WillisBack/dataset-financial-user-claim huggingface dataset:
I have a tax lien reporting on my Transunion credit file due to having unpaid taxes i had to pay to the state of Georgia. Around XX/XX/XXXX, I had received a letter from the state of Georgia saying that I owed at that time, {$810.00} to the state due to taxes that I filed back in XX/XX/XXXX. After receiving this notice, I immediately contacted Georgia Department of Revenue to get this taken care of which I did. I made payments over a period of about 10 months which totaled {$810.00}. I made these payments hoping nothing bad would come out of this and everything would be ok after its paid off. Well, I went to go try to finance a car and the dealer immediately turned me away due to having a tax lien on my credit report. At that time, I did not know what a tax lien was or how it even got on my credit file until I found out that it came from not paying my state taxes. As soon as I found out where it came from, I took aggressive action in trying to remove this from my credit file by disputing this with Transunion. Even with paperwork that i have showing that it was released in XX/XX/XXXX, they refuse to remove this and tell me that it is reporting accurately and will remain on my credit file. I just dont understand why after something I have paid in full, and something that does n't even pertain to them, why they just do n't remove it after years of it being on my credit file and being paid. Its not hurting Transunion! It 's hurting ME! Its literally keeping me from obtaining credit at many places. I am begging you, PLEASE ... PLEASE help me! I am trying to and wanting a better future for my family and I and this is really hurting it right now. Thank you so much for allowing me to write and submit this letter to you. I hope you will understand and see why I want this removed. Thank you again.
I have been receiving calls for the last XXXX years for a XXXX XXXX ( not me ) about a payday loan. I have asked - repeatedly- to remove my number from their data base, I have received threatening calls, harrassing calls - this is not nor has ever been my debt
This is not a valid debt, the charges made to the card were for car repairs which were not authorized and did not resolve the issue of the check engine light being on. As an unauthorized charge for work not authorized there should not be a charge on this card. 

Additionally the credit card company XXXX XXXX XXXX continued to charge interest and late fees well after the account was charged off to a total of {$1000.00} in late fees and additional interest. The credit limit on the original card was {$2100.00} the total amount finally charged off as bad for the unauthorized charges and work on the car was {$3100.00}.
I have called all   XXXX   credit bureaus (   XXXX  , Experian,  XXXX  ) a total of  XXXX  times,   XX/XX/XXXX    ,   XX/XX/XXXX    ,  XX/XX/XXXX    ,   XX/XX/XXXX    , XX/XX/XXXX , XX/XX/XXXX   ,   XX/XX/XXXX    ,   XX/XX/XXXX    ,   XX/XX/XXXX    ,   XX/XX/XXXX    . I called to inform them that my reports show  2  bankruptcy filings that do not belong to me that was supposedly filed on my behalf in  XXXX   XXXX , NC. I have disputed this a total of 5 times only for them to come back and inform me they investigated and it was verified, I requested they provide proof of the provider who verified this erroneously reporting and they have yet to tell me. I called the Courts here to confirm that I do not hold a bankruptcy and was told that there is no record of my name and address, also further they verified they have not spoken to anyone from the Bureaus to verify such a record exist. I noticed as of today XX/XX/XXXX yet another Bankruptcy has appeared on my credit report. I work in consumer finance and have been terminated from my employment as a result of these filings, I have requested from several supervisors to have this removed from all  XXXX  bureaus and they have done nothing at all.
My mortgage was transferred from XXXX XXXX XXXX to Carrington LLC for the XXXX XXXX payment. XXXX XXXX XXXX did an escrow analysis XXXX 2015 and made the determination that I was paying too much money so they reduced the XXXX payment. Carrington assumed the loan in XXXX. I never received a statement from Carrington or any information regarding the loan until XXXX XXXX with the new account #. I paid the loan on XXXX XXXX acccording to the statement from XXXX XXXX XXXX. Carrington refused to apply the check to my loan and is holding payment stating that my account is in arreas and I am required to pay the additional escrow amount. When the loan was transferred, Carrington failed to get all the documentation. I confirmed with XXXX XXXX XXXX that Carrington has all the necessary documentation to reflect that the payment was lowered as of the XXXX XXXX statement date.
I am submitting a complaint on Convergent once again because they are illegally reporting a collection on my credit that is a result of the identity theft that occurred on my credit. In 2014 I disputed this debt with them and the debt was removed from my credit profile and once again they are reporting the same debt on my file.
My original lender was XXXX XXXX and my loans were turned over to Navient where they went through several changes and went from stafford to private loans without my consent. They have gone from subsidized to unsubsidized repeatedly without any explanation. They are listed multiple times on my credit report. They are listed as XXXX XXXX, XXXX, and some as Navient. They each have multiple listings for the loans and I ca n't make any sense of it. I have been turned down by lenders due to the inconsistency on my credit reports with my student loans. Under the Navient website they have multiple loans for multiple amounts which I do not recall taking out, many of which have the same disbursement dates which I do n't understand if it was disbursed on the same day then why is n't it just one loan instead of multiples? This is very misleading and shady.
American Express Open sent an offer for bonus points after spending a certain amount in 3 months. I was approved for the card and no mention was made that I was not eligible for the offer that was made. After spending the required amount on the card, American Express said that I was not eligible after all. Opened a complaint with them but they would not fix the problem. Their advertising is deceptive.
XXXX XXXX/XXXX/16 This is an unauthorized inquiry with NO PERMISSIBLE PURPOSE. As such, it must be deleted.
Letters were sent out to the credit bureaus.The following accounts are reporting on my credit file incorrectly XXXX   XXXX XXXX {$22000.00} XXXX XXXX XXXX {$440.00} Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00}
Nationstar Mortgage has not filed a release of lien. When I was notified of the transfer of the mortgage from XXXX to Nationstar ( XXXX XXXX ) my mortgage had about two years of payments remaining - mostly toward principal and a total amount under ten thousand dollars. If I had let the mortage run its course, I would have only paid a few hundred dollars in interest. So I was thinking about paying it off anyway before the notification of the transfer arrived in the mail. I made XXXX payment in XXXX to Nationstar, which was difficult because they only set up my online account when I demanded it after XXXX consecutive days of phone calls and more than five hours on the phone. And then the payment did n't show up until I called back repeatedly - and the customer service is abysmal. This made me quite nervous because I pay bills on time and have excellent credit. At that point I decided to pay off the rest of the note, so I requested a payoff statement. The payoff statement that they sent was incorrect, so I had to request another one. I did a wire transfer directly from XXXX XXXX XXXX so that I would have some very official documents for my records that would confirm that I submitted the final amount on the payoff statement. Months later, Nationstar has not filed the release of lien after multiple official requests. They also have apparently never reported the existence of the loan ( which was in their hands for just under two months ) and it does not show up on my credit reports - either as an existing or closed mortgage. I am concerned because, as I have told the company multiple times, that if I need to sell my property the transaction will be held up because they still have a lien that needs to be removed. The company seems entirely incompetent at best, and predatory at worst. When they bought my loan, I had made every payment on time without issue. Never had problems with a mortgage company for the entirety of my mortgages ( and I have had several on different properties in my lifetime ) but Nationstar is a disgrace. What they are doing is unlawful - there is a law that requires them to release the lien, and I am afraid that I 'll have to pay a lawyer to get it done.
William and Fudge is a collection agency that works for XXXX XXXX. I agreed to a payment plan with the Williams and Fudge collection agency to prevent any negative remarks from being reported to Credit Bureaus. The Williams and Fudge collection agency received my payment and then reneged on our agreement. I spoke to several rude and incompetent supervisors that work for this collection agency. XXXX XXXX was the main supervisor that was extremely unprofessional and rude. XXXX XXXX is the supervisor that reported the negative remarks on my credit report. I contacted XXXX XXXX directly and resolved this matter by paying the {$670.00} in full. The XXXXXXXX tech business office assured me that everything would be taking care of and the negative remark on my credit would be removed from my credit report. I received an email from the XXXX XXXX business office stating that the William and Fudge collection agency informed them that the removing of the negative items on my credit report would take 2-3 months to remove. Unacceptable!!!
I have a a unverified account from THE BUREAUS # XXXX. I had previously disputed this account. I have never done business with THE BUREAUSXXXX   Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that THE BUREAUS -XXXX  Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that _THE BUREAUS -XXXX________ Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Hello, I have received a call from XXXX group in attempt to collect a debt on XX/XX/2017. During this call I requested that they send me a hard copy letter with more details so that I would feel more comfortable giving my banking information over the phone.They said they would do so, as well as sending an email. I did receive an email, however it seemed fishy because the senders email address was a different name than the name that was signed at the bottom of the letter. Since they agreed to send a copy through classic postal services, I decided to wait until I received the hard copy to ensure it was not a scam. I haven't received anything in the mail to this day, so I assumed that it was not a legitimate call as they didn't provide proof of debt in paper, so I proceeded to ignore any calls from that number until I could receive verification. Now my relatives are calling me, saying that somebody is looking for me and that there are charges against me. My aunt even stated that after she spoke with whoever was calling her about me that he said " She can consider herself served ''. I'm not sure how to take that but I do feel threatened. Today I sent a certified letter to XXXX XXXX, with my updated phone number asking them to send me something in paper so I can go ahead and make arrangements to clear the debt. I have also called three different numbers that seem to be linked to this group, and the line doesn't even ring. I will attach the letter, I sent along with receipts to this record. I will also attach the email the " XXXX representative '' sent me as well.
The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : 01  XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX  ( Original Creditor : 12  XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX . XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX,
In XX/XX/XXXX, I was the victim of credit card fraud. Two large, fraudulent purchases were made on my XXXX XXXX XXXX Credit Card, issued by XXXX. As soon as I noticed the charges on my credit card account, I immediately called XXXX fraud department to dispute the charge and cancel my credit card so that no additional fraudulent purchases could be made. 

One of the purchases was for {$840.00}, and was made on XXXX. XXXX 's fraud department subsequently conducted an investigation into this claim, and notified me that because the charge was made fraudulently, the charge had been permanently removed from my account. 

On XX/XX/XXXX I received a letter in the mail from the debt collections company Caine & Weiner, claiming that I owed {$840.00} to XXXX XXXX XXXX XXXX After receiving the letter from Caine & Weiner , I called XXXX security department, who informed me that they had received no communication from XXXX XXXX or from Caine & Weiner regarding this issue. They said that if the company ( XXXX XXXX ) wished to collect on a fraudulent charge, they needed to contact the bank that had withdrawn the payment ( XXXX, the issuer of the credit card ). 

On XX/XX/XXXX I wrote a letter to Caine & Weiner notifying them that I was disputing their claim that I owed this debt, and instructing them to communicate directly with XXXX if they or XXXX XXXX wanted to continue to pursue this collection. 

On XX/XX/XXXX I sent a signed copy of this letter to Caine & Weiner via certified mail. I received notification that it was available for pickup at the XXXX XXXX on XX/XX/XXXX, and was delivered on XX/XX/XXXX. After XX/XX/XXXX, I did not receive any more communications from Caine & Weiner or XXXX XXXX until XX/XX/XXXX. 

On XX/XX/XXXX I received an email from XXXX confirming that they had completed their Fraud investigation and that they had permanently removed the charge from my account because it was a fraud charge. 

On XX/XX/XXXX, I received another letter from Caine & Weiner about the debt, asking again that I submit payment. They have clearly ignored my previous letter, since they have still not contacted XXXX. This is a bad faith effort to collect, and now constitutes harassment. They are trying to scare and harass me into paying a debt that I do not owe. If they want to collect on this fraudulent charge, they need to pursue that with the bank that withdrew the payment ( XXXX ) and not with me.
I have asked for validation for XXXX, and XXXX XXXX as I am no longer responsible for these accounts. I have called they credit card companies and am still instructed that disputes have to go through the credit reporting agencies. I am no longer liable for XXXX account, XXXX account, nor capital XXXX account. I have asked the reporting agencies if they can not furnish proof that these damaging accounts belong to me and are 100 % accurate they must be removed.
I am filing a complaint because my Mortgage Insurance Company raised our Insurance {$140.00}, after we filed a claim for Hail Damage on our Home. The Increase took place immediately after our home was damaged because of a Hail Storm hit our Property. We do n't feel like its fair to raise our Mortgage Payment {$140.00} after the storm hit our House. Our Payment increased from {$1300.00} to {$1500.00} from XXXX 2016 to XXXX 2016.
TD Bank 's online access to my checking account had been out of order since Friday last week. They said it would be back on Monsday, but now it's Wednesday. Their solution is that they want me to come into the branch and use their computer instead of my web rowser. 

They also have some of my personal information mixed up with someone else XXXX phone number ) and this happened becaue of their " upgrade ''. 

I'm not confident that TD Bank is securing my personal information effectively. There was supposed to be two-factor authentication, but that never happened. Someone should look into this situation.
XXXX  in response to the letter I received from the bureau s tating WILSHIRE COMMERCIAL CAPI updated this account reporting it NEWLY CHARGED OFF WHI CH IS A VIOLATION OF FAIR CREDIT REPORTING ACT ... THEY ARE REQUIRED TO REPORT ONLY ACCURATE INFORMATION IN THIS CASE THEY ARE IN MULTIPLE VIOLATIONS ... WHICH IS WHY CFPB HAS BEEN NOTIFIED. NEXT COMPLAINT IS GOING TO FTC IF THIS ERRONEOUS ACCOUNT IS NOT REMOVE FROM MY REPORT IMMEDIATLEY ...   THIS AUTO LOAN PAST DUE AMOUNT WAS PAID IN FULL BACK IN   XXXX  . NOW THEY POSTED THIS ACCOUNT ON THE CREDIT REPORT TO ALL  XXXX  BUREAU WHICH DROPPED MY CREDIT SCORES AND NOW I 'VE STARTED TO RECEIVE COLLECTION CALLS FROM THEM ATTEMPTING TO COLLECT DEBT THAT I DO N'T OWN IN FIRST PLACE, WAS PAID OFF AND IS OVER  7 YEARS OLD ....
Never received letter from debt collector and found out about alleged account via credit monitoring service. I called to request validation and was hung up on. I sent a validation request as soon as I learned of account via regular mail and never received a response. I re-sent the letter again both via regular and certified mail ( 30 days after original mailing and no response ), confirmed that they received it, and have not received a response for well over 30 days after receipt of second, certified request. Debt collector is in violation of the FDCPA and I reserve all rights to seek damages under the FDCPA, for defamation of character, and all other avenues available by law.
On XX/XX/XXXX I opened a small business loan through Wells Fargo. When I was approved the banker stated that I was approved for a credit card as well. The banker stated that there was a promotion going on spend {$5000.00} in 3 months and get {$500.00} cash back and receive your cash back in 12 weeks. I fulfilled the offer within 3 months with over {$6000.00} spent. After not receiving my money as promised I made a call to the credit card department. The representative I spoke to stated to me that I would receive my money in 3 to 5 days. I did not receive it so I made another call the representative I spoke to said that the previous representative was misinformed and I would not receive my {$500.00} cash back from Wells Fargo for 45 to 60 days. I then made a call to the banker that opened this credit card for me and he made a call to the Wells Fargo credit card company and they stated to him that they would be paying me my {$500.00} cash back within 3 to 5 business days. Again, it did not happen. I then made another call to the banker and he stated he called the credit card company again and the person that he spoke to was misinformed and told him that I would not receive my money for at least 45 days. I need a call to corporate and made an official Complaint about this and never received a phone call back so I called back to corporate and they stated to me that I would not receive my money until XXXX of XXXX. I since then have contacted the local news and the Federal Reserve Department. My banker made a call to me and he stated to me that Wells Fargo said that he was not allowed to discuss this with me any further. Shortly after that conversation in executive from Wells Fargo contacted me and told me that they were working on it it was going to take some time. What time is there to take Wells Fargo offer and they did not fulfill their offer I am getting the runaround from Wells Fargo I'm thinking this is why they have a bad name in this banking business. Just trying to get my money and they are not fulfilling this offer that I have in clear writing.
In reviewing my XXXX consolidated Loans that were taken over by Navient, I noticed that the loans stated that they were consolidated for 30 year extension. I found this hard to believe that I would agree to consolidate for this amount of time, and wanted Navient to prove this. Also, all my other loans migrated were extended to only 10-20 years ( which made more sense ). When I asked Navient to review and confirm that this information is correct, they advised that they needed to pull the migrated records from the old loan provider from their archive system. After the call, it has been over 3 weeks, and nothing has been received from Navient. I called XXXX XXXX to ask what is going on, and they said that I will need to do the investigation myself, as they do not have records in their archive. 

I am extremely worried that they have applied bad terms to the repayment of my consolidated loans. I am not sure what to do to have this properly investigated, and if it is found to be wrong, what to do to get this fixed. 

Navient have just proven themselves to be a company that is willing to scam their customers, and when asked to investigate, they are ignoring the issue. 

I want to pay back my loans, but not through fraudulent activity such as this may be.
Dear CFPB, On XX/XX/XXXX I received a collection bill from XXXX XXXX XXXX, XXXX in the amount of {$280.00}. The alleged balance was for a credit card from XXXX XXXX XXXX  that has been removed from my credit reports because of failing to provide proof the account belonged to me. The account did not belong to me and XXXX XXXX did not provide any documents as proof as requested by the FCRA so the account was removed from all three credit bureaus on my credit report. When XXXX   XXXX  XXXX, XXXX sent me the collection bill within the 30 days time frame I replied with a request for validation as my right under the Fair Debt Collection Practices. XXXX XXXX  XXXX, XXXX did not send me such proof, and on XX/XX/XXXX ( almost 4 months later ) reported the alleged collection account to all three bureaus on my credit report. I have sent Letters to the three major credit bureaus as well requesting the account be validated, all they do is send me a notice back saying it was verified but no one seems to send proof.
I believe that if a person closed their Secure credit card account they should not have to wait 2 months to get their security deposit back. This account from discover is now showing closed on my report and i want my money back now
XX/XX/XXXX My ex-husband told me he received a phone call ( voicemail ) referencing his date of birth, and saying they were looking for me for check fraud and his name was associated with the fraud. We have been divorced since XX/XX/XXXX.
XX/XX/XXXX I received a voicemail from a Ms. XXXX, who claimed to be a " Licensed Locator '' in XXXX XXXX County. She said she had papers to serve me at my residence, referenced an address I have not lived in in more than 3 years. Then stated that if I could not be served at my home, they would have to serve me at my place of employment. It was suggested that I, or an attorney should call the " Plaintiff 's '' office. 

When I did call the number and give the referenced " Case '' number, I was told that was not the correct number and that they could not control who the locator called and what was said to whom. 

The company was ARA, and the individual I spoke to claimed that it was not an acronym, that 's the name and would not give me a mailing address. He did not give me further information because he said that I had an incorrect case number.