WillisBack/dataset-financial-user-claim huggingface dataset:
I do not think that is fair that the three credit reporting agencies have " negative '' information on me for accounts that I struggled to pay in full. It's like being punished for trying to do what is right. If I did not pay them, then I can understand having negative information on my account. The credit agencies say that the creditors have to remove the information and the creditors say the agencies have to remove it. I am at a loss trying to get this resolved : - ( If a person pays their bills, then their credit should be good.
I'd followed up and reached to the original creditors, debt collectors and credit report bureau in regards to accounts that are no longer my responsibility. I still have provided paperwork to address my concerns. I'd previous made a complaint with one of my collection account and in response to my complaint the company had reassured me that they had updated and request removal in XX/XX/2018 and again this month XX/XX/2018, but when I'd contacted the credit report bureau that is over the account I had concerns about and they said they've not received any information from the company since XX/XX/2018. I'm tired of getting the run around about my credit report. I'm a single mom that is trying to build my credit to better my family. I've also informed the credit bureau that they still have old accounts on my credit report as well as reappearance accounts without proper notification and this is violation of FCRA. I've been denied credit due to my credit report not being properly reported.
XXXX XXXX/XXXX XXXX ( CFPB Case XXXX ) ( Acct ending in XXXX ) I nor XXXX XXXX was ever under any circumstances properly told about the interest rate that this card carried and the terms in which we were agreeing to. We would have never agreed to this card had that terms of this card been fully explained to both us and we would see and sign off on it which we did not. We were not aware that this was the account listed on our credit file which was charged off in question after all this time. We believed that this card was paid off and closed which is the reason why I have filed several complaints as to why it was reporting negative to our credit file. I was told that as long as monthly payments were made that NO interest would incur. I nor XXXX XXXX never knowingly agreed to or signed any agreement electronically or non-electronically whatsoever with an interest rate of 26.99 % on a healthcare credit card if the balance wasnt paid in full during a promotional period. I nor XXXX XXXX was not adequately informed about and did not understand ( a ) that I/we would owe interest on my account if the balance was not paid in full by the end of the promotional period ; ( b ) My interest rate ; or ( c )  that interest accrues on my balance during the promotional period starting from the date of my purchase. This account has now been sold to collections agency and is having a very negative affect on our credit files and on our lives. I am prepared to take whatever legal action necessary and if needed file fraud charges against XXXX XXXX, XXXX XXXX, and the collections agency it was sold to XXXX XXXX if this is matter is not taken care of. Furthermore no copy of our signatures on the terms and agreement have been supplied. I was sent copy of account being approved. I have had accounts approved in the past but if the terms and conditions were not to my liking I would not sign or agree to it. There was no SIGNED copy of agreement of terms and conditions with XXXX XXXX and myself sent to us. We also never received a claim form in regards to the lawsuit that was filed against XXXX/XXXX.
On  XX/XX/XXXX  I received a phone call from (  XXXX  )  XXXX  which I believe to be a spoofed number. The person on the phone claimed to be an attorney named  XXXX   XXXX . She stated that I had an unpaid loan from check  n  go from  XXXX  and that a warrant was being issued today for  XXXX  counts of check fraud. I had  2 h ours to wire some money ( 4 times the amount of the original debt ) and then they would tell the district attorney to cancel the charges. I questioned them on their story and she got agitated and hung u p. 20 mi nutes later I get a call from the actual number of  XXXX   County Sheriff De partment with someone saying that they just got a fax from  XXXX   XXXX  and they were going to issue a warrant for me because I hung up on the law office, but I still had an hour and a half to pay  XXXX   XXXX  and they would cancel the warrant. I told the individual posing as a Sheriff deputy on the phone that I would not be paying anyone, because last time I checked you could n't pay to make warrants go away, she hung up on me. Then I called the supposed law office back and questioned this  XXXX   XXXX  about the amount, asked her which law firm she was with, where they are located. She would n't answer any of these questions and hung up on me again.
CFBP  has assisted me with a previous complaint with Nationstar / Mr. Cooper ( file number XXXX. ) That incident was rapidly resolved by CFBP. 

However, Nationstar / Mr. Cooper has, one again. issued 2 new checks that are in my name and my sisters name. 

As the previous problem had been that my sister and I do not share a banking account. Despite the fact that I had fulfilled Nationstar / Mr. Cooper demands that I provide proof of my payments, a letter from my sister that she has no interest in any funds refunded, a letter from my banking institution that they can not accept any deposits for any checks without my sister being on the account and that the problem was not resolved until CFBP stepped in, leads me to the conclusion that Nationstar / Mr. Cooper has no intention of issuing any further checks in mt name only. 

Please contact Nationstar / Mr. Cooper regarding the issue with any fund checks regarding my former account with them. 

Thank you I have attached a copy of the two new checks from Nationstar / Mr. Cooper
Made a payment to Citi and the payment was short by {$1.00}. It was a mistake on my part when I submitted the payment using my XXXX XXXX online bill pay system. Our APR has now been increased to 29.99 % because of the {$1.00} mistake on our payment in XXXX. When I discovered the shortage I called Citi and paid the shortage by phone and the representative assured me that our interest rate would not increase. Called Citi when I noticed the increase in APR to request they lower the APR. They refused. Asked to speak to a supervisor and was put on hold for over XXXX minutes until I finally had to hang up because I was calling from work and could not remain on hold any longer.
My husband and I separated in XXXX 2014. We have a XXXX mortgage with Greentree XXXX. My husband did not / is not helping me financially with any of the bills we had. I contacted Greentree and requested forms to apply for a modification based on XXXX income XXXX mine ). They wanted the divorce decree. I had n't filed for divorce at that point due to the financial state I was in. I was granted a quit claim deed and my husband signed off on the house. My XXXX mortgage company XXXX XXXX XXXX quickly issued me a modification based on XXXX income. Greentree would not accept the quit claim deed and wanted my husbands financial information. I explained to them he does n't live there anymore and will not provide me with his income or expenses. He then was out of work with absolutely no income from mid XXXX thru late XXXX. I have tried to provide everything and anything to Greentree to request assistance with paying my XXXX mortgage and they refuse to do anything until I provide a divorce decree. I have filed but am in the 90 day waiting period that PA has for divorces. I receive telephone calls on my cell phone, and at work, at the minimum of XXXX to XXXX times a day. I always get the same person ( XXXX XXXX and she is very nasty and likes to remind me that I am a mother and need to keep a roof over my sons head so I need to pay my bills and she is a single mother and manages to do it, why cant I? I have blocked every number possible but they still get thru and leave numerous messages on both my cell and work voicemails. I am current with my XXXX mortgage and certainly do n't want to lose my house over a {$14000.00} loan that I can repay with a little assistance. They refuse to work with me and harass me every day of the week.
On the summary page of my credit report with Transunion they have 12 accounts listed as NEGATIVE. But  when you look at each account it does not say negative account. There is not supposed to be any reporting of any accounts as negative. This complaint refutes the 12 negative accounts LISTED ON THE SUMMARY PAGE OF MY TRANSUNION CREDIT REPORT. You ARE NOT REPORTING ACCORDING TO THE FCRA or bankruptcy law because there would not be 12 ACCOUNTS LISTED ON THE SUMMARY PAGE OF MY REPORT AS NEGATIVE.
This Request is Regarding a Debt that was Paid in Full inXX/XX/2012. 

In the year of XX/XX/2012, I opened a cell phone account for my son with XXXX cellular service that was sent to your collection. My son switched companies taking on the responsibility for his own cellphone service not realizing that we would still be subjected to the XXXX contract and his new one. I am sure XXXX explained the policy to him, but he was not able to maintain the payment with XXXX and the payment with his then new cellphone company. Unfortunately, my son didnt explain this to me and he allowed the account to go too long without payment so it was sent to collections. I was in the process of buying a home when I found out and I was horrified. I paid off the balance immediately hoping it would not negatively impact my credit and chances of becoming a homeowner. Unfortunately, it showed up on my credit report later. 

After almost six years this collection account has hurt my credit score and put me in positions with little negotiating leverage. Today, I can not reasonably afford a vehicle for my daughter who is currently attending college, because of high interest rates. I accepted the responsibility for the debt and paid it off in full inXX/XX/2012. 

I contacted Allied Collection Services today seeking their support with this matter and was told that they could send me a letter stating that the debt was paid in full. My conversation with the representative lead me to believe that I might be able to seek your help with my request for a goodwill removal of the derogatory report. 

I would like to humbly request that CFPB have some mercy on me and assist me with acquiring a Goodwill Adjustment to remove the Allied Collection account from the credit reporting agencies? Your kind gesture would be sincerely appreciated by my daughter and me. I would like to thank you in advance for any help you may provide in my quest to achieve credit freedom. 

Thank you!
PRA has failed to notify the credit reporting agencies of multiple disputes that I have filed with them, in addition to other violations of FCRA. 
Though I have filed disputes with Portfolio Recovery Associates directly and also via XXXX, they have failed to notify the credit reporting agencies of my dispute in violation of FCRA 623 ( a ) ( 3 ) but have continued to pull my credit monthly and report updates monthly.
My husband and I settled on a XXXX XXXX new construction on XX/XX/XXXX. During settlement we were told our mortgage will be sold within 30 days. On XX/XX/XXXX we received a letter from NVR Mortgage that our mortgage was sold to XXXX XXXX   XXXX. On XX/XX/XXXX NVR reported our mortgage loan to the credit bureaus. Even though our loan had already been sold, and payments were supposed to go to XXXX XXXX. NVR Mortgage reported the loan as Open and current status. Again our loan had already been sold. on XX/XX/XXXX XXXX XXXX  report the loan to the credit bureaus as an open account and current status with them. on XX/XX/XXXX NVR Mortgage reported the loan to the credit bureaus again. When my husband and i pulled our credit reports, we now have two open mortgage loans on our credit report ( one loan {$470000.00} and {$470000.00}. This is totaling a loan debt of {$950000.00} ). Both of our credit scores have dropped a combined 59 points. I have contacted our loan processor and settlement processor via email and voice message, and they have not responded. I have one mortgage loan, not two. My mortgage loan is with XXXX XXXX  XXXX not NVR Mortgage Company. I have requested for NVR to report to the credit bureaus that my loan account with them is closed and they no longer have my loan. Nothing has been done.
Our new loan accepted the first payment for XXXX XXXX but locked out the XXXX XXXX payment. It did not clear year. Found out late XXXX that Homebridge Financial froze old loan and wants a payoff through extra doubled up of prepaid interest due for XXXX XXXX XXXX. The new loan already that I signed XXXX XXXX XXXX XXXX with the payoff upped the loan amount as well as the old pay off had the interest figured in. Nobody can tell me why and have the figures laid out of why. My closing costs on old loan XXXX to reestablish escrows. They want another XXXX to fix their problem but not addressing why.
See list of enquiries on my credit that I did not authorize and I know nothing about. 

XXXX XXXX Mortgage reporters XX/XX/XXXX & XX/XX/XXXX XXXX XXXX ( all banks ) XX/XX/XXXX XXXX XXXX Tenant Screeners XX/XX/XXXX
I have n't been able to get lower payments upon even requesting I 'm paying XXXX plus dollars a month for my student loan for many years with no decrease in the amount still almost {$90000.00}
I am writing a response to Helvey & Associates regarding a FTC avid avid and request for removal. A police report has been filed with XXXX military police. Documentation has been sent to XXXX XXXX of Indiana and will also be sent to you and will arrive soon. However, the item needs to be taken down immediately. I will also forward you letter to the FTC with police report as well. I have forwarded your response to the corresponding officer and my attorney. If the items is not removed immediately I will move forward with civil suite . Once again I ask that you remove this item from my XXXX, XXXX, and XXXX  report. I would like to work this out with you but if a resolution if not met I will seek further legal action.
My house was damaged by Hurricane harvey. The insurance company came out and assessed damage and then issued a check to me and my mortgage company Ditech. As my house was being repaired, I sent Ditech XXXX forms, invoices, before pictures of the damage, and pictures of the fixed condition. After doing much battle with Ditech since they are very slow to release funds and not paying me interest on my money they are sitting on ( approximately {$55000.00} ), we are now at a complete standstill. Ditech, still holding on to about {$25000.00} of my insurance proceeds stated that regardless of all the pictures and documents I have sent them showing repair on the house, they need to have an inspector come out to ensure the work is being done. This conversation, initiated by me, was made on XX/XX/XXXX ; I was told that an inspector would call within two days to make the appointment. Nothing. I have called Ditech several times hoping to expedite the process and still, here on XX/XX/XXXX, I have yet to receive a call from an inspector to schedule an inspection of the home. Ditech states that this is their process, that funds can not be released without an inspection, even though the promised time wait of two days, has come and gone. Ditech stated they are behind because of all the hurricanes that have occurred ... but my point is that mine happened all the way back in XXXX of XXXX. I have already paid for all the work done on my house, out of my pocket, however I can not continue to repair the house, because Ditech is not releasing the funds that are sitting in their account, interest-free, that is to be used to repair my house. I have suggested to Ditech that if they don't have the manpower to keep up with their timelines, they need to then either hire more staff or release the funds they are sitting on. They refuse to budge and state that this process if mandated ... I don't know by whom. This has gone on long enough.
On or around XXXX/XXXX/15, I receive a loan from Castle Payday ( XXXX ) in the amount of {$500.00}. I was informed that if I paid this loan off by XXXX, my total amount to pay off would be {$670.00}, to which I agreed. On XXXX, I called to ensure that the loan plus interest would be paid off in full ( {$500.00} + XXXX ). When I called, the rep informed me that the systems were down and he would call me back to complete the transaction. I did n't receive a callback so I assumed that everything was taken care of. 

On XXXX, I noticed that only {$170.00} was taken out of my account so I called to find out what happened. They informed me that the rep tried calling me back, but he could not get a hold of me. I do not have any missed calls of any sort of Castle Payday trying to call me back. At any rate, she stated that {$500.00} would immediately be taken from my account so that no further interest would be charged and my account would be paid in full. 

To my surprise, when I check my account the very next day I see {$670.00} was taken out. I call Castle Payday and they informed me that a manager would be calling me back to confirm that I would be credited back {$170.00}. 

Which brings us to today ... I called my bank to dispute this and after being on the phone with my bank and Castle Payday, the bank agreed to charge back {$170.00} to Castle Payday, which of course is pending, and totally agreed that charging {$350.00} on a {$500.00} loan that was paid off in less than a month is BEYOND predatory!
Being an XXXX XXXX Service Member, I scheduled two separate monthly payments towards my Bank of America credit card. At the time I was scheduling the payment, the W-Fi I was using from my location was kinda weak but eventually the scheduled payments went through and I received two separate confirmation numbers. # 1 ) XXXX # 2 ) XXXX I received a credit notification where I was reported 30 days late to all three credit bureaus. I was really upset because I knew I scheduled these two separate payments for my Bank of America credit card. I sent an email to the Executive Office of Bank of America explaining the situation where I am an XXXX XXXX Service Member and I was in a location where I was scheduling a payment via Wi-Fi and how I was possibly having issues with the mobile app on my device. The woman I spoke with, XXXX XXXX, said she would check with IT and most likely can not remove the 30 day remark. She eventually called me back a few days later saying IT could n't find anything and I asked for proof and she could n't provide it. Technology is a tricky thing and honestly can not be trusted but I am honestly explaining to them that I scheduled the payments. I did n't take this well because I KNOW I set up this payment. At the time of the phone call I did n't have the confirmation numbers and I explained to her they 're at home. Since I have them, I am providing them in this email. I also contacted Bank of America this morning but left a voice mail. I am requesting this 30 day late remark be removed from all 3 credit bureaus due to the difficulties of the application through the bank. As a Service Member and having my integrity questioned is very appalling and hurtful. I explained to XXXX that I have a upcoming re-investigation for my XXXX XXXX XXXX XXXX and keeping my credit up to date and in good standing is a high priority to me. If you have any questions or would like to discuss this please contact me at the information below. XXXX XXXX XXXX XXXX XXXX XXXX
I have not received my payroll deposit. Just add me to the list of people that are waiting for their money
This account I have disputed but it appears on my file still. The original dispute took longer than 30 days for the merchant ( Bank of America ) to respond. It has since been on my credit longer than 7 years. The company keeps changing the dates which extends the date that this should fall off.
we have sold our home and purchased a new home, problem is back in 2010 we took out a loan for {$140000.00} for remodel, then transfer the loan to another branch of US Bank, no one ever record the close of the first loan with XXXX County records, and this is the hold up for escrow closing that as of the XXXX four families suffer as closing cant occur on 4 properties, including ours. this started over a month ago. XXXX XXXX needs a letter than specifically references the fact that the attached Deed of Trust was paid in full and that they are in the process of releasing the lien, because they cant find it in their system. 
Please this is very URGENT. I do not know what else to do
I have called in several times to XXXX and they have NOT received this information I 'm exhausted and really want to get this matter settled. The collection agency sent this information tot them back in XXXX of 2017
On XXXX XXXX, XXXX, I checked into a hotel where the total was {$240.00}, so I deposited {$260.00} into my account to cover the cost of the room. As I checked in the young lady informed me that the hotel would place a hold on the funds needed to cover the room plus an extra {$20.00} per night to cover the hotel 's incidentals fee, I said that would be fine and checked in. On XXXX XXXX, XXXX when I checked my account there had been a charge on my account for {$170.00} made for a garnishment, XXXX that I had been informed by letter would not take place and the funds would be removed from my tax return of the upcoming year, and the hold that covered the hotel cost was now gone. I tried calling the bank and I was informed that it had nothing to do with the transaction, and that I would have to call the state revenue offices for them to release the funds and once the revenue office did so that the bank could place the funds back into my account. I then called the revenue office and spoke with a XXXX XXXX id number XXXX, where she informed me that the bank infact did know about the transaction and approved for the funds to be moved yesterday, XXXX XXXX, XXXX. She also informed me that the funds had not yet been transferred to them. So, I called the bank back and spoke with XXXX, who says that even though the revenue office did not yet have the funds they were the ones that had to reverse the transaction. After he tried to explain the situation to me, I asked him about the funds that were on hold for the hotel and he says to me that the hotel never placed a hold on the funds and that there was no record of any transaction involving a hotel. I then tell him that I would not have been able to check in if the hotel could not place a hold on the funds in my account ; I knew better because I have been homeless and living in hotels sine XXXX of XXXX and the hotel has always placed a hold on the funds to cover the cost of the room plus the incidental fee. I have had incidents before where the bank has shuffled around transactions that would leave me in the red but never much. I would just like for the funds to be placed back into my account so that I can cover the cost of the hotel room.
I can not adequately express how disappointed I am in  Ally Bank and my first and only encounter with their establishment. I signed up for an online savings account. Confirmed the trial transactions to make the transfers - specifically designated that the funds were to come from my Money Market account. Then I find that the transfers did not go through, that my newly acquired Ally account was permanently suspended (   XXXX / XXXX /   17 ), t hat they had tried to transfer out of the wrong account and had then charged that account a total of {$66.00} for  XXXX  transactions supposedly for insufficient funds. If they had taken the transfer from the correct account, as designated, they would have found that there was more than enough to cover the transfer. I am out {$66.00} with apparently no recourse.