WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX XXXX, I received a collection account entry on my credit report from USCB America, regarding a debt. I contacted the company to inquire and request written communication and a chance to dispute the debt. I did not receive any written communication or phone calls or a chance to dispute debt before it was entered on my credit report.
I applied for an economic deferment in XXXX of 2016 when my current deferment was ending. they kept requesting more information and I kept sending more information mind you each time took XXXX to 3 weeks for them to process. then they reported me 60 days late even though I had been going through this process the entire time. Finally after over 10 phone calls and XXXX faxes they applied my deferment retroactively. They refused to remove the lates even though I was in deferment. According to section XXXX they need to be reporting accurate information. How could I be late and I 'm deferment at the same time? They have been absolutely awful. This is literally XXXX of the most frustrating experiences I have encountered. Please help! 
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Brett Borlands office continues to communicate with me about a debt that they are trying to collect on after being told to cease communication with me since they are the second collector on this debt. XXXX XXXX XXXX is also collecting on this debt ACTIVELY as noted before, per their response on XX/XX/2018 via the CFPB. Ive also asked numerous times for a MOVE IN statement which conviently they wont produce, as XXXX is well aware that their residences are filthy and they pend previous damage on unsuspecting tenants as lawsuits and reviews are public to expose. However, I will have my attorney in contact with all three parties to determine what is legally acceptable after reviewing. I do know as of XX/XX/2018, neither of your agencies are licensed and bonded and authorize to collect on debt in Ohio, which are required per state law, which puts you in violation. Thank You and XXXX XXXX.
In the month of XXXX XXXX I fell behind on my payments, during the process of making payments to bring my loan into good standing and current with XXXX XXXX XXXX. I authorized a post dated payment to be withdrawn from my account on XXXX XXXX, XXXX. After 4 days of checking my account and no withdrawal of {$250.00} dollars from my XXXX XXXX XXXX XXXX Checking Account ending in XXXX, I called XXXX customer service line and spoke with a representative who said that she saw the payment pending but now further information was available. I authorized a second payment in the event that XXXX/XXXX/XXXX payment was n't processed correctly. The second payment was processed on XXXX XXXX, XXXX. After a few more days my account did not reflect any withdrawals from XXXX XXXX XXXX processing that XXXX uses for their collection purposes. I spoke with the Bank branch manager who researched the issue on their end and confirmed that no withdrawals were attempted. I gave it a few more days in the event that there were any delays in processing until I received a very rude collection call accusing me of being 50days past due and owing {$530.00}. When i asked about what happened to my previous payments the collection rep was unable to answer that question and informed me that the unsuccessful payments were noted as being NSF. I quickly corrected her that those previous payments were not presented to my bank for collection and then I asked to speak to a manager and supervisor who could answer my questions and find out why my payments were never processed and now being reported as NSF on my account and listing my loan late with the Credit Bureaus. The manager was just as rude as the rep and was less helpful than the previous representative. The company is unwilling to resolve the incorrect information still reporting my account as late for XXXX XXXX with the 3 Credit agencies. 
Monday XXXX XXXX, XXXX I authorized a payment to be collected from my savings account which was successful. Wednesday XXXX a complaint advocate left a message wanting to speak to me in regards to the conflicting information, whoever the telephone number she left for me to call back was incorrect and when I called the general customer service number the agent informed me that they do not forward calls to another departments and if he was not able to resolve my matter that he would forward a message onto his manager and have someone contact me, 48 hours later still no call or solution. 
So I would like XXXX XXXX to provide me with an explanation as to the issue that prevented my payments to be withdrawn from my account on XXXX & XXXX ; then the account to be corrected and reflect the correct reason for the failed payments and not NSF. After that a correction to the 3 credit bureaus that my payment was only 30 days past due for the month of XXXX, XXXX. 
It probably would n't hurt for them to be audited and make sure they are treating customers fairly and not using unethical collection tactics.
I have called several times to work out a payment plan that would work for my budget. I have been repeatedly told/forced to take a forbearance rather than allowed to set up a payment plan that would work for my budget. I would like to pay on my loans but feel that because I can not pay the outrageous {$800.00} a month payment, I 'm being forced into deferring or forebearring my loans to get more interest out of them.
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. I have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done and that violates my rights as a consumer. I have reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission. These are the accounts that are unauthorized inquiries : 1. XXXX XXXX  XX/XX/XXXX 2XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX XX/XX/XXXX 4. XXXX XXXX/XXXX  XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XXXX. XX/XX/XXXX 8.  XXXX XXXX/XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10.XXXX XXXX XX/XX/XXXX 11. XXXX/XXXX  XX/XX/XXXX 12. XXXX/XXXX XX/XX/XXXX 13XXXX XXXX XXXX XXXX XX/XX/XXXX
My Transunion credit ( Transunion file # XXXX ) report shows delinquency ( XXXX XXXX XXXX XXXX ) and I started a dispute on XX/XX/XXXX and sent them a proof from XXXX XXXX XXXX that I am not late ( USPS tracking # XXXX ). They finished a dispute on XX/XX/XXXX and I started another one on XX/XX/XXXX and sent them another proof from XXXX XXXX XXXX ( USPS tracking # XXXX ). I called them maybe 8 times and I talked on the phone. Despite of 2 proofs from XXXX XXXX XXXX still it shows a delinquency in my credit report and the problem is it doesnt have a Reporting Key. I attach all proofs and papers. Please you need to take into consideration that Transunion violates my rights and FCRA regulations. If it is not solved in a short time, I will take a legal action! Because nobody can play with my credit.
I reached out to the CEO of Nordstrom in reference to late payments on my credit report. Upon receipt of my email, Mr XXXX forwarded my email and documentation to XXXX XXXX for review. I explained my issue to Ms XXXX in writing on XX/XX/XXXX and XX/XX/XXXX and provided documentation. In XX/XX/XXXX, I lost both of my parents and my sister to XXXX, I was diagnosed with XXXX due to these losses, I was a victim of identity theft and I was on the verge of being evicted from my apartment. I was able to pull myself back up as I wanted the best for my 3 children and with the help of my remaining family and get my life back on track. I obtained a new position in XX/XX/XXXX with XXXX XXXX. With this new position, I was able to re-align my goals and finances. I knew that by the end of XX/XX/XXXX I wanted to become a homeowner and revive my credit history. With the identity theft issue, I had to get new bank accounts and cards. With the new position, I was afforded a new bank account with my new employer. It was an exceptionally busy time and my life as I was regaining MY LIFE and balancing a new career and being a single parent of XXXX children, I had not realized that I had missed my credit card payments as the bank account being used was the one I had closed due to identity theft. I was only notified of this issue by the bank and not by Nordstroms as I made purchases during this time.. This is in NO way how I wanted to regain my financial independence and credit worthiness. Once this was noticed, I immediately made a single monthly payment of {$600.00} to pay bring my account current and keep it current. I pay off my balance every month now. A brief look at my account will reveal I have successfully made on time and in full payments since my unfortunate oversight in XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX.Recently, I have embarked on one of my major life goals, that is to purchase a HOME for myself and my children. However, this incident has come back to haunt me as these late payments are hindering my chances with a mortgage. I have worked extremely hard to get back on my feet, become financially stable and regain my credit worthiness. I am literally crying as I write this as I have come so far and I do not want my past indiscretions to hinder what I am working so hard on.

Both responses from Ms . XXXX stated that the information was reporting correctly and that they are obligated to report account behavior accurately. I was requesting a goodwill late removal and I do not believe they fully investigated my hardship and saw that I have shown goodwill measure over the last 6 months, by paying my entire bill as well as paying my account in full each statement period.Attached you will find the identity theft police report, payment history to show I brought account current immediately, statement showing I carry no balances and last letter from Ms . XXXX.
I found the account active, about a week after it was opened, because I frequently check my credit report. I filed a case with XXXX, which was investigated for about a month ; and was denied any satisfaction. They claimed that the account was opened legitimately. At this time, I filed with the Consumer Finance Protection Bureau and placed the Fraud Alert on my account. 

I then filed a report with Transunion, because on XXXX, I was only allowed one 'dispute ' at a time. This was investigated for about a month ; and again, was found to be a " legitimate account ''. 

The account was eventually removed from my XXXX credit report ; but remains on my report from Transunion. Meanwhile, the charges on said account have gone from less than a hundred dollars - since my first dispute was filed with XXXX - to almost three hundred. 

As of today, I have also filed a claim at IdentityTheft.gov
All XXXX credit bureaus are reporting a bankruptcy tax lien on my credit file XXXX are showing on Equifax for XXXX different amounts under a bankruptcy that I attempted to filed in XX/XX/XXXX. I was not allowed to go under the protection due to owing back taxes. II have been working with the IRS to resolve my tax issues I want this removed from my credit report Due to never filing bankruptcy listed below are the account information for each bureaus Equifaz XXXX {$20000.00} XXXX - XXXX XXXX {$20000.00} XXXX XXXX Filing date XX/XX/XXXX in XXXX County Superior Court amount is {$16000.00} XXXX XXXX County Superior Court the court system which is report incorrect information is XXXX County Superior Court XXXX , GA XXXX phone number XXXX XXXX County Superior Court XXXX , GA XXXX XXXX I will be contacting both of the counties to get any Documents that they have to prove my claim
During lulls in work with my employer during the summer and fall of 2016, I sought help to keep other bills current by taking out loans against my vehicle and a personal loan backed by the vehicle. As things worsened I was unable to make the high-interest payments on the regular basis they wanted and sought some relief from the loan company. They gave a little relief on some of it, but a short time later XXXX XXXX repossessed my vehicle, selling it to settle my debts, but providing no documentation regarding the proceeds of the sale. They didn't provide any further details or overages, but then started collection action on the remaining loan. 


They later submitted the alleged balance to collection agencies, where it currently resides with XXXX XXXX XXXX XXXX, which is currently reporting false or incomplete information, that doesn't show the original amount, doesn't show the payments I made, doesn't show that they may have been charging more than 200 % interest, nor that the loan should possibly have been paid off from proceeds from the sale of the vehicle. 


I believe that XXXX XXXX 's reporting of this is in violation of my rights, since even if the alleged amount is correct, it is incomplete and misleading since I had made consistent payments to them, and is very negatively affecting my credit.
There was a unauthorized inquiry on my credit Bureau report on XX/XX/XXXX upon review of my credit report i notice a high amount of inquiries that i did not recall. i also had my identity stolen along with accounts opened along with credit applied for. i requested for proof that the company had permissible purpose to obtain a copy of my credit report i was informed that hard inquires wont be removed unless its with a police report however permissible proof was never provided. This request and replies happened XX/XX/XXXX at XXXX XXXX
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : DIVERSIFIED CONSULTANTS Account number XXXX
I did a short sale on my condo. The bank that held the second mortgage agreed to take $ XXXX form the sale of the property and that upon receiving funds they would release the mortgage. Their agreement letter also states that there would not be any deficiency on the loan. Three months after closing my release is not on file with the XXXX website. I also received a call from a collection agency without warning.
I was refinancing a mortgage with Ditech ( formerly Green Tree ). I requested a copy of the closing documents be made available to me at least XXXX hours prior to closing. Ditech refused to provide me with these documents. Because Ditech refused to provide these documents to me prior to closing, it took over XXXX hours to complete the closing because I checked the documents and compared them to my files. I had the time and XXXX to take the time during closing to do this. However, many people may not be able to do this. 

It seems to me Ditech 's refusal to provide me with these documents prior to closing is illegal. I have given them this feedback already. However, if this is their standard operating practice, they should be held accountable by enforcement agencies for breaking the law.
I deposited Cash in the amount of {$960.00}. The following day I deposited a check in the amount of {$550.00}. When the ATM machine read the amount it said {$650.00}. There was not an option to change the amount. I know that the bank teller will retrieve the check and enter the right amount upon receipt. On Monday XXXX XXXX my brother deposited XXXX cash into my account. Now the check is on hold and I a being charged a overdraft fee for several transactions.. I spoke a XXXX XXXX at the BBT Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX She was extremely rude and told me that since I made the mistake at the ATM, which I did n't that was the reason I was receiving a overdraft fee. The overdraft fee is now XXXX. I can not get anyone to help me resolve this issue. I spoke with 5 people at the bank and everyday I am being charged a new overdraft fee. I spoke with XXXX XXXX at the XXXX XXXX Branch, XXXX XXXX at the XXXX XXXX Branch and XXXX XXXX. I also spoke to a XXXX XXXX at the call center in Texas. She took my complaint and advised that someone would get back to me within 24 hours. I emailed the Branch manager at the XXXX location for assistance, but he was on a conference call and has not gotten back to me regarding the overdraft fees. The date for these transactions were XXXX XXXX, 2016. BBT is constantly charging me overdraft fees. This is ridiculous and costing me a lot of money. I was also charged an overdraft fee on XXXX XXXX. I was told by the Customer Service rep that there was a n my paycheck from my job check that I have been receiving weekly. The total amount of charages was {$200.00}. I had XXXX in the account. I want to know why I was charged {$100.00} in overdraft fees. This bank is ripping me off and I need help please. I am on XXXX from a XXXX where my XXXX. I am in XXXX to rise. I need to know if BBT is going to be responsible for any additional medical treatment I may need from the XXXX of all this.
Dear sir/madam, as I was going through my credit report on XXXX and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called SWISS COLONY ASHRO and Another company called XXXX XXXX XXXX. Any time I dispute the accounts, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with SWISS COLONY ASHRO and XXXX XXXX, Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with SWISS COLONY ASHRO or any of it affiliates. 
I am requesting that SWISS COLONY ASHRO and XXXX XXXX or any of their affiliates should remove such negative and false statement from my credit report THIS COMPANIES ARE AFRAUDULENT COMPANIES, first they came up with the name XXXX XXXX account number XXXX on my credit report. after so many dispute I submitted against the account, I was forced to pay dept in the sum of {$45.00}. The dept I did not own, the dept that does not have my name on it. 
After that they came up with another name SWISS COLONY ASHRO with same account number XXXX stating that I was owing them. This is fraud I do n't own this companies any money and I never had any transaction with them I do n't even know the kind of business they do. They have to pay me back the XXXX dollars they fraudulently took from me. 

Dear sir/madamI want your office to go through my credit report to verify my statement. my credit report has so many names I do n't know where they came from. I contacted XXXX AND XXXX REGARDING THIS MATTER, all they said was that they can not remove those name because some companies like XXXX and SWISS COLONY ASHRO reported some account to my credit report with the names. 
I want your office to investigate this matter because any time I dispute these XXXX companies that has XXXX account number XXXX and XXXX kept saying the investigation stated that the account was mine. 

THIS IS FALSE INVESTIGATIONin the year 2013 when I wanted to open online account with XXXX, the man who spoke to me from XXXX told me that someone already opened the online accountwith my social security which I have no knowledge of who that was. Then the XXXX representative later cleared it off and created a new account for me. I want your office to investigate all these because I have filed so many compliant regarding the information on my credit report and most of the company claim they investigated the case which I knew all their so called investigations was not done right.
I received a check in the mail from Macy 's for {$25.00}. Attached to the check is a letter stating that it was discovered a credit is due to my account. It states, " However, given the current status of this account we are providing a refund of {$25.00}. '' I am unsure what that means. Do they actually owe a larger amount but have decided the status of my account dictates a lower settlement? 

In the attached letter they provide a tracking number and contact phone number. I contacted the number listed on the letter to inquire. They instructed me to call Macy 's with questions. 

Macy 's claims they have no record of check being issued and do n't know what I am talking about.
On XX/XX/XXXX, i was notified that a collection was added to my credit report from Rentdebt automated collections. I have never had any type of services nor have i ever had any contracts with this company. I was never notified by mail nor phone regarding this debt at all. I have tried to dispute this and the credit bureau stated that the company assures them that this is accurate and it will not be removed. I do not owe this company anything and my rights were definitely violated as well as reporting false information and damaging my credit and for trying to collect an amount i do not owe them. I also know that it is against the law for any courts to give out information. I want this removed from my credit file on all 3 credit bureaus immediately. If this is not solved in a timely matter i will take the next step and submit my complaint to the FTC.
Experian is reporting 2 credit card accounts as " Card Over Limit ''. One of these is a XXXX XXXX and the other is a XXXX XXXX  XXXX. I have contacted both XXXX and XXXX XXXX  and both of these banks have told me that neither card is " Over Limit ''. Both cards are currently at their limit, but not " Over Limit '' and both banks have told me they are not reporting the cards as " Over Limit ''. My credit score has crashed from XXXX to XXXX in the last 30 days. I have contacted Experian and they are doing nothing to correct these errors.
After filing my taxes I received return on a prepaid debit card with American Express serve and used it one time at an atm and my entire return was stolen from my account due to a card skimmer totaling {$1600.00}. I opened the dispute XXXX XXXX, 2016 and have been in contact with over XXXX XXXX and XXXX Supervisors that promised and assured me my tax refund back within two weeks BOTH times. As of today XXXX XXXX, 2016 I am now being told my card is now LOCKED AND I WILL NOT RECEIVE MY MONEY BACK! I have faxed them several documents including the affadavit of fraud, police report, news article and was hung up on and told several different things.