WillisBack/dataset-financial-user-claim huggingface dataset:
I disputed XXXX XXXX XXXX account ref # XXXX last XX/XX/2018. More than 30 days have passed and still the account is still on my credit report and found several other violations of both FDCPA and FCRA. I have attached a separate document showing what I have found on my credit report, proves that no proper investigation was conducted Violations such as reporting inaccurate/incorrect dates, misleading/incorrect information, reaging etc. They were given more than 30 days to fix the issue and nothing have been done. This is my last resort before I get a legal counsel involve.
I disputed a judgement which is not mine with this company # XXXX and they have not responded. I need confirmation they removed this inaccurate listing. Can you please help me find out?
I received an alert through my credit monitoring agency stating that Receivables Performance Management placed a debt from XXXX on my credit report. I contacted the agency to gather more information. I asked company 2 weeks ago to provide me with debt validation and copy of signed contract. I have not received it. The debt was owened by amsher compassionate collections previously. The debt was deleted by amsher due to them not being able to verify the debt. The original debt was from 2016 but it was listed as a new debt on my credit report by receivables performance management
I used the Chase Bank Mobile app ( Quick Pay ) on XXXX/XXXX/XXXX to send funds ( {$100.00} ) to a friend. using her valid Phone No, name and email which had already been setup on my account before. so i then called her after sometime to confirm if she received the funds but she told me she has not. this came as a surprise to me as this system works instantly especially if its an inter-bank transfer ( within same bank ). i called her again after some time and she said she has n't received the funds yet. so we cross checked her details together and found out that the email i used was n't her default email on her account no more. she had changed this email. however, still owns this email and also this email is still listed on her account but not just as a default email. i then thought this funds will be reversed to my account but it was n't. i called the bank on different occasion they initially told me it went to someone else account and they will try and reverse it has this person had already withdraw-ed the funds and that i should be calling them to check. i kept on calling and they kept giving me different explanations. my issue with them is that how could this fund go to a different account as that account can not have the same email with my friend. they Bank told me its possible that the funds got credited to an account using same email with my friend i argued with them that this is can not be possible as no one can share same email address within the same domain. i just got off the phone with them now where they told me they can not reverse this funds or contact this person which whom the funds went to his/her account. i 've explained to them that their system is flawed. but they told me that they are not liable to and can not refund they funds or help me in no way. This is not how to treat a customer. these funds should n't have been credited to a different account in no way and under no circumstance. please help. thanks and regards. XXXX XXXX
No one is verifying the payments being sent to XXXX, they are only content on verifying the trade line not accuracy. On XX/XX/2017 I submitted a partial payment in hopes it would report to the credit bureau, it did not. According to federal law it should be updated, or otherwise it is in error as of today, and as such should be removed altogether for being wrong. I have enclosed a screen shot of a payment clearing XXXX to XXXX on XX/XX/2017 towards XXXX with proper payee address and contact info. My credit report DOES REFLECT THIS PAYMENT. Therefore it is an erroneous report.
Capital One Auto agreed to settle a auto loan with me and agreed to have the account removed in settlement and that I would have any late payments reported as long as I fulfilled the agreement which I did but they did n't honor the agreement fully and reported late payments on my credit report with XXXX & XXXX but deleted the account from my XXXX XXXX.
XX/XX/17 approx XXXX Credit Management Services located in Nebraska called my employer, masking their number and asked to speak with me regarding a {$250.00} medical bill. I have spoke with them on at least three other occasions, and asked that they not call me at work. I once again told them not to contact me through this number.
My mortgage started with XXXX XXXX and was sold. They had just completed a loan modification to place my taxes and hazard insurance into to escrow and to remove my ex-wife from the mortgage. The company that took the mortgage over was XXXX XXXX XXXX. They increased my payment dramatically and would not acknowledge the modification I had with XXXX. Within 90 days, they sold the mortgage to Rushmore Loan Management services who also would not acknowledge the loan agreement I had with XXXX. 
I have spent almost two years trying to get Rushmore to honor the loan agreement I had with XXXX when the loan was purchased. They have not only refused to honor even though I have provided them with the modification paperwork, but have not cashed any checks I have sent to them, refused to tell me who owns the note, and have destroyed my credit so that I can not get another loan or mortgage. My credit was pristine until this all began. Rushmore continues to pile up interest and fees but will not acknowledge their error or give me one person to deal with. I have corresponded via emails, writing and numerous phone calls and have been either ignored, or blatantly lied to. One representative told me that he did n't know why I have n't sued them because this is standard procedure for them to exasperate the client until either they pay or get foreclosed. 
Please help!
I have a mortgage with Flagstar bank since XX/XX/XXXX it is very high interest@11.375 % I have tried at least 5 times over the years to refinance for better rate only to be rejected or completely ignored, I have got nothing but the old Run around, we will call you back or put on hold for no one to ever pick back up. I have been working with XXXX as it turns out he is getting the same treatment. I have talked with XXXX for the elderly several times she has been great, shes answered and returned calls. I am NOT in foreclosure but during the new year holidays a company named XXXX did an illegal lock out!!! I have been trying to sell the house because Flagstar is impossible to work with, they have put insurance on my mortgage loan even thou Iv had insurance without laps.My insurance and taxes have allways been included with my payment thru escrow, when I listed my house XX/XX/XXXX my realtor discovered that XX/XX/XXXX taxes were not paid to XXXX co. I have been XXXX, Bullied and Abused by Flagstar Bank for 16 years, I cant take no more! I Pray for Help!!!
Navient refused to work with me on a repayment plan. I called them XXXX of XXXX? or XXXX, I ca n't remember but after they refused my payments and to work with me, they did a forbearance and said I have to start paying back XXXX XXXX. I have a CHILD! mortgage, power, water, gas, phone, car, car insurance, credit cards etc. I ca n't believe Navient does n't take into consideration all these bills I have ( i 'm sure i 'm not alone in this either ) but why dont they take mortgage into a consideration? I have a child who HAS to go to after school so I can work, do they not take that into consideration either? I ca n't stop all my bills just so they can get theirs. I have to have means of living and it XXXX me off Navient did n't work with me at the time I asked so I had to ask for MORE forbearance before I have to start paying back my student loans. I even offered to pay XXXX or XXXX a month and they refused it. I 'm wanting and offering to pay back as much as I could and it blows my mind, they say, " no ''. Who does that? I would 've NEVER gone to college if I knew it was going to be this much of a pain to pay back loans and even them wanting SO much a month. It 's crazy. I have a life to live and it 's not to put all my money towards student loans. Things change, life changes and they should work with the person to be able to afford within their means. I want Navient to accept my monthly payments as well as get rid of the interest that have piled onto my loan since they did n't want to accept my offer. As a matter of fact, when I had to start paying back my loans ( ca n't remember the year ), they denied it at that time too. So for however long i 've been holding off on my loans, I want all that interest taken off because I tried to pay it back more than once and they refused.
There were two glitches in the system of TransUnion. These glitches were in fault a problem of TransUnion and not mine and resulted in the deletion of All inquiries on my report. Later TransUnion added them back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion twice ( first rep name was XXXX and second rep name was XXXX ) in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries add hardship to me financially and my rights have been violated by TransUnion. I ask that you please help me make TransUnion stop victimizing me.
I had a private loan that was consolidated in XX/XX/XXXX to Loan Science from XXXX XXXX. My cosigner and fianc died XX/XX/XXXX, the company worked with me on lower payment plan for the last 8 years. I was not aware that they would suddenly decide to stop offering a lower payment plan, or that once I had to pay the full payment, which is difficult as I care for my XXXX mom and still recovering from the sudden loss of my fianc, would be XXXX % of the payment would be going to interest, and that the interest rate would cripple me for the next 25 years. Private student loans are predator, and I feel as if I have been prayed on. With the current payment, I am barely able to provide for my family.
Dear CFPB, Once again USAA/MasterCard has brought unwanted problems into my life by providing, without my permission or authorization, updated credit card information to vendors for credit/debit cards which I and/or USAA have CANCELLED. 
The latest debacle is playing out now. I 'm on a XXXX to XXXX, Texas. I arrived yesterday and rented a car from XXXX at the airport in XXXX, TX. Today, I checked my USAA checking account and discovered XXXX ( XXXX ) unauthorized charges from XXXX for {$310.00}, a total of {$630.00} drained from my checking account. " How could this be? '' I 'm on official travel and made the reservation through XXXX who should have charged my government VISA card for the car rental. What happened? Well what happened is this. I 'm a XXXX and XXXX ( XXXX ), yes XXXX debit cards ago, I entered my personal USAA debit card into my XXXX profile. I never, ever provided my personal debit card to XXXX for this transaction because it was a business trip. However XXXX " pulled '' my new credit card information and charged my debit card, not once, but mistakenly XXXX ( You can get the details from XXXX XXXX ( XXXX ) XXXX, billing supervisor, XXXX XXXX XXXX, XXXX, OK ). Bad on XXXX XXXX for charging the wrong card and charging it XXXX and they are correcting the problem. 
But the bottom line is this ; none of these problems would occur if USAA would stop providing canceled credit/debit card information to vendors without my permission. 
Regards, XXXX XXXX ( XXXX ) XXXX
I have judgements on my equifax credit report that should never have been reported. These items were paid in full. I am still a resident at the apartment complex. I would to have these items removed.
I disputed an account on my credit report with XXXX, because they have not been able to provide me with specific account information and violated the XXXX code by ignoring requests for validation they agreed to remove the account from my credit report. They stated that they have submitted request to remove the account and in addition I have also disputed the account with the XXXX credit bureaus. I had also provided Experian and XXXX with a copy of the letter stating they would remove the account from my credit report, yet they XXXX verified the information as correct. They did not even review the information that i added with my dispute. In additionXXXX has not followed through with their remedy. i have attached a copy of the letter.
In XXXX of 2015, Discover Bank 's customer service person advised me by phone that, following 3 different months of writing more than XXXX checks/month on my money market checking account, I had reached the limit, and that a XXXX month would cause this account to be closed. This message was confirmed in a D. B. letter dated XXXX, which I received in early XXXX. I then wrote XXXX checks, including XXXX to the IRS for XXXX XXXX estimated tax payment due XXXX. 

However, on XXXX, I learned that this account had been closed XXXX when D.B. sent me a check for $ XXXX. The consequences of D.B. 's actions were : fees for returned checks from the closed account ( including XXXX for {$270.00} by the IRS ) ; stress caused by D.B. 's NOT advising me that the account was being closed on XXXX ; desperate attempts were required to provide funds for other checks, even though the money market account funds were sufficient ; even though I was told that a XXXX month of XXXX checks would trigger a closing, I lost control of my personal finances unnecessarily. 

The injustice of this is obvious to me, especially because I also have a regular checking account with D.B., into which D.B. could have transferred the $ $ before closing the money market account. This I could have arranged, if I had known before the closing that it would happen. The financial penalties ( exceeding {$300.00} ), plus the aggravation when several checks were returned for insufficient funds that were totally unnecessary should be borne by D.B. I have kept records of the transactions named above until this matter is resolved to my satisfaction.
I have been asking for years for help with my loans as my income changed when I divorced and trying to raise XXXX kids. I was told there was not much they could do and that there was not programs to help lower my payments so of course I used up my forbearances and deferments which of course gives them ways to capitalize interest on me. My loans total has easily doubled or tripled and owe as much as a house for my Associates and Bachelors. The call centers would not release or offer any low income programs, I even tried got help from XXXX XXXX and they got me into a income based program charging me money to help me and then disappeared which caused me to be late to re-certify which caused me to loose time on the pslf due to lapse in my certification with income based programs. I called the Dept. of Ed and that is when I learned that those programs have always been available and other ones as well but none were ever offered to me in the last 10 years. I look at my total due that I owe and it is very depressing to know I owe so much money and was swindled into thinking there was not programs or help out there and I owe fees and high balances due to their scams to make money off a person trying to better themselves. I started PSLF program back in XXXX and I was told after 5 years I would be able to have some of them removed and forgiven all of them would be forgiven. I received a letter that I am not eligible till XXXX. More scams I guess I have no belief that they are trying to help people at all just to scam people, and fool people into the programs and then throw loops to make it never happen.
Hello, I am sorry I had to come to this point, but I have been disputing inquiries with Equifax for some time now from companies that I never authorized to use my information. What is killing me now is their website is telling me that my information was compromised in their data breach and I 'm devastated because I have been telling them forever that there is a bunch of inquiries that I did not authorize anyone to do. A few months ago I had got a email notification from a monitoring service that I use that someone has logged in my account which was not myself or my wife because we were together. I hurried up and change the passwords to all of our accounts immediately. It 's so scary not knowing who has my info and is using my info to try to get themselves a car and cell phones and I guess what seems to be a new mortgage. 
*XXXX XXXX Inquiry from XX/XX/XXXX *XXXX Inquiry from XX/XX/XXXX *XXXX XXXX Inquiry from XX/XX/XXXX *XXXX Inquiry from XX/XX/XXXX *XXXX XXXX Inquiry from XX/XX/XXXX *XXXX XXXX Inquiry from XX/XX/XXXX *XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX *XXXX XXXX Inquiry from XX/XX/XXXX *XXXX XXXX XXXX XXXX XXXX
Inquiry from XX/XX/XXXX XXXX- Removed all but one of the inquiries that I did not authorize.
*XXXX XXXX Inquiry from XX/XX/XXXX
Per a credit report pulled in XXXX and disputed several accounts listed with all XXXX credit agencies, as the accounts were not even mine. Discover Card Account XXXX, XXXX Account XXXX and XXXX XXXX XXXX Account XXXX. All XXXX of these accounts belonged to a different XXXX XXXX. Additionally, there was no social security number on file for XXXX of them, and there was also an invalid address attached to my credit reports for the state of Virginia and I have never lived outside of the state of Iowa in the XXXX years of my existence. When calling Discover the representative told me in XXXX that name on file was for a XXXX XXXX XXXX, that there was NO social security number captured from that person for the account AND when reporting the credit situation, they did n't know where to attach it so they put it on mine. These XXXX companies have attached information for someone named XXXX XXXX to my account since XXXX, which has impeded my ability to secure fair interest rates or even securing loans to purchase vehicles or a home. Lastly all XXXX of these companies informed me when calling in XXXX that my social security number was not even in their system, and upon formally disputing these items with the XXXX credit reporting agencies, it took over XXXX years and more than XXXX attempt to get these items removed from my credit report. In XXXX, I was refused a car loan, in XXXX I secured a car loan for a rate of 10.75 % interest, in XXXX and XXXX I was refused home loans when attempting to purchase and as a result was required to relocate myself and my children XXXX times in XXXX months shortly after their father passed away.
I am missing credit card statements for : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.I have called USAA several times asking for those statements. Now I am being charged late fees and high interest charges. During one of my calls to USAA, I was told that someone at USAA credit cards put me on online statements. I did not ask for this. I NEVER do any banking online. Due to the fault of USAA, these late fees and finance charges have accumulated. My XX/XX/XXXX statement, which I did receive, states that my minimum statement payment due is {$580.00}. I find this to be unfair due to USAA 's fault. I have called at least 5 times asking for these statements. I'm still waiting.
I had a mortgage VA Loan through Freedom Mortgage and last XXXX, XXXX, I sold the house and there was an escrow balance of {$2200.00} and Freedom mortgage indicated to me that they had cut and sent a check for this amount after receiving the payoff on the loan. I have not received any check since I sold my house in WA state. I called on last month on or about XX/XX/XXXX and they told me a check had been issued and sent. I did not receive any check. Last Thursday, XX/XX/XXXX and Friday, XX/XX/XXXX to find out the status of the check. Freedom mortgage indicated they will re-issue the check by the end of this month and it will be payable to me on the first week of XXXX, XXXX. I don't believe them anymore, and they need to send me the escrow money it is not theirs. I need your help! this was a VA loan and it needs to be resolved ASAP.
XXXX XXXX XXXX, XXXX XXXX, Manager XXXX The basis for my dispute is was required to notify me prior to XX/XX/XXXX, or no later than 30 days after XXXX XXXX XXXX, XXXX XXXX, Managerfailed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days afterXX/XX/XXXX, furnishing the negative derogatoryinformation to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC? 9.501 that all notices were timely and properly given by dated certified mail receipt. 
They were not met. I asked for documentation & received no response. 
Also, XXXX XXXX XXXX, XXXX XXXX, Manager '' 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 TX allows treble damages. 
Under? 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX, XXXX XXXX, Manager failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve XXXX XXXX XXXX, XXXX XXXX, Manager is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Made a payment to discover student loans on XX/XX/XXXX. I paid {$240.00}. I wanted the {$140.00} to pay for my minimum monthly payment the remainder to go towards principal. 

Today, XX/XX/XXXX, I see a payment posted of {$94.00} and nothing about the minimum payment being posted. My minimum balance says {$50.00} is due. How is the there still a minimum payment due when I paid the minimum amount and extra towards principal? I called the rep on XX/XX/XXXX and they do n't know what 'll happen to my extra money. They said they do n't know where it went. They said it 'll take 7-10 business days to resolve. I find this unacceptable since I made the minimum payment for XX/XX/XXXX way ahead before the due date and now, I risk possible penalty because of their error? 

Can you please file a complaint with discover about once again incorrectly applying payments?
I sent a certified letter to all three credit bureaus requesting them to investigate this closed account which has been closed since XX/XX/17. I asked for them to delete this closed account I also called them and it still is a hindrance on my credit report.This closed account has decreased my credit score, I'm having hardship in my life this closed account has caused me to be denied credit for housing etc. I sent the certified letters over 90 days ago and still nothing from them this violated the FCRA laws that makes the credit bureaus responsible to reply to consumers in a timely manner.
There is a credit inquiry within my report for XXXX. I have never applied for credit with this lendor. I ask that the issue is investigated and the item removed from file.