WillisBack/dataset-financial-user-claim huggingface dataset:
Nissan Motor Acceptance Corp ( aka NMAC ) has incorrectly reported a 30 day late payment to the XXXX major credit reporting agencies purportedly for the Month of XXXX 2015. This 30 day late payment reflects on my credit report for the month of XXXX. In a conversation with NMAC Representative XXXX XXXX on Thursday XXXX XXXX, 2015, she referenced the account and acknowledged that NMAC records show that the XXXX 2015 payment was received 28 days past the due date on Friday XXXX XXXX, 2015 but did not credit the account until Monday XXXX XXXX, 2015. She further acknowledged a potential lag time as a result of NMAC 's then XXXX-party payment processing company XXXX, XXXX. In a letter from NMAC dated XXXX XXXX, 2015 they incorrectly make reference to the XXXX payment being received XXXX XXXX, 2015 ; Again, this is not accurate information - NMAC records show that payment was in fact received 28 days past the XXXX, 2015 due date on XXXX XXXX, 2015. This credit reporting practice is not in accordance with the Fair Credit Reporting Act ( FCRA ).
I submit paperwork for forbearance due to financial difficulty, ECSI claims that they never received my application. They then apply a late fee onto my bill, claiming that I am past due. I have tried to resolve this issue, but they ca n't put in a deferment for my student loans. I received today a billing statement saying I am past due.
Wells Fargo and Co. wrongfully closed my Roth IRA account number XXXX during 2016 without my authorization. I have had this retirement savings account for more than a decade and I know Wells Fargo wrongfully closed my account because I can no longer view my account information online. As such, I am seeking the CFPB assistance in order to recover my proceeds as soon as possible from Wells Fargo.
2nd letter sent by certified mail to Experian, XXXX, XXXX & XXXX XXXX they all have lied they Never Ever received my letters to have all of the accounts I listed should be VALIDATED not a verification VALIDATED they have refused to start an Investigation started stating no Certified Mail was received which is a Lie it was received on XXXX XXXX the Investigation need to be done by XX/XX/XXXX. XXXX tracking information can be given if requested I have spoken with a XXXX, XXXX, all have lied & XXXX was very nasty & rude I DEMAND that all accounts be VALIDATED by XX/XX/XXXX & results be sent by email to XXXX along with all Inquiries listed on credit file to be VALIDATED XXXX on XX/XX/XXXX & XX/XX/XXXX with an Collection acct. under XXXX XXXX # XXXX for {$870.00} that needs to be VALIDATED they have removed Accts from this file that was not disputed or was asked for them to investigate acct named XXXX XXXX XXXX # XXXX I Demand they reinstate this acct. ASAP as this acct wasn't on the list I can provide proof of the accounts that was asked to be VALIDATED listed within the Certified Paper work that was received on XX/XX/XXXX I can provide this proof if requested I WRITE THIS TO INFORM YOU OF THIS FRAUD PRODUCED BY EXPERIAN, XXXX, XXXX  etc. If results are not done by XX/XX/XXXX a lawsuit will be filled on these 3 credit reporting agencies UCC 1-308 WITHOUT PREJUDICE
My name is XXXX XXXX, I have an incorrect address reporting on my credit report XXXX XXXX XXXX XXXX, PA XXXX, that may have been due to fraud. XXXX, Equifax and XXXX  refused to remove it. 

Also, I have inaccurate account reporting 's on my report as well listed below : XXXX  XXXX XXXX XXXX Account Number XXXX this is an incomplete Account # is incomplete THIS DOES NOT comply with FCRA 609 ( a ) ( 1 ) by not reporting the entire account and accurate account number, this is not reporting 100 % accurate information.

This Status was Updated XX/XX/XXXX - This re-Aged my account by reporting the date of last activity instead of the first delinquency which is a direct violation of FCRA Section 605 ( c ). Furnisher Rule Part 660 XXXX   inaccurately changed the date of first delinquency on this account.

Inaccurate and undated late pays 130 late XX/XX/XXXX the 30 day late XX/XX/XXXX Inaccurate reporting per Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ).

I am requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that these accounts showing a 30-day late payments be updated and/or corrected to pay as agreed on time. 

XXXX XXXX Account Number XXXX Account # is incomplete THIS DOES NOT comply with FCRA 609 ( a ) ( 1 ) by not reporting the entire account and accurate account number, this is not reporting 100 % accurate information. Furnisher Rule Part 660 XXXX  inaccurately changed the date of first delinquency on this account. Invalid information reporting by furnisher. Not reporting 100 % accurate information per FCRA section 609 ( a ) ( 2 ) and the FCRA 623 ( a ) ( 7 ) ( G ) ( i ) and permanently delete this from my credit file per FCRA 623 ( b ) ( 1 ) XXXX  XXXX Account Number XXXX Inaccurate late payment showing XX/XX/XXXX Inaccurate and undated late pay reporting not reporting 100 % accurate information according to FCRA 609 a 1. update to paid on time as agreed.
On XXXX XXXX, XX/XX/2015 I sent a letter informing Fifth Third Bank not to process my payments. electronically anymore. This letter was sent certified mail and I had the receipt from where I sent the letter certified mail on XXXX XXXX, XX/XX/2015 My receipt shows that Fifth Third Bank received and signed for the mail on XXXX XXXXXX/XX/2015. In that same letter I enclosed my mortgage payment for the month of XXXX in the amount of {$1700.00}. Fifth Third Bank cashed that check on XX/XX/2015 it cleared my account. On XXXX XXXX, XX/XX/2015, which is more than 3 business days after they received my letter, Fifth Third Bank tried to make an electronic transfer in the amount {$1700.00} which is also an incorrect amount for my mortgage payment. This is clearly a violation of the Electronic Funds Transfer Act 12 CFR 1005.10 ( c ) ( 1 ) Consumer 's Right to Stop Payment. This states that " A consumer may stop payment of preauthorized EFT ( electronic funds transfer ) from the consumer 's account by notifying the financial institution orally or in writing at least 3 business days before the scheduled date of transfer ''. As a result of Fifth Third Bank trying to complete an EFT for an amount to cover my mortgage which had already been paid, I was charged {$30.00} from my bank with who I hold my checking account ( XXXX Bank ) for insufficient funds. Now Fifth Third is calling me and trying to collect additional money as well because the check did not clear. I have called and talked with several representatives who are either refusing to help ( just trying to collect more money XXXX or saying they can not help. I have explained to them that my mortgage payment for XXXX is not due yet and XXXX representative was saying the EFT that they tried to process was for the XXXX payment. I have explained to them I will continue to pay my mortgage monthly but by check and I will no longer use EFT. Fifth Third Bank should also have to reimburse me {$30.00} to make me whole as a result of my insufficient funds charge with XXXX due to them violating Federal Regulation regarding the Electronic Funds Transfer Act. I have copies of the letter mailed, as well as the certified mail receipt PS Form XXXX, Domestic Return Receipt if they need to be provided.
US Bank claims is refusing to provide evidence that the credit card debt is valid, I have requested, numerous times, proof that I authorized this account. They are ignoring my requests, including the most recent one, attached, which was sent by certified mail. 
If US Bank can not provide proof of authorization for this account, then one can speculate that US Bank can not provide proof of authorization for other accounts. 
There is a history of banks opening cards, XXXX, without consumer authorization. This is a serious concern.
Last year, I completed my special program account ending in XXXX. When I first enrolled in the program several years ago, my phone rep advised me that any negative items would be removed or modified, once I completed my program, as an incentive. There are five derogatory items that should already be removed since I completed the program. I have tried to resolve this matter with the creditor 's corporate office but unfortunately, no one has assisted me with this matter. With all due respect, it is shady and unacceptable that I was initially misinformed when I enrolled in the creditor 's repayment plan.
On XX/XX/2018 we were notified by BoA that our mortgage has been sold to XXXX mortgage and that we were responsible for our payments to BoA until XX/XX/XXXX, at which point from XX/XX/XXXX - XXXX would be responsible for our loan. 

We were unable to make payment through the website previously utilized for BoA mortgage payments, and as of today, XX/XX/2018, are officially being 'handled by XXXX Mortgage '. 

Some reviews and reading about this company and transitions for other BoA customers to their company and care made me very concerned. We have, to date, not been notified or informed by XXXX regarding account information, payment method, or any other relevant account related information. Efforts today to call them directly resulted in being informed that our accounts had not completely transferred over and were unavailable. We were then informed we do not have an account number yet and were told we were not going to be charged a late fee because we were in a grace period, but no details for the grace period were available and no definitive information or record could be provided to verify this. 

More importantly, various sites offer accounts of customers being mishandled and misdirected to the expense of their mortgage loan status and credit score/health - and without being provided ANY documentation, verification, or communication at all by this company - I am incredibly concerned. 

This whole initial experience and lack of information has us at a disadvantage that seems to wreak of unlawful behavior and complete lack of necessary procedure. Their customer service is unwilling to provide us any additional lines of communication and information and BoA is being even more unhelpful. I'm frustrated that they have created this incident and necessitated this difficult transition but have no responsibility or help to provide. 

Please help.
I have to dispute one basic charge with Chase Card Services but because there are some extra transactions ( both charges/rebills and refunds/credits ) that may interfere with their ability to make simple judgements, they are still unable to figure it out after almost four months. 

Basically the dispute is about a prepaid reload card purchase at XXXX. On XX/XX/XXXX I made a purchase totaling {$58.00}, of which {$53.00} was for a prepaid card that was not working. On XX/XX/XXXX I went to XXXX, they charged me another {$53.00} for this same card and the card was still not working. Also on XX/XX/XXXX, XXXX provided me one refund of {$53.00} on-site due to the {$58.00} transaction that happened on XX/XX/XXXX, but never provided me any refund for the {$53.00} charge that happened onXX/XX/XXXX. As a result, I should have got another refund of {$53.00}. 

On XX/XX/XXXX I, for the second time, disputed the {$53.00} ( XX/XX/XXXX ) charge with Chase, it resolved with me retaining a full refund for the {$53.00} charge and therefore Chase granted me a credit of {$53.00}. However as of XX/XX/XXXX, Chase later removed this credit because they mistakenly think the merchant had already provided me this refund as they see a {$53.00} credit on XX/XX/XXXX. 

In the end, I should not be responsible to pay the {$53.00} portion of the {$58.00} happened on XX/XX/XXXX ( merchant refunded this one ), and I also should not be responsible to pay the entire {$53.00} charge happened on XX/XX/XXXX ( Chase is supposed to grant me a credit for this one ). The removal of the credit onXX/XX/XXXX essentially makes me pay an extra {$53.00} to Chase. 

Full version of this incident is attached in document.
Received early am call from a " XXXX XXXX '' with Atlantic Recovery, proceeded go inform him that u did n't have time for this call at the time and hung up, immediately received another call and a lengthy voice mail, afterwards this guy call my brother trying to get in contact with me, informed my brother that he had information about other family members he would contact to get to me. No information as to who his " client '' was provided.
I reached out to Transunion, XXXX, and XXXX several times regarding unauthorized credit accounts, incorrect information, and unauthorized Credit Inquiries in all my 3 Credit Reports. I 've been given the run around with all 3 Transunion, XXXX, and XXXX, and their workers/Supervisors. I reached out also directly to the companies who 's information is listed in my Credit Report. They have me on hold for hours at a time trying to get this resolved. Then im being forwarded again back to the Credit Bureau to resolve the issue. They have a total of 3-6 fraudulent accounts in my report and 15 unauthorized & fraudulent inquiries in my report. I had place a credit fraud alert on my credit reports. And it was apparently useless. Because I was never notified by the Bureaus of these unauthorized accounts and/or inquiries being initiated and opened up in my Reports. Transunion also had a computer glitch. Which they inserted and reinserted these inquiries in my report. Again, I was never notified about this.
On XXXX XXXX I looked into Transunion 's website as it promised that I could look at my credit score once a year for free. As I made my account it asked for my credit card information and I felt a little weirded out, but I assumed they needed it to pull up my credit information and verify who I was, as that 's what the page acted like it was doing. On XXXX XXXX I was charged XXXX for Transunion 's membership service without ever being made aware that I was paying for a service. There was nothing on the page that said I would be paying anything, let alone XXXX. Today, on XXXX XXXX, I was going through my finances and looked at my credit card to realize I 'd been charged XXXX for their membership that I did not agree to. It was incredibly difficult to navigate their website and to cancel my membership, it was hidden in the FAQs, and it seems that they 've had this problem before seeing as how this year you made Transunion and XXXX pay refunds to thousands of customers who have had similar experience. There is no way to contact Transunion online and I do n't want to navigate their foreign-based customer service or send them snail-mail that is not guaranteed to get there or make it back. Thank you for your help.
I attended the University of XXXX XXXX between XXXX and XXXX. I paid off my loan in XXXX. In XXXX XXXX, I received a XXXX for reduction of debt, supposedly on XXXX. However, I never received any information about this previously nor did I receive a reimbursement for the amount in the XXXX. Discover has been " investigating for 2 weeks, but has no answers. See the uploaded file for the complete story.
I have contacted Transunion multiple times to inform them that they are reporting someone else 's outdated Public Records information on my credit file. Transitions have not removed this information from my credit file to date. There are XXXX Public Records reporting a Release of Tax Lien filed : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I need your assistance in getting this matter resolved and removed from my credit file.
Please see attached documentation that I received from XXXX today stating that my loans were in general forberance during the specified time periods. Therefore, the loans should not have been reported as delinquent on my credit report. I feel as though all of my loans that are with account number XXXX should be corrected to reflect the attached letter. I spoken with XXXX multiple times and they declined to fixed their reporting. I do n't think it 's right that my credit report is affected negatively due to this inaccuracies. The letter from XXXX clearly states the dates of my forbearance. This has caused me to suffer significantly in regards to credit approvals, which includes, but not limited to higher than normal interest rates, required deposits, and denials. 

Furthermore, attached is an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time. 

The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct. '' I have tried to dispute this multiple times throughout the years with no.resolution. I would like for the CFPB to present my position along with the documentation provided to all ( XXXX ) major credit reporting agencies so that they can take the appropriate action in fixing my credit report. As reflected on my credit report attached all loans have since been paid and I do not owe XXXX for the accounts in question. How is it possible that my loans can reflect in deferment per the XXXX attached letter, but appear delinquent on your credit report? This is a major conflicting discrepancy that I wish to get resloved because essentially I believe that my credit report should match the statement provided from XXXX. I desperately seek some form of relief. 

Thank You FTC advisory opinion : XXXX I have also attached my credit report that will reflect the late payments on Experian, XXXX, and XXXX.
In XX/XX/XXXX I discovered a judgement on my Experian credit report listed with with the line item reference # XXXX. I never received any mail or communications about the underlying matter. Upon further inquiry I found that the California Franchise Tax Board ( CA FTB ) was the Data Furnisher regarding this item. 
Upon speaking with a CA FTB representative I was told that their records were missing my XXXX tax filing records. My Federal and State returns were both filed however I supplied CA FTB with the information that was claimed to be missing from their records. 
I was told that the processing timeline was a minimum of 6 months. After months of waiting the resubmitted filing was processed and the findings of the data furnisher were disclosed to me. The California Franchise Tax Board found that I did not owe any taxes and as such did not have any tax liability. On the contrary the CA FTB actually owed me and sent payment of {$510.00} to me reflecting the same. 

The {$2800.00} tax lien that was put on my credit report was found to be incorrect upon the conclusion of this matter. I am attaching a copy of the refund check issued XXXX/XXXX/XXXX by the State of California Treasurer upon conclusion of this matter, as well as a printout of my total tax liability and refund for the XXXX tax year from the CA FTB website, relevant to item # XXXX listed as an erroneous judgement on my credit report. 
Upon processing of the facts the data furnisher concluded that I did not owe and that they actually owed me. This conclusion means that the tax lien put on my account ( which was an assupmtion that was proven wrong ) should not be shown as released on my credit report as that implies that I previously owed the CA FTB and later satisfied payment. On the contrary, the tax lien should be deleted from my credit report as the CA FTB concluded that I did not have any tax liability for XXXX so the lien was null and void and the data furnisher turned out to actually owe me. 
The erroneous information listed on my Experian credit report states that I previously owed {$2800.00} in taxes which is not true because the taxes owed was discovered to be {$0.00}. This unfair reporting must be deleted and permanently removed from my credit profile. 
For some reason Experian has refused to update this item and I have had received unwarranted scrutiny from underwriters because of their ability to see a judgement that I did not owe. Please help as I continue to be denied favorable credit decisions personally and for business due to this violation of the FCRA.
On XXXX XXXX 2017 I sent written request to Equifax, XXXX, XXXX requesting physical verification of the original signed consumer contract accounts posted on my credit report. I requested that validated these for debts that were being reported. I have never received any physical copies.In the results of the first investigation they stated in writing that you verified that these items are being reported correctly with out any proof. I then sent a letter asking who verified these accounts. Which they were not able to provide any proof. On XXXX XXXX 2017 repeated the same process. I still have no physical verification.
XX/XX/2017 called company and did not get any response and inquire was not removed from credit report.
My infomation was stolen and used in attempt to open fraudulent accounts. my information was also exposed in 2 recent data breaches XXXX AND XXXX XXXX BREACH.
I opened an account on  XXXX / XXXX /   2017  with Citibank using my  XXXX  number. They opened the account and I funded it with a transfer from my neighborhood  Credit Union  account. Everything was fine, they sent me a welcome packet, a card and some checks. They  one  day I was unable to use my account. Then I received an intent to close letter regarding my newly opened account stating they had received information from  XXXX    XXXX    XXXX  and that they  XXXX   XXXX   XXXX  was going to close my account. They said in the letter Dated  XXXX / XXXX /   2017  that I needed to step into a branch to close the account, or they were going to close it within 10 days of the date of they letter. I had transferred over {$2500.00} into this account, and Even opened up a  CD  with them at this point. They also stated in the letter that no more deposits were going to be able to post or debits. A week later a transfer that I could not cancel that was set into action before I knew of the closing was deposited into the account, yet I can not get any of the funds out and they still to date  XXXX / XXXX /   2017  have not closed the account. I have spoken to them on the phone and all they tell me is I need to call  XXXX   XXXX    XXXX   and they will be the ones to issue of the check with the balance of the closed account.
My father XXXX XXXX XXXX XXXX in 2014. We did not settle his estate through probate. His surviving spouse has been living in the home that my sister and I shouldve inherited 2/3 of. The wife isnt on the deed or mortgage. 
The bank, XXXX XXXX, foreclosed on and sold the house through statutory foreclosure. 
The only person they notified of the foreclosure was the spouse. 
The bank did not try to settle the debt with estate. The only person they contacted was the spouse. She is not the executor of estate nor is she the representative.