WillisBack/dataset-financial-user-claim huggingface dataset:
My issue is with all three bureaus as well as the following collection agencies : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. 
I sent a letter of verification dated XX/XX/18 to all three bureaus, but received responses that the debts were verified as accurate and the accounts remained on my credit report. 

I sent follow up letters to each bureau, dated XX/XX/18 asking how the bureaus verified the accounts without documentation bearing my signature. The bureaus failed to enforce the creditors ( XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX and XXXX XXXX XXXX to show proof of any such accounts. 

XX/XX/18, I then sent a validation of debt, directly to each of the collection agencies with either no response or responses that were not validations. 

XX/XX/18, I sent yet another letter to the bureaus stating that the companies havent responded or failed to prove the debt and to date, have not received anything from either bureau! 

Today is XX/XX/18! Ridiculous! This all literally started in XXXX and its almost XXXX. Do companies no longer have to abide by the law?
In the month of XXXX, I was unable to make the full payment to my charge account with Goodyear/Citi. I called Goodyear credit which is Citi and attempted to make some type of payment arrangement. This was today, in the late afternoon. The first time I called, Citi disconnected the call when I was in mid-sentence. I called back and asked the representative if the hang-up on the prior call was an accident or intentional. I was told by the representative that they were very busy today but there was no trouble on the lines, that she was aware of. She said we would never hang up on you ; we want to talk to you. Then she proceeded to disconnect the call. I attempted to contact Citi a XXXX time and I had the same results. I gave up since I did not want to become further frustrated. 
I then called a few other places to make sure that it was not my line that was cutting off the phone calls. I had no trouble with any other call, so the problem was initiated by Citi. I was going to just let this go, but the more I thought about it, I became concerned that this is some type of tactic that is used on people that are late on their payments, which should not be allowed. I have currently have an ongoing complaint with CFPB regarding Home Depot which is also Citi.that XXXX blocked me from accessing my account online because I was late. That was followed by blocking a payment I was attempting to make today online. Both of these incidents were verified by their own representatives. Not having enough for the full payment is difficult enough for the consumer, but having to deal with their tricks on top of the original problem is wrong. I would appreciate your checking into this matter. Thank you.
It's been 3 weeks since Ocwen agreed to a " Repayment Plan '' on my mortgage. The excuses I am getting is ... '' We are still trying to review the repayment plan ... .it has been approve but we still need time ... '' The Repayment plan consist of a {$10000.00} dollar agreement with an 11 months of {$900.00} added to the mortgage payment of {$770.00} which totals the amount of {$1600.00}. I spoke to my relationship manager ( XXXX XXXX ) three ago and he said it will be approve ... .I called the OMBUDSMAN Ocwen Office 5 times and keep getting the run arounds .... 

I need CFPB to get some answers before I file a lawsuit against Ocwen for Mortgage Fraud. 

A month ago, Ocwen called my Attorney, stating they plan to foreclose on the home, Ocwen has been sending four of my payments back to me since XX/XX/2018 with the INTENT to Foreclose to make a {$100000.00} dollar profit. I have owned this home for the past 14 years with my family and raise my kids. I have a lot of fond memories. 

According to my Bankruptcy Attorney, he stated, Ocwen should deal directly with you, since your " stay '' has been removed.
When I got my report I saw, under Adverse Accounts, " XXXX XXXX XXXX, '' collecting for XXXX XXXX XXXX XXXX in XXXX WI. I had told XXXX XXXX and then XXXX that I do not owe this money because neither I or anyone acting in my behalf ( my husband being with me ) gave my permission for the ambulance transportation and when I asked for their pertinent documents the driver provided, as " proof '' that I did, a fraudulent receipt signed only by him, which is against Medicare rules. I disputed the adverse report with TransUnion, the only credit agency who gave me a free report, and they issued a " research '' report that my compliant was frivolous without speaking with me or asking for my proof. This is contrary to the new statute saying they must get my side of a complaint about an adverse credit report. The attached papers describe the incident in detail.
I received a letter from US Bank saying I have an overdraft account of {$50.00}. I have not used this account for quite some time however when I tried to login to see why the account became negative as I had not authorized any charges on my account which could have caused this it says I have no active accounts. I have not received any statements showing any charges prior to this letter requesting payment for this unknown amount. I want account to be fixed or closed and zeroed out as I authorized no transactions.
We applied online through Chase Slate for a " full '' balance transfer. We wanted to transfer our XXXX XXXX balance of {$45000.00} with a higher interest rate to Chase Slate. We got a letter in the mail saying that we were approved for {$3400.00}. At this time I called Chase Slate and said if you ca n't transfer the full amount of $ XXXX then I do n't want any transfer. They ignored that request and opened up the credit card account anyway, transferred {$3400.00} to XXXX XXXX and sent us a bill with a balance due of {$3400.00}. When we called them and asked them why they did this they did not have an answer. They said sorry. Completely unacceptable. We wanted only XXXX credit card with XXXX balance at the lowest interest rate we could get. If Chase Slate was not okay approving us for the full balance transfer that is fine. They should have stopped the process and let us know. At which point we would have said thank you very much we do n't want your credit card at all. Instead they just opened up an account for us with a balance that was not requested.
PHH Home Mortgage is servicing my mortgage. In XX/XX/XXXX, they sent me a year end mortgage interest statement Form XXXX for Year XX/XX/XXXX. Since I had not reason to believe that the statement could be erroneous, I passed the statement onto my Accountant who filed my Taxes for the year XX/XX/XXXX. Later I received an amended Form XXXX and the changes were on the statement and due to which i have to re-file my taxes. My accountant again charged me for the filing of the amended taxes and thus i incurred another cost due to the negligence of PHH Mortgage. I did reached out to PHH Mortgage through phone and e-mail and i was assured that they will re-reimburse me for the cost re-filing. However the next time I called them to inquire about my re-reimbursement for the additional cost I was being tossed from one department to another to no avail. Since the issue started from an erroneous statement and give my experience with the Mortgage accounting this could be pre-cursor to company wide mismanagement and ultimately fraud. I would like you to take a look into this matter and investigate as it may only be me who is affected by this erroneous statement there must be many other customer of PHH mortgage who must affected by the same issue. Please take a look into how they have address this issue with other customer and how they have ratify this issue. Again my suspicions are towards a company wide fraud. PHH Morgage is located at PHH XXXXXXXX XXXX XXXX XXXX, NJ XXXXPhone : ( XXXX ) XXXX
They have put this on my credit report despite it being discharged in my Chapter XXXX. They have never contacted us in writing.XXXX XXXX XXXX XXXX DBA XXXX XXXX XXXX
I contacted my lawyer who settled this insurance claim for me and he told me that, " We were unaware of any  XXXX  doctor charges as they were never disclosed by anyone to our office in your case. Nonetheless the time for the  XXXX  doctor of the collection agency to enforce this judgment, unless they have filed suit and we do not know about it, has expired. I checked the  XXXX   County  courts website under your last name and did not see any lawsuits with you listed as a party. '' I am have disputed it with   XXXX   plenty of times and it always comes back updated with an increase in the bill amount.
I paid off the balance on a Home Equity Loan and requested the account be left open. Bank of America closed the account and is now attempting to deduct a {$730.00} " Early Closure Fee '' from my checking account with them.
I have already paid this debt. The MCM account number is XXXX. The original creditor is XXXX and the original account number is XXXX
My wife is XXXX, we are new to this country. we had medical insurance XXXX, initially we have found a doctor XXXX had a visit a doctor XXXX XXXX. We got to know that the doctor XXXX XXXX is not in our network, after understanding of the insurance, we found a doctor XXXX XXXX who is in the network. XXXX XXXX office ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ) has given appointment on XX/XX/XXXX we went to doctor 's office XXXX XXXX, office located in 3 floor, elevator was not functioning. After we visit doctor XXXX XXXX, she asked us to submit the previous ( XXXX XXXX ) medical documents, which we do not have at that time.She told us she could not give medical treatment with out having proper medical documents. She has done XXXX XXXX ( some very old equipment ) and XXXX XXXX XXXX and asked me to get the medical documents as soon as possible, since they have contacted Doctor XXXX XXXX 's office they did not get any response. Keeping all that in mind I found another doctor, and made phone calls and emails, I could not bring medical documents, hence asked to cancel next appointment and stop doing all further process if any. OnXX/XX/XXXX to my wife 's phone number, Collections agency made phone call and asking us to pay around {$1200.00}, we have not received any service except some XXXX XXXX that was not even clear. This seems to be annoying and bad, now the collection agency XXXX XXXX XXXX XXXX   threatening my wife to pay otherwise serious consequences. * I have all my email conversations as a proof.
Transunion is making money off of peoples information. 

I did not file Bankruptcy in XX/XX/2013 someone else did with a similar name but the Bankruptcy is showing on my repor.t
I refinanced my VA mortgage to get a lower rate and my overall loan balance has increased and payments are higher than they were when I originally got the loan. I tried getting it resolved and understand there is some costs but it seems odd to me every time I call I get passed to a different person with no solid answer to why it cost so much and how to lower payment if nothing has changed in tax value. The principal balance is high and majority of my payment goes to interest not the principal. I cant afford to keep making this payments and currently facing possibility of being involuntary separated from army due to force reductions. I am unsure what to do next trying get my payments lowered and some of the fees waived.
My reverse mortgage was transferred to Champion mortgage .  I received a letter from  Champion mortgage requesting payment as they are a  debt collector. I called  Champion  and they stated don't pay any  attention to the request.  If I don't answer the request within a short time frame I will lose any right to a rebuttal. I requested a E-mail stating  The wording in this case did not apply to me and I was told that would not be possible. I called XXXX more times talking to different people and as soon as they received my loan number I  was disconnected.  I have no one to talk to or a proper address.
On XXXX XXXX, 2016, I started a new job after being out of work for 3months. I paid {$1000.00} up front on XXXX XXXX, 2016 on my account to cover payments in between that time. I called the store daily, weekly, informing them of my situation. Talked to an associate, told them about the new job and changes to my paydays from bi-weekly to the XXXX and the last day of the month. On XXXX XXXX, 2016, two ( 2 ) payments were taken out on the same day even though we agreed on one ( 1 ) payment, but took out two ( 2 ) payments anyway. On XXXX XXXX, 2016, I went into the store and made a payment and told them again, that my paydays had changed to the XXXX and the last day of the month and please make this payment reflect on my account my payday change, again, I made this payment in person and talked face-to-face with an associate. At that time, the associate in store told me that my account was in good standing, and current, and that no additional monies would be taken out, but for me to come in on XXXX XXXX, 2016 with my paycheck stubs and she would take care of it. On XXXX XXXX, 2016, five ( 5 ) days later, another payment was taken from my account, which caused my account to be overdrawn, with a negative balance of {$450.00} and some change. I called the store about this the same day it happened and was told to come in with my paycheck stubs. I went into the store as instructed by the associate, and was told there was nothing she could do. She was sorry, she thought she could do something, but there was nothing she could do about it. I asked, " what if I call corporate myself '', she then said that their corporate office would n't help me either and probably wo n't even talk to me. She said if there 's money to be gotten, they 're gon na take it, no matter the circumstance or situation of their customer. 
I was not, and, am not trying to get out of my obligation to repay my loan. I took out this loan in good faith and they have been getting there money on time as agreed. The really sad part about all of this is that I have maintained communication with the loan company the entire time, I mean constant communication. But these companies, in no way, try and help during hard times, specifically when your in between jobs, as though your life does n't matter. I was told by an associate at the store locaton they did help me by giving me the loan, and it does n't matter what you 're going through, they want their money and will get/take it, by any means necessary
I had a 0 % interest rate on a Discover Card, which expired on XXXX/XXXX/16. There is an existing 0 % rate, which expires on XXXX The card has never been used for purchases since I obtained these rates ; thus the only balances on the card are the expired rate, currently in the amount of {$7100.00} at 15.24 % and {$3600.00} at the 0 % rate. I have consistently paid well above the minimum payment due ; yet, the amount over the minimum rate has not been applied to the interest-bearing balance, most of which has been applied to the 0 % rate. 

Consequently, my 0 % balance has gone down, while the interest-bearing principal has remained at roughly the same amount or increased. This is contrary to similar situations on other cards ( XXXX XXXX, XXXX ) in which the interest-bearing amounts have gone down consistently, along, with the 0 % rates. I have consistently called Discover to inquire about this and have been told that interest is accruing on a daily basis and that the interest-bearing principal is consistently increasing. Again, I never use cards which have promotional rates for purchases and my interest-bearing principal on other cards with expired rates has shown marked decreases ( even those with higher interest rates ). 

My understanding is that anything paid above and beyond the 0 % rate is applied to the interest-bearing amount. Again, my other cards with expired rates show marked decreases in interest-bearing amounts, while Discover Card apparently applies a different protocol. I would appreciate having the CFPB look into this matter so that I can determine if I am mistaken or if DiscoverCard has found a way to keep the interest-bearing principal as high as possible.
Checked my balance the morning of XX/XX/2018. Showed an available balance of {$28000.00}. I walked into the branch located on XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX to conduct business and get a cashier 's check in the amount of {$14000.00}. The teller, with her supervisor named XXXX denied my transaction. Her grounds were that the money was processing into my account and she could not negotiate it. The money was available and i was actually able to withdraw {$13000.00} in cash from the teller- but they would not accept any more withdrawals from my account- even though the receipt i received from them showed a remaining AVAILABLE balance of {$15000.00}! I asked her for an additional {$1000.00} and the supervisor refused the transaction. I immediately walked over to the ATM inside the bank- withdrew the remaining {$1000.00} and asked to be served with a cashier 's check for the amount of {$14000.00} which i now held in cash in my hand. XXXX once again refused service on the grounds that she " knew what i was trying to do. '' The complaint is twofold : i was denied available cash from my account and i was denied a cashiers check with cash in my hand.
Shellpoint Mortgage Servicing company has been reporting that I am overdue {$4.00} on a XXXX mortgage that I paid off in XXXX 2014. I am trying to take advantage of a refinance opportunity on my home mortgage so that I can finally get ahead on my budget. I sent Shellpoint a check for {$5.00} to clear up the balance again. They said that there were over {$2000.00} fees transferred with the account and I need to contact Resurgent. XXXX XXXX owns all of these servicing agencies. I have requested a breakdown of the fees and I get nowhere. Each time I inquire about the balance, I get targeted for more fees. This is so unfair. This loan was originally with HomEq. They sold to Resurgent. They sold to Shellpoint. I have worked so hard to get my finances back in order after Hurricane XXXX. I paid every bill that I owed even if the creditor had closed the account and gave a bad report to the credit bureau. I paid every balance. My credit bureau report shows that I have XXXX balances on accounts during that time. Now Shellpoint is reporting that an account I paid in full has not been paid and they are reporting this lie to all XXXX Bureaus every month. I do n't know how to get this removed from my credit. Please help me.
I am a co-executor for a relative 's estate. The Estate has maintained, and continues to carry, substantial deposit balances with Peoples United Bank. On XX/XX/XXXX, I sent an email to the bankers who handle my account to transfer {$130000.00} from the Estate savings account to the Estate checking account to cover several tax payments, including a {$110000.00} tax payment that would be auto debited from the account by the IRS on or about XX/XX/XXXX. For some reason, the bankers decided to make the transfer on XX/XX/XXXX, four days after my instructions, and two days after the IRS attempted to debit the account for the payment due, which was rejected for insufficient funds. I have made repeated requests to my bankers for an explanation, and none has been forthcoming. The IRS has sent a letter seeking penalty fee and interest on the rejected payment, and I have forwarded that to Peoples stating it is the bank 's error and they need to correct it. Again no response. Curiously, they have tacitly admitted their error by crediting back the {$37.00} overdraft fee that was initially charged. The incompetence and arrogance is frankly breathtaking. I can only imagine how they treat smaller account holders.
Dear Investigating officerFollowing up on my phone conversation with your agent, I am filling a complaint against Wells Fargo in regards to my car loan. The statement I receive from them does not include how my payment is being applied between the principal and the interest, and any fees if applicable. I have reached out to them to request a more detailed statement, and was advised that they can not send any different statement that the one I currently receive with the limited information. I believe that such operations are not only unethical but break the law, more precisely, the Act of 2009, signed into law by President XXXX Obama - Public Law XXXX -- the Accountability Responsibility and Disclosure Act of 2009. 
Thank you and kind regards, XXXX XXXX
I contacted trans Union credit bureaus on XX/XX/XXXX about inquiries that was on my report that should not have been there. I told them I was a victim of the inquiry issues section 6-11 they said they could n't help me. These are the inquiry that was removed and put back. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
I have called Equifax and XXXX and have sent a multiple inquiry letter to both of them to remove all fraudulent inquiry 's off my report and I got the general card response that inquiries are factual and will stay on my report for two years. I have had a fraud alert placed on my credit file to ensure no credit is issued without contacting me. I explained to the Representative XXXX in the fraud department with Equifax and XXXX with the fraud department of XXXX that I had no knowledge of these inquiries as they are not tied to an account and I did not authorize those inquiries but I was told they are factual & they will not dispute them. XXXX with XXXX  was VERY rude as I asked her to transfer me to a US special handling Representative she lied and said she could not transfer me and said she would hang up in my face if there was nothing else I needed. I believe XXXX and Equifax practices unfair procedures and I know for a fact that they do n't investigate anything wheather it 's inquiries or a account that 's reporting incorrectly.
All the accounts below have been cancelled and I have XXXX as proof. They are attached to this complaint. 


XXXX XXXX XXXX XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XXXX XXXX : Paid, Closed. 

XXXX XXXX XXXX XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 

XXXX XXXX XXXX XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 

XXXX XXXX XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XXXX Status : Paid, Closed. 

XXXX XXXX XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XXXX Status : Paid, Closed.
I've sent a certified mailing to XXXX XXXX, that was received XX/XX/XXXX, advising that I've recently pulled my credit report and noticed an account from them listed on my credit report. The letter advised that I was requesting that the debt be validated. By law, I have the right. By law, agencies have 30 days to respond. XX/XX/XXXX made the 30 day mark and the company never responded with any validation of debt to myself or the credit bureau. XX/XX/XXXX, I sent a certified letter to XXXX requesting the deletion of the above referenced account due to non response. I also sent a certified letter to Experian requesting that the account be deleted immediately due to non compliance. Experian sent me a new credit report dated XX/XX/XXXX advising the account information was updated. This is against the law as it's outside of the 30 window. This account needs removed, immediately. I've attached a copy of the deletion letter sent to both XXXX and Experian along w/ the associated certified return receipt. I've also attached a copy of the certified receipt for the initial contact in XXXX.