WillisBack/dataset-financial-user-claim huggingface dataset:
Over the course of the year XXXX I called the credit bureau to get negative items and inquires off my credit report the credit bureau refused to remove the inquires I saw on my report and items ( inquires ) were removed and placed back on my report they didnt notify me in writing within 5 days and they violate under The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order All other inquiries that are not related to none of the aforementioned permissible purposes must be removed! I did not authorize none of the inquires on my report for XXXX & XXXX. I ask that all inquires be removed off my report
On XX/XX/2019 I received a call from my Mortgage company ( Carrington Mortgage Services , LLC ) informing me that I was being charged late fees because they had not received my payment of {$1900.00} on the XXXX of the month, at which time I informed the representative that I was a retire XXXX  employee and that there was no way that I could make my payment on the XXXX of the month because I didn't receive my check until the XXXX of the month. I also informed them that even though the check was in the bank it had to be cleared by the bank and I had no control over the time it would take for the check to clear and when the money would be sent to them, at which time I was informed that the money had to be received no later than the XXXX of the month. On XX/XX/2019 I received my XX/XX/XXXX bill statement saying that I owned {$3900.00} not the {$1900.00} due to over due payments of {$2000.00}. I have not missed any payments documentation available upon request.
Last week the company called me while I was at work ( and out of town, I do travel for work ). I had missed my payment, my fault. I told " XXXX '' not to call me at work. I came home and ( my fault again ) forgot about the payment. I was at work today and XXXX again called me at work. I told him, that I had said not to call me at work, and that I could n't take care of it right then, and I would have my wife call. He then threatened me by saying if I did n't resolve the issue right then he would have to " take action '' and continued to harass me.
I am being contacted by debt collection company on behalf of XXXX in the amount of over {$5000.00}. for internet and telephone services. I am a XXXX XXXX XXXX woman who only used the computer to visit XXXX, access my XXXX account and pay bills online. I did not download or stream movies so I can not understand the amount being requested. I requested documentation that would provide me with a better understanding but only received a letter stating I was responsible for the stated amount. I am asking for assistance to help me understand my responsibility and achieve a speedy resolution to this matter.
Both Transunion and XXXX refuse to even allow an dispute of an incorrect collections on my credit report. The collection company has not only posted an invalid debt on my report, but has inflated the original amount owed by over 344 % in direct violation of the Fair Debt Collection Practices Act. XXXX was the only credit company to act quickly and remove it within a week. 

XXXX continues to state " I cant be verified '' and refuses to let me submit a dispute even though I have my most up to date credit report from them in front of me. Even their " Web email '' doesnt work Transunion refuses to allow customers to submit their dispute online and wont even pick up the phone when called. 

I also attempted to submit a dispute through XXXX XXXX and received notification today that there was a " technical '' error and my dispute did not go through to Transunion
I was a victim of identity theft and noticed a collection from CERTIFIED RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CERTIFIED RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
My wife and I began the refinance process on our home, signing a loan estimate on XXXX XXXX, 2016 with XXXX Mortgage ( Finance of America Mortgage, LLC ) through XXXX XXXX, XXXX XXXX. The loan for {$270000.00} had an interest rate of 3.5 % with 0.125 % in points ( {$340.00} ). The rate was locked to XXXX/XXXX/2016. On the same date, we are also informed we could choose our own title company because we could get a better rate than the lender preferred company having used the title company recently. On XXXX/XXXX/2016, we provided the lender XXXX XXXX XXXX the name ( XXXX ) and contact information for the title company to be used. On XXXX/XXXX/2016, we received our Closing Disclosure which listed the title company as XXXX and the higher rates we wanted to avoid by using University. We immediately informed the lender XXXX XXXX XXXX that day of the error and requested for the title company to be changed. On XXXX/XXXX/2016, we received a revised Closing Disclosure which did change the title company to University and the lower rates, but the discount points were increased 0.125 % to 0.25 % ( {$680.00} ). We immediately contacted the lender XXXX XXXX XXXX that day and inquired as to the increase in points. He said it was due to the rate lock expiring on XXXX/XXXX/2016, they had to charge an additional 0.125 % in order to keep the same interest rate of 3.5 %. We told them that was unacceptable because the only reason we were closing later was due to their title company error. XXXX informed us that day that he submitted an underage request to his manager for us to get a credit back, that it would be approved in 1 day, saying " OK, looks like we are good with this, '' and also asking us to " SO please move forward with anything else ... '' XXXX also verbally told me over the phone that it would be taken care of. On XXXX/XXXX/2016, we received another revised CD, and again it listed the points at 0.25 %. We again immediately contacted the lender XXXX XXXX XXXX that day of the problem. XXXX did not respond. We received our final revised CD on XXXX/XXXX/2016 ( closing day ), and it still had the problem. We again informed them of the error and they said : " I have requested it last week, will get with upper management again ... '' We decided to close in order to avoid any further issues ( and charges for not closing ) with the lender but in reliance that we would get a credit for the additional points in the amount of {$340.00}. Having closed and received no refund and no word, we contacted the lender XXXX XXXX XXXX on XXXX/XXXX/2016. All we got was that they were working on it with their management. Again we inquired on XXXX/XXXX/2016, and again were given the excuse that the request was submitted and they were waiting for management. Again, on XXXX/XXXX/2016 we inquired and were finally told that we were not going to receive the refund and that they essentially knew that was the case all the way back to closing, but finally made it clear to us.
To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing chargeoff/collection/late on XXXX/XXXX/XXXX. this account was open while being XXXX oversea. I am XXXX XXXX military and place for alert on my credit report to stop this type abuse from this company and I have ask this company to send me documents to show I open this account and sign for this account. Until this day they have not provide this information. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows :  XXXX XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action
Synchrony Bank closed my account because they claim I dishonored a payment. 
As a follow up to their letter dated XXXX XXXX and XXXX XXXX and in response to my request for proof of return, I am disputing their account as follows : 1. As you can see from my attached statement closing balance, my account had been overpaid by over a hundred dollars ( which has not been returned to me as at today ). 
2. My prior closing balance was also paid in full and I made payments totaling {$1000.00} in this billing cycle, some of which were made in cash. 
3. They claim this transaction occurred on XX/XX/XXXX but I made multiple transactions after this date and made payments ( all attached ). 
4. My bank does not show a return payment as I had funds available ( statement attached that show available funds for the date in question ) 5. As their agent indicated over the phone, I am not worth the business because I do not carry balances and therefore do not pay interest. This, I believe is the reason my account was closed. 
6. I am requesting that proof be submitted of the return payment. Ironically, the bank I paid from is linked with Walmart as the statement indicates.
Doc # XXXX - Equifax told XXXX we were a credit risk which resulted in high risk credit fee. 
Doc # XXXX - this is Credit report from Equifax - nothing indicating high risk. 
Doc # XXXX - Research Request Form to Equifax asking for correction. 
Doc # XXXX - New credit report from Equifax completely different from report of XXXX XXXX. Probably sent to cover up their error in the report to XXXX. No corrections. 
Doc # XXXX - Research request form requesting correction for listing a commercial card that was not ours and an incorrect address. 
Doc # XXXX - Equifax response that did not address either of the two issues in the research request but removed an address which had previously been an address for our association. 
Equifax made a mistake by reporting to XXXX that we were a credit risk ( XXXX confirmed that they had been contacted by Equifax and given this information ). Equifax has tried to confuse the situation rather than correct their error by sending a different credit report ( Document XXXX ). How could this credit report be so different from the first credit report? Equifax continued to try to confuse matters by sending a response ( Document XXXX ) that did not even address the issues raised in the second research request form ( Document XXXX ). 
Again we request that a correct report be sent to XXXX with a copy to us stating they erred in the initial report to XXXX.
I was given a reverse mortgage with Bank of America and applied for a loan mode that they approved six months later after I mailed all paymnets on time they said my loan mode paper work was lost and I am being forclosed. I turned to my lawer to stop it and while we are waiting for court Bank of America turned around and sold my account to XXXX XXXX mortgate before we had a chance to go to court in XXXX XXXX.
When I make payments or deposit funds into my Paypal account they are placed on hold for 5 days. Without any justification, Paypal holds my funds for longer than the 5 day period. When I ask for my funds to be returned to me, they decline or refuse to return the funds. In addition, they also refuse to transfer the funds to the intended recipient. Paypal Customer service states that it is their policy to hold funds indefinitely, for any reason, without notifying consumer. I have a Business Account with Paypal that has never been implicated for fraud. I believe that this is an intentional practice by Paypal to increase the revenue they earn from Interest payments on funds held in reserves that they receive from consumers.
I deposited a check for approx {$1000.00} into my JP Morgan checking account. A few days later my account was closed without any notice to me and they kept my retirement check that I deposited. I went into the bank and they promised to give it back once I followed the steps they provided. I did that day and they still refused to give me the money. No one can explain why my account was closed without contacting me. I contacted XXXX XXXX about the validity of the check they issued me and they told me they paid the check. XXXX claims they did n't pay the check but have no record of that and want me to prove they did. So I again brought it proof and chase still refuses to give me my {$1000.00}. They just blow me off and keep my money.
I have disputed with the company many times about reporting my account as delinquent. I have sent in my bank statement showing on time payments for the due amount or more. The company just reported " late payments '' the credit reporting agencies from  XXXX     2015 to   XXXX     2015. The y are reportin g 9  missed payments. This reporting is incorrect and causing issues on me being able to obtain financing. I went through this with the company on another account and for this account already. Something needs to be done as I am ready to obtain counseling for this issue.     I have attached my bank statement for year    2015  showing a payment every month to  XXXX  Web Pmt Single - Online Pm t Sls
Care Credit did not resolved my complaint about unauthorized charges on my account : 1 ) Unauthorized and unacceptable fees charged to my card by Care Credit Affiliate, " XXXX XXXX  '' ever since I agreed with the dentist to get a 12 months free interest with this company.

2 ) Unauthorized and unacceptable charges made on my accounts on three occasions, XX/XX/XXXX amount of {$450.00} was Charged by XXXX XXXX XXXX  which was not mine and I never authorized or received a service from the XXXX..

XX/XX/XXXX amount of {$1200.00} was charged by XXXX XXXX XXXX XXXX which was not mine and I never authorized or accepted any charges and in fact I never even met XXXX XXXX XXXX  
XX/XX/XXXX amount {$1000.00} was charged by XXXX XXXX XXXX which was never authorized or accepted by me and I never received any services. All these charges have been disputed for almost a year and many phone calls and letters to Care Credit have not resulted a fair outcome. Furthermore I have been charged a late fee charge every month because I am disputing these charges and fees and I don't believe I should pay bills which are not mine.
Homeowner had   XXXX   home security system dates XX/XX/XXXX  for {$2200.00}. Homeowner sold home In   XX/XX/XXXX   and cancelled system. Homeowner asked  XXXX  that new homeowner would like to keep the system and  XXXX  agreed to keep the system in the home and transfer the service to new homeowner.  XXXX  mislead the homeowner that  XXXX  failed to provided required services to new homeowner and is requesting full payment of contract for services not provided and not functioning after home was sold and contract closed by homeowner.   XXXX   is claiming debt owned but no services have been provided to warrant amount owed.
Further,   XXXX   debt collection agency did not provide valid claim to debt within proper notice. Additionally, homeowner provided written notice to debt collection agency to cease communication and debt collection agency continues to communicate with homeowner.
I 'm a victim of identity theft and someone took my information and try opening up lots of accounts in my name. XXXX XXXX XXXX I have XXXX account with XXXX XXXX that I apply for on XXXX/XXXX/XXXX and I still have that account, next there 's XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX I never apply for any account with this company.
I have disputed multiple credit inquires on my report with the credit bureau multiple times and I am just not getting anywhere. I have spoken to all XXXX of the credit bureaus and to this day no one will assist me. I am disputing the following inquires as I previously have. I have no knowledge and did not authorize these inquires to my credit. I also have a fraud alert in my account and have had XXXX placed multiple times in the last year or so. I did not authorize the following inquires toy credit and have no knowledge of them : XXXX XXXX : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
Credit reports show CHP XXXX as a CHP XXXX. All of my debt before XXXX 2017 have been discharged. Credit report should be reporting a CHP XXXX.
I had loans carried now by navient and i have been XXXX and XXXX XXXX for 5 years and was given student loan forgiveness and these people still have not closed the loans and still 6 years later are showing up as 5 years late fees forbearance s destroying the rest of my life.
i am filing this complaint against my credit card company capitol one for not rendering the services to me i would have expected when i was the victim of online fraud.i explained to them that this is not a billing dispute, it is for undelivered goods and services.these companies need to produce what they have done for me not the opposite.i paid XXXX XXXX on XX/XX/2016, XXXX XXXX XX/XX/2016 and XXXX XXXX on XX/XX/2016.these monies should be returned to me for services not rendered.capitol one seems to blow me off. im not asking capitol one to do anything there not suppose to, i feel it is easier for capitol one to just say it is to old.these companies are taking advantage of the elderly which is against the law.
I completed my loan agreement with Santander Consumer USA back in XX/XX/XXXX with a “XXXX” balance on the account as well as title in hand for my XX/XX/XXXX XXXX XXXX. In return Santander reported my account stating that the Payment was made after charge off which was not true at all. I have made several attempts with no avail to get the derogatory mark off my report but I either get hang up on by a agent after explaining the problem or told no changes can be made and will stay on report for seven years. I really feel like I’m being punished for something that shouldn’t be because the account was paid to term with a balance of XXXX.
The response from all 4 of the cfpb complaints that Ive filed against Skopos they have failed to acknowledge the fact that they failed to respond to my previous dispute within the timeframe allowed and by law they are required to remove the negative item if they fail to provide proof that it belongs to me. Ive documented this, I will be going to media about this company along with proceeding with the lawsuit. My attorney XXXX XXXX has all documentation from these disputes. We will be seeking wages for the stress that this is causing, and as stated I will be going to the media about this company.
Wells Fargo collection department has been auto-electronic dialing our phone number, which is on the do not call registry, and our loan is current, and not in collection. We have asked them in writing to stop. They ignore the requests. Last week we were called at least XXXX times by Wells Fargo auto dial, and a non English first language person who we could not understand left a message. We saved it so we can prove we are getting these calls.
ONEMAIN AND XXXX XXXX HAVE NOW MERGED! THEIR BUSINESS MODEL HASN'T, THEY CONTINUE PULLING PROMO INQUIRIES FROM XXXX, AFTER CONSUMER OPTED-OUT.
Abo ut 7-8 y rs ago I went to a casino in  XXXX  and signed up for a MasterCard/Total Rewards at   XXXX   XXXX   XXXX   . I a lso signed up for insurance coverage agreement that came with the card. The agreement states that through   XXXX   XXXX    XXXX   ( a product of Comenity ) if I becam me  XXXX  the bal ance would go away, and they would not harass me for money. I became  XXXX  and provided all the requested info to collect the money, but the insurance/credit card people kept asking for more docs. I am owed {$2700.00} that should b e removed from my credit and my credit score should indicate that this was an error by Comenity.
XX/XX/2018 Notified Union Bank about fraudulent activity over the phone. They put a stop in all outgoing transactions. Said that they have filed a claim which they didnt. Advised to visit a banking center to open a new account and close the one with fraudulent activity. 
XX/XX/2018 Opened new account and closed old one. No advise on claim for fraudulent charges was provided. 
XX/XX/2018 Called phone customer service only to realize no claim was opened. 
XX/XX/2018 Back and forth between phone cust service and XXXX XXXX Branch office. Manager advised writing a letter with information about fraudulent transactions which was done and she promised to follow up. 
XX/XX/2018 Email confirming that they sent the claim to the right department and they received it. 
XX/XX/2018 Called phone customer service to ask about claim. They say there is no claim filed as yet. 
There is no clear correspondence that claim is open, so decided to engage CFPB for assistance as we have lost {$8100.00} which is huge hard earned money.
Ocwen,  our mortgage servicing company, ca n't explain why we have  XXXX  plus fees due on our account. I would like to have a forensic look at our documents over the past 6 years with them. How do I go about getting something like that done.?      Kind Regards   XXXX   XXXX
As of XX/XX/2018 Synchrony Bank/XXXX XXXX Credit card was closed. I wasnt informed of this action from the company intil a month later. When I received notication from my credit monitoring service. I called the company and the representative stated that the company had pulled my credit report ( this was done without my consent ) and decided to close my account because I wasnt using the card and because my credit score had decreased. This is a furniture card. It is not customary for people to make major purchases for furniture often. Also, I had never been late paying any payments on this account and I paid off my balance earlly. I had a XXXX balance. I just think thats its unfair to close an account held by a good paying customer due to the response they listed. This account closure has significant affected my overall credit score because by loosing this account it increased my overall credit card useage. Its not right for a company to try, for no reason, to put a person in financial distress.
my check ( XXXX XXXX ) was intercepted with a payee change to an unknown person. Bank of America called me to ask if it was valid because they questioned the check, but it was still cashed after i told them it was not correct. I do not have a BOA account at this time now they will not refund my money after 90 days. the amount is {$6300.00}