WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX is in violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Under FTC v. XXXX XXXX XXXX ( XX/XX/XXXX ), a Federal Trade Commission lawsuit against a licensed or registered collection agency, whereas the collection agency paid millions in fines and penalties, a criteria was established on the collection of debt where interpretation of laws were established. That criteria is as follows : 1 ) The debt must be within legal timeline limits that it can be collected through a summary judgment process in the state of the consumer 's residency. In this case, both accounts started with HSBC Bank, went into default in XX/XX/XXXX, and then taken over by XXXX XXXX in XX/XX/XXXX. Both accounts are long past any redeeming collection period. 
2 ) The consumer must be given a 30-day notice that the collection will be posted on credit, and shown proof that the collection item has been assigned or purchased, or both. 
3 ) The consumer must be given his rights to dispute under the Fair Debt Collection Practices Act. In this case I was never notified by XXXX XXXX or XXXX XXXX XXXX. 
Both accounts have been re-aged, show no previous ownership as stipulated under the Fair Credit Reporting Act, and there is no payment trade line. The original owner, HSBC Bank is off credit completely as the legal timeline limit has come and gone. XXXX XXXX XXXX is in direct violation of FTC mandates on this type of illegal collection process. The Consumer Financial Protection Bureau needs to step in to sanction XXXX XXXX XXXX for these continued FCRA and FDCPA violations. Both accounts must be deleted on my XXXX credit report immediately and permanently.
I have a mortgage with Ditech and while I have been making payments to my loan, they have not posted my last three payments properly. The put three full monthly payments into an unapplied account and as a result, my loan appears to be past due four months. I called on XXXX XXXX, XXXX to bring this to their attention, they apologized and stated they were n't sure why it did that and promised to correct it and correct any negative credit reporting this issue had caused. Now today I look and nothing has been changed or corrected. This finance company has no right to not give me proper credit for the payments I 'm making toward my debt. Today, they tell me there is a loan modification in effect but I have not asked for one nor do I want one ; their intention to do that would be to undermine all payments and progress I 've made toward this loan over the past 12 years. I informed a representative over the phone around the XXXX or XXXX XXXX time frame that I had no intentions of modifying my loan.
In XXXX 2016 I pulled a copy of my credit report. I sent a certified letter to SYNCB/Walmart which was listed on my credit report on XXXX XXXX, 2016 which was signed for on XXXX XXXX, 2016. I requested validation of this account. On XXXX XXXX, 2016 I sent another certified letter in reference to the same manner. I pulled another copy of my credit report on XXXX XXXX, 2016 and noticed that this same company had not furnished the credit bureau 's with the required disclosure within the required period by law. I sent a certified letter on XXXX XXXX, 2016 to SYNCB/Walmart informing them that they had not furnished the credit bureau 's with the required disclosure, within the period required by law. Federal law requires them to place a " notice of dispute '' on my account within 30 days of my original dispute which they signed for on XX/XX/2016 certified mail. Copies of my credit report are enclosed with this complaint to show clearly that the " notice of dispute '' is not showing. This report was printed on XX/XX/2016 which is well over the 30 days that they had by law to comply with the federal law. SYNCB/Walmart is clearly in violation of breaking federal laws.
I have a home loan with chase bank that I had on auto payments. I was un aware that chase bank sold My loan. And I was not aware of the change and was not notified chase sent the payment to XXXX XXXX XXXX for awhile then they sent the payment back to me and I sent it to them and that is way it was late.
In XXXX 2012 my homeowner 's association foreclosed on the property I owned that was serviced by Ocwen Loan Servicing. Before the foreclosure, I tried to obtain a modification for 2 years. Since the homeowner 's association purchased the property in 2012, Ocwen continues to report 180+ days past due on my credit report. This is killing my score and has affected employment offers and kept me from being able to restore my credit and purchase another home. I hired an Attorney to find out what I still owe Ocwen - since the association now owns the property. However, Ocwen has not responded.
Back in XXXX 2015 I mailed my request to have my consumer report sent to me so that I can go over the information. I receive the consumer report and noticed there were alot of inaccurate information being reported and this could harm me for employment, financially and negatively in every aspect. On the report they have crimicl information for Texas so I contacted the XXXX XXXX Police department and received a letter from them saying those charges were dismissed because I was n't in Texas. There are several other charges on there associated with addresses that I have disputed because of ID Fraud those items also needs to be removed, They have a judgement that is n't mine that also should be removed. On top of inquiries that I did n't authorize that should be deleted. Safe Rent also have my parents address on my report as mine and this information should not have been included at all. There are XXXX dismissed eviction filings that needs to be removed as well
I have NEVER been XXXX XXXX XXXX, XXXX XXXX and have never lived at XXXX, ( NEVER and apartment number, this is a house ) orXXXX XXXX ( House no Apt number ) orXXXX XXXX XXXX ( This belonged to my EX husband ) orXXXX XXXX ( This belonged to my EX husband ) I never worked for XXXX or XXXX ( My EX worked there )
XXXX just called me and threatened me with jail. They did n't tell me what the debt was or how much or who the creditor was. When I pressed, they said in XXXX XXXX and hung up on me. They called from the # XXXX
I recently received a cash bequest which I used to pay off large amounts of debt. I did this for 2 reasons ... 1. I am now a retiree and I wanted to reduce my monthly outgoings and 2. I wanted to improve my credit score as I am about to purchase a new car ; I wanted to finance this. 

I paid off my ~ $ XXXX mortgage and my $ XXXX HELOC with XXXX and I paid off my $ XXXX Auto Loan. I still have another auto loan ( ~ $ XXXX ), a 0 % interest credit card with about $ 16k outstanding, my XXXX Platinum Card and I have no serious delinquencies. 

My initial complaint was with XXXX as they were still reporting my ~ $ XXXX HELOC as outstanding nearly 2 weeks after I had paid it off and this was affecting my credit utilization which was at 51 % before the loan payoff was acknowledged ; this gave me a credit score of around 700. I applied to XXXX XXXX for an auto loan for my new car and I was turned down flat by every lender. I was told that my credit utilization was too high. I complained to XXXX and the Credit Reporting Agencies that old data was being reported and this was detrimentally affecting my ability to borrow money and XXXX fixed the reporting on their end. 

I didn't need my HELOC anymore and I was not going to use this for my Auto Loan as the interest is too high and it's an adjustable rate. XXXX asked me if I wanted to close the account which, of course, I did as the account is redundant. Nobody warned or advised me that this could have a damaging effect on my Credit Rating.

Once TransUnion acknowledged that the loan had been paid off, they sent me a mail alerting me to a change in my credit score. I had paid for credit monitoring and I logged into my dashboard to find that my credit score had dropped to XXXX. I called TU to discuss this and I was told that the act of closing my HELOC was/is viewed negatively but they were unwilling to explain why. 

I have an excellent ( 24 year ) record of responsible borrowing and on-time payment. I now own my house free-and-clear ( ~value $ XXXX ) and my current car ( ~ $ XXXX ) and I have liquid assets of around $ 450k and semi liquid assets ( investments ) of around $ 450k. 

Why did XXXX not warn me of the potential negative outcome of closing my HELOC account? 

Why am I being penalized for paying off my debts? I can now no longer borrow money at all. If I could borrow, it would be at exorbitant rates of interest. 

How can this be fair or even legal? 

Why are people not given clear information on what affects their Credit Ratings so that they can make the appropriate decisions? I would not have closed my HELOC account if I had known that this would cause my credit score to crater. 

It seems that I am being blackmailed into staying in debt to avoid my credit rating being damaged ... this is extortion.
Background information regarding a criminal charge is incorrect. I tried explaining to the consumer reporting agency 's rep how the information is wrong and the rep can or will not understand or take the time to understand me correctly. I got denied employment because of this. Every time I called I spoke to the same rep almost like he 's the only one. I told him all they had to do was rerun the check and they should get the correct information but was told the company I applied to would have to run another check on me in order for that to happen. Also, the background check shows the starting date of the check on that particular search was started a week later than all the other searches for reasons unknown.
I have been disputing with XXXX XXXX all of 2017 with Experian and even when I provide proof that company did n't have the correct information regarding their ownership of the debt or provide anything, Experian still marks it as verified.I also reported company to the CFPB and XXXX XXXX still fails to remove the negative information they have off my credit report.When I called Experian over the phone within the last few days they admitted that they do n't verify the account themselves they use a third-party.But never sent me any proof that they actually did the foot work
I have attempted to open bank accounts at XXXX different banks in the last year. All XXXX have denied me saying that I have records reported at ChexSystems. I have ordered by ChexSystems report and all areas for Reported Information, Inquiries Not Initiated by XXXX, XXXX, and History of Checks all say " No Information Found ''. I do n't understand why I 'm being denied bank accounts? Please help
WHAT HAPPENEDProduct : Experian Credit ReportingIssue : Credit reporting agencies ' ( CRA ) investigation was inadequate and failed to consider Creditor Payment History spreadsheet and Borrower Check LedgerDescribe what happened so we can understand the issue ... 

Experian Refused to Require Credible Debt Verification on the Part of Major Subscriber XXXX. 

The Federal Trade Commission and the Consumer Financial Protection Bureau should take the lead in forcing Experian and XXXX to comply with Federal Law and Federal Court Order. Moreover, CFPB has recently issued a Bulletin finding inadequacies in the CRA validation process and there is a pending Federal Court case challenging same ( State of Mississippi XXXX Experian Information solutions , Inc. XXXX ). 

Experian refuses to require " Furnisher '' XXXX to bring its credit reporting system into compliance with the Fair Credit Reporting Act ( FCRA ) ; acceptable debt validation process in general ; and, the XXXX 2014 United States District Court Consent Order, in particular. Experian continues to use unverified data provided by XXXX in its valuation of credit reports and resulting credit scores. Although the Consent Order systematically invalidates XXXX data collection/reporting process, Experian appears to be acting in tandem with XXXX to refuse to facilitate credible/acceptable debt verification. In fact, Experian simply ignores the existence of clear and convincing evidence that XXXX has " routinely '' misreported debtor payment history and otherwise made inappropriate " assessments '' to Borrower accounts. 

In the instant matter, Experian unilaterally accepts XXXX undocumented position that I am {$15000.00} behind in mortgage-related " assessments '' and 12 months behind in mortgage payments. Among other credit report wrong-doings, I am legally entitled to copies of Experian 's debt validation referral to Furnisher XXXX - and XXXX response. XXXX and Experian should not be allowed to engage in secret communications concerning debtor account and inquiries. I have repeatedly requested a detailed breakdown of the alleged and bogus {$15000.00} assessments and identification of the specific 12 months of mortgage payments I am allegedly in arrears. Providing this information is crucial given the District Court 's invalidation of XXXX internal reporting system, and the fact most of these charges were assessed during the period I was under Chapter XXXX protection ; a clear violation of Federal Bankruptcy law. 

Experian should not be allowed to ignore un-refuted evidence ( in the form of the Consent Order, check ledger and Payment History spreadsheet ) of wrong-doing and systematic misreporting on the part of XXXX of its major subscribers.
There are several hard inquiries that i never authorized to run my credit and some are on there multiple times. The Inquirer and Dates are as follows : Name : Date : XXXX XXXX NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
This credit collection agency states that I owe XXXX for a bill that is n't mine. I have never received their services ad furthermore I was a minor at the time of this service. I contacted the collection agency on XXXX17 and was told it was mine and anyone could have gotten it in my name. Well duh is n't that identity theft????
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXXXXXXXXXX SS # XXXX XXXX Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from WFDS which was made on XXXX XXXX/2016. I checked my credit report, which I acquired from XXXX. I have contacted WFDS, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,
Dear Sir/Madam, Let me explain the situation below : ( 1 ) Monthly billing of my internet service was from date XX/XX/XXXX to next month XX/XX/XXXX of each month ; ( 2 ) My internet service was terminated on XX/XX/XXXX when I called the internet company for cancellation because I switched to another internet company on XX/XX/XXXX. A customer service person from the internet company told me on phone that in next billing, I would receive the 6 day usage charge about {$13.00}. 
( 3 ) I had only used 6 days from XX/XX/XXXX to XX/XX/XXXX but the internet company billed me full month charge which was {$82.00} in my online account. I called the internet company on XX/XX/XXXX and a customer service person from the internet company told me on phone that the billing would be fixed in next month ; ( 4 ) On next month, I received {$82.00} billing letter on XX/XX/XXXX. I called the internet company again on XX/XX/XXXX. Another customer service person from the internet company told me on phone that the billing would be fixed in next month ; ( 5 ) On XX/XX/XXXX, I received a collection billing letter with {$82.00}. I called the internet company again in same day. I paid {$13.00} for 6 day usage already. Another customer service person from the internet company told me that she had no right to change the billing and asked me to call a phone number but I could not get response by this number. 
( 6 ) On XX/XX/XXXX, I received a letter from CPA. 

I would like to have your help to contact the internet company to resolve the issue. 

Yours truly A customer
We pay our margage to Wells Fargo every month ' it is not showing up in out depts
my agent sent in her authorization with the ss info of both of us, and US Bank required HER ss number as well. She wrote it on the auth, and NOW they won't speak to her, they say they need her Company 's info, which is a bunch of nonsense. They are doing everything to foreclose on me and won't speak to my agent even though she's followed all the rules. We have an offer in and are attempting to get the foreclosure sale date postponed. The US Bank rep was XXXX XXXX # XXXX.
Payment due date was one day earlier than I made payment online. No issues with my failure to comply on time. As I never revolve on these accounts, my concern was the average daily balance and interest continuing to accrue until the average daily balance was XXXX or less for the entire billing cycle. Discontinue using card for several months and paying extra to cover one extra day of interests and prevent minimum {$2.00} charge next month was my plan.

4 Options for payment online were 1 ) Full 2 ) Last Statement Balance 3 ) Minimum and 4 ) Other Since first 3 options all were for {$10.00}, I tried to pay {$15.00} using Other amount option. Would not allow stating it could not exceed Full amount. Full amount does not include unposted fees even though we all know they are accruing. This clear effort to prevent intentional over payments to avoid credit balances while also increasing revolving credit interest income seems very deceptive. To force me to mail or wire a separate payment via other means is not very efficient or consumer friendly in my view and I would ask that the Consumer Finance Protection Bureau seek to end this practice of preventing consumers the option to intentionally overpay to avoid additional fees or interest.

Thank you for your consideration.
This debt has been paid and is scheduled to be removed from my credit report in XX/XX/XXXX 2017. I am requesting that it be removed from all three major credit bureaus immediately as this negative account is hindering me from obtaining credit.
i sent payment in full on a debt for XXXX the payment was refused and she added on over 150.00 in fees and threatens to take more legal action against us
Id like to dispute a late mortgage payment from XX/XX/2015, a XXXX card and XXXX   card all from the end of XX/XX/2015.

I made these payments through the Bank of America portal like I do all of my bills and for some reason they did not post within the correct timeframe. I did contact Bank of America and they informed me that they werent aware of portal issues but that because I called they would effect my credit. I just learned that it has affected my credit through a credit report.

Im not sure what to do since Ive just become aware of this. Im not sure Bank of America records their calls but if they do then thats the only proof I have.

I dont have bad credit since my score is XXXX but I would like to have these marks corrected.

Thank you
On my Equifax report, my address city is listed as XXXX, Tx XXXX. Up until about 1998 this was correct, but my subdivision then incorporated and formed its own city XXXX XXXX, Tx XXXX. How can I simply get Equifax to correct this address issue? 
Thanks, XXXX XXXX
Yes, they have a vehicle on my credit report that I did not purchase. It says with a creditor named XXXX XXXX XXXX. I have asked them to get the creditor to provide a signed contract for purchase with my signature requesting a loan with this company. I have asked in the disputes and have not received any information or the removal of the creditor from my reports.
Dear Transunion, I am requesting the removal of this bankruptcy ( below ) on my Transunion credit report due to XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX., v. XXXX XXXX XXXX XXXX XXXX, I did not know the source of their information on the Bankruptcy and due to this, Transunion has violated the Fair Credit Reporting Act ( FCRA ). Please remove this bankruptcy ASAP. 

Bankruptcy Ref. # XXXX Since this is a request and not a dispute, I would like to receive confirmation that this Bankruptcy listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated.
I would clarification the XXXX Residential Loan Application for Reverse Mortgages. As per the XXXX it is stated that the Mortgage applied for was FHA Traditional HECM. The FHA Case No. XXXX XXXX and states the loan payment plan is a line of credit. The monthly statments clearly state the loan is a LUMP SUM. The Lender Cas No. : XXXX states that the purpose of the the loan was for ADDITIONAL INCOME. XXXX questions-when did I receive additonal income? I brought additonal income for this Reverse Mortgage. Now I will skip over to the Final Loan Terms Document lists the initial interest rate at 4.990-Annual MIP Rate $ XXXX-Expected Rate/Fully Indexed rate-4.990-Maximum lending limit $ XXXX-Initial Principle Limit- $ XXXX-Other Closing Costs $ XXXX-Mortgage Lien Payoff $ XXXX-Repair Set Aside- {$1300.00} Initial Funded Balance XXXX Another Closing Document numbered XXXX Applicable Law states All interest, Fees, and other amounts charged or accruing with regard to this loan, and all related documents, which are considered " interest '' under Section 85 of the National Bank Act ( 12 U.S.C. 85 ) as implemented by 12 C.F.R. 7.4001 ( a ), as amended from time to time, shall be governed by and interpreted under the usury and other applicable laws of XXXX. In all other respects, the loan and related documents, as well as the rights, remedies, and duties of the lender and the borrower ( s ), shall be governed and interpreted by federal law relating and applicable to national banks and their operating subsidiaries and, to the extent not preempted by federal law, by applicable state and local laws of the state where the real estate securing the loan is located. 

The Applicable Law Act was enacted to protect the consumer. 
Could you explain the legality of the Applicable Law Document since the property is located in XXXX? 

I expect to have my investigation done by XX/XX/2016 since I have many other concerns with the documents enclosed in the closing documents. There are many financial and federal consumer protection laws that Wells Fargo has either not complied with or provided their own documentation. 

XXXX XXXX
We applied for a loan modification with NationStar Mortgage. The bank denied our modification request, but did not finish the denial properly. We requested supporting documents, and the Bank said they had until XXXX XXXX to reply to us. Despite our requests for the supporting documentation, and frequent follow-up, with no response from our S.P.O.C, the bank went ahead and set a Trustee Sale Date for XXXX XXXX. XX/XX/2014On the bank 's original denial letter, they offered us a " short sale option '' which we wanted to go forward with. The bank gave us specific and lengthy information on the short sale process The bank went so far as to send us the paperwork to fill out and provide us with an email address to return the short sale documents to. We completed the requested documents on the day we received them, and returned them to the bank via their specific instructions that day. 

When we followed up with the bank today, they said it was the wrong paper work, and it was sent to the wrong department. Moreover, they are now claiming that there are no options available to short sell our home. The servicer should at least honor their written and spoken word and allow us to short sale the property.