WillisBack/dataset-financial-user-claim huggingface dataset:
We never received any written notifications, phone calls, or messages from a company named Perfection Collections before they showed up on our credit report on Friday, XX/XX/XXXX as an outstanding debt. After some research, we found out that they are a debt collector for XXXX, a security service we used back in XX/XX/XXXX-XX/XX/XXXX, for a house we owned in XXXX XXXX, NV. We discontinued service by not signing an extended service agreement after our two-year service agreement ended and because they never responded to an intruder in the house and hired a new security company to provide services to the home. We between the years XX/XX/XXXX and XX/XX/XXXX, we have written several letters and e-mails to XXXX inquiring as to when they will clear out our account of the XXXX dollar ( {$55.00} ) security fee they charged us for what they state was something that was due to us causing the alarm to sound. However, they are responsible for providing security services and did not do that in a timely manner thus leading to another security company responding and our neighbors responding to the intruder along with the local XXXX XXXX Metro Police Department.
My parents sent me money from the XXXX on XX/XX/XXXX. I was waiting for money for 8 business days. I was calling Wells Fargo almost each business day to find out where are my money? The only answer I got was to ask the XXXX what is happening, because they do n't see the transfer, and they did n't want to do anything else. Unforunately, the XXXX was more helpful and gave me more details about the fact that money are on the US territory, and they were recieved ( so they ca n't return it ). They also got a request from XXXX XXXX XXXX XXXX XXXX XXXX AFTER a week ( so they had my money for a whole week and were keeping it without any explanation of their illegal actions ), that they are holding my money for an unacceptable reason, which moreover offended me, and my parents, because the reason was highly politincorrect ( why do they even work with my transfer, why it 's not Wells Fargo ). So this XXXX bank sent a request to my XXXX, asking if there is any connection between the name of the street in XXXX city written in the information of the wire transfer and ( please attention ) affiliation to XXXX. Can you imagine, they are suspecting the name of the street to be connected to XXXX affiliation. Name of the street ... ... I was amazed by unprofessionalism of this bank. They made up a story to hold and also use my money without my consent. They are unauthorized to do such actions. They also could n't even use XXXX search to find out that their reason is really stupid and ca n't be used as reason to hold my money. 
So, it is already two weeks, and I still did n't get my money. When I called to XXXX they told me that they do not work with individuals, and need to receive a request from the US bank. So, I called to Wells Fargo to ask them to send a request to finish the transfer, and finally return my money, but Wells Fargo told me that they do n't know what to write and what to do, because it 's not their business. They also told me that they are not responsible for actions of the XXXX XXXX XXXX XXXX XXXX, but then why does this bank is responsible for the transfer TO Wells Fargo. As a result, I have no access to my money, and no US bank want to help me to return my money. I want to repeat, that the XXXX XXXX XXXX XXXX XXXX is completely unauthorized to hold my money, and they do not have any proof of their actions. And the Wells Fargo do not even want to help to return my money, because they told that do n't know what to do, however Wells Fargo receives transfers from XXXX, and MUST have communication with XXXX XXXX.
We have been trying to work a short sale with SPS. They initially did an external value which didn't show the foundation that is collapsing. We submitted a value dispute and received a letter dated XX/XX/XXXX stating they agree with our value dispute {$22000.00}. SPS took so long to complete the decision process so that we lost the buyer. Based on their letter that they would take {$22000.00} we relisted the home to get them the required NET they require if the value was {$22000.00}. This put us at a purchase price of {$23000.00}. SPS has held the file for MONTHS again and finally decided they are countering to {$27000.00} stating our value dispute was denied in XXXX. How was it denied when it was already approved? They did a new DRIVE BY valuation - so they can not see the damages of the home. I have requested that the file be sent back to the investor for final decision - we don't have another 30 days to waste on SPS holding the file due to their inefficient processes.
Hello and thank you for your assistance in advance with this sensitive request. 

I have been a victim of fraud and placed a fraud alert on my credit reports with all three bureaus on XX/XX/XXXX. The fraud began in XXXX apparently and I have since tried to take precautions on protecting my credit from being compromised from unauthorized accounts and inquiries. I have paid over {$420.00} to credit monitoring websites and to certifying and notarizing documents to send to each credit bureau and the creditors with no luck. 
On XX/XX/XXXX, I submitted to all three credit bureaus a signed and notarized document and certified it to Experian, XXXX  and XXXX XXXX. On XX/XX/XXXX, I received confirmation that all three credit bureaus, Experian, XXXX  and XXXX XXXX signed for my certified documents. In compliance with the Fair Credit Reporting Act of 15 U.S.C. 1681, Section 611, the credit bureaus have 30 days from receipt ( XX/XX/XXXX ) to investigate and/or remove and block the fraudulent accounts/inquiries. 

It is now XX/XX/XXXX and there has been no response or update on my credit report honoring my request to remove the unauthorized and fraudulent inquiries from my credit reports. This unresolved issue is hindering me from being able to apply for a new home loan and a new car so that I can be able to provide for my family. 

I am requesting the help of the Consumer Financial Protection Bureau to resolve this urgent matter and be done with this once and for all please.
I pulled my credit report recently to discover XXXX XXXX had reported to all 3 credit bureau 's my account was deregulatory and/or over 30 days late as of XXXX-XXXX-17 my account has been in good standing & current with all payments. 
I requested a written validation letter, never received it & I also spoke with customer service at XXXX XXXX they informed me all reporting to credit agencies would be changed and updated right away due to my account being in good staying and current to date. 
I wrote to all 3 credit bureau 's requesting this corrected on my reports, the error was never verified or validated in written.
These are all inquiry that I did n't give permission to run my credit credit bureau still report and inaccurate information XX/XX/XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX lease XX/XX/XXXX cont XX/XX/XXXX bank XX/XX/XXXXI only applied to two lines of. Credit and neither run your credit score to get approval it 's secured credit card
On XX/XX/2018 my account was compromised, all of my money was transfered from my checking account into a prepaid debit account managed by Fifth Third bank called Access 360. During this time I placed a block on my Fifth Third Checking account. With this block in place automated payments for bills were charged to this account and I was subject to overdraft and item return fees. A total of XXXX  USD was subtracted from my account in reference to these automated payments due to no funds being available after my account was compromised. On the XX/XX/XXXX I contacted customer service the moment I notice the money was stolen and filed disputes. They have told me it is an issue with the prepaid card service Access 360 which is linked to my Fifth Third account. Since this has happened I have still yet to receive my funds back but now I have a total of XXXX dollars remaining in overdraft fees a total of 5 fees were assessed to the account in which 3 have been reveresed or returned, leaving the remaining overdraft balance to be XXXX dollars. I have contacted Fifth Third which they told me I needed to speak to disputes and disputes said I need to speak to customer service. All of which have said they can not reverse these fees. The fees are only there due to my account being compromised I had funds available before money was stolen and even then I blocked my account to avoid any transactions from being made yet they still took place. When speaking with customer service they had no interest in helping me only saying I need to speak to the dispute department which disputes said they can not dispute fees. I have a financial institution that has not been able to assist me with this account takeover.
Incorrect names and address on my credit report. I have had identity stolen in past and only want accurate information on my report
My home was damaged by fire in XXXX 2013, a claim was submitted to XXXX XXXX XXXX XXXX by Ocwen Loan Servicing, my mortgage company. The total amount approved by XXXX XXXX to cover the cost of the damages was {$150000.00} of which {$14000.00} was held back, and is still being held by XXXX XXXX as recoverable depreciation. Of the {$130000.00} that was disbursed to Ocwen, only {$100000.00} was paid toward the required repairs to my home. I have been trying to get Ocwen to release the remainder of the funds to enable me to complete repairs on my home, but to no avail, they are stating that all monies paid to them by the insurance company has been disbursed for repairs to the property. I even tried speaking with XXXX XXXX about releasing the recoverable depreciation to assist me in completing the repairs, but I am getting nowhere. I am currently paying the mortgage on the property that is not habitable. The other issue I am facing is that, in spite of the fact that the house repairs are incomplete, Ocwen is claiming that they have been sending inspectors to the property to appraise the progress of the repairs, and they have subsequently received a work complete report from their inspector, whose name remains a mystery. 
On another matter, I would appreciate if you would look into the work ethics of XXXX XXXX XXXX, also known as XXXX XXXX XXXX, they are the contractors whom I hired to do the repairs on my home, but they decided to take the insurance funds and not do the required work, incidentally, this was what drew my attention to the fact that Ocwen was withholding insurance funds. XXXX XXXX. XXXX XXXX, accepted and cashed checks by forging my signature.
On the XXXX of every month my mortgage payment is deducted from my account and sent to the mortgage holder. About two weeks later I receive a letter saying my payment was late and late fees are added. This goes on every month, even though I can show the payments being made and a confirmation number. I've called these people several times and I just get transferred from on person to the next, nothing gets resolved. My previously excellent credit is ruined. I need to put a stop to this somehow.
I have paid my auto insurance for nine months on time, never a late payment. I have gone from $ XXXX to $ XXXX. On XX/XX/2018, I got into a minor accident because I was told to reverse on a one way road by a XXXX airport employee refused to pop the gate. Anyway, my driver sideview mirror was damaged. I filed a claim through USAA auto insurance since i have my automobile policy through them. They told me to get an estimate from XXXX XXXX and then submit it online and via email. They said i would be issued an electronic payment minus my {$500.00} deductible. 

On XX/XX/2018, at XXXX XXXX, I emailed a copy of the estimate for {$970.00} to XXXX and to XXXX. I also took a picture and uploaded the estimate to the USAA Claims Center portal. I never heard anything back about the status for a couple days. So, on XX/XX/2018, i sent a message via the USAA Claims portal about the status. I was told by XXXX XXXX that on XX/XX/2018 at XXXX CST that my estimate was received and was sent for review. No messages or phone calls or emails after that. On XX/XX/2018, at XXXX CST, I received a portal message stating that a payment of {$390.00} was issued. After doing the math, I noticed there was an {$80.00} decrease in their payment to me, which would result in me not paying {$500.00} for my deductible but {$570.00}. 

I contacted USAA and the first rep, XXXX, was very unaware and didnt have the proper knowledge to assist. I demanded a supervisor. After being on hold for a few minutes XXXX, the Claims supervisor, takes the call. XXXX tells me that XXXX XXXX contacted the dealership on their behalf WITHOUT contacting me first to negotiate a deal on parts and labor. XXXX XXXX DOES NOT negotiate on parts and labor. So, the service tech who was responsible for my estimate, XXXX XXXX, said that the claims rep contacted her and pretty much made her order used parts instead of a new part. The estimate is for a new part, not used. XXXX stated the price of the estimate did not change because USAA prefers a used part. The costs remain the same throughout, which means I have been cheated by USAA.
NATIONWIDE RECOVERY ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you NATIONWIDE RECOVERY or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : NATIONWIDE RECOVERY or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
I filed my REPAYE application in early XX/XX/XXXXand myfedloan has still not processed it. First they told me there was some type of delay and put me on a forbearance or deferment. Then, they asked for a {$5.00} payment in the beginning of XX/XX/XXXXwhich I made and then failed to put me on the reduced payment plan. Rather they put me on the regular payment plan with a payment I could n't afford. I was assured that the reduced payment was coming soon despite my account and statement showing a very large payment. Very close to the due date of the large payment I reapplied for REPAYE and when I called for the status of my application I was told that my original REPAYE application had now been rejected and that I had to restart the whole process. I thus had to apply for a forbearance which I did n't want to do.
I would sue this company but I do n't think there is a private cause of action for what they did being that it seems it is preempted by the CFR regulations.
Hello I tried applying for a loan on XX/XX/2017 and when XXXX XXXX XXXX checked my credit score from equifax it appeared as my dads name.it also showed his date of birth Please get back to me
I have received a garnishment on my most recent payroll from my place of employment at XXXX XXXX in XXXX, Illinois XXXX in the amount of {$170.00}. Today XX/XX/2018 I received a letter from Newman, Hesse & Associates, which I have attached and uploaded. This letter has Case No.  XXXX and I have no idea where this came from?
I submitted an online bill payment to Ditech for a mortgage payment on XX/XX/XXXX and confirmed with my bank ( XXXX XXXX XXXX ) that the payment was mailed XX/XX/XXXX. I was advised by a Ditech rep XX/XX/XXXX that payments are backdated based on when payment was postdated, which I learned later may be incorrect. Ditech posted my XX/XX/XXXX payment on XX/XX/XXXX and reported 30-day late with all XXXX major credit bureaus. I called Ditech XX/XX/XXXX and they advised me they would escalate my customer service issue to a supervisor named XXXX XXXX so they can review recorded calls substantiating how I was misadvised on payment processing/posting times. I did not receive a call or any correspondence from Ditech so I conducted a conference call between my bank & Ditech to resolve payment issue on XX/XX/XXXX. I spoke to XXXX XXXX at Ditech and she was very dismissive of my request and became very agitated indicating there was no wrongdoing on their end in regards to posting 30-day late. I simply asked how they verify when a mailed payment was received and she gave me XXXX inconsistent responses. The first response indicated a Ditech employee stamps the payment with a date of receipt while later during the call, she indicated that I should call the XXXX post office because they stamp when it was rec 'd. Understanding that the call would not result in a resolution, I ended the call respectfully. I was wrongfully treated as a customer who habitually makes derogatory payments. I work in the mortgage industry and understand the importance of making timely payments. I have not had any 30-day late payments since XX/XX/XXXX, which is testament to my character and willingness to pay-as-agreed but Ditech thought otherwise and was unwilling to further investigate why the payment was processed a week after it was sent out when my previous 6 payments were made thru the same system but was posted within 1-2 days of when it was mailed. Please contact me so I can provide more details and provide documentation to support my claim.
XXXX XXXX XXXX  XXXX XXXX opened XX/XX/XXXX reported XX/XX/XXXX balance {$480.00} acct:XXXX XXXX XXXX XXXX acct:XXXX XXXX opened XX/XX/XXXX reported XX/XX/XXXX balance {$300.00} i have been trying to fight this for years i have never applied for any kind of payday loan they recently started contacting me i was asked several times to varify the last 4 of my social and my birthday in which i confirmed and was told my info i was given them didnt match they record and was told they could not assist me anymore i have contacted them to get validation on the account and they refuse to send me the info ... if they cant tell me any info i would like this removed from my credit
I submitted and it was confirmed that all documents requested were received and on XXXX XXXX, 2015. Caliber was supposed to cancel the sheriff 's sale date set for my home on this date, it is now XXXX XXXX, 2015, the Caliber web site states the following about my account : " At this time, all necessary documents to complete the review of your request have been received by Caliber Home Loans , Inc . The review will take up to 30 days to be completed and a decision provided to you. '' Again, it is now XXXX XXXX, 2015 and will be XXXX XXXX, 2015 on Monday. Caliber has not cancelled the sheriff 's sales as required by Minnesota law. My HUD agency and housing specialist at XXXX XXXX XXXX, XXXX XXXX called Caliber to inform them that Minnesota law requires their cancellation of the Sheriff 's sale once a modification review begins and all documents are received. XXXX also called Caliber 's law firm : XXXX, XXXX, and XXXX at XXXX to inform them that Caliber is breaking the law by not cancelling the sale once all mod documents are received and a review is underway.
An individual from P & B Capital Group has called me on my phone and at work ( in the Do Not Call registry list ) and left XXXX messages indicating that there is an urgent matter that they want to discuss and that it may be something that I am not aware of. However they feel that they must now contact my employer for employment verification- this is not something that they can do or not sure what the point of that is for. I have not received any written notification of outstanding debt.
My husband and I settled on a XXXX XXXX new construction on XX/XX/XXXX. During settlement we were told our mortgage will be sold within 30 days. On XX/XX/XXXX we received a letter from XXXX XXXX that our mortgage was sold to XXXX XXXX XXXX. On XX/XX/XXXX XXXX reported our mortgage loan to the credit bureaus. Even though our loan had already been sold, and payments were supposed to go to XXXX XXXX. XXXX XXXX   reported the loan as Open and current status. Again our loan had already been sold. on XX/XX/XXXX. XXXX XXXX XXXX report the loan to the credit bureaus as an open account and current status with them. on XX/XX/XXXX XXXX XXXX   reported the loan to the credit bureaus again. When my husband and i pulled our credit reports, we now have two open mortgage loans on our credit report ( one loan {$470000.00} and {$470000.00}. This is totaling a loan debt of {$950000.00} ). Both of our credit scores have dropped a combined 59 points. I have contacted our loan processor and settlement processor via email and voice message, and they have not responded. I have one mortgage loan, not two. My mortgage loan is with  XXXX XXXX XXXX not XXXX XXXX XXXX. I have requested for XXXX to report to the credit bureaus that my loan account with them is closed and they no longer have my loan. Nothing has been done.
I sent a formal dispute letter to Experian Credit Reporting Agency. About a account on my credit report that ca n't be verified. This debt was owned by XXXX known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After my Personal Financial Coach Investigated the account on my credit report the account was transferred to XXXX XXXX XXXX. After the Investigation with XXXX they could n't find the account either. At this point the account on my credit report can not be found by XXXX XXXX XXXX or XXXX XXXX XXXX. 

After sending the letter to Experian to Investigate the item on my credit report the situation was never resolved properly. They claim that they investigated the item and it belongs to me and how come neither XXXX XXXX XXXX and XXXX XXXX XXXX ca n't find the account to discuss it with my Personal Financial Coach XXXX XXXX. By the Fair Credit Reporting Act, I can have whom I choose to help me with any account that is not reporting correctly on my credit report. I am going to provide audio recording to prove that Experian Credit Reporting Agency never investigated the account. I am providing the letter I sent to Experian Credit Reporting Agency and Tracking Information to prove they sign for my letter. I also, did a Original Creditor Dispute to do my own investigation. I am going to provide that letter I sent to XXXX XXXX XXXX and XXXX XXXX XXXX as well.
Sarma made multiple hard inquires to all three credit reporting agencies : XXXX - XXXX, XXXX - XXXX, and XXXX - XXXX, see attached. This has harmed my credit and credit worthiness as well as my ability to move. WHY is SARMA hurting my ability to move and making unauthorized hard pulls?
I have tried several times to dispute the lates that are reporting on all 3 of my credit bureaus and also with XXXX. They state that they are correct but I always signed up with them for extensions and now they wont talk to me since they are paid off. I just would like my reports to have no negative effect since I paid them on time all the time. They also have my wifes address wrong.