WillisBack/dataset-financial-user-claim huggingface dataset:
With dateXX/XX/XXXX, I made a payment of {$120.00} for cell charges. Numbers XXXX, XXXX and XXXX in store # XXXX of the XXXX of XXXX ( see Receipt # 1 ) On XXXX, I went in store # XXXX of XXXX to transfer the Cell number XXXX and XXXX for XXXX XXXX XXXX , explaining to Sale Rep. that the line XXXX was not going away to use any more. 

The day XXXX, 16 days after I made the change of the numbers to XXXX XXXX XXXX, I went again in the Store # XXXX of XXXX and made a payment of {$110.00} ( See Receipt # 2 ) I received a notification from XXXX that Cell line XXXX was delinquent and had to pay a penalty, so I went to Store # XXXX again on XXXX making a payment of {$100.00} for this line that did not it had not been used or had charged minutes ( See Receipt # 3 ). Again I told the XXXX Representative that that line was not in use, he replied that I need to call at XXXX. I made the call and talk to the Representative named XXXX XXXX # XXXX canceling the completed cell ending XXXX. 

After having made all the payments explained, I am notified by XXXX  Credit Alert that I had reports on my credit for delinquint. ( Potentially negative information has been posted to your Credit Report ) .I suppose this was the reason for the denial of credits to which it applies. This did not stop and they kept on sending collection notification to the credit bureaus and phone calls to me, by this Agency : A.- AMSHER COLLECTION SVCS XXXX XXXX XXXX XXXX XXXX XXXX , AL XXXX PH : XXXX and the last report was on XX/XX/. 

I was several times in XXXX XXXX and I made phone calls to the offices of XXXX to complete this problem and they continue with this abuse harassment since XX/XX/XXXX. 

I consider myself a citizen complying with the laws and with a record of good moral behavior in the 33 years I have been living in the country, with a good credit record that they are affecting. 

For this reason I demand that my credit be repaired by XXXX and those agencies and leave this abuse of harassment. 

Thank you Note : Attached a 3 XXXX receipt cc.
My cardmembership with American Express entitles me to access the XXXX. XXXX in turn gives me free shipping when I make purchases through their network of retailers. My most recent purchase, which I made using XXXX mobile application on my XXXX was completely botched. I ordered XXXX items, but only XXXX was communicated to their affiliated retailer for fulfillment. I should have received free shipping, but did not. The CFPB needs to know that American Express is doing business with partners that create issues for consumers.
I received a letter in the mail from XXXX XXXX stating that they regret to inform me that my credit score with XXXX XXXX is too low for me to be approved for a purchase of a new vehicle. I know for a fact that my XXXX, XXXX, and XXXX  scores are well within the correct range to finance a vehicle. The credit score from XXXX was a XXXX!! There is absolutely no way that any of the information that they have for me is correct since the letter stated that i have limited history for consumer at a address, too few active accounts, and too few bankcard accounts. This company then asks me to send in the following information to receive any form of services from them in regards to my credit report. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- " 1. Submit a written request by secured fax at ( XXXX ) XXXX, or by mail to : XXXX , XXXX   Consumer Office, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX ; or 2. Call us at ( XXXX ) XXXX. 

Note that requesting your XXXX credit score will not hurt or otherwise impact your XXXX credit score. 

If you submit a written request by fax or mail, please provide the following information : Your first name, middle name, last name, suffix ( if applicable ) Your current address including ZIP code Your current phone number with area code Your Social Security number Your date of birth ( month, day, and year ) For security purposes, we must verify your identity. Therefore, please include the following with your written request : A legible copy of your current drivers license or other current government-issued identification card showing your current address and date of birth. 

If your drivers license or other government-issued identification card is not current or if it does not show your current mailing address, then a legible copy of a document from Category 2 listed below is also required. 
If you do not have a drivers license or other government-issued identification card, then a legible copy of a document from Category 1 and Category 2 listed below are required. 
Category 1 Social Security card U.S. passport picture page Alien registration card Military identification card ( front and back ) Category 2 Recent cable, utility or telephone statement with your name and current mailing address Bank statement with current address Rental lease agreement showing current address Voided personal check with your preprinted current address Notarized letter from your landlord confirming your current name and residential address Mortgage statement with the current address The address on the ID or other document must match the address provided in your request. 

Your request will be processed within five ( 5 ) business days after receipt and your credit score will be sent by USPS first-class mail. 

If you would like to request a copy of your XXXX consumer report, please click Consumer Report for instructions. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The information that they are asking for is very private in regards to sending via Snail Mail which concerns me as well.
XXXX XXXX has not corrected the issue they acknowledged and pledged to correct in a previous complaint. Per the XXXX Representative from the attached document for complaint number XXXX : " We indicated that we submitted a request instructing the credit bureaus to reflect this account as Closed ; {$0.00} balance ; Was 30 days late. Once this update is reflected, your credit reporting should no longer show as currently 30 days past due ; however, this update can take 30-60 days from the date it was submitted. We reached out to our Credit Bureau Department and verified the update was submitted to all credit bureaus as of XX/XX/XXXX. We sincerely apologize for the amount of time it has taken and any frustration or inconvenience this process may have caused you. '' On XX/XX/XXXX ( over 2 weeks past the 60 days indicated in the XXXX XXXX response ) I pulled a tri-credit bureau from XXXX yet again at a personal cost of {$30.00}. The negative attribute XXXX had committed to fix by XX/XX/XXXX remained on my report. I tried unsuccessfully, several times, calling the person who in the XXXX response wrote " If you have additional questions, please call me directly at.. '', leaving voice mails with absolutely no response whatsoever from XXXX XXXX . I thought I would give it a bit more time, and yesterday called the XXXX customer service to see if there was a change before I spend another {$30.00} on a credit pull. Unsurprisingly, the customer service rep could find no record of a correction being sent in from XXXX XXXX. 

At this point, unless XXXX is mistaken, it appears XXXX XXXX is knowingly reporting false information on my credit report.
On or about     X/XX/2016    , I calle d PennyMac Loan Service, r egarding my statement, it showed I had a Credit Balance, ( This was for   XX/X/16  Pay ment ) After being on Hold fo r 15  minutes, she said NO on    XX/XX/XXXX    Payment and just mak e  XX/X/16  p ayment. I said are you sure, she said  YES.      So I mad e  XX/X/16  on time, NOW after 6 months I get a letter in the mail stating I am Delinquent. WHY?      I have had  XXXX  loans with  PennyMac, N EVER had any issues until now.     I am on  XXXX  and I can not afford to make  2 p ayments, I only get {$1200.00} from  XXXX .
On XX/XX/XXXX I applied for a new XXXX XXXX BUSINESS visa card. I was approved. Later that month customer specialist XXXX XXXX blocked my card citing " verification purposes ''. 

Since XX/XX/XXXX XXXX XXXX asked for multiple pieces of information from me -- social security card, driver license, business license. All information was sent as requested. The account wasn't reopened and was closed on XX/XX/XXXX citing " violation of cardholder agreement '' however, there was no violation. 

I submitted a complain via CFPB about improper actions by XXXX XXXX requesting account to be reopened. The response was that I needed additional piece of information ( my social security card ) which I faxed again. The account wasn't reopened and customer representative couldn't cite the reason for it. The answer is same " unverified information '' however the bank can't say what information is needed. 

The bank refuses to honor cardholder agreement and refuses to explain their actions.
We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XX/XX/XXXX-XX/XX/XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who are involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out financially, mentally, emotionally physically continuously.
the lender has neglected to postpone sale during the review process of loss mitigation - the lender deemed the package complete on XX/XX/2017 - sale date is set for XX/XX/2017 Please suspend all foreclosure activity during the review period in accordance with Section 12 C.F.R. 1024.41 ( g ).
I have a upromise XXXX issued by Barclay 's bank. They have locked me out of the account and will not provide statements or information to manage the debt. They are demanding documents I do not have to prove my identity. I have made payments by blindly sending them to the payments address hoping not to be late.
I called the company Account Resoultion Services several times and was hung up on when I asked for their registration number to collect in Florida. I am very aware of my laws and rights for a collection agency to collect a debate in Florida they MUST be registered to collect in Florida and be registered with Florida office of financial regulation.
Garnishment Shows 3 different accounts for the same garnishment with the same court case No. XXXX Writ of garnishment : Doc ID : XXXX shows paid {$4100.00} Doc ID : XXXX Shows paid {$2700.00} Doc ID : XXXX Shows paid {$120.00} same court case NO. XXXX on all 3 lien numbers. 

XXXX XXXX XXXX stated by letter he was not doing the case and it was sent over to Qualey law Group as stated by XXXX XXXX that the correction has been done and also stated by reply back from CFPB that its been updated in the courts and there has been no proof or court updates as I call the courts for updated information. there is also different amounts and not the correct amount showing for garnishment case XXXX I have a print out from XXXX showing XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  {$120.00} for a total been paid of {$7100.00} There was error on XXXX XXXX XXXX has court credit giving for {$3000.00} in which the print out from XXXX XXXX XXXX shows {$3000.00} in which there was an error of {$43.00} was in error by XXXX XXXX XXXX There need to be correct amounts and not showing by XXXX XXXX as if I just started paying.
Last year or so I received a collection account on my credit by ARS Account Resolution in the amount of {$430.00} without notification and in which I have no knowledge of. I disputed the account and it was removed from my credit report. This past XXXX the account was placed on my credit report again without warning/notification. I have not received any type of communication from this company regarding this debt before the account was placed on my credit report. <P/>I tried to have the company to validate the debt in which to this day I have not received any type of correspondence. I 'm receiving notifications that the debt was removed from my report only to be added back shortly after.
BB+T forced placed flood insurance on my mortgage which added over 60 % to the cost of my mortgage. I have since provided BB+T with proof that i did indeed have flood insurance and they have claimed at first they had received it, then afterwards claimed they did not have said proof. I have read online all about the banks receiving kickbacks from the insurance companys for retroactively buying insanely expensive insurance with zero risk to the insurance company or bank. Which brings me to the math, BB+T wants me to pay them over {$1600.00} a month for my mortgage which was just {$1000.00} a few months ago. The craziest part is that the flood insurance only cost me {$300.00} dollars to buy myself for the entire year. Thats {$25.00} dollars a month for me to purchase it myself, the bank wants over {$600.00} a month for the forced placed flood insurance. BB+T wants over {$7200.00} a year versus my {$300.00} a year flood policy. My house is not worth {$1600.00} a month, nor is my flood insurance worth over 7 grand a year. I honestly dont know what i will do, it would be cheaper at this point to take BB+T to court or at the very least sell the house. I cant afford to keep paying the bank this much money. I 'd just end up having to let the house fall into foreclosure if nothing happens which will most likely kill my XXXX in the military. Please, i really need someone 's help to get BB+T to take this insanely expensive forced placed flood insurance off my mortgage. I cant believe we live in a world where a bank can mark up something like flood insurance 24 times and expect the customer to just deal with it. I can honestly say the if i 'm ever able to purchase a house again any bank that has such shady business practices will not hold my mortgage.
Our loan was transferred from XXXX XXXX to Flagstar Bank in XX/XX/2018. I called the bank to see where we needed to send our payments. The representative I spoke with told me that we had a 60 day grace period during which we didnt have to make our payments because there would be no late fee or penalties. I asked multiple times if XXXX and XXXX payments would be due when it came XXXX and he assured me they wouldnt. He also assured me that we wouldnt be penalized for those payments later on, none of that information was correct. We are now two payments behind and have been trying to play check up ever since. This all couldve been avoided if we had been given correct information to begin with. Weve had our mortgage for three years with no issues at all but weve literally had problems nonstop since the day our loan was transferred. Im beyond fed up. We are now charged a fee monthly on our bank accounts at XXXX since our mortgage isnt with them anymore which isnt fair at all because we had no say in this transfer. " Consumers should not be collateral damage in the mortgage servicing transfer process, '' said Consumer Financial Protection Bureau Director XXXX XXXX. Well we definitely feel like collateral damage to say the least.
I sent this company a letter via certified mail last XX/XX/XXXX, 2017, to request VERIFICATION / VALIDATION of an account they are reporting under my name and I have not received any response from them yet. I clearly stated in my letter that they provide me copies of documents show my CORRECT and ACCURATE personal information, copies of documents showing that they were assigned this alleged debt to be collected to make sure that they have the right to collect this alleged debt, documents showing my signature etc. I got nothing from this company. Even though CFPB had already fined them according to this link : https : //www.consumerfinance.gov/XXXX this company still continues they unlawful ways.
During a period between XX/XX/XXXX-XX/XX/XXXX I was required to visit the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. At the time I was without any form of insurance, and applied for and was approved for what was then termed " XXXX XXXX '' which was sponsored and paid directly by XXXX for uninsured, low-income patients. However, the application was apparently mishandled and the information never properly submitted, so I now have multiple negative credit items reflected on my credit reports ( for several visits, but all covered by the submitted XXXX application at the time ) Due to the manner in which billing is done at the medical center, these negative items are being reflected as different credit items from several departments, and none of them acknowledge or notate the approved XXXX XXXX assistance by XXXX. The items listed and in need of removal include the following : XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX REC $ XXXXMy credit score is at least XXXX points lower than it should otherwise be as a result of the failure/refusal of XXXX and the credit bureau 's to remove the items covered by my XXXX insurance.
Transunion reporting credit report incorrect XXXX, false, wrong in 2014 i placed a fraud alert someone was using my information to get credit .today a copy of Transunion credit report enclose shows misleading information and violation under FCRA , FDCPA rules. Transunion is the only company still trying to report this case. 8 months of dispute they still do not report in dispute, date of last payment, claims sold in collection but name not listed, XXXX XXXX XXXX XXXX  XXXX, Section XXXX also FCRA 623 and FDCPA 806 { b } states that the creditor must enter a notice of dispute { no Stated } if this is not entered the account can not report on the account, XXXX   XXXX sect XXXX states you can not report a 3rd party collection legally regardless if the account was sold to, given, traded, anything it is against the law to report it there is an investigation FTC on DSRM this case is against you transunion
In XX/XX/XXXX, an indirect deposit was made from a XXXX XXXX in XXXX. I called PNC to let them know what happened and I was told that PNC was going to enter notes in the system and call the branch to let them know about the error. The problem continued to happen. And I kept calling every Monday like if it was my new routine. I received the same scripted message that they would call the branch. Long story short, the deposits stopped in XX/XX/XXXX. On XX/XX/XXXX PNC withdrew all the deposits from my account. {$1200.00}. I received no notification from PNC. So I called the bank and they said that they sent me a notification through the mail. When I asked them when it was sent, they said today. Which doesn't help me. So I was in the hole for {$1200.00}. My direct deposit reached my account and PNC took it. So my new balance was still in the negative. PNC corporate tried to remove some of the fees, but the fees continued to accumulate. What bothers me is that I'm paying for PNC 's ERROR! They advised me to do a cash advance from my PNC credit card to pay the debt. At this point I was furious and frustrated I just wanted to close my account, so I did do the cash advance. I went to a PNC branch in XXXX, IL. and they stated that in order to close my account I would need to be in " XXXX '' balance.So I did empty it out. And now PNC is racking up all kinds off fee 's on me. I'm super done with this. I'm trying to close my account. I owe nothing on the accounts. Please help! 

I have heard nothing but horror stories with PNC when people attempt to close their accounts.
On XX/XX/XXXX, my wife and I sent an investigation request to Equifax. We wanted them to investigate erroneous information that appeared on our credit file. My wife received her investigation results in a timely manner. However, more than 45 days have passed, but I have yet to receive my results. Our investigation requests were made simultaneously, so there is no explanation for why my response is delayed.
My home loan recently began being serviced by Ditech earlier this year. I had a loan modification about 3 years ago and everything has been fine. I 've been making timely payments. Then about 3 months ago, after Ditech took over my loan, the deferred balance on my statements changed and it has not changed for 3 years. I called and spoke with multiple people at Ditech who did not know where the amount came from. So they told me to put in a written request. I did and only received a letter stating that deferred interest was added, but no information on where the deferred interest came from or how they calculated it. It was only a XXXX page letter stating that Ditech did n't do anything fraudulent. So I called Ditech, referenced the letter, and still no one was able to tell me where the deferred interest came from, even after speaking with a supervisor who said that he would escalate my inquiry so I would n't have to put in another written request and wait 30 days. On XXXX/XXXX/16, I received a letter dated XXXX/XXXX/16 from Ditech stating that I needed to put in another written request and wait 30 days. I do n't see why i need to put in a second written request when they never fully answered my first request to provide details regarding the amount.
I would like to submit a complaint against ( Louisiana Recovery Services )  regarding unknown medical account ( s ) ( XXXX ) ( {$140.00} ) and ( XXXX ) ( {$140.00} ) reporting on my credit files. I mailed ( Louisiana Recovery Services ) a  certified, registered and tracked letter via the United Stated Postal Services on  XX/XX/XXXX requesting validation of the account ( s ) ( Louisiana Recovery Services ) was reporting on my credit report ( s ). ( Louisiana Recovery Services ) has not  responded to my letter requesting debt validation. Therefore, I contacted the original creditors listed on my credit report ( s ) that ( Louisiana Recovery Services ) claimed to be collecting for. The original creditor ( s ) I spoke with stated I did not have any outstanding account ( s ) /debt ( s ) and that XXXX had paid all account ( s ) /bills. Additionally, the original creditors stated the account ( s ) I was inquiring about were well over six to seven years old. Which means the account ( s ) ( Louisiana Recovery Services ) were attempting to collect are also time-barred and obsolete for collections and/or reporting per the Fair Debt Collections Practices Act and the Fair Credit Reporting Act. Upon learning this, I contacted the XXXX office to find out how to file a complaint of fraud against ( Louisiana Recovery Services ) for  attempting to defraud me a senior citizen and XXXX. ( Louisiana Recovery Services ) have violated several state laws, FDCPA and FCRA.

These erroneous entries by ( Louisiana Recovery Services ) are detrimental to my overall credit rating and has caused me severe financial and emotional distress and anxiety, which are exacerbating and aggravating my current medical issues. I will pursue the enforcements of my constitutional rights via all legal remedies available.
My personal financial information was compromised during the security breach of millions of people 's information at Equifax in XXXX 2017.
I tried to lease a vehicle at my local XXXX dealership. I specifically told them that I wanted to run my credit with XXXX financing and no one else. A month or so later I find that Capital one shows as an inquiry that I did n't authorize. I spoke with XXXX, no answer. I spoke with Capital one auto financing and was told to submit a letter. I got a respond from XXXX XXXX stating that I did authorize, but I was n't provided the original application or proof of authorization.