WillisBack/dataset-financial-user-claim huggingface dataset:
For the second time TD bank has closed my debit card stating i needed to activate the new chip card they sent me and for the second time i have not received a chip card. I have now been declined making a purchase twice because they close my current card assuming i received a new XXXX in the mail. It is inconvienent and embarassing.
Delta Management Associates, Inc. contacted me at work on XXXX XXXX, 2016. I gave them a mailing address and asked for all future contact to be through the mail at the given address. The next day, my employer received two faxes for information from them. When contacted to ask them to cease from contacting the business, they hung up the phone.
I was involved in a real estate investment over 10 years ago. I lost XXXX property to a foreclosure. There was a 1st and 2nd mortgage on that property. The 1st was taken care of in the foreclosure and the 2nd was sold off to numerous companies. I hired an attorney years ago to try to take care of this account. We continued to ask for proof of the loan which they could never produce. It has now been reporting as a 180 late mortgage only on Experian. We have disputed this numerous times and asking for proof of the loan. The company is XXXX XXXX XXXX. They have not provided any documented proof and now say they have sold the loan and do not have any information. Their response to Experian continues to be they are reporting accurately. Experian has told us they do not need to give written proof. My understanding under the FCRA is : The credit reporting company and the creditors should investigate the dispute or fix any mistake. If the disputed info is wrong or can not be verified, the creditor must delete or change it and provide a correction to the credit reporting company that received the disputed information. 
We are unable to refinance due to this continuing to report an 180 day late mortgage payment. I will attach Experian credit reports. 
Thank you for your assistance!
There is an item on my credit that is quite old and was settled up years ago through a debt consolidation service/ Legal representative called XXXX XXXX/ XXXX XXXX XXXX whereby this item was settled and negotiated and paid yet it is on my credit as a past due and I can not buy a home because of it. The item is XXXX and is on all 3 credit bureaus.. 
also the balance is XXXX and should read XXXX. AC number is XXXX closed back in XX/XX/2013 but keeps getting reported every month
This is related to my previous complain. It was researched but not detailed. I didnt agree with the companys response as it does not cover everything. Please refer to CFPB Ref No : XXXX especially the feedback. I can not reopen the old ticket so this would be a new ticket.
I've been trying to get Modification but my servicer has changed 4 times since XXXX. XX/XX/XXXX I made a payment of {$1500.00}. to XXXX than XXXX XXXX changed my account number and said I would be assigned a new Servicer shortly. My account number was changed from # XXXX to XXXX.My lender also sold the loan from XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX than XXXX notified me that my New servicer would now be Select Portfolio Servicing and my new account number is now XXXXEach time I filled out all my paper work and was supposed have a trail modification sent out to me they switched and than tried to state that I did not give all the required documents. I was paying {$3200.00} for 5 months in XX/XX/XXXX to XXXX XXXX who sold my loan to XXXX XXXX than to XXXX along with all these different Servicers how can they say my payments were even correctly transferred with all the different loan numbers.
It in collections its not my account, they wont tell me what kind of an account .I told them back in 2013 I had identy thief, come to find out its no the original debtors the amount is XXXX
On XXXX XXXX,2017 I called Amazon chase company asked what the pay off was. They gave me the amount in which I paid ofc account. I then receive a bill for a interest payment for the next month. When card was paid off.
To whom it may concern, I XXXX XXXX received a credit card from capital one. I had used the card once to withdraw {$60.00} from the ATM the card worked perfectly. Then I went to the store to purchase a gift for my daughter, the card declined. I went to another store with the same results. The next day I called capital one to check my card and was directed to the fraud division. They asked me a few test questions which I had answered all correctly except for one question. I was instructed by capital one to send a copy of my social security card, utility bill and my New York state ID. First I had faxed everything but capital one said that it was n't clear enough. Then I had uploaded it on my lab top and capital one said that it would take 24 hrs. before my card could be re activated. After the 24 hrs was up I was told by capital one that it would now be 72 hrs. I participated in capital one 's survey giving them a horrible review., at the end of the survey capital one asked me was I the same person who contacted them on XXXX XXXX. I had replied saying yes and now when I call capital one I can never get a live person on the phone. I received a letter from capital one today stating that I might be a victim of identity theft which is another lie that capital one has told. Some of my friends have said that the same thing has happened to them. My husband said that he was n't ever able to use his card because Capital one told him that he was a victim of identity theft. Capital one done nothing but send me back XXXX and sabotage my daughter 's birthday.
Comenity - XXXX XXXX credit card does not have the option to set up reoccurring payments which is very inconvienent. You have to go online each month and setup the payment. Unfortunately I was dealing with an ailing family member and was preoccupied for months until they passed and forgot to set up my payments. I have gone online for several months even years and paid on time. This is the only creditor I have that does n't have an option for reoccurring and you ca n't set up the next one until after your payment is made. I received a phone message and was horrified that I forgot to set up that payment so I immediately setup a payment to make it current then I set up another one after that one got paid for the next due. Called the company the very next day was transfereed to customer relations and they told me to write a letter and fax it or mail it asking for forgiveness and if they can fix the late reporting to my credit report. I received a letter dated XXXX XXXX, 2017 stating they reviewed my file and ca n't make any adjustments to my credit reporting. Bottom line you should be able to set up any online account to have reoccurring payments so you do n't make the mistake of not setting it up every month. Even XXXX who has interest free promotions like XXXX XXXX allows you to set up reoccurring payments. It seems companies that wo n't want you to mess up so you end up paying all the interest ... which to me is very deceptive.
XXXXXXXX XXXX, XXXX XXXX, has been illegally attempting to collect a mortgage debt for the past 2.5 years and has engaged in multiple instances of fraudulent misrepresentation to both me, the state and appellate courts of Ohio, and to the United States XXXX XXXX Federal Court. 

Specifically, the Bank, by and through its attorneys, alleged that it is the new trustee in the case by virtue of being the successor in interest to XXXX  XXXX XXXX. As a result of those false statements, the bank then stated to the courts that it was the 'real party in interest ' in my case. 

In addition, XXXX XXXX itself wrote me a letter ( attached ) in XX/XX/XXXX stating that it was the 'trustee ' for the 'trust ' that owns my note and mortgage. None of the statements above, both made in court and made to me, were true at the time they were made, and they are still not true today. 

The evidence of their falsity is readily apparent by means of a fraudulent 'Corporate Assignment of Mortgage ' that was filed by Select Portfolio Servicing , INC , the servicing agent on the account. 

The assignment, which was prepared on XX/XX/XXXX, contains a number of contradictions that prove that the statements made prior to that date were false. In addition, further statements that were made after XX/XX/XXXX are also false since they assignment failed to transfer any 'interests ' to XXXXXXXX XXXX as they alleged in court documents. 

XXXX XXXX, in addition to committing fraud upon the Courts, is in direct violation of the Consent Decree it signed with the XXXX in XXXX, XXXX. 

Article IV ( 1 ) ( e ) of the Compliance Program, signed by the bank on XX/XX/XXXX, requires the bank to establish and maintain : ( e ) processes to ensure that the Bank has properly documented ownership of the promissory note and mortgage ( or deed of trust ) under applicable state law, or is otherwise a proper party to the action ( as a result of agency or other similar status ) at all stages of foreclosure and bankruptcy litigation, including appropriate transfer and delivery of endorsed notes and assigned mortgages or deeds of trust at the formation of a residential mortgage- backed security, and lawful and verifiable endorsement and successive assignment of the note and mortgage or deed of trust to reflect all changes of ownership ; ( emphasis added ) All of the above requirements imposed by the OCC detailed above have been violated. 

As of XX/XX/XXXX, XXXX XXXX has filed a new praecipe of sale as part of its ongoing fraudulent scheme to literally steal my home under false pretenses. 

I filed in state court on XX/XX/XXXX the attached new motion to vacate the summary judgment due to fraud on the court and 'any other reasons justifying relief ', but it was incorrectly denied on XX/XX/XXXX due to 'res judicata ' .
I have not received any correspondence from either Experian or XXXX during the entire course of my dispute process. All letters have been delivered and I am able to track them online. By law, results must be delivered within 30 days and I have not only received no results in the mail, but no mail whatsoever. Therefore, what I am disputing must be removed.
I have contacted SW Credit Systems several times about the account being reported on my credit report. I paid the account off with XXXX XXXX XXXX and XXXX XXXX XXXX stated the collection would be removed from my credit report. To this date, the account has not been removed from my XXXX or XXXX credit reports.
I have an account sent to collections in the amount of {$490.00} that was paid off in XX/XX/2016. I was advised by my lender to call the number provided NCC Business Services, he told me they should be able to remove this from my credit record and if they do not comply then I should file this complaint. I called the telephone number provided XXXX. They told me they couldn't do that, that " it's not what they do. '' It was shown to me that having that remark removed from my record would raise my credit score significantly. It has been a major inconvenience for me as my family is trying to purchase a house. I would really appreciate this issue being resolved. Thank you.
On XXXX XXXX, 2015 a cease and desist demand was sent ( certified mail with return receipt XXXX XXXX XXXX XXXX XXXX ) to Capital One in reference to consumers account ( s ) ending in XXXX & XXXX. Consumer specified consumers wish to have the accounts closed and noted as 'Accounts closed by consumer ' on consumers credit report. Consumer warned Capital One that consumer would check on consumers report within thirty ( 30 ) days from the date of notice to make sure Capital One had honored consumers request. Consumer received letters from Capital One dated XXXX XXXX, 2015 stating Capital One had applied a 'Cease & Desist ' to the account ( s ) which meant they would no longer contact consumer and stated that the cease & desist does not impact any payment plans, arrangements previously arranged with Capital One which leads the consumer to believe the account ( s ) have not been closed and noted as requested by consumer. Consumer requested knowledge that the accounts reflect closed by consumer under the Fair Credit Reporting Act ( " FCRA '' ) 15. U.S.C. Sections 1681u - 1681v. Consumer informed ( and warned ) Capital One that if they did not comply consumer would file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and ask complaint be forwarded to governing entities. A copy of the cease & desist document is attached to this complaint as proof positive request to Capital One and warning of consumer 's intent if Capital One did not honor consumers request under the Fair Credit Reporting Act ( " FCRA '' ). At this time Capital One is in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681u ( " FCRA '' ) by misuse and misreporting the credit information provided by the consumer. Capital One furnishes information to consumer reporting agencies and is subject to Section 623 of the FCRA 15 U.S.C. Section 1681 s-2 which imposes a series of duties and prohibitions upon any person or entity that furnishes information to a consumer reporting agency. Reporting accounts as active when voluntarily closed by consumer and misstating the balance due is a violation of the FCRA. Consumer has the right to request consumer 's account reflect consumers wish to close the account by consumer on credit report. Capital One was told ( in writing ) that consumer intended to file a federal lawsuit if ANY negative information is placed on consumers credit report other than 'Account closed by Consumer '.
I received a payment from another person via PayPal. I was notified of the payment transfer because PayPal sent me an e-mail stating the I received the funds. However, when I logged into my PayPal account, my PayPal balance or activity did not reflect the transaction. As such, I followed up with PayPal by placing a call and inquiring of the missing funds. PayPal agreed that they did send an e-mail notifying me that the funds was sent, but unfortunately can not track the payment made. PayPal states this is possibly due to a glitch on PayPal 's end. As such, the payment was lost, so I never received the funds, and the person that sent me the funds lost the amount because I never received this amount. 

When I asked to file a formal compliant with PayPal, PayPal states that they do not have a formal complaints process and customers may only speak with Managers. In addition, PayPal does not have process to receive and escalate these disputes or complaints. 
I spoke with Employee with ID # XXXX.
Ditech Financial is trying to charge me fees without any merit. They have, without informing me, changed my account number and caused my bank to send my electronic payment to the wrong ( original ) account number and now are charging me a late fee. There are also payments not showing up in my account with Ditech that my bank says Ditech accepted. I have attached the last XXXX correspondences from Ditech ( dated XX/XX/2016 and XX/XX/2016 ) and you can see the account number change..again, without my knowledge and causing me to incur a late fee even though payment was made on time, as it always is.
XXXX, XXXX, TRANSUNION All 3 credit  reporting agencies are not providing easy ways to manage credit freeze thaw process : websites not working phone in systems not working or no phone number provided to call
XXXX ring credit card offered as 0 % transaction fees .... False. Charges 1 % but only states after you apply. .... Fraud.
My hardship started on XXXX XXXX, XXXX. When my wife XXXX had an accident at XXXX leaving her almost XXXX, this was a really stressful time for us. Due to my wife 's health I was forced to miss many days from work, my previous employer just could not work with me missing days, or sometimes I needed to leave early to take my wife to her XXXX. I always provided a doctor 's note to my boss, but however he was looking for an excuse to let me go due to missing many days of work. Shortly after I got fired from my job, this was a major blow because my wife was not getting any income, we depended on my income. Also hospital bills were coming higher every time and we could n't afford the mortgage as well. I was fortunate to get hired at XXXX XXXX XXXX As a XXXX on XXXX XXXX, XXXX I am making {$750.00}. Bi-weekly at this new company. Also my wife XXXX is only getting Social Security income of {$710.00} per month she stop receiving the workers compensation since the end of the year. As you may check on my bank statement the last month she received workers compensation was on XXXX XXXX, XXXX. This brings our income to a total of {$2200.00} now I did inform Wells Fargo in regards to this change of income during the appeal process, but Wells Fargo decided that the trial offer was affordable even with my loss of income. This is really frustrating because Wells Fargo want me to make the trial payments even when my income has change. I decided to escalate my file to the Executive office, agent XXXX XXXX was extremely rude with a condescending tone every time we contact him, I feel that he could have done more from his end, that was the reason why I escalated my loan because I am tired of re-applying every time either Wells Fargo always uses the wrong income. I was offer a new trial and Wells Fargo used {$0.00} income and was able to provide me a non affordable payment once again.
On  XXXX   XXXX , 20017 I checked my acct and had  XXXX  in my acct. Checked my acct on  XXXX   XXXX  and seen that I had  XXXX  In over fees. I called the bank and talked with the manager she said that it was because of  XXXX  charged but when I look on my statment I had about  XXXX  after that came out. So than on  XXXX   XXXX  we went to the bank so they can show me why I went over. The assistant manager sat down with us looked at are statement and the statement she printed out and agreed that we should have never got the  XXXX  over fee. And that has caused a snowball affect. She said she would talk with the  manager  and get back to us on Monday. On Monday the assistant  manager  called and said it was because of a  XXXX  deposit that made us over. The manager called us back week of  XXXX   XXXX  and said it was a  XXXX  that caused the problem but yet it dose not show up on my statement nor t he one the acct manager printed out.
I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them since I have submitted similar disputes before. 
I would be very grateful for a step by step explanation from Experian detailing the specific information I may have missed. 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them?
I SENT THE CREDIT BUREAUS MY POLICE REPORT ON THE FRAUDULENT ACCOUNTS, XXXX, XXXX XXXX, AND XXXX XXXX. THEY HAVE NOT REMOVE THESE FRAUDULENT ACCOUNTS FROM MY NAME. THIS IS A VIOLATION OF MY RIGHTS FOR ME TO PROVE THE FRAUD AND FOR THE CREDIT BUREAUS NOT TO DO ANYTHING ABOUT IT.
XXXX XXXX in XXXX, CA has been repeatedly calling my cell phone, even though I am paying/have paid my bills in a recurring and timely manner. They called my cell phone at XXXX XXXX/XXXX/16. When answered, the caller hung up. The numbers attached to this company calling my cell phone outside of legal hours is XXXX. I have asked them to resort to email communication if they can not follow the rules for contact via telephone set forth by the FTC. They will not comply, nor will they address the issue. I contacted them shortly after XXXX PST on XXXX/XXXX/16 to discuss this issue, and was met with aggressive/unethical collection tactics in regards to a bill I have been paying regularly and timely, which resulted in being hung up on by a representative.
I had XXXX in XXXX 2015. I have a hospital debt for a little over XXXX I made a payment of XXXX in XXXX 2015. I called the creditor in XXXX 2015 to set up automatic payment arrangements. I was told that my debt as transferred to a collection agency. I 1was provided w/the agency 's phone number. I called them the same day XXXX XXXX to set up automatic payments which I did. We agreed on XXXX monthly. An initial payment was made at that time. Today a get a letter from another creditor demanding money for the same debt. asking me to set up payments with them. In addition this new company has made phone calls to my job.
Almost 3 years ago I got a phone call from a debt collector saying they were trying to collect on a delinquent account for a store called XXXX and I spoke with that agent for almost 30 minutes on the phone telling them that I do not owe. Any money at all and that they needed to send me all Account Details to validate the debt and all of the cash and credit card transactions that I made towards that card because I always paid back what I used on that card it was only at a {$200.00} limit and each time I went into the store I paid back what I owed add One online payment via their website and with the cashier that I was cleared and now all of a sudden it 's on my credit report after 3 years I find it very odd now that all of the locations of XXXX have closed and all of a sudden I am getting something on my credit report saying that I owe them {$320.00} and I said that they need to also check with the XXXX store  in XXXX XXXX Florida in the XXXX store in XXXX Florida for the Reps that I gave cash money to for my account and told me that each time I was cleared I only use the card no more than four times
On Thursday XX/XX/XXXX I reached out to these bureaus to request that fraudulent accounts and inquiries that are reporting on my credit file be blocked pursuant to section 605B of the Fair Credit Reporting Act. 

They did not remove : XXXX XXXX XXXX, {$980.00}, XX/XX/XXXX. 

I would like to request that these items be block in accordance with section 605B of the Fair Credit Reporting Act.

I would also like to request a copy of the investigation including the company ( s ) they are receiving this fraudulent information from.
I took out a personal loan with Wells Fargo XX/XX/XXXX. I have several issues with the bank, which continue to be unresolved. So I will address only one issue at this time. My monthly payment is {$210.00}. Enclosed, please find that on XXXX/XXXX/XXXX, a payment was made and the entire payment of {$210.00} was applied only to interest. In addition, the balance never decreased due to this mistake. It still appears as {$5000.00}. The bank agreed to correct the mistake, but then changed it back to the original error. I am asking for assistance with the banks error. Thank you.
I 've submitted multiple disputes to Equifax in regards to collection accounts that XXXX XXXX XXXX inserted into my credit report as credit tradelines. I provided documentation to Equifax on four different occasions and each time the accounts come back verified. I supplied Equifax a copy of their own documentation showing how a collection account should be reported and they still have not deleted the inaccurate information. XXXX XXXX purchased delinquent charged off credits cards and are now misrepresenting themselves as my original creditors which they are not. I have not other option but to file a complaint with the CFPB and the South Carolina Attorney General office.