WillisBack/dataset-financial-user-claim huggingface dataset:
I received a bill from Meridian Financial services for a timeshare owned by my ex-wife and I. In the divorce decree It states we are both responsible for half of the fees until it can be deeded back. The bill was for {$1000.00} and was received on XX/XX/18 and XX/XX/18, I paid my half, {$500.00} on XX/XX/18 after consulting with my attorney and included a copy of the divorce papers as proof along with a letter stating our business is concluded. I also stated that the other half of the debt is my ex-wifes responsibility and to contact her to get it, all by mail. 
On XX/XX/18 I get an email notification from my credit reporting agency that a debt with the high balance of {$720.00} was listed on my credit report and {$500.00} balance left over by Meridian Financial services. That's a difference of XXXX. Not only is Meridian wrong on the amount I owed they are also wrong in the amount I've paid them. 
It's interesting to me that the amount I supposedly owe equals the other half of the total debt.
XXXX is refusing to investigate and remove incorrect information on my credit file. 


1. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX The account status should be pays as agreed. 

2. The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please delete this account or provide validation information. 

3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX
SENTRY CREDIT INC is reporting a credit collection that I do not owe. I have never signed a contract or any thing with them. I do not know this company.
Attached to this complaint is documentation for review. I am a victim of identity theft. The following accounts, collection account and credit inquiries are fraudulent, unauthorized and arent mine : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Card, XXXX XXXX, XXXX XXXX  XXXX. I filed a police report with the XXXX County Sheriffs Office for the fraudulent accounts and credit inquiries listed on my XXXX, Experian and XXXX XXXX credit report. The police report case number is : XXXX.
On XXXX XXXX, 2015 I contact Navy Federal Credit Union not being able to complete or add a biller for payment. The Customer Respresentative told me that only way me to add new biller I must have desk top computer. I explain to the Customer Representative that I do not have desktop and I only could access my account via IPAD and IPhone. Why is that account access does allow you access you account and setup bill payment on other device then desktop. Because I 'm unable to pay my bills this process should available thru various tech equipment.
I transferred {$500.00} to my Citizens Bank checking account on or about XXXX/XXXX/16. When I withdrew {$200.00} on XXXX/XXXX/16, the balance reflected at the ATM machine was {$440.00}. 
One day later, my balance reflected - {$53.00}, and a {$35.00} fee was assessed as an overdraft charge. 
When I messaged Citizens Bank online, " XXXX XXXX '' informed me that the {$500.00} did not show up in my account until XXXX/XXXX/16, and that the {$35.00} fee would not be waived. However, as I checked my account balance at the ATM ( Citizens Bank 's own ATM machine! ) and it was over {$600.00}, I do not believe a {$35.00} fee should have been assessed. I am happy to file a XXXX or any other complaint as needed to achieve this refund, as the fee assessed was clearly fraudulent.
I have disputed XXXX accounts that SYNBC has been reporting to the credit bureaus and SYNBC violated the law on both accounts as explained in attached letters. 

I am making a goodwill attempt to have this worked out without any monetary compensation. If SYNBC does n't take care of it in to my satisfaction in a timely manner i will sue them in small claims court near me and they will need to pay me for damages.
original loan amount = {$53000.00} payments made to date = {$38000.00} current balance as of today = {$61000.00} They keep increasing my interest rate, so I'm hardly paying any principal. Some of my loans have an interest rate of over 10 %. I'm never notified of these increases either. Not to mention I've never once received any information on the current payment plan I'm on. I was told I had fixed payments, but they increase my interest as an excuse to keep raising my payments while I have it set on auto-pay. 

Currently my loan payoff date is scheduled for XXXX and XXXX. 

Never expected that getting a degree was the worst mistake I've ever made in my entire life, and Ill be regretting it until the day I day, which will probably happen while I'm at work struggling to pay off my student loans.
I have sent two requests to Navient to remove my cosigner. They tell me that I have to show proof of graduation from college. I have repeatedly told them I am not returning to school, nor am I finishing my degree. They then tell me I have to have proof of my citizenship. I told them they can check my citizenship with my social security number. They say that my forms are n't signed or filled out properly, but they did not specify which copy. I have sent two requests almost three months apart. They also did not answer my first request which was sent via regular mail. They did not answer my second request until I emailed the advocate center and demanded an answer. I simply would like my cosigner removed. He is XXXX years old and I have paid twelve months of payments on time.
I am trying to close my XXXX credit account and I am being told it can't be done
on XX/XX/XXXX I was notified of water damage to my basement. I was out of town at the time. I notified XXXX the Insurance company. They Issued me a check made out to myself and US Bank Mortgage company. I was told I had to find a contractor for the work. the insurance company / adjuster could not recommend anyone. I was not told of any guidelines or conditions that had to be met by the contractor. This is the first time I've had to deal with an issue like this. I took the Check and contractors estimate to the Local US branch where the Manage called the loss draft department for steps how to process the check. He and I were told I would assign the check and he would nail it to them they would reissue a check to me. that was on XX/XX/2018. I naively expected a check the following week and had the contractor start work. a week later I get a packet requesting documents but no check. I had to pay the contractor XXXX dollars to start. I held off paying my mortgage to pay the contractor. now I'm behind I start getting threats of foreclosure in the mail. demands to start applying for loss mitigation. I hadvtas XXXX 2 weeks off work without pay and get hit with all of this so now I can only expect 25 % then another 25 % after the inspection. The loss draft department keeps delaying payment. claims they have not received documents I had faxed. coming back and requesting my signature on forms that did not ask for my signature. The contractor finished and I paid him the balance owed on XX/XX/2018. I faxed the loss draft department the receipt. I recieved a check in the mail for 25 % on XX/XX/2018 made out to me and the contractor. I called the loss draft dept. that day and aasked why they put the contractors name there when i sent them the paid in full receipt? they claim they did not get it. I took the receipts and check to the XXXX Ohio US Bank branch on XX/XX/XXXX and had the Manager, XXXX XXXX copy them put them in an overnight envelope to the loss draft department and heard him speak to XXXX XXXX in the resolutions department about all of the above.. I recieved received email notification they received it on XX/XX/XXXX. Today. XX/XX/XXXX I get a call from the loss draft department that my request to have the contractor removed from the check was denied because they show he is still owed money. so I ask what happened to the paid in full receipt? ahhh there it is. another 5 tov10 day delay. Us Bank sent their inspector on XX/XX/XXXX the work is 90 % completed. I had to submit approval to the insurance company to rreplace carpet. that is pending and all that needs done. I am broke out of pocket. They are threattending foreClosure if I dont have XX/XX/XXXXs paymdent paid by the XX/XX/XXXX. and they want to kee.g.p delay reimbursing my insurance payment.
i have sent over a police report, fraud identity report, along with my id and social security number and a copy of XXXX several times to XXXX, XXXXXXXX Experian. I have been a victim of identity theft and have taken all the available procedure available to me to get them to report accurate information on my credit file. I have never had a late payment in my life prior to the identity theft that started XXXX. They keep reporting XXXX credit cards in access of {$70000.00} in my name, XXXX XXXX {$9000.00} and to XXXX XXXX XXXX as late XX/XX/18, XX/XX/18. That is impossible because they automatically withdraw from my checking out since the first payment for the lease. Please have them make sure they only report ACCURATE Information.
Hello CFPB, I applied online and was approved for a {$1000.00} loan from Big Picture Loans formerly known as Castle Payday on XXXX/XXXX/2016. 

At the time of accepting this loan, I agreed to what I believed was a one-time finance charge of {$350.00} to be included to the amount borrowed. 

I 'm not looking to get out of a legitimate owed debt, and had no problem paying what I believed was a one-time fee, but now realize I have been scammed, and in fear of losing thousands of dollars to these people. 

This was a precipitous fee but I agreed. What I was n't aware of, nor was it disclosed at the time of accepting the loan was that they are charging an outrageous 849.0116 % associated finance charge, and furthermore was not able to view the " Truth in Lending disclosure '' until after the loan had been processed, and the funds deposited to my account. 

They have been bleeding my banking account for month 's now in the tune of {$700.00} per month and are stating that I still owe thousands plus late fees to satisfy this original {$1000.00} loan. {$8000.00} for a {$1000.00} loan, @ 850 % Really!! 

These people are predators, and should be held accountable, and possibly sued to the fullest extent for continuing to use malicious tactics, and unfair lending practices. 

Please help, Sincerely : XXXX XXXX
I am trying to close on my parents estate. I paid off the mortgage when my step father passed away, while my mother was still alive. Now the bank PNC is telling me I have to pay off a line of credit that was open back in XXXX. This loan was through National City Bank in Ohio. The debt was wrote off as bad credit by this bank in XXXX. PNC purchased this bank in XXXX and now is trying to get fund already wrote off " as bad debt ''. I have no documentation that this money was ever spent by my parents, nor do I have anything from any of the banks that they ever tried to come after the funds. The bank also can not supply me with any documents stating they tried to get these funds and or any statements.
In XX/XX/XXXX, I retrieved a copy of my credit report and noticed that Medical Data Systems had  reported negative information on all 3 of my bureau reports. I have never did any business nor signed a contract with this company. This company did not and to date has not sent me any type of correspondence, including a dunning letter to inform me that they were attempting to collect a debt. Hence, they negligently placed this account entry on my reports and I was not allowed to dispute the validity of this debt with them prior to its insertion on my reports. This is a blatant violation of my consumer rights. 

To that end, I sent Medical Data Systems a dispute letter that was certified with a return receipt. My receipt confirms that they received the letter on XX/XX/XXXX and it was signed by XXXX XXXX. The tracking for this letter is XXXX. To date, this company has not responded to my request for them to validate the account. I specifically requested the following information from them : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary Further, I would like to have a copy of the financial responsibility page that bears my signature with the provider of service to release my medical information. These entries reflected on all 3 bureaus are inaccurate, unverifiable and erroneous. Given the fact that this company opted to not respond in writing nor provide any documentation to support/substantiate what they were reporting, mandates that these entries be DELETED IMMEDIATELY FROM MY CREDIT REPORTS!
I was mislead by recruiters at XXXX XXXX. about the education I was going to recieve and the money I would make. I had instructors ( not professors ) who told all students to drop out and not continue and that the school was a scam. I did n't realize no one would hire me or take my degree from XXXX XXXX seriously. I was charged alot of money for no education. I did not realize so much money was being stolen from me. The recruiter was a tricky salesman who I believe charged me far more than typical because he knew I was just desperate to go to school and find a good job. I never found that job. Now the school is out of business and I never got to finish. I have all of these charges on my credit report destroying my credit and any possible future I might have because of one horrible decision I made : trusting XXXX XXXX
this bill was mailed out prior to the due date, and was claimed to have never been received by Citi, I mailed all my payments on time with no other issues, mistake on their end and they were unwilling to assist.
I am trying to cancel my escrow account with my mortgage loan servicer OCWEN. All payments have remained current during the past 12 months. The underlying mortgage does not have a negative escrow balance or other outstanding delinquencies. There is not tax or insurance payment due within the next 45 days. There is no forced-placed insurance policy on the account and the underlying mortgage has not been modified within the last 12 months to include an escrow account. 

OCWEN is citing IL State Law 765 ILCS 910/5 ( Section five, paragraph 4905, Chapter 17 ). They state that this law requires that homeowners in the state of Illinois are required to maintain an escrow account until the LTV has been reduced to 65 % or lower. This law has no provisions on requirements of escrow accounts, in fact this law only states once a mortgage is reduced to 65 % of it's original balance the Mortgage Lender must notify borrower that their escrow account may be terminated or may elect to continue until a termination request is received or mortgage is paid in full, which ever occurs first. 

For your reference, this information was obtained from the following website : XXXX XXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXX XXXXXXXX I have not been told that an escrow accounts is required according to an investor requirement or federal law/rule. They keep citing this IL state law that says they are allowed to hold my escrow dollar hostage until the LTV reaches 65 % LTV. I  would like for the CFPB to research this issue with OCWEN servicing to ensure they are interpreting this IL statue incorrectly and holding onto escrow monies longer than are allowed under federal/state rules or laws. If this is happening on my account there can be thousands of others in the state of IL where their escrow dollars are being held hostage by OCWEN and that is not right.
Back in XXXX or XXXX of XXXX I called navient to try to get my payments lowered but the only option that I was given was forbearance, which would only tack on interest to loan. I felt that was only option because that was only one offered to me. I had done this consecutive times and was not given other options.i requested this same thing back in XXXX
My Name is XXXX XXXX XXXX XXXX XXXX XXXX Ma XXXX, this agencies have given out erroneous information.My creit rate for loand etc has risen due to their false data.. please investiage thes agencies under my name.I thank you..
XXXX  and Experian refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have " VERIFIED '' accounts with companies which is untrue. Bankruptcy is a public record I contacted the courts myself and was advised that they do not " REPORT/ VERIFY '' any public records for credit bureaus because the information that is on my credit report is invalid which is a violation of new public record law stating that if public record includes invalid information it must be removed.
my name and credit info was given to this company named Collection Professionals by a XXXX XXXX. I spoke with this company who refused to rectify this debt by way of giving it to the responsible party. i paid the XXXX dollars because i was threatened by this company that they would report it on my credit. This debt is not mine. They even put a XXXX, illinois address on my file which i never lived in XXXX, Illinois. I never agreed to this debt or signed my name to approve any services from a doctor or this company.
I want XXXX to release the illegitimate lien on my house. 
I want them to return the {$160000.00} I have overpaid for my house for money I already paid to someone else for properties I do not own. I refinanced a loan to PAY off the balance ( as in the LENDER pays it off and applies my principal payments not add more for giving me nothing ). not finish paying for it before another XXXX loan kicks in!!! 
I want SPS to find out EXACTLY which loans were actually PAID and which loan they are trying to illegally collect from me.
I called Trans Union Credit Bureau because I had problem with their dispute online site. They told me they had corrected the area several weeks ago. 
I tried again today and it was n't fixed. I could not use the online site. I called customer relations. They transferred me to specialied consumer service offline. They transferred me to online customer service. 
They gave me an error code # XXXX and transferred me back to the offline customer service to do identity verification and merge my accounts because O was told I had multiple accounts. 
I asked how could I have multiples they could not answer that. 
They suggest I dispute live on the telephone and I got disconnected or maybe the rep. hungup the telephone I do n't know.

I have duplicate accounts reporting information that 's not correct. 
I have accounts 7 years old that they wo n't remove, saying they are n't negative. I said the law say have removed. 
The issues is with XXXX and XXXX Credit Bureaus. All three reporting account information of same account in multiples. They are reporting incorrect balances. Reporting over the time for reporting.
I have tried to fix this problem before to no prevail. I stated that I have absolutely any knowledge of the following accounts. Only to be told by the credit agencies the accounts has been verified, but never given me any physical verification. I'm requesting that these accounts be blocked from my credit report, XXXX XXXX ( XXXX ), XXXX ( XXXX ), XXXX XXXX ( XXXX, XXXX XXXX ( XXXX ), medical audit
I purchased a XXXX ford Windstar from Americredit. Within a few months the transmission went out. I Made payment arrangements and explained it was in the shop having the transmission replaced. They showed up at my house and said they need the address of the shop. They assured me they just needed it on file. I had already paid over XXXX for the repair and had just made a payment. They went to the shop and repossessed it. I was not too far from paying it off since it was used. They auctioned it off. They added lots of fees so that I was unable to get it back before auction.
XXXX is reporting on behalf of Equifax , They are showing XXXX accounts open that should be closed through a discharged bankruptcy.Equifax says they have them showing closed but yet they show open through XXXX.
I have late payment entries on my credit report from Navient by the following events beyond my control : 1. I had a student loan held by XXXX - and I was actively enrolled in a direct debit payment. 

2. XXXX sold my student loan to the newly formed company Navient - but included an old address ( my parents ) with my account. 

3. Navient sent loan ownership and payments due notices to my old address - which sat unopened. 

4. My mother sent old mail to me, I became aware of the situation, and quickly paid my outstanding balance and set up a direct debit agreement. 

5. My account has been, and is currently in, perfect standing. Instead of reporting the single payment that was missed, Navient has reported on XXXX smaller loans - resulting in terrible credit. 

This is a completely inaccurate view of my credit, costing me thousands of dollars on my home loan. Navient has been immovable. I would so very much appreciate your help in resolving this issue.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX - XXXX MACYS XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Re : Unauthorized Credit Inquiry SSN # XXXX XX/XX/XXXX and XX/XX/XXXX Dear Macys, I recently received a copy of my XXXX credit report. The credit report showed a XXXX credit inquiry 's by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX XXXX XXXX
I have disputed several accounts on my credit report, all of which I beleive are fraudulent. I have asked for written proof, and not just a statement showing that I owe this money. I have not received any doucmentation. To add insult to injury my credit score keeps going lower and lower.

I filed a complaint with the CFPB regarding all these accounts and one was removed and closed, and the other two were stated as valid. Agian WITH NO PROOF! How do I get this corrected since I firmly state that I do not owe, and no one will provide written proof, but keep saying I owe. I need the CFBP to correct this issue!
This Complaint is against OCWEN, Loan Servicing, LLC for failure to foreclose on a residence property. 
I vacated the residence in Virginia in 2009. Originally, XXXX XXXX XXXX had the loan but then it was conveyed or sold to OCWEN, LLCDue to a divorce in 2009, I was required to pay {$2700.00} per month to my ex-wife. I could no longer pay my mortgage payment. For the past 6 years I have attempted to short-sale ( 3 times ), then for the past 3 years have attempted to utilize services related to Deed-In Leiu of Foreclosure to no avail. All theses liquidation attempts were made through Ocwen services. 
Impact to my life : I am a homeless veteran that can not obtain credit or use my VA home loan to re-start my life because OCWEN is showing that I have an active loan on my credit report. Bottom line : Ocwen will Not foreclose on property.