WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX has my account with a past due balance of XXXX and the account has been settled. The Credit union show my account closed and settled, but wo n't take the past due {$940.00} off the credit report. The balance should show zero, just as all my creditors show. Please help asap.
I had sold an item ( Snap-on XXXX Portable Gas Generator XXXX - XXXX ) to buyer : papooseman for which this buyer later opened a false item not received ( XXXX ) case on XXXX ( Case ID:XXXX ). The item had been delivered to the buyer as tracking clearly showed and shipping was purchased from XXXX, so XXXX did rule in my favor and release the hold on my PayPal funds ( see attached - Unique Transaction ID # XXXX ). Recently, when I was tallying my inventory and funds, there was a discrepancy of about {$480.00}. So, I rechecked all my transactions on PayPal. Shockingly, PayPal had reversed/refunded these funds to the buyer, even though XXXX had ruled in my favor. I then appealed to XXXX who said they find it in my favor and would ask PayPal to return the funds back to me. It has been more than two weeks and this matter has not been resolved. They are just transferring me from one department to another. They did not provide me any chance to provide a rebuttal. This is blatantly unfair. Please help me out.
my mother passed away and the mortgage company stopped accepting the mortgage payments and are trying to foreclose on the property and the property is deeded to me and the deed is filed and on record and are not willing to work with me as far as a loan modification or letting pay off the loan.
I have had this cell phone number for a year and continue to recieve multiple calls from many different numbers for whom I presume was the previous owner of this phone. Most are recordings, but the few humans with whom I 've spoken always say they will take my name off the list, but no luck.
I paid Capital One credit card services on XX/XX/2018. I have 2 credit cards with the company. I paid the payment through the on-line payment method. The payments went through but then my bank returned the payments which were {$100.00} to the card ending in XXXX and {$180.00} with the card ending in XXXX. I called my bank to verify my funds and they said it was an error on their part. I then called Capital One on XX/XX/2018 and made a phone payment with the representative. I had verified that I had enough in my account before I made this call. The representative took both payments over the phone. I then found out that he switched the payments and placed them on the wrong cards. Then, Capital One took out an additional {$100.00} when I did not authorize the payment once I called and had the phone payments already taken out. 

This made my bank account go haywire! Now it looks as if I had not made the payments. The funds were available and that is why I made sure that when I called that they were applied to my credit cards. When I called to see what was the problem the representative said she had to verify my account. I told her that I did not need to verify my account because it is the account that I have been using and it is a viable account. My card that ends in XXXX is now over the limit {$380.00} which is absolutely absurd!!! It is not my fault that Capital One took out too many payments that were not authorized! I am tired of going back and forth with Capital One. I am sure other customers have the constant problems that I have. I think that I will begin some sort of boycott with Capital One and their wayward practices!!!! Also in the near future, the representatives and supervisors need more training on how to approach someone that is upset about their account!!
I have been in my home since XXXX XXXX, faithfully paying my mortgage, did a refinance back in XXXX with XXXX XXXX, house value went up, doubling the worth of the home to {$200000.00} from its original of {$100000.00}. The mortgage industry crashed my home lost half its value. I have tried on at least 3 separate occasion to have the Mortgage service provider modify the loan to reflect the actual value, first attempt was in XXXX due a terrible car accident that had complications I knew I would be in trouble making payments. At that point XXXX XXXX XXXX ( XXXX ) had taken over my mortgage due to XXXX going belly up. XXXX drug out the process ( all documents attached ), giving me multiple redo 's for unsightly reasons, then finally said I qualified " in conversation '', sent me a XXXX letter saying " Let 's do one more round of paperwork, then 2 days later via another XXXX letter said sorry we sold your mortgage to Ocwen. Basically a 4-6 month process of delays to sell me off after all that work. I then tried with Ocwen, and they said sorry " Mortgage note owner ( which was XXXX ) do n't participate in HARP/HAMP '' or anything to help rectify the underwater situation. OK, that was harsh, they were rude, and either way, I got through my health crisis, caught up and then there 's NOW : I 'm still paying then XX/XX/XXXX I get a payment notice telling me they are doubling my mortgage. I call tell them I ca n't afford that, they ( Ocwen ) do same song and dance about " let 's see what we can do '' and then came back with the same " Sorry NOTE owner ( XXXX ) does not participate, and furthermore, you do n't qualify for any other assistance/consideration, as you are not behind '', and blah, blah, blah. Next they sent me the options of Deed In Lieu or Short Sale. I 've filed a complaint with the Attorney General 's Office, and was also instructed to file a complaint here. In summary, I have paid, missing the few months due to almost XXXX, over {$210000.00} over the past 14+ years, for them to take my home without reasonable negotiation. This is clearly ( to me ) unethical and un-American. What I want is to be recuperated correctly, have them fix the mortgage to rightly represent my actual value, and give me my credit for all these years of faithful payment as this is a mortgage, not rent. At this point, they have it so I owe over {$180000.00} on a home worth {$100.00}, and no credit of 14+ years of faithfully paying my mortgage. If they have it their way, I am out on the streets, credit destroyed for Foreclosure, Short Sale, or Deed In Lieu, and can not afford to purchase another home for some insane amount of time, for something as ridiculous as this. I will attach the documents showing some of the trail, and my most recent letter to the office of the president, and their response. I need you to champion this cause and get me justice as this is very wrong for multiple reasons. Thank you, and I look forward to your interaction.
I mailed a dispute to the company this summer to dispute a charge. I was mailed a letter on XXXX XXXX, 2017 asking that I call about my request. I have called numerous times about my dispute this time. Each time I have called. I have been told that the company. Has no record of the letter being sent. Or any record of a dispute ever being received. I recently found the letter that I was sent. As verification that it was received.
The account was deleted and replaced back onto my account. I requested per FCRA on XXXX an XXXX for Trans union to provide me with the actual documents they have on file to substantiate this charge-off. 
This account was initially deleted due to Identity theft by XXXX XXXX XXXX. I have requested that Trans Union once again permanently delete this account with a credit limit of {$600.00}
Wells Fargo  has  XXXX  accounts on my credit report with late payments and I am not sure how they are reporting late.      Wells Fargo Dealer Services -   XXXX  ( 30 days past due  XXXX ,  XXXX ,  XXXX  )  Wells Fargo   Dealer Services -   XXXX  ( 30 days past due  XXXX  )  Wells Fargo Dealer Services -   XXXX  ( 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX   ) The  only thing that I could of is that I did n't get my statement in time or that my payments were not applied on time. I could have sworn I made my payments on time.
To whom it may concern, On XX/XX/XXXX a company out of XXXX Illinois reported a collection/chargoff notice on my credit report for the amount of {$19000.00}, with a listed account number ending in XXXX. This debt is listed as originating in XXXX, 11 years ago. This is not a valid debt as I have never been responsible for this debt or its repayment. This is an attempt to sabotage my credit in order to intimidate me to pay back a debt that I have never signed for and am not responsible for. Please help me remove this fraudulent attempt to smear my credit. I am happy to answer any questions you may have and I appreciate any assistance you can provide me. 
This collection company is unable to provide any signed documentation that proves I am responsible for this debt as I never signed any type of agreement associated with it. 

Thank you, XXXX XXXX XXXX
On  XXXX   XXXX ,  XXXX  I entered into a  XXXX  month lease for a new  XXXX   XXXX   XXXX  with creditor  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . Note, that the contract did not assess a Disposition Fee upon return of the vehicle ( see attached contract ). The first lease payment of {$100.00} was due upon signing the lease ( see attached contract ). The subsequent  XXXX  lease payments were paid in one lump sum, totaling {$2400.00}, and was received by  XXXX  on  XXXX / XXXX / XXXX  ( see attached  XXXX  statement ). At the end of the lease the vehicle underwent a Lease Termination Inspection and there were no charges  assessed for ei ther Normal Wear & Use or Excess Wear & Use ( see attached inspection report ). The vehicle was returned to the dealership where it was purchased in  XXXX  of  XXXX . There was not a problem with this account until  XXXX   XXXX .  XXXX  fraudulently reported to the  XXXX  major crredit bureaus that I still owed a lease payment of {$100.00} in addition to a {$5.00} late charge thus totaling {$110.00}. I 've disputed this with the credit bureaus supplying them with the proof attached hereto but they have not removed this fraudulent charge because  XXXX  's electronic response to the credit bureaus is " this account is being reported correctly. '' On a recorded line with  XXXX  on  XXXX / XXXX / XXXX  a  XXXX  representative stated that the {$110.00} charge is NOT owed but still on my account because they have not yet received a " signed odometer statement from the dealership. '' Whether or not  XXXX  ever receives a signed odometer statement from the dealership, that has since changed ownership, does not give this creditor the authority to commit fraud against my credit history causing an unjust, significant decrease in my  credit score  due to thier fraudulence.
XXXX XXXX keeps calling my phone number even though I 'm not the person they are trying to contact and do n't know the person as well. I called them and tried to explain and they were very rude to me and told me they would do nothing about taking my number off the list. I asked to talk to a supervisor and was then hung up on. The number they call me from is XXXX. This happened on XXXX/XXXX/XXXX at around XXXX am Arizona time.
I HAVE ALREADY NOTIFIED DIVERSIFIED CONSULTANTS IN THE PAST TO CEASE AND DESIST ALL COLLECTION EFFORTS. THEY ARE TRYING TO COLLECT OVER A DEBT THAT I HAVE NO KNOWLEDGE OF AND ARE USING UNFAIR PRACTICES TO DO SO. I HAVE NO OBLIGATION TO THE DEBT AND DO NOT HAVE AN AGREEMENT WITH THEM OVER THE FRAUDULENT DEBT. I HAVE ALREADY SENT XXXX A NOTICE ATTACHED WITH A POLICE REPORT, AND HAVE ALREADY FILED A REPORT WITH THE FTC CONCERNING THIS MATTER IF EVERYTHING FAILS I WILL HAVE TO MOVE FURTHER WITH LITIGATION PROCEDURES.
Midland Funding, LLC is attem pting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money. And a bill from a purchased debt is not a Contract.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  or  XXXX   ) thi s action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports . Midland Funding, LLC are  in violation : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character.
Citicards refuses to delete unverified and inaccurate information on my credit report. I have disputed this account information as inaccurate with them several times, and they have come back to me and stated they were able to verify this debt. How is this possible?
Here is a clear case of unverified debt, and I urge you to remove this item before I am forced to take legal action.
Credit card companies are scammers targeting elders like myself that they perceive to be vulnerable -- those that are isolated, lonely, physically or mentally disabled, unfamiliar with handling their own finances.
Exploiting deceptive financial practices designed to confuse and pressure seniors in order to hustle them out of money.
FCRA requires that all creditors are supposed to validate information before this information is added to your credit file.
The truth of the matter is the credit companies dont review any documents let alone keep a copy of your credit application in their files.
Citicards never provided me with any documents validating this account.
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA.
I applied for a refinance of my XXXX XXXX Mortgage with Wells Fargo Mortgage. They insisted on holding over {$4000.00} in escrow to pay taxes current on the property even though they had evidence from XXXX XXXX that XXXX XXXX had paid the taxes from escrowed funds taken each month in the payment. They said they would hold the {$4000.00} until they had official confirmation of the payment of taxes from the county and adjusted the Closing Statement to reflect that they would not be sending the Taxes to the County for payment. Then, Contrary to what is in the Closing Statement, they sent the payment to the County and now they are attempting to get it back. The mortgage closed on XXXX XXXX and I still do n't have my $ XXXX+ back.
The company put the adverse information on my credit report. before contacting me. I call them to inform them of the issue. The supervisor refused to send me any information and said that the information on my report will stay until sprint contact them. I told them I am only dealing with sprint due to my dispute of the debt was with them and they would have known if they would have properly contacted me. They said they contacted me by phone but were not allowed to leave messages, in which that was the only way I woukd have known they called.
TX GUAR XXXX is reporting inaccurate information to the credit bureaus. I have XXXX accounts that are affecting my credit. The information is inaccurate and there is no documentation to show for it. I do not understand how they would claim my loans as charge offs when i consolidated them before they were out of my deferment time from being a student.
I have attempted to have the verbiage changed on the status of this account in question with the original creditor and Equifax. i have received a letter from the original creditor stating that the status would be changed. Instead of changing the status of the account Equifax just added another status, which in no way fixes the issue. The original account status stated, claim filed with government. This was suppose to be changed to transfer to other office/default. Equifax just added this comment to the status instead of changing it. Now it states, claim filed with government and transferred/sold. All that Equifax needs to do is remove the verbiage, claim filed with the government. Please help! This verbiage on my credit report is making it impossible to qualify for a mortgage. The mortgage broker advised me that this statement could mean I have a judgement lien against me, and this by no means is the case. Again, please help me get this corrected. I will attach files of the original creditors letter, and the updated account on Equifax.
Received letter from IRS proposing changes to our 2014 form XXXX because reported cancellation of debt form XXXX from Credit Acceptance Corporation which created a tax bill with penalties and interest. We never received a XXXX from this company. The only dealing we had with this financial institution was over 20 years ago and do n't have a valid debt with the company.
I have disputed this with Equifax XXXX times now and they are not correcting the information. There is an account with XXXX that is showing 120 days past due - Paid in full. How can it be paid but past due at the same time? Its not 120 days past due. I 've explained it to them several times - over the phone and in writing and they will not correct it. The person I spoke to on the phone even said it does n't make sense, but they would have to re-send it electronically to XXXX which is what they said they did the previous XXXX times. This is effecting my credit score. I do n't know what else to do. They ca n't by law report erroneous information and their investigation process is horrible. There is no way I should have to dispute the same information XXXX separate times for almost a year with nothing being done. Please help. Can I sue them? They are responsible for reporting correct information and Equifax does not seem to take that responsibility seriously.
After noticing a medical collection debt that I did not recognize reporting to the credit bureaus, I disputed it through equifax on XXXX XXXX, 2016. On XXXX XXXX, 2016 it was returned as verified. On XXXX XXXX, 2016 I mailed a Texas Debt Validation letter requesting proper verification of the debt under the Texas Finance Code. I have not received any type of response verifying the validity of this debt, however Financial Control continues to report this debt to the credit bureaus blemishing my credit history. I have pasted the contents of the letter below : Financial Control Services XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX/XXXX/2016 via XXXX mail Re : # : XXXX To Whom It May Concern : I dispute the validity of and request verification/validation of this debt per Texas Finance Code. This letter is not to serve as acknowledgement of the debt, rather a request for further information. 

For the purpose of validation, please provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. XXXX ( a ) ( XXXX ) Texas XXXX bond information as required by Sec. XXXX Furthermore, I request immediate notification by mail if this alleged debt is sold or transferred per Sec. XXXX ( a ) ( XXXX ) Please reply with your response via XXXX Mail. 

Sec. XXXX. CIVIL REMEDIES. ( a ) A person may sue for : XXXX XXXX XXXX injunctive relief to prevent or restrain a violation of this chapter ; and XXXX XXXX XXXX actual damages sustained as a result of a violation of this chapter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
I have been working on several things listed on my credit file that report as duplicates and are past the statue of limitations. XXXX  and Experian keep reporting several student loans twice under different companies. There are a total of 9 student loans reporting with XXXX XXXX that should have been removed because they were transferred to XXXX XXXX XXXX XXXX. Both companies report the same exact information and XXXX XXXX no longer have the accounts. The delinquency months are the same, same open dates everything is the same. They are the same exact accounts however looking at the report they appear to be an extra 9 negative files. When a mortgage company transfers the servicing they remove the initial company and report the account with the servicing company the same with any other company for that matter. If you sign up with someone and they don't hold the loans they don't have the information because the new company has all information.
I have sent two disputes to Equifax, most recent one being XX/XX/2018, regarding inaccurate name and address appearing on my credit report. I have never lived at that address nor gone by that name. I have been told that since name is attached to tradelines it can not be removed. I have contacted these tradelines and they do not have the name associated with my account so I have exhausted all avenues in regards to getting inaccurate name and address removed. The address and name does not belong to me. I have even provided a copy of my drivers license for verification and they still refuse to remove the inaccurate information. Just because it " appears '' on tradelines does not make it accurate. Below are the items that do not belong to me that they continue to report illegally : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, IN XXXX
Choice Recovery never disclosed fees that were added to my total balance when making my payment. The fees of {$35.00} was never disclosed that I was paying it. Choice Recovery took money from my payment and never added all the money I paid to decrease my balance. 

When contacting Choice Recovery I was told the fee was not suppose to show on my credit report, nor am I requires to pay the fee. The fee was almost 50 % of my total balance. This is a very deceptive practice as I had no knowledge of a fee I paid.
What in the world is happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
I have been continually harassed by Great Lakes since XXXX XXXX. At first I was being harassed on the phone ( a business phone ) during business hours which I had requested not happen, regarding a loan repayment plan and then about in-school deferment. Calls needed to be for emergencies only. After several phone conversations, my number was finally removed from the system so that I would not receive harassing phone calls during business hours. Now, I get threatening emails because I do n't have a phone number on file. There does not seem to be a solution. I do n't have a personal phone number because it truly is n't affordable or a priority, I have internet and that covers everything I need.