WillisBack/dataset-financial-user-claim huggingface dataset:
I was a customer at XXXX in XXXX Wisconsin but Old National Bank took over and WITH OUT my permission automatically set up the autopay on items that I LEGALLY had intended not to pay due to findings of a state of wisconsin result of their investigation I now have a -XXXX in my checking account due to reoccurring NSF ... I 'm livid and want this mess cleared up. I also have a feeling old national bank kept me from cashing my payroll check so I starved all weekend. Straighten this mess so I can bank elsewhere.
Ocwen Loan Servicing, LLC is misreporting information on my credit reports. In my first complaint, they claimed that they verified only one mortgage account was reporting to the credit bureaus. However, I have copies of my credit report that substantiates they are, in fact, reporting two different accounts with two different open dates, and two different pay status '. Both accounts are reporting under " Negative Information '' and have severely and negatively impacted my credit reports. 

In addition, according to the XXXX XXXX Reporting Guidelines, Mortgage Status Codes should be reported as Code 94 not Codes 71, 78, 80, 82, 83 or 84. 

Ocwen 's ongoing misreporting is a violation of the FCRA guidelines.
I need to clarify an earlier complaint that was filed ( Case number : XXXX ). My lawyer incorrectly stated that that I had an account with Capital One that was abused by defrauders. In actuality I had no account with Capital One. The defrauders opened an account in my name, and had XXXX checks sent to me, which they purported were from them. I foolishly followed their directions, opened a checking account, and deposited the funds in the account, Thank you
The Judge Dismissed The Case Twice In XXXX and XXXX ... The Debt Collectors Harassed Me At My Employment And Credit Bureaus, Preventing Me From Applying For Apartments
i filed bankruptcy in XX/XX/XXXX and it ended in XX/XX/XXXX got letter from a debt collector saying i still owed XXXX on the second mortgage, i was told all that i still owed was XXXX but they are saying that this was interest on what was owed on my loan bankruptcy showed what was paid
I XXXX XXXX would like to request the release of all phone calls made into Drivetime from the dates of XXXX to XXXX to the Consumer Financial Protection Bureau at the below address. I have been requesting a Loan Modification on my vehicle for over 30 days and have been continually given the runaround whenever I call in. I have never been late on my payments since my purchase in XX/XX/XXXX. I have attached all email communicationConsumer Financial Protection Bureau Attention : [ Employee Name, Division, and/or Office Number ] XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX am requesting the following:1. Please release all phone calls from the dates of XXXX to XXXX to the CFPB. 
2. Release of your Loan Approval and Loan Modification Procedure from dealership to your corporate headquarters in XXXX and XXXX to the CFPB3. Loan modification to be granted with semi-monthly payments. 


Thank youXXXX XXXX
I would like a credit line decrease on my CapitalOne card. I want to apply for a new card from another providers and eventually cancel the CapitalOne card. I want to reduce my revolving credit to get the best rates from the new company. I requested a credit line decrease from CapitalOne which they denied and will not tell me why. I asked to speak to a supervisor, and was told that no person can override the computer determination that I am not entitled to a credit DECREASE. 

I do n't why it is even lawful for a credit card company to decline to DECREASE consumer credit.
I opened a Bank of America account in XXXX for {$25.00} and was going to use it as a backup account. I had forgotten, until today when I received a statement from them showing I owed {$23.00}. Having never used the account I was curious what occurred. I called and they informed me the per the terms and conditions they fee 'd the account several times. I asked them to reverse the fees and close the account. They refused. I believe this is happening to XXXX of other citizens I spoke with XXXX XXXX and XXXX XXXX on XXXX XXXX. The stated the account had been access an {$11.00} fee XXXX times and I had gone from a positive balance of {$25.00} to a negative balance of {$23.00} and per the terms and conditions they could and would continue to fee the account. This means they made {$48.00} from an account with no activity. Again, this practice I feel is highly deceptive unles you read the XXXX point font on their XXXX page agreement you will find that they will fee you. That information needs to be very clear at the front and they should notify their customers if and when they would ever access a fee of this type giving them the opportunity to close the account or fund it to a level that would be adequate. This was never done. I 'm sure Bank of America is earning XXXX from this policy which becomes a tax, especially on low income earners.
BOUGHT THE CAR NOW EVEN XXXX WEEKS AGO. HAD TO TAKE IN FOR A DENT IT HAD.PICKED IT UP YESTERDAY NOW THE EMERGENCY LIGHTS WO N'T TURN OFF & IS DRAINING THE BATTERY.I REQUESTED FOR MY CAR TO BE REPLACED. I HAVE LEFT SEVERAL MESSAGES FOR DIFFERENT REPS AT CAR MAX INCLUDING 2 MANAGERS & THE CORPORATE OFFICE. IS BEEN SEVERAL HOURS & I HAVE NOT RECEIVED ANY CALLS TO DISCUSS THE MATTER.I HAVE HEALTH ISSUES & THE SALES REP IS AWARE. THIS IS ONLY ADDING UN-Necessary XXXX.
In     2015   I started receiving letters from the  XXXX  saying I owed them taxes for employees I had. I am a   XXXX   XXXX   XXXX     and have no employees. My old roommate was employed by  XXXX  and spoke to me about using their services if I expanded. She then used my name and a fake social security number to create a fake payroll account in order to meet a goal for a company funded vacation to  XXXX . I started having money taken from my bank account without any authorization and when I told her she assured me it was a mistake and would be fixed. I had to contact my bank in order to stop them from taking these funds. I thought it was resolved until I started to receive letters like the  one  I have attached showing I owed them {$4000.00}. They said they would withhold my next tax return if it was not paid, but then a few weeks late r on    XX/XX/2015    th ey took {$1400.00} from my bank account. At this point I contacted them and  XXXX  and explained the situation I explained to you.  XXXX  was no help, besides firing this employee that committed fraud, and the  XXXX  eventually released the lien o n    XX/XX/2015 . I  have attached that proof as well. However, they would not provide any assistance to remove the lien from my credit history. It shows the lean was released, but it still shows up on my credit report, hindering me from being accept for any business or personal loans or credit. I disp uted this Public r ecord with all three creditors and it is still on my credit reports.
To Whom it May concern : I am writing to see if  ACS Education  would make an adjustment to an error in your reporting to the  XXXX  credit agencies. I have  XXXX  late payments on my account that date back to  XXXX ,  XXXX , and  XXXX     2014  when it happen. During that year "  2014  '' I was late 2 months which resulted in  XXXX  being 60 days late. I have an email showing that on  XXXX   XXXX   2014 . I submitted for a short deferment for my situation so I wouldnt get back in the situation I was once in, prior years before. I was also was informed on the phone that it takes 5 to 7 days for processing. Which would have been in range before my next payment on  XX/XX/XXXX   before a late payment would go in effect for the 2nd late payment on my report. I have the email to show as well. This kind of action is wrongful practice to your clients and reporting in error, as if your client never communicated with you and I have been in deferment before without an issue.
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit reports/files that were not initiated by me.
We submitted an appeal to PNC indicating that the denial of XXXX loan modificaion under the Making Home Affordable program did not make any sense. We specifically appealed the denial by showing that an affordable payment could be created based on the NPV inputs provided by PNC. However, PNC denied XXXX appeal without any explanation in regard to our appeal. We spoke with one PNC representative on the phone who indicated that the denial was based on the investor 's refusal to provide term extensions. However, we located the investor restrictions through the securities and exchange commission and sent PNC proof that the investor did allow term extensions. We raised the issue about term extensions in our appeal. PNC did not respond to the part of our appeal regarding the investors allowance of term extensions. We request that PNC either grant XXXX XXXX a modification under the Making Home Affordable Program or provide us a detailed explanation regarding why it can not and address the concerns raised in our appeal.
Attached are copies of statements from XXXX and XXXX as well as statements saying I owe XXXX XXXX. However, I have documentation that XXXX has no proof of a contract with my signature, no video surveillance of me submitting an application or phone recording of me applying for an account. Same is true for XXXX! 

I have asked them same of XXXX XXXX  : Proof they have a signed contract by me, between me and XXXX XXXX, a video surveillance of me submitting an application or a phone recording of me applying for a line of credit with XXXX XXXX. They have not been able to do so. They keep sending me statements. 

Under the FCRA, this is NOT Validation of a Debt. This is false reporting and not reporting 100 % accurate by any company as they have NO PROOF these are my accounts.
In XX/XX/XXXX, I visited XXXX  XXXX in XXXX, GA, I don't recall the reason for the visit. It must have been 6 or more months later, I got call from someone by the name of XXXX, who I imagine is in charge of payments, telling me my account is in collection and then hung up. It was impossible to reach her therefore being suspicious of that I stopped by the clinic to see what that was about, to my surprise I owed money to the clinic which I should not have because I had insurance. The clinic failed to send the bill over to my insurance. I asked for the full balance in order to pay and effectively have this removed from collections and no longer affecting my credit report. I paid {$220.00} and was confirmed that it would be removed from my report. I left things at that, thinking that I resolved this debt. 
Years later, on XX/XX/XXXX I applied for a XXXX  credit card, and lucky me XXXX uses XXXX  as their credit bureau or I would've taken longer to find this out. I came to find out that this debt that I previously had was not registered as paid off. The reason for the credit card decline was COLLECTIONS, therefore here I am attempting to get this removed. 

Original creditor : XXXX  XXXX XXXX XXXX XXXX XXXX Ct, XXXX, GA XXXX XXXX
I submitted a dispute with Experian via mail regarding account name : XXXX XXXX XXXX XXXX, account # XXXX ( see attachment. ) I received the dispute results dated XX/XX/XXXX ( see attachment. ) Upon review of the dispute results, there is a major inaccuracy. The date of 1st delinquency is incorrect. Upon pulling a previous Experian file from XX/XX/XXXX, the account showed a date of first delinquency of XX/XX/XXXX ( See attachment. ) This is a 14 month discrepancy. Therefore, the creditor is " re-aging '' information and reporting inaccurate information.This is a violation of the Fair Credit Reporting Act ( FCRA. ) Furthermore, Experian has verified this as accurate information which is inaccurate. Since the date of 1st delinquency is XX/XX/XXXX, this item should be removed seven years from that date. In this case, the account should fall off from my Experian credit file on XX/XX/XXXX. Please refer to the attachments with the inaccuracy directly from Experian reports.
I purchased jewelry from XXXX  XXXX on XX/XX/17 using the XXXX XXXX Store credit card from XXXX XXXX. I returned this item within the 30 day window had my RMA return number : XXXX issued on XX/XX/XXXX. I received a return confirmation from the XXXX XXXX company on XX/XX/17 that they received my return. I used certified mail to return my shipment to the company and they received it on XX/XX/17 which was prior to my payment being due. However due to a 5-15 business day window that they used to inspect my merchandise upon return, they didnt credit my account back for the merchandise return until after my due date was missed and I was charged a {$39.00} late fee. They fully credited the original merchandise and that showed up on the Next statement but because of their inspection processing window they did not issue the full credit when they received the return they only issue the full credit after my due date was missed and my account incurred a {$39.00} late fee. I have refused to pay this {$39.00} fee and have told them that the merchandise was in fact returned to them in its original condition prior to my bill being due. They will not waive this even though the late fee is representing their internal inspection process and not my failure to pay for or return their merchandise. This {$39.00} has now turned into three months of additional late fees and additional interest charges on those late fees, which I believe is illegal. I feel this is completely unfair and they should have issued a provisional credit to my account once they received the merchandise return on XX/XX/17. I dont think my credit scores should be impacted because of their process. They need to remove the late fee and the late fees on top of late fees and expunge all late payments completely from my record.
Transunion continues to report XXXX account # XXXX as derogatory. This account has been either closed 10 years ago and/or is part of a discharged bankruptcy ( 2015 ).
***Negative reporting on a discharged debt is a violation of the permanent injunction of my bankruptcy discharge. *** Transunion is violating the bankruptcy code. I am considering the possibility of re-opening my bankruptcy case for contempt action against Transunion. 

I am requesting that Transunion CEASE and DESIST their negative reporting of this XXXX  account.
Today I received notification that my Equifax credit score dropped 62 points. I pulled my report from their website this morning and discovered seven ( 7 ) open credit cards were deleted and one ( 1 ) installment loan. How do current/open trade lines just disappear from a credit report?
On XX/XX/XXXX I applied for a Life Insurance policy with XXXX XXXX XXXX XXXX in response to their solicitation. On XX/XX/XXXX I received a response letter from XXXX stating that they were unable to offer me a policy because of information contained in my MIB report. Knowing full well there could be nothing adverse, I requested, per the instructions in XXXX 's letter, a Consumer file from MIB. ( MIB Reference # XXXX ) .I was particularly interested in this report because I had been denied from 2 other applications - the reasons which were not offered. XXXX was the only company that gave me the MIB contact information. On XX/XX/XXXX I received the MIB report which clearly illustrates my being denied any insurance coverage from XXXX or the other applications. On page 2 of 6 of the report : " Reporting Company Name : XXXX XXXX XXXX XXXX XXXX Report Date : XX/XX/XXXX XXXX XXXX. Under treatment, not XXXX. Information obtained from licensed physicians or medical practitioners, hospitals, clinics, or other medical or medically related facilities. Within 3-5 years of application. " The " XXXX XXXX '' was from a work related accident where I XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. This was in XX/XX/XXXX. My very last visit with regard to any XXXX was to my XXXX, XXXX XXXX XXXX was in XX/XX/XXXX, at which time his record indicates all issues are resolved and no further treatment required. This entry in my records indicating a " report date '' ( XX/XX/XXXX ) clearly make it appear that is when this condition was present. Further proof that this error is still causing problems would be my appeal letter explaining this to XXXX AND then receiving their denial again of a policy because I have a " XXXX XXXX ''. They obviously did not even read my letter of explanation. So yes, I am very upset and feel this is misinformation on my record causing me to be unable to obtain the desired life insurance policy for my children 's benefit. In all fairness to XXXX they did offer to extend me the opportunity to have a complete physical and obtain a policy at a competitive rate. This is a nice offer and I may just have to take them up on it to prove my excellent health, but the fact that my file contains inaccurate information that needs to be corrected is my priority as I am sure you can appreciate.
I purchased a bed at XXXX XXXX XXXX on XX/XX/2017 using their in-store credit card which is managed by TD Bank. The initial amount was {$2500.00}. As I understood it, there was a 0 % interest rate promotion for 12 months. I paid off {$1600.00} over the next 12 months, leaving a balance of {$900.00} at the end of XX/XX/XXXX. In my XX/XX/XXXX statement I was charged {$480.00} in accrued interest. I was not aware that interest was accruing ; this is the first time I have ever seen anything like this ; every other promotional offer I've seen has a zero ( or low ) interest rate for a period of time and then interest starts to be charged once the promotional period ends. Had I known, I would have paid this off in full over the 12 month period. I find this approach very misleading ; now when I go back and look at the statements, I can see in the small print language about deferred interest but as I paid this card online every month, I never saw it. I think either XXXX XXXX  XXXX or TD Bank are taking advantage of customers with finance approaches like this.
I sent certified letters to debt collector to validate these XXXX debts. They sent letters back stating they needed more information from me, which I gave them that on the letter the account numbers which are on my credit report. I stated on my certified letter that I wanted information from the original creditor with my signature and dates of the account. They did not have any information but the name of the creditor which I already knew that, because it is on my credit report. I would like both of these debts removed from credit reports. XXXX, XXXX and XXXX.This debt can not be validated.
I called the customer hotline on Thursday ; XX/XX/2017. I paid off 50 % of the total debt with the credit card company. I mentioned that the reason I was in excess debt was that I had financial hardship in XX/XX/2017 for losing my job and I was also injured in car accident that made it difficult to work certain jobs. Now that I am working a lot more, my goal at the moment is to completely pay off the debt, but my interest is high and the payments are very high as well. I asked if they can lower my interest rate and payments so that I can pay off my debt with them but the representative said that they will not help me in this matter and to just pay more per month to finish paying the debt off. My previous statement I owed {$5500.00} and now I only owe {$3000.00}.
I build up a staggering debt both on private and federal loans pursing a XXXX at an XXXX University school XXXX. Unfortunately many things happened in my life and I could not pursue XXXX resulting in the default of the loans with XXXX and XXXXl loan companies. I can not afford to pay on any of the loans with my part time XXXX as an XXXX. The loans are in default and they are suing me in both civil and supreme court in XXXX New York.
I have a 0 % APR promotional balance transfer on my credit card with Citicard. In the same billing period, I made additional purchases besides the balance transfer. I paid the minimum amount due from the monthly statement, PLUS the entire amount of the non-promotional purchases. Citicard charged me interest, saying that it was because I had not paid the statement balance in full, including the balance transfer amount. When I referenced the CARD act provisions that say that any amount paid above the minimum amount due must be allocated to the highest interest balance ( i.e. the new purchase balance and not the balance transfer ), they said I was wrong and expressly stated that their policy was the opposite. I want to make sure I 'm right in that I should not have been charged interest. I saw there are exceptions to this for special debt payment agreements, but I do n't think my account falls into this exception. Furthermore, the customer service rep would not explain the math to me of how they arrived at the interest charged - it does n't make sense to me.
I decided to check my XXXX XXXX after not checking for many years to make sure nothing is out of the usual and saw under XXXX  report, 2 hard copies from companies that I dont even know. Nor have I requested for any credit card/loan in the past couple of years. Or was ask by anyone to have credit checked. These 2 companies are below : XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Inquiry shows : XX/XX/XXXX And Creditor Contact Details XXXX   XXXX XXXX XXXX XXXX, FL XXXX Inquiry shows : XX/XX/XXXX These hard inquiries are hurting my score and I would like to find out how to remove them. I never agreed for those inquiries. 

Thank you,
I previously disputed this item with  XXXX   XXXX   XXXX  back in  XXXX   XXXX  and it did not get resolved ; Once I let  XXXX   XXXX   XXXX  go because it did not get resolved I took over resolving my credit issues and reading up on FCRA and Privacy Laws. On  XXXX   XXXX ,  XXXX , I disputed my bankruptcy that is being reported on my Experian  Credit File a nd it came back verified immediately, but they did not supply any information that I requested in the letter. I resubmitted another letter on  XXXX   XXXX ,  XXXX , this time I submitted a letter from th e U.S. B ankruptcy court along with my original letter plus an additional letter stating they do not report to credit bureaus. I sent a certified letter which they received on  XXXX   XXXX ,  XXXX  stating the FCRA regulation for Sectio  n 623 ( a ) ( 5 ) -- stated below.
Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.
( 1 ) The information was not verified because of the letter I received   from the bankruptcy court on  XXXX   XXXX .  ( 2 )  I submitted a Security Freeze oon my  XXXX  Consumer File Case No.  XXXX  that was confirmed on  XXXX   XXXX ,  XXXX  by mail. I have not lifted that Security Freeze so therefore it was not verified.     When I spoke with the representative at Experian they informed me everything was verified and accurate on  both Bankrupties Chapter   XXXX  that was dismissed and Chapter  XXXX  that wa s discharged. I do n't understand how they were verified when noone at the courts verified and there is a S ecurity Freeze in place.     I have attached all documentation showing such information.