WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I ported my cellular telephone numbers to XXXX from XXXX. After I ported my numbers over my account should have been closed as I have done this in the past and my accounts had been closed. 

XXXX did not close my account, they continued billing me for additional months of service before I realized they did not close my account until I received a bill showing a very high amount owed. 

I called XXXX and disputed that I had an active account, and explained to customer service that when I transferred my phone numbers to XXXX my account with XXXX was supposed to be cancelled and I was supposed to receive I final bill which would have been for about a week of phone service. 

The customer service reps would not help and told me I had to call them to cancel service, which seems fraudulent. 

I tried to dispute the amount and asked XXXX to adjust the bill to properly reflect when my account was cancelled. They refused and said I had to pay for additional months of service when I did not have phone service. 

I then requested that a manager contact me so I could discuss with the manager further, the manager never contacted me. Instead they sent it to a collection agency that I believe was named XXXX. 

I disputed this debt with XXXX and explained the reasoning. 

As of XX/XX/XXXX I received a collection letter from a different collection agency named ERC, address of XXXX, FL XXXX The new agency did not review my past dispute of the debt to correct the issues, It is believed XXXX did not review my dispute and instead sent the debt which is not valid to another collection agency. 

The reference Number that ERC gives me for the debt is XXXX.
After spending over a year in court defending my income property against a foreclosure, I lost to Wells Fargo Bank ( for XXXX ), but was offered a loan modification in lieu of an appeal, so I complied with the application process for a loan modification. I was shortly there-after denied a modification, with the reason stated being, " The owner of your loan does not allow modifications ''. I complained to the lender 's lawyer who offered the option of modification and received an email from the lawyer stating that the lender was working on a special modification for me. After months and months and mounds of paperwork, I was again denied the modification for the same reason, " the XXXX of your loan does not allow loan modifications ''. I contacted my state 's Attorney General to complain of these unfair and illegal lending practices, I was given the advise to contact the CFPB. I have all documentation of the email correspondence from their lawyer stating I was being given a special loan modification by the lender as well as both denial letters stating their reason for the denial, as mentioned above. Denial # XXXX was received around XX/XX/2016 with the final denial being received by me on the XX/XX/2016. Their final denial letter asks that I respond no later than the XX/XX/2016 with an answer of whether or not I would like to proceed with a short sale or a Deed in XXXX of XXXX. I intend to reject both offers, as I should be able to easily qualify for the XXXX loan. The XXXX loan option is what the lender 's loan servicer 's paperwork stated was the type of loan mod they were originally seeking for my property. I should easily qualify for this loan because my property is an income property. It generates {$800.00} monthly rents, plus I have an income of my own. My mortgage for this home is about {$950.00} per month. I believe the lender never intended on granting me anything other than a foreclosure and have just been wasting my time with paperwork and lies. These are unfair and illegal lending practices. The lender should be prosecuted for such business practices. However I have already exhausted my means for fighting in court as I have spent a year fighting the lender in XXXX court already.
I filed a complaint against Equifax on XX/XX/2016 with the CFPB # XXXX. They and said they needed 30 days to investigate. 30 days is up. No contact from them and no credit report. what do I do now?
I 'm following up on the complaint I originally submitted against Wells Fargo. When they purchased my loan, according to my legal/signed HUD agreement, they were to collect tax payments to pay my taxes. They did not, nor did they notify me that they were n't paying them. They now have paid my taxes and have now raised my mortgage payment to over double what I am paying now, which I can not afford! It was their fault - THEY did n't abide by my legal, signed HUD contract - they need to spread my tax payments out over several years so that it 's affordable for me!
I am an authorized user on a XXXX XXXX/Wells Fargo account. I disputed inaccurate reporting on an over 30 day delinquency that was reported in XX/XX/XXXX. As a result, the update that was sent to XXXX   was a Charge-off of XXXX in XX/XX/XXXX. First, I was not contacted that the account was past due or that I was responsible for the payments. Second, the obligor filed bankruptcy in XX/XX/XXXX. In XXXX, the obligor attempted to log in to Wells Fargo 's portal to get the amount due but was locked out due to the bankruptcy filing. When the obligor contacted wells fargo, was advised that they could not speak with him. Per page 6-19 of the XXXX Credit Reporting Resource Guide, Authorized Users on  accounts included in a bankruptcy petition should either be terminated or deleted from the account because they are not contractually liable for payments. The inaccurate reporting is a violation of the FCRA. I have attempted to contact Wells Fargo, but was advised that they can not talk with me. If this item is not removed to from my credit, I will consult my attorney to take further action regarding inaccurate reporting. I never applied for credit with XXXX/Wells Fargo therefor I am not liable for the payments. My credit score has dropped 60 points due to the charge-off.
Tired to cash a check of {$5000.00} dollars with B.O.A.!! Customer since 1995. Due to relationship with the Bank I could not. Check needed to be deposited. ( I also have two direct deposit accounts ). Don't know if the " Bank '' is catering to the " rich '' or if " racial profiling '' is the issue. In any event I felt that I was being targeted or punished due to past relationship. Not really looking for resolution as much as wanting my issue to be heard. Ty XXXX
this issue backs from XX/XX/XXXX when XXXX  XXXX XXXX did split an {$7100.00} credit card in two, one in dispute are XXXX sent to XXXX XXXX  in XXXX. While dispute with XXXX XXXX XXXX the split that cause unfair negative information on my credit report and they not take any positive attitude or had answer interest came compound that debit reached {$3100.00} reported on XXXX  and XXXX  XXXX XXXX for certain amount of time and at same time, how could be that when XXXX  XXXX XXXX reported sent to XXXX? 
More recently year by end year XXXX I contact XXXX to make an arrangement to pay that debit to clear my unfair debit, I did paid the amount with Bank receipt by XX/XX/XXXX the total amount. XXXX does report my credit card activity on Experian card account # ending in XXXX, the they state in their letter " your credit card # ending in XXXX ( the one that did carried debit amount ) is assigned to this account number being reported to the agencies. This account was transferred from XXXX XXXX XXXX " XXXX never reported payment to Experian even after I called the Bank to do so, as show on my credit history, appear incorrect ND and CO. Experian only state my comments. 
XXXX XXXX, always send a letter to me after I do request them to report Experian and fix the problem and last said on second paragraph " ... .XXXX reported this account as a paid charge off. Per Experian, this account is reporting as a paid charge off '', my question are, is it Experian will report to the Bank to say how the Bank will state on letter or the Bank will report to Agency? Why the Bank does not report paid as agreed on arrangements their letter dated XX/XX/XXXX? Charge off or Written off are considerate by Experian not paid to first creditor, But, never was first creditor or third parties, this were a new credit card sent by XXXX while ( XXXX ) kept another on XXXX   XXXX XXXX. Why XXXX never report to Experian? All this are unfair and hurt me with no reason at all, I believe there nobody that take the right attitude to do so.
My parents got reverse mortgage XX/XX/XXXX father died XX/XX/XXXX I moved bk in home with mom XXXX later she died in home when I left state after my son died. Soposidly mom told me rev morg was takin care Ov? My heath problems with unable to work.son moved in with me he heath problems ambulance was here time for him he was unresponsive 3ov those times have no place go no money do n't no what do this is myfamiley home goin to up for forcscloser XX/XX/XXXX help
1 ) I have sent letters to the credit reporting agencies : XXXX, XXXX, and Experian, in XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX in regards to multiple accounts that are out of the statue of Limitations in the amounts of {$7900.00}, {$5200.00} and {$780.00}. 2 ) The companies have sent  automatic been verified letter, but none of the companies have responded to my request with documentation or evidence. I have also called them multiple times with the requests to have the accounts removed. The requests were denied. 
My next step is to start a litigation again the three major credit reporting agencies.
I currently paid off the mortgage with Ditech. The payment was processed with a late fee of XXXX. I called to get additional information and was told that this was assessed from XX/XX/XXXX? I am not sure how I was assessed in XX/XX/XXXX with a payoff and charged additional fees.

In XX/XX/XXXX, they sent me a notice that my escrow was short. I sent in the amount they requested, the funds were applied incorrectly and was charged late fees again. I sent the payment in with the payment coupon they provided with my escrow analysis? I had to call 2-3 times to get it applied correctly. Everything was cleared up and my account was corrected. I received statements for XX/XX/XXXX and XX/XX/XXXX with no late fees? Now when I pay it off in XX/XX/XXXX there are late fees??

They have reported my account late to credit reports over these fictitious late fees.
I have two inquiries on my Transunion Credit Report which I didn't authorized the inquiries are XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX I want both inquiries removed from my credit report.
My customer account rep. was very rude and disrespectful. I have never been talked to and treated so poorly by a company. First mortgage company out of all the mortgage companies that our loan has been bought out by. The account rep. refused to set up a payment arrangement for me to make a payment on the XXXX day past my due date. I explained to them that the last couple months had been financially hard. She did not care and began to tell me, how that 's no excuse and lecture me on how and what I should be paying with my income. That she has XXXX kids and a single mother and would n't let me get a word in edge wide ... I told them the soonest I could make my payment for XXXX XXXX would be XXXX XXXX and that I could make my XXXX payment on the XXXX of XXXX. She said that was unacceptable and that I needed to start calling family and friends to borrow money, when getting off the phone she says in a very smart tone " good luck ''! WOW, worst company ever!!! No trying to help the customer stay in their home and help them get caught up on payments! Its almost like they enjoy telling you that they will start foreclosure ... .to beat it all she called back several times and said the same things over to me, lecturing me on how to handle my finances, that she has no clue about my personal finances and even had the nerve to ask me, " how much I spent on my kids XXXX? ". The few months I have been with them I could write a book on all the unprofessional, unethical things that they have done! WOULD NOT RECOMMEND AND WOULD NOT BE WITH COMPANY HAD THEY NOT BOUGHT OUT GREENTREE!!!
Central Mortgage Company ( CMC ) can not process my payment correctly. My monthly payment is {$3100.00} due on XXXX of month. I made XXXX separate payments from XXXX checking accounts, XXXX for {$2000.00}, the other for {$1100.00}, so the total adds up to my full payment. Both payments arrived on XXXX/XXXX/2015 on time, but CMC returned my payment saying it 's partial. The check they sent me for the returned payment is the full amount of {$3100.00}. I called them, and they 've confirmed their system ca n't handle the XXXX payments if they are separate even though both arrived on the same day. I do n't think their payment processing is up to the standard. It completely does not make sense to return my full payment in XXXX check and saying it 's not a full payment.
The account was opened XX/XX/XXXX with XXXX XXXX XXXX by my then fiance without my knowing and i had no clue that the account was opened until after we were divorced in XX/XX/XXXX and i found out after the dissolution was made. The file was sold to Midland Funding LLC and i never received notice that it was in debt of {$720.00} and now being sued
Hello ; and how are you doing on today. My ongoing complaint is, that on numerous occasions. I have been denied credit and i sent in the denial letter, from the creditor, that denied me, to Equifax and on each occasion, i have not received my credit report in the mail.I have tried to retrieve, my credit report online, on their web-site and the problem insist. I called their telephone number, and i was promised, that i would receive my credit report in the mail ; and as of Today. I still haven't received my credit report. This has been an ongoing problem, with Me and Equifax, in pertain with my credit report. Something, has to be done. I am also writing my State Leaders in regards to this matter. Thanks
First and foremost the person who called me was very rude and did not let me even speak. He was giving me attitude and was n't very informative nor was he professional. I was late for work and asked him if he was able to contact me at a different time, he refused to do so and demanded I speak to him despite the fact of me missing my train. They were not able to provide what it was actually about. Also the gentleman asked me to verify my last XXXX digits of my social security number, I refused because at the time he had n't even told me where he was calling from or what it was regarding! He had n't advised me that they were trying to collect a debt, or anything just kept on demanding that I provide me the last XXXX digits to my social. He then proceeded by telling me that he had my social security number in front of him and then continued by reciting my 1st XXXX digits of my social security number! I was appalled and shocked that he would do something like that. That was my personal information he was sharing out, what if it had not been me? They continuously harass my boyfriend, which I do not even know how they obtained his number seeing how I did n't even know that he existed at the time they claim the date was. They stated that they use a " very powerful search engine ''. If so then how come no bill was sent to my correct address or how come they did not call MY number? I was APALLED at how I was spoken to. I then proceeded to try and get as much information as possible, leaving me to still scratch my head. My boyfriend was harassed, my personal information was given to me over the phone before verifying it was even me, I was spoken to horribly, Not enough information was given.
Hi CFPB, Hope all is well. I am writing regarding my Wells Fargo credit card. It is ironic, now after the truth surfaced regarding the questionable Wells Fargo 's moral compass. I have solicited WF 's help multiple times over the course of the past couple of years, stating over and over how I never needed the card, and barely use it anymore. I was paying the minimum, which is an acceptable form of payment, unless of course the exorbitant interest charges and " late '' fees continue to accrue. Not to mention they reduced my credit limit WITHOUT my consent, seriously damaging my credit. I asked in XXXX of this year what my options were, specifically expressing interest in a balance transfer, or the card they partnered with XXXX. ANTHING to help. While I will give WF credit on their customer service in other areas, I am so disappointed after being a loyal customer for 15+ years there is no option,
I used BB & Ts online bill pay to pay my mortgage and was told after the fact that they would send a paper check. In a nutshell my mortgage company said they never received the check and I had to make my payment online directly with them but was advised to put a stop payment on the check first. I called my bank and asked the bank manager to put a stop payment on it and was informed I had to pay the {$30.00} stop payment fee. Since this was not my fault I feel I should not have to pay it. I will enclose a copy of my online transaction proving I attempted to make the payment on theXX/XX/XXXX. Since the bank issued the check they should have to waive the {$30.00} stop payment fee since I wasn't the one to lose the check - either they did or XXXX XXXX  did.
I was contacted by phone by a company called D2 Management in, XX/XX/XXXX about a {$980.00} debt that I owed. They stated my wages would be garnished because of the amount of the debt, but, I could stop wage garnishment by paying a {$200.00} settlement amount. They emailed me the Final Notice with IRS CODE 26 U.S.C. 108 : US CODE SECTIO 108. So with in XXXX weeks I paid the settlement of {$200.00} and the company emailed me a settle letter. It wasnt until XX/XX/XXXX, as all of the new internet scams starting happening that I realized, the debt collection notice and phone call I received could have been a scam too. I instantly checked my credit reports from XXXX, XXXX and XXXX. No where did I see the debt amount of {$980.00} from D2 Management or a payment of {$200.00} to D2 Management. So then I called D2 Management and i spoke to XXXX. When I asked him, who the original creditor was, he stated " XXXX XXXX, you already know that infomation. '' He refused to provide me with any information about who I originally incurred the debt with. He did n't even give me a time frame or date.
I contacted my mortgage company in XXXX to seek assistance in avoiding going into default on my mortgage payments, or worst case losing my home. I purchased my home in XXXX and lived there until I XXXX. I was able to rent my home the entire time I was away and once I returned the renters decided to XXXX to a different state. From XXXX of XXXX until XXXX of XXXX I was not able to rent/sale the home. I had applied for a Hardship loan modification and was denied, then I tried to short sale and was denied, and finally after applying for a Deed -in- Lieu, I was again denied. The home was finally rented in XXXX of XXXX, but the mortgage company moved to foreclose on my home. I had to hire a third party home assistance company to assist in saving my home from foreclosure. The night prior to my home being sold ( with renters living inside ), the third party I had hired stopped the mortgage company from foreclosing on my home, due to my XXXX XXXX status. I was then notified by the third party company I had hired that a loan modification had been approved and that my new loan payments would begin XXXX XXXX XXXX. I had not received any documentation or correspondence confirming this approval, so I contacted the mortgage company to confirm the approval and to confirm payment. I was not able to reach my case manager for this company and I was told by another loan officer that the loan modification had in fact been denied, due to no response on my part. I contacted the third party company with this news as well as my attorney and it was discovered that the mortgage company had NOT sent out the proper documentation for the loan modification and no contact had been attempted to reach me or the third party company that I had hired. The mortgage company, after being confronted with all of this recognized the failure on their part but still has not taken my home out of default or sent confirmation of the loan modification approval. I have contacted my VA loan representative in this case and to date, the mortgage company has not sent in any updates or record of my XXXX payment which was received XXXX XXXX XXXX. I still do not know that confirmed status of my case.
Macys XXXX has placed me on electronic billing statements without my permission several times. I have gone to their website to request paper statements to just be switched back to electronic statements a few months later without my request. Being that Macys spams my email account several times a day with unwanted marketing material, I opt out of their emails which removes Macys.com from my email box and therefore electronic statements never make it to me. This has happened twice in 18 months which resulted in 2, XXXX lates reporting to my credit reports over the last 18 months. Macys customer site for their consumer charge card is confusing and uses multiple pop ups trying to trick the consumer into electronic statements without the consumer understanding.
XXXX XXXX XXXX has reported to the credit bureaus I was late 120-180 days mortgage payments for each month in XXXX XXXX. Contacted them and they asked for bank records that dispute their reporting. I provided it XXXX/XXXX/XXXX and they responded that they were not going to change their reported although the bank records indicated I was on time and actually a month ahead by mid XXXX. They suggested we take it up with the credit agencies. This has not only impacted my credit score buy my ability to secure another home. Currently trying to contact TransUnion, XXXX, and XXXX to mitigate the negative situation. Numerous attempts with XXXX failed to achieve any resolution. Will never do business with them again.
There Is a debt Owed of {$170.00} to Collection Agency, XXXX XXXX XXXX XXXX, XXXX, WA. XXXX on My Credit report. No Idea what {$170.00} Is for?