WillisBack/dataset-financial-user-claim huggingface dataset:
My payment was do on XX/XX/2017 I had previously setup a payment to be collected on the XX/XX/XXXX in which I transferred the money from one account so I could pay on line or over the phone which I did at which time the following morning I noticed they pulled twice from my account causing XXXX insufficient cash charges on my account for XXXX 's furniture represented by Wells Fargo retail services who went on to with draw another payment on the XXXX of the same month after speaking with them they said theirs nothing they can do both my XXXX an also my teachers federal credit union accounts have been affected
I have repeatedly reported to all three credit bureaus that I have no knowledge of an account with TRANSWORLD SYSTEMS INC. All three bureaus keep coming back saying the account is accurate and verified but they dont send me any information showing how or what was used to verify the information or any information validating the validity of this account and that its owed my me or that its even my account. I dont know who TRANSWORLD SYSTEMS INC is Ive never heard of them, have no knowledge of owing them. And nothing has been produced to show why this negative account should be reporting on my credit bureau reports
I 've had an account with Coinbase for many years. I have been fully verified for a long time with an account withdraw limit of {$100000.00} per week. Suddenly, on XXXX XXXX, I was no longer able to transfer from my cash balance to my bank. Specifically the error message says " Before you are able to complete this withdraw, you must provide additional information ''. Coinbase already has my passport, DL, SS, address, phone number, linked bank account, etc. and my account is fully verified. I tried reloading my Passport and then my DL. Even though I 'm fully verified, Coinbase 's automated system is requiring additional information, yet rejecting all the additional information I submit. I 've written daily since XXXX XXXX and somehow managed to get 2 different case numbers ( XXXX & XXXX ). Despite my 12 messages directly to Coinbase 's customer support, I 've gotten no reply. I also reached out to Coinbase via XXXX with 4 more messages several days ago. As did my wife with 2 more messages 2 days ago. There 's been no reply. 

I would like to be able to withdraw my money.
I paid for the purchase and balance of {$15.00} in XXXX XXXX. 

XXXX XXXX, XXXX did NOT credit my payment and charged late fee of {$29.00} I called and was told PAYMENT would be credited to account and late fee waived. 

I continued to receive statements showing more LATE FEES of {$39.00}, {$39.00}, {$39.00}, {$40.00}, and {$41.00} until the balance is at {$280.00}. 

XXXX 's charged off and sent debt to collection agency ARS. 

I have faxed to XXXX 's on XXXX XXXX, XXXX and emailed to ARS on XXXX/XXXX/XXXX but have not received any response.
I am filing a complaint regarding Reverse Mortgage Solutions, based out of XXXX, Texas. As the executor of my Mother 's estate I requested a payoff amount on XXXX XXXX, 2016 so we could close on the property on XXXX XXXX 2016. We have received no payoff information despite being told it usually takes XXXX to 10 business days. I have called many times in the past few days and have received no information on the timeline to receive the payoff. I have even been told I can not speak to the payoff department. Obviously our buyers are becoming concerned and now we are in danger of not being able to sell. All I want is for them to give me the amount we owe to close the property.
XXXX XXXX COMPANY or ENHANCED RECOVERY CORPORATION depends which credit reporting agency you look at, is putting a collection from XXXX on my reports. I have never had an account with XXXX ever and I 'd like these removed. I have disputed with the credit agencies ( XXXX and XXXX ) and to no avail. I have disputed a XXXX time and I still have yet to hear back. When I call the collection company they answer and hang up. I 'm convinced this is fraud and I 'm not the only person saying this. A google search of any of the company names shows others complaining about accounts that they have never owned. I just want this removed from my account and this company shut down. They 're illegally trying to collect debt that I do not owe.
I'm not an expert on this, but I was shocked when I reviewed my credit report and found late payment on the date shown below : XX/XX/XXXX/XX/XX/2018 - 30 days marked late! 

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. And to reconfirmed I actually went to local branch and asked exactly how much i owed and they mentioned that I was all caught up. I honestly dissatisfied right now with bank of america consider i have a stellar relationship with them and I would like to continue as well.
In mid XXXX I received a letter from XXXX XXXX, a company I admit I owe money to, informing me the debt was transferred to XXXX XXXX XXXX XXXX XXXX XXXX. XXXX has never contacted me directly. On XX/XX/2018 I received a letter from XXXX XXXX informing me they were acting as debt collectors for XXXX XXXX and I had 30 days to respond. The next day, a Friday, after XXXX, I received a call from a representative of XXXX XXXX wanting to know how soon I planned to resolve the issue. I told him about the letter I got only the day before and I planned on using my 30 days. 

At the point a supervisor jumped on the call and informed me he was retracting the 30 days, this needed to be resolved by the end of XXXX. I said I could not agree to this, told him the payment terms I might agree to, he said it wasnt good enough and he started to yell at me and belittle me. I said the conversation was over and his response was the conversation was over when he said it was over. I hung up and blocked the number they called from. 

On Monday I called the offices for XXXX XXXX and spoke to someone I was told is a manager. I told him my story but at first all he was interested in discussing was payment terms. He backed off when I informed him I did some research and know his company has been repeatedly reported for abusive behavior. He then asked me not file a report. However, this will never be resolved to my satisfaction if I let it sit.
Experian continues to list " XXXX XXXX '' on my credit file. The XXXX account I had was closed with XXXX Military XXXX and they continued to charge me after the fact. The account was turned to collections and XXXX will not respond to my phone calls regarding this account. Thus, it must be deleted from my credit because the original creditor does not own the account.
My mother passed in XXXX XXXX unexpectedly in a XXXX accident. My stepfather was driving when the rear tire blew. XXXX suffered XXXX from not wearing helmets. My mother had a mortgage note as a married woman sole and separate property. XXXX XXXX payment was done online XXXX XXXX, XXXX and posted to the account XXXX XXXX, XXXX. XXXX XXXX, XXXX the executor of their estate resigned. XXXX XXXX personal rep app. was approved. Foreclosure attorney filed default, demanding payment, late fees, interest ( etc. ) be paid from XXXX XXXX, XXXX to XXXX XXXX. Probate was opened by my first attorney approm. XXXX who filed a wrongful death suit. Probate was finished with my second attorney, whom I retained XXXX XXXX. I had informed my attorney ofWhile waiting for application approval and letters of testimary to be issued, she began dialog with the foreclosure attorney 's office with requests of reinstatement and payoff quotes.Foreclosure attorney 's used many delay tactics while pursing foreclosure and reached appoint of a special master and sale date set. She was able to get the sale cancelled and reinstatement was established. I did inform my attorney of pmt made in XXXX. Since that time the Foreclosure attorney 's office has been sued for unfair business practices no longer representing the mortgage company. XXXX to present several defaults have been filed, reinstatement established. The last being resolved XXXX. However this current reinstatement quote began date XXXX. Knowing for fact XXXX was paid on time Learning the note does not fall into default until after the XXXX of the month I wrote the mortgage company requesting corrections to the account be made numerical listing them XXXX and account should be corrected to show listing them XXXX. Attaching documents of proof and dated contact log with names, brief detail and outcome most often including the time. Additionally offering but not including recorded conversations with their representatives. I requested notification of any fees for these requests or services before being charged. In their response they stated after their review they did not find any errors. Denied my request to waive late fees.Each monthly statement prior and since includes a late or past due fee but when I review the information online account states this fee is a number of different things.
To Whom It Made Concern, This issue is concerning, ( CMS ) " Carrington Mortgage Services. '' In the beginning of XX/XX/2017, I requested that the FHA mortgage insurance premium ( MIP ) to be removed from my monthly payment due qualifying for its removal under Federal Guidelines. CMS responded to my written request on XX/XX/2017, with approval to my request. Although in their correspondence, they stated the payment would be adjusted accordingly, I feel the adjustment is rather-tardy and with XX/XX/2017 payment approaching ( 2 ) two months over due. My property taxes and property insurance premium are unchanged so I feel this issue should be expedited and not delayed. I only receive ( 15 ) fifteen days grace before {$94.00} dollars is added to my monthly mortgage payment, so a short grace should be exercised also. Further, I refuse to have the extra {$180.00} dollars added to the required Escrow Account for the disbursement ( taxes/insurance ) unless I 'm going to receive an agreed upon documented interest rate on the extra funds ; which will not happen. ( CMS ) please expedite the adjustment of my monthly mortgage payment from {$2300.00}. Lastly, I attempted to contact ( CMS ) Customer Services several times via XXXX only to receive PRE-RECORED VOICEMAIL which stated sorry busy right now call back later. Hopefully, ( CMS ) can rectify these issues sooner then later promoting a better working relationship with consumer base. Documents submitted for perusal.
On XXXX XXXX, XXXX I made a payment of {$7200.00} to my Capital One XXXX XXXX card. The payment was deducted from my bank account on XXXX/XXXX/XXXX. When I went online to review the status of my Capital One credit card the available balance was around {$150.00} although I see the payment posted in my credit card transactions. I then checked my bank account again to make sure I was not missing something. At this point I planned to call Capital One to see if my credit limit was significantly and if so for what reason. When I called Capital One on XXXX/XXXX/XXXX they told me my credit limit of {$8900.00} was still in place and the payment was placed on HOLD because of the amount. I asked why was n't I notified of this HOLD, they replied they do not have procedures/requirements in place to notify a customer when they place a payment on hold. I then asked why an electronic payment placed on HOLD especially when Capital One had already received the payment as it had cleared my bank account. I have screen shots of all these dates and payments if CFPB would like visual details on the payment activity to confirm/validate my comments.
A few weeks ago I was shopping for a car. Over the course of 2 weeks, I must have submitted anywhere from 30 to 40 applications for credit.
The inquiries showed up immediately on my reports, but now, it looks like all my scores have gone down 30 or more points. I 'm not sure if this correlates with the closing of a secured card I had with XXXX XXXX ( the only one I had ) or if this is a result of the inquiries.
If it is a result of the inquiries, I am confused. Those were back to back in efforts for me to shop around for the best deal. I thought most scoring systems counted this kind of inquiries as just one.
Fair collections and Outsourcing is trying to collect on a debt not owed to them. On mine and my wife 's credit report is an account from them stating we owe {$600.00}. A letter was written to them asking to provide validity of proof of what is owed with our signatures and we never got a response, just letters offering a settlement for half the amount and an update to satified in full on our credit reports. The account we do not acknowledge.
My credit score dropped from XXXX last winter to XXXX. I did n't know what could have been the issue since I pay my bills on time each month. I ordered a credit report and learned that XXXX XXXX who issued a credit card to my XXXX year old unemployed son two years ago reported to TransUnion and XXXX that I was delinquent in paying a credit card bill. I never applied for a card from XXXX XXXX, my son applied without my knowledge. My son was not employed on a regular basis when he received the credit card. He could n't find a full time job and has now returned to school to get a XXXX degree to try and find employment in his proposed career. He has been unable to pay off the {$1000.00} debt he incurred as a result of his unemployment status. XXXX XXXX sent offers to my home address regarding paying off the outstanding balance at a reduced amount. I suggested that he authorize me to negotiate on his behalf since I did n't want him to impair his credit which could negatively impact his job prospects. I had no knowledge that by doing so the bank would add me as a borrower and report the delinquency on my credit report XXXX. I called on his behalf and was unable to negotiate anything since the bank insisted the debt be paid off within XXXX months. I told them he could repay it within a year after completing an unpaid internship that is to hopefully lead to a paid job. I knew he did n't have the financial means to pay off the debt currently. I told the bank official I did n't want to pay off his debt since it would n't teach him a financial lesson. My refusal to pay off debt my son incurred on a credit card he should not have been issued resulted in XXXX XXXX reporting the delinquency as mine. I have spent years maintaining excellent credit and pay my bills on time and in full each month. The actions XXXX XXXX took by reporting my adult son 's delinquency as mine is wrong. I would like this investigated and would like XXXX XXXX to withdraw the negative credit report.
Contacted Eastern Account System on multiple occasions, XX/XX/2018, XX/XX/2018 to understand where this debt was coming from. Insurance covered all costs and I copaid at hospital. I would like this debt immediately removed from my credit report because they can not find any paperwork to support my owning the debt.
I was hit by hurricane Irma in XX/XX/XXXX and never recovered and applied for a loan modification and sent in a complete package of 31 pages on XX/XX/XXXX before there was a sale date scheduled. As the review went on a sale date of XX/XX/XXXX was set. I was not worried because I had already submitted my documents and knew in the past Ocwen was very helpful in loss mitigation options. I was asked to send in more documents and sent in 13 pages on XX/XX/XXXX then they asked for more documents and I sent in 3 pages on XX/XX/XXXX.

All was still well because on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was being assured that once that package is complete the sale will be placed on hold so they could review my package for workout options.

On XX/XX/XXXX at XXXX XXXX I went to the escalations department and they confirmed my packaged was deemed " complete '' I breathed a sign of relief.

On XX/XX/XXXX I call in and it's a whole different story, they claim I still need another document which was not asked for before and ignore the " complete package '' determination I had the day before.

On top of that they claim since I was less than 7 business days from a sale date they were not going to review me anymore?

I escalated it to the Ombudsman department who is trying to resolve it now especially since I was deemed to have a complete package on XX/XX/XXXX at XXXX XXXX and assured my multiple agents the days prior that the sale would be stopped once I reached that designation.
I had an economic hardship starting in XXXX of XXXX and ended in XXXX XXXX. I requested in XXXX XXXX an economic hardship deferment from the loan servicer Edfinancial for the months of XXXX XXXX XXXX. This economic hardship deferment was granted and the approval letter stated that the account would be considered current for those months of the deferment. There were XXXX late payments during that deferred period in XXXX and XXXX of XXXX. The approval letter additionally stated however that the derogatory payments would n't be corrected on the payment history even though my account was to be considered current during the deferment time. Talking to the lender 's representatives did n't help. At first, they stated that since I stated on the deferment request that I was n't on public assistance ( the answer to this was yes and no. I was on public assistance in XXXX and XXXX XXXX but was n't from XXXX to XXXX XXXX so I answered no ) but when in a later conversation with another rep pointing out that I was on public assistance, that representative stated that because I filed the deferment request in XXXX and was n't on public assistance at the time I filed the deferment request, they could n't correct my payment history on my student loans. The rep also erroneously claimed that the payment history reported at the time was true and could n't be changed. This is a violation of the Fair Credit Reporting Act in that they are reporting incorrect payment history to the bureaus since the creditor themselves have said they consider the account to be current during the deferment period, thus the payment history should reflect that. I have filed a complaint with the XXXX XXXX XXXX XXXX XXXX upon referral from XXXX
On XX/XX/2018 I used my American Express Serve card to issue a check payment for {$1300.00} for the payment of my nephew 's rent. American Express Serve then stated via their website that the payment would be mailed out on XX/XX/18 and that the payment was guaranteed to arrive on XX/XX/18. On XX/XX/18 I received a phone call from my nephew 's landlord and she stated that the rent check was not received as of XX/XX/18 and since then I have spoken with her two additional times and as of XX/XX/18, no payment had been received by her. On XX/XX/18 I called American Express served I requested they place a stop-payment on the rent check and issue a credit to my Serve account. They initially stated on XX/XX/18 that my account would be credit on XX/XX/18, on the XX/XX/XXXX I called American Express Serve to tell them my account was not credited, they then said I would be credited in 10 Business days or up to 45 days. Every time I call they tell me a different estimate of when I will receive my money back, even though the check they mailed out has never been received or cashed.
On XX/XX/XXXX, I purchased XXXX LTC from Coinbase (worth $XXXX USD at that time). My savings account did not fulfill the purchase, even though I explicitly authorized it, but the LTC was delivered to my wallet by Coinbase.Since XX/XX/XXXX, Coinbase has notified me of an "Issue with Recent Buys" that requires me to reimburse them for the $XXXX USD that never cleared. I am willing to do this, and repeatedly have tried, but either nothing happens (when I attempt to pay via bank account or credit card) or receive an error message that reads "There was an error processing the payment, please choose another method"  (when I attempt to reimburse the $XXXX via LTC).This means that, since XX/XX/XXXX, my money and digital currency has been locked in the account. I cannot trade, withdraw, deposit or otherwise transact with the platform. I have called customer support 5 times and spent over 6 hours on hold, as well as submitted an email ticket, each to no avail. I need this resolved *immediately* due to the volatility of cryptocurrencies.
My name is spelled incorrectly several times and there are old & incorrect addresses on my credit report that need to come off. 

Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX, NJ 07732-XXXX XXXX, NJ XXXX XXXX XXXX, NJ XXXX XXXX XXXX, NJ XXXX XXXX XXXX, NJ XXXX XXXX XXXX, NJ XXXX Incorrect SS # XXXX
OnXX/XX/XXXX an overdraft item fee of {$35.00} was processed stemming from a pending XXXX transaction in the amount of {$6.00} made on XXXX XXXX. In that same week on XX/XX/XXXX an XXXX XXXX XXXX withdrawal in the amount of {$10.00} was processed causing a second overdraft item fee of {$35.00} I called the customer service to see what resolution could be offered in the event the account had insufficient for the bank to refuse payment and reversal of the overdraft fees and was told neither could be done. Later in the week I went to the bank and asked why the bank could not deny transactions, I also pointed out that the alerts that I requested for transactions that bring the balance of the account under {$25.00} were coming after the account overdrafted and the fee was processed. I was told there was nothing they could do, but I could also try alerts for all transactions. This resolution has also proven to be ineffective in the most recent transaction on the account. 

Most recently on XX/XX/XXXX, an XXXX XXXX XXXX withdrawal was debited in the amount of {$10.00} and on the same day the overdraft item fee was processed.
I was contacted on XX/XX/18 by a company called XXXX XXXX XXXX. They had left a message saying that I needed to give them a call immediately because they were in the process of serving me Court papers and would be showing up to my home and work to do so. Immediately after they left that message, they also called several members of my family and advised them that they were looking for me because they were in the process of serving me Court papers. I called them back as was advised that I was being sued for an old bank account that I had closed, and that account had a balance due. I have not had that account with the Bank that they referenced for over 10 years, I have not been contacted by that Bank, nor has there ever been anything on my credit report referencing such a collection. I let them know that I was unaware of the debt, the lady that I spoke with said that unless I paid I would be served the Court papers in the next two business days. I asked them to provide me with proof that I owed this money and that they were authorized to collect on this debt. They emailed me a very short letter which has no address or contact person 's name. The letter came from a generic email address. I have been contacted almost everyday since and they are continuing to contact family members ( telling them that I am being sued ) This is very upsetting to me that I, and especially my family members are receiving these harassing calls ... .. for a debt that I don't have.
Equifax has refused to properly investigate  XXXX  ( a collection company ) that has erroneously ( with malice ) reported the same debt, twice, as a new collection item. The double-reporting of this collection item is fraudulent. This company has also refused to submit documentation showing date of first delinquency.
My mortgage company, Sunwest Mortgage, is repeatedly calling my mother and my ex mother-in-law and leaving messages for me, by name, asking me to call Sunwest mortgage. I have never put the phone numbers they are calling repeatedly on my account. In fact, I just recently updated my phone number with Sunwest mortgage in XXXX so they do have a correct phone number for me. I can not imagine that this is legal? This is embarrassing and frustrating.