WillisBack/dataset-financial-user-claim huggingface dataset:
1 ) The Credit reporting companies are allowed to hold bad credit reports for 10 years, however if as in my cast I dropped a credit card for a better interest rate the 8 years of credit history was instantly removed from my credit report. Their explanation it policy allows them not to use information from closed accounts. This also counts for refinancing home loans after 10 years of good history I refinanced my house and lost 10 years of account history. The worst part is I have 10 accounts your history is figured by adding history and dividing by accounts so I closed a 10 year Mortgage and opened a new one I closed an 8 year credit card the rest of my accounts were all under 3 years old I went from 5 year history to less than 2 year history and it said I have a new credit history and works against me even though you can go back over 10 years on actual history. The Credit reporting companies should be requited to keep all accounts open or closed on history for 10 years so both good and bad can count the current way only favors the banking institutes as they can charge higher rates due to incomplete credit history being used.
2 ) The Credit reporting companies are allowed to use hard hits to lower your score and impact is once again in favor of the banking industries I was car shopping over a 2 week period of time I got between 6 and 8 quotes on cars I wanted. I looked over the data and decided what car fit my price range and returned to the dealer to find out the hard hits lowed my credit score and I was no longer eligible for the quoted rate. Again this is not fair to the consumer but is for the financial institutes. these are 2 major problems as far as I am concerned and need to be addressed and changed. 3 ) The credit bureaus should be working for the consumers not the financial institutes there are other things that are not fair and should be changed like anyone that reports bad credit ( utilities companies, stores that do their one financing ) should not be allowed to do so unless they also report good credit. this will make it so more consumers and get better scores based on real facts not just the facts that works in favor of the financial institutes.
I. DISPUTE Case No. XXXX 1 ) Seterus Inc. 's response of XX/XX/XXXXwas not followed by more information but says, in regard to providing a " single point of contact '' that they may assign a " team '' as a single point of contact rather than any one individual. The problem with this response is that they have yet to identify any such " team '' by name or code number, so all correspondence, calls, emails, faxes, go to n o identifiable person, and I never know who should receive or has received my communications ; i.e. they still do not follow the single point of contact practice for all practical effect.
2 ) They also say ( page one of their letter to me ) their enclosed Account Statement incorrectly detailed the monthly installment of {$1600.00}. But they do not seem to say how they rectified the error.
II. New Issues : 1 ) Seterus ' practice is to charge a late fee when a payment is received after the XXXX of the month. But my XXXX payment, which was mis-routed by the Post Office to Tennessee, still arrived by XX/XX/XXXX according to the certified mail receipt they signed. They said they would look into the issue but have not yet acknowledged their overcharge as of XXXX today.
2 ) Seterus has not remitted my property tax refund : As a low income/XXXX/senior citizen, I was granted a Property Tax Postponement. However, I have been paying my property taxes as part of my loan payment to Seterus. The XXXX XXXX County Tax Collector/Treasurer, which was paid my taxes by the California State Conroller, did not repay me but instead paid Seterus, so Seterus was paid TWICE, by me and by the county. My tax situation is supposed to be a " WASH '' so i do n't owe but am not shortchanged. But if I sold now, i would have to repay the state, and I already paid Seterus, so I would be paying TWICE, Seterus is getting PAID twice. That refund should be going to me so that there is a wash.Instead, i have been using the tax payment money that I was not supposed to pay, to pay for my bills and basic needs. So Seterus needs to repay me.
On or about XXXX XXXX, XXXX, I received a disclosure of credit score information ( XXXX ) from XXXX XXXX. I continue to see the very same key factors that are adversely affecting my scores. 
The very same key factors have appeared on disclosure received on or about XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX. Disclosure attached for your information I have file complaints to credit bureaus and the Consumer Finance Protection Bureau. XXXX credit bureau ( TRANSUNION ) responded that key factors will not be deleted. Why? XXXX responded that dispute was not specific. How specific must I be? In the disclosure information it clearly states the key factors that are adversely affecting scores. There were no specific accounts provided. I have not received any responses from XXXX on this issue. Each one of these disclosure information pages appear to be identical to each other. I am shocked that one of the credit bureaus has the audacity to comment that these adverse key factors will not be deleted. Does n't this credit bureau realize that continuing to report these adverse key factors are affecting my financial life style? 
After reviewing the latest credit files from XXXX ( XXXX-dated XXXX/XXXX/XXXX ; XXXX ( XXXX-dated XXXX/XXXX/XXXX ; TRANSUNION ( XXXX-dated XXXX/XXXX/XXXX ) and going line by line I found no evidence to support these adverse key factors.
This is an electronic complaint about a letter that was mailed to me from the Executive Office 's XXXX XXXX on XXXX XXXX, 2015. I understand that my payment for my account ending in XXXX is late, but Chase violated the Telephone Consumer Protection Act, 47 U.S.C. 227, et seq. ( " TCPA '' ), by making automated telephone calls and sending text messages to my cell phone, including Collection Calls and Automatic Alerts, in connection with my Chase credit card, without my prior expressed consent. I am actually a member of the XXXX TCPA Settlement against Chase ( XXXX v. Chase, Case No. XXXX XXXX, and expect Chase to eliminate my debt and credit to my personal checking account all applicable FDIC penalty fees ( " The banking agencies have the authority to assess CMPs against financial institutions or individuals for violating fair lending laws or regulations. Each agency has the authority to assess CMPs of up to {$5000.00} per day for any violation of law, rule or regulation. Penalties of up to {$25000.00} per day are also permitted, but only if the violations represent a pattern of misconduct, cause more than minimal loss to the financial institution, or result in gain or benefit to the party involved. CMPs are paid to the U.S. Treasury and therefore do not compensate victims of discrimination '' -FDIC ). In addition, XXXX of your representatives has told me that one of my former relatives who has nothing to do with my finances ( I legally became an XXXX when I was XXXX years old, and am possibly in the process of becoming an XXXX ), was able to obtain private information about me without my consent. By anyone 's definition this is harassment.
To whom it Concerns, I am XXXX years old, I am employed at XXXX XXXX XXXX in XXXX XXXX, Ga. My job title is XXXX. I am a single mother of XXXX year old son, who goes to daycare and has been going to daycare since XXXX months old. The reason of this letter is to stop the harassment and threatening calls from XXXX/Navient and come to a settlement or arrangement to pay them off without the calls and threats of garnishing my checks. Also, for a reasonable cost that I can afford based off of my financial situation. I have spoken with Navient and even went through my finances and bills with them to determine if I qualified for a program that allowed me to make a payment of {$210.00} a month, which was still too much for me but I agreed. I was able to get in the program, I started making payments XXXX XXXX, 2016, after my XXXX payment was processed and cleared, by the XXXX Payment they tried to pull a payment out of my checking account on a date I did n't agree on. They also did not send me a copy of the agreement to begin with, so I would not have a copy. Navient tried pulling funds out of my account twice and each time they attempted my bank " XXXX '' charge me a NSF fee on XXXX XXXX, 2016 of XXXX and XXXX XXXX, 2016 of XXXX because I did n't have the money. What happened was the representative changed the date I make my payment but did not delete the previous date an this happened twice where the representative made that mistake of not stopping a payment when I changed the date for it to come out. So that made two attempts of taking funds out of my account. After speaking with several customer services representatives I finally got to speak with a Supervisor who told me that the employees are human and make mistakes and proceeded to defend them and argue me down about being behind on my payments anyways. I have been struggle to just take care of my bills and be able to provide for my son. I can barely pay the bills I have and ca n't afford to live on my own, so I am living with relatives until I can get financially stable. I have explained this to Navient representatives each and every time I speak with them. I do n't make enough to pay the amount they are asking for and I have explained that to them over and over again as well. I need help to put Navient behind me, the XXXX and making it difficult to raise my child like I should. I have a Co-signer on my XXXX/Navient loan, which is my mother who receives harassing calls day and night. It has seriously put a strain on her, so much that she has been making payment on a credit card that she can not afford and causing her to add another bill to pay. She is struggling to pay Navient because of her health issues and medicine she has to pay for. The XXXX and medical bills to pile up as well. My mother has medical needs and the pressure that Student loan companies like Navient is forcing is causing some of these issues for us both. To have someone threaten to garnish your pay checks is XXXX. Outside of XXXX XXXX Navient we still have other bills and health issues we have to pay. We ca n't pay anybody if we are not living. We need help to resolve this life alternating issue.
Wells Fargo is reporting a recent late payment when we were not late. We made the payment over the phone before the due date, got confirmation of the payment as well. 
They are the ones who made the mistake and they have promised me it would be fixed and they have not fixed it yet.
I had money from the VA that was due to me since last month in XXXX and didn't get it and also my tuition was paid in full and I have had my financial aid payments sitting on my account since XXXX. They said they are in receivership and don't have exact dates to when stipends are going to be released. But just as other students I count on that money to help with bills and etc.. I have fallen behind on a few payments because the school has not released my funds. The funds are mine and my federal subsidized loan and they have it on my account but have not sent it to bank mobile as of yet. They don't answer their phones or anything I've only gotten email traffic back from my temporary financial XXXX. I hope this problem can be expedited. Thank you for your assistance with this.
On XX/XX/XXXX, I was approved for the US Bank XXXX XXXX XXXX XXXX credit card. I applied for myself and several employee authorized users. 

However, I received a card for only myself ( -XXXX  ) and one employee ( -XXXX  ). 

I applied for additional employee cards because our company did not receive the original employee cards we applied for, the first time. We applied for our other employees this time, and they were all approved. These were accounts -XXXX, -XXXX, and -XXXX. 

On XX/XX/XXXX statement, I received the {$200.00} bonus offer for meeting the {$1000.00} spending requirement for cards -XXXX  and -XXXX. 

On XX/XX/XXXX statement, I did not receive the {$200.00} bonus offer for meeting the {$1000.00} spending requirement for cards -XXXX, -XXXX, and -XXXX. 

On XX/XX/XXXX, I reached out to US Bank to clarify but the response given by XXXX was that the {$200.00} bonus offer per card is only applicable to those given at signup. 

1 ) When I first applied, I had applied for several authorized user employee cards, not just for myself or for XXXX XXXX ( -XXXX  ). 

2 ) The terms and even the website ( https : //www.usbankedge.com/credit/business-edge-cash-rewards.do ) state that " Each card meeting the spend requirements will earn cash back. '' I met the spending requirements on each card within 90 days of account approval. 

I have had a good experience with US Bank and your customer service shows profound excellence of the bank, but this false advertisement of this card has been confusing and misleading.
I contacted XXXX and tried to make arrangements to settle account, as i was in process of purchasing a condo in Va. we verbally agreed on a {$500.00} settlement paid in full, of which i let them automatically had them take out of my checking acct. the amount of $ XXXX.The bal was to have been paid on the following month. During the time after the first payment i received a letter stating i had a bal. of {$710.00} I made a phone call to them and was told that the amount on the letter was standard, to which i replied this amount was not our agreement and where does it state my initial payment, and the settlement amount we agreed on. In my opinion they reneged on the agreement therefore i am of the impression they lied and pulled a scam.My Payment of {$45.00} to me is debt paid in full ...
We are a HUD approved foreclosure counseling agency and we are working with a client to try to get her loan modified. We submitted a work out package and have had issues from this company in getting this file for review, giving us one excuse after another as to why this is not moving forward. At one point I was told by one of the representative that it was not unusual that it was taking so long that it could take up to a year ( a prior complaint was sent on this company to CFPB ). We recently received a denial letter stating client did not qualify for any modification program. They listed the NPV test that failed, as the reason for their denial stating that they could not come up with a payment within the program guidelines. This was for both their standard modification and the Home affordable modification. After reviewing their denial letter and the vague explanation for denial I proceeded to perform my own calculation using the figures they had provided. I also performed another NPV test again using most of the information they provided and the result form the NPV test I performed was positive and it state the client may qualify. My concern is that this file is a rather difficult file since the client has rental income as her primary source of income and other outside the box issue that this company did not do a accurate and complete review of this file. I believe a experience and knowledgeable underwriter needed to be the one assigned to this file as they would have been better equipped to understand how to underwrite. Also looking at the way this file started and the issues we have had since the inception of this review, I question the commitment this company has had to truly assist this client. I feel that it has been demonstrated through their action that they may have used whatever excuses to deny my client instead of working to approve.
We have XXXX in our home. When they installed it, it did not work right. We kept having connectivity issues. We contacted them several times. They checked things on their end, but took their time correcting it. During that time, we told them we want the service, but it has to work right. They understood, and eventually got someone out to our home to confirm that they aligned the dish " wrong '' and that was the cause of all of our months of issues. Now, we are applying for a new home loan, and this comes up! We did not know it went to collections as well. This is totally WRONG. XXXX admitted their installation error ( " ... it was a Level 1 Technician ... '' ), and waived the equipment charge. They also admitted that they shouldn't have billed us for this in light of the issues at hand. 

NOW I have learned that IC System Inc XXXX Collection XX/XX/2016 {$220.00} is related to the XXXX error. Our bills are paid up. This collection reference is bogus, and should be immediately removed. XXXX will confirm we are paid as agreed.
Dear Sir or Madam, I am writing you to report a total injustice of my credit report being pulled 18 times for one vehicle loan. I only gave XXXX XXXX permission to pull my credit on one occasion. I checked my report and it had been pulled a whopping 18 additional times plummeting my credit score to the 500 range. I did not authorize the below 18 inquiries.

Please place yourself in my shoes and stop this egregious practice from dealerships damaging consumers lives.

I am requesting that the 18 inquiries listed below be completely removed from my credit report within 30 days. I appreciate you assisting me in contacting the below 18 companies to have the hard inquiries removed from my credit. I have disputed this atrocity through credit bureaus with no results.

List of 18 companies below to be removed from my report : Automotive, XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX  XXXX  Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX Please feel free to contact me with any questions or additional information at XXXX or XXXX. 

Sincerely, XXXX XXXX
In review of my Equifax Credit report I discovered XXXX bankruptcies and XXXX judgments. There XXXX items and dates of these filings are unknown and may have been filed by and against someone with a similar name.
On the XXXX of XXXX XXXX at around XXXX i noticed that i misplaced my wallet along side with my XXXX XXXX XXXX, so, i called my number but the person who took it refused to pick up, so i sent a text which i knew pretty much that he can only be read but he cant reply because of the security code on it, but surprisingly he responded, so i pleaded with whom ever is involved to returned my stuffs back with the promise of paying him or her any ammount he/she needs, he greed to take {$300.00}, but i pleaded to the extent of {$50.00}, which he agreed, so he concluded to meet me up at XXXX XXXX on XXXX XXXX, when i drove down there, i couldnt find no one, and i cant call because i was using a XXXX account which uses wifi, so after waiting for some time, i decided to go home back, on my getting home to get an internet coverage, i received his message saying i should get my wallet and phone at a clothing and shoe donation can at XXXX XXXX by XXXX XXXX XXXX, which is 2minutes away from me, on my getting there, i found it, i saw an alert on my phon of {$260.00} which as been deducted from my account with my debit card with XXXX which i do use to send money to XXXX , i called my bank immediatelyto file a claim, and i was been credited, on the same spot i called on the police to file a claim as well, which my claim number is XXXX XXXX XXXX XXXX XXXX. 

my name is XXXX XXXX XXXX.
Creditor closed account without warning due to period of inactivity. 
I do n't use the card often. The closed account appeared on my credit report and adversely affects my credit rating. The creditor should have advised me that failure to use the card would result in the account being closed.
Portfolio Recovery Associates LLC has been contacting me about a statute of limitations expired debt. They admit that debt is too old for them to sue me for collection. But they continue to report debt as starting in XXXX 2012 ( when they bought this account ) even though debt is over 7 years old. I have sent cease and desist letter and asked them to remove the expired debt from my credit reports. But they do not do so.
This issue is in regards of my Navient account : # XXXX After checking and trying to balance my Student loan payment, The payments reported made to the capital do not match the total amount of the loan. 

As of XX/XX/2016 I consolidated the loan with the XXXX program available. However, the payment made to the capital was for : XXXX. 
If you add up the payments gone to the capital for every month since the re-payment of the loan, It Equals to {$3500.00}. 

The total amount of loans received is : {$18000.00} If you deduct {$3500.00} from the capital of {$18000.00}, the amount of the capital of the month by XX/XX/2016 should be : {$14000.00} All my federal student loans were subsidized and should not have accrued interest while I was in school, or in my 6 month grace period. 

I have paid since to date ( XX/XX/2016 ) interest of {$3800.00} + Capital of {$3500.00} ( = {$7400.00} ) yet my loan had only gone down {$1100.00}. 

I 'd like the CFPB to investigate Navient and my subsidize loans and audit my account to be re-adjusted with the capital I paid and the Interest I over paid.
I transferred ( Wire Transfer ) money from XXXX XXXX XXXX on XXXX/XXXX/XXXX to Coinbase, Inc amount of XXXX USD. The Money was transferred same day from my bank account. I have contacted the recipient through there web site asking about the status of the transfer. I have requested them 5 to 6 times in past 5 days. They responded for my 1st request asking the Federal Reference number for the transfer. I sent the required details, but till date no response from them. The CaseID with CoinBase Inc is XXXX. Attaching the Email exchange and Bank Statement ( To Confirm the money was transferred from my account ).
Hi My name is XXXX XXXX XXXX. I have recently came out of a bankruptcy with discharge success. Once I came out of the bankruptcy Ocwen ( XXXX mortgage ) would no longer take my payments. They gave me XXXX options : 1 ) pay the reinstatement amount 2 ) apply for a hardship modification. I have spent the last 7 months apply for the modification. I have sent and resent information to Ocwen over five times per their request. Now they have sold the paper on my loan to XXXX XXXX. It appears the process may have to start all over. I want to keep my house but I think I have been set up for a foreclosure. I need your help to maintain possession of my home. Please advise ... ... ... ... ... ... .. 
Sincerely XXXX XXXX XXXX Loan number with Ocwen : XXXX Thank you
XXXX XXXX XXXX/ TARGET CREDIT DATE ACCOUNT OPENED XX/XX/XXXX BALENCE : {$450.00} DATE OF MAJOR DELINQUENCY XX/XX/XXXX THIS IS NOT MY ACCOUNT. I LOOKED AT MY CREDIT REPORT IN XX/XX/XXXX AND FOUND THIS ACCOUNT THAT IS NOT MINE. I ALSO CONTACTED TARGET AND MADE THEM AWARE. THEY WENT TO ALL 3 CREDIT BEAUROS AND REPORTED IT AS OF XX/XX/XXXX AS MAJOR DELIQUENCY. I ALSO DISPUTED IT WITH THE 3 CREDIT AGENCYS. THE LADY AT TARGET CUSTOMER SERVICE TOLD ME SHE DIDNT CARE ABOUT ANYTHING I WAS SAYING AND JUST WANT A CREDIT CARD OR BANK ACCT TO COLLECT THE XXXX