WillisBack/dataset-financial-user-claim huggingface dataset:
I mailed a letter t o Barclays o n  XXXX   XXXX ,  2017  about an unauthorized inquiry on my   XXXX   credit report from their company. I asked them to remove the inquiry, and to forward any documents that showed I agreed to apply for their credit. They replied with a letter, dated  XXXX   XXXX ,  2017 , saying the inquiry was valid. I did not apply for their credit and I suspect this is a result of fraud. They also failed to send any documents to verify the results of their investigation.
I am leasing from brite financial serv. On my credit report the amount on the auto loan is reflecting as if I am late on my payments because the loan amount goes up and down. This problem is cause my scoring to goes down. 
I asked a lady why is this doing this she stated that it should not reflex a balance at all since I am leasing but when I told her a balance was reflecting she did not know why. my lease end in 2020 I am trying to buy a house and this issue is not helping. Please help resolved this issue
I am in the process of closing on a home loan. Was instructed to pay this account off. So I contact Southern Management Systems and talk to a XXXX XXXX and XXXX who is the lady who picks up the phone. I came into an agreement to pay the debt but first I wanted to assure that they will give me an offer letter and a letter that I have paid the debt off once the payment has been processed. Upon me requesting these documents, XXXX XXXX 's professionalism left and he began to be extremely rude and said that he was not sending anything to me and that if I did n't like it too bad. After a back and forth moment, he just hung up. I have tried to resolve this issue but he never calls back. I also asked him if he could verify the debt and he refused. This could very well hurt my approval for my loan. I am trying to pay but they just wont work with me.
Wrote Chex system a letter to remove accounts that did not belong to me. Removed some accounts but left XXXX XXXX, which I never had a account with them. Said it was verified but never told me on who they spoke to, and not other information
For spending {$4300.00} on appliances with a new best buy credit card I earned {$430.00} in rewards. Best buy has sent increments with different expiration dates sporadically, totaling {$330.00}. Now they claim they have no records of the remaining {$100.00} balance. I would have to provide a invoice of the purchase dating back to XXXX XXXX 2015. I have moved since and everything is packed in a box under storage. Best buy is trying all efforts to not pay me what is owed.
I received an alert stating my score has decreased due to a new collection. I then went to my report to see what new collection this could possibly be. I saw the Phoenix Financial Services showed as a collection ( medical bill ). I then looked at my report because I have not had any surgeries are anything done this year. I found that this collection agency previously reported this {$500.00} collection on XX/XX/XXXX and it was placed for collection ( date assigned ) XX/XX/XXXX. 
I then called XXXX  and asked if this reporting is legal, because it is not a new collection. I gave them my report number where I found the previously reported collection and they opened a dispute for me. I had to wait until Monday to call XXXX because of the XXXX Holiday. Monday I called XXXX and was told by an agent, after giving them the report number that the collection is not showing on that report nor was it previously reported. It's only showing the XXXX report date. I advised that I have a copy of my previously pulled credit reports from XXXX of XXXX and it shows on all three reports. I was told again that it was not showing and to call the agency. I said okay and advised a copy of my report would be sent to them showing this previously reported collection that is with the same company. 
The collection agency nor I had any contact this XXXX year. So nothing has changed for this collection to be updated or re-reported. Since XXXX said this information is not showing previously and I have proof that it has, so I decided to make this complaint with CPFB. Since false information was given on both sides. 
Is this practice legal? Can the same collection agency keep updating your collection as new? This updated collection has brought my credit score down 40 something points and I know when the collection was first reported my score was hit then. is it legal to hit my credit score every time the collection agency feels like updating. Asking, is it legal for a consumer to be punished repeatedly for the same collection?
My wife and I have a joint account with Capital One. She sent a wire transfer of the balance : {$2900.00} to my XXXX account XXXX weeks ago and requested that Capital One close our account. Instead, Capital One reversed the transfer and locked the account and are refusing access for no reason. They initially claimed the wire was n't " cleared '' though XXXX confirmed there was no issue and the problem was with Capital One. There are no branch locations where we live ( XXXX ). Capital One says they will send a check in XXXX business days and that is all.
Having financial hardship after XXXX, I fell behind on my XXXX credit card. When I became financially sound, I negotiated a auto payment plan with XXXX 's collection agency. 

However, after a year of auto payments, unknown predatory collection company LVNV Funding LLC bought the debt and demanded I pay the debt in full, or they were going to sue me. 
I called XXXX and said the debt was discharged. 

LVNV harassed me for years by calling my home and work multiple times daily without providing invoices of my credit card transactions. Then, this XXXX I was wrongfully sued by a predatory law office XXXX who works for LVNV. 

After doing research, I discovered that these two company prey on working class citizens in Louisiana. So, I thought I was being scammed. 

Because I ignore the law suit and could not explain my case in Civil Court, the judge ruled in their favor. To make matters worst, Since my hands were tied, I spoke to XXXX at XXXX and told her I could negotiate after the Holidays. She ignore my request and started garnishing my wages for $ XXXX for a {$3500.00} initial debt. Now, I owe over {$8000.00} and counting. I am embarrassed to go to work. 

Because I can not pay all my monthly expenses ( mortgage, car, utilities, college tuition, medication for XXXX now, I my have file for bankruptcy. My credit score is almost 800.
Equifax was victim of a hack and they believe my information has been leaked. This is a part of the larger hacking story involving the 143,000,000 identities being leaked.
I have called numerous times with efforts of removing hard inquiries made by someone else than myself. Auto and personal loans appear and I haven't done either of the two. 

I've been told " NO '' and told they remain for 2 years BUT I can prove and have confirmations that it IS possible to remove as they're FRAUD. I do not need nor want these on my credit report as I did NOT authorize and it is indeed against the law for them to be on there as hard inquiries, they're affecting my credit and I wish to have them removed ASAP.
On XX/XX/18 I sent a dispute letter to Experian. USPS certified receipt shows it was received by Experian on XX/XX/2018. The FCRA states disputes must be validated by PHYSICAL ORIGINAL CONSUMER CONTRACTS WITH MY PERSONAL SIGNATURE ON THE RECORD. After sending several dispute letters Experian continues to reply with a rubber stamp " Verified '' using XXXX which does NOT qualify as properly validated. On XX/XX/18 I sent three validation of debt letters to the original creditors. I received no response from either creditor. I myself could not get the debts verified with two rounds of requests and over 60 days of waiting but somehow Experian continues to claim my disputes with theses same creditors were " verified '' by them. I sent proof of these failure to respond disputes with the original creditors with my dispute to Experian on XX/XX/2018. I again requested these unverifiable accounts be delete from my report. On XX/XX/18 I received a letter from Experian stating they will no longer investigate my dispute. Despite me going out of my way providing paperwork showing these negative accounts as unverifiable and inaccurate, Experian blatantly decided they are not going to abide by the law. I am trying to avoid litigation and a complaint with the attorney general which is my next step if these accounts are not deleted from my account
I received an unsolicited credit card from Chase and called them to demand that it be cancelled and make sure it is not added to my credit report. I called the XXXX credit reporting companies to report, but had difficulty with their phone menu. I reviewed my current report via the free website and did not see the card listed, but there was an inquiry from Chase to my account on XX/XX/2016. 
Chase said someone from their fraud dept would " reach out '' to me, sending some document that I was to complete and return to them. That has not come. I wrote a letter to Chase and the XXXX companies which I will attach to this complaint, if possible, insisting on a written statement from Chase that the issue has been fixed and asking for a security freeze on my report with the XXXX companies.
I used a mortgage broker to refinance a loan a few years ago named   XXXX   XXXX  . Upon closing the loan, it was sold to a third party called  XXXX . That has been the mortgage servicing bank I 've used since.
Recently, I started receiving constant robo-calls and direct calls from Flagstar Bank stating that they needed to speak to me about a very important " business matter. '' I ignored the calls as I had never heard of them before, did not have any business with them and after a   XXXX   search of their poor customer service, had no interest in working with them.
Unfortunately, unbeknownst to me -   XXXX   sold my mortgage to Flagstar, but neither bank properly notified me. They sent letters allegedly to the wrong address. They did not attempt to contact me to explain the situation and kept harrassing me that they were sending me to collections. Never explaining that they were my new loan service provider.
When I did call them, they asked me to provide them my social security number - again, not something I was going to do to a random company I never heard of. When I protested, they were incredibly rude and did not offer any explanation as to why they were continuously hounding me on the phone. I think I have at least 20 calls from them over the course of 45 days.
Net net - I 've now made payments to the bank and am in good standing. But this bank 's poor mortgage transfer communications along with their harrassing and menancing calls is unacceptable. The people at this bank should not be allowed to treat customers in this way!
I have to imagine there are guidelines in place in terms of what requirements both banks must abide by when selling and transferring a mortgage between providers.
I applied for an American Express Platinum card XX/XX/2016. The advertised offer claimed that after meeting {$3000.00} of spend within 3 months ( not inlcuding membership fees ), I would receive XXXX Membership Rewards points. I completed the minimum spend and received the XXXX points within 3 months. on XX/XX/2016, American Express removed the XXXX points from my account, stating that I violated terms and conditions, which I did not. I believe that American Express violated the terms of their offer and removed points that I earned without merit.
Ocwen is inaccurately reporting my escrow and payment information. I had a Chapter XXXX payment plan for mortgage arrears that was discharged XX/XX/XXXX. ( My loan was originally with American Home Mortgage and was transferred to Ocwen XX/XX/XXXX ). After making all on time payments to Ocwen during the payment plan, and making final cure payment to Ocwen, Ocwen still reflects the escrow shortage balance that should have been paid off XX/XX/XXXX. I contacted the trustee office which confirmed that all arrear payments had been made in full. Ocwen has not responded to my several requests for a detail accounting of my payment history since initially requesting this XX/XX/XXXX. The office of the Ombudsmen has sent me a letter each month telling me they are researching the matter, but has failed to do anything more. I just received a foreclosure prevention packet in the mail this week as well. Ocwen has since increased my mortgage payment by more than {$200.00} additional each month. I am unable to pay the bogus amounts that Ocwen is reflecting as they have added even more unexplained fees and charges to my account after the discharge with no explanation! I have sent a complaint to XXXX and the IL states attorney XXXX XXXX 's office, but have been unsuccessful thus far on getting anywhere with this case. I find it unreal that they were just sued for fraud and their unfair practices, and yet here they are again doing the very same thing. I would really appreciate your help in this matter.
XXXX  reporting multiple inaccuracies on my credit report such as unauthorized inquiries and inaccurate late payments ive submitted multiple complaints asking for it to be investigated and corrected without sucess
Equifax apparently hacked. Stated check your credit report for free. Upon entering all my information, the system said " down for maintenance ''. It is XXXX on a Saturday.
I have received endless calls from Municipal Services Bureau at random times of the day from the phone number XXXX. My phone number is on the " Do Not Call List : '' and the calls continue and wont stop from XXXX XXXX from the Municipal Services Bureau. I do not owe a debt. I want to file a complaint against Municipal Services Bureau due to constant harassment and fraud in order to collect a debt from me that I do not owe.
I filed a dispute online with CBC Credit Services Inc on two different occasions, and each time the CBC sends me a list of all of the VERY PRIVATE PROCEDURES done to myself and my child. I was under the impression that this information is confidential and I must give permission for CBC to have any of my medical records. I have received detailed medical records from me and my XXXX minor children. The information contained in these files is to be treated with the utmost confidentiality. Allowing a Credit Collection Company having my personal information regarding my children and myself is a criminal offense.
I have been writing letters and I haven't gotten any resolve. I have sent XXXX validation letters on these dates ; XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I have not gotten any paper work that states I owe them anything. The original bill was from Capital One, and all they sent me was a copy of a bill. I have asked them for a signed contract and they have yet to furnish me with anything. The amount that they say I owe is {$400.00}.
I was told by a Wells Fargo mortgage rep that I was pre-approved for a mortgage to purchase a house in XXXX, NY. I put down {$10000.00} for an earnest money deposit. Had an appraisal done and an inspection. Then I was told to be finally approved for the amount I was seeking I had to pay off my existing mortgage on my condo in XXXX, NY. My only income is XXXX social security and a XXXX pension from the USPS. I wanted the house and decided to listen to my mortgage rep and pay off the existing mortgage so I could move to XXXX where the cost of living is cheaper. My savings was already allotted to my down payment and closing costs, so I cashed in an IRA incurring a XXXX tax obligation which I figured I would pay off with the sale of my NY condo. After doing so Wells Fargo turned me down leaving me {$25000.00} in the hole, {$20000.00} for taxes plus half of my deposit and the house itself due to Wells Fargo 's incompetence. They already knew my income they should never have told me to pay off my exisiting mortgage incurring all this debt and then turned me down anyway. I would like Wells Fargo to compensate me for tax obligation and the loss of my deposit. I was a Wells Fargo customer for 25 years and when I needed them they XXXX me. Given all the negative publicity with Wells Fargo recently I feel I should be compensated. I closed my accounts and sold my Wells Fargo stock. I want nothing to do with them now if this is how they treat a customer of my faithfulness for a quarter of a century. Please do what you can. Thank you. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX
I attended XXXX XXXX University for XXXX classes, then transferred to XXXX University due to my inability to get XXXX services to correct an issue submitting assignments. Now after withdrawing from this ( for profit ) school, they are saying that I owe them for the full tuition amount. This is negatively affecting my credit rating and impeding my ability to acquire housing and employment. I am XXXX and currently unemployed and homeless and unable to pay {$5.00}, XXXX full-tuition fee.
I have filed a dispute with Equifax ( Confirmation XXXX ) and they have failed to provide documents that their company has on file which was used to verify the accounts that I have disputed. 30 days has since passed and under 611 ( 5 ) ( A ) of the FCRA they are required to delete any information that they are unable to verify in which I have disputed. Please assist me in dissolving this matter. Thank you in advance.
I have been in default of my mortgage, and since i was not able to keep up with the payments due to some unforeseen circumstances, they offered me to do a loan modification. I finally went ahead and did the modification ( even tho I was skeptical about it ) but in the process they said i would still have to make payments on my home so i would not lose it while being considered for a loan modification. I took a loan out on my XXXX OVER XXXX and flagstar said it had to be a cashiers check, well I followed every instruction that was given to me at the time, but no one ever said it is in underwriting and had then been approved until i applied the cashier check to re-instate the loan. Come to find out, I was not suppose to re-instate the loan while under a modification. my contact person said it would be okay, just keep paying the amount of the loan modification and once the trial period of XXXX months the modified loan will be determined and papers would be sent out with the new modified permanent rate, I would need to sign them once I get them and return them as soon as possible.. I paid it as instructed, this was from XXXX of 2015 until XXXX 2015. When I called loss litigation to make a payment for XXXX 2015, the rep said I have re-instated at my initial mortgage amount that I was never told about via phone or mail, email. this is an amount I am unable to pay due to my financial status, not one time before i made the lump sum payment after taking a loan out, was I told not to do so, that it would reinstate me and cancel my loan modification. now I am not sure what is going to happen. I feel i was miss-informed or better yet not informed on what not to do as oppose to what i should do. i may lose my home and plus have almost depleted my XXXX because of it. on top of that included in the fees I had to pay the late fees, which would have been forgiven if i was instructed not to pay the lump sum, and paid the attorneys fees the went through.
On my EQUIFAX credit report, there is a hard credit pull from XXXX on XX/XX/XXXX & XX/XX/XXXX. I don't recognize the name nor authorizing anyone to do a hard pull on my credit. Please help me remove it.
Citibank would not reactivate nor issue me a new Government Travel card. Citibank did not honor Local Branch statement by branch Vice President " At Citibank we realize that on an occasionally mistakes happen. We want to assure you that this incident will not reflect on your credit rating or financial history with us. '' My agency submitted the required paperwork to reactivate/reissue a new card along with a copy of this letter. The return item was a minimal amount and was paid immediately causing no past due activity.
This is a follow-up to complaint XXXX. I still have received no statement of my Selene account of any kind, or a monthly statement, or even a payment coupon. I began requesting these on XXXX XXXX, 2015. It appears I am still in foreclosure mode even though I signed their mortgage documents last XXXX. 
On XXXX XXXX, I did receive a notice of my next year of escrow, so they have my address. 
The notice informed me of an increase of {$120.00} in my mortgage payment beginning XXXX XXXX. Am I not entitled to more than a week of notice for such an increase in my monthly payment? 
It is quite clear now that Selene has a specific reason to not let me know the details of my account with them since XXXX sold it to them last XXXX.
XXXX, The last few letters I sent I listed several basic requests for information that you refused to provide. In fact, you decided to send the same exact response twice ; not the least bit clever. Ill remind you that it is illegal and punishable to purposely withhold key information relating to credit disputes and investigations. However, I see that all tradelines from my XXXX report have now been removed. As it stands, XXXX is the only credit bureau left for you or XXXX to authorize the removal of these ridiculous and fraudulent tradelines. I recently disputed the tradeline with XXXX for the 100th time, and provided proof that the tradelines were deleted from XXXX and XXXX. I 've attached the supporting documentation. Yet, your response to the credit dispute on XXXX XXXX 2017 was again the tradelines are correct and will remain. We all know this an FCRA violation- you cant report that an account is fraudulent to one credit bureau and report the same account is valid to another credit bureau. Reported information to the credit bureaus must be the same information across all three reporting agencies. Of course, I disputed the matter again on the same day with XXXX only this time I expect that you or XXXX  will remove the remaining four ( 4 ) tradelines from XXXX immediately. I understand you have no regard for consumer protection laws and believe that I will somehow magically pay off this Phantom Debt, but you are mistaken. If you have a pinch of integrity and honesty then do the right thing ; remove the tradelines. If not, I will keep fighting and disputing for however long it takes.
Capital One filed a dispute to each major credit bureau without my permission. I contacted them to inquire about a " goodwill removal '' of late payments incurred on my credit card during a time I was unemployed. I specifically stated I was not disputing the late remarks on my account and was asking only for compassion, being that I have been a customer for XXXX years. I clearly stated during the call that I did not want them to file a formal dispute with each credit bureau. The representative told me he understood my request and informed me that an " internal request '' would be made for goodwill removal of the late payments. Today, I contacted Capital One to ensure a dispute had not been filed, and in fact it has been. I was then informed by a supervisor that Capital One does not grant goodwill removal of late payments, however when I directly asked the original representative this question, he led me to believe Capital One would handle such requests on a case by case basis. Today I 've asked Capital One to correct this mistake and they state they must make a request to an internal credit department and that their mistake " might be '' corrected. Further, I 've asked Capital One for the transcript of my telephone call yesterday as proof of my original request. They have refused to provide it to me. It is easy to find other cases exactly like this with a simple internet search.
I received collection notice from Credence in XXXX Texas claiming I owe them {$1700.00} for a debt owed to XXXX XXXX in California. I have paid that debt to another collection agency XXXX XXXX also in XXXX. You have investigated this before and XXXX XXXX sent you confirmation that I had paid them.