WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I submitted a complaint ( number assigned XXXX ) in refgards to unauthorized credit inquiry. I received an email from Equifax on XX/XX/XXXX stating the dispute response was available and it could be read by entering an assigned number ( XXXX ) along with other personal information. After following the email instructions a message came back stating no information was found! Is this a Equifax scam? I am concerned where my personal information went and is it safe?
In XX/XX/XXXX I contacted XXXX XXXX XXXX to close my credit card account. I received the attached letter confirming this request also in XXXX. I always check my accounts to ensure they were closed so in XXXX I saw the account was not closed and contacted them by phone, I do so again in XXXX and again in XXXX. I finally wrote an e-mail and received the attached response that the account was closed in XXXX and yet today I logged in and found the below ( please notice the XXXX XXXX date of today : Welcome, XXXX! Thanks so much for being our customer! Update your account, track orders, make payments and more right here, anytime you want. 
XXXX XXXX Account # XXXX Change Account Plan O Credit Status as of XX/XX/XXXX Available Limit {$1300.00} Balance {$0.00} Credit Limit {$1300.00} I want the account closed with no credit limit. I simply do not understand their failure to so after repeated requests and continually telling me the account has been closed. See attached letter and e-mail. This is a travesty and increases the chance that someone could get hold of this account and commit fraud. XXXX XXXX
I have continually asked this collection agency to Cease and Desist on collection activities, including removing from all three credit reporting agencies, and they have yet to comply. They have been unable to furnish a validation of debt, as the original creditor information does not match the information they are reporting. What they are doing is a direct violation of FCRA Section 623 ( XXXX ) ( A ) : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. I have furnished proof that not only is the amount they are reporting incorrect but it is well beyond the statue of limitations of 7 years and 180 days for collections. As this account is now XXXX since delinquency.
i made large payments of {$19000.00} and {$120000.00} that were clearly marked as principle only payments. The payments have been misapplied, the new payment has not been adjusted to the correct amount of interest due - instead the company has precharged interest using the larger principle balance that has been reduced. The company has refused to act quickly to resolve the issue. The company ditech has recently within the last 30 days taken over this mortgage from Greentree my previous mortgage company. I need help getting this quickly resolved and penalize the actions of the mortgage company.
BMW Financial reported my account 30 days late to XXXX XXXX  XXXX for the month of XXXX XXXX. The payment was dueXX/XX/XXXX and was paid by me onXX/XX/XXXX, thus it was NOT 30 days late. This is the date the payment shows as being made on my receipt from BMW and this is the date the actual funds were deducted from my bank account as I have it set-up as a debit payment. 
BMW Financial has been nothing but a problem to me and my family. My husband was hit by a vehicle in XX/XX/XXXXand the motorcycle we had financed with BMW was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now BMW has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customer and the research I 've done them affirms this as they have a " F '' rating with the BBB.
I requested PNC bank discontinue escrowing for insurance and taxes on loan number XXXX. They would if I paid them {$200.00} to stop the escrow. This is an example of a predatory lender charging unnecessary fees, I want to pay my own taxes and insurance and not have to pay {$200.00} to them to do so.
XXXX XXXX XXXX placed a collection on my Experian, XXXX credit report and XXXX  credit report on XXXX XXXX, 2017 stating that I owe a balance of {$3900.00} I never signed a contract with this company to agree to pay any debit 's owed. Therefor I am not responsible for any debits owed to this company
Ocwen is attempting again to force me into escrow. I have never had escrow in the entire duration of this loan. They do this every few years in an attempt to get me to default by XXXX my payments. I find it suspect that they also sell foreclosed homes.
Portfolio claims I owe XXXX to them. I received paperwork in the mail where they took it to court in Virginia in XX/XX/XXXX. I just got the letter a couple days ago. I was not informed of court so that I could be there.
Our issue is with  a Wells Fargo   XXXX  mortgage, reporting an incorrect late payment. We used to own a home in NY, which we sold and closed on  XXXX   XXXX ,  XXXX . We have a letter of satisfaction fro m Wells Fargo d ated  XXXX   XXXX ,  XXXX .  Wells Fargo is r eporting that our payment was late in  XXXX  of  XXXX , which was 2 months after the account was closed ... .so clearly, it is being reported incorrectly. We have been in the process of trying to purchase a new home, and thru this process, we have been addressing the fact th at Wells Fargo is incorrectly reporting this account. We have personally reached out to Wells Fargo to ad dress the matter in  XXXX   XXXX  and two times in  XXXX  of  XXXX  ; we had a conference call with our new mortgage lenders credit reporting com pany & Wells Fargo, where Wells Fargo stated on the phone t hat the  XXXX   XXXX  late payment reported on our credit is incorrect, and they confirmed that the account was closed in  XXXX  of  XXXX  ... ..however the late payment from  XXXX   XXXX  is STILL on our credit report, and is now delaying our closing on the new home we are purchasing. We have been told that in order to get the incorrect late payment reported in  XXXX  of  XXXX  removed from our  XXXX  credit reports, that we must get a letter fro m WF that spe cifically states that the late payment from  XXXX  of  XXXX  was reported incor rectly. We have attempted to get such a letter from Wells Fargo, however this has not been a easy task .
XXXX  is reporting a debt in collections by the bureau since 2010. 
I did not owe this amount as it was billed for work I did not agree too. 
I have explained this to XXXX  XXXX XXXX and XXXX  and XXXX   is the only reporting agency that wont remove this item from my file. 
It was never an authorized charge. 
It should be removed from my credit report.
Loans in my name and never paid back or late payments .... hacked my bank account and I had to get 3 new cards
this is one of three times this happened. I am paying them and they say they don't get it but I send it certified so I know they are getting my payments. I want it to stop or close this debt as paid in full for all the harassment to me.
I have been receiving emails about ATM receipts and Store transaction records from Wells Fargo ( WF ) but I do not have an account with them. This has been happening for about 3 years, I went to a WF office in XXXX, Virginia with printed emails to ask about these but they said there were no accounts under my name. I used to have a home mortgage and I believe a checking account that only lived for a short period. I do n't believe my credit report shows any accounts currently open with Wells Fargo but since I just found out about a scheme at WF were they were opening fake accounts for customers I have decided to report this since I do n't want my name associated to money laundering of whatever that scheme could be called.
Case number : XXXX I submitted a prior complaint, case # above. central finance control ( tenet health ) agreed all items should delete, however they simply relisted a few days later. except now statute is also renewed. its clear on every attempt to talk with them that they have XXXX fear of fdcpa, YOU or any other law or agency. my understanding of current statute is I may recover {$1000.00} per tradeline. I 'm seriously considering this option. id like to give this one more shot first, XXXX XXXX XXXX.
I would like to say false statement is correct on the drop down statements but crime by not paying debit is not correct but system will not go forward without choosing XXXX more choice and there is not a correct XXXX for my complaint ... ..so pls disreguard my choice on XXXX drop down ) Under XXXX report info there is a collections from XXXX CITATION CENTER for {$110.00} which has been paid in full and shows closed, with a derogative remark which I feel very strongly needs to be removed .I continue asking for assistance with this matter. A little background would be in XXXX trauma accident XXXX I share that info only to show how until last year ( 5 years after accident ) I was not in any condition physically or more importantly mentally and emotionally to absorb most things going on around me on a daily basis. In XXXX I came across a bill ( from XXXX citation ) for {$110.00} which showed no indication what it was for ( Ihad had a bill for the same amount for XXXX transpotation which was directed XXXX so therefore I THOUGHT THIS WAS SAME DEBIT AND HAD BEEN TAKEN CARE OF AS IT WAS NOT MY BILL. I called immediately and asked what info was attached to that bill, I apologize at this time as I cant recall what the lady on phone told me but I recognized that the item was my debit and so I explained my circumstances and sincerely apologized and paid the debit immediately during the phone call, as was my responsibility .I have been recently been trying to work on my credit as within 2 months of accident many thousands of debit was fraudulently put in my name, I am very glad to say that for someone who has never had bad debit issues my credit score is now repaired and therefore to read on my credit report that this company choose to put " disputed resolved, customer disagrees " is so distressing to me when I agreed the debit was mine and paid with no problem and I also observe account reported XXXX XXXX XXXX and then again XXXX XXXX XXXX??? what does this mean? ( I question if the customer service with this company gets a bonus or at least recognition for any debit collected and if it seems like they worked hard, put pressure and received payment they shine brighter to management, more than simply taking a payment by phone??? THIS WAS NOT THE SITUATION ) YET this agent felt it necessary to put such a remark which stays negatively on my credit report, its is false .Thank You for your attention in this matter.
Note : Grandpa'sspacebarisbroke.Facts : XXXX, XXXX @ CALSTATfor $ XXXX & XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX, XXXX.
My mortgage company, Specialized Loan Servicing LLC, based in Colorado, is using investor guidelines for PMI removal that are in excess of what is allowed by the Homeowners Protection Act of 1998. Specifically, SLS is attempting to impose a seasoning requirement on my mortgage before they will remove PMI. I sent a letter to SLS explaining why the seasoning requirement is not enforceable. SLS sent a written response stating that the seasoning requirement is valid. I am sending another, more detailed letter to SLS at the same time I am submitting this complaint. I will attach copies of all of the relevant correspondence. 

Additionally, I recently received the annual PMI disclosure notice from SLS. The annual disclosure notice does not mention a seasoning requirement. It appears that SLS does n't mention a seasoning requirement until you write to them requesting that PMI be removed.
I was offered a XXXX ( now XXXX XXXX XXXX card in about XXXX with 0 % interest and {$4000.00} credit line while flying back from seeing my granddaughter in DC. This was heavily pushed by flight attendants. I applied and used it judiciously. Since that time they have raised the card from the introductory rate of 0 % to {$24.00} ( Variable ) reducing my limit without notifying me, and are charging an impossible {$68.00}. monthly interest. They reduced my limit in XXXX and charged me an over limit fee when I did'nt know it was reduced. I HAVE NEVER BEEN LATE ON PAYING THIS ACCOUNT. I have paid large payments on more than XXXX occasion. This credit practice creates the kind of consumer cycle of debt which nobody can get out of and occurs after a " bait and switch ' marketing approach. I am a senior, self supporting, work fulltime and pay bills on time. This is exactly the kind of credit practice XXXX can help intervene on. THANK YOU
I responded to a Chase direct-mail marketing offer : Get a {$200.00} bonus when you open a savings account, deposit $ XXXX or more in new money, leave it there for 90 days, and leave the account open for 6 months. Sounds straight-forward. What the offer does n't state is that in order to open a new account ( even if you 've held a Chase credit card in good standing, as I have for 12 years ), I was required to provide the following information. By required, I mean that the Branch Manager was firm that she would not open the account without this information. 
My Permanent Residency card ( " green card '' ) - I had to go home to get this before she would procede. ( I had already given her my Chase credit card, XXXX. Drivers License, and Social Security #, which she confirmed matched the info that she had on file for me already through my credit card. ) I brought back my XXXX passport, too, just in case. She said that she " was n't sure '' that she 'd need that. 
Name of my employer and annual salary Whether I own or rent my home, the amount of my outstanding mortgage, the name of the company that holds that mortgage, and the appraised value of my home Details regarding every checking, savings, retirement, and investment account that I have, not only which institution they 're at, but the dollar value of each Which other credit cards I carry, and whether I carry balances or pay them off monthly The process took a total of XXXX minutes, sitting at the Bank Manager 's desk. It became clear to me that this is no bonus to open a savings account. This is {$200.00} that 's being paid to mine every bit of financial information that I have. This was to open a simple savings account. I was providing Chase with more financial information about me than anyone else has, to sit in their database ... not for a loan, mortgage, or line of credit, but for a simple savings account. I think that Chase should have to indicate the breadth of information that they require in order to take advantage of their marketing offer. If I 'd known, I would n't have considered closing my savings account at another institution and switching to Chase. ( But once I 'd already invested that time, I wanted to take advantage of the {$200.00} bonus. ) I mailed a letter to Chase XXXX XXXX, but have n't had any response from them to date ( 3 1/2 weeks later ).
I had a customer that had me perform service work on his personal ski boat but after completion he could not pay his bill so I held onto his boat until he could come up with the needed funds. He wanted to sell his boat because he needed the money for personal reasons, he said he had it sold and wanted me to release it to him saying that he would pay me after the sale, I know this guy could not be trusted. On the XX/XX/XXXX he brought me a cashiers check in the amount owed ( {$3200.00} ) I then  released the boat to him, he sold it that day Friday XX/XX/XXXX. I cashed the cashiers check on Tuesday XX/XX/XXXX at my personal bank, the bank put a hold on my account until the check was to clear, two days later I find out the the check had a stop payment put on it that past Monday morning. At that time the total funds were removed from my personal checking account. I have read that it is impossible to stop payment on a cashiers check but according to Chase Bank it is a common thing and a cashiers check is no better than a personal check. My trust in the cashiers check funds is the only reason I released the boat, now I 'm out the money and my only recourse is to take him to court but even with a judgement in my favor I will be lucky to collect the funds plus the lost time and money to do so. I think Chase Bank should be held responsible for my loss.
I have a mortgage that is currently being held by Statebridge Company, LLC. In XXXX XXXX they stopped sending me a paper mortgage statement. I wrote a letter AND called every month requesting a statement. They did not reinstate my paper statement until XXXX XXXX at which time it said that my mortgage payment was reduced. I paid the regular payment anyway in XXXX. In XXXX I received a statement saying NO PAYMENT DUE. I called and was told that the payment was indeed lowered based on an escrow analysis and that my taxes AND insurance were still being escrowed. In XXXX XXXX I received a new analysis and my payment had skyrocketed. They informed me that my escrow was short and that they needed to recoup their money. They also informed me that they STOPPED escrowing my taxes. I never gave them permission to do this. I also do not know what happened to all the extra money I was sending prior to learning that my payment was lowered. They 've totally screwed up my account and created a payment I can no longer afford. They told me I needed to buy a property I can afford and it 's not their problem. I have nowhere to turn and can not afford the higher payment. I escrowed my taxes because I can not afford a large lump sum payment.
For over two years, I have spent hours on the phone trying to lower my monthly payment. I have been enrolled in many programs that were affordable, but was kicked out of each program upon further review from auditors. 
Navient claimed my co-signer could afford to pay the amount, therefore I did not qualify for the program. 
When I was kicked out of the programs, my payment remained the same - high amount - which I can not afford. 
Navient would send letters stating to call them, as there are many repayment options. I would call, and again, I would be enrolled in programs of monthly payments I could afford - then upon review - was dropped due to my cosigner being able to afford higher payments. 
For over two years, I have received multiple credit hits, ruining my credit. This is my debt, not my co-signers. 
It has been a nightmare dealing with this " company! ''
{$380000.00} paid to Indymac/Ocwen to pay off XXXX balance. 
You may refund the remaining escrow and remove the second extinguished I will NOT pay you or the next servicer for the duplex and {$110000.00} escrow XXXX XXXX stole from me. You need to refund the {$150000.00} XXXX XXXX XXXX did NOT give to me and the I do not owe. ( {$310000.00}. ) They need to refund the payments I made to prepaid credits. And reinstate the remaining prepaid credit that was stolen. ( Especially any money used to {$67000.00} escrow to my duplex. ) And I did not owe any one the money I paid to XXXX.
Original debt was from the security company XXXX, I ordered a security system for my home and was promised a set rate and equipment, i did not receive the proper rate or equipment as well as other perks promised. I then canceled after that and spoke to numerous individuals at XXXX and was told that I don't owe anything. I later found out they put my account into collections, I have spoken to XXXX numerous times to no avail. The debt was then handed over to Perfect Collections, I have also tried to resolve the issue with them to no avail. Perfect collections open the account XX/XX/2017 and just updated the collection. My credit score has dropped over 90 points and this is affecting my credit and purchasing ability tremendously. They are reporting that owe {$1700.00}, I have received many harassing calls indicating that my assets will be seized due to this collection. XXXX has a history of this kind of practice and something needs to be done, they frequently use bait and switch tactics and need to be held accountable for misleading consumers and then turning accounts over to collections once you call them out on what they did not deliver!
XXXX XXXX XXXX has an account # XXXX stating that I owe XXXX   from 2012. XXXX another account # XXXX  reporting a XXXX balance These account was fraudulently acquired in my name de to identity theft. This account doesn't belong to me. This company has judgements in XXXX County Court System under my name that is negatively affecting me form acquiring a mortgage loan. I need this to be removed asap so that I can close on my property. I have also filed an identity theft report for the 3rd time.
I recently checked my credit report on XX/XX/XXXXand saw a collection account on my credit that I never had. The collection is from Advance Collection Bureau for  the amount of XXXX. I sent out a certified letter to the company requesting documents proving this was my account such as anything I have sign with them along with a copy of my social and driver license to prove to me that I have in fact had this account. The letter was mailed out via USPS CERTIFIED MAIL on XX/XX/ and it was received and signed for on XX/XX/XXXX In the letter I asked the company to provide me with the requested information within 30 days but they have yet to do so. I have attached all my supporting documents to this complaint.
I attempted to investigate the information with TransUnion based on some new information I found where they had failed to comply with Section  609 [ 15 USC 1681g ] o f the Fair Credit Reporting Act and since I had filed a dispute within 120 days TransUnion would not accept my online dispute. To make sure it was n't in error, I tried it from a different computer and was given the same response. They are violating my rights to have these accounts physically verified as is my right under the law.
Still being forced tobmake payments even while in school. They still reported my loan as not being paid on my credit.
Property sold on XXXX/XXXX/2015 ... new contact information promptly provided to Seterus within one week of sale as they owe an escrow refund of approximately {$1200.00}. It is now XXXX/XXXX/2015 and still no refund, can not get any clear information as to why ... I 've been told that it was sent to my old address, but despite forwarding it was not received, then was told it was sent on XXXX, not received, then told they had to cancel the check on XXXX but that I could not follow up for 14 days as that is how long it would take to reissue. It 's been greater than 14 days and now I am being told that their process has changed and it STILL has not been issued and that it will now be another 15-30 days to reissue ... but I 'm sure when I call back in 15-30 days I will hear the same thing I 've heard the previous 3 1/2 months. This is ridiculous, if I owed them money for nearly 120 days I would face significant consequences, yet the only recourse I have is to continually call, wait on hold, be told a different story every single time I call. I just want this to be resolved so I NEVER have to call them again ...
Focus Receivables Management. This company has been ROBO calling XXXX times per day, every day for XXXX months. The caller is using an " Unknown '' caller ID and also calls from XXXX. There is no person on the line, just a recording telling me to call a different number. I do not wish to receive calls from this company and have asked them to stop as I have retained an attorney.