WillisBack/dataset-financial-user-claim huggingface dataset:
This debt is not a federally backed/guaranteed loan. It is be reported to the credit bureaus beyond XXXX years. Also it is beyond NY statute of limitations ( XXXX years ) to collect a debt. This debt has been written off/ closed by the company. But still being reported to the credit bureaus. I have never made a payment on a this debt in its history.
During Equifax 's data breach, my social security, driver 's license, and credit history was taken. All information that was taken could be used to remove freezes from my financial accounts, gain access to my financial, and impact me for the rest of my life. 

They then tried to take away my ability to seek legal counsel or pursue this through lawyers, after their top CEOs made XXXX XXXX dollars and waited 40 days to release the breech. They then attempted to extort people to know if they have been breech. They then collaborated with other credit reporting agencies and third party services, such as XXXX XXXX, to charge their victims for their failure to protect data we did not want them to collect. 

They continue to try to extort me for money to secure my financial information by attempting to charge me for services to monitor my credit reports.
I received an alert that a credit inquiry was done by CBNA XXXX XXXX XXXX XXXX, SD from XXXX on XXXX XXXX 2016. I did not request this inquiry and I would like to know who requested it from CBNA?
At the time of purchase I was told no interest for 9 months at no time was I informed that this was considered deferred interest on the original purchase. I have been paying well over the minimum balance before the payment due date since Ive owned the card. Only to find out, it didnt matter. I was still charged interest. 

Every month Im battling bills, interest rates, and unforeseen fees on a fixed income. How am I supposed to build my credit back up, if card companies like Synchrony Bank, blindside you with back dated interest?
Experian charges my credit card each month for services. I want to cancel but I don't even know what my account is on their Website. I don't know of any user ID or password I might have used, and It doesn't recognize my email address. I don't know what old email address I might have used, but couldn't access one anyway. I try to call their number numerous times, but the system 1 ) doesn't recognized that my SSN has an account associated with it to cancel, 2 ) will not let me talk to a representative, and 3 ) just refers me back to the Website which again doesn't help me. They clearly make it impossible to cancel.
Consolidated loans in  XX/XX/XXXX . Still receiving negative credit reporting latest being  XX/XX/XXXX  120 ( days late ). Current loan service did not report. Spoken to reps at US Dept of Education multiple times. Original service no longer in business i.e Direct Loans. Please help.
On XX/XX/XXXX I placed an order for a consumer report with XXXX XXXX. During which time I received the report approximately a week and a 1/2 later. Upon reviewing the report, majority of the information, had discrepancies, so I carefully went through and marked off all of the inaccurate information. I then contacted XXXX XXXX a few months later in XX/XX/XXXX and requested that day do an investigation and remove the inaccurate information. I ask how long it should take in the representative explain to me approximately 30 days, during this call I also literally went from page to page ( 25 ) expressing to the representative each thing that was incorrect, This Was time consuming. 

90 days had went pass and I had never received a response from XXXX XXXX, so I decided to call again. When I called the 2nd representative, initially said that there was no information in the system about me requesting inaccurate items to be removed. She then had to go into a different system and found my initial requests, that initial request still did not display all the items I requested to be removed meaning the initial rep missed some things. The new representative apologized and explained to me that the initial request was never submitted, she verified all the things that was in the system, and she then resubmitted it. 

This was back in XXXX around the XXXX. It has now been over an additional 30 days and the second rep assured me it will be expedited because the initial representative did not submit the request the 1st time. To date i still have not received a response and i feel if i call again it would just be the run around. 

This information is financially harming me by showing inaccurate info on the major credit bureaus, as this is the source they use to verify info on my credit file. As A result it 's not allowing me to get the best rates on credit card and loans.
Zwicker & Associates violated FDCP A 1692e. Zwicker & Associates filed a false claim in Small Claims Court stating that Arbitration was terminated due to the Defendant ( Me ) failure to pay fees. Zwicker and Associates failed to pay fee causing Arbitration to be terminated. In  XXXX  arbitration, I am the Claimant and Zwicker & Associates are the Respondent.  XXXX , clearly states the Respondent did not pay. Per  XXXX  ' Policy, they review credit card agreement and other documentation and decides who pays what and send a letter to all parties involved stating who pays. See Attachment.       XXXX   Zwicker & Associate knowingly lied on filed claim which clearly violated the FDCPA 1692e
On XX/XX/XXXX I disputed an item on my Transunion credit report. It has an estimated completion date of XX/XX/XXXX, but as of today XX/XX/XXXX the investigation has yet to be completed by Transunion.
This in response to complaint # XXXX. I want a copy of what this credit bureau was sent for them to mark as a inquire. From my understanding in order to pull my credit report they need a sign copy for authorization to do so. That 's what I want Provided to me. If they ca n't provide that I want it removed immediately.
After disputing XXXX XXXX XXXX and provide supporting documents to Experian, Experian refuses to delete the collection account from my credit report. After filing a complaint against XXXX XXXX XXXX with CFPB, XXXX XXXX XXXX agreed to have the collection account deleted from my Experian credit report. I have provide Experian with a copy of XXXX XXXX XXXX deletion letter via Experian document upload web site. Experian stated they had received the deletion letter. Experian stated that XXXX XXXX XXXX normally doesn't include an AUD control number on a deletion letter. Experian stated that XXXX needed to provide their Experian rep with the AUD control number.
Applied for a vehicle loan online with no credit back in XXXX. I was approved for a XXXX XXXX XXXX for XXXX. Ive always had problems with this company. For the first three months I had an allotment set up with them and they claimed that they did not receive my allotted payments because they did not have the right allotment number after I sent them the allotment multiple times. In XXXX XXXX, I deployed and set up an auto payment where monthly payments would be made every months. On XXXX/XXXX/XXXX my car was repossessed for missing 3 monthly payments. I called and tried to receive information on my auto payment plan but the representative told me she could only tell me how much I needed to pay to get my car back.
In XX/XX/XXXX, I had a student loan debt consolidation with XXXX XXXX that included XXXX and XXXX XXXX XXXX loans. My XXXX loans were sold to XXXX XXXX XXXX in XX/XX/XXXX or XX/XX/XXXX. I was never notified that this happened because I moved, nor was there any worries about making payments since XXXX XXXX approved a loan forbearance. I disputed with XXXX that I had XXXX student loans in forbearance and XXXX XXXX placed them in forbearance as well ; yet, when XXXX XXXX sold loans to XXXX, XXXX did not honor the forbearance and reported late delinquencies. ( See attachment XXXX Forbearance Loan Declaration.pdf for forbearance dates that XXXX XXXX agreed to honor ). I began rebuilding my credit in XX/XX/XXXX or XX/XX/XXXX and sought the assistance of a Credit Repair Specialist. She contacted all my debtors, including my student loans. After 3 months I decided I no longer needed her assistance. In XX/XX/XXXX, XXXX XXXX XXXX reported a Charge-off on my XX/XX/XXXX pay history. I contacted Customer Advocate at XXXX on XX/XX/XXXX. About 7-10 days later I spoke with XXXX XXXX about the Charge-off. She stated that the loans are sold to XXXX XXXX XXXX and can not make any changes to the credit reporting. I disputed the inaccuracy with XXXX and they upheld the credit report and made no changes. I have attached credit reports of my XXXX and XXXX report for reference. **Update : I reviewed my credit report and the Charge-Off in XX/XX/XXXX seems to have fallen off ; however, as retaliation XXXX has reported a " Failed to Pay '' in XX/XX/XXXX. The account was consolidated and XXXX was Paid in XX/XX/XXXX. Also, this is the same dispute I have with XXXX XXXX Assistance. I have attached their response ( XXXX Response.pdf ) for reference. Please note the XX/XX/XXXX date that XXXX has been reporting delinquent, but was not the account holder until XX/XX/XXXX.
I made an additional payment to my mortgage and it was not applied correctly. I contacted the company 6 times to correct, but it is still wrong.
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX** was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX failed to give me my " Mini- Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX  is held liable as well for defamation and in the state of FLORIDA allows for serious fines .XXXX XXXX is not HIPAA-compliant I fail to see where XXXX XXXX is in compliance with FLORIDA LAW. XXXX XXXX has not even tried to contact me regarding this collection account. Please DELETE/REMOVE this account immediately. Thank you!
My original debt was with    XXXX   XXXX   XXXX  .  My debts have now been transferred to   XXXX   XXXX    without my approval.   XXXX   XXXX   terms and agreements are different. I have not been giving any information on what their terms and agreements are. Continuously, they are attempting to get me to do a forbearance when I say I can not pay, instead of trying to give me options to get out of this debt. My hole just continues to get deeper and deeper I believe in access o f   XXXX   XXXX   ju st in finance charges alone. Also, sometimes they will send me email stating that they have already placed me in a forbearance without me approving. When I have made several attempts to collect information or try to find the best option for myself pertaining to this debt I just get transferred from department to department with no resolution other than another forbearance.
This is my second request for help. My mortgage payments were not posted on the correct day. I never spoke to anyone at Bank of America about my problem. I received in the mail a letter about the processing time for night drop that I was not satisfied with.
On XX/XX/2016, someone used my account information to make a {$1000.00} purchase at a XXXX store in XXXX, TX. I saw the transaction and immediately contacted Bank of America to inform them that this was a fraudulent charge. I was at work and had not made the purchase. They opened a claim and reviewed it and eventually stated that it was not fraudulent since a PIN was used for the transaction. I filed a police report and contacted Bank of America once again informing them that it was fraudulent and provided them a copy of the police report. I explained to them that I know that there have been incidents where consumers ' account information including access to PINs has been stolen. They reopened the case and again denied that it was fraudulent even with the police report and my statement. They refused to replace the funds into my account.
My loan was successfully rehabbed and I have made  2  payments to the new owner of the loan,   XXXX   XXXX   XXXX  . As part of the rehab, I was told that the  XXXX  credit bureaus would be advised of my completion of the program, and the late or missed payments that took place during the rehab would be deleted from my credit report. Section  XXXX  states ( after loan rehab ), that the prior holder of the loan must : " request that any consumer reporting agency to which the default was reported remove the record of default from the borrower 's credit history '', and " the prior holder of the loan must, within 30 days of receiving the notification from the guaranty agency, request that any consumer reporting agency to which the default claim payment or other equivalent record was reported remove such record from the borrowr 's credit history. To date, all  XXXX  credit bureaus still have negative information about my Navient account. It is aggravating that I have to follow up on this at all but I do n't feel that it should rest upon my shoulders to contact each bureau and dispute the status. Therefore, I am asking Navient to stand by the original terms of the rehab agreement and update all  XXXX  credit bureaus. I also respectfully ask that because the late payments before the rehab agreement corresponded with my diagnosis and treatment for  XXXX   XXXX   XXXX   XXXX , that those late payments also be deleted from my history. I understand it 's not required, but I am requesting that an exception be made given the circumstances. Than you.
I have already spoken with them and made arrangements to make my payment and they called me today 3. Times back to back. Also told them to not contact my at my job and they keep calling there too
I found a negative collection report on my credit report by SCA in XXXX because I applied for a mortgage loan. I disputed the collection because I never received a bill or notification of the bill from SGA. XXXX was handling my credit report for the bank and they submitted a dispute on my behalf to the credit bureaus. I was informed by the lender that the negative report was removed and I got the loan. I was unaware that it was only removed from XXXX XXXX. So, in XX/XX/XXXX, I applied for a loan and found out that the SCA collection is still on my credit report at XXXX and XXXX. I submitted a dispute with XXXX  because the bank used XXXX  for my application. XXXX  responded and let me know that SCA did not want to remove it because they said, it was a valid charge. I contacted my insurance company ( XXXX ) to validate the charge, but they did not have any information about the charge in their system from XXXX. 

Last week, I filed a dispute with both XXXX  and XXXX based on the same fact that I don't know about this collection from SCA and I have not received a bill for it and I can't verify the information.

I called SCA today, XX/XX/XXXX and spoke to XXXX. After explaining the situation to her, I offered to pay the amount to resolve the matter. I requested from XXXX to kindly submit a deletion certificate of the collection from my credit report after I pay. She said, she couldn't. I requested for a supervisor to call me to see if she can assist me. XXXX XXXX, ext XXXX is the supervisor that called me back. I explained the situation to her too and offered to pay the amount in full, and requested for it to be removed from the other 2 bureaus, based on the fact that I was notified I owe the money and I can't verify it with my insurance company. She told me that is not a valid reason. She added that, the reason that it was removed from XXXX XXXX could be, because they have a different policy in regards to deleting paid collection, but she could not submit a certificate of deletion request to XXXX or XXXX. I told Ms. XXXX XXXX that since I did not receive a notification of the money owed from them, it was grounds to delete it from my record if I paid for it. She however, did not agree with me. I paid the bill ( {$300.00} ) in full and informed Ms. XXXX XXXX that I will file a complain with CFPB ( your office ) and she asked me to go ahead,
My account was on an automated monthly payment schedule. Unbeknownst to me, the automated payment ceased and the minimum monthly payment increased. As soon as I realized, I contacted Bank of America who refunded XXXX late fees and increased the monthly payment. Unfortunately, they apparently did not increase the monthly payment enough and the account went delinquent again and incurred additional late fees. I have tried having these late fees removed multiple times and keep getting denied. In addition, Bank of America reported my account as delinquent the credit bureaus. I have called 3 or 4 times and keep getting told they will request the fees be waived. Then I get a non specific letter saying, " After careful consideration, you recent request has been denied. '' I have done everything I can to keep this account current and feel these penalty fees should be removed.
I have ask for investigation from the credit reporting agency because accounts that are being reported for XXXX XXXX XXXX also known as XXXX XXXX XXXX has never been validated with me. I have no knowledge of these companies and have never made any type of contractual agreement to pay these companies. The credit bureau is claiming they are investigating the dispute but I have been unable to contact the company. My certified letters have always been returned. No phone number to contact company. So how is the credit bureau able to verify information when I am not able. In addition to their bogus investigation process, these accounts are in violation of HIPAA laws.
Everbank foreclosed on my house in XX/XX/XXXX. Then transferred the loan to XXXX and they started foreclosure in XX/XX/XXXX after Everbank had already foreclosed on the property. On my credit report Everbank has a line that says loan transferred. Which leads creditors to believe that I have a mortgage out there somewhere, but I do n't. I have spoken with Everbank and asked them to simply report to the credit bureaus that the account is closed and settled in full, but they refuse. They say that I need to talk to XXXX. I 've talked to both companies and they both are playing the blame game. Everbank says that I owe no money. So because they have the status of the that mortgage as being transferred it is hindering my credit and my ability to receive credit to buy another home.
To whom it may concern : I had a XXXX XXXX auto loan that was charged off in XX/XX/XXXX for a balance of approximately $ XXXX. XX/XX/XXXX I contacted XXXX XXXX to negotiate a settlement. A verbal agreement was reached, but no payment or document was signed. Personal circumstances would n't allow me to fulfill the agreement, I called and informed them. The rep. told me to call back if my situation improved. XX/XX/XXXX I received notification from my XXXX credit tracker accounts that stated a charged off account from XXXX XXXX was reported to my credit reports, the balance was for over $ XXXX. 

I called XXXX XXXX and received an automated response that no one could speak to me. 

I filed a complaint with CFPB, and informed them of my situation. 

I was contacted by XXXX XXXX, see reviewed my complaint and the supporting documents I submitted. She stated that XXXX XXXX 's records do n't show they 're reporting a charged off balance of $ XXXX, but for only $ XXXX. XXXX closed my complaint as it being resolved. Soon after I pulled my credit reports and they showed a balance of $ XXXX. I contacted XXXX, informed her of my finds, and provided a copy of my credit report. She told me she would review it. I updated my CFPB compliant that my case was not resolved and sent a copy of my credit report. 

A week after I provided XXXX with my new credit report, she contacted me and stated that the balance of $ XXXX is correct, because in XXXX XXXX, the credit reporting agencies made a change that requires creditors to include interest and fees of past charged off accounts. I asked XXXX to send me a letter that highlights what she stated to me. She agreed. I followed up with an email asking her to send me the letter. I 'm currently waiting on the letter. Also, I called CFPB and updated them on my case. I was asked to call the credit reporting agencies to see if what XXXX XXXX said was true. I was only able to speak to a rep. from TransUnion, the rep said it was not true to his knowledge, they only report want the creditors ask to be reported. 

I 'm not sure how many others may be effected by this practice, if it is indeed improper reporting. 

Note : The case number for my previous CFPB compliant is : XXXX. The pass code to open the PDF file is XXXX.
Between   XXXX   XXXX   XXXX     and   XXXX   XXXX   XXXX     I was charged {$390.00} in overdraft fees. I contacted customer service and asked for leniency. I was waiting for a check that was several days late causing my account to overdraw. In addition some of the overdrafts were for {$10.00}. I was charged {$36.00} for an overdraft of {$10.00}.   I truly believe its predatory to charge someone {$36.00} when they over draw by {$10.00}.
In XXXX of 2017, I sent a withdrawal slip for {$100.00} dollars to my PNC Bank in XXXX Pennsylvania, to have a cashiers check sent to me, which I have been doing for over twenty years. The PNC Banking XXXX sent me a letter stating that I can no longer have direct access to my account. I will need to give a agent of representative a Power of Attorney to access my account and then give me the monies I need. It seem that due to my incarceration that the Bank has started to discriminate against me.
I have banked with Capital One for roughly 2 years. This morning for the 3rd and FINAL time in the last 2 years I attempted to use my debit card only to have it be declined. After several more attempts I broke down and called their customer service. For the third time I was informed that my debit card was stopped/canceled over suspected fradulent activity 0 notice was given. No email. No phone call. No letter. Nothing. Just canceled. And not only did they cancel it, but on the 2 previous occasions that they did the identical thing. I specifically told them DO NOT flag, or do anything else with my card. If I somehow get my card stolen for the first time in my 35 year life I promise Ill give them a call. Otherwise, if I go to use my card. It should work. Every single time. Seems like a pretty simple concept. But apparently thats just too much to ask. So after sitting though 20 minutes of hold time. And another 10 minutes getting a card sent. I hung up thoroughly angry. I set out to open a new account elsewhere and I when i opened my email I noticed a message from capital one stating I could get their mobile app and have access to a digital copy of the card being issued to use online. WONDERUL I thought! Exactly what I needed. I hurried. Downloaded the App and started searching. 20 minutes, multiple XXXX  searches, and 0 progress later I again called. Thinking surely Im just missing it. 20 more minutes on hold. I explain the situation to the representitive. I tell him i received the email. I go over step by step on speaker opening the app. He then puts me on hold for another 10 minutes. Gets back on the phone and informs me, This is a pilot program and we believe you recieved the email in error. You arent eligible or able to get the card information online. So 2 hours of my time GONE. Over sheer incompetence with 0 fault of my own. The policies are a joke. The website is so incredibly jumbled and unintuitive to navigate. And as if to mock me, I was selected in error to get my card.