WillisBack/dataset-financial-user-claim huggingface dataset:
I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
USBank is increasing APR interest rates on customers with " Good Credit '' which I see is an unfair practice and then they will review after six months if I qualify for an APR reduction. As a good consumer, this looks like they are trying to increase their income by increasing my interest rate to 18.74 % which is unfair for someone with a credit score of XXXX. Based on the scoring models commonly used by financial institutions, my rating is considered " Good Credit ''. My payments were on time and always more than the minimum payment required.
Violation Federal Debt Collection Practices Act 809 ( b ) " ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. '' After checking my consumer credit reports, I noticed a company called ACS/XXXX was reporting on my credit report. On XX/XX/XXXX, I sent a debt validation letter to ACS/XXXX via certified mail ( receipt attached ). I disputed the entirety of their claims. 

On XX/XX/XXXX, I sent disputes to XXXX, XXXX, and XXXX certified mail ( receipts attached ). 

On XX/XX/XXXX, I received updated credit reports from XXXX and XXXX stating they verified the information and updated my credit reports. 

The information was not deleted. 


ACS/XXXX is in violation of the FDCPA 809 ( b ) because they continued with collection activities ( responding to and verifying credit reporting agencies ) while failing to send me verification of the debt. 

As of XX/XX/XXXX, I have yet to received any correspondence from ACS/XXXX. They failed to respond to my debt validation request but yet responded to the credit reporting agency, which is continued collection activity. 

This is a clear FDCPA 809 ( b ) violation. 

I respectfully ask that this tradeline and account be removed from all three of my consumer credit reports. 

Attached is : 1. Debt Validation letter to ACS/XXXX 2.  Certified Mail return receipt for ACS/XXXX 3.  Certified Mail return receipt for XXXX XXXX, XXXX, XXXX 4. Updated credit report from XXXX   indicating the ACS/XXXX verified 5.Updated credit report from XXXX indicating the ACS/XXXX   verified
It has been 10 years since I filed for Bankruptcy and the credit reporting company removed the item last month on my credit report then added it again this month to my credit report.
I took an interest deferred loan with Wells Fargo since my air conditioner died and I had to get a new XXXX, but did n't have enough money to pay for the installation. The company that installed it offered a home improvement credit card with Wells Fargo that was interest deferred for one year. If you do n't pay off the loan in the one year, all of the interest for the full amount of the loan is levied on the account, in my case, a sum of {$1700.00}. This was n't made clear to me before taking the loan. I understood that it was interest deferred for one year, but I did n't realize I 'd be penalized for the full amount of the loan, and not just the balance at the end of the interest deferred period. I have not been late with any payments and this adds to the debt remaining by 25 %. I feel it is deceptive.
I was writing to inform you that there are still items are my credit report that are not mine. Please help me to get these items removed from my credit report .I have already contacted my local police and the FTC . 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 is reporting 2 credit card accounts as " Card Over Limit ''. One of these is a XXXX XXXX and the other is a Citi Bank Card. I have contacted both XXXX and Citi Bank and both of these banks have told me that neither card is " Over Limit ''. Both cards are currently at their limit, but not " Over Limit '' and both banks have told me they are not reporting the cards as " Over Limit ''. My credit score has crashed from XXXX to XXXX in the last 30 days. I have contacted XXXX  and they are doing nothing to correct these errors.
During  XXXX   XXXX ,    2016   XXXX   XXXX  placed an account for which i never applied for. I called and asked for it to be removed. However  XXXX   XXXX  has only removed the inquiry from my  XXXX  report. It is still in both my  XXXX  and Equifax credit reports.   The inquiry : Name :  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry  Date :  XXXX   XXXX ,  2016  Phone: XXXX
I attempted to pay for goods at XXXX with a personal check due to their credit card terminals malfunctioning, When the check ( {$68.00} ) was ran through it was declined with a note that provided no specifics, but gave me a number to Certegy, I called and requested a copy of my profile. The profile also did not indicate any outstanding judgements against me, only mentioned my check writing profile, possible check number, or that it exceeded the store parameters. What the XXXX does that mean. This incident was not only embarrassing, but as a consumer I have a right to know exactly what about my information would seem risky enough to decline a check. I also would like to know how the FTC allows them to be in business and " collect '' consumer information to make a judgement against them, however the consumer can not get any clear answers.
I have been looking for a debt consolidation loan and have received at least 4 emails from agencies with various names stating that I'm pre-approved and telling me to sign in to verify. When I do this, I then get several emails from One Main Financial, XXXX XXXX, etc telling me I've been denied while also getting an alert from credit monitoring agency that I have a new hard inquiry on my credit. this has happened several times. 

I've emailed the company ( one main ) without response. I've also filed requestes with XXXX for investigation. I'm working hard to rebuild my credit so this makes it very hard.
I have a credit card account with Discover. My entire balance is fraud and they are not taking action and this is hence affecting my credit report.
An unknown person opened a landline account in XXXX with XXXX XXXX XXXX in 2003 under my maiden name. They in turn let the account go into collections. I never opened an account with XXXX XXXX XXXX. I was stationed in XXXX during this period. XXXX was happy to opened an account for this individual without verifying their identity. Now I have to pay for this collection and this damages my credit history. I called the collection company acting on their behalf, Convergent Outsourcing , Inc. about this matter. We told them over the phone that we did not open this account, we did not live in XXXX in 2003. I was in the military living in XXXX, XXXX. They told me that I still owed money because my maiden name was on the account.
I had/have a student loan with Navient as the holder. I filed for bankruptcy in 2009 and tried to get them to help me lower my monthly payments at that time and multiple times after that only to be told my only option was to go into forbearance. Well a loan that was around {$15000.00} has now progressed into a loan that is over {$28000.00}. I begged to get the monthly payment lowered until I could pay more but was told it was not possible. I was willling to make payments but they instead just put me off every time and I accrued a ton of interest that ruined me. This is unacceptable for any company to benefit from someone else 's downfall. Please help me fix or make them accountable for their actions.
In XXXX I did default on my XXXX XXXX and it was sent to collection in XXXX ... .which at that time the company under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX California did harass me over the phone and by text messages for about a year. I try several times to settle the matter with them by offering to make payments they refused stating it had to all at once. Since I did n't have that money and was failing financially it was not resolved. I did n't hear from this agency again until XXXX when my checking and saving accounts where completely emptied, that same day I received a Notice of XXXX that had transpired on XXXX XXXX, XXXX ... my moneys where removed on XXXX XXXX, XXXX. I also received a phone call from the case worker that same day, in which she laughed at me and stated " I finally got you. '' Since that day I assumed this debt was satisfied and I have never heard from them again. On Monday XXXX XXXX, XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX Washington for XXXX XXXX stating that I now owe them {$11000.00} and they are trying to collect now on a debt that is XXXX XXXX XXXX and I thought had be satisfied in XXXX. When I spoke to them on the phone they offered little to no information, other than the fact that there was no documentation in the file they had purchased from the original collection agency. My question to you is can they continue this action?
My fianc just opened up an checking account after he received money from a law suit. he wrote me a XXXX XXXX XXXX personal check to add to the money that we are saving to purchase a home. Unfortunately, he did n't sign it. It is a new account with starter checks and there was no place for him to sign ; ( he 's new to this and I do not rite checks ; only use debit cards ) so I signed the back and endorsed it in my account ( thinking nothing of it ). My account was terminated. I followed the directives given by chase representatives to try to resolve the matter ; I even brought my fianc with his checks, ID, and account info into my branch confirming that his checking account existed, and had the funds available at the time of request and still they chose to end the relationship as I was informed today. I could provide you with all necessary info regarding tis matter ; but I need time to get all supporting documents from my fianc. I was very eager to contact someone for help and get the process started to officially resolve the matter.
I have NO outstanding DEBT owed to anyone. This Business ; Portfolio Recovery XXXX XXXX, is a persistent bill collector " BOTHERS '' people without verifying who people are and without checking the " No Call List '' They have NO REASON to be calling me, my Credit is Excellent. Thank goodness only one " ring '' gets through, my phone carrier blocks automated phone calls ( robocalls ) I have talked to one of the Customer Service people last Wednesday, ( They do not CLEARLY identify themselves ) the person said she'd " have my number removed immediately ''. I've been disturbed twice since then, I was awoke this Morning ( XX/XX/2018 ) @ XXXX XXXX.
On XXXX/XXXX/2015 I received a robocall from XXXX stating that there was fraudulent activity on one of my accounts with a case number to reference. I returned the call to XXXX and spoke with someone named " XXXX '' who advised that the call was trying to serve notice to me regarding legal action on the phone and then started discussing some type of debt that she said was " owed ''. She said that I can be picked up by the sheriff for debt and be taken to jail. What she was talking about is a zombie debt that I paid many years ago. She said she was going to mail additional information to me as she could not provide anything while on the phone except for monetary information. When I asked the company she worked for, she said " Um, it 's Evans & Associates '' and the only information she would supply is that their " main branch is in New York and they have calling centers located elsewhere ''. That same afternoon I received a phone call from XXXX stating that it was " XXXX '' but a different voice from the previous call wanting to know about the so called payment plan that was set up. I advised I set up no payment plan, that debt was paid off, and hung up the phone. I have since received 2 calls daily ; one from the XXXX and then a little while later from the XXXX ; the only voicemail left is the robo call with fraudulent activity. On XXXX XXXX, 2015 I received a voicemail from " XXXX '' stating that since I had not responded to the information provided that they may move to lititgation in the amount of {$8000.00} plus dollars which would not include attorney fees, bail fees, or the amount I actually " owe ''. The message went on to state that they would be notifying my employer and references listed due to lack of response and would also be sending something to the local sheriff 's office to present me and they would be " serving my place of work and home address ''. I have received another robocall on XXXX XXXX, 2015 from XXXX with the same " fraudulent activity on one of accounts with case number ''. 

I have checked my credit reports and nothing is listed that she specified. I confirmed I have no outstanding debts.
EXPERIAN REFUSE TO UPDATE THE PAID ACCOUNT AS PAID EVEN WITH PROOF We have opened your Account Dispute The dispute for the account with XXXX/XXXX XXXX that starts with XXXX has been received and should be completed by XX/XX/XXXX. We will process the items that you questioned with the furnisher of the information or vendor that collected the information from a public record. Youll receive an alert when updates are available and when your full results of your dispute are ready to view. 

Alert Details Alert Date XX/XX/XXXX Source Experian Date Submitted XX/XX/XXXX Estimated Resolution Date XX/XX/XXXX Report Number XXXX Account Number XXXX Company XXXX/XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX/XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Installment Sales Contract Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage - Balance {$0.00} Balance Updated XX/XX/XXXX Original Balance $ XXXX Monthly Payment - Past Due Amount {$0.00} Highest Balance - Terms 6 Months Responsibility Individual Your Statement - Comments Transferred to another lender or claim purchased Contact Information XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX FP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FP XXXX On Time 120 120+ Days Late 30 30 Days Late FP Failed to Pay 60 60 Days Late N Negative 90 90 Days Late Data Unavailable
Type Energy Account Name Account XXXX Other Date XXXX XXXX, XXXX Status Closed No Missed Payments Balance {$0.00} Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX Account Type Utility Company Account Status Closed - Paid Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit -- Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$95.00} Payment Status Current Worst Payment Status Current Date of Last Payment XXXX XXXX, XXXX Amount Past Due $ 0 Times 30/60/90 Days Late XXXX Remarks Account closed by consumer Payment History XXXX OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
X/XX/17  : C apital One credit card email states someone tried to access accoun t. Spok  XXXX  with Capital One representative and online access wa s disabled. Was directed  to re-enroll the card and access   to credit card would be restored.
 X/XX/17  :   Have not received a statement and billing is due soon. Attempt to re-enroll in online services but only brings back error messages.  Two phone calls are placed ( one for 4 mins, and one for 84 mins ).   End result is there is an error on their end and it would tak e two weeks to fix.        X/XX/17  : No state ment received.  Again attempt to re-enroll online to access my account. Again same error message is received. ( 4 ) calls are made to Capital One to resolve this 5 mins, 6 mins, and 70 mins. Again no resolution, no stateme nts provided and the bill paid over they phone not knowing what I am paying for.       X/XX/17  : No  statement provide and bill was due. Again, attempt to log on only to be stoppe  d. Two phone calls are made 12 mins and 85 mins. No resolution had. No statement provided.
Today as it stands : There has been ( 3 ) billing cycles without a billing statement. While I can access their credit tracker I ca n't access my actual account. Because of this lack of information I have h  ad to report all transactions since   XX/XX/XXXX  as  fraud. I can not verify the balance and I do not have access to my account online to verify charges. I have been more than patient and done my do diligence trying to resolve this issue. My account has been in good standings ( no late payments, balances in full, no delinquencies ) through this painful process. This is beyond repair. It should be noted that o n  XX/XX/XXXX  I request a paper statement as those were not being provided as well. You would think once they shut yo ur online access down that they would provide those. That is unfortunately not the case. I was told it would be anoth er 1-3 months before that change would take effect. I can not wait 4-6 months total to see what is being ch arged to my account. This is completely unacceptable and I believe there are legal ramifications for my time and charges. Call records and case numbers are assigned to account. The company has plenty of documentation to confirm this case.       Sincerely,  XXXX   XXXX
XXXX XXXX credit card with XXXX XXXX. 

-the bank changed the monthly due date from the XXXX of the month to the XXXX of the month without informing me. 
-charged a late fee ; even though the payment was submitted on time using electronic funds transfer ( inter bank ) which my bank does within one day - I have electronic confirmation. 
-when called to get a refund of the late charge, only a partial refund was creditied. I was not informed of a partial refund and was told on the phone that I would receive a full refund of the late fee -daily interest was incurred on the remaining balance of the late fee - when payments were made, none of the funds were credited to the revolving balance. Only credited to non revolving balances. 
- when called to inquire about the charges, initially I was told that nothing could be done about it. I insisted to speak to a supervisor that after many inadequate explanations could not fully justify the charges to my account. 
-was told bill pay via electronic funds transfer ( inter bank ) take 5-7 days to post to account when doing inter institution bank transfers..ie- check not being mailed. = NOT true.
On or about XX/XX/XXXX my wife and I began the process of obtaining a mortgage for a four plex apartment building we planned to purchase. In the process of applying for the loan the loan officer filled out the application by doing an interview in person and by phone conversations with me. When we received the loan application to sign we discovered that some of the info was incorrect. Even after we tried to correct the info some remained incorrect. 
On XX/XX/XXXX or about a purchase agreement between buyers and sellers was submitted to US Bank and this started the application process. The purchase agreement contained all of the questions normally asked by a lender for obtaining a mortgage in Minnesota, however by XX/XX/XXXX US Bank requested that the seller complete a Seller 's Property Disclosure Statement. This was don and submitted to the bank by XX/XX/XXXX. 
Because of the repeated requests by US Bank for additional information that always seemed to be information we had already provided, I asked the loan officer and loan processor if they would tell me if they could n't or would n't write this loan. Their response was that they wanted to write the mortgage. 
Every time we provided documentation they requested, they would ask for something different. It was now XX/XX/XXXX. Because of tax liabilities my wife and I could no longer assume that we would be able to close the mortgage before the end of the year, and it became impossible to satisfy the requirements of US Bank. 
To protect ourselves we purchased the property on a contract for deed, and waited to hear from US Bank as to why it was so difficult to close this mortgage. 
I spoke with a number of leaders of the mortgage department, they were very polite and asked many questions. At the end of the conversations they promised to get back to us. 
On XX/XX/XXXX my spouse and I both received letters of denial from US Bank. These letters stated that there was not enough collateral for the loan. This is absolutely not the response we expected because that is a false and deceptive statement. We believe we were denied for some other reason, probably discriminatory. 
We have all the documentation for all contact we had with the bank including emails and texts. We believe that US Bank is being deceptive about the reasons for the denial and we believe they have broken the mortgage credit laws by this denial.
I sent an investigation request to Equifax and XXXX XXXX over two months ago.  They were supposed to respond with the results within 30 days, but they have not.