WillisBack/dataset-financial-user-claim huggingface dataset:
My last plea for help was on XX/XX/2018. I have been asking for SEVERAL months that Experian and XXXX   update my correct name and address on my account so that I can dispute online. As of today 's date they STILL have not corrected my name and I can not dispute on line
I cosigned a car loan financed by Peak Acceptance Corporation, they continued to report a loan I had with them as opened/late on my credit report. The vehicle was repossessed back in 2013 and has charged my account over {$3000.00} in interest without any statements being sent to me. I have disputed this information through XXXX and have not seen any changes on this loan information.
During my first initial talks with Fairway Mortgage ( XXXX, ID office - XXXX ) I explicitly asked how twice monthly payments would be applied. I was they would be applied once received less a few days for processing. I even went-on to press the point, given that my mother 's mortgage will take her payments whenever, but they wo n't be applied until they are due. Thus, sending twice monthly payments does nothing ; the loan servicer has her money, they continue to charge her interest, and her payments do n't reduce her mortgage until they are due. I cited this exact example and he said no, that is not the case. He even went-on to voice confusion and concern for my mother 's mortgage ; I explained that it 's about 15 years old and maybe that has something to do with it. This was a point for me, as we make twice monthly payments in-order to shorten the life of our loan ; this mortgage is my only debt, I purchased a 15 year mortgage ; I want to be done with it ASAP. 

My loan was then sold to XXXX. 

After many requests by XXXX, I have received a full amortization schedule ( they had been providing me summary information ). Details of my payments show that my payments, just like my mother 's, have been received and cashed as received ( twice monthly ) but once again have not been applied to my loan until due ( or until both payments have been received ). I voiced my concern that this was not what was sold to me, this will add hundreds in interest, and many months to our loan. At this point, they directed me back to Fairway. 

After contacting Fairway ( XXXX is no longer employed there so I spoke with his manager, XXXX ) I was told that it is up to XXXX how to apply the payments and they do n't have any control over that. I pressed the point that I signed a form, along with the numerous other mortgage forms, OK'ing Fairway to sell my mortgage ( which they did to XXXX ) only if the terms and the loan does n't change. Although my interest APR did n't change, the way in-which it was applied did. Which equates to a change. Fairway disagrees. When asked who to contact, Fairway directed me to their corporate office and made no mention of CFPB.
THERE HAS BEEN SOME UNAUTHORIZED WITHDRAWALS FROM MY BANK ACCOUNT.I WOULD NEED TO GET A NEW DEBIT CARD, BECAUSE SOMEONE HAS MY CARD.THE WITHDRAWAL WAS FOR XXXX TWICE AND XXXX
What I said in my complaint ...        To whom it may concern, I mailed a Multiple Inquiry Removal Letter  on   XXXX   XXXX   XXXX   by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on   XXXX   XXXX   XXXX   and they completed the request on   XXXX   XXXX   XXXX  . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules,  FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. This many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case, and is hindering building my credit as I plan to purchase a house by the   end of the yr or early  XXXX . I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
XXXX XXXX XXXX they also go by Resurgent Capital Services LP. I have settled amount and they my company is still sending them a payments from an old judgement they sent another old judgement signed by the judge a long time ago after it was alrey paid. This business needs to be shutdown because they have done this to a lot of different people after I searched their name on XXXX. The same thing is happening and they are calling me and they just started calling me again threatening me that I am going to lose everything I got if I dont paid this and I will lose my job because they are going to call them and tell them that I am a bad employee because I dont pay my bills and I am in the financial field. Please do whatever it takes to put this company out of business
In XXXX my husband and I claimed a bankruptcy due to loss of employment. Part of that bankruptcy was a stipulation or modification with BMO Harris ( BMO Harris attorney was at the hearing ). The stipulation was that we pay XXXX per Month for 36 months with no interest and XXXX per month beginning on XXXX/XXXX/XXXX with an interest rate of XXXX %. My husband and I followed the stipulation and now that our bankruptcy is discharged and our credit rating a little better decided to refinance for a lower rate and combine the first and second mortgage. 
We had to request a payment history from BMO to show we had paid our payments timely. When the payment history was provided the payments were not recorded timely. Sometimes a whole month was skipped and two payments recorded the next month. Sometimes the payments were recorded late in the month. This did not show a consistent payment so I had to reach out to my bank for the history from the bill pay with chase bank to show that I had paid on time each month. This almost affected my ability to get a refi. On the payment history provided by BMO it showed a balance of XXXX. While I understand that this is not a payoff, it is usually pretty close. Prior to closing we requested a payoff. We were first told it would take 3 weeks. After some argument they said 5-10 days. When the payoff was finally sent it showed a balance of XXXX. This was a huge surprise. BMO despite that fact that my BK had discharged and I had requested statements did not send any.
When calling BMO Harris I spoke with XXXX who said that they had applied my whole payment to principle and had not followed the XXXX % that they were supposed to. This was another obstacle for us to be able to refinance as the amount was XXXX over what was on the payment history sheet sent previously. They did not follow the court order of the Bankruptcy, and were now wanting to back charge me all of that interest. This also will affect my taxes. I am trying to better my financial situation as a responsible consumer and kept my home instead of adding to the ugliness of the home crisis at that time. BMO Harris seems to have been irresponsible and I am now paying for that.
I feel that Bank of America committed an act of retaliation in the most obscene and disgusting way possible. On   XX/XX/XXXX ,  I placed a claim of fraud agains t one o f their customers in which I sent a transfer to. By mid   XX/XX/XXXX , th ey were stating that they stopped trying to get the money back. Honestly, I feel like they never tried, so I was out of my money of {$1400.00}. I tried to escalate this to the CEO of the company and apparently this was a huge no-no in their little world. Let me add, that not once have I overdrafted my account. So, here is the deal, today,   XX/XX/XXXX  2017,  m y deposit of almost {$900.00} hit my account for the week. Fortunately, I got gas at the beginning of the day and a few sodas, but by mid-day, on a Friday mind you, they instantly decided to shut down the account. No telephone calls, no emails, no letters in writing, nothing formal and I am left in the dark without a clear idea of what happened. I, then, called the customer service unit and got transferred. When I asked for a clear reason why my account was closed, there was no clear reason of why it happened. I was left completely in the dark. I got served with " Bank of America has the right to close your account at anytime ''. Well, that is nice, but why must the representatives of the bank be so smug and arrogant about it. This is hardly professional. It is almost like I worked for a week and Bank of America took it upon themselves to say " Well, we got this scammed out of {$1400.00}, what is anothe r $  XXXX +?  '' " He can handle it and we do not care if his refrigerator is empty, we do not care if his car payment is coming up due, we do not care if his day to day expenses need to be covered. We just care about  XXXX  this guy over because {$1400.00} was not enough. '' This is deplorable, unethical, and yes, I understand, perfect legal, but how am I to live over the next several days? All my money is wrapped up with the bank and they state how they will let me take my money from branch office. Yeah, they are giving me permission to come to the bank in  1 to 3  business days to get my own money. Guess what, Bank of America, THAT IS MY MONEY AND YOU ARE COMMITTING ACTS OF FRAUD AND MONEY LAUNDERING. You are holding my money, loaning on it, gaining a nominal interest rate on it, and doing of ton of interesting things that only banks like you know to do with it and what do I have? Nothing, nada, zilch, and a complete and utter upheaval of life. You have no class and that is unacceptable. Just because it was legal to close my account, you could have given me a date of when the account closure was going to happen to insure that I stopped checks, ACHs, and other items from being withdrawn from the account.
I haven't used my Chase Slate card in about 9-10 months. I actually forgot that I still had the card. My card was damaged and wouldn't work anywhere so I ordered a new card and started using it once again. Upon using the card again everything was ok and working. Chase sends me a letter stating unsatisfactory relationship with them. Whatever that means. I have never been late or missed a payment with them ever. I have never missed or been late on anything in my life. They can see this through my credit report. Nothing giving a detailed explanation of why they would send me a replacement card to use and then close my account shortly after receiving and using the card. During the call to get a replacement card mailed, I tired a credit line increase in which I was denied of. Which is fine thats a small hit on my credit but to close my account for no reason explained after all this is absurd.
I have several accounts/creditors that have been disputed that are re-aging items on my report many that are n't even valid. They are reporting accounts as if they are new deliquencies when they are not some I 'm not even liable to pay
Well first I had a fraud alert on my account which should of disallowed anyone to access my report without my explicit permission. Well that didn't work and when I went to buy a car the dealership repeatedly applied to all these different companies without my permission. No one came to me and said, ok the first inquiry didn't go through may we try the next? They ran it over and over again without my permission until they got a company that would fund me. I want all of these hard inquiries removed from my account, I tried removing them using my credit reporting agency but I was told that the company had to remove it and most of them dont have an address. Please remove the following hard inquiries from my report that all occurred on XX/XX/2018. Thank you Equifax => - XXXX XXXX XXXX - XXXX XXXX - XXXX | XXXX => -  XXXX | XXXX => - XXXX XXXX
in 2014 my information was used at a hospital for treatment. I submitted a dispute with Equifax explaining that in 2014 i was in XXXX and couldnt possibly be in a hospital. Equifax did not complete an investigation to verify if i was in XXXX, only submitting to the collections company to verify my info. This investigation took longer than 30 days and i did not receive anything back. i called back requesting this be removed from my report and was told they are not allowed to remove data, the only thing they can do is submit another dispute. Agent XXXX # XXXX admitted to not investigating my claims.
Since XX/XX/XXXX, I have disputed the inaccuracy of my payment history ( XX/XX/XXXX ) for all eleven of my federal student loans to the credit reporting agencies ; XXXX and XXXX ( XXXX has followed FCRA laws and updated my account information ). my dispute investigations keep resulting in verified account information. This ca n't be accurate and I am questioning the validity of the verified account information because I have documentation that illustrates I was granted a forbearance period for my federal student loans for the period of XX/XX/XXXX-XX/XX/XXXX in which XXXX has it reporting a 90-120 day late payment status. If my accounts were n't current during that period, I wouldn't/could n't have been granted a forbearance period.This information is not correct and per the FCRA [ section 623 ( a ) ( 2 ) ] ANY updated account information must be reflected on the credit report. It is also the Credit Reporting agencies responsibility to ensure that all credit reports are 100 % accurate, in which my accounts are not. A Forbearance period marks your monthly payments as current while you are not paying on your loans and mines are n't reflecting that. I ca n't have late/missed payments and be on forbearance simultaneously. My forbearance grant should be updated and reflected on my credit report. I spoke with a Federal loan servicing rep by the name of XXXX ( ID number XXXX-information in attachment ) at XXXX Eastern time on XX/XX/XXXX and she informed me that the dispute process was a 60 day process and that my dispute was still under progress ( would be completed at the beginning of XX/XX/XXXX ). She also stated that once the dispute process was complete the disputed information would be corrected, updated, and reflected on my credit report. I have attached documentation that illustrates that I was granted a general forbearance period for the time frame that XXXX and XXXX is reporting missed payments. This hassle of back and forth with the credit reporting agency and Fed Loan has caused tremendous financial suffering due to no fault of mine.
I have a dispute with Equifax about  XXXX   XXXX   XXXX   XXXX  about # account number  XXXX  with myself not being knowledgeable of opening an account with this agency. I have written Equifax and ask them to prove to me that I had an account with  XXXX   XXXX   XXXX  and to show me some type of documentation of proof that I owe this company any monies and so far iIdid not receive any documentation of proof that I owe   XXXX   XXXX   I am asking that Equifax either show me any type of Documentation proof that this is my original creditor and that I had an account with them if not I want this account REMOVED from my  XXXX  CREDIT REPORT as soon as possible. I do not think it is fair for myself to keep requesting proof from   XXXX   and they keep claiming that this account had been verified with no documentation to prove it that i had an account with  XXXX   XXXX   XXXX  agency as the account original creditor.
I heard about the scandal with Equifax and was sent the email to check to see if I was affected. According to the link, it said there was a good chance that I was affected based on the information that I provided. The date that I checked was today, XXXX XXXX, 2017.
In XXXX XXXX 2011 XXXX XXXX XXXX XXXX XXXX sold my property to the same investor BANK OF NEW YORK XXXX XXXX XXXX XXXX I filed a lawsuit against them we did a seattlement obtaining a loan modification on the account but I never got title back, the property is not showing on my name the title is showing still with the name of XXXX ( XXXX ), I had contacted the attorney that represented the trustee and the investor with no results until now, they dont know what happend to my case and the lender who is now Nation Star said that I XXXX XXXX appear as the owner, but I have a person living in the property that I wanted to do an unlawfull detainer and is not possible because Im not holding title. This continues to affect my credit since is showing as Im late, I also have a city report with a ticket becuase of the bad condition of the proeprty I cant fixed becuase the tenant doesn allow me to enter in the house because according to him and his attorney Im not the owner.
Hello CFPB, I have been making reduced payments to Navient since XX/XX/XXXX due to financial hardship while my account was being reviewed. Navient then stated that I need to make higher monthly payments without clearly communicating nor acknowledging the program requirements. I have been in communication with Navient to continue with the reduced payments to prevent my private loan from going into default. I have sent in paperwork to show I can not make higher payments and was denied ( 3 ) times. One of the reasons I was denied according to a Navient representative was, " the director has an issue and/or does not agree with the amount you pay for rent. '' Navient phone call recording will validate this conversation. I have recently spoken with a representative multiple times this week starting ( XX/XX/XXXX ) via phone in attempts to negotiate and was not advised that my account was already placed in default. I received a letter in the mail today ( XX/XX/XXXX ) that was allegedly written and mailed on ( XX/XX/XXXX ) stating I have until ( XX/XX/XXXX ) to " make suitable payment arrangements '' even though I'm currently still making the same reduced payment. I believe this is fraudulent activity and illegal practice on behalf of Navient. I would like to explore other options to discover a reasonable solution resolving this issue that ultimately does not result with my account in a default status. 

Thank you for reviewing this matter. 

-XXXX
We purchased a property XX/XX/XXXX in XXXX, NC. Our mortgage was sold to SunTrust Mortgage. They accepted our flood insurance last year but this year for the renewal they will not pay the premiums out of our escrow. They stated that the insurance is not backed by National Flood Program. Our property is in a XXXX Resource Area and federal flood insurance is not available. We have asked several insurance companies, banks, homeowners association officers and no one has ever experienced this. In addition, we became aware of a NC state law ( Biggert-Waters Flood Insurance Reform Act of XX/XX/XXXX ), which basically states that our lender MUST accept the insurance we have through Sterling Surplus. Yet SunTrust still refuses to accept and pay. 
We want SunTrust Mortgage to pay the premiums out of our escrow and accept our insurance.
This account have absolutely NO MERIT and should not be on my credit report due to the nature that theyre fraudulent. I have enclosed all the information needed to furnish a permanent block on my credit report. 

The account with XXXX XXXX and the account with capital one XXXX for {$2500.00} that was sold to XXXX XXXX XXXX are both fraudulent and under the FCRA 2009 ( a ) should not be reported due to the nature theyre fraud. Also under the FDCPA ( Fair Debt Collection Practices Act ) XXXX XXXX XXXX MUST contact the original owner of this debt and inform them of the information furnished and that the account is fraudulent.
My credit card number was stolen and fraudulently used to purchase services in XXXX. I am a resident of XXXX and was traveling to XXXX and XXXX at the time. I called the credit card company, USAA, and disputed the charges. I spoke to at least XXXX individuals who repeatedly lied to me about the state of my credit card and my ability to use it while traveling ( I would be stranded without hotel or food. ) This was back in XXXX. Today, USAA claimed one of the XXXX businesses claimed the charges were valid. Despite the fact that the fraudulent charge was not made under my name or the name of anyone in my family, USAA is holding me responsible for these charges. Further evidence I did not make these charges is that I was not in XXXX at the time -- as plane tickets bought with my USAA card show -- and the card was used for vehicle services on a vehicle I do not own -- as my car insurance with USAA would show. Despite all of this evidence, USAA is attempting to charge me for these fraudulent charges. I am being given NO RECOURSE to bring up these pieces of evidence. Furthermore, since XXXX, USAA representatives have repeatedly treated me in a condescending fashion and lied to me about the state of my card. I fear USAA may be colluding in a SCAM with the disputing company, XXXX. Furthermore, given the way the USAA representatives treat me and the way they pronounce my last name, I believe my ethnicity may be involved with their choice to participate in this fraud.
Your company Synchrony Bank, Care Credit 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 ).
The company never provided details of the alleged debt when requested I have disputed this debt which I do not owe, I am an employee of XXXX XXXX and this should have never become a collection matter
My complaint is about my daughter 's college loan debt through Navient. I am the co-signer. I receive mail, email, and phone calls from them. 
Navient calls me at least XXXX a day seven days a week. If I answer, they ask for my personal information- my birthdate. I have told them at least XXXX times that I will not give this information over the phone to someone that calls me. I have asked them to stop contacting me by phone. My daughter is behind on her payments. Her husband has had some periods of unemployment so she is doing the best she can. I have responded to them by email and told them that my daughter is responsible for the loan and that she intends to pay it off. I have never heard of a co-signer being harassed this way. The loan has not gone into default.