WillisBack/dataset-financial-user-claim huggingface dataset:
Freeze placed on credit report with Equifax ; written letter with handwritten signature, copy of driver 's license, PIN to unlock freeze, listed handwritten date of birth, social security number and credit card number/expiration date with consumer name and billing address for associated temporary lift fee submitted via USPS certified mail XXXX/XXXX/XXXX with instructions to temporarily remove freeze from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. As of XXXX/XXXX/XXXX, mortgage company given permission by consumer to access credit report states security freeze remains. Attempt to remove credit freeze via telephone system by consumer also denied and recording indicates can not be completed via this method. Certified mail receipt # XXXX XXXX XXXX XXXX XXXX to XXXX. XXXX XXXX, XXXX, Georgia XXXX, indicates Equifax received written request XXXX/XXXX/XXXX. Upon looking at Equifax website for a former dispute, freeze remains with statement of 'legislative security freeze in place ' ( see photo ). Not only was written request submitted and received, but Equifax CONTINUES to not follow written request and deny consumer the right of allowing lift to be placed and removed upon her discretion. Consumer feels Equifax is purposely withholding credit report as a form of retaliation to consumer for filing complaints with CFPB due to their reporting practices and has placed consumer 's file in " Special Handling '' services.
XXXX XXXX XXXX XXXX XXXX XXXX Grant and Weber trying to collect a debt of XXXX. 
Was fully insured for the procedure this is a mistake
Ongoing Dispute with Ditech Financial LLC Of note, original loan was with XXXX, then XXXX, then Ditech bought loan in XXXX/XXXX/XXXX. Property taxes and insurance were NEVER part of escrow or to be impounded with loan ; and have always been paid direct by me. 
XX/XX/XXXX Ditech sent notice stating escrow is short/delinquent. My several calls and inquiries and letters, provide no explanation or satisfaction, let alone resolution of why shortage and where do they come up with this. The last communication from Ditech says " they were notified of delinquent property taxes '', thus the shortage on my escrow is {$2400.00} and future projected impound of {$1100.00} is due. But I have paid all my property taxes and I sent another letter certified and it included my cancelled checks for property taxes, including the XX/XX/XXXX installment pymt and those for all of XXXX. It also included XXXX receipt of payment information and my property tax statements and also asked they check the XXXX website and enter my parcel number where they can obtain the same info. 
As of now I have no resolution, their last communication continues to reflect a shortage of {$2400.00} for XXXX and projected impound for future property tax impound of {$1100.00}. My next mortgage pymt is due XX/XX/XXXX and I do n't want to pay the increase monthly adjustment of even {$42.00} when I do n't owe it but worry about my credit score. Do Note I will continue to fight this but very concerned that Ditech is not just negligent and incompetent, but that they are fraudulent and attempting this scam on others. Do I need to get a lawyer to fight this?
I just recently received a copy of my credit report. I have filed a Identity theft report. I was XXXX for 5 years. I noticed multiple accounts that were opened while i was in XXXX. I did not open these accounts or gave anybody permission to open these accounts. Please remove these accounts as do not belong to me. 
accounts are XXXX, XXXX XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
I ca n't get my report it asks questions that I do n't know the answer to? I should know where I 've had a loan! right? I already had someone get electric in my name.I had to do police report and all kinds of headaches. I went without power for 3weeks from this deal and even had to deal with social services trying to charge me for neglect of my children. I ca n't get a cell phone, a used car, a credit card, not a thing please help me I do n't know what to do.I ca n't even get my report to dispute. I 'm XXXXyears old have XXXXkids and I 've worked my XXXX off for everything I have.What should I do?
rude, male demands I bring my account up to date. states I moved and have a previous account. told the XXXX i did not have a previous account in XX/XX/XXXX and i have the same account I did -and it was opened and activated this year only XX/XX/XXXX. he decided he was going to talk over me and harass me. told him to XXXXXXXX XXXX and hung up and blocked his numbers. XXXX and XXXX i have contacted XXXX XXXX who stated my account is in good standing and no new account was created. my account is paid and up to date.
Experian XXXX XXXX legal ownership of said account You state you validated this account Well if I paid this account I own this account right, I have not received any documentation or notice from you for validation { law 's the law } you are falsly reporting this account REMOVE IT example XXXX owns contract sale said contract to consumer for full payment that gives the consumer now the furnisher the all legal rights. CFPB is this not correct you have violated my rights damaged my credit cost myself a lot of loss of income
In XXXX 2009 my XXXX XXXX services account was paid in full. However, it is reporting late on my Transunion credit report and it has been removed from all other reporting agencies. The account was paid in full within XXXX days.
I filed for chapter XXXX bankruptcy relief on XXXX/XXXX/2015. My case was dismissed due to not paying my installment fee by due date. My case was re-opened. During the time that my case was dismissed creditor I am complaining against sent me another attempt to collect debt from a completely different company ( since they were included in my list of creditors ). I went to bankruptcy clerk to amend my list of creditors to include this company although they were originally listed as ECMC. About two weeks later I received an attempt to garnish my wages from the same company but using an address different than the one I included in my amendment. I should not be receiving any attempts to collect as I am under an automatic stay and have also requested an extension to my stay due to my case being temporarily dismissed and re-opened. I have been disputing the validity of this debt for 10+ years and this debt keeps being resold to different creditor companies.
I received two thirty day lates on all XXXX of my credit reports back in XXXX XXXX, and XXXX XXXX, from BMW Financial Services. I have been trying for almost a year to get these lates off my credit reports, because the payments were made on time, and I have documentation to prove they were paid on time. I have sent this information to BMW and to the XXXX credit bureaus as well. BMW has insisted these payments were late, but they have never shown me any proof, they received them late, even with the supporting documentation. My bank has informed me, that it was likely BMW received the payments on time, because the payments were made via electronic transfer. Because BMW has not shown any proof of the EXACT date they received the payments I believe the information they are providing the credit bureaus is Questionable or Possibly Inaccurate and should be removed from my credit reports. BMW has received many Goodwill letters from me, but has been totally uncooperative in all respects. I have even had automatic payments drafted from my bank since these incidences have occurred, but they have refused every attempt I have made to correct the situation, even though the payments were not made late to begin with. I have nver been late with any payment in my life, and I believe BMW 's late are giving a totally false representation of my credit history.
I have notified Equifax via fax and mail numerous times and they keep refusing to investigate this without the proper identification which I also have included and I am attaching this to and I and I have once again mailed and faxed on today XX/XX/XXXX. I was born on XX/XX/XXXX. Somehow they have my birthdate as XX/XX/XXXX. I know I turned XXXX this year and all my records show that I am XXXX but they refuse to change it and my other creditors are giving me trouble over it too because they are accusing me of lying on my credit applications and I have had to mail them proof that I have not lied, The credit bureaus should not be allowed to change this type of information because your birthdate is something that never changes and they are bad for this. I am attaching a copy fo what I have sent them. I dont appreciate them ignoring this information and refusing this but this is not the first time that I have had trouble like this. They even have accounts on my file that show me as an authorized user that I have asked them to remove, by law they are not supposed to report negative information of an authorized user such as XXXX account but most importantly is getting my birthdate corrected.
Suddenly I have received a collection bill for XXXX through PennCredit about my previous landlord 's electric bill. I had verbal agreement with my landlord about monthly rent including all bills and I paid all my rent from XX/XX/XXXXto XX/XX/XXXX and moved out from that house in XX/XX/XXXX and the bill was from XX/XX/XXXXto XX/XX/XXXXand the total amount of the bill isXXXX. I never received any bill before, no phone call, no reminder about this bill.
Since XX/XX/XXXX, I have had my auto-debit for my loan account to include the full scheduled payment and an additional {$500.00} solely dedicated to a higher-interest GradPlus loan. Since this time, I have recertified for IBR. The first auto-debit after the new base payments began, XXXX still deducted the additional {$500.00}, but attributed it amongst all of my loans rather than the assigned loan. This WAS corrected by them after a lengthy phone call to correct the matter, but there is no guarantee that I wasnt charged undue interest or that the other loan balances were adequately readjusted either. XXXX attributed the issue to a system upgrade error that they knew of when IBR accounts recertified. 

I have not had issues since the corrected issue in approximately XXXX until my XX/XX/XXXX payment, where the base payment and additional {$500.00} were auto-debited and the additional {$500.00} again distributed to every loan except the one it is scheduled for. There has been no change in loan status, no change in payment amounts, etc. It is inexcusable that I must continually monitor their activity to ensure this THEFT stops occurring, and it is THEFT. It is financial THEFT in the extra interest charged on a higher loan not being attributed its payment appropriately and it is THEFT of my time, which must be spent to correct.
This is regarding an adverse account item logged to my TransUnion credit report on XX/XX/XXXX in the amount of {$190.00} filed by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX, and the resulting recalculation of my FICO score from XXXX to XXXX. The derogatory credit item is invalid and I disputed it with TransUnion in XX/XX/XXXXas soon as I was alerted by my bank. They responded back that the item was verified as accurate. When I called to get the particulars about the investigation, as disclosed as an entitlement in the letter, the associate responded that the investigation is purely electronic. They simply contact the collection agency electronically for verification without any independent evaluation of the accuracy of the disputed charge. Whatever is reported is assumed to be accurate and as a consumer I have no ability to refute the claim.
The circumstance of the disputed charge is as follows : I signed up with XXXX XXXX for month to month membership at a cost of $ XXXX/month. After an unexplained fall on the treadmill on XX/XX/XXXX, resulting in a visit to the Emergency Room, I was advised by my doctor to discontinue my workouts until a XXXX XXXX XXXX and XXXX XXXX could be scheduled. Upon receiving that advice, I immediately called XXXX XXXX  to terminate my membership. I had paid in advance for the month and had no outstanding balance. They urged me to come in to speak with an associate regarding the termination but after explaining the circumstance of my situation, the associate agreed to terminate my membership on the phone. Approximately 7 months later, I received a collection letter from XXXX XXXX XXXX on behalf of XXXX XXXX  claiming a delinquent balance and collection fee in the amount of {$250.00}. I made multiple calls to XXXX XXXX and to XXXX XXXX  in attempt to resolve the dispute. They were unable to explain the charge and were extremely rude to me, talking over me, threatening to destroy my credit, and even hanging up on me. They did not respond to my letters.
Attached is a copy of the Explanation of Benefits from my health insurance company documenting the emergency room visit and XXXX XXXX from XX/XX/XXXX. An examination of the XXXX XXXX records will show that I have not visited the club since that day. Also enclosed is my credit card statement showing two payments to XXXX XXXX for {$10.00} covering the months of XX/XX/XXXXand XX/XX/XXXX.
I request that this false item be removed from my credit report immediately, and that my credit score be restored to its prior-calculated value. I have had over 40 years of perfect credit, and it is inconceivable to me that an unsupported claim by a disreputable collection agency and local fitness studio for an erroneous {$190.00} charge should be allowed to diminish my credit score which has been consistently over 800 for many years.
I became a of victim of Identify Theft on XX/XX/XXXX. 

I filed a police report with XXXX XXXX Sheriff 's Deputy XXXX on XX/XX/XXXX. 
I mailed Experian ( along with the other two agencies ) a form letter with detailed information containing my date of birth and social security number, my current address of over 30 years, along with copy of recent utility bill, copy of my driver 's license and a copy of the Police Report that was given to me by Deputy XXXX. My letter requested a permanent security freeze be placed on my credit account. With the letter was the police report stating the file number, classification of incident, date of incident, deputy 's name and badge number, along with XXXX XXXX County Sheriff 's Station contact information. 

I sent these documents via USPS certified with a return signature form, which shows Experian received the documents on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Experian stating their refusal to place a security freeze on my account due to my police report not meeting their criteria for security freeze. Their letter stated that I should pay them {$10.00} to place a freeze instead. The sheriff deputy report clearly states the incident of the crime as a 530.5pc, which is an identify theft incident. They are refusing to acknowledge my police report in order to extort {$10.00} from me. 

I phoned Experian on XX/XX/XXXX and was directed to an over seas staff person that refused to acknowledge my claim of Identify Theft. They stated the only way I could get a security freeze was to pay Experian the {$10.00}. 

I'm left feeling like another victim of crime from Experian for their refusal to abide by California Civil Code 1785.11.2-1785.11.6 and 1785.15. and whatever Federal Laws they violated too.

I also sent same letter and documents to XXXX and XXXX, to which they initially refused to grant a security freeze, but with follow up phone calls and requesting speaking to multiple supervisors several times on same phone call, I was finally transferred to a USA based employee and able to get the security freeze placed on my account from both of them ( XXXX, XXXX ).
My wife paid off a debt in XXXX XXXX to XXXX XXXX regarding a XXXX XXXX card she took out in my name. She had proof the debt was paid and after dealings with a collection agency in Ohio ( XXXX XXXX XXXX ). The payment was confirmed by both XXXX and by XXXX. At that time ( XX/XX/XXXX ) this matter was closed and the debt was paid in full. she had previously filed a complaint with CFPB to help resolve this matter and your file show case closed. Then in XX/XX/XXXX I began to receive advertisements from local attorneys regarding a lawsuit against me from XXXX XXXX in the amount of {$1900.00} in XXXX County IL. Not knowing what this is about I called XXXX and got nowhere. ( I have also filed a complaint with your office against XXXX and their tactics ). Finally I was referred to a XXXX attorney Meyer & Nju, XXXX advised that they could help me with my questions. I tried calling their office and was told they did n't know who I was or had anything on file. Then I mailed a letter to XXXX XXXX XXXX in XX/XX/XXXX and received no response from them. Then in XX/XX/XXXX I receive a notice that they are filing a lawsuit against me. I have contacted them to advise that this debt was paid, what do you need to resolve this and those emails have gone unanswered. Should I have not received something from Meyer & Nju prior to getting notices form XXXX XXXX XXXX 's advertising mailings??? I would have been more that happy to address this matter way before we arrived at this point. There were no collection inferences on my credit so I had no idea this was coming. My wife got this card in my name which was part of the problem.
I made a large payment on my student loan on XX/XX/XXXX and received a notification on XX/XX/XXXX that the payment had not been processed due to an error in my account number. I made a payment of the same amount on the XXXX through the online system. I received another notification on XX/XX/XXXX that the payment was returned. I called the loan servicer on the XXXX to make the payment via the automated phone system. On XX/XX/XXXX I checked my bank account and saw that both payments had been withdrawn from my account causing me to overdraw, including the payment they informed me had not bee processed. I contacted the servicer to have the payment refunded and they informed me unapologetically that it would take no less than 30 days to receive the refund. I asked if the process could be expedited to do this being an issue in their communication but was denied.
My husband and I consolidated our student loans and went into default again. He has a garnishment on his wages that total {$190.00} per week. I called Pipneer Recovery to see what we can do to get out of this debt quicker. The woman told me we could pay {$540.00} per month MORE and we would be out in 25 years. That is {$1400.00} per month. I want to know my interest rate and she could not provide me that information. I asked her if we left the garnishment to pay the loan off when would it be paid? She said it would never be paid off. 
Is this true? It is financially hurting to have that much taken out of his check to learn he will never pay it off. Help please
I have been charged over {$600.00} in over draft fees over the last 3 months. 

If you change the order in which the debits occurred from lowest first to highest it would eliminate most of the over drafts. Also many of the debits were less than the fee of XXXX making them no different than triple digit loan shark loans. 

PNC treats all online purchases made with a debit card as ACH which means it does n't matter if you are opted in or out of overdraft coverage, they can decide to cover the debit or not and charge the fee either way. 

All debits made on Saturday and Sunday do not process until Monday morning, which make the mobile banking part of the Virtual Walet pointless. 

NONE of the 15 over drafts I was charged were reversed even though there were circumstances that would warrant doing so
I purchased XXXX cashier 's checks at chase bank with cash. my account became overdrawn. Chase contacted the Payees and told them the check were fraudulent and would not clear as they placed a stop payment on them. Chase damaged my reputation with the vendors. They did not contact me I contacted them to ask why they told a car dealer to seize my car I just bought. The checks were bought by me for cash at Chase. I made a deposit in my account with an insurance check. the check was placed on hold, I had no reason to believe there would be an issue with a check from a major insurance company. When the funds cleared I withdrew the cash and bought the Cashier 's checks. XXXX XXXX in collections told me she told the dealer to seize my car because the check I deposited in my account was not collected. She also told me the money I withdrew was no good even though it was available. She said she was trying to mitigate any losses to Chase. If this was a collection effort it was collectable with me, not a payee. Any dispute was between CHASE and I not Chase and the payee. They had no right to contact to payee to collect anything. This matter should have been addressed to me. XXXX XXXX at Chase lied to XXXX XXXX and told them I made the check instead of purchasing it. I have attached a copy of the withdrawal slip, proving I withdrew the funds.
my morgage just transfered hands, payment was XXXX i paid XXXX every year for 20 yrs. i had insurance and taxes added to my mortgage 1.5 yrs back. it seems the old mortgage apply-ed all the $ $ to p-i only, no notice of shortage to alarm me of problem. new mortgage wants XXXX and will not apply the extra amount to loan amount and wants a XXXX per month payment for 48 months. ive spent hrs try ing to get them to correct the problem that was error-ed on their side. i know my principle is lower but extra XXXX per month is not do-able. being self employed refinancing is harder to do. along with the late fees and there demands. i stilled paid my payment but it was XXXX short do to the new amount. my old co. was greentree
I have called various times to this agency to verify my debt but they do not gove me full detail of my balance owed.
For some time now, I have informed Equifax that their reporting my account with XXXX XXXX XXXX is incorrect. Multiple supporting documents were delivered to Equifax with my dispute. Equifax responded to me saying " XXXX has confirmed the information is correct '', making XXXX the judge adjudicating that their own erroneous information is correct ... sort of like asking a defendant are you guilty?. 

( 1 ) XXXX is reporting account # XXXX as a " Charge Off '' when XXXX 's own internal account " Transaction History '' covering XX/XX/XXXX thru XX/XX/XXXX documents every one of  the 12 monthly payments were paid on time, as agreed. 

( 2 ) The Equifax report shows a " Past Due '' amount of {$5300.00} when the fact is this account is " Current '' and THERE IS NO PAST DUE BALANCE. 

( 3 ) Equifax reports the last payment reported by XXXX was XX/XX/XXXX when the verifiable facts confirm my payments have been paid on time with the most recent payment received and posted by XXXX on XX/XX/XXXX and the next payment due confirmed to be XX/XX/XXXX. 

The practice of allowing a company to confirm their own erroneously reported information is absurd and hardly an impartial " investigation ''..
Afni, Inc is  attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  or   XXXX    ) this acti on might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit rep orts. Afni, Inc are  in violation : the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character.