WillisBack/dataset-financial-user-claim huggingface dataset:
To Whom this May Concern :   XXXX     I sent out letters to all three bureaus pertaining to a bankruptcy on my report. I asked the bureaus to send me documentation with my signatures and how they verified this information. The bureaus stated that the courts verified this information to be true and accurate. I got a letter from the court stating that they do not verify nor submit any information to the credit bureaus it goes through 3rd party companies such as  XXXX   XXXX  which is against  Federal Law   X/XX/17    the bankruptcy was removed from my  XXXX  report then later it was placed back on. I need to speak with someone about having this information removed from my  Public Records
I am going thru a child custody dispute in the court system in XXXX XXXX MD. My sons Mother is a XXXX  XXXX at XXXX XXXX XXXX and She ran my credit through her Job without my permission Her name is XXXX XXXX. This happened on XXXX XXXX 2018. I found out thru my XXXX XXXX monitoring
I disputed a dismissed Chapter XXXX Bankruptcy ref # XXXX with Transunion and XXXX credit reporting and they say they have verified and it remains on my credit report and I know they have not verified the dismissed bankruptcy nor will they provided me with the verification of where and how the information was verified and I would like for it to be removed off my credit reports. According to the the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief '' .Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. In Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report
A credit card was fraudulently opened in my name w ith USAA. A USAA rep resentative stated this card would be closed due to fraud. The card is still open and affecting my credit.
I was not notified by the company when my payment went from {$13.00} a month to {$170.00}. They did not inform me to why it skyrocketed $ XXXX+ a month. There is no way I can afford that and they never attempted to notify me to work something out. The company Navient has and will continue to take advantage of poor Americans. I do now understand how they can do this to someone without a letter or a phone call. This and other reasons are why they are facing multiple lawsuits. I am a hard-working American citizen and I do not deserve to be treated like this. Because I was not correctly notified about the extreme jump in payment I am now being told that I owe over {$340.00} when I had automatic payment set up for the {$20.00} a month that would cover the {$13.00} plus help pay down some interest. Thank XXXX they did not automatically take out the new and uninformed {$170.00} because that would have nearly crippled me financially as I am forced to live paycheck to paycheck. Please help me and let the lawsuits give Navient a taste of their own medicine.
I have an installment loan through a local office. When I initially applied for the loan I informed the office that my wife could not be contacted regarding the account due to a strained relationship. However, I was forced to give the office her contact information to complete the application but was assured that she would never be contacted. Despite my conversation regarding her not being contacted as soon as I got a couple weeks behind on my payment they called her. This led to huge distress in my already strained marriage and nearly led to separation at least. I talked to the office following the contact with my wife and reiterated that she was not to be contacted and got assurance that she would not be contacted from the manager. I even expressed my request for privacy via a letter. Nevertehless, when I fell behind a couple of weeks they contacted her again. I called the office furious and spoke with the manager regarding my request for privacy. He responded by saying that he did n't care about my request due to my late payment history and that he did n't care if I never made another " darn '' payment. He stated that if I would have responded to there multiple phone calls ( they called roughly 2 times per days fo r 2 we eks straight ) she would not have been contacted. But because I was so hard to reach they had to call her to prompt a response. I was never contacted via writing on the harrassing phone calls a couple times per day. Is their behavior legal?
XX/XX/2015 I bough a XXXX XXXX. I received information to start making payments to Suntrust Bank. I made my payments on time with Suntrust and then I received a letter from XXXX stating that my loan was paid and I would receive title to car in the mail. I received the title in the mail. I called Suntrust to make my payment and I was told that account was closed. I kept trying to make payment to Suntrust and was not able to. I then received a late notice in the mail from Suntrust. I then pulled my contract with XXXX and realized that my XXXX was to be financed with XXXX, not Suntrust Bank. I then proceeded to take letter and title to XXXX to have problem fixed. This was then reported on my credit. The general manager stated that I owned the XXXX and that for me to fix my credit I needed to trade the vechicle in and they would pay off my trade in. I then was financed with a XXXX XXXX pick up truck. 2 months later, I receive a nasty email from the XXXX XXXX stating that they wanted my truck back. They then repocessed my truck at my wife 's job. I was then given back the XXXX and now Suntrust bank wants to repocess the XXXX because payments were not made on the XXXX. I have tried explaining to Suntrust the situation and they will not do anything about it. They are going to take the XXXX back. I feel that this error is with XXXX and they need to fix their mistake. I can not afford to obtain an attorney. I feel that XXXX has committed fraud. I have all documents showing that the contract that I signed is with XXXX, not Suntrust bank.
The company of " common wealth '' phone number ( XXXX ) XXXX, stated I was being sued for a debt from 2009. This debt is no longer on my credit report. When I asked about this, he stated that the debt collection has been reopened and that I would be taken to XXXX courthouse. There is no courthouse in XXXX. He told me I had XXXX hours to agree to a payment otherwise my {$1300.00} debt would turn into {$5000.00} debt and they would garnish wages among other things.
TD Bank is blocking access to financial data, concerning, third party applications. such as coinbase. crypto currency.
My plant is with Equifax Equifax is not following fcra regulations they claim that my credit file has split into two different credit files and it makes it very challenging to obtain the correct information I advise on numerous occasions that there is incorrect information on my credit report I 've sent documentation and they 're requesting documentation over and over again it is extremely frustrating
Beginning XX/XX/XXXX, I was applying for an IDR or IBR plan. They repeatedly rejected this option, even though with the combined income of my husband and I, we made approximately 45,000 for that year and with both of our loans combined we owe over 30,000. Beginning XX/XX/XXXX, I was receiving emails stating to reply Yes to forbear payments. I replied yes to every email received, sometimes three time in the same week. Nothing was done. They are now requesting payment to the tune of $ XXXX/month, when it is clear they have ignored my requests and they are aware, based on the IDR application, that this amount is outrageous.
My account was suspended due to fraud and was debited {$500.00} due to an error for a chargeback that was already paid back and I submitted attorney paperwork to the bank that sent the chargebacks to my account I have had for over 5 years but it was not reviewed and my account was closed with no review or explanation.
Portfolio Recovery Associates refuses to admit that the harm that they did when trying to collect a debt that was between 10-18 years old. As a debt collection agency they knowingly went to court, filed paperwork, got a default judgement, issued and was granted a wage garnishment order. Contacted my employer and was garnishing my wages.no matter what the total was This was on my employment file with the company. This garnishment was the reason I was denied promotions and salary increases because I was deemed a high-credit risk. Now according to Illinois appeals court ruling on XXXX XXXX that the statue of limitations on a credit card debt without a written contract is 5 years. And with a contract its 7 - 10 years they purchased the account in XXXX and started collecting the garnishment in XXXX. That's 17 years later. Re-aging a debt is also against the Fair Debt Collection Practice and Portfolio is well aware of the time line from start to finish even when they hired the law firm of XXXX, XXXX, XXXX XXXX XXXXXXXX.
Re-opening of case # XXXX*Update*I was told by US Bank that I would have a resolution on this issue by XXXX/XXXX/15. Today is XXXX/XXXX/15 and they still have no answer. I initially figured since they took my case early on and processed it and gave me a deadline they would meet, that I would n't have to worry about it. Obviously I was fooled. I am now continuing the complaint. Please call my cell phone if you need further verification or clarity on this issue. 


I purchased a {$500.00} XXXX Gift Card from XXXX 's that was issued by US Bank. The moment I opened it up, I realized something was wrong with the packaging. I tried to use it and was not able to. I realized the card was already compromised, so I called US Bank ( card issuer ) immediately to shut down the card. They confirmed with me over the phone that the card was shut down and I just had to fax in the paperwork for the card replacement. That was on XXXX/XXXX/15. I faxed in the paperwork a ( XXXX ) few days later for the card replacement. Fast forward to today XXXX/XXXX/15. I called in to check on the status of the card replacement, I received a response from them saying they could not replace the card because funds were used. Now how did this happen on a shut down card is beyond me. Either the rep lied to me and told me she did shut it down on the spot, or she never did it to begin with. Either way, both scenarios demonstrate the incompetency levels of US Bank service reps. Now, instead of waiting for a card replacement, I now have to file a fraud report because the genius of a US Bank service rep did not do her job. Also, this genius rep did not put in any notes on the account either, so when other reps looked at the account, they saw nothing of the shutdown ( or so I 'm told ). I 'm expecting this to take another XXXX months to get resolved ( if at all ) courtesy of incompetent service reps.
My bill was XX/XX/XXXX and I forget to pay that day but pay it the very next date XX/XX/XXXX. I am being charge a Late Fee which it is okay but I pay {$60.00} and my new statement is {$95.00} for XX/XX/XXXX. I call and they telling me I still have to pay the {$95.00} because the {$60.00} is reflecting to the XXXX bill not the XXXX bill. The agent was so call explaining why this happening and what she did was hang up on the call.
This is a follow up up to case XXXX. 


Transunion responded that I had two XXXX XXXX accounts and one was deleted in XX/XX/XXXX and one was verified. That is not true. I have attached screenshots showing BOTH collection accounts were removed. Both accounts were there on XX/XX/XXXX, one was deleted in XX/XX/XXXX and the other by XX/XX/XXXX. 

They reinserted one account without notifying me. 

I was not notified within 5 days like is required. Delete this account immediately.
My XXXX XXXX XXXX XXXX account was sent to collections to Portfolio Recovery Associates, and I successfully resolved the account. I was sent a letter and told that my account would be removed from the credit bureaus. My account still shows in the negative section of my XXXX  account as a XXXX balance charge off when this account should not be on my XXXX  credit report at all.

I've contacted Portfolio Recovery Associates numerous times this summer about this issue. I was told by XXXX XXXX that this account should not be on my credit report. I talked to XXXX XXXX previously and I was told on XX/XX/XXXX that this account was in the hands of Portfolio Recovery Associates. I called Portfolio Recovery Associates on XX/XX/XXXXand I was told that XXXX XXXX XXXX now has control of this account again.

Whoever has this account? Can my deal be honored with Portfolio Recovery Associates so this can stop being shown as negative on my XXXX credit bureau account, and be removed?
I 've been a happy Citi customer for over a decade, however most recently there has an issue that arose from theft on my Citi checking account that led to problems with my credit report. This has been a very frustrating issue as I 've brought this issue up with Citi to no avail, and I find my credit score heavily tarnished due to a small missed payment, which in effect was Citi 's mistake. XX/XX/2015, my checkbook was stolen and my account information was compromised I was told by Citi to close the account and start up the new account. In XX/XX/XXXX I went to the Citi branch and started up a new account and closed the old account. Unfortunately, without my knowledge, the account was re-opened and then over drafted due to an ACH, which I was not aware of at the time. This account ended up being overdrawn and it ended up maxing out a small overdraft line of credit which had a credit limit of a few hundred dollars. On XX/XX/2015 when I was at the Citi Branch, only then was I made aware by the teller there of the old account not being closed and was still honoring old ACH 's and had a balance of {$38.00}, so I promptly made a {$750.00} deposit towards that account o make sure it did n't get overdrawn. So the account ended up having a balance of {$780.00}. However the teller failed to tell me that the line of credit linked to it had also not been closed and was indeed maxed out and past due. I only got alerted of this later when I checked my credit report, at which time I promptly paid off the line of credit. All the while in my new account, I had funds between $ XXXX- {$8000.00}, which were more than sufficient to payoff the overdraft reserve line
I filed an original complaint with CFPB on XX/XX/XXXX - reference case # XXXX. 
Pacific Union Financial Response dated XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX for XXXX XXXX XXXX outlined a forebearance plan offer, which if accepted by me, would become effective XX/XX/XXXX and continue through XX/XX/XXXX. 
Numerous requests via phone and email to receive these documents and specifically the forebearance plan agreement have been unsuccessful. 
Obviously, I can not review or accept documents that I am not in receipt of. Just today I received loss mitigation paperwork again when requesting the forebearance plan agreement XXXX XXXX promised in his response dated XX/XX/XXXX. There are 6 days left in the month XXXX and the lender continues to ignore my requests for the correct documents so that we can move forward. See attached emails.
I would like to have case # XXXX reopened and addressed. The authorization was once again faxed ( I have a copy of both the authorization as well as the fax confirmation ) to PHH mortgage on XXXX/XXXX/16 at XXXX. I called again today and once again they have no receipt of the authorization. The number that I called was the number I was instructed to call from a voicemail that I received this afternoon. When I called, I was told that they once again could not help me because of no authorization and that they could not provide me with any information as the loan is in foreclosure and it is with the attorney. The attorney that they are referring to is XXXX XXXX XXXX XXXX XXXX, XXXX. I had previously received a letter from them dated XXXX XXXX, 2016 ( addressed to XXXX XXXX, the " unauthorized 3rd party '' ) mentioning foreclosure in a sentence. The letter also states that a dispute should be submitted in writing within 30 days ( I sent a letter via certified mail XXXX/XXXX/16 to dispute ) and a response will be sent back to me via mail. It is now XXXX/XXXX/16 and the only correspondence I have received is a voicemail from XXXX/XXXX/16 from XXXX at ext. XXXX stating that they had received my letter and I was to call them back. I returned the call that afternoon and left a message for XXXX. I have yet to receive a return call or paper correspondence via mail. 

Also on the XX/XX/XXXX mortgage statement it says that " The first notice or filing required by applicable law for the foreclosure process has not been made. '' My original complaint ... Case # XXXX. None of the issues in that complaint have been addressed nor has the dispute I submitted in response to PHH 's response to my original claim been addressed. 

I have since my original complaint filed for a refinance of the mortgage solely in my name. I have been denied on the basis of Garnishment, Attachment, Foreclosure, Reposession, Collection, Action or Judgement and Unacceptable Payment record on Previous Mortgage, however the mortgage with PHH is not on my credit report. The bank that I had applied for the the refinance through said that they had contacted PHH mortgage. They were given information regarding the loan. So how could that bank receive information but I can not? Since I am still according to PHH " an authorized 3rd party, '' how could they have been authorized to disclose anything based on my application which was solely in my name? 

I am not being helped by PHH mortgage and now they have stood in the way of me obtaining a loan in my name with another bank ( which was approved and I paid for the appraisal ) so that I can keep my house.
I attended college in the XX/XX/XXXXs and graduated in the year XX/XX/XXXX. My total amount of my loans topped at {$8000.00}. In the 17 years since graduation I have paid thousands towards my loans. They changed hands a couple of times finally landing in control of Navient. It was not my choice to have my loans under different lenders. Now after 17 years and trying to dispute this through my credit report without success I owe a balance of {$8500.00} which is {$590.00} more than the gross of my original loan 17 years ago. I have now been left with only the option of filing a complaint with three different agencies. I am well aware of the lawsuits files and feel I have been wronged through my student loans. I was steered wrong by both XXXX XXXX and Navient. I can not log into XXXX XXXX to see my history buy according to Navient my loan was disbursed in XX/XX/XXXX which is incorrect. It disbursed in XX/XX/XXXX and XX/XX/XXXX and completed in XX/XX/XXXX with a max of {$8000.00}.
My loan actually reached its term to be paid in full in XX/XX/XXXX. Since XX/XX/XXXX, I have paid {$4100.00}. This does not include what was paid to XXXX XXXX before this. Navient has taken every payment I have made and used it for fees or capitalized interest plus some leaving me owing {$590.00} more than my original loan. 17 YEARS LATER. This is why I stopped payment on this loan. I was getting nowhere.
My mortgage is currently serviced Seterus, which was transferred from XXXX XXXX   on XXXX. On XXXX, I paid {$64000.00} direct to Seterus. This payment should have reduced my balance to around {$8000.00}. Seterus does not show proper application of this payment. Seterus has continued to accrue 6.375 % at the old principal balance, thus driving up the past due amount artificially ( see attached ). The attached statement also shows past due escrow of {$11000.00} and {$3500.00} of extra charges that were accounted for prior to the {$64000.00} payment. The statement also clearly shows an accelerated amount of {$21000.00} that Seterus can't account for. I have requested payment ledgers to prove up the validity of the accounting, which Seterus has failed to provide. Per RESPA and HUD law, Seterus is required to respond the QWR timely. Since Seterus is deemed a debt collector, they are bound by the FDCPA. Per the FDCPA, Seterus is in violation of 15 US Code 1692g. Seterus is required to prove up the validity of the debt before proceeding with foreclosure action. I feel cheated and deceived by Seterus and I am seeking your assistance on this matter.
On XX/XX/XXXX I made a cash deposit before I purchased a rental car due to mine being flooded from Hurricane Irma. That deposit has disappeared and left me with a negative balance that I worked hard to avoid. I receive overdraft and returned item fees regularly from SunTrust and am trying to avoid more. I have been unable to make any purchases including lunch and my XXXX XXXX  was declined payment due to this. I deposited {$300.00} to a teller at a branch in XXXX, SC and now I have a negative balance. I am going to incur an additional fee from XXXX XXXX. Due to the transaction not being paid on time when they tried to run it. I contacted SunTrust XX/XX/XXXX and they said they are having an issue with deposits and that there is nothing they could do. I ask that they reactivate my overdraft and guarantee that all transactions will be authorized ( I am told I have reached my limit ) or return any recently imposed overdraft or NSF fees which SunTrust refuses to do. SunTrust has left me with a negative balance and the only thing they can tell me is we are sorry and working to resolve it. I have no money available and no temporary authorizations are available. 
Whenever I am in trouble with the bank I never receive any sympathy and am given significant fees without any offer of forgiveness but I am expected to forgive them for having a banking issue. Transactions are reordered so that items are returned and fees imposed. In this situation I worked hard to avoid a negative balance and am still given a negative balance.
On XXXX/XXXX/14 I opened an account with Synchrony Bank through a furniture company called XXXX XXXX. The loan was for {$2000.00}. The application was done by phone in the store by a representative from the furniture company. I was approved and bought the furniture. What I did not know is that this was a promotion with 0 % interest for one year, then after one year the interest jumped to 29.99 % on the unpaid balance. So, now I owe $ XXXX in interest on a {$2000.00} loan and I will never pay it off at this rate. I have been paying for over a year and I still owe MORE than the original loan amount. How can a private bank like Synchrony be allowed to charge so much interest? Other " promotional '' offers on other credit cards such as XXXX XXXX, etc. charge half of what Synchrony is charging. This type of bait and switch should be stopped!
We are attempting to purchase a XXXX property held by Chase. We made the offer for a property in pretty bad shape. In the meantime while waiting for them to sign the contract, A tree had fallen onto the property. We purchased the property as is which did not include the tree. Now Chase is telling us if we want the property we need to pay for the tree removal. This company has done everything possible to torpedo the sale because they have another higher priced offer available. They have been impossible to work with and using their size to bully us into an agreement that we do not want nor can afford.