WillisBack/dataset-financial-user-claim huggingface dataset:
Please know that I was not late on XXXX XXXX XXXX.. I wonder why XXXX, XXXX and Transunion report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
I HAVE ASKED TO HAVE MY NAME REMOVED OFF THE ACCT AND CREDIT REPORTS. WHY DO I STILL SEE IT ON MY CREDIT REPORT?? 

ACCT # XXXX XXXX XXXX SS # XXXX XX/XX/XXXX
I have been receiving at least 10 phone calls a day from XXXX XXXX at XXXX for the past month and a half. I have had to block them and they still keep attempting to get through. I also have written to HSBC numerous times to advise that they contact me via correspondence. They keep telling me that I have to call XXXX. I keep telling them to address me via email or written correspondence and that I do not answer telephone calls, please stop. We are going in circles and the telephone keeps ringing and has become intolerable
" 60 Days Late '' reported in XX/XX/XXXX on my Credit Report is incorrect. 

After Hurricane Irma that passed through XXXX Florida in XX/XX/XXXX, banks were offering homeowners " Federally Declared Disaster Forbearance '' on their mortgages and Ocwen Loan Servicing, LLC was included. Upon my request, Ocwen deferred my mortgage payments for XXXX, XXXX, and XX/XX/XXXX, until XX/XX/XXXX. As requested by Ocwen, I started making my mortgage payments on XX/XX/XXXX and continued monthly until present. During the interim, in XX/XX/XXXX, Ocwen instructed me to complete a request for a loan modification which wasn't approved until XX/XX/XXXX. However, I did not like the terms of the modification so I declined to sign it. On XX/XX/XXXX an Ocwen 's relationship manager then requested full payment of the outstanding balance of {$7100.00} which was the deferred monthly payments for XXXX, XXXX and XX/XX/XXXX. I felt that Ocwen demanded the 3-months "  deferred '' payment in full due to my declination to sign their modification agreement. On XX/XX/XXXX I paid the {$7100.00} to Ocwen bringing my mortgage account current. 
After requesting and reviewing my credit report, I saw that Ocwen had negatively reported false data to the Credit Bureaus. Based on the Forbearance Agreement approved by Ocwen, those three months " deferred '' payments should not have been reported as late payments. That Forbearance Agreement should still stand whether or not I accepted their Loan Modification.
the XXXX sold me a car later they do n't want to financial more for this reason they took a car and report y my credit report involuntary repossession but contradictory they report no missed payment in my credit report, but a few day I call this company so they talk it is not their fault.
PenFed denied my recent [ XX/XX/XXXX ] home equity loan application without providing a reason. I 've continually asked PenFed to review and provide documents from the first equity loan application that was approved in XX/XX/XXXX, so that I can compare its data with the recent equity loan application that was rejected. Currently, I have " XXXX '' balances on all credit accounts that I have with PenFed.
Last night Equifax announced a major security breach. 

My account information, amongst millions of others, has been comprised and probably sold.
CMRE XXXX. XXXX XXXX. {$46.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
Today I received an e-mail purported to be from XXXXXXXXXXXX. It read : A change has been made to the e-mail address for your Equifax account. This confirmation message has been sent to the old and new e-mail addresses. 

If you feel this is in error, please call us at XXXX ( XXXX ), 7 days a week between the hours of XXXX - XXXX Eastern Time Zone. You may e-mail us any time at XXXXXXXXXXXX. Or you may write us at Equifax Consumer Services , Inc. XXXX XXXX XXXX, XXXX , GA XXXX. 

Your Equifax Customer Care Team NOTE : This e-mail is for your information, and does not require a response. If you need assistance on this or any other Equifax product, please contact us at XXXXXXXXXXXX, or call us at XXXX ( XXXX ). We kindly ask that you DO NOT REPLY to this e-mail. 
Based on viewing my Equifax report on your site, and my phone calls to Equifax , I can only conclude that this is a phishing expedition on their part to get me to buy protection services from them, as I have not had an account with them for many years, and I certainly did not change my e-mail address. 

Please look into this. I do n't believe they are allowed to use scare tactics ( ie : someone has accessed your account and changed the e-mail address ) to get people to buy protection from them. 
By the way, I did not call the number above, but rather contacted them on their web site number of XXXX XXXX, as I could not be certain the above number was actually them. 
Respectfully ; XXXX XXXX XXXX
According to www.equifaxsecurity2017.com I was one of the 143 million consumers to have my information stolen due to the cyberattack on Equifax. As I understand it, I am now at risk for having my identity stolen and I have had to put a 90-day fraud alert on my credit file.
Capital accounts is reporting that I owe {$500.00} for a XXXX XXXX. I had to XXXX the Dr. to find where she works. Found out she was one of the Dr. 's who is on call with XXXX XXXX XXXX. I spoke to XXXX at XXXX XXXX XXXX 's billing department on XXXX XXXX 2017 at XXXX XXXX pacific time. She informed me I do not owe the hospital anything and that nothing was sent out to any collection agencies. I informed her about this account and she stated the insurance covered it. Again informing there is no outstanding balances at all.
TransUnion deleted my charge-off as requested by my creditor XXXX XXXX XXXX XXXX XXXX andmyself. But they also deleted my Line of Credit which they were not suppose to, nor did I asked them to, in XX/XX/XXXX. I was applying for a mortgage loan at that time. So I most definitely would not have askedthem to delete my Line of Credit. XXXX updates my account every month and TransUnion has not addedmy Line of Credit back on my credit report. Please contact XXXX XXXX Collection Manager at XXXX XXXX XXXX XXXX at XXXX. She is eager to speak with CFPB to back up mycomplaint. TransUnion 's investigation of my dispute was completed without them contacting XXXX 
XXXX. The whole purpose of filing the dispute was to let TransUnion know that my Line of Credit wasdeleted from my credit report. TransUnion response to my dispute was that my account does notcurrently appear on my TransUnion credit report. The whole purpose of filing the dispute was lettingTransUnion know the account was not on my credit report. I am asking CFPB to go over my documentsthat i am submitting. And to have TransUnion add my Line of Credit back on my credit report. So I canreapply for my mortgage loan. I am still making on time payments which I am getting NO credit for it. Iam submitting documents showing the following : Communciation regarding the Charge-Off, My InnovisCredit Report showing my Line of Credit is still being reported. Drafts from XXXX showing in XX/XX/XXXX, XX/XX/2014 and XX/XX/XXXX that XXXX is reporting my Line of Credit. TransUnion dispute and response fromTransUnion. Email showing TransUnion did not contact XXXX XXXX at XXXX regarding my dispute. Alsomy complaint, I file against Equifax with the CFPB regarding my Line of Credit being deleted. WhichXXXX has successfully added my Line of Credit back on my credit report. And lastly I have attached my current amount that Iowe on my Line of Credit. Thank you!
My checking account was compromised by one of the tellers at the Citizen 's Bank, XXXX XXXX XXXX location in XXXX. I had someone deposit money into my account. The teller in XXXX  gave the person making the deposit a receipt with my balances on it. Which is a clear violation. When I contacted the bank the woman said she was the teller and there was no manager at that branch and she terminated the call. I have receipt she gave gentleman who made the cash deposit into my account and can fax or attach to an email.
{$100.00} deposit was made at Citizen 's Bank XXXX XXXX XXXX XXXX Wednesday, XXXX XXXX, 2017 XXXX Teller Number : XXXX Bank : XXXX XXXX : XXXX Transaction # : XXXX Desired Resolution : Applicable FTC Fines be paid to me and I would like not only to be compensated for the banks error I would like them to formally apologize and to ensure it Never happens again. Thank you.
I was told after 6 months my credit card will be switched over to a regular credit card and the deposit I paid will be mailed back to me well after the 6 months I called and they said its 7 months so it been 7 months and still havent heard anything from discover im very upset with discover
Whitney/XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
We received notice after 9 months of trying to get a HEMP modification that we were approved by our mortgage company,  Select Portfolio Servicing , Inc. NMLS  #  XXXX .   We reviewed the documentation and were happy that we were approved for the 3 month trial payments and that our loan would be modified at 2 % for the remainder of the loan. We were also thrilled that our payments were now affordable.   After mak ing our 3 trial pay ments on time, we received the final modification paperwork that says the loan percentage is now 3.625 % and they want us to pay a balloon payment at the end of 25 years of {$320000.00} on a note that has a principal balance of {$590000.00}!   The numbers do n't add up to us and we feel like we are being taken advantage of ...   To make this worse, the 've given us a 10 day deadline to sign and agree.   This timeline does n't even give us an opportunity to review the modification with an attorney!   Please Help!   Thank you,  XXXX   XXXX  &  XXXX   XXXX
In XXXX 2016 I started to receive a service fee of {$7.00} for a Quicken ( software ) service that I do not use on my BBT Personal Checking Account. I have used XXXX on my computer for about XXXX yrs and have never been charged a fee from any bank. I email BB & T and told them I do not use and do not want this service and to cancel it and credit my account. At that time they did give me a credit. This continued to go on throughout the year. Towards the end of the year, XXXX did n't even connect anymore to BB & T and I had to Manually download transactions and yet I still was getting charged a {$7.00} which I had to ask for a credit. I emailed and called many times about this issue and repeatedly expressed that I do NOT want this service and if it continued I would close my account and take my business elsewhere. Well it did not stop I changed banks and was waiting for one check to clear to bring the account to a {$0.00} balance. On the day the check cleared, another charge for {$7.00} for this service I repeatedly told them I did n't want was put on my account as well as a {$36.00} NSF charge. I immediately called the XXXX number and told them about this. She told me should open a ticket and research the matter and I would hear back or receive the credit and that SHE could n't give me the credit. I told her I wanted the account closed but now it had a negative balance. I called back a week later to follow up since I had n't heard anything or seen the credit on my account - this person again told me they would open a ticket and she was at least able to refund the {$36.00} NSF charge - she also told me she sees the account as closed. I also called a local branch near my job to see if they could help close this account and he told me that the account was showing as closed and the only he could do was make sure no more debits came through the account ( which did n't happen ) as I now started to get charged a monthly maintenance fee of {$12.00} and another {$36.00} NSF fee - who keeps charging a " closed '' account??? I call again ( about 10 times ) and The bank then proceeds to tell me since I 've already received a credit within 24 months they ca n't credit me. And some of the reps were not very nice or helpful, in fact they were downright rude and one even hung up on me! Who does that to a customer?? Now we 're getting letters that it 's going to a collection agency. This is absolutely absurd. NO ONE AT THIS BANK would assist to credit my account the money that I should never have been charged in the first place. Please HELP. 
BB & T needs to credit my checking account {$67.00} for their own fees that they charged on my account including service fees for a service I NEVER USED.
to whom it may concern : Under federal law any collection company must posses : a contractual agreement with original creditor that you have the right to collect this debt, must have original document with my signature on to validate this debt, proof of debt original contract, if you have to request this to the original creditor it means you don't have it therefor you are reporting this account illegally, violating federal law, I am a litigious consumer and I with enforce my right, I know that I can request monetary retribution damage for your illegal report. Please remove this report from my credit or I will pursue monetary retribution. Thank you for you quick responds.
this account is fraudulent someone got this from my identity being stolen yet choice recovery has reported it to the credit bureaus and also has it in their records to collect ... i have a police report and a id theft affidavit that has been notarized concerning this matter.
This is my 3rd attempt with filing against this company for blatantly placing an item on my report when they did not in fact send me a dunning letter prior to placing this erroneous, inaccurate item on my report. By law I was supposed to receive a letter from them and then I would have had 30 days to dispute the validity of the account. In their previous response they indicated that they sent me a letter. Why then did they not attach the letter to their response. They then went on to state that they mailed a letter on XX/XX/XXXX. As of today, I have not received any correspondence from them. I am escalating my complaint to the FTC as well as the Attorney General and BBB. This company has and continues to violate my consumer rights. I sent this company a letter in XX/XX/XXXX ( see attached ), certified with return receipt requesting the following ( all of which validates a debt in the state of Texas ) : Proof that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness Copies of all documents sent to me regarding my account ; Copies of any papers that show I agreed to pay what you say I owe bearing my original signature ; Prove the Statute of Limitations has not expired on this account ; To date, this company has not responded. How too then by them responding and contradicting themselves by saying they have sent me debt validation is this item reporting not in violation of my rights and not in violation of the Fair Debt Collections Practices Act ( FDCP ) of which they are regulated as a third party collection agency?
XX/XX/XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New York XXXX Loan # XXXX I would like to file a complaint against Select Portfolio Servicing , Inc . I have been requesting assistance for my property. I have submitted numerous applications, and I have been denied. 
There are several programs that Select Portfolio Servicing , Inc. should have made available for my property as the HAM Program, The DOJ Settlement, The reduction of principal and late payments, however none was provided to me. 
My last submission was on XX/XX/XXXX. Select Portfolio Servicing, Inc. sent a letter dated XX/XX/XXXX with a repayment plan of {$6500.00}. 
The {$6500.00} monthly payment is excessively high, and is not feasible. It will only make me go back into default with this excessive monthly payment. 
Please help me keep my home. 
I would like to keep my home. 
I would like to be considered for a reduction of principal and interest, as it would make my monthly payments more affordable. 

Thanking you in advance, XXXX XXXX XXXX
AR resources debt collectors trying to get money from patient when insurance say we are not responsible for payment to Dr or collection agency in the amount of XXXX, insurance has contacted Dr and collection agency but still shows up on XXXX credit report. Have documentation to support that we have no responsibility to Dr or collections. We paid our copay in full at time of service. Emergency room visit. This was an emergency room visit and our obligation is a flat XXXX copay per our insurance policy which was paid in full by patient.
XXXX, XXXX I noticed multiple accounts, inquiries, addresses and phone numbers on my credit file that did not belong to me. I disputed the fraudulent accounts with XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX and received letters from each bank concluding the accounts were fraud and I had no financial responsibility for these accounts because of it. On XXXX XXXX, XXXX I forwarded my police report, victims statement, proof of identity and letters from XXXX XXXX XXXX and XXXX concluding that each account was fraudulent. I sent the dispute via certified mail with XXXX. Equifax received my mail XXXX XXXX, XXXX. As of XXXX XXXX, XXXX each fraudulent account continues to report on my account. I called Equifax today, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX at XXXX am CT and spoke to XXXX. I asked why these accounts continue to report on my Equifax file when I sent all necessary documentation proving it to be fraud. XXXX, who was very rude and abrasive, informed me that the accounts were " verified as being mine. '' I informed XXXX the accounts are fraudulent and are not mine, in addition each bank has agreed to them being fraudulent via the letters I was provided and provided Equifax with. Per my rights with the FCRA, Equifax had 30 days to complete my dispute and remove the fraudulent accounts. I never received any documentation in the mail saying the investigation was complete and the accounts were verified as mine either. I then asked XXXX for a method of verification letter with all certified documents that were exchanged between Equifax and the banks of the fraudulent accounts, as a consumer I have a right, per the FCRA, to be provided this information. I have a right to know what documents were exchanged, who Equifax spoke to at XXXX XXXX XXXX and XXXX, what information was provided to conclude these accounts belong to me, etc all within 15 days of the request from the consumer. XXXX informed me he will not be sending me a method of verification letter, which is violating my rights! If these fraudulent accounts are not removed immediately I will be contacting a lawyer and filing suit, there will be depositions involved and subpoenaing of records and phone calls. I do not want to go down this road however if this matter is not resolved immediately I will do so. This erroneous entries on my Equifax report is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If Equifax choose not to provide the requested deletion or requested method of verification letter I requested of their " investigation '', I will pursue the enforcements of my constitutional rights via federal court proceedings. In the meantime I will like to file a complaint with you all against them. I had no problem getting XXXX and XXXX to remove these fraudulent accounts however Equifax is being difficult even after I provided ALL necessary documents to prove these accounts are fraud.
Regional Collection Service or RCS which it is now known refuses to send me verification of the total amount of the debt I owe. Nor will they send me proof that they received my payment and the balance that is still owed. I do n't feel comfortable making payments on a debt without knowing the true balance before and after the payment. 
Is it legal for them to do this? If not what must I do.
The branch manager of pioneer credit has came to my workplace 4 times over the last month. My boss is getting very tired of it as I am as well. She is not supposed to come to your place of employment. Also has been calling a person she thought was my boss which has caused other problems and I may not have a job due to this. I was Sent home on numerous occasions because of this. I would appreciate this being looked into as my information should not be brought to the publics attention. That is violating the privacy act.
I am XXXX Militaty Vet and get paid at end of month. Called several times explaining situation to see if could get payment date moved to end of month so to stop incurring late fee every month! Seterus refused to work with me in any way! I was told to get one payment ahead I would n't have this late fee problem! Well if I had the money to get a payment ahead I would do that but I do not have the extra money!
Debr Recovery Solutions, LLC of XXXX XXXX, XXXX XXXX, XXXX NY XXXX. XXXX, continues to attempt to collect a debt for a landline phone number XXXX from XXXX that we never had installed at our residence.
Equifax has failed to validate a debt that i request validation nor have they sent me proof of such verification. Furthermore XXXX XXXX is asking me to send them information in order so they can process the dispute.So far this account is unverified and must be deleted.How can Equifax validate this debt when XXXX XXXX is asking me for information
There is a collection account filed with CBE group that was assigned by XXXX XXXX after the account was billed for an increased amount without notification or authorization. I talked to a XXXX XXXX representative in XXXX of XX/XX/XXXXregarding this and she did not acknowledge a payment that they sent me a receipt on, told me they did not have to notify me of a fee increase, refused to allow me to talk to a supervisor and refused to accept a partial month payment for a two week period covering the last week in XX/XX/XXXX and first week of XX/XX/XXXX The receipt i have from XX/XX/XXXX was almost $ 50 month higher than XX/XX/XXXX and there was no notification of the increase. It should be noted that I had called XXXX XXXX in XXXX of XX/XX/XXXXto cancel my account because of a similar rate increase and they reduced my monthly rate telling me that they would provide me notification if any rate increase was anticipated. It is important to note that I did not have a contract with XXXX XXXX with any time limitation and was on a month to month service verbal agreement with them. The address for CBE group is shown to be : XXXX XXXX XXXX, XXXX XXXX, Iowa XXXX
My complaint is with a Collection Agency called Healthcare Receivables. The sent me a bill of 3 charges for XXXX university for a total of {$630.00}. The sent this bill with only charges, no date of service and no true Validation of date. I would need Validation of this debt not verification. First I have never been to XXXX University, I do not even stay close to this area. Second I have been XXXX and have had XXXX since XXXX of this year and before that and during XXXX I also had XXXX XXXX who I spoke to and they confirmed they paid all my vlaims from when I had insurance with XXXX. XXXX has been covering all my hospital bills and doctor bills, so I do not know where this account come from or why it was n't submitted to medicaid. I called this Helthcare Receivables and typed in the account number on the bill received and they gave me a different amount or {$720.00} due. I have never been to XXXX University  and if this is Physician bill from another XXXX I go to this would need to be submitted to XXXX. But this bill is unclear and does not even have a Date of Service.