WillisBack/dataset-financial-user-claim huggingface dataset:
I received a notice from a collection agency ( Vengroff Williams ) and am contacting you because I do not owe this debt. This was settled with XXXX back in XX/XX/XXXX. I picked up the trailer in XXXX for a XXXX way trip to XXXX. When I went to turn the trailer in at the XXXX location, the place was closed. I then called the XXXX number and was told just to drop it off. They would take care of it on their next business day. XXXX charged my credit card and then refunded the amount after I called them explaining what happened. I called the collection agency when I received the first notice. Today ( XX/XX/XXXX ) I received a XXXX notice for VW. I did submit a dispute to XXXX today as well. Also, I do not have any paperwork from XXXX on this because it is from XX/XX/XXXX.
I never received any notification regarding a medical bill that I do n't remember not paying. I would like to get a copy of this bill showing my name and date of appointment. I also would like to know the reason this bill was send to collection without my knowledge.
I am concerned about the validity and accuracy of the recent investigation done by Equifax..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. CFPB, please delete the accounts UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX
XXXX, 2017 was the date of signing the bankruptcy. The amount of the charge-off was {$620.00}. I have asked the credit card company to change the statues from a charge-off on the account with the credit card ; but they refused to change it on my credit report from last year. I have several payment statement receipts showing that I have made payments unto the account was paid in full. I had put the account through a bankruptcy ; but then I had the bankruptcy dismissed by asking the judge to cancel the bankruptcy completely.
WELLS FARGO BANK, XXXX XXXX, MD IS ISSUING LINE OF CREDIT CARDS BASED ON FALSE APPLICANT INFO, WHICH IS THE ACTUAL ADDRESS OF THE PERSON WHO THE ACCT BELONGS TO. WHEN. IT WAS EXPLAINED TO WELLS FARGO THAT THIS PERSON DID NO LIVE AT THE STATED ADDRESS THEY HAVE IN THEIR DATABASE, AND THAT NO STATEMENTS OR BILLS OF ANY TYPE WOULD EVER BE DELUVERED HERE, AND THAT THE PERSON WHO COMITTED THE FRAUD KNOWINGLY GAVE A FALSE ADDRESS ON A RECENT 30-60 DAY ACCT, IN ORDER TO SWINDLE WELLS FARGO BY RUNNING UP THE CREDIT LINE AND THEN HAVING ALL THE MAIL RETURNED ONCE THE CREDIT LINE WAS MAX OUT. THE BANK REP, DID NOT SEEM A BIT ALARMED NOR DO SOME AT WELKS FARGO, SUPERVISORS WHO WILL NOT FWD THIS TO THE FRAUD DIV FOR SOME STRANGE REASON. THE BANK IN QUESTION, WHEN TOLD OF THIS AND INFORMED THAT THE FBI WOULD B3 NOTIFIED BECAUSE OF PREVIOUS DOJ CASES IN WHICH THEY WERE FOUND GUILTY OF IN THIS EXACT AREA. HE HUNG UP AND NOW NO ONE AT THIS BRANCH ARE ANSWERING PHOMES
This is a   XXXX   complaint regarding  Specialized Loan Services ,  XXXX   XXXX   XXXX   XXXX .  XXXX  complaint was regarding the doubling of taxes/insurance in escrow. In that complaint I determined they owed me {$1400.00}. They sent a check to me for {$1200.00} which was {$240.00} short of what they owed back. This was for over payment on mortgage due to the duplication of taxes/insurance they were escrowing for the year. I then received a letter from them dated  XXXX   XXXX  that stated the monthly payment stated on the  XXXX  statement  XXXX  {$1400.00}  XXXX  is the correct monthly payment amount. They then closed the complaint without confirming with me this was resolved. I place phone calls back to them but never was able to speak to the correct person or someone that could address the complaint that has not been resolved. At this point, I was going to live with the fact they shorted me the {$240.00} in what they owed me just to be done with dealing with their ineptness and my busy work schedule prohibits the time to spend an hours on the phone trying to get the right person who could fix. This took  XXXX   XXXX  months to what I thought resolved the issue even though it was not completely resolved. I then get a new statement for  XXXX  monthly payment that says amount due is {$2900.00} and regular monthly payment that again states it is {$1400.00}. This is right back where we started with the first complaint!!! I paid the normal {$1100.00} for  XXXX  that I have been paying all along. My  XXXX  statement comes and it says my regular monthly is {$1200.00} and that I am passed due and owe a total of {$1500.00}! I called and spoke on the phone to a representative on  XXXX   XXXX  around  XXXX  pm after calls the past  XXXX  days during my work hours. Again after many minutes of waiting and voice prompts I speak to a representative who tells me that there needs to be some " buffer '' hold to pay for taxes/insurance of around {$500.00}. I told them you guys just sent me a check back ( {$1200.00}  XXXX  so why did you do this if you needed to " hold '' money? They representative just repeated her claim of the amount owed and I told her I would be sending the regular monthly of {$1100.00} and that I will be filing a   XXXX   complaint regarding their inept loan processing/payment procedures and the harassing phone calls. It is nearly impossible to figure out what is owed each month because of the changing statements. I will make the {$1100.00} a month payments until this issue is resolved to my satisfaction.
There is an address from XXXX or some where else that is not mine that I have never lived at before!
I did a credit report check through Experian, and it's lists an XXXX XXXX XXXX account that I've never used but states a balance of {$14000.00}. I have never used this account. I believe it is fraud.
During the month of XX/XX/2018 I have been working on my credit. One card reposted that I spent XXXX bucks on my credit card and my credit report plummeted down by 20 pts then on TransUnion I have a decrease in my personal loan you guys have me set at a decrease 30 pts I dont how you are operating as I am trying to go up your are brining me down I think that way to low to bring some one down too can you please review the system and adjust my report accordingly
I have an account with  XXXX   XXXX  and I recently checked my credit scores with in the last few weeks and noticed my Equifax score dropped over a  XXXX  points with no explanation.
I co-signed XXXX loans through XXXX XXXX ( now Navient ) for my son, who is still in college. All XXXX loans are in deferral I was told I needed to pay interest on XXXX loan, which I have done. Two weeks ago, after numerous calls from Navient, I was told I was four months behind in payments and that I was responsible for paying on XXXX of the loans. I have made arrangements to take care of this. When I asked about credit reporting I was told if it is a problem, to write a letter and explain that I had been told to pay on XXXX loan and they would see what they could do. I have found Navient to be an entity that gives a different answer in each conversation, not correct what they say they will the first time and harass with incessant phone calls during work hour until XXXX XXXX everyday, including Sundays.Now I am concerned about my credit score because of their inefficiency. They have also harassed my son in the same way. Please help.
After reviewing my credit report, this company has reported to all credit bureaus that this account has been charged off as bad debt. Before any erroneous reporting was done, I had a payment plan established ; pay balance in full before XX/XX/2018, and everything will remain in good status. I paid this account in full, and also verified with the company. They never added my payments towards balance owed, and this was paid in full way before XX/XX/2018. I sent multiple letters to the credit bureaus requesting that the credit agency send me information on how this account was verified ( which they said was ). Nothing was sent to me and this is still on my credit report. They have not complied with the Fair Credit Reporting Act.
I got a payday loan of {$100.00} in mid XXXX from XXXX XXXX I tried to tell them I lost my job due to some XXXX XXXX problems. And I am trying to get the money to pay it back. But need more time they said it is okay then the next day I got a call from the saying if I dont pay it back I will have a warrant for my arrest and will be picked up by the police the next day which has been a day already and no police. Then after that they had someone call and left a voice mail on my phone saying they where calling from a district general attorney office in XXXX so I looked up the person name and that person does not have a office in XXXX they have a office in another state and when I try to call that number back it says it is a non working number.
I have a loan with SANTANDER CONSUMER USA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SANTANDER CONSUMER USA with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
XX/XX/XXXXCFPB : Due to the hacking of the XXXX XXXX XXXX XXXX XXXX at XXXXXX/XX/XXXX and subsequently, I want JPMChase to use the Highest Credit Score that it has calculated for me, rather than any Middle Score, for my recent,XX/XX/XXXX Mortgage Loan Pre-Qualification.
XX/XX/XXXX, I applied for JPMChase Mortgage Refinancing for my JPMChase ARM Loan XXXX, for which my JPMChase-calculated Credit Score was about XXXX 
XX/XX/XXXX JPMChase represented to my Homeowner 's Insurer, XXXX, that it had Closed on my Refinancing Package for my JPMChase ARM Loan XXXX on XXXX XXXX XXXX XXXX IL XXXX  seven ( 7 ) days BEFORE my scheduled XX/XX/XXXX XXXX XXXX, Closing at XXXX XXXX.
XX/XX/XXXX JPMChase 's Appraiser conducted a Walk-Through Appraisal. He entered his determinations into his laptop computer and said that his Appraisal was for {$260000.00}. He then transmitted his computer 's information to JPMChase. That day, JPMChase represented to my Homeowner 's InsurerXXXX XXXX, that it had Closed on my Refinancing Package. XXXX sent me Revised Declarations for my Homeowner 's Policy XXXX, with JPMChase as Primary Beneficiary, for my {$120000.00} First Mortgage, and as Secondary Beneficiary, for my {$50000.00} HELOC ( Application # XXXX ) Second Mortgage. I received the Revised Declarations, via First Class Mail, by XX/XX/XXXX XXXX would not have sent them merely upon the Refinancing Package Approval, but, only after the Closing, that is, after my Refinancing Package had been legally FINALIZED.
XX/XX/XXXX, JPMChase Mortgage Specialist XXXX XXXX XXXX e-mailed me a reminder of the Scheduled Closing at XXXX XXXX the following day, XX/XX/XXXX, XXXX XXXX I arrived there by XXXX XXXX XX/XX/XXXXI continue to assert my federal civil right to review my HUD-1 for my XX/XX/XXXXRefinancing Application.
I want JPMChase to use the Highest Credit Score that it has calculated for me, for my recent,XX/XX/XXXX Mortgage Loan Pre-Qualification.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
I would like to see the documents showing chain of title for this loan from XXXX to Real Time Resolutions. Real Time Resolutions reported it to XXXX in XX/XX/XXXX. When I disputed it, it was immediately removed.I am still investigating this loan that I havent heard anything on for many, many years until a strange phone call back in XX/XX/XXXX. A man from this company called and told me I owed {$27000.00} and if I gave him {$3000.00} in two days, I will be paid off. When XXXX took over my mortgage in XXXX, I was told by them, I no longer owe XXXX anything. I never received any bills either.
Two weeks ago my accounts with Coinbase were locked for some unknown reason. Since then I have attempted to reset my password to access my account and have been unable to do so because Coinbase does not recognize my IP address and after contacting their customer support I have received no response except for an initial email telling me to reset my password, which I can not do as stated above. Coinbase now has blocked my accounts and stopped communicating with me. They are holding approximately $ 16K of my money in Bitcoins.
i have written to XXXX XXXX XXXX many times and they are stating that what they are reporting to bureaus is incorrect i even have received letters from them, but when i fax or upload or even mail the same document to experian, they do not update their end. XXXX and XXXX have already updated through their end but experian has not and does not. therefore i decided to make a complaint to you in order to get results, please have this issue resolved, i would greatly appreciated. thank you
I 'm a single woman previously married. Spent three months attempting to locate a suitable home before the market pulled further away from me in higher asking price.. Finding a lender who understands FHA guidelines turns out to be an unachievable challenge. Now getting through underwriting is a life of pure XXXX. This is caused directly by the mortgage broker loan officers lack of experience, receiving documentation, saying they will review it then no follow up. I have had documentation sent to them via email three and four times before they have acknowledged receipt. The common sense approach that no file should be submitted to underwriting with a question that has n't been answered was not used. The loan officer and underwriter has asked for documentation that violates my ex-husbands right to privacy and has nothing to do with my loan approval. Because of this unprofessional process by both the mortgage broker and underwriter our interest rate commitment has now expired and the seller is faced with major problems because of legal circumstances. The processor would make contact and request information that as already communicated to the loan officer or was already provided, I guess they did n't feel the left hand should know what the right hand is doing or should be aware of.. I find it hard to believe that with XXXX of the largest investments a person makes is in their home and the inept person we have to depend on has no continuing educational requirements, and no state examination that is required. Please correct me if I 'm incorrect.
I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX  have reversed them but TransUnion 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 XXXXXXXX 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.
About 1 year ago I froze my credit with all three beureus. I now Tried to temporarily lift The credit freeze with equifax so that XXXX XXXX XXXX could check my credit to start a new account with them. Equifax employees now say that they can not find my file, despite me providing all requested information ( freeze pin, ssn, address, etc ) Thanks, XXXX XXXX XXXX
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX   VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT
On XXXX XXXX,2017 I wired XXXX to XXXX XXXX destination Texas with a fee of XXXX. Realizing it was fraud and a scram I reached out to Money Gram to cancel and refund my Transaction but they stated it has already been picked up and there was nothing they do. I wanted my hard earned money returned back to me and for them to flag it as fraud. Can you please assist me with this in justice.
my credit card account is not being updated properly. what happens is every time that I make a purchase the purchase amount is noted as a pending transaction but the balance usually reflects the purchase amount before it actual post to the account.
I paid off this balance with this doctors office nearly 5 years ago. After paying off the whole balance, this item didn't appear on my CR for 4 YEARS?!?!?!. Since it appeared, I have been trying to get this removed. I did dispute this item with both XXXX and XXXX. They determined that the collection company 'American Collection Systems could NOT PROVIDE ANY PROOF THAT THIS DEBT WAS OWED by the individual ( me ) ' so they both removed it after they investigated.

Unfortunately i am STILL unable to get this removed from my XXXX   Credit Report for some reason even after disputing it multiple times with them. This fraudulent item is lowering my credit score by at least 75 points with XXXX.

The debt collections company wants me to prove I paid it off but, again, I paid it off 5 years ago and no longer have any records of those payments.

The entire bill was nearly three thousand dollars and it was paid in full in 2013. There is no logical reason why would I pay 90 % of the bill but not the rest. Also, why did no one attempt to collect on this debt for FOUR YEARS if I actually owed this?

I have asked this company ( at least 4 times now ) for ACTUAL proof that I owe this debt and all they provided was the doctors name and information. I need PROOF of the debt ( e.g. original bill amounts owed, all payments made, running balances, etc. ) otherwise I can't prove I paid it off and 'Amer Coll Sys ' can't prove I owe it either.

I researched this and, in California, where I live, the burden of proof is on the debt collection company to prove that this money is owed, not on the customer to PROVE it was paid. They are attempting to collect on FRAUDULENT debt but they refuse to take any responsibility about correcting their records.

I have attempted to resolve this with the Collection co. directly multiple times and with XXXX multiple times as well to no avail.

I want this fraudulent item removed from my XXXX credit report and for this collection company to never bother me again.

I PAY ALL MY BILLS on time, but I'm not a fool, and i don't pay debts that i don't owe or that I already paid.

Please get them to stop harassing me or get me REAL PROOF.
I have a loan with NAVY FEDERAL CR UNION. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both ( Bureau ) and NAVY FEDERAL CR UNION with no successful resolution. ( Bureau ) was the only one / were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Today I got an email saying that {$30.00} was debited from my bank account using my debit card by a company Called Choice Recovery in XXXX, Ohio. The email said it was for a purchase. I never gave them permission to take that money and I looked at my credit report and they are not even on it as a debt I owe. I have no idea why they took my money. I want my money back. I have no idea what this is about.
In 2012, I filed for bankruptcy. Do to a hardship, I applied for a loan modification on my home with Wells Fargo Bank. After months of repeated document exchanges and getting them notorized, I was given a 3 month trial payment plan. During initial application of loan, I submitted a letter with information from the XXXX Bankruptcy court stating that the courts were not interested in home loans between the lender and borrower. Only if payments were increased. The modification was approved and after making the first modified monthly payment, the modification was withdrawn because of no court approval. 
The attorney on my case verified the courts position.
On XX/XX/2018 I noticed a Collection had appeared on my credit report. It was opened by Diversified Consultnts. To which they said I owed them {$410.00}. I never did any business with them so I confused as to why they were trying to collect money from me to which I did not owe. I looked through and see that the original creditor is XXXX which confused me more as I still have a active account with XXXX and was never told about this debt or sent any bills for. Upon finding out this information I gave XXXX a call and was told it was from a closed account to which I was told I owed nothing towards after paying my final bill. This collection has destroyed my credit and ruined me from going forward to get a home loan for myself and my family.
I received a pay day loan from Ohio Acceptance that according to Ohio law exceeded the max amount of a pay day loan and the fees and payments became excessive. And now they are taking me to court.
I scheduled a payment of {$1600.00} to be delivered on XX/XX/2018, however, it has not been received by the apartment office up to now. All information I entered including the address is correct. As a result, I was billed a late fee of 5 % of the payment. I contacted Ally bank on XX/XX/XXXX since they should honor the " DELIVERY DATE '' selected on their website and reimburse the late fee due to their service failure, however, it was denied.
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX  XXXX XXXX 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.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''