WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXXXXXX I disputed a XXXX account when I noticed it on my credit report. Mid XXXXXXXX Early XX/XX/XXXXXXXX I received a phone call from a debt collector stating that I owe {$1100.00} to XXXX. I told the debt collector that I 'm disputing this debt and submitted in writing for them send me information for this debt to which I never received. XX/XX/XXXXXXXX I pulled my credit report and saw this debt was still being reported to both Experian and XXXX . Again, I submitted a dispute to both credit bureaus requesting more information about this debt and I still have n't received. XX/XX/XXXXXXXX I checked my credit report again and not only is this item still on the same two credit reports but XXXX re-aged this account to make it appear more recent. As a result, this account is showing on my credit report as 1 month past due, a charge off and my credit score dropped at total of XXXX points on Experian and XXXX. I 'm not sure how this can be especially considering that this account has been in dispute since XXXX. Negative re-aging completely illegal and is in violation of the Fair Credit Reporting Act.
I became XXXX in XX/XX/XXXX. All my reserves were spent on medical costs. Missed a payment on my mortgage XXXX. Rec 'd notice of intent to foreclose from XXXX XXXX. Vacated the house, in anticipation of foreclosure. Filed bankruptcy XXXX, discharged XXXX. XXXX XXXX XXXX completely disregarded the bankruptcy and continued to try to persuade me to pay the mortgage, until XX/XX/XXXX, when they sold the mortgage to Nationstar. Nationstar continued to send me statements on a nonexistent mortgage. Both companies applied homeowners insurance to the property and told me I was responsible for that debt, too. XXXX XXXX XXXX went so far as to put retroactive homeowners insurance debt on the property, dating back to at least a year before I stopped paying the insurance myself ; also dated before the bankruptcy by XXXX months. They applied an {$11000.00} lien onto the mortgage, as well. I contacted the Comptroller of the Currency with my complaint with complete detail and, after many months was told that I still needed to pay XXXX XXXX XXXX, regardless of the bankruptcy. This week I received a letter from something called XXXX XXXX XXXX, which claims to be working for XXXX. It appears they are starting the whole process of trying to collect on a loan that does n't exist. I am still XXXX and unable to work. Every month is a struggle to make the Social Security XXXX, now Social Security due to my age, last more than a few days into the month. These banks need to leave me alone. XXXX XXXX XXXX should never have sold this nonexistent mortgage. I communicated all of this information to XXXX XXXX XXXX, countless times, and then, to Nationstar. Every time I receive a communication from these people, I am reminded of everything I 've lost due to my illness. The grief is unending. I do n't need to be harassed by banks that must have real business to attend to.
Calvary spv. I Llc mailed me a court judgment / entry default in the amount of XXXX. 

I do not perfect this and have never received any collection notices nor phone calls. 
I was never served with a complaint.
Was called for loan. then called lender and they said I would have to pay a returnable fee of {$180.00}. Sent money by XXXX card from XXXX and the loan of {$3000.00} was not put into account as promised by lender.
This is my XXXX day ... Went to TD Bank on XXXX and XXXX XXXX pa.. Walking in to try to speak with customer service. Mind you just to get a replacement card now as we speak I 've been here for 1hr and half.. Still have n't been seen they have multiple tellers but XXXX customer service rep and she acts like she does n't want to even be here. I do n't understand I 've been to a few of your branches pa, ny but this XXXX is XXXX of the worst I 've ever been to.. XXXX to say the fact I need my card to get my money but another day I will go with out XXXX or I will have to go out my way to go to another brand .. XXXXpeople just walked out and yesterday was the same I thought if u come early maybe it would be different well it 's not .. Someone needs to come really see the mess Thts here : /. Because it 's a lot of people in need of a job if they do n't want to work ..
XXXX XXXX, I sent for my free annual credit reports. I received XXXX and XXXX, but nothing from Equifax. 

XXXX XXXX, XXXX I was denied for a loan based on information in an Equifax report. I finally spoke to someone on XXXX/XXXX/XXXX, explained what happened and again requested a copy of my Equifax Credit Report to correct any wrong information they have. I was given confirmation number : XXXX Still, I have not received anything.
I requested validation of bankruptcy reference # XXXX on my credit report from Transunion and Transunion sent me a letter stating that they verified the bankruptcy record through XXXX XXXX. I contacted XXXX XXXX and requested a report of everyone who has requested my public records and Transunion Credit bureau was not listed as one of the ones who requested validation or verification of the public record. See attracted report for validation of my claim. 
Therefore XXXX has never requested validation and has violated the FCRA by not provided me with viable validation bearing my signature to validate that this public records belong to me.
I have payed my ( on time ) mortgage for my home since XX/XX/XXXX, XX/XX/XXXX, I payed off my car in a year ( at my credit Union ) and payed down my credit card with a XXXX. I applied for a XXXX at my credit Union and found to my credit score was XXXX. So, I ask for the report, they ca n't give it to me. I apply for my report online and I ca n't see my report, but these " things '' ( lies ) disparaging discrepancies are being held against me, I even applied for a XXXX card and was denied because of incorrect trade-line information.
I was notified in XX/XX/XXXX by XXXX that this this collection agency reported to XXXX Date reported : XX/XX/2015 Reporting Agency XXXX Company : EPN INC/CHECKNET Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Balance : {$100.00}. Telephone : XXXX Type : Collection Services - Miscellaneous Company Bureau ID : XXXX immediately called this company the same day and they could not locate me in their data base. They had no current address and had an address on me when I lived in XXXX and no current phone number. I moved from XXXX over XXXX years ago. I gave them the current address and current phone number. This collection agency informed me that the XXXX supplies have been lost in the mail and that I owed XXXX dollars. I was forced to paid this account off because they were also reporting to XXXX. 

I had no way of knowing this had occurred and feel I was not notified by this collection agency in time or given sufficient time to pay this off or handle this account. If privacy assist had not notified me of XXXX reporting I would never had known. I also noticed when I went to view the initial posting in early XX/XX/XXXX certain information were not there on XXXX such as my current address address and that the reporting agency made the report to XXXX in XXXX 2015 during this time I lived in XXXX 

XXXX has XXXX back to clean up its tracks because I reported their negligence and harmful actions to the consumer protection agency. I had credit score over XXXX in XXXX and now XXXX has dropped my credit score to XXXX from XXXX reported today XXXX/XXXX/2015 my new address in XXXX. XXXX also have added to my account that the collection agency reported this to them in XXXX 2015 which I had no notification on from the collection agency. If that was true then XXXX would have notified me. There is no reason for XXXX to hold onto a collection and just now posting it because they are just receiving it from a collection agency that did not try to locate me or give me sufficient time to make payments if so. 

I complain that 1. The collection action did in fact fail in their policies to contact me and did not have my name or records on file just a XXXX address. 

complaint no. 2. XXXX has backed track to cover their tracks and placed false information on my credit report to the fact that they ( XXXX ) received the discrepancy in XXXX 2015 because they ( XXXX ) was reported to the Consumer protection. 
Complaint 3 : The collection company should have called XXXX and XXXX and notified them of the discrepancy in my personal information that I had paid XXXX immediately upon being informed of the collection. 

I feel I am due a refund from the collection agency because I never received any supplies as I have told them AND the XXXX harmful remarks about collections removed from my XXXX and XXXX. 

Thank youXXXX XXXX XXXXXXXX
Equifax is reporting incorrect information on my credit report on XXXX different creditors trade lines. I have tried multiple times to submit a dispute online on their website but it keeps giving me a message that says " We are currently unable to process your request!. The information you have provided does not match our records ; therefore we are unable to process your request online '' I have tried multiple times to call Equifax but have held for as long as XXXX hour without getting anybody on the phone. I assume this is because of the high volume of calls that they are receiving due to their security breach. Out of the XXXX major credit bureaus, Equifax is the only XXXX that is reporting this information incorrectly. I am extremely frustrated that I have been unable to resolve this and need your assistance as consumers should not have to get this type of runaround when trying to get something on their credit report resolved.
Experian is unwilling to let me dispute clear and mistakable errors reporting on my credit report. I have personal information that is not mine and a error on an account that is not reporting correctly that I want corrected immediately.
We purchased a car from XXXX XXXX, XXXX XXXX, CA on XX/XX/XXXX. We paid cash for the vehicle and made it clear to the dealership at all times that it was our intention to pay cash. The dealership refused to take cash without getting a credit score. I provided them with my drivers license and SSN so that they could verify my credit score. Instead they ran a hard inquiry for a loan. This inquiry will remain on my credit report for two years. I spoke with XXXX in Sales at XXXX XXXX who said it was company policy to run the credit inquiry as a loan request even if no loan were needed. 

I asked him to correct the info to reflect that we did not request a loan. He refused. 

I called back and asked to speak to someone in the finance dept. I was told that there was no one else who could address my concern. 

While the dealership is certainly within its rights to protect itself, it is deceptive to put info into the system that we applied for a loan and to have it remain in the system for two years when that information is false. 

I would like the dealership to correct the misinformation that it put on my credit report.
On XX/XX/2018 Transunion Credit Reporting Company intentionally locked me out of my ability to see my free credit report provided to me as part of my XXXX XXXX   member services. They have done this on multiple occasion. They then require me to call them and insisted on making me provide them My Social Security Number, Date of Birth, last three previous residences and other important and private credit  information. The first agent said I gave them incorrect information and they made me provide this same information to a supervisor. After correctly giving them the information they refused to allow me to see my credit report.
Somebody stole my card it had my pin behind it and now a lot of transactions was made which it wasnt me at all I called the bank and let them know about it cause it wasnt me and now cause of them I cant open a new bank account.
I have disputed the Online Information Service Company asking for VALIDATION not verification. I've followed up with this collection agency with 3 verification letters on XX/XX/18, XX/XX/18, XX/XX/18. THEY HAVE YET SENT ME THE ORIGINAL INSTRUMENTS OF INDEBTEDNESS IN ITS ORIGINAL FORM, instead they keep sending me a bill and keep overlooking are ignoring my request to confirm it. I have also sent three rounds of letters to dispute the account information at as inaccurate with all three disputes the credit bureaus kept stating that the collection has been verified and is accurate this debt. How is that possible? Under the law of the FDCPA, I have contacted the collection agent and the orignal clients myself and has been unable to get them to verify that this is indeed my debt or yet has since sent me the original instruments of indebtedness in its original form. I've also demand the credit bureau to investigate properly rather than using XXXX 's system. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit bureau are required by federal law to verify through the physical verification of the orignal signed consumer contract- any and all accounts posted on a credit report.
Trying to get pay off balance for a VA loan from Selene Finance and given conflicting answers and no follow up correspondence. I was told they can not send emails to confirm request was received as they monitor everything internally, so unfortunately they hold all access to information and you are unable to confirm its accuracy. Could not even produce amount of interest owed each day of loan. Our title office trying to conduct businesses with them have ran into several issues as well, such as being told no one monitors the fax anymore even though it is provided as an avenue of correspondence.
This complaint is a follow up to complaint number XXXX. 
As requested, XXXX XXXX from Citibank 's executive response called to discuss Citibank 's mishandling of its cashier checks. XXXX XXXX was polite and attentive while ( understandably ) careful not to acknowledge wrongdoing on the bank 's part. At the end of the conversation, we agreed that the complaint could be closed with no further action required. 

The matter should have ended there. However, instead of being closed, the complaint ( # XXXX ) was marked as a DUPLICATE in contradiction of the XXXX ' 2016 definition ( 5.4.4 ) ... a complaint " that does not describe or include any new issue, instance, or information ''. 

The only purpose -- that I can discern -- for designating the complaint as a duplicate is its removal from the CFPB 's database. Since one of the goals of the Dodd-Frank act was to hold financial institutions accountable, removal of pertinent consumer complaints clearly subverts the interests of Congress and consumers. 

The complaint is copied below to put it back in the record. 

COMPLAINT NUMBER XXXX This is a follow up to complaint XXXX in which Citibank failed to address any of my questions. They simply repeated previously supplied information. It appears that Citibank 's policy is ignore questions unless a new CFPB complaint is filed, which I'm happy to do until the situation is resolved. I have repeatedly requested to be allowed to discuss the issues with a supervising manager -- specifically to understand why Citibank created an unnecessary five month delay to supplying me with the information needed to recover {$10000.00} in cashier checks, and whether it is Citibank 's policy to have employees lie to their customers. The process was filled with broken commitments and lies ... and Citibank 's response regarding XXXX XXXX 's deliberately misleading information in which he adamantly denied that Citibank did not have the necessary information ( they did ), and that, even if Citibank had these records, they would not give it to me ( which was also not true ) was ... " please be assured that your experience ( with XXXX XXXX ) has been brought to the attention of management '' -- is wholly deficient considering the repeated hollow assurances from Citibank documented in my previous complaint. Although I finally received the necessary information, it took five months, numerous unanswered emails and and two CFPB complaints. I will continue filing complaints until I've had the opportunity to talk to a bank official about this matter.
I signed up for the Amazon.com store card, as it offered an interest-free special financing deal for 12 months, which seemed like a smart way to make an investment in new tools for the business. 

I made the purchases over time time period XX/XX/XXXX. I then received a bill over the XXXX Holiday, over which I was out of town and then slammed working 12 hour days. When I finally had a moment to check bills, I saw that Amazon had issued a bill that somehow had a due date of XX/XX/2016 -- less than 30 days after the purchase was made, giving nearly no time to pay the bill before the account went delinquent, a late fee was charged, the special financing turned into penalty financing, and collections agents began calling me. 

To me, that is a predatory lending practice that utterly violates the 30-day rule on credit card billing for consumer purposes in the United States. I will be closing this account and never doing business with Synchrony Bank / Amazon again. 

However, I would also like the CFPB to look into this case very closely, as I believe this may be a predatory lending institution out to fleece larger numbers of unsuspecting Amazon customers, with no intent of ever sticking to fair and honorable business practices.
XXXX XXXX XXXX is trying to collect {$130.00} from me for a termination fee on a mini iPad. I have my receipts given at time of. Sale that clearly show termination fee of {$0.00}. About six hours after the purchase, I received a new contract via email that I did not agree to. This new contract contains a termination fee and my signature is forged on the contract and it 's clearly not mine. I went to XXXX and they told XXXX XXXX XXXX that I did not owe the fee but XXXX XXXX XXXX has pursued me for it. They have now turned it over to a collection agency to collect. The collection company is Prince-PARKER & Associates, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX. This company notified me by mail on XXXX XXXX, 2016. I replied on XXXX XXXX, 2016 stating that I do not owe this debt and included the receipts showing that I do not owe. Since then I have emailed them 5 times asking for proof of the debt and included my receipts. They have never replied to me as of this date. I believe they are in violation of Debt Collection laws as they will not respond to me, they will not supply proof that I owe the debt, they will not do anything. Today I called them and was given the excuse that they sent my paperwork back to XXXX XXXX XXXX and waiting for a response from them. That is not the way the law governing collection works. Today they also told me that XXXX XXXX XXXX says I owe the debt and will be " coming after me ''. They were quite nasty and threatening to me, a XXXX person XXXX. They told me they would come to my home in a very threatening manner. 
I pay all my bills on time and currently have a credit score of XXXX. I told them if they damage my credit I will sue they. I was told that they wo n't damage my credit but they will DESTROY it!! I classify this as harassment, again a violation of the law. PLEASE USE THIS AS AN OFFICIAL COMPLAINT AGAINST THIS DEBTOR COLLECTOR. I have never had a debt collection letter in my life but I 'm not going to pay something that I do not owe.
XXXX XXXX XXXX replied back to complaint XXXX file on XX/XX/XXXX back to the Consumer Financial Bureau by Company Responded saying on XX/XX/XXXX request to the credit bureaus for removal of any information concerning the debt.
Good afternoon, I have a complaint against Wells Fargo Mortgage. My realtor submitted an offer two months ago. It 's been an ordeal. We have complied with every piece of information and at times sent documents two and three times to them. There 's a foreclosure date set for XXXX XXXX and we have a buyer, actually now a second contract. Yesterday, I asked to speak with a manager and all of a sudden one of the key documents appeared ( the appraisal ). After many attempts at reaching XXXX XXXX, the short sale agent, she sends an email now stating she 's waiting on the title and some sort of document because there was a variance on the appraisal. With all the hardship I have been encountering, at times I feel their intentions are " not too help '', but to foreclose. I need your assistance please in obtaining approval letter of the short sale and contract pending an removal of sale of my home so we can close at some later date on my property. 

I thank you from the bottom of my
I am still having issues with Equifax updating my credit report. They are still showing a student loan which is no longer open. I Feel that Equifax is also artificially holding down my credit to force me to pay higher interest rates. Since I have received an updated credit report XX/XX/2017. I am seeking an attorney for a law suite as well as forwarding this and my credit report to both U.S General Attorney and General Attorney of Nevada.
Receivables Performance in XXXX, WA has a " Collection/Chargeoff '' placed on my XXXX  credit report. This is my elderly Fathers account which I have settled for him. I sent proof to the collection company but they refuse to remove the chargeoff placed on my credit report. I have contacted XXXX but they will not remove it without Receivables Performance consent.
I have a mortgage with wells fargo. my house burned down. I have had nothing but a bad experience with wells fargo in dealing with this great loss. I have multiple complaints  1 ) Wells far go is holding  XXXX  from the insurance company. They will only p rovide 1/3 of the funds until 1/2 of th e house is complete. I have demonstrated strong financial situation . ( high salary, high 401K, hig h equity in  XXXX  home, high equity after construction ). I have asked to continue to receive disbursements of my funds as I demonstrate that the initial funds have been applied to the build of the house. If I run short at the end of the project, I will eliminate " nice to have '' finishes from the contract.  <P/> Wells fargo continues to say no. They will not release any more funds until I am at 50 % complete. They do n't offer construction loans, they wont give me a line of credit/refinance on my  XXXX  home. It does n't benefit wells fargo to have a property sit in a burned down state because they wont give me the funds, unless they are hoping that I will default and they get to take over the property.  <P/>  2 ) The property loss department requires an overhaul. I talked to them at least 20 times and they never informed me that wells would only pay out 1/3 of the insurance money and would not give me the rest of the money until I had 1/2 of the house completed. Do they do this on purpose so I would end up in the situation I am in? People do n't know what to do when they have a total loss tragedy. Should n't wells fargo play a role in informing the customer that they will be hold ing all of these insurance funds but will NOT disburse them ( so I could have gone to  XXXX    XXXX   earlier ... ..when I was n't in a crunch to get the funds? ) Does wells just want to keep making interest as long as possible and does n't really care about its clients?? again ... .so unethical.  <P/>  2 ) Wells f argo continues to refuse to tell me what 50 % complete means. they say they will distribute more funds when they are 50 % complete but they have me on their recorded lines begging for a definition of 50 % complete and they continue to say they will get back to me with that definition and they never do. is this a scam as well? will they still not give me the funds when the contractor says I am at 50 % complete. will they find some excuse at that point to hold the funds as long as possible?