WillisBack/dataset-financial-user-claim huggingface dataset:
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, FedLoan Servicing Credit 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 :  XXXX 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, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. 
FedLoan Servicing Credit representatives told me that because the delinquent payments were accurately reported in XXXX and XXXX of XXXX and that FedLoan Servicing Credit 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 received a letter from Northland Group Inc., dated XXXX XXXX, 2016, demanding payment on a loan assigned to them by XXXX for collection of {$23000.00}. However, the same loan was previously assigned to XXXX XXXX XXXX, which agreed to cease and desist on this account, via attached letter dated XXXX XXXX, 2016, since apparently, they could not verify the loan as being mine. I do n't understand why XXXX has reassigned the loan to Northland despite the previous collection agency not being able to disprove my claim that I do not owe this loan. I have not borrowed money from XXXX XXXX XXXX services and thus request CFPB to please compel XXXX and Northland to desist collection on this account from me.
XX/XX/2018 Portfolio Recovery received a request for validation in regards to an erroneous marker on my credit report. After 3o days of not hearing a response, I then sent a non-response letter to Portfolio Recovery which was received by said company on XX/XX/2018. This letter let them know that 1. I sent a Validation request per my right and that they have not responded and 2. Being that they have not provided proper validation they are now in violation of FCPDA and giving them an extra 15 days which of course they didn't comply. 

Please see attached for 1. Validation letter 2. Letter sent after nonresponse of Validation Letter
I hand it a {$9000.00} in cash to a teller at my bank without a deposit slip. She took the cash and run it through the machine, I did not have a visual to the counter and she moved to the side with cash in her hand talking to the teller next to her for a minute or so, then she came back typed in her computer and hand it a receipt to me with only {$8000.00} in it, I told her that I had brought {$9000.00} and I want her to recount the cash, she told me that she has put the money into the recycler and she ca n't opened the safe so I asked for the manager, she told me the manager wo n't able to opened it either. So I told her that I 'm going to check my record at home and I will be back so I did, came back and I asked for the manager. He also told me that he ca n't open the vault until the closing but he will call me next morning at XXXX. I had to call him after XXXX. He told me that the cash in the vault was balance and there was no overage so I asked for an investigation. The only things the bank did is run an audit but never investigated the incident. I wants for the bank to investigate to the full extant of what happened including visual video footage and also documents of that day cash reconciliation.
Every credit report ( all 3 Transunion, XXXX  and XXXX  ) shows balances owed on my general and store credit cards, however all of my credit cards were paid in full and have a XXXX balance. I have disputed with all 3 bureaus and provided statements showing a XXXX  balance to all 3 bureaus but they never made any correction. Additionally, there are several credit cards that show a delinquent payment, when it was not delinquent, on 3 accounts XXXX, XXXX XXXX mastercard and XXXX XXXX credit card, applied my payments to the wrong account, all 3 companies are operated under the same financial institution, and payment processing center. On the other credit cards, I made the payment on-line on time, but they have a 10-15 day processing period that created a delinquency when it was the processing time at the company themselves. I also have a XXXX collection account that was paid and I have notified all XXXX bureau 's with the payment confirmation number. The balance owed on my mortgage is higher that what I actually owe, I confirmed this with my mortgage company. Finally, there are a few collection accounts with XXXX and XXXX XXXX XXXX, although I made payment arrangements with XXXX to pay 30 % less to satisfy the account, I know nothing about XXXX XXXX. I never signed an application, agreement, never received money, credit or statements. I asked them to provide proof that this account was mine and authorized by me, and after 7 requests they still have not provided anything, no statements, copy of application, copy of agreement, no proof at all that this account i mine. I disputed all of the above items with all 3 bureaus and nothing has been investigated, corrected or removed.
I found a lost XXXX Chase Visa debit card on XXXX XXXX in XXXX, California ( XXXX XXXX of XXXX XXXX ) while riding my bicycle on the afternoon of Saturday, XXXX XXXX, 2016. The card was on the side of the road. The card looked relatively new and clean. The card is now in my possession. 

On the morning of Sunday, XXXX XXXX, 2016, at about XXXX PST, I phoned the telephone number on the back of the debit card to report that I had found it. I phoned XXXX. I spoke to a woman named XXXX in the call center. XXXX told me that the card would be " closed. '' I asked XXXX to please notify the card owner, whose name " XXXX XXXX XXXX '' of account number " XXXX XXXX XXXX XXXX '' with expiration date of " XXXX '' was printed on the card. XXXX said that she was not required to take such action. I explained that it 's possible that the debit card owner does not know the card account number and therefore might not know how to reclaim any funds on the card. I also told XXXX that it 's possible that more than XXXX card might exist for this account, so closing the account might cause inconvenience. I again asked that XXXX Chase Visa debit card operations inform the account owner of the lost card. XXXX replied that all I needed to do was to cut up and discard the pieces of the debit card. I repeated my request that debit card company contact the card owner. She said that XXXX other action that I could take is to take the lost debit card into a local Chase bank branch and ask that bank branch to try to track down the card owner " XXXX XXXX XXXX. '' I then asked XXXX to tell me the procedures in place for reporting lost debit cards and informing the account owner. XXXX said that the procedure was just as she had reported to me. Then I said that I needed to report this to the Consumer Financial Protection Bureau so that the XXXX Chase Visa debit card " lost card '' procedures and policies could be re-examined.
Im am unable to withdraw money from my account. In order to withdraw funds they require a photo of me holding my ID and a sign. I have sent in multiple versions and they keep denying it. This is an absurd way to verify and then do not offer alternatives to verify, they wont even speak to me on the phone. I cant withdraw my funds!
Cordoza and wexler services comstantly call me about a civil lawsuit for money owed on a debt. I do not have any passed due bills or accounts. I do not know how they got personal information about me. They keep calling me asking me to confirm information. I refuse to do so because they appear to be a shady company that tries to manipulate people into paying money that person does not owe. They left messages over the phone claiming i can pay them directly. One person even called me a liar repeatedly when i told him that he was a scam artist and that i am not the person he was looking for. His name was XXXX XXXX XXXX.
I have applied for loan forgiveness through Navient ( directly ) and the federal government, but continue to be denied even though Ive worked in a XXXX XXXX XXXX for 13 years. My coworkers have all had their loans forgiven, however Navient has rejected all my requests.
Hello I dont know exactly how it happened but my credit report dropped almost XXXX points as of this month as the Equifax data breach happened and I cant find out why it happened from the company. Please help me put a fraud alert on the company.
PLEASE REMOVE XXXX XXXX SS # XXXX OFF ACCT XXXX OFF MY ACCT AS WELL OFF HIS CREDIT REPORT.
During the month of XX/XX/2018 Navient reported to the credit bureaus $ XXXX balance and late 90 days. During the month of XXXX, I called in to report my loss of income and could no-longer make the payments. I was told I would get a payment reduction plan {$0.00} payment. Navient has note of the conversation but then stated they never offered me a payment reduction plan. I expressed to 3 supervisors and 4 associates this inconsistency in communications has now affected my current resident agreement. The reporting had caused my credit score to drop 73 points. I then tried to make the payments in hope to rectify the incorrect reporting but nothing happened or a response to my issue. I then spoke with a representative whom stated I should send a letter to dispute the incorrect reporting and request a reversal. The rep. also would note my account to get the reporting reversed. I called the number provided to the department and no one called me back after 5 messages I left. No one ever picked up the phone for the ONLY department that deals with credit reporting or reversal. The letter arrived and uploaded to my account which I could view. I spoke with the same rep. whom stated my case was pending. The letter was removed from my account after a week and no rep seem to have any information regarding the letter of dispute being on file. I made additional payment, which I was in no financial position to do and still no response from the department regarding my dispute. All three supervisors were very rude and dismissive of the severity of my case. One supervisor repeated himself over and over when I asked for a manager, another manager stated I need a COURT ORDER to retrieve the phone conversations I've had, the last supervisor said there is no need to discuss it further because there was nothing that department could do but transfer me back to the department that was unresponsive. The supervisor team were less helpful than the representative. I've never felt more abused and disregarded in customer service than I have with Navient. Due to this awful experienced I was forced to vacate my residence. The lack of responsive of customer complaints are none at all. Navient is a horrible company and I will advise all to finance with another lender if possible as they change the rates, payment agreements and do not respond to questions, concerns or complaints. Please shut them down. An organization like this should not be in business, especially dealing with students finances and credit.
I applied online for a new mortgage. I was rejected online. I called USAA Which Said my median Credit score was below 620. 

I asked why use the median score rather than the average. The financial institution says it is ok. I argued it is mathematically and statistically wrong to use the median of three numbers. It just has no scientific basis. It is actually laughable that a financial institution would use a useless statistic to reject my application. No where in mathematics will you find that a median of three numbers has any significance.
We were misled by XXXX XXXX XXXX XXXX in that we came to an agreement on balance owed to XXXX XXXX XXXX. We paid as agreed with XXXX balance. Now XXXX shows a balance of {$3400.00} We feel that this wrong, had we have known we would have settled differently.
XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, MN XXXX has reported a Collection account in the amount of {$1100.00} showing past due as of XX/XX/2018 on my credit report. I disputed this account with the credit bureau and XXXX XXXX XXXX XXXX   refuses to remove it from my credit report. I called XXXX XXXX XXXX XXXX   to advise the debt belongs to my son at the same address however with a different social security number, I offered my my social security number or my son 's social security number for verification and they stated it wouldn't matter because they don't have a social security number on file to verify. My son 's age is XXXX   and my age is XXXX with different social security numbers. I have no other information to give them for verification and really don't think I should have to waste more time on this. This is egregious and I want this debt removed from my credit report immediately.
RushCard has been having system issues since XXXX/XXXX/2015, I had lost my card on the XXXX and blocked it. I called in a day or 2 later to have it unblocked and the representative said it would be active in XXXX hours which would have been Monday around XXXX CST. My card was still not active as of Wed so I called back when I was informed that they were unable to access their system to reactivate my card or remove block. Today is XXXX/XXXX/2015 I have calle dalmost every other day and I still have no access to my funds. I had to move out of my apartment with my XXXX children, I am unable to buy food to feed my family, I am unable to pay my car note or have my transmission fixed that has been broken since last month. I have no money and although family has been helping a little, they have their own families and bills they are responsible for. I do n't have any money, I had to change my kids school because I moved and almost lost my job because of days I missed and came in late. My job will not issue me paper check from check received on XXXX/XXXX/2015 because the funds were not sent back to them so I now have no way to get my check that was direct deposited a week ago. I can not purchase food, winter uniforms for my kids, pay my car note or pay for a taxi to get to and from work, find another place to live because I will have a non payment eviction and it will be hard to find another apartment for my family to live in with an eviction.
I have been fighting the irresponsible behavior of citi cards for last five months. After I complained about it three months back, citi deposited XXXX Thank You points in my account which I had asked in my complaint with CFPB. Then all of a sudden, citi reversed XXXX points without my permission. Now, the XXXX points have also gone. I am seriously concerned about the IT system citi has in place. These kind of irresponsible behavior has caused tax payers billions of dollars in past to rescue citi bank in the past. But, it seems citi does n't realize it and keeps on doing mistake after mistake and makes customer suffer. I would suggest CFPB to take strongest possible action against citi bank till the IT system is fixed and is certified by an independent firm.
I was never given written or oral notification of this debt by the collector. I sent them a letter explaining that and have yet to hear back. I also entered a debt mgmt program with XXXX and will start making payments beginning XXXX/XXXX/16. I requested they remove the collection status from my credit report.
CITI Bank cancelled our XXXX XXXX credit card alleging that given our income we could meet our credit obligations. They say they based their decision on " secret '' guidelines and mywife 's credit report. The latter does not contain income data and our income and payments arejoint. We have been meeting all our credit obligations on time including finishing recently longterm payments on both a mortgage and a car loan. Because they are acting unfairly and in anot transparent way we have concluded that CITI is discriminating against us because of ourage.
This account showed up on my credit report without my knowledge of this company and amount due to XXXX. This has been resolved as I have worked with credit company, XXXX. XXXX did the research and reached out to the company and was able to resolve the issue. XXXX removed this debt from my credit report. It was n't until I went to purchase a home that I found out about this debt that was resubmitted by another company again after I was told it was resolved and removed and the debt was no longer due. It is frustrating that the resolved debt is back on my credit report. I have never received any communication from XXXX or lvnv funding regarding this debt before it was resolved. Now that it is bank on my credit report I still have not had any communication on this, probably it was n't supposed to be on my credit report anyway and I did n't owe XXXX anything.
I was the victim of identity theft. I reached out to Experian to place a 90 day fraud alert on my file. They refused to initiate the alert. They wanted me to provide by certified mail a copy of my government ID and a utility bill before they would initiate the alert. I did not experience this pushback from XXXX or XXXX.
On or about XX/XX/2018, I made a {$6000.00} payment to XXXX XXXX XXXX XXXX ( XXXX ) drawn on my Bill Payer account with XXXX XXXX XXXX XXXX XXXX, which employed XXXX XXXX ( XXXX ) to make the payment. 

Due to an error in my calculations, the check was returned for insufficient funds on XX/XX/2018. 

Even though the {$6000.00} was returned to XXXX by XXXX, XXXX keeps trying to collect the money again. 

I have communicated with XXXX and its first collection agency ( XXXX XXXX XXXX XXXX, XXXX ) several times, sent them a copy of the statement, and even sent them a letter from XXXX confirming that the money was returned, but -- instead of investigating -- it ignores whatever I send, and has now turned it over to another collection agency ( Audit Systems Incorporated ). 

I am afraid that they will besmirch my excellent credit record, and perhaps even sue me for money I do not owe.
I had a " XXXX  '' XXXX MasterCard through Synchrony Bank. I had been receiving emails for the past few months stating that since XXXX " XXXX  '' XXXX would be closing, Synchrony would be sending me a Synchrony MasterCard to replace my existing " XXXX '' XXXX MasterCard. The most recent of these was sent on XX/XX/XXXX. I then received a letter in the mail that was dated XX/XX/XXXX that stated they would be closing my account instead of sending the replacement card. I had been using the " XXXX '' XXXX MasterCard and it carried a balance until recently. They were willing to issue me a card while I was carrying a balance, so much so that when I logged onto the website they had already set up the Synchrony MasterCard   account ( XX/XX/XXXX ) with a whole new card number. However, once they received my money and after I had paid off my balance on the card in full, that they close my account ( XX/XX/XXXX). I had no history of late  payments on this card or any other derogatory remarks from the company.
Paypal has illegally seized my funds, without prior written notice or warning, and has not provided any information as to why or offered any recourse to resolve the situation.
In XX/XX/XXXX of XX/XX/XXXX, Medical Data Systems began reporting two medical collections from XXXX XXXX Hospital in the amounts of {$330.00} and {$2000.00}. I do not owe these amounts, as I was employed with XXXX XXXX at the time of treatment and told, directly, that anything not covered by my insurance would be written off as charity. This is a practice the hospital regularly engages in, and I should think Medical Data Systems is aware of this. I never received a bill from the hospital, so of course I assumed this was done and I had nothing to worry about. In XX/XX/XXXX, I was denied a loan and found that I had these collections reporting to bring my score down. This was the first Id heard that the debts existed and I disputed them with the various reporting agencies. They were verified as accurate by Medical Data Systems and continued to report. I then attempted to dispute the debts with Medical Data Systems directly, on XX/XX/XXXX. It has been almost three months now and I have received no response. The collections remain on my credit reports. I do not understand how they report debts and verify them without any proof, especially when directly asked for the proof.
I received a threatening letter from a Van Ru Credit Corporation about a {$20.00} balance towards XXXX XXXX XXXX XXXX. We have no debt with this company as far as I can tell with research, and have no outstanding balances with any of our medical practitioners. Normally, XXXX XXXX will send us a paper bill within 30 days of any appointment, but we have not had a XXXX ( local hospital group XXXX related appointment for nearly a year now. Additionally, when they send us a bill, it is always on the exact same form. This is a company I have never heard of, and in highly questionable font and format. Because we take extraordinary care to monitor our credit score, seeing this XXXX confused and upset me. I do n't recall having even a 'first ' notice on any {$20.00} debt to XXXX XXXX XXXX much less ignoring something long enough to require debt collection. Also ... {$20.00}? What an odd amount.
I filed a dispute claim for unauthorized transaction on XX/XX/XXXX around XXXX for XXXX and a unauthorized transfer from my account to another party account on XX/XX/XXXX for {$250.00} dollars. The dispute claim sent me a message on XX/XX/XXXX saying they didnt find no errors made. So I had sent them over some documentation saying I was a victim of identity theft. So they sent over a message saying on XX/XX/XXXX there wasnt no declines for insufficient funds made, so I keep stating to them that the person who stole my identity was someone they was very close to me friend/ family member who knew I just received my tax refund. So of course someone close they knew how much to take off. And they also saying my pin wasnt changed prior after the transaction was made and I also explained to them that I didnt realize my funds was stolen until the next day when i realize someone around me had stolen my wallet. So thats when I called to check my balance and cancelled my card. Than comes XX/XX/XXXX when the transfer was made the same close person to me knew I issued a new card so they knew my account number and everything because my wallet had my social security number and everything inside so they made a transfer from out my account into my cousin NetSpend card because they stole his card as well, a mastermind when it came to taking my money. Basically XXXX XXXX NetSpend Prepaid XXXX dispute claim is calling me a liar and saying that I was the one who spent my funds and that Im not a victim of identity theft and its not fair to me nor my kids that I couldnt handle all my business because I came up short.