WillisBack/dataset-financial-user-claim huggingface dataset:
When I started college in XX/XX/XXXX XXXX XXXX was the biggest lender out there to provide assistance. Fast forward to XX/XX/XXXX when I graduated my repayment was over {$900.00} more than my pay check was every two weeks. I went back to school because that was the only option I had until I could figure out how to pay my loans. I graduated with a XXXX degree. My payments kicked back in and my payment was {$980.00}. I do not know what world these student loan lenders get their interest rate, but no one realistically can pay {$980.00} and still survive. I called them and told them my situation, which was I was pretty much living off {$20.00} after paying all my bills. They told me because I made the payment of {$980.00} in XX/XX/XXXX and XX/XX/XXXX that they would not help me because it looks like I can pay my payments. I had to put bills in other people 's names because I could not support myself. In XX/XX/XXXX, I let my account fall behind because XXXX XXXX is to call you about the past due within 5 days. 5 days went by and I had to call them. WednesdayXX/XX/XXXX, I called and spoke to a financial adviser about what my options could be. After going through a million questions about mine and my co-signers income, XXXX XXXX offered me an extended repayment program at 2 % interest rate and a payment of {$340.00} a month. Both parties agreed on these terms. They sent me a letter in the mail stating what the terms were. I was put into a qualifying period for XX/XX/XXXX and XX/XX/XXXX to make sure i could pay the payment due, which is an automated debit every month. I made the XX/XX/XXXX payment no one called from XXXX XXXX to say my account was past due. I made my XX/XX/XXXX payment and XXXX XXXX who agreed to these terms with myself and my co-signer, called my co-signer 8 times to try and get her to pay {$1800.00}. Not happening. They called me and I spoke with them they wanted me to pay {$2000.00}. I the customer told them about the terms which I agreed to with XXXX XXXX and they told me that there was no note on my account saying I was in any type of extended repayment. If they continue to call I am not returning a single call nor will my co-signer. I stated on the phone with them I nor my co-signer will not be calling them back to continuously get worked up over the lack of communication this company has with its customers, but also within the company itself. XXXX XXXX will forever make you regret that college was ever an option to better yourself and make a difference in the world.
I have never opened/or knew about this credit card or I did not make a purchase of {$3300.00}.
This company has purchased a false debt previously owned by XXXX XXXX XXXX. I reported this debt here against XXXX   back in XXXX of this year, 2018. Report number then is XXXX. That company also reported false information to the credit bureaus as did this company, Commonwealth Financial Services. I have called on a recorded line to inform Commonwealth of their error, I have sent certified letters in regards to this debt and I have disputed this debt with the credit bureaus only to have Commonwealth declare the debt to be valid and the derogatory information to remain causing a substantial drop in my good credit status. My next step is legal action if this information reported is not deleted from the 3 bureaus and the debt discarded. This is NOT my debt nor will I ever pay it. I demand Commonwealth to remove my information immediately or face certain legal action. I can provide copies of previous reports showing this debt is invalid while under XXXX  and as well as my previous report and outcome from the CFPB.
On XXXX/XXXX/2017 I walked into Conns and gave them a payoff check for our merchandise. The check exceeded the amount due because Conns did not report the accurate amounts to my lender for mortguage refi. They owe me around 4600 and  advised me they would send this to the corporate office and in 10 business days they would send me the refund. I called 2 days later to the corporate office and it was confirmed that the money would be received in 10 business days. This last Monday I reached out verbally as was advised it was going to take 30 days and they had no clue where my money was or what the process entailed and then I sent a complaint through their automated system where it took 5 days for them to get back to me and I was advised that their accounts payable team has n't heard anything. No one can seem to locate the money or overpayment and yet they have cashed the check and it has cleared. It is unfair that not only are they sitting on the refund gaining interest but refusing to communicate internally and advise me of where they are in the process. I believe I should be given the correct time frame to process as well as where they are in the process.
There is an account from  XXXX   XXXX   XXXX  appearing on my credit report and it should not be there. This was previously disputed and removed and it has now reappeared.
XXXX XXXX XXXX XXXX Ally bank is a blatant liar. The letter she submitted dated " XXXX XXXX, XXXX '' is a complete fabrication, it was created in the same time frame as her letter dated " XXXX XXXX, XXXX ''. I have attached the actual correspondence that I received from Ally dated " XXXX XXXX, XXXX. ' This document can easily be validated by the barcoding, XXXX XXXX left that off the " suddenly discovered '' letter she back dated. 
If you read the real letter from XXXX XXXX of last year, it 's obvious that no further communication is needed or expected. The XXXX letters she submitted as my " final resolution '' of my complaint are an amateurish cut and paste job.
We have an extensive number of reports all associated with our problem and situation stemming back 10 months or more. It has handicapped our ability to borrow severely creating financial difficulties. There are two very distinct issues in complaining about the credit reporting- A ] All three agencies- although advised were in sync with, our information they re NOT as witnessed by new complaints [ XXXX XXXX . ] B ] There are other unknown credit reporting agencies feeding information to potential creditors that have incorrect data. How are we to repot and correct them? Previously we identified one and reported but our understanding is there are OTHERS! The complaint is the total lack of concern by your agency to PROTECT consumers from this abuse? We have been rejected in the past week from close to 10-12 lenders.
Please see attached copies of the - XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX prior to the deletion that occurred in XX/XX/XXXX per law. The original date of the first delinquency was XX/XX/XXXX which has now been reentered illegally reflecting a date of XX/XX/XXXX. Also, my credit score has taken a major hit as the account is reported as the first major delinquency as XX/XX/XXXX which was previously listed as XX/XX/XXXX. I have attached a copy of the XX/XX/XXXX reported where it was aged off but it appears they are attempting to illegally re age the account to remain on the report.
Transunion is violating Federal Law as follows and they must remove the Bankruptcy Record. 
Based on The Fair Credit Reporting Act -15 U.S.C. 1681, I request that you remove of the Bankruptcy Filing statement in my credit report. Your Agency is in violation of The Fair Credit Reporting Act -15 U.S.C. 1681 The Fair Credit Reporting Act -15 U.S.C. 1681 states of the Credit Bureau running reporting period to be no more then 10 years. 
However, in section 605 of the Fair Credit Reporting Act, the requirements relating to information contained in consumer reports 15 U.S.C. 1681c ( C ) Running of Reporting Period of 7 years for section ( 4 ) and ( 6 ) only. NOT for Section ( 1 ) It does not mandate under federal law, 10 years for Bankruptcy in reporting time, such as 7 years or 10 years. There is no minium in running of reporting time. The federal law is very clear as it states no longer then 10 years but it does not address any Running of Reporting Period for Bankruptcy.. 6 Months? 12 Months? 2 Years? 3 years? 4 years? 5 years? 6 years? 7 Years? 8 years? 9 years? 10 years? 
Thus I have the option under section 605 of the Fair Credit Reporting Act of the Fair Credit Reporting Act to request removal as deletion 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
C ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 
Based on The Fair Credit Reporting Act -15 U.S.C. 1681, I request that you remove of the Bankruptcy Filing statement in my credit report. Your Agency is in violation of The Fair Credit Reporting Act -15 U.S.C. 1681 Your violation is legal case for Defamation of Character besides Federal Penalties under The Fair Credit Reporting Act -15 U.S.C. 1681 as you have no legal grounds C ) Running of Reporting Period. To the Bankruptcy
XXXX XXXX says that there is an opened credit card with {$7200.00} balance. I havent had a XXXX XXXX card since XX/XX/2004 and it was always paid off. Tried numerous times to get it removed. No response from company. Hurts my debt to income and credit score.  Also State Farm Bank put a 30 day XXXX payment on my credit, but they have over 22,000 points that would have paid that payment. Also, payment was automatically paid every month. Never notified of expired payment.
On XXXX XXXX XXXX I accepted a balance transfer offer from Capital One for {$6100.00} with a 3 % transfer fee and selected to have the amount sent via a connivence check. The check was sent to the incorrect address because a customer service rep mistyped it on my account. I have contacted their customer service several times and have been told to just wait. After 3 weeks I contacted them for a third time as was told the check was returned and will be destroyed ; however a new check can not be issued until the funds are credited to my account. The rep then proceeds to tell me that the credit will not be taken off for up to 2 billing periods and that I am expected to make minimum payments on funds that I have not received. They refuse to credit the account immediately and refuse to waive minimum payments while they credit the account. Capital One is putting the burden and cost of their clerical error on me the consumer which is something that is unfair and malicious.
Every transaction for the Wells Fargo issued credit card was transacted by XXXX XXXX, Founder and CEO, on behalf of XXXX XXXX XXXX. The card was issued under the name XXXX XXXX XXXX, yet Wells Fargo was already aware of the card 's intended use and the card was obtained for XXXX XXXX XXXX. XXXX XXXX has reported the incident to Wells Fargo to which the CEO contacted him recognizing there is an issue. XXXX XXXX did not engage in a phone call, as the correspondence with Wells Fargo already stated to never contact him with the only " legal '' option being account closure. The communication of only ( 2 ) messages is easily retrievable. Wells Fargo has now been calling up to ( 4 ) times a day with ( 3 ) times most days for multiple weeks. I would like them to never contact me again, but it seems they believe laws of the US do not apply to their organization. No other organization ( not just financial institutions ) has engaged in such incessantly intrusive and harassing activity.
I have sent TransUnion,   XXXX   and  XXXX  each a letter stating my current most updated personal information and that all other information is not accurate. In return either non of the information is updated or partial of the information is updated and other random information such as my social security number was deleted.      XXXX / XXXX /   17 Mailed Address, Name, Work, Phone Number Information update. As of Mid   XXXX , only partial information was updated but old information was still being reported.   XXXX  Delete all other irrelevant information per my letter and only report the current updated information.
Hard inquiry appears on my credit reports - Transunion, XXXX, and XXXX, however this inquiry was unauthorized. I attempted to notify the company directly, however they have been unresponsive.
I have filed multiple disputes with this company about continuing to report as a factoring company and an open account on my credit report. Portfolio Recovery Associates ( PRA ) is in violation of the Fair Credit Reporting Act ( FCRA ). The collection has been paid since XX/XX/2016 and they have yet to report the account as closed. I will continue to seek action until something is done about it.
I received a phone call this morning and spoke with the lady on the phone and then I spoke with a gentleman named XXXX. I was informed by the lady that I was going to be served by XXXX County Police Department and if I did n't pay it then legal action would be taken and the paperwork was to be served for to appear in court. I was also told that she would see my accounts that were attached to this loan. And I was also told that it would go after anyone who was a reference on my account and also that they would serve me either at my place at home or my place of business. To not give me information on what the paperwork was for until I spoke with XXXX it was just to let me know that they we 're just giving me information about what they were trying to do. She did not inform me at first of the conversation either that this was an attempt to collect a debt.
I previously filed a complaint against PennyMac Mortgage ( Case number : XXXX ) that was never resolved by the cfpb. The complaint then and now, is that the lender is taking advantage of consumers who enroll in the PennyMac Autopay Biweekly payment program and unfairly NOT reducing the principle balance of mortgages when the biweekly payment is received. The attached payment history clearly shows that biweekly payments are received, but the principle balance is not reduced at all until the end of the month. Meaning that consumers are unfairly paying interest on the incorrect 'higher ' principle balance for those couple weeks each month. PennyMac continues to refuse to apply the principle portion of the biweekly payments to the principle balance when it is actually received. The whole reason for enrolling in the biweekly payment program is to pay off the mortgage early and reduce interest payments over the life of the loan. This practice of NOT applying the principle portion of the bi-weekly payment 'as soon as it 's received ' and waiting until the end of the month, is unfair predatory deceiving and not understood by most consumers. The impact of this practice over the life of a 30 year mortgage is substantial and to the benefit of the lender not the consumer. While PennyMac may have disclosed this practice in fine print somewhere, most if not all consumers do not understand the negative impacts of this practice.
I dispute these Items in the month  XXXX  TransUnion did not compile with the State  Attorney General Settlement Agreement and 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], cl early and accurately disclose to the consumer : I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont res pond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of  investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required  by subsection ( a ) ( 1 ),  make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation
My mother died a couple years ago and we have been working with the mortgage company to get the names changed on the account to no avail. We have provided numerous qualified written requests via fax and overnight mail, some of which we received a response well past CFPB guidelines or not at all. We have provided all of the information requested again, as recent as XX/XX/2016 and the account still has not been changed. Additionally, now it appears they have put the insurance in jeopardy of being cancelled. We have made every payment on time and the account is escrowed.
My mom has passed away and I am just trying to make payments for the house that is now under my dad 's name while it is waiting for a closing date. I have made payments on the account previously but as soon as I told them we are closing in few months, and is XXXX month behind on payment, they are just hanging up on me making it impossible for me to make any sort of payment. I know that in state of Virginia, mortgage companies can foreclose the house in 90 days. We have significant equity in the house so I do not want to preassume anything but this situation makes it seem like Seterus Inc is trying to prevent us from making payment so they can foreclose our property. They are keep telling me the information is wrong even though I am providing them with same information I have been telling them for months. All of the sudden, the information is incorrect as soon as I told them we are under contract and need to make 1 month of payment so that our house is prevented from going under foreclosure. Also, I now have to pay a late charge because they were not allowing me to make any payments before the pay period I was responsible for late charge.
I have paid way over the amount of the loan, the company had started collection activity. Two weeks ago I spoke to them and stated I could not receive calls at my place of employment. I received a call today and a voicemail was left on a general mailbox at my place of employment with the name of the creditor requesting a call from me after being told not contact me at that number.
I was locked out of my Coinbase.com account on XX/XX/XXXX, with a very high dollar balance in the account due to losing my Authenticator. I called the company and was told incorrect information, I called again and was told to wait. My account was setup years ago, so there is a generic company name on the account. However the only way to unlock the account is to show an ID, obviously my companies name is not mine and does n't show on my ID. I have provided proof that I am who I say I am. They have told me to stop emailing them and every time I e-mail I am forced to wait longer. The account is still attached to my cell phone, and I know the password, I even am logging in from the same IP address. They told me they would assign this to a specialist two weeks ago, still nothing, and I can not inquire about the status because if so I am " penalized '' and sent to the back of the queue. The company has taken no actions to assist in resolving this issue.
My mortgage company was XXXX and I was approved for a trial modification in XXXX XXXX. According to the letter and coupons received, I made my payments of {$310.00} to them for the months of XXXX and XXXX XXXX to XXXX. I called into the company, gave them the information and permission to draft my bank account for the amount indicated. In late XXXX XXXX I was notified by NationStar Mortgage that as of XXXX XXXX, XXXX NationStar Mortgage would be my new servicer and collect my mortgage payments. I then made payments to NationStar Mortgage in the following manner ; XXXX XXXX payment was made by phone ; XXXX and XXXX XXXX was made by check which was mailed in. I sent XXXX XXXX payment but it was returned and I also received a letter notifying me of being behind in my payments. I do n't understand if I was in a trial modification how this is possible.
Debt validation request was sent on XX/XX/ to credit collection agency for a contract or signature and any other documentation which would validate that the alleged debt was mine. Received a letter onXX/XX/XXXXfrom agency with a screenshot of a billing system. No contract or signature or any other valid documentation under the FCRA was submitted.
Hello, I applied for an auto loan through XXXX XXXX XXXX XXXX on XX/XX/XXXX and they pull from Equifax and was denied because they were unable to pull my credit report from Equifax. I called Equifax yesterday XX/XX/XXXX and confirmed all of the information was correct on my credit report ( ie name, address, and social ), then I tried again and they were still unable to pull my report. Then I called Equifax again and they said that there was a fraud alert on my account that may be preventing the lender from pulling the report. I had that removed and tried again. They were still unable to pull my report. Then I called Equifax back and they asked me to send a picture of my ID and Social to verify all of the information which I did and then I called and they said there were no blocks, freezes, or fraud alerts and everything matched. I called again today and they XXXX XXXX  was still unable to pull my report. Equifax isn't being very helpful at all and costing me being able to get a better interest rate on an auto loan because there system is messed up.
In XX/XX/XXXX and XX/XX/2017 I pulled a copy of my credit report from XXXX and Transunion and immediately noticed 24 inquiries on my credit report. I have sent dispute letters and have called multiple times only to be told they were accurate with no proof as requested. I have not applied for any credit because I know my credit score is not feasible to many companies. There are several done from XX/XX/2017- XX/XX/2017 for an auto loan. The ONLY auto loan I have is from XXXX which I have always purchased through XXXX. I have tried reaching out to each of the creditors and have gotten nowhere. My rights as a consumer under the Fair Credit Reporting Act has been violated.