WillisBack/dataset-financial-user-claim huggingface dataset:
Received two letters from XXXX stating that my accounts with XXXX XXXX were being sold to a collection agency XXXX XXXX XXXX. Acct ending in XXXX had a balance of {$3300.00} and acct ending in XXXX had a balance of {$3400.00} according to the letters. I reviewed my credit report with the XXXX credit Bureaus XXXX, XXXX and Experian and noticed that the amounts and dates reflected on my reports were different than what the letter stated and that XXXX was also reporting as a separate account from XXXX on my XXXX report which made it seem like I had XXXX past due accounts instead of just XXXX. XXXX reports shows as follows : XXXX acct ending in XXXX balance {$3600.00} opened XX/XX/XXXX, XXXX acct ending in XXXX, balance {$3500.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} XXXX shows both XXXX accts the same as XXXX but no XX/XX/XXXX accts. 
Experian shows no XXXX accounts but the XXXX shows as follows : XXXX acct ending in XXXX balance {$3500.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} opened XX/XX/XXXX None of the amounts reported to the credit bureaus match the amounts listed on the letters I received in the mail from XX/XX/XXXX. I never signed a contract with XX/XX/XXXX and my account with XXXX was included in a chapter XXXX bankruptcy that was filed XX/XX/XXXX so my account should not have been transferred or sold to XX/XX/XXXX or submitted to the collection agency XXXX. The inaccurate reporting done by XXXX and XXXX has made it very difficult to acquire new credit and has tremendously effected my credit scores with each reporting agency. I demand all accounts be removed from the XXXX bureaus as they are inaccurate
Twice I've tried to cash checks at XXXX. Reasons for denial is never explained. XXXX uses Certegy Check Services. After contacting Certegy, which is the number XXXX gave me. I received a letter stating declined and accepted checks cashed but no reason of why the declined. I have letter. No where on it does it state why they reported negative against me. In fact it says No information on file.
Experian, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Mr. XXXX, in 30 days and or til date, despite Mr. XXXX repeated requests. Second, Mr. XXXX requested Experian to provide the method of accuracy & verification used by Experian pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Experian remains non-compliance till date. Third, Mr. XXXX requested Experian to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Mr. XXXX   Hence, Experian again went silent.
This account has never been charge offAccount Name Account Number Date Opened Balance Date Reported Date of last reported update. Past Due Status Condition of account when last updated by creditor or otherwise. Credit LimitXXXX XXXX/XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX $ XXXXnever charge off paid in fullAccount Name Account Number Date Opened Balance Date Reported Date of last reported update. Past Due Status Condition of account when last updated by creditor or otherwise. Credit LimitXXXXHide Details XXXX XXXX/XXXX/XXXX {$100.00} XXXX/XXXX/XXXX CHARGE-OFFXXXXXXXX, WI-XXXX
The dates and years are inaccurate on the following public records, with such misrepresentations I'm respectfully requesting that this accounts be removed and/or blocked from my credit report. ( 1. Bankruptcy XXXX, XXXX ) and XXXX XXXX Account reference account XXXX, XXXX
I am trying to dispute information on my credit report with TransUnion but they are not asking for my documentation. TransUnion investigation results are listed this is a joint account verified, NO change. This company is collecting for XXXX at XXXX XXXX apartments, whose management company is XXXX XXXX XXXX, who have done nothing but lose payments and over charge residence at this property.
I had vacated my apartment on XXXX/XXXX/XXXX. on XXXX/XXXX/XXXX Hunter Warfield had sent me a notice saying I still owe {$1300.00} to the Landlord. I had asked for an explanation as I had never received any initmation to that effect from the landlord. Hunter Warfiled sent me a mail dated XXXX/XXXX/XXXX giving the break up of the said amount. This included items like damages to the property etc., As I was not aware of any damage to the property, I had sent them a certified post asking for proof on XXXX/XXXX/XXXX within 30 days of the receipt of the mail. I never heard from Hunter warfield till date. But they have sent a notifications to the credit monitoring bureaus which has resulted in a huge drop in my credit score.
I would Like to File a complaint On behave of Wells Fargo bank. I called the Bank to asked for a One time late payment fee forgivness. I was Told By the Rep That she couldn't do it since My Payment was due on the XX/XX/XXXX Of the Month and today is the XX/XX/XXXX. Poor Banking wells fargo I been a Customer at Your Bank for exactly 10 Years. If you are that Hard up for {$27.00} late Fee bless You and Your bank. From your past Experience of opening up Fradulent accounts in fake people Name Your bank is No Good! I will ask your business to Please remove the the late payment Fee as a 1 time courtesty and I will Give you 30 Days to DO IT if you fail to do so watch How QUICK I WILL CLOSE EVERY ACCOUNT IN MY NAME WITH YOUR COMPANY! I deal with alot of Banks and I have never in my life seen one quite as dirty as Yours to a customer of 10 years very sad WELLS FARGO
On XXXX XXXX, XXXX, I received a default letter from the bank telling me my loan was in default for my failure to make a payment on XXXX XXXX, XXXX. They told me I had 30 days to pay the past due amount of {$120000.00}. I called them to ask for an itemized breakdown of the amount demanded because it seemed ridiculously large. ( i.e. how much was for principal and interest payments, how much for late charges, how much for escrow charges, etc. ) I also asked them how they could demand money from me for payments I allegedly failed to make more than 5 years ago. They told me they would send me a written explanation within 30 days. I never got a response despite several follow up phone calls. After several months of waiting, I went to an attorney who wrote a letter to them XX/XX/XXXX asking them again for an itemized breakdown of the amount they were claiming was due. They sent my lawyer a bunch of paperwork ( note, mortgage, payment history ) but never explained how they came up w/ the {$120000.00} amount demanded in their XXXX XXXX letter. I then filed a complaint with the CFPB ( Case No. XXXX ) for their failure to respond to my repeated requests for an itemized breakdown of the amount they claimed I owed them. They wrote back to the CFPB and said they sent a response to my complaint to my attorney. They did not. I then filed a follow up complaint w/ the CFPB today because they did not send my attorney any response to my complaint. Then, to my surprise, I received another letter from the bank on XXXX XXXX, XXXX. This letter demanded {$88000.00} and said I defaulted for failing to make my payment due XXXX XXXX, XXXX. If they knew I had an attorney XX/XX/XXXX when they responded to my CFPB complaint, why did they write to me directly on XXXX XXXX, XXXX? Also, how am I supposed to know how much to send them to reinstate my loan when they send me completely different amounts to cure the default and with different default dates? Furthermore, they have never explained to me how they arrived at either amount ( i.e. {$88000.00} or {$120000.00} ). I have been trying to bring my loan current for years but they keep giving me misinformation. I am fed up with this. I am a XXXX citizen ( XXXX years young ) and I deserve more than just " form '' letters telling me to pay money without any explanation as to how they arrived at these crazy amounts.
Equifax employed lax and careless security standards with my personal data as well as the personal data for 140+ million other Americans. They allowed this information to be improperly and irresponsibly secured and they were hacked exposing myself and millions of others to potential risk of identity theft. They then asked me to waive my right to litigation in order to confirm whether they had leaked my information.
Sunrise credit service places a collection on my credit report for the amount of {$270.00} XX/XX/2017. I do not have a contract with Sunrise credit services and would like this to be removed immediately.
Fifth third bank applied late charges to my auto loan without notice. In XX/XX/XXXX I switched auto insurance providers. I have an automatic pay structure though our bank XXXX and made our scheduled payments without interruption. 
On XX/XX/XXXX I looked at Fifth Third 's portal for payoff information and found late fees on my account and emailed them through their portal asking for an explanation. 
On XX/XX/XXXX, I logged into their portal again and found their response was that they applied a fee for auto insurance when I switched providers and that they had " mailed a notice '' to my home. All our transactions have been electronic and they did have my email and phone number but I did not get any notice. 
When I called about the lack of notice and to validate my current insured status, " you need to pay us or you will be late again. The insurance validation process takes a long time and is another department, so you need to pay us today ''. 
This appears to me that they are trying to drive additional fees much like XXXX XXXX . Though they got monthly payments that did not trigger an attempt to explain a need for insurance validation or any communication with me at all. I think they would have been happy to take my payments forever, applying them to fines that should been applied.
I am being charged with an XXXX bill by the debt collectors Bay Area Credit Services. We have no unpaid medical bills at this time, nor have I ever even taken an ambulance ride. By all accounts after looking up this company online, they appear to be scammers.
Credit report for new loan found out there is a bill total XXXX from XXXX XXXX is not my bill belongs to a family member now on my credit report causing my score to go down. I did pay this for that person, however I do not think this should be on my report. XXXX has several XXXX complaints and continues to be allowed to mess up people 's credit because of their bad practice of lying to customers. This bill was not even mine.
For the second time now, I have been denied a Chase Freedom credit union. I have excellent credit and no delinquencies. There is no valid reason for Chase to continue denying me a Chase Freedom card. I complained to the corporate office, and the excuse they 're using this time is that I have opened too many credit cards in the past 24 months. I then asked them what is the time frame for them to stop claiming I 've opened too many credit cards, and then they changed their story completely. They then claimed that my income is too low, which makes no sense whatsoever, as again, I have excellent credit and no delinquencies. Therefore, they are discriminating against my economic " class, '' as well as age, and XXXX. As long as I have excellent credit and no delinquencies, there is no valid, legal reason for Chase to continue to deny me a Chase Freedom card, especially as I have other Chase credit cards. This is a clear-cut act of discrimination, for if my income were the case, then Chase would have to cancel credit cards for all credit card holders whose incomes dropped, which includes retirees, the XXXX, and the unemployed. Therefore, it is appropriate for CFPB to hold Chase accountable for denying me, an aging, XXXX citizen with excellent credit and no delinquencies, a Chase Freedom card. ( And in the past, after filing CFPB complaints, CFPB has done nothing more than " shuffle papers, '' i.e., send me the bank 's response, regardless of what it is, then close the case, rather than hold the bank accountable. Also, in the past, after logging in to CFPB, I have been unable to access any documents, and this was never appropriately addressed or corrected. Therefore, please escalate this matter to the Director 's office. )
I contacted " Experian '' directly, and was somehow redirected to " XXXX '', I paid my XXXX for my Experian credit report but only got to view my XXXX XXXX and XXXX. fico score, I already got this info from credit XXXX XXXX, Experian is unlawfully in collusion with other corporations to hide, and make it to impossable for me to obtain!!
On XXXX I contact Wells Fargo about a return I was conducting with XXXX XXXX / XXXX XXXX XXXX in XXXX GA. I had purchased the dog kennel roof on XXXX just after retiring from the XXXX. I had moved 2-3 times after that date and misplaced the sealed from the factory box that I had never opened. Wells Fargo by 2 different reps in their dispute department told me to take it back and they would ( the bank ) fight for me. The store manager refused to take item back as it was over a year old and was quoting a 90 day return policy that was not listed in the store or on the receipt. On Wells Fargo advice I left the item in the store and walked out. 2 weeks later on XXXX I was advised by the bank they would not be doing anything if though 2 reps said it would n't be and issue. 
This case was escalated to their Customer resolution Executive Office that handles ATM / Card transactions on XXXX. It is now XXXX. I have not heard bank from the bank after the 10 day time frame. 
I do not have the product or/and have not been refunded the {$70.00} for this issue, WF claim # XXXX. 
All I want is my money back
I requested that  XXXX , Transunion,  XXXX  remove a judgment  XXXX  on my cr edit report, whereby this judgment has since been paid and it was vacated in Maryland ( courthouse ).  However, as of  XXXX .2017, this judgment still remains on my credit report. I made a second request to  XXXX , Transunion,  XXXX  on  XXXX .2017, requesting that the credit reporting agencies remove this item.
I purchased a XXXX Mazda Tribute back in XX/XX/XXXX from XXXX XXXX Mazda in XXXX Alabama. XXXX XXXX Mazda is owned by XXXX XXXX XXXX. My contract reads " XXXX XXXX XXXX '', financed through Mazda American Credit. '' Or " XXXX XXXX XXXX, DBA, or " DOING BUSINESS AS '' " AMERICAN MAZDA CREDIT ''. We bought our Tribute new and struggled to keep it through a layoff from my employer by deferring our past due payments. Once our layoff ended and I was called back to work all was fine. Then in XX/XX/XXXX after being back at work for just a few months my employer again started to layoff. I knew we would never make it through another layoff. We had not recovered financially from the XXXX layoff. I called the finance company and asked what would be my best option for the Tribute knowing that they would repo it. There was no way I could make the payments. Our focus now was to try and hold on to our home. I was told that if I could VOLUNTARILY bring the car back into the lot I would save a good amount of money in fees and a voluntarily repo is far better than them coming to get it. Now I know there is really no good benefit. So that 's what I did. Of course they took me to court and got a default judgement on the vehicle or me that is. Just before my warehouse was to begin laiding off, I got hurt at work and was let go. Now I am XXXX and needless to say things have only gotten worse. We lost everything. Now for the part of why I am filing this complaint. My wife and I have done all we can to make sure everybody that has us in collections are being paid in full, or settled on an agreed amount to close the bill. My credit is totally in the tank. I have been trying to stay up with my credit rating and score and to get back to where we were when all this happened. While I was reviewing my free report for this year I noticed something that was not supposed to be there. " XXXX XXXX XXXX '' has me down as a " PUBLIC NOTICE '', which was or is, the default judgement. Thats fine, I know I still owe them money. But then I noticed " American Mazda Credit '' on there as having me in collections for the same amount owed. Why I never noticed this before is beyond me. I guess It just did not register. So what they have done is hit my credit score XXXX. Or double jeopardy. That is why I am filing this complaint, is to see if there is anything you can do to help me with this matter. Large corporations already have a shadow on us little people. This is really a low down way of doing business to gain even more of a way grip on the public. It 's no wonder it is so hard to stay in the good graces of the financial world. I want to pay off all my bills and I will but this goes too far and I need someone to help me get the bigs guys to at least just do what is necessary to protect them selves of course but at the same time, let me try and make good without the shady doings that they are doing to me.
Hello I am reaching out because I have lost my car, home, and I 'm losing my health due to me not being able to purchase my medication. I 've been banking with Chase since XX/XX/XXXX and have been receiving my same deposits with no change being made, but as of recently someone restricted my account due to what I believe was a error of {$1200.00} through some type of remote deposit. I spoke with Chase and told them that had to be a error and the payment would be resent via direct deposit and they said okay but my account would remain restricted. I waited on my next deposits to come in and they were on time to meet my bills, but Chase said they decided to close my account so I said cool just give me my funds. I updated my direct deposit with my employer so no other funds would come to that account but {$23000.00} of my dollars still managed to go that account and here is where the problem begin. I was told my account was restricted and that a thorough review are done over each transaction going in and coming out so I had a ACH come in my account that was looked at carefully before being accepted. Chase took the {$1200.00} dollars that I owed them and said they are not giving me my funds because they are in my publishing and stage name instead of my government name but it 's been that way since I opened my account. I did everything I was asked to do from the back office to the branch but I ca n't seem to get chase to understand the illegal part of holding my funds for no reason so I spoke with my employers and they said well if Chase had a problem with the deposit why did n't they just send it back to us to reissue it and I told them what the XXXX told me which was it 's to late to recall the money once it 's in the account and it confused me and my employer for a XXXX to say if some money is incorrectly sent to a bank account it ca n't be recalled I 'm sorry but I 'm lost and had no other choice but to reach out to you or file a lawsuit and discrimination claim against these chase executives please assist me with this matter if you can.
I have XXXX Parent Plus Loans on one account with Great Lakes. They have always been paid in full & on time with auto-debit. In XX/XX/XXXX I started paying an extra {$200.00} as part of the auto-debit. Two places on the Great Lakes website state " once scheduled monthly payment & all outstanding interest has been paid, excess will be applied to the loan with the highest interest rate, thus costing you less interest over time. '' Also under " How Payments are Applied '' it states " When it comes to excess payments you have more flexibility. We automatically apply excess to : 1. Accrued interest since your last payment 2. Principal of the loan with the highest interest rate ''. The {$200.00} extra was not applied as promised to only the higher interest loans which is going to cost me more over the life of the loan. XXXX of my loans have 7.65 % interest rate & the XXXX has 6.16 % interest rate. Great Lakes applied a portion of my extra {$200.00} payment to the loan with the lowest interest rate. In XX/XX/XXXX my payment of {$490.00} was divided so that the 6.16 % loan received a principal payment of {$100.00} prior to adding the extra {$200.00}. In XX/XX/XXXX I added the extra {$200.00} which non of that should be applied to this lower interest rate loan but the amount allocated to this loan went up every month even though the total principal amount is going down. XX/XX/XXXX, {$120.00} principal payment was charged & XX/XX/XXXX {$130.00} principal payment was charged. They are using my extra payment to pay down this lower interest rate loan! This is very wrong! How many thousands of people are getting ripped off?
I had a previous complaint with Diversified Consultants Inc ( XXXX ) which the findings from that complaint explained that they sent me an initial balance letter on XX/XX/2017. I did not request a balance letter, I requested a validation letter bearing my signature which they never provided. In that same complaint, they stated that they requested validation from XXXX and that XXXX would mail me a validation letter. I never received a debt validation letter from XXXX with something bearing my signature that said I am responsible for a debt. Furthermore, DCI is the company who is listed on my credit reports so they are solely responsible for sending me a validation with a contract I signed bearing my signature, not XXXX. 

Furthermore, after doing some additional research, I found out that DCI ( Diversified Consultants ) is not even licensed to collect in my state ( IL ) according to our Illinois state records so they should not be reporting anything to the credit bureaus in regard to me anyway! I would like all collection efforts to cease and as my initial validation request stated, I'd like them completely removed from all credit reporting agencies ASAP!
I have disputed this charge before with XXXX XXXX XXXX and it was removed years ago. They tried to charge me an erroneous shipping charge on items that were returned and shipped with incorrect sizes. It now has suddenly shown up as a collection on my credit report.
In XX/XX/XXXX I settled a charge off with American Express. Amex agrees the account is settled and properly indicates the settlement in its report to XXXX. The account became delinquent in XX/XX/XXXX and XXXX correctly indicates the account will go positive in XX/XX/XXXX. <P/>However, AMEX has inaccurately reported a brand new derogatory payment history which begins in XX/XX/XXXX and results in re-aging my account. This results in a lower credit score. I have attached an excerpt from my XXXX consumer report dated XX/XX/XXXX. <P/>Re-aging of accounts is a violation of the FCRA and damages my credit. I have attempted to resolve this using the dispute process with XXXX. The result of the investigation was NO correction to this issue. Having exhausted the dispute process, I am hoping the CFPB can assist in resolution.