WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX our son was involved in a bad accident that let him XXXX. After years of not being able to work full time and issues with paying medical bills and other expenses we finally in XX/XX/XXXX had to declare bankruptcy. It was not what we wanted to do we worked for years to try and avoid it. We own our home and was worried about the Chapter XXXX bankruptcy hurting out lender. Our attorney advised us that we could re-affirm the mortgage no problem due to our situation. After debating a little while we then proceeded so we could start fresh again. We kept calling our attorney who proceeded to tell us that he still has not received the paperwork to re-affirm and that we should call them and let them know so we could get it taken care of. After speaking US Bank they would not give us any info on the re-affirmation due to the bankruptcy. We did understand where they were coming from and asked if our attorney could call and get the information on the paperwork. Neither the bank or our attorney would do anything to help. Our bankruptcy was then finalized in XX/XX/XXXX and we started calling the bank to start the re-affirmation proceed since we thought if might have to be done after the discharge. After going through several people at US Bank, we finally got to a supervisor that said she could help and that there should have been know issues with the re-affirmation and that it should have been taken care of. We asked why and she stated that they dropped the ball and the paperwork should have been sent out for the re-affirmation but, it was not. We then asked what we could do and she said at this point they would have to reopen the bankruptcy to get it done. She stated that it could take up to 6 weeks. She then said that she would call us back within XXXX hrs to let us know how they were going to proceed and help but, we never received a call back. We called back a few days later but, no returned calls. This was the beginning of XX/XX/XXXX and we still have not seen any results. We did send in a letter to US Bank asking that they start sending our statements to us again but, the statements all say the same info every month. We are still behind {$1200.00}. When I went through my bank statements and what has been paid to them in the last 5 months, I show that we are ahead on our payments by about {$100.00}. We are very frustrated and no one from US Bank seems to want to help. We are trying to get back on track and loosing out home is not an option since we not take care of a XXXX son XXXX. We need our home and stated to everyone that we wanted to keep it.
On XX/XX/2018 i filed a complaint with the CFPB XXXX XXXX ID XXXX XXXX about some fraudulent activity on my debit card. 

After disputing the transactions with my bank that they decided to only partially credit my account for these transactions. Even though I reported ALL of the transactions as fraudulent, and I also have new information. 

I believe that the person who stole my phone and my debit card, and who fraudulently authorized those transactions over the phone could have been an old babysitter. They knew my gate code ( which is also secretly the pin to my card ) and he had access to my personal belongings in the house while I was away.
My mortgage from XXXX XXXX was sold to XXXX XXXX XXXX, XXXX XXXX had erroneously sent negative reports to credit bureaus on many consumer accounts. I spoke with XXXX XXXX several times who only said they were aware and working on it. I also disputed the negative reporting with credit bureaus. Transunion deleted the entire account so now I show no past positive payment with any real estate and my score decreased dramatically, XXXX now shows account as closed and no real estate balance. XXXX XXXX has not been reporting my current timely payment either. XXXX XXXX error has decreased my credit score significantly and impacted my reputation, credit worthiness and financial abilities. My reports should reflect my past timely payments ( before XXXX XXXX ) and years as well as my current timely obligations. XXXX XXXX XXXX is in violation of the FCRA by not reporting fair and accurate information for their entire consumer base as well as improper deletion entirely of an account they acquired..
SEVEN/TEN YEAR RULE UNDER FCRA GUIDELINES - REMOVAL OF TRADE LINESThree new decisions - XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ; and XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( ordered depublished XXXX XXXX, XXXX ) - have changed, clarified, or confused ( depending on your point of view ) the legal landscape in California as to the legal obligations of so-called " furnishers '' who furnish credit-related information concerning consumers to credit reporting agencies. These cases address the obligations of furnishers under federal and state law to supply accurate information, as well as a furnisher 's obligation to " reinvestigate '' a consumer 's dispute. These cases also indicate that, for the time being at least, a heretofore unrecognized private right of action exists under Civil Code 1785.25 ( g ) and 1785.31 for failure to accurately report credit information in violation of 1785.25 ( a ). An understanding of the relevant history is important before one can properly evaluate the current state of the law and the XXXX decisions. 
The Original FCRA Legislation Applies To Credit Reporting Agencies OnlyThe Fair Credit Reporting Act ( FCRA ), found at 15 U.S.C. 1681, et seq., was originally enacted in XXXX. The express purpose of the FCRA was to require that consumer reporting agencies adopt and implement " reasonable procedures '' for ensuring that credit information about a consumer was collected, maintained, and dispensed " in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information ... '' FCRA, 15 U.S.C. 1681 ( b ) ; XXXX ( XXXX ) XXXX XXXX XXXX, XXXX S.Ct. XXXX, XXXX. The Congressional findings noted that " [ t ] here is a need to insure that consumer reporting agencies exercise their grave responsibilities with of fairness, impartiality, and respect for the consumer 's right to privacy. '' FCRA, 15 U.S.C. 1681 ( a ) ( 4 ). However, the credit bureaus do not follow through with any methodology a system that automatically removes an antiquated credit trade line, which leave creditors in control to remove a negative trade line at a later date by simply re-aging the trade line payment history. 
Notice that a positive trade line can be maintained for a ten year timeline from the credit procurement after the account has been closed out. The ten year timeline carries from the date the credit trade line was first reported to a credit reporting agency, or from the date of procurement of the debt. 
I demand the above referenced credit trade line removal based upon the passing of the seven/ten year timeline. And I maintain that there is no further relevancy to the debt being posted under FCRA guidelines. The above-referenced state cases show that the accuracy of credit reporting carries into state court cases as well, whereas a creditor can be brought up on serious civil charges outside of federally protected jurisdictions under FCRA.
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Clarity services 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I am writing to complain about an insane marketing practice. I received a check in the mail from " Mariner 's Finance. '' It was a check for {$3500.00} made out to me that I could cash. It had a finance charge of {$1700.00} and I think 26 % interest. I was really upset that they could advertise like that, it seems incredibly predatory. It is an easy way for someone in a pinch to get money, but the terms are unbelievably horrendous. I do n't know whether this is legal but I hope it is n't and Mariner Bank is stopped. If it is legal I hope my outrage keeps others from falling for this predatory tactic.
STELLAR RECOVERY INC is trying to recollect a debt that has already been paid. STELLAR RECOVERY INC has been notified the debt has been paid in full but continues to try to collect and report it on my credit report. The debt was paid to XXXX and removed from my credit report XXXX XXXX 2015.
my father has a loan with XXXX XXXX in XXXX okla. he listed me as a reference.. my father has already started the process of bankruptcy and has already made pymnt to attorney for retainer. this company continues to call and harass him and now calls me once a week even though contact has already been made with me several times.. i told the store manager today to stop calling me and she was rude to me telling me he put me as a reference and she has the right to call me when i told her to stop calling me and that she knows he is filing bankruptcy and to continue to call me is harassment she told me that it was not harassment to call me every 10 days i then told her not to call me again and hung up on her.. this company is known for harassing customers and their family for payment.
Has taken months of repeated phone calls to get on a payment plan we were told was available to us, each time we call we get a different cust sv rep and have to reexplain the situation ( was told they could not let me speak to same rep we spoke to previously ), incorrect information told to us about when a payment was due while they worked on a mistake they made in processing for our loan payment.
I attempted to purchase a new XXXX from XXXX XXXX XXXX, XXXX XXXX, CA. The loan was closed and the vehicle was delivered. Subsequently, I received paper work from Ally Bank saying the loan was denied, however, they sent an invoice for the first payment. I met with XXXX XXXX, finance manager, to ask why I have a loan that was denied. He said he made a call and got it approved. Told him had I been notified that the loan was denied I would have not completed the transaction. His comment was you wanted a car and I got it for you. Told him I would have walked. He did not want to discuss it any further and said the conversation is over. Told him I filed a complaint with XXXX and he will talk to them. He asked me to leave. The problem is I am XXXX years of age. Had he told me that I was not qualified I would have walked. In an effort to refinance the auto loan I contacted 12 lenders. I have been turned down by all. I submit he took advantage of a senior citizen to generate a commission for him and a sale for the company. Please note I have 2 separate letters from XXXX XXXX   denying the loan and one invoice. It is my opinion the loan is fraudulent and should not have been made.
Mortgage loan for Flagstar Bank still reflecting on my credit report and was closed /transferred in XX/XX/2004. Past time for loan to remain on my credit report.
I do not know what this account is this account does not belong to me it was opened up as a result of my identity being stolen .. and needs to be removed
I called Transunion to inquire about an address I did not recognize on a credit report they mailed to my home. They asked me for my social security number? The report came with a file number and I gave them that. I was then repeatedly asked for my social security number which I did NOT feel safe/secure giving to someone not in the United States. I tried to explain that since this document was mailed to my home and it had a " file number '' which should be unique to MY FILE that I should not have to supply my social security number especially to someone who demanded that I give it to them. Why do you still allow this or any company to ask for social security numbers to verify IDENTITY?
The report for my background check is missing my middle name as well as my social security number is wrong the last four digits aren't my social security numbers
The XXXX unpaid medical bills on my report for a total of {$800.00} were paid back in XXXX 2015. I need this removed from my file please.
On XX/XX/2018, I received a phone call from NCS about a debt that is owed for a car accident. The representative on the phone stated that they are going to file paper work to sue me and have my driving privileges revoked for failure to pay the balance. I l have asked them for the final bill along with the details of the bill. They have told me they dont have a final bill yet and they want me to set up a payment agreement without knowing what the balance is and why I am receiving the charges.
between XX/XX/XXXX and XX/XX/XXXX transunion removed positive information from my credit report with out my consent ... .its good positive credit that i built ..i paid it it the account showed as a positive on my credit..the creditor is XXXX XXXX XXXX ... when they removed that from my credit report without my permission i lost 25 point from my credit score ... i dont understand why transunion would do that they do not have the right to remove accounts from my report without consulting me first ... .i am very upset about this ... it took me a long time to get my credit where it is right now ... .my resolution is that transunion needs to add my positive credit that i built back onto my credit report ... .my email address is ... .XXXX ... .cell # XXXX
My husband died on XX/XX/XXXX. I have been disputing a " joint '' status on a credit card for many years. I called the card company ( AT & T Universal Master Card through CitiBank ) and advised them of his death and that I demanded to see a credit application with my signature. I have the original paperwork and it 's in my husband 's name only. He has no estate. They have not sent the documentation which they promised to do in 7-10 days ( it 's been over that time ), instead, they sent a new statement in my name only. I believe that CitiBank is in violation of State and Federal law. Citi/A T & T have not provided any application signed by me. This card was opened in the XXXX or early XXXX by my husband only.
I am a long standing Wells Fargo banking customer using checking, credit card, mobile and online sevices. Today I attempted to transfer funds from one checking account to another checking account. Instead of a checking to checking transfer, a checking to credit card payment occurred. After calling customer service I was informed this transaction could not be reversed/cancelled even though it was still in a pending status at the time. I was informed it would take 1 to 5 days repeatedly to reverse transfer which further ascerbated the conversation and my frustration level. Every explanation from me indicating that the credit card had a XXXX balance for 9 months and it was a Wells Fargo credit card brought the same response 1 to 5 days, I thought I was talking to a robot with an automated response.
On  XXXX   XXXX ,    2017, I completed a balance transfer using a promotional check sent to me via mail by Discover. I  receive them all the time but never took advantage of one until now. I transferred my balance and made my first payment. After realizing that the payment was higher than it should have been I contacte d Discover. O n  XXXX   XXXX ,  2017 , I spoke with  XXXX  in the Ohio location. After placing me on hold for several minutes she found that the reason I was charged additional was because the check processed was allegedly for a regu lar cash advance only a nd not the promotional offer. She said that they place  two  types of checks in the envelope-both  cash advance and bala nce transfer. I explained to her that this is misleading and confusing to a consumer for them to place both types of offers into the checks. I am sure that several others have made the alleged mistake that I have made before if they were not careful. I asked  XXXX  what could be done to resolve and she said that there is nothing that can be done. After almost 8 years with this company, I will be transferring my balance to a legitimate, ethical company ( i.e. my personal bank or  XXXX   XXXX  ) and closing out this car d. Discover 's practices a re deceptive and I feel so disgusted that they would take advantage of me in this way.
Submitted online dispute process withe experian and equifax with supporting documentation ( ID Theft report, police report number ).   XXXX   came back with a response stating they had deleted those items, experian came back as debts verified.
After many attempts to coordinate billing efforts with XXXX XXXX Hospital I  have called in to ask repeatedly, multiple times per year - for MANY YEARS - to assure that I have paid ALL of my bills, as XXXX/XXXX Hospital ( they used to be separate but now the have merged ) - this entity has a lengthy history of NOT notifying Patients/Clients/Customers of their bills, providing incomplete statements, providing services from unauthorized individuals ( read : blacklisted 'doctors ' who should be barred ), and fragmenting accounts, making it virtually impossible for Patients/Clients/Customers to pay bills in a sincere, deterministic, and reliable manner. This is one of MANY instances where I received a past due, or in this specific case a COLLECTIONS letter on an account after repeatedly calling in and doing a full accounting, requesting clarity of accounts and any/all bills due for my wife, my children, and myself. 

I am so sick of this - its just plain wrong. This has been going on for years!!! I have near perfect credit and that takes hard work and mindful presence. The processes of these companies violate this on that level ... 

Specifically, for THIS complaint I was NEVER notified of ANY due/bill/charge for the service reflected in the attachment, [ XXXX XXXX HOSPITAL account number XXXX dated activity XX/XX/2017 balance {$10.00} ] - This was apparently provided for my daughter in XX/XX/2017, which also seem to be a very short period of time to go into a collections process ... I would have thought maybe 90 days after a KNOWN bill, or 6 months after something like this - but it has not even been that long, its just more random awkward incorrect unprofessionalism. 

I am confident that someone from the CFPB can look into this and apply a corrective action to prevent, or at least minimize this from happening in the future. 

In addition I will be opening another complaint specifically again XXXX   hospital for their inconsistent charges, whereas they provide services to Patients/Clients/Customers at one of their own 'owned/affiliated ' facilities for one price, and the same services at another, often for 3 to 4 times the cost - for the exact same service. 

Thank You.
My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XX/XX/XXXX Address is XXXX XXXX XXXX XXXX tx XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine.
Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XX/XX/XXXX/XX/XX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.
This company ( AD Astra Recovery Serv ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$6300.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
We stopped making mortgage payments starting in XX/XX/XXXX after my wife lost her job. Due to income setback we requested a loan re-modification with OCWEN Mortgage. We started working with a real estate agent who assisted with the paperwork. Once OCWEN was satisfied with the documents they kept requesting, they set trial payments of {$1100.00} for 3 months then the payments would drop to {$1000.00} till XXXX. OCWEN called stating the 3.75 % interest rate will be changed to 3.875 % and the payments will now be {$1200.00} and they have no knowledge of the {$1000.00}. When asked who required the change the rep stated it was the V.A. I checked with the V.A. and they stated they have nothing to do with this and that they have not had a report from OCWEN since they took over the loan from XXXX XX/XX/XXXX. We do n't believe OCWEN should be able to change things after documents were signed and notorized.
In XX/XX/XXXX, I requested that my loans be placed in forbearance through XX/XX/XXXX because I would be away for military training ( XX/XX/XXXX-XX/XX/XXXX ), and also that the military 's student loan repayment program will soon pay their share of my student loans. I was told that they would be ; later in XX/XX/XXXX I discovered that they were not and this adversely affected my credit score. I called the company to complain and a supervisor said that he would  check the tapes to verify my claim that a representative from the company assured me that the loans would be placed in forbearance during this time. I did not hear back from the supervisor, but I did receive a letter from the company stating that my loans were approved for forbearance from XX/XX/XXXX to XX/XX/XXXX. This letter is dated XX/XX/XXXX. Although my  forbearance was approved, FedLoan refuses to correct this on my credit report because the letter is dated for XX/XX/XXXX. I have consistently paid my account with them ( and all of my creditors ) on time, except for the two months that I thought the loans were in forbearance. I submitted a letter of good will pleading my case, and the company told me that they do not grant good will exceptions in any case after I called them twice to check on the status of my request. I have also disputed this issue numerous times, and each of my disputes were rejected.
I was specific that I would pay the agreed amount if they would give me a letter once paid stating that the debt was paid as agreed. I required them to send me a letter prior to payment addressing this. I received the letter prior to payment - stating that once my payment cleared the account would be paid " Less then owed '' ( but is was the amount that we settled on ). I paid w my bank card the funds were taken out of my account over {$600.00} I called everyday and was told I had to wait for the funds to clear -even though checking my bank the funds did clear. After 2 days the funds had cleared they sent me a letter stating the same thing as the pre payment letter - 'WHEN YOUR FUNDS CLEAR ... I explained to them this is not prof that the account was paid and then it says less than owed, and I tried to address them that they told me it was a settlement amount and should be a settled as agreed. I am trying to re-coop the monies from my bank and will pay the co directly ( which will be additional XXXX dollars ) but at least it will be paid.