WillisBack/dataset-financial-user-claim huggingface dataset:
Ive been dealing with First federal credit control for YEARS now! They are Still reporting FOUR collection accounts on my credit report that should have never even been on my report to begin with! I had set up a payment plan with my doctors at university hospitals ( terms were I would pay {$30.00} each month ) but once the bills technically showed past 90 days they were reported to first federal credit control but they shouldnt have because, i was paying the {$30.00} each month and even have verification to prove this! I also have written verification from XXXX XXXX stating these accounts should have been deleted yet they arent and Im being lied too! Ive filed dispute letters with the 3 credit companies and first federal credit control! I spoke with XXXX XXXX via a recorded phone line on Thur. XX/XX/XXXX.. he informed that they did grant my request for all 4 collection accounts to be permanently deleted from my credit report and electronically filed that on XX/XX/XXXXto credit bureaus. YET all 4 are still being reported as of XX/XX/XXXX! Ever time I call its impossible to get through to anyone and am transferred to voicemails its such a joke, this company is a complete violation of basic consumer rights! Even when I do finally reach XXXX XXXX baxtor himself Im given complete attitude like Im annoying him, Im sorry Im sure he would feel the same way if he had 4 negative collection accounts on his report that shouldnt be there!
They have incorrect information on our transaction history for XX/XX/XXXX and XX/XX/XXXXr ofXX/XX/XXXX. We have repeatedly sent them proof of on time payments. They will not fix this issue. It has prevented us from obtaining a new home loan. We have sold the home that had this loan. We are currently in a Chapter XXXX. We had courts permission to sell that home. We have courts permission to obtain new debt. We cant be cause of their unwillingness to correct their errors.
I received an alert from my Credit Monitoring Service that said I had a change. When I looked it up it was XXXX XXXX. I went online and looked at my account at XXXX XXXX credit account ( which is a credit card for XXXXXXXX XXXX XXXXXXXX Warehouses and good at Walmart also ). It showed my credit account was closed due to inactivity. I have had this account since XX/XX/2002. I called XXXX XXXX and went up the chain of command on this and I got the same response each time from 3 different people. I was told it was closed due to inactivity. ( I probably have not used it to charge anything in a year or so. ) However, I received NO notice that it would be closed. They acknowledged that they do not send out such a notice!! I find that ridiculous! I had no balance on this account and I always paid off my balance every month. My credit is very good. I am angry that I received no notice that they would do this. Their response was that it was in the terms of agreement when I opened the account ( XX/XX/2002 ). This is very poor business practice and unfair to the consumer. Closing my credit account hurts my credit score unfairly! Their response was that I could reapply for the credit account ( which would again hurt my credit score to open another account ) ... so double hit to my credit! They stated they could not reopen the account they closed.
I have recieved a notice from XXXX XXXX XXXX for a debt that is not mine. I have no knowledge of debt nor have I ever done business with XXXX XXXX XXXX. I have no contract with XXXX XXXX XXXX. 

I have sent notice to the original creditor on XX/XX/17 and have not recieved a response. 

XXXX XXXX XXXX has been given access to my private medical records which is a Hippa Violation
There are Hard Inquiries on my report that were not authorized. I am in the process of repairing my credit and noticed these inquiries. When I called, I was told that I had to call those companies directly, who in turn tried to point me back to the bureaus which is becoming very frustrating.
Capital one is harassing by sending spam paper mail communications. 

The opt out process is unclear and difficult. 

Capitol one is violating my personal privacy. 

Capital one is sending unsolicited harassing communications that create a threat to personal privacy. 

XXXX is not at the address.
I have been in contact with XXXX XXXX through three letters explaining my conundrum with regards to XXXX/PAYPAL account number XXXX. 

Way back XXXX 2012, while I was still a XXXX in a XXXX XXXX, I donated {$5.00} as a goodwill to a family in need using my Paypal Account. I have a debit card linked to my Paypal Account back then and did not realize that there is an opened XXXX/PAYPAL account and was linked to my Paypal Account. Confident that this {$5.00} was charged to my debit card, I did not realize that the actual {$5.00} was charged to the XXXX/PAYPAL smart connect card. As a result, I missed the payment. This {$5.00} was then transferred to XXXX XXXX collection department that had accumulated {$87.00} including the {$5.00} principal amount which I have already paid off. But before that, the account was then charged off. 

I was never notified about this {$5.00} charge. Ive never received any bills or statement by Synchrony back. I did not even notice that Synchrony credit card has been opened and I never receive any card nor activated one. If only I have been notified about {$5.00} would have been paid in a heartbeat. Even though I strongly believe that I am not liable for the accumulated fees I still paid off the amount charged to me. 

I have asked XXXX XXXX many times to consider my situation. I could never believe that a simple gesture of kindness would cost me dearly. I could not believe that I could suffer like this for wanting to help someone in need. 

I am requesting yet again for XXXX XXXX to please consider all facts and for this account to be removed from my credit report. I have been denied several loan applications due this issue. I never intended to miss any payment especially when I have the ability to pay {$5.00}, if only I was notified. Attached to this letter are copies of the three letters I previously sent.
Our loan was sold from XXXX home finance to Fay Servicing in the middle of our modification process XXXX 2016. We were told in writing by XXXX fay servicing continue the modification process. They did not. They almost immediately foreclosed and sent no notice of foreclosure sale as required by law. They were notified nobservice of foreclosure sale had been given. 
But they continued with the sale on XXXX/XXXX/16. Under the national mortgage settlement agreement a mortgage transfered or sold to a new servicer/lender from XXXX of the Big XXXX banks must still be considered for a modification if the process has already been started. 
Fay Servicing has violated this and Tennessee state law for no notice of foreclosure. 
We need help keeping our home.
On my equifax account there is an address reported that 's not mine I 've never lived there ... Also when I people search my name someone else 's info appears along with mine ... Here is the address that appears ... XXXX XXXX XXXX XXXX XXXX, MO XXXX ... it 's the address of a XXXX XXXX aka XXXX XXXX and XXXX XXXX .... My 1st married name was XXXX XXXX
The CRA 's have added fraud alerts and security to my credit report without my requesting it. This is a violation of FCRA regulations. I am providing my id info to verify my identity and as proof that I never requested these alerts ...
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX  refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Selene Finance engaged in the prohibited practice of " Dual tracking '' while I 'm applying for a loan modification.
I have a credit card from First national bank of Omaha, which I have been actively using since the day I obtained it. I have always made regular payments to this card without ever being late or delinquent. 

I recently tried to use the credit card at a store but my card was declined, I assumed this would be some issue with the terminal there, so I paid using cash. 

Later I got a letter from the bank ( dated XXXX, 2017 ) saying that they observed some unusual activity on my account and they have blocked my credit card temporarily. I was also asked to call on a phone number mentioned on the letter to get this issue resolved. When I called the bank on XXXX XXXX 2017, I was told that they can not provide me any information or explanation as to why the card was blocked, and I need to fax them my state ID, SSN and a utility bill. They also refused to send me a written or email communication asking for these documents. 

I am not comfortable sending all these documents to the bank, I am also having a hard time making payments since the credit card no longer works. 

I would really appreciates if CFPB could look into this matter and help me get this issue resolved with the bank
Although I have been told on multiple occasions that midland credit has no verification of information from XXXX, a contract was signed or any of the validating information, they refuse to remove
I have the following point denominations spread across three versions of the Barclays XXXX Rewards Visa : XXXX XXXX XXXX Together, I should be able to redeem XXXX out of these XXXX points for an XXXX  gift card. However, Barclays offers no way to combine these points. 

XXXXXXXX XXXX 0 % financing is only good for the first 30 days after account opening, so you are incentivized to open a new card every time you purchase an XXXX product.
Sallie Mae has been applying anywhere from one-third to over half of my monthly payments towards interest, rather than all of it applying to the principal, which is what I was under the assumption it was going toward. This is a trick to get me to pay more money in the long run and I did not approve it. I wanted all of my payments to go toward the principal amount of the loan. This is scamming business. Also, they have raised my monthly payments rates despite me having taken out locked interest rate loans. I am supposed to pay the same amount every month and they 've changed it in the last year without any indication that it was being changed or why. This company is a scam.
Wells Fargo has delayed the review of our re-finance of house. Application was submitted in XXXX and we just found out they denied. They constantly asked for the same info over and over again. 
I was constantly calling them with no response. The manager said she was sitting at different desk that 's why she never replied!!
I spoke with XXXX on XX/XX/XXXX and advised that I did NOT WANT my payment to be debuted in the XX/XX/XXXX, and wanted it to be debited on the XX/XX/XXXX. She said that she had changed to date and that the payment would not go through. However the payment still came out on the XX/XX/XXXX due to her not canceling the auto debit, which in turn cost me overdraft fees with my bank. I called and attempted to resolve the issue with her and advised this was her mistake which she admitted but she said there was nothing she could do. I advised her that this is the second time that she has made this mistake and during the last mistake she even offered me a personal loan due to her error. I respectfully declined. My bank did a conference call and she also admitted to them that it was her fault however she said she had no way of reversing her error. She also admitted that she finally opted me out of auto debit ) which should have been done ). I spoke with her this morning and she advised her district manager said they are not refunding the fee or reversing the payment although it was her error.
My XXXX and XXXX of 2016 have been paid out of my bank but they are not being applied to my mortgage. I have contacted the mortgage company on multiple occasions and by multiple medias and the problem is still not resolved. I am getting late payment notices from them even though they are aware of the issue.
Several recent attempts have been made to the creditor to settle this debt. My claim is that Ditech used Unfair and Deceptive Acts or Practices and was mislead me to believe providing additional information and establishing a settlement amount would lead to a resolution. Ditech stated it must receive financial documents in order to determine a settlement. When documents were received, Ditech agreed to settle in the amount of 10 % and made several calls to " see if we were on track '' to settle the account for the balance. Even as far as to see if I had applied for a loan to get up to the determined amount, I in turn requested the settlement in writing. Ditech, manager XXXX XXXX, specifically stated that they would honor prior conversations stating a 10 % settlement offer. Additionally, Ditech approval manager XXXX, called to gather more personal and private family details, even ethnic background, family size and financial information and related individuals. I advised that I was unwilling to provide such information and was awaiting written documentation of the 10 % settlement agreement. As of XXXX/XXXX/15, Ditech has not called or returned an messages and has not provided the settlement offer. Ditech was made aware that our contact was only made in attempt to settle the debt. By providing the specific settlement amount and agreeing to honor prior communication, Ditech mislead, me as the consumer, by not following up with their promises to settle at 10 % and provide a lien release. I did not receive a settlement offer as discussed nor has Ditech returned or made calls to make good on the promise. Ditech requested extensive financial documents with no intent to settle the debt. Please review FTC XXXX XXXX XXXX legal standards. Ditech has successfully avoided contact with me since XXXX/XXXX/2015, no follow up on dates promised and has deceived me at the debtor. Contrary to our prior conversations on XXXX/XXXX/15, Ditech had no intent to contact me and has continued to act unfairly by deceptively requiring financial and personal information for a settlement and avoiding contact. Ditech mislead me by not following up as promised, by not providing the settlement after calls were made to " keep us on track '' providing the settlement amount without providing the written or supporting documentation. Ditech, formally greentree, has used this practice in the past by promising a account resolution by providing financial documents and no longer responding. They 've used malicous tactics and made degoratory comments regarding my health and the health of my children and family. That is misleading and deceptive and gives consumer false hope of resolution. Specifically providing an amount of settlement and no longer following up is antagonizing and misleading. Additionally, I have discussed my situation with other Ditech account holders and I have reason to believe that other borrowers in a similar financial position but of a different gender and ethnic background have not been treated similarly. I would like this situation resolved immediately.
Over the past two years I have requested information from Wells Fargo concerning what I believe to be inappropriate steps leading to the foreclosure of my home and ultimate sale. I have requested information on the number of homes foreclosed and sold in certain geographic and census tracts. I feel that my loan was not considered for a modification appropriately. The only remaining need for consideration for a modification was a statement that the utilities were on at the location. I provided Wells Fargo with a statement from the utility company with the service location noted. The utility company mailed the statement to my XXXX. The XXXX is listed on my Wells Fargo Account and has been listed for 5 -7 years. I provided Wells Fargo with the reinstatement letter on the day of the sale. This was the exact same information I provided to Wells Fargo 30 days prior. I believe Wells Fargo for a cancellation on the sale. Wells Fargo refused to post pone the sale. Based on the history of behavior, I believe my home along with others that were located in transitional economic areas were targeted to be sold to a subsidiary of Wells Fargo and thus taken off the books. I am requesting information on the number of foreclosures, in the year XXXX and XXXX and the geographic location of these foreclosures.
Over 9 years ago my wife and I needed to rebuild our home. We turned to Wells Fargo for an immediate construction loan and then requested conversion of that loan into a conventional 15-year conventional mortgage. Instead, we received a proposal for a 30-year mortgage, which we rejected. At this time our daughter was diagnosed with XXXX XXXX. Wells Fargo, well aware of this situation and of our need to complete the rebuilding project as soon as possible, provided a revised mortgage proposal. To help with her extensive medical care and to provide for her XXXX children we moved all of them into our home as soon as the rebuilding was complete. Our daughter XXXX XXXX in XXXX. We are still raising our grandchildren. What Wells Fargo provided us was nothing like a {$650000.00} conventional mortgage. After paying on this 8.375 percent interest loan for almost 10 years, the face amount has only been reduced to {$630000.00}, and that is only because we made some more than required payments. This loan made the nearly {$5000.00} monthly payments go to interest payments only for the first 10 years. In XXXX of this year the interest rate will change, and the maturity date will be XX/XX/XXXX. In other words, Wells Fargo ignored our stated request for a 15-year mortgage twice, sending instead a second agreement that was altogether worse than the first and again for a 30-year period, but with even worse interest costs than the original offer. While we were focused on our daughter 's XXXX and XXXX illness, we trusted Wells Fargo to present in its second proposal the terms which had been conveyed in the original application process and consistently repeated in all of our subsequent discussions and correspondence. XXXX XXXX, the loan agent for this Wells Fargo mortgage, we understand no longer works for the company. Inexcusably, this is another example of this infamous major financial institution intentionally taking advantage of consumers who are in a vulnerable state. My wife and I are now in our seventies. To say the burden of this usurious mortgage obligation has proved to be a financial disaster for us is a gross understatement.
I received a act 91 notice from seterus, my mortgage servicer. This company is well aware that XXXX  XXXX placed me in a modification problem that ended XXXX 2017.
I received a call from a company called XXXX saying they were trying to collect on an old debt for XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I explained to them that I had filed a Chapter XXXX back in XX/XX/XXXX and if they could provide me a copy of the debt they are trying to claim for {$1600.00}. They advised me that I was facing fraud on writing a bad check and deception of a financial bank. When I again pushed to have something sent to me in writing the caller hung up. When I tried calling back they refused to take my call. I will state that this caller did have personal information about me where I lived and my SS #.
In XX/XX/XXXX I began my XXXX studies with the University of XXXX XXXX, CA and completed this program in XX/XX/XXXX. 

I began my XXXX  studies in XX/XX/XXXX with University of XXXX and completed my XXXX  studies in XX/XX/XXXX. 

I was also enrolled at the University of XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX, for the for their XXXX  level XXXX XXXX XXXX XXXX, these credits were later applied to a XXXX degree in XXXX XXXX with the University of XXXX in XXXX of XXXX, I completed this program in XXXX of XXXX. 

During this time frame I used part of my G.I. Bill for these programs along with student loans. I had a series of health issues that were not resolved while on XXXX XXXX that were later compounded that required me to request a deferment/forbearance of my student loans due to my inability to work. Some were granted to my knowledge whereas others were not, which I continued to resolve. 

Upon careful review and further evaluation by the VA my XXXX rating was increased to 100 %, which qualified me for the Total and Permanent Disability ( TPD ) program for my student loans. 

On XX/XX/XXXX DOE directed XXXX XXXX and XXXX XXXX XXXX to suspend collection activities on my student loans until they could determine my eligibility for discharge. Effective XX/XX/XXXX, the DOE had approved my discharge of the federal student loans on the basis of my XXXX  and XXXX  XXXX. 

In closing from the very beginning my student loans were never properly reported, some start dates began before I was even enrolled in school, which I attempted to address with XXXX XXXX. To my knowledge this was never corrected. 

Additionally, I have 24 trade-lines ( student loans ) that are listed as late or in default in excess of 120+/180+ days. In addition to these issues several of these same accounts have exceed their legal reporting periods of seven years, with multiple that are over 10 years. In previous communications via letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, XXXXU.S. Department of Education is in violation of Section 623 ( a ) ( 2 ) of the FCRA.
Car was repossession was sold by XXXX XXXX.But they are trying to collect the total amount we owned before they got it.Also we file bankruptcy which has this amount they are still trying to collect by putting a lean on our property.
Used automated text messages to spam my phone. I did not opt-in or agree to collection text messages.
I used Experian 's shady site to see if I 'm affected by their massive data breach. It seems that I am. I want to complain about the fact that it happened and that the service they 're using, if it 's even legitimate, seems to just be a way to con people into waiving their right to participate in a class-action lawsuit. 
The entire thing is ridiculous.