WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX I sent a letter to XXXX XXXX XXXX XXXX XXXX requesting a Public Record on my File be removed from my report. which show up as a bankruptcy, along with a letter from the U.S court house stating that they don't report to third parties. The Bankruptcy isn't even under XXXX XXXX. Equfax stated to me over the Phone that the U.S Courts Reported the bankruptcy to their company I ask Equifax to provide me with the information from the U.S Courts the person from Equifax stated that the cant.
WELLS FARGO XXXX By now I have attempted numerous times to bring to your attention that Wells Fargo IS in fact IN VIOLATION of the " short term mortgage assistance offer- SECTION B '' where it states that you Wells Fargo '' may NOT impact and report this account as ONGOING SERIES OF LATE PAYMENTS '' ... I have attached the agreement AND credit reports where you CLEARLY violated and keep violating this SECTION B - ALSO, you are reporting the past due balance on this account to the bureaus as {$62000.00} WHICH IS WRONG!! and the actual and accurate amount still due to you as of XXXX XXXX, 2017 is {$34000.00} .... ( see attached statement YOU- wells fargo ) sent me! You have violated section B of the contract and violated Fair Credit Reporting Act rules and regulations by reporting WRONG/INACCURATE/FALCE information to the Credit Bureaus and have been damaging my personal credit rating for 2 years now.
Experian and XXXX failed to positively verify the account, and has hurt my ability to obtain credit. XXXX  XXXX XXXX XXXX was never paid late. Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed
On XX/XX/2018, in anticipation of paying off my auto loan with XXXX XXXX XXXX, I updated my address in their online account management system. On XX/XX/2018, I paid the balance of this loan on their online system. On XX/XX/2018 I still had not received my title in the mail. I called their customer service line at ( XXXX ) XXXX and was notified that my title had been mailed to the wrong address. I was placed on hold for over 30 minutes. The customer service representative acknowledged that the title was mailed to the wrong address. I was then told I would have to go to the DMV for my title. The customer service rep mentioned I would be " reimbursed '' but did not have any details regarding how this would be accomplished. It is my understanding that as the lienholder, they must be the ones to apply for the new title, so I do not know how I can get this from the DMV.

Considering how difficult it was just to get information from them on the phone, I do not have any confidence that I will be able to get my title or get reimbursed. Further, how will they reimburse me for the time I have to take off of work and the inconvenience of visiting a DMV? How will I be reimbursed for the hours I spend on the phone with this company? It is not my duty to obtain this title - they need to send it to me. They need to go to the DMV and sit and wait and waste all day and send my title to the correct address. Further, they are not taking any action regarding the fact that the title was mailed out to the incorrect address and could now be in the hands of the incorrect car owner. 

While on hold with XXXX XXXX XXXX on XX/XX/2018, my account was updated to reflect that I am owed a refund in the amount of {$2.00} since XX/XX/2018. This money has not been remitt4ed to me to date.
Midland Credit Management , Inc, is reporting me for collection unjustly because I tried to pay my supposed debt with them and they say that my account is under other company. However, they continue reporting me for collection. It is happening for at least three months. In addition, they have increased the amount of my debt without a reason. My question is, how a company can report me to collection when I have called them three times on three different months to pay my debt and they do not want to give a solution to my case? According to their representatives, my debt is under a legal department but I did not receive any paper from that department and also they have to supposed to receive my payments and do not report me for collection because I have been opened to pay my supposed debt
Student loans were taken out in XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX. All of the loans went delinquent inXX/XX/XXXX when I filed bankruptcy, which means they are way to old to still be reporting to the three credit reporting agencies. Over the course of the years the loans have been consolidated or transferred into new loans and they continue to report. I believe that XXXX is purposely manipulating the date of first missed payment to a later date so the loans fall within the 7 year limit therefore allowing them to continue to report. All of these student loans should be deleted from all three major credit bureaus given the fact they went delinquent inXX/XX/XXXX. I am including the payment history provided by XXXX   that directly contradicts what they are reporting and proves my claim. I have made multiple efforts to dispute with all three major credit bureaus and have not been successful.XX/XX/XXXX reports back information as accurate. I have not received any correspondence back from XXXX with an explanation as to why the deliquient dates they provided to credit reporting agencies are incorrect and why they will NOT delete all the loan information from the Bureaus. Highlighted in yellow on the attached document shows the exact dates of the first delinquencies. As you can also see no NEW loans have been taken out since XX/XX/XXXX and all the loan info since is some spinoff of the original loan. My complaint is to XXXX for failing to report accurate information that would lead to the deletion of these loans, To Equifax, XXXX, and XXXX, for not removing the old loan information when I provided proof to them that the information being provided to them is not accurate Attachments XXXX XXXX XXXX
This company has been attempting to collect a debt that has been identified as identity theft. The debt is not mine and has an address attached that I have never been associated with. I have written and called them numerous times to request documentation showing me originating the debt and they just mail me credit card statements that are not mine. The original debt is from XXXX XXXX who has agreed the debt is the result of identity theft yet this collection agency continues to pursue me. The real crux of my complaint is that over the last few months they have done a hard inquiry on my credit file every single week ( over 23 times in 3 months according to XXXX ). These unwarranted and unauthorized inquires have resulted in me experiencing a significant drop in credit scores which has left me unable to obtain financing and paying higher interest on existing debts. I feel as though there is no ligament reason for the obscene number of credit inquires recently conducted by this firm and the only explanation is that they are maliciously attempting to attempt an illegitimate debt through coercion.
Filed chapter XXXX bankruptcy XXXX/XXXX/XXXX, approved for XXXX XXXX credit limit of XXXX, XXXX XXXX XXXX and XXXX XXXX for XXXX in XXXX of XXXX. Bankruptcy XXXX in XXXX of XXXX. Fast forward to XXXX checked my credit report XXXX Experian showed that all three credit cards where added to chapter XXXX bankruptcy I then called experian to see how that was possible since I did not add them on list of creditors for bankruptcy. Agent then told me that sometimes when someone applies for anything before discharge date that what ever accounts are open at time will be added to bankruptcy and the creditors are the ones who contact credit bureaus with information and that I should contact credit companies. Since XXXX XXXX was the creditor still emailing me stating that I owed them I contacted them just for them to tell me the exact same thing XXXX told me. So I stopped paying on the credit card. Now here we are months later of going back and fourth with this particular situation all 3 credit cards have been added back to equifax and XXXX report and has my score droped because of higher utilization rates, late fees and now I have extra credit cards that I do n't not need because I opened 4 other cards to restablish credit now there is a total of 7 cards that I can not pay for.
I had no disclosure of the debt until I pulled up my credit report to find that I had an account in collections. Now my credit score has plummeted and I was never contacted regarding the debt previous to this.
I have been seeking a loan modification with Ocwen Loan Servicing for months. On XXXX/XXXX/2016 they verbally agreed to a discount payoff agreement. On XXXX/XXXX/2016 they followed up the verbal agreement with a letter stating the terms of the agreement. I called Ocwen back on XX/XX/XXXX@XXXX EST to get clarification on some of the items in the agreement letter only for the Ocwen representative to inform me that we no longer have an agreement. That the loan has been referred to a third party. I was not able to get any information about this third party except a phone number for me to call. 
I will like for Ocwen to honor the agreement we had on XX/XX/XXXX, reinforced by the letter they sent. We have an agreement. This agreement requires me to pay a certain amount and Ocwen will release the deed to the property. The agreement letter also states that 'Ocwen agrees that it shall not transfer any further obligations or rights to pursue further judgeent or deficiencies to a third-party debt collector '. But it seems this is what they have done. 
Please help in persuading Ocwen to abide by the agreement contained in the letter the sent to me on XXXX/XXXX/16
i deposited nearly {$40.00} into coinbase, tried 6 different times to submit an identity document so i could pull my money back out after deciding it was too sketchy, after getting my identity document finally approved after two months, i cant pull my money out of my account due to buggy websites, site delays, constant maintenance, and over all terrible costumer service. ive done a lot of research and seen many other people experiencing the same problems
I could n't get past the page that required me to present with accurate answers to questions regarding transaction information on my ssn in the last 4 years that I was populating accurate information for but ended up getting blocked out from retrieving the credit report on freecredit reporting website. I was trying to retrieve information from all XXXX credit reporting sites but equifax popped up questions that eventually blocked me out. I then tried retrieving specifically credit report from XXXX but that returned a message indicating my free credit report for the year was already retrieved from them. I have n't done this. Can you look into both - I want a credit report from all XXXX firms. Also if its any help, I am already a victim of aggravated fraud, hate crime, trade secret misappropriation and copyright infringements. Please help.
I purchased a car from XXXX XXXX XXXX XXXX the finance manager told me I had to have extended warranty to get loan ... .when Capital One Auto Finance called to verify loan info .. they made me aware that I didnt need extended warranty to get loan ... I informed Capital one representative that I didnt want the extended warranty and that the dealership told me I had to have it to get the financing approved. The representative from capital one said I needed to contact the car dealership which I did ..they said they would cancel the extended warranty and that they wouldnt redo paperwork it would just shorten the loan period. I called back Capital one and wxplained to them what finance manager had told me ... Capital one rep didnt act like it was anything to be alerted about ... I was unaware of the this credit of ext warranty not happening in a timely manner .. I feel like capital one knew I didnt want extended warranty at all and they should of contacted the dealership as soon as I made them aware of the situation.. Im not in the loan business and I feel like they took advantage of my ignorance ( I didnt realize I would be paying interest on this amount for something that I told Capital One I never wanted and was deceived into thinking I needed to have for the loan ) capital one told me its not their problem and that I would need to take up with dealer if I wanted the interest and fees rebated .. I feel like the dealership and Capital one are clearly guilty of deceptive practices. The warranty is still not credited to my auto loan. I purchased the car XX/XX/XXXX had to follow up with XXXX XXXX XXXX mult times asked him on XX/XX/XXXX how he sent cancellation form ( email, fax or easy care website because they never received it ) .. finally had confirmation from extended warranty they received on XX/XX/XXXX they explained could take as long approx XX/XX/XXXX for dealership to have check for extended warranty and then would send it to capital one .. all the while Im being charged on that amount for something I never wanted and not even guaranteed a time frame of being credited.. I believe both XXXX XXXX XXXX and Capital One Auto are guilty of unfair, deceptive, predatory lending practices. Please see attached part of email from finance manager asking me to cancel dispute with Capital One.
First, Citibank changed the email address from which it sent my statements without notice ; as a result, my XXXX statement of {$340.00} was emailed directly to my spam folder and I had no notice of it. The XXXX statement had a payment due date of XXXX XXXX, 2017. Then, I did not receive notice of the overdue statement balance until XXXX XXXX, after receiving numerous phone calls -- the phone calls were basically nonstop and I had a crazy number of voicemails left on my phone. That same day, because of the phone calls, I went to my online account and saw the overdue balance, and that my XXXX statement included interest charge of {$6.00} and a {$25.00} late fee, bringing my total balance to {$370.00}. I immediately paid the balance in full ( {$370.00} ). The XXXX statement had a due date of XXXX XXXX, 2017. I then called Citibank to explain what had happened, and the customer service represented told me that once my payment had been processed, to call back in two days and they would refund me the interest and late fee. I called back two days later once the payment had been processed, only to be told that Citibank would NOT refund me the interest and late fee, even though it was their fault I had not received the XXXX statement. I was so frustrated that I decided to cancel my card -- I have great credit and have never had this type of issue with a credit card company before, and so decided I just would n't deal with Citibank. I then received my XXXX statement. Even though my XXXX statement was paid IN FULL on XXXX XXXX ( much prior to the XXXX XXXX due date ) and had a XXXX balance, Citibank charged me interest AGAIN. I then called again to explain the issue and their mistake, only to be told they would n't be refunding me. They 're literally thieves at this point. Lastly, I ca n't even download my statements from their website -- so I have had to take screen shots to send to CFPB.
I sent a Letter of Demand Under Section 604 of the Fair Credit Reporting Act : I see these inquiries on my credit report. I would like these Items removed immediately. Please provide me Permissible Purpose. Proof that I initiated the Inquiries and Written Authorization on all inquiries. I have been a victim of identity Theft. Under Section 605B of the Fair Credit Reporting Act you are required to block unauthorized accounts within 4 business days. Please see my 10 page attachment ( Your Duties Under The Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. 

Equifax Inquires 1 ) Equifax - XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX 1 ) XXXX XXXX XXXX XXXX, XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX 1 ) XXXX XXXXXXXX XXXX - XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX 2 ) XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, NJ XXXX
Equifax was negligent with their security systems that protect my private information from being accessed for fraud. 
My private social security information and credit card information is now in the hands of criminals. 
I was denied access to my security PIN at XXXX PM on XX/XX/XXXX when I attempted to place a freeze on my account. I was never given a PIN in order to " thaw '' my credit. I will have to send my personal information, and possibly money, to an organization that already proved itself incapable of being trusted in order to unfreeze my credit.
File number XXXX dated XXXX/XXXX/2015 by Transunion reflects on page XXXX of XXXX ' XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Paid Collection shows above XXXX XXXX XXXX I HAVE NEVER OWNED A XXXX IN MY LIFE. NOR FINANCED XXXX TRANSUNION SHOWS A 30 DAY LATE WHICH IS WRONG
Upon reviewing my credit report I mailed  a 609 let ter on  XXXX   XXXX ,  2017  by certified mail in order to remove an account that is on my account due to fraudulent activity. On  XXXX   XXXX ,  2017 i  issued a fraud alert on my credit report so that this could not happen again. I have not heard back from experian and would like this account to be deleted from my report.
Back in XX/XX/XXXX 2015 I XXXX and due to being on a collection XXXX ended up going to XXXX. There I did give my information ( medicare ) and I got my XXXX XXXX XXXX XXXX. The morning after the XXXX had already come off ( shoddy work ) and after a days work I only had XXXX left ( I ended up having to XXXX myself ). Month or two later I get a bill XXXX where they want {$340.00} from me. I promptly respond to the bill asking them to explain. What I got from them was what I am including as an attachment ... .i.e. a very cryptic itemized invoice that explains nothing. It does show the XXXX ripping off medicare for XXXX and me for the rest! I wrote them back telling them thats not going to work. That was the last I heard from XXXX. 
Later I get a letter from RCMC ( collector ) asking for the money. I go through the same process of writing to them and last week I get notified they have added this to my XXXX credit file.
XXXX is reporting negative information on a prior balance with XXXX. This balance has been paid and resolved, however it is still showing in collections on my credit reports.
I have had this company reporting to my credit report since XX/XX/XXXX. I recently began cleaning up my credit and have asked this company twice via certified mail to validate this debt to them. I sent the first certified letter on XX/XX/XXXX, they signed for this letter on XX/XX/XXXX. I sent the second certified letter on XX/XX/XXXX, they signed for this letter on XX/XX/XXXX. To date they have not responded and they have not complied with fcra laws regarding marking the credit report disputed.
About a month ago I informed my bank about a refund that I had not received from a merchant that I returned merchandise to in XXXX via 2 day priority mail signature confirmation. I was told that as a courtesy the charge would be reversed while the investigation was being performed. I also told the bank customer representative that I filled a FTC & XXXX complaint but the company has yet to respond. I contacted the company again in reference to my refund and that I 've reported the company to the FTC, XXXX & I 've had the charged reversed by my bank & to my surprise although all numerous previous communication attempts went unanswered, I was told that none of the named entities would guide their actions. I supplied the bank with the tracking information proving I returned the merchants merchandise but to date I have n't heard anything about the investigation nor was the charged ever reversed.
I have been trying to resolve an American express fraud case since XXXX. I am hearing impaired and can`t hear the people that don`t speak my same language. I was told by an American express supervisor to ask for XXXX supervisor but they keep giving me someone I can`t understand even though I am XXXX and did what I was told to do. I keep getting rebilled for unauthorized charges and now they sent me a letter saying they can`t find the charge for XXXX.see attachments. It is clearly stall tactics so you will give up.I have tried repeatedly. some customer service reps say the fraud claim was not even filed yet I have letters from the fraud deptXXXX was supposedly blocked from billing me yet there it is XXXX/XXXX/XXXX. how do I know it isn`t an XXXX employee or American express employee frauding this card? it should not be this difficult to rsolve. I contacted the fraud dept via fax XXXX/XXXX/XXXX as I was told to do by XXXX an employee in the fraud dept. still no response
I opened an account with PNC bank two years ago. When opening this account I explicitly opted out of their overdraft service. Today, I found that my account had received over {$150.00} dollars in overdraft fees. I used PNC online banking service to confirm that my account had in-fact opted out of PNC 's overdraft service, yet despite this I was still receiving overdraft charges. 

Even though I called PNC and was able to have the charges removed, the fact that I was charged at all is in violation of federal law. I would ask that the CFPB investigate PNC banking practices to see if other customers are being charged for unwarranted overdraft fees. I have reason to believe that PNC was fully aware of the fact that I had opted out of their overdraft service, but was attempting to charge me for the service regardless.
I had a student loan with XXXX. The loan was placed for collection with XXXX XXXX XXXX where it was paid in full. I have attached a copy of my credit report from XXXX showing a " paid charge off '' with XXXX a " paid coll '' XXXX. 

This week when my report was pulled the XXXX now shows the balance again and " charged off '' on the account. This is a violation of my rights under the Fair Credit Reporting Act Sect. 623 XXXX a ) ( 1 ) ( A ) reporting information that they know to be incorrect. The bureaus have allowed a paid charge off to be changed to a charge off and a paid balance to be reinserted when they know it to be otherwise. 

I have disputed this with the XXXX credit bureaus and they left it on the file. This violation of the FCRA is a violation by by these credit bureaus
I contacted AAFES a few weeks ago asking them to delete late payments. I explained to them the reason why I was late and my efforts to make sure it never happens again. I never got a response. I had to call to learn my request was denied. I am disappointed because as a XXXX, I would think AAFES would work with military members. They did not explain why my request was denied. To make matters more confusing, AAFES was garnishing my pay so I safely assumed that would be the normal thing until the account was paid, which is why I stopped paying online. It didn't make since to pay the bill more than once. I was never notified of the garnishment and I wasn't notified when it stopped. I signed up for a payment plan to make sure I make the same payments on time. I'm even willing to pay more towards the loan if someone would assist in removing the late payments. I am asking for compassion due to the fact I fell behind on payments because I had to get a new vehicle the same month I started a new job. All of this I also explained and I got no help, guidance, or sympathy. All i'm asking is for someone to work with me.
The judgment was satisfied trough wage garnishment which was paid off in XXXX. This debt shows as paid on my credit report. 10 years later, MacDowell & Associates sends a wage garnishment for the exact same amount that was already paid to them. This debt has been paid. The judgment was entered in XXXX and paid off by XXXX.
On XX/XX/2016 I was notified by XXXX and my fico of a change on my XXXX credit report. I see that The home depot and a charge credit account in the amount of XXXX with a balance of XXXX. I called Home Depot to inform them that this account wasnt mines and to remove my name. I was told by their customer service rep name XXXX that Home Depot was not allow to remove me from this account ending in # XXXX. They also could tell me who use my information.