WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX of XXXX XXXX was offering a wonderful deal on unlimited data. We had been with XXXX since XXXX and thought that switching would be great. Since my cell phone line was up for contract renewal I went to XXXX got a new phone but was able to keep my number. Unfortunately XXXX coverage was spotty at best and sometimes non existent. Before the 14 trial period was over, I took the phone back to XXXX and was able to cancel the contract without penalty. XXXX took me back, yet XXXX would not release my phone number so that I could use it on XXXX. A customer service rep at XXXX " fixed it '' for me, and I was able to use my phone on the XXXX network again. What the csr did n't tell me was that he had re-activated my phone on XXXX for about 15 minutes and that made me liable for breaking the contract! I have called and spoken to this company every few months to resolve this and it has never been resolved
On XXXX XX/XX/2018 on this Portal Equifax stated they performed an investigation and verified inaccurate information on 2 XXXX XXXX  credit card accounts. Equifax FAILED TO PROVIDE THEIR METHOD Of VERIFICATION as requested in the attachment that Equifax signed via CERTIFIED MAIL on 3 XX/XX/2018. Equifax continues to verify without a METHOD. I sent the letter attached to obtain information to support my small claims lawsuit against Equifax. For my records I am maintaining all of the documents through this portal. Equifax please reply via mail as requested from the document signed by your company on XXXX XX/XX/2018 the persons and documents afforded from chase bank that you have used to continually update inaccurate unverified information on my CR.
Because I filled a CFBP complaint Paypal customer service is stating that they are not allowed to speak to me because I filled a CFBP complaint Case number : XXXX. I filled a CFBP complaint and not a lawsuit so it 's not clear why Paypal is behaving this way. 

Paypal customer service suggested I instead write to Paypal 's Legal Department with any question.
The Collection agency in question is based in my office building, Columbia Credits Inc. My dog had a run in with another dog in the parking there lot and although it was abundantly clear no damage was done, they took the dog to the vet are now attempting to charge me for the consultation and some XXXX medicine the dog received. They think because they are a collection service they can serve me with a bill and are threatening that they 'll take me to court over it. Please help, I signed no agreement to pay any money, I owe nothing, they are just clearly quite ok with blatantly breaking the law.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX     2014  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I am currently in XXXX school and have had a lot of trouble dealing with my servicing company ( Sofi/XXXX ) regarding the details of my deferment. I called them multiple times over the summer to go through the approval process and no one at any point in time told me that I would have to reapply every three months. My account was just auto-debited the full monthly payment. I 'm currently on the phone with them now disputing this charge. They are an awful company that has seemingly purposefully withheld information about how my in school deferment would work. I was also not told that I would have to make interest payments while in school.
My mortgage has been with Seterus for a number of years ; I did n't " chose '' them -- they took over an existing loan. I have had minor problems with them in the past but recently they did not send me my bill until shortly before it was due. As a result, I neglected to make a payment until the last minute ( not intentional -- I was just used to receiving the bills well in advance of the due date ). In XXXX instances, I tried to make the payment online but was unable to do so due to technical issues with their site. When I called in, they let me make a payment over the phone but charged me extra. Even though I complained about this the first time, it happened again with respect to the bill due in XXXX. When I called in, they let me make the payment over the phone but insisted that I pay the surcharge. When I complained they said they would drop the surcharge from {$10.00} to {$5.00} XXXX which is what the website would have charged XXXX but, infact, they charged me {$10.00}. So, my complaint is regarding their negligece, their tardiness, the difficulty of using their website, their inconsistency, and the fact that they did not do what they said they would with respect to the surcharge. I think they are incompetent and are gouging me. Loan number is XXXX, Their phone is XXXX. Fax is XXXX.
I paid a debt to Capital One in 2009. Since then, I 've received letters from numerous creditors and Disputed the Validity of Debt, never received documents until a phone call XX/XX/XXXX from XXXX XXXX at XXXX XXXX XXXX. He first called my wife and threatened her noting that she was on the loan, which is untrue. He continues to harass our family and there is no debt.
I settled my Wells Fargo Card for {$5600.00} whereas they are failing to acknowledge my payment and misreporting to the credit bureaus, I have all proof of payment my bank statement which also includes the payment made to them a month ago, I am not able to buy a house due to this, they call me up after a month and are like we haven't received your payment whereas I have all records and a letter sent out by them that I have cleared it.
I 've had several instances. The first one was when I made a payment and navient decided to allocate funds from one of my loans on the other leaving me short on one of my loans causing me to get a late fee and a hassle to get them to fix it on there end. And I 've also experienced many times when they 've taken a smaller amount of funds for my loans leaving me with late fees. And because of these late withdrawals and leaving me short they 've increased my interest rates.
I received a credit alert from XXXX that i had a credit alert. when i checked my alert my credit score had dropped aprox 100 points and my XXXX credit card was listed as closed by account creditor and was listed under negative accounts. On XX/XX/XXXX my score was XXXX and today it dropped to XXXX. This is what was taken from my alert page : The following changes were reported for your XXXX  account : Balance Amount Changed from {$550.00} to {$570.00} Comments on your account changed from Charge, Amount in H/C column is credit limit to Account closed by credit grantor, Charge, Amount in H/C column is credit limit, Closed I just spoke with the bank and I have an available credit on the card and this card is not closed. My other issue with how they reported my XXXX XXXX card was reported to negative account when it was closed by me. not the grantor.
We received a modification as of XXXX XXXX 2016. We made our first payment that month as per our signed modification agreement. We gave the bank {$100000.00} and they finally modified us after about 5 years of going to court and never getting answers. So I have been making the payments for the following months till current and I am getting statements that I am behind in payments, that I owe money. My modification states that any owed fees were waived. Capital One is now calling my house telling me I owe money. My lawyer is speaking to the lawyer from Capital One ( XXXX XXXX XXXX the one that has been to court with us ) and he does n't know what 's going on. We gave them this life savings to clear our name and get back on our feet. Our credit score is being ruined. Please help us resolve this. No one has any answers. Thank you
I paid down ( Approximately XXXX XXXX ) my Cedit Card by XXXX with a XXXX XXXX XXXX XXXX ( photo of Money included prior to mailing ) by mailing the Money Order to Citicards. I kept checking my card balance to see if the payment was ever applied to reduce my balance. The Balance was never reduced and the I found out from the XXXX XXXX XXXX that the Money Order was cashed on or about XXXX XXXX, 2016. I have filed papers with XXXX XXXX ( also included ) requesting an investigation. I have also requested CitiCards ( Payments Investigation Dept ) to determine who cashed my Money Order made out to Citicards. I also forwarded to Citibank copies of my paper work to XXXX XXXX requesting an investigation ( paperwork also attached ). 

I am aslo forwarding to the CFPB copies of documents forwarded to Citicards and XXXX XXXX.
I have had judgement against me thru attorney Patrick Scanlon. I have made several attempts to contact his office for assistance. I had completed their financial/income papers and had asking to be able to make a payment arrangement each month and no response was ever received. Recently I have made several attempts to contact his office thru their online portal email site. I received a settlement offer later datedXX/XX/XXXX stating they would accept {$1200.00} to show the judgement as paid in full. The letter states that I have until XX/XX/XXXX to pay in full and accept their offer. I emailed their office on XX/XX/XXXX to let them know that I was borrowing funds and would be accepting their settlement. Several days later I received notification that they have now attached my wages for the full amount. Why would I be sent a settlement letter if they were garnishing my wages? Their letter advises me that it may be worth my while to borrow the funds, which I have now done and then had my income seriously diminished. Why would they have ever sent me a letter recommending me to take a loan while knowing that they were already having my wages garnished. I have been trying to work them to make arrangements, and receive no responses to my emails. I specifically sent them an email to let them know that I was planning on accepting their settlement and when they could expect to receive the funds. Now I am stuck with a loan that I wouldn't have needed to take out, with a very high interest rate, and an inquiry when they knew all along they were going to garnish my wages. This does not feel right. I am aware that I owe the funds which Is why I have been trying to reach out to rectify the situation.
On XX/XX/2017, this debt for XXXX appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
On  XXXX  my wife and I executed a contract with Cash Call to refinance our mortgage. The Closing Disclosure forms that we signed indicated a total closing cost of {$2100.00} and cash to the borrower of {$11000.00}.     When the everything funded and closed, the closing costs had nearly doubles to {$4000.00} and the cash to the borrower was reduced to {$9400.00} These changes occurred without Cash Call informing my wife or me of the change. We were not asked to sign or execute a new contract or an addendum to the contract. As a veteran, specifically of the  XXXX   XXXX , I received what I thought was playful teasing about  XXXX  's and their relative intelligence as compared to a someone in other branches. I now wonder if this was in fact a true bias that has resulted is disparate treatment.     Bottom line is that I simply do not understand how a lender can make material changes to the closing costs and our cash out amounts after we signed/executed a contract.
I was an authorized user on a Fifth-Third credit card. I never applied for the credit nor did I authorize use of my credit information for the card nor did I authorize release of this information to an credit reporting agency. I never agreed to any of the terms or conditions of the card nor did I sign any contract. Since XX/XX/2018, I have requested to be removed as an authorized user so that this no longer showed on my credit report. Initially Fifth-Third refused to remove me as authorized user when I made the request more than 4 months ago. This account continues to be reported on my credit scores despite my request that it be removed. I sent a letter on XX/XX/2018, formally requesting a copy of my credit application and verification of all accounts which Fifth-Third has associated to me, how Fifth-Third has the account associated to me, and confirmation of which accounts are reported to any credit reporting agency.

Fifth-Third acknowledged the receipt of the letter but has refused to provide any of the requested in formation in the last 30 days. A local representative " XXXX '' advised the matter was sent to " legal '' and that there is a memo that Fifth-Third was to remove the credit reporting history. To date this has not occurred despite the fact that this was originally requested more than 5 months ago. It appears that Fifth-Third was attempting to hold me liable as joint account holder and illegally refusing to remove me as authorized user on this account for which I never applied. 

To further matters, on Thursday, XX/XX/2018, I received in the mail two new cards for this account or potentially another account for which I have never applied. It is unknown to me whether Fifth-Third always sends cards to people who never applied for credit, or whether the individuals named on the cards fraudulently applied for credit using my information which was why the cards were mailed to my address. 

I have pristine credit and Fifth-Third 's refusal to correct its error in reporting, its intentional or negligent handling of the account, its refusal to remove/close an account which it reports to credit agencies despite the fact I never applied for the credit or consented to the terms any credit contract, and the fact that I am told by local employees that I " have no accounts '' with Fifth-Third and that any history of reporting will be " wiped, '' has caused extreme aggravation. Further, continually opening accounts without my consent, refusing to close or remove me from accounts, and lying about removal from any credit reporting history has detrimentally affected my credit score causing severe damage for me personally and my ability to run my sole proprietorship business.

I need Fifth-Third to respond to my originally requests and for all accounts to be removed from credit history as it states that I have no accounts with it.
Kaye Jewelers put o my credit report on XXXX that I was late with the payment and I was not. I 've actually paid above and beyond my payments. I 've asked them to remove it from my credit report and they refuse.
I am a victim of identity theft. The information listed below, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  XXXX which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft
XXXX XXXX XXXX is an account that was originally opened in XXXX of XXXX, was then sent to a collection agency named XXXX and eventually paid off in full in XXXX. I had printed a credit report in XXXX to get the status of when the items, XXXX XXXX and XXXX XXXX, would be removed from my credit report and it was noted that it will be removed in XXXX of XXXX. I recently inquired to a credit bureau representative about late payments to another account that should be removed and upon confirming the removal of XXXX XXXX and XXXX XXXX from my credit report in XXXX of XXXX, I was informed that the date was changed to a time in XXXX without any legitimate reason. I am disputing the fact that I should n't have to wait an extra two years to have items removed from my credit report when its was verbally expressed and stated on a credit report that the items were going to be removed in XXXX of XXXX. I have the original copy of my XXXX credit report if it is needed to confirm my dispute
This is concerning Equifax XXXX XXXX XXXX, and XXXX XXXX XXXX of a debt totaling {$1600.00}. I contacted XXXX XXXX XXXX and XXXX XXXX XXXX. I proved to them that I was and is a victim of Identity Theft. XXXX XXXX XXXX and XXXX XXXX XXXX validated the debt as mine, yet neither have provided any documentation legally linking me to the account. XXXX XXXX XXXX and XXXX XXXX XXXX seem to be unaware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', This complaint is also formal request that the bureaus ( EQ XXXX XXXX ) and XXXX provide the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( XXXX ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 168li ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I also request legal FCRA Validation of Debt What the money you say I owes is for ; SIGNATURE AND COPY OF ID FOR SAID DEBT Explain and show how you calculated what you say I owe ; Provide me with copies of any papers that show agreed to pay you XXXX XXXX what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account
Dear Bureau of Consumer Financial Protection, We made request to Experian for my Credit Report dated XXXX/XXXX/XXXX ... 
On XXXX/XXXX/XXXX, I received a request for proof of address and Government issue ID. 
I forwarded a copy of my Drivers License, Social Security Card, Utility Bill, Birth Certificate, more than what was required. 
XXXX XXXX, XXXX, I received a second request of the very same information Report Number XXXX ... 
This is highly irregular ... 
This report is very important to, for I 'm applying for a mortgage. 
Attached you will find the mailings with documents enclosed ... 
Thank you, XXXX XXXX
Dear Sir or Madam : Professional Account Management ( PAM ) has violated the terms of the FDCPA by continuing to collect disputed debts after requests for evidence were received. Furthermore, please see paragraph S on page 7 on the attached contract between the XXXX Department of Transportation and PAM. PAM expressly violated the terms of paragraph S when it failed to protect the confidentiality of all records and accounts issued by the Department when it forwarded sensitive, confidential information to the CFPB, the State of XXXX, the State of XXXX, the XXXX, and others. Pursuant to their contract, these unauthorized disclosures were strictly forbidden and placed petitioner at increased risk of identify theft.
I vigorously dispute the response and closure to my complaint CFPB case #  XXXX  submitted on   XXXX   My original complaint : I received a dispute summary report from  XXXX   XXXX  and I see  XXXX   XXXX  closed my home Equity loan account #  XXXX  on  XX/XX/XXXX  with a  XXXX  balance then opened a new loan Account #  XXXX  under a loan type of a '' line of credit '' on  XX/XX/XXXX  with a balance of {$27000.00}. I never agreed or have any knowledge of this new loan, payment terms, repayment obligations or its association to my once home equity mortgage account.      Wells Fargo  response : Thank you for the opportunity to address the concerns about closing any accounts opened without your consent and to rectify the credit reporting. We 've carefully researched this matter and are providing a response. Here are important account details we 'd like you to know. The next payment is due on   XXXX   XXXX   XXXX  . The account is in active foreclosure. We have confirmed that the account was opened with your consent and your credit is reporting accurately. We want  ed to speak with you directly but were unable to connect with you at the phone number ( s ) provided to us. We 've attached a copy of our response letter.
My dispute to Wells Fargo 's response : 1 ) What next payment? I have no information on this loan from Wells Fargo, no documentation, no payment notice, no account number info or return address?
2 ) Their is no " Active   Foreclosure '' as my home was foreclosed on in   XXXX   XXXX   XXXX   by  Wells Fargo  while I was going though their modification process? yet another false statement.     3 ) The erroneous account was absolutely not opened with my consent and therefore is not being reported accurately.
4 ) Wells di  d not try too hard to reach me as I called their POC  XXXX   XXXX  at the number provided  (   XXXX  ex  XXXX  ) within their canned    XXXX   XXXX   XXXX    letter to me in response to my complaint and left numerous messages and contact numbers?    5 )  If  Wells Fargo does not wish  to resolve this issues amicably then I will have no choice but to use this very loan that  Wells claims i 'm responsible for to reopen my once settled Pick-A-Payment law suit and use every means at my disposal to ensure Wells is held responsible for their wrong doings and support of predatory lending practices.
We had leased a XXXX XXXX and we returned it on XXXX XXXX, XXXX to the dealer as lease had ended. 
On XXXX XXXX, XXXX we received a letter from XXXX XXXX XXXX indicating that we owe {$210.00} in taxes for same car for the period of XXXX XXXX to XXXX XXXX. 
We contacted XXXX and explained that we returned the car previous year and that we should not owe any money. XXXX Said that they would investigate further and then 13 days later on XXXX XXXX, XXXX we received a letter from XXXX XXXX XXXX, a collection company, they said that we must show a return receipt from XXXX dealer for the car, which we did. we also sent a receipt from XXXX County indicating that they will credit the amount of {$210.00} to XXXX for the XXXX car taxes. We also received letter from XXXX County indicating that XXXX finance owe us {$51.00} for the car taxes from XXXX to XXXX XXXX. 
After repeated calls from XXXX the Supervisor told  us " Good luck " if you do n't pay. 
Attached all documents