in the past with PHH not posting the payments in the timely manner they receive them. Ive been shipping the mortgage pay via USPS priority two day mail. Ive made two previous complaints through this organization in the past. I recently mailed my mortgage payment to PHH on XX/XX/XXXX USPS priority mail. My tracking shows the XXXX XXXX. XX/XX/XXXX received the payment on XX/XX/XXXX at. XXXX. It is currently XX/XX/XXXX and PHH has yet to post the payment within a 24 hour time frame as they claim to do so with all payments they receive. My concern is this payment will not post within the legal time frame set by the state of Illinois. I did send an email to customer service alerting them that the payment was sent and received according to my documentation. My loan number is XXXX. A copy of the USPS receipt and tracking was emailed to PHH.
This XXXX wireless dept of {$2300.00} is not mine, i live in Puerto Rico.Someone stoled my ldentiti. I have a bad credit because of this dept.its ruined my life.
I have disputed this acct XXXX XXXX XXXX several times with Equifax. Each time they say it 's verified. But when I ask them to send proof that this is my account. They never do and they tell me they do n't have to verify this account. By law states that I have a right to see what was verified. This item is dated XXXX/XXXX/XXXX That was 7 years ago. I just got a copy of my updated report and this item is still listed on my credit report as of XXXX/XXXX/XXXX. XXXX is a very bad company and already have several complaint with the BBB. They do not do fair practices and I want this item removed immediately. And I will be contacting an attorney to move forward with a lawsuit against XXXX XXXX. In the meantime I want this company investigated for unfair practices, and I want this item removed immediately. By law this item can not stay on my credit report past 7 years. They know this yet they continue to let this stay on my credit report. Equifax investigated this item and took more than 30 days to get back to me. Equifax is just as bad as XXXX XXXX.
I am a victim of Identity theft and I have filed a compalint with the FTC with the reference number XXXX. The credit bureaus XXXX and XXXX have both removed the XXXX account from my reports as required by FCRA law. However, Experian has not. 
Experian is still reporting inaccurate information for the XXXX account number # XXXX. 

Experian has surpassed the 5 days to delete according to the FCRA laws ...
While visiting a Citibank branch on XX/XX/XXXX, I opened a new checking and savings account in the Citi Account Package. According to the personal banker who  opened my account and Citibank website, I was eligible to receive a {$400.00} sign up bonus if I ensured the following conditions were met : 1. Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
2. Maintain a minimum balance of {$15000.00} in your linked checking and savings accounts for 60 days. 

I have met all of the aforementioned conditions to be eligible to receive the sign up bonus. Below is a chronological order of events which illustrate that I in fact met all of the conditions required by Citibank : 1. On XX/XX/XXXX I deposited {$15000.00} new to Citibank funds into my checking account and subsequently transferred {$250.00} to my linked savings account. 
2. As stipulated by Citibank, I funded the accounts within 7 days ( requirement is within 30 days ).

3. As stipulated by Citibank, I maintained a minimum of {$1500.00} in my linked checking account.

4. As stipulated by Citibank, I maintained a minimum of {$100.00} in my linked savings account.

5. As stipulated by Citibank, I maintained a minimum balance of {$15000.00} in my linked checking and savings accounts for a period of 72 days through XX/XX/XXXX ( Citibank requirement is 60 days ). 

On XX/XX/XXXX, I received an email from Citibank advising me that I am not eligible to receive the {$400.00} sign up bonus because I did not meet the required conditions. I have attached/uploaded the email with this complaint submission. 

I immediately called Citibank to try and resolve the issue, but after 4 telephone calls, 3 hours on the telephone, and numerous transfers, my issue remains unresolved. 

I am 100 % confident that I have met the required conditions and am eligible to receive the {$400.00} sign up bonus. 

I am hoping your organization can help me. 

Thank you.
Our Mortgage loan # XXXX was bought out by Lakeview Loan Servicing , LLC inXX/XX/XXXX. XXXX XXXX  handled it previously and paid my County Taxes inXX/XX/XXXX My escrow account has been charged twice for that now. {$1600.00} was paid XX/XX/ and {$660.00} was paid in XX/XX/. When the new company ran my new escrow analysis it shows another tax amount due in XX/XX/ of {$1600.00}. This is not due nor paid and caused a huge shortage in my escrow. Which in turn caused me to pay extra every month. I have a ticket number where I sent payment receipts in for taxes and I opened the issue with Lakeview. That is # XXXX. It's now XX/XX/XXXXand I have called more than 10 times. I get the same answer of its being processed and a new date everytime. Please help.
the original creditor XXXX account was and is part of a chapter XXXX bankruptcy they have sold the account to another Leander for the 3rd time HILLCREST DAVIDSON AND A
On XX/XX/XXXX I mailed a debt validation letter to Fair Collections & Outsourcing , Inc . On XX/XX/XXXX Fair Collections & Outsourcing, Inc. mailed information they have on file regarding the account. The information Fair Collections & Outsourcing , Inc. provided contained TWO DIFFERENT SIGNATURES which they are claiming to be mine. It is clear that someone has forged my signature on a document they are using to attempt to validate the debt and collect with. I do not wish to impugn the integrity of any employee at Fair Collections & Outsourcing, Inc or the original creditor but someone has forged my signature on a contract. This unlawful act and collection tactic are unacceptable. I have attached pictures of the information Fair Collections & Outsourcing, Inc mailed me.
I mistakenly sent my mortgage payment to previous loan servicer Ditech on XX/XX/XXXX. Since then I have called them more than 10 times and have not received my check back. Everytime I call, I get a different answer. I have been told the check was mailed on XX/XX/XXXX and then was told on XX/XX/XXXX. Nothing came in the mail, I verified my address and it is correct. Supposedly a manager was working on it but when I call her she has to send email to another area to find out and then nothing happens unless I call them to get the same answer. I have even told them to check with Monetary department to look under unapplied account and overnight the check. No one seems to know what to do. I have now starting getting assessed late charge and collection calls from my current servicer. I admit I made a mistake but it should not take this long for a big company to cut a check. I have worked myself in a bank before and checks can be cut same day and overnighted.
Transunion keep putting inaccurate employment information on my credit report. XXXX XXXX XXXX as employer incorrect. I want it removed
My mortgage was with XXXX XXXX and was transferred to XXXX XXXX XXXX 2016. XXXX mortgages are showing on my XXXX credit bureau reports with the full amount. This doubles the mortgage amount I owe and I 'm being denied credit due to excessive obligations in ratio to income.
Equifax shows many collections on my credit report. But they do not show the name of the debt collector or original creditor. It just says N/A