WillisBack/dataset-financial-user-claim huggingface dataset:
I had a Walmart Credit Card that was issued in 1977 recently closed out due to inactivity for a few years. I was not notified of this in advance according to California civil code 1747.85. 

I contacted Walmart by phone and they refused to re-open the account for me. I was very disappointed to lose this credit history of 39 years!!!!
XXXX RAN MY CREDIT ON EQUIFAX WHILE I HAD A FRAUD ALERT THUS CANCELLING TWO APPLICATIONS FAILED. I WANT BOTH INQUIRIES REMOVED SEE ATTACHED
TransUnion and XXXX is showing a collections account from XXXX XXXX that has been paid via settlement. I have disputed said account with both bureaus to have the account deleted from my credit report but to no avail.
I payed off my debt but its still on my credit this is the company name and number Fair Collections & Outsourcing account number XXXX Creditor : XXXX XXXX XXXX XXXX my name is XXXX XXXX
I am writing regarding several bills that have been incorrectly and falsely sent to collections by the billing office of XXXX XXXX XXXX in XXXX 2015. This matter impacts both myself and my husband, XXXX XXXX, as we both visited XXXX XXXX 's office on five ( 5 ) total occasions between XXXX - XXXX 2015. 

At the time of each of our visits, I paid a {$20.00} co-pay per visit per the requirements of my insurer, XXXX XXXX XXXX, and the requests of XXXX XXXX 's office. The insurer stated on their website and confirmed via phone that {$20.00} was the correct co-pay amount. XXXX XXXX is a Tier XXXX Preferred provider under XXXX XXXX 's policy, clearly documented by a screenshot of XXXX XXXX 's website and my phone conversations with their representatives. 

However, XXXX XXXX 's office inaccurately charged both my husband and I an additional {$40.00} per visit and submitted the difference to collections. 

I have contacted XXXX XXXX repeatedly regarding this matter, who confirmed that the correct co-pay amount is {$20.00}. I spoke with a representative there as recently as this month, who confirmed this again and stated that XXXX XXXX has contacted XXXX XXXX 's office with the same information. 

I have also contacted XXXX XXXX 's office repeatedly regarding this issue and stated in writing in XXXX 2015 that there was no basis on which to submit this matter to collections, and repeated that assertion this week. However, XXXX XXXX 's office still submitted the bills to collections, where they remain. 

The dates of the visits in question are as follows : XXXX XXXX XXXX/XXXX/15 XXXX/XXXX/15 XXXX/XXXX/15 XXXX XXXX XXXX/XXXX/15 XXXX/XXXX/15 Per this documentation, we have asked XXXX XXXX 's office to remove these bills from collections immediately, however they have refused to do so. We have also asked that the office immediately contact the credit reporting agencies - XXXX, XXXX, and XXXX - to have these items removed from both of our credit reports. 

It is troubling that XXXX XXXX 's office failed to exercise any due diligence to obtain accurate information before submitting these claims to collections, and has still failed to resolve this matter nearly a year later.
After reviewing my credit score and report, I am looking that there some information inquiries and accts added to my report after this was deleted before XX/XX/2016. This is impacting my financial and health situation. not sure why this information is in my credit report after been deleted.
My name is XXXX XXXX. My loan was recently transferred by XXXX to ShellPoint. ShellPoint for some reason put the loan in the " Bankruptcy '' category. And because of that all my previous payments went " somewhere '' and did not reflect on my current account activities. As the result, my account today showed " 3 payments past due. '' I also received a letter " Intent to Accelerate. '' They locked me out of my account, then somehow it was turned back on last month, and now I 'm barred from making payment. 

I left a message and faxed them previously, most recently last month, yet no one tried to call or contact me back regarding the matter. I 've started receiving pre-foreclosure letter. 

ShellPoint customer service is not helping me, they do n't disclose information as of why or how or how to deal w/ the matter. They would tell me they ca n't and only BK department can, yet NO ONE from BK has ever tried to contact me or responded to my requests! 

This also affect my credit rating, and the pain and sufferings I 've endured in the last few months.
I am filing a complaint agains t LVNV Funding, LLC, for unfa ir/unlawful debt collection practices. This company purchases charged off accounts from creditors then misrepresents themselves in court as  the Judgment Creditor. Apparent ly, they filed a judgment against me in absentia and are now trying to garnish my wages. I work for an employment agency as a long-term temporary employee and barely make enough to live on, so I ca n't afford a garnishment. Although, that is a moot point as this is n't a valid debt to begin with. According to the paperwork I only just received on Friday,  XXXX   XXXX , there was a Judgment filed on  XXXX   XXXX ,  2008 . I was never privy to any information about said court date ; I never had a Summons served, I received neither phone calls nor letters from them - not an absolute thing. I have not been told who the original creditor is, so I have no proof that this debt ever belonged to me, and, finally, all of my old charged off accounts have fallen off my credit report this year.
I have an account that was closed in 2016 but recently i noticed a 30 day late pay show up. It shouldn't be possible to have a late pay show up on an account that has been closed for 2 years. I have tried to have the bureaus correct it but had no success. Please help me.
Transunion continues to report information that is inaccurate even though I 've disputed it several times. Transunion has not verified the information since XX/XX/XXXX and XX/XX/XXXX therefore it should be removed. I am being discriminated against by Transunion.
I did signed as a grantor for a lease to one XXXX XXXX who longer longer live on the property [ he did told before he moved out that he has paid all outstanding debt ] until a collection agency [ Southern Managmentent Systems-+XXXX XXXX XXXX ] contacted me saying he not honored payment to an amount {$1000.00} and told me all their attempts to get XXXX failed.I did provide them with XXXX phone number and they confirmed he has acknowledged the debt and will make first payment on the XXXX/XXXX/15.Before this, southern management has gone ahead to place the debt on my records, their reason-they called me several times and could not reached me.When XXXX failed the honor the XXXX/XXXX/15 deadline one XXXX southern management systems called that, since XXXX failed I should start paid.I did paid {$120.00} with him agreeing to contact XXXX for payment of the rest.In XXXX I did not hear from XXXX of his efforts to getting XXXX to pay the rest of the money, I did paid {$220.00} anyways.Today XXXX/XXXX/15 I did respond to a missed calls from XXXX, in our talk I asked XXXX to tell me what efforts has has made so far to get the money from XXXX and also to removed the collection from my records since that collection report has made it difficult for me to make money [ can not longer trade stocks ] to paid off the debt.He told me he was not ready to do that and therefore report will remain in my records-he does n't care and hang up on me.Prior to this XXXX XXXX has always used verbal threats as mode of communication when he does n't want to answer my questions.He told me once his company does n't accept cheques ( which was my prefer payment option ) as a mode of payment, my checks on the company 's website proof this not be true-I have since told him he liar and any future liar to me will not be taken lightly.
XXXX XXXX alleges a debt of {$770.00}. 
My Current Balance as of XX/XX/XXXX is {$430.00}. 

Exeter Finance alleges a debt of {$11000.00}. FDCPA, FCRA, RISA, MVISA Violations. 

XXXX XXXXXXXX XXXX XXXX XXXX allege a debt over {$17000.00}. FDCPA, FCRA VIOLATIONS! Misleading, Character Assassination Failing to Credit Account when XXXX XXXX was an ABSENTEE PARENT in XXXX!
I have been the victim of identity theft. Someone has gone to multiple departments to open up lines of credit. These stores include : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX as the so far listed names. As I did further investigation, I also have suspicious detailing of someone pulling up my credit report.
Hello my name is XXXX XXXX I am contacting you about University Accounting Service ( UAS XXXX ). my school was shut down due to fraud which was XXXX College and now the private loan still wants their money even though the Federal Loan was dismissed and I was reimbursed {$1500.00} I feel that this might be fraud because they still want me to pay {$2000.00} towards the private loan I would appreciate if you can investigate this thank you
Citibank sent me a letter dated XX/XX/2018 saying that they were going to charge me for insuring my apartment. The letter acknowledges that I have homeowner 's insurance already but says it has to purchase it for a past period. 

Citibank does not claim it actually purchased insurance for me, it says it is going to purchase insurance and charge me {$100.00}. 

As everyone knows, no insurance company will ever pay to insure a period of time that has already ended. So, it is impossible for me to purchase insurance for that period. It is also impossible for Citibank to purchase insurance for that period, but they still plan to charge me {$100.00} even though they will not actually buy insurance with that money. 

I called Citibank today and they said the letter was valid and they are going to charge me {$100.00}, even after I explained the situation.
I contacted lexisnexis about inaccurate information on my lexisnexis report. I disputed all the inaccurate unverified information on XX/XX/2018, I asked them to verify all of the items on my report by providing original documentation from the data furnisher, along with any representative they spoke to. On XX/XX/2018 they sent a letter claiming to have verified all of the information but failed to provide the information on how all of the items were verified.I will include the letter I sent to Lexisnexis along with the letter they sent to me claimg to have verified the information. I want all disputed items deleted immediately.
I could n't see the lender agreement until after the loan was processed so I did n't see the true cost of the loan before I agreed. I thought the loan should be paid off by now, so i contacted them. I got the {$600.00} loan 90 days ago, I pay {$210.00} every 2 weeks and I was told I still have a balance of {$810.00}!!!! Please, Please, Please HELP ME!!!!
On XX/XX/2017 I found a Hard inquiry from this company on Credit report. I have not or nor have I started business with the company stated which is Gateway One lending and Finance XXXX, CA XXXX. I have not requested any Car loans or vehicle lending service. I submit in full confidence that this is a major error that has and could still negatively affect me. I require a release from this company in writing to have this removed from my credit report. Despite having over XXXX consumer complaints on the bbb, I am sure I can seek and receive a satisfactory outcome in this matter. If you could, once confirmed please send a letter via through the cfpb portal so that I can have a copy on hand. Thank you.
The website was very confusing. There are XXXX things WRONG on my personal record. 
XXXX WRONG addresses : ( I looked them up on the Internet ) I never lived at XXXX XXXX XXXX, XXXX , TX . XXXX ( it 's low rent housing ). 
I COULD N'T have lived at XXXX XXXX XXXX, XXXX, TX. ( it 's a XXXX ). 
I was NEVER employed at XXXX XXXX XXXX. They manufacture XXXX XXXX XXXX. 
When I lived in XXXX, I was the morning radio partner of XXXX XXXX at XXXX. 
I was known as " XXXX Summers '' on the air, as ALL people in show business, do NOT use their REAL names to protect their PRIVACY. 
Yet, somehow, my REAL identity was STOLEN, and I 'M the one who 's been fighting it for30 YEARS now.
Barclays bank continues to send me correspondence that there is a balance owed and due when in fact we have settled the account and the account balance is XXXX. Barclays has not updated the credit reporting agencies and will not provide written confirmation that the account has been settled and is at a XXXX  balance and has not provided that information to the credit reporting agencies. XXXX XXXX at Barlcays will receive this complaint and that is the person who I have been trying to get this information from. XXXX is not going to provide an unbiased response on this report and so it should be transferred to another corporate representative to prepare the response.
As parent in a middle class family our children do not qualify for state or federal grants instead we had to take loans to pay for college " Parent Plus Loans ''. As a holder of parent plus loan the repayment fall to us as parent instead of to our children who actually got the degree. Because I am not employed in XXXX field where my son 's degree in XXXX is employed neither he or I can apply for assistance in repayment or forgiveness from employer or income based repayment on his income as the new college graduate. I also can not take advantage of IBR because both my husband and my income are combined to determine repayment amount and our son is no longer in the house which makes our household smaller. As parents we wanted to help our children access a good education and support his drive to get an education but instead our retirement planning and finances will be impacted for 20-25 years to come repaying our sons debt. Parent Plus Loans should be able to release parent cosigners and allow graduates to take over repayment of loan and take advantage of IBR or other financing options.
In XXXX Freedom Mortgage sent me the annual escrow disclosure statement with wrong information and charges. On XXXX XXXX I sent them a request to try to fix the issue, I supported my request with XXXX XXXX of XXXX XXXX tax collector print out showing the correct amount due. On XXXX XXXX I received a letter from them indicating they received my written inquiry and that they will be reviewing the information and to give them 30 day to respond. On XXXX XXXX I received a letter from them indicating they are conducting further research and they need 15 more days where a written respond will be sent out by XXXX/XXXX/2016. ( It seems they failed to comply within the time frame they set ). 
On XXXX XXXX I did my regular monthly mortgage payment but I did n't include the unjustified new charges since it was under review since XXXXFreedom Mortgage refused to credit my account for this payment and they call me every day demanding the full amount they where requesting. I felt harassed, so I paid them the extra money they demanded and on XXXX/XXXX/2016 I sent them a request to cancel my escrow account since I have a conventional loan. On XXXX XXXX I received a letter from them indicating they received my request and they need 30 days to respond. During this process I was trying to get in touch with someone who can resolve this issue and kept receiving a promise that a manager will contact me, but never happen. 
Now XXXX payment is due and I do n't want to keep paying for someone 's mistake. As of now I want them to cancel the escrow account, I will be responsible for paying the tax and insurance on my account and refund me whatever they have in this escrow account. 
I really appreciate if you can help me resolve this issue with them. I could be reached at XXXX for any questions.
This is a complaint against SLS ( Specialized Loan Servicing ). 

I am refinancing a house in XXXX XXXX XXXX with my father. The mortgage is less than XXXX years old. Our current lender is Specialized Loan Servicing, otherwise known as SLS. We are refinancing using XXXX bank. 

The process began with XXXX bank at around XX/XX/XXXX. By XX/XX/XXXX, we had written a check to the law office representing SLS to kickoff the XXXX process. 

XXXX 's law office had estimated the process to take XXXX weeks. I check back with XXXX 's law office on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They informed me that they have been checking with SLS ( and their law office ) regularly and that the only information they have is that SLS is still working on getting the collateral documents. 

By XX/XX/XXXX I had already extended my rate lock-in with XXXX once. I directly call SLS at XXXX, but the customer service representative didn't have much information for me. They referred me to call XXXX Mortgage instead. XXXX  could only tell me that they have requested the files from their external custodian and there is no estimated time they can give me of when it will complete. 

On XX/XX/XXXX, XXXX 's law office CCs me on their email exchange with the law office representing SLS. I can see XXXX 's law office had been frequently requesting updates from them. From that day til now, XX/XX/XXXX, the only thing they have told us is that they are still working on the files and we will get it when it's ready. There were zero estimations, and zero status updates on their progress. 

With interest rates rising, I have to keep extending my rate lock-in with XXXX. This is costly. The lack of transparency and slow pace from SLS in the last 3 months, has cause me distress and increased risk in my refinance.
XXXX XXXX XXXX Amount : XXXX Creditor Type : Other Collection Agencies Last Updated : XX/XX/2016 Creditor Name : XXXX Address : XXXX, XXXX, MO, XXXX Phone Number : XXXX tacit vilotaed my consumer rights all i got was phone call saying my name call regarding documents will not call no documentation as per collection procedures nothing i filed bankruptcy in XX/XX/2016 wiped all payday loans loans they posted on my XXXX credit reports destroying my credit violating all collection procedures again i have no idea what this is and i will not contact them as they over XXXX complaints from BBB in XXXX Illinois and i want the things removed contacted credit bureaus next obtaining a lawyer
Harvard Collections Per IL DEPARTMENT OF HUMAN SERVICE is  attempting to collect {$3200.00} from an account open XX/XX/18 from fraudulent services used to collect XXXX XXXX in my name i was never contacted but them until now i report this and no one has responded
Ive been with citibank since XX/XX/XXXX and renew the account because citi was not able to fix my issue from XX/XX/XXXX to XX/XX/XXXX for the files of their server being corrupted. In XX/XX/XXXX i kept getting these checking fees {$30.00} and other random fees just to have standard checking account. I was qualify for the citigold. And they state i qoute {$50000.00} was the minimum requirement to keep this checking account free of charge in one year span. If the minimum has not met before the year to date, they will cancel the gold and put me back to priority stage. My experience in citi gold is that why would you change the minimum {$100000.00} with out consulting with me when they know i dont even make that amount in a yearly salary during applacation process. The minimum was changed during the middle of the program without notice. Thats not even in their contract mentioned that the minimum may vary or anything about changing the minimum without notice. I thinks thats unfair for people whos trying to save money and have life and family.
I have disputed an account showing on my credit report with Experian from XXXX XXXX XXXX XXXX in the amount of {$8100.00}. I have send XXXX XXXX XXXX letters requesting the contractual agreement with me and their company for that loan. XXXX on two occasion asked me to send them a copy of the credit report that is reporting this information. Each time I request the contract information they never able to send it. I then dispute this Item with Experian letting them know that I have no knowledge of this account with XXXX XXXX. Experian somehow able to verify that this account belongs to me. when I call Experian I was told that I have to provide proof that I try to reach out to XXXX XXXX asking for the contract and payment information or else I can not dispute this item again.I then send a copy of all the letters sent to XXXX XXXX XXXX XXXX along with the mail receipt showing that I did try to get them to respond to my request. All information that was send to Experian was via online Experian.com. Again Experian say that this account is verified by the creditor. Since neither Experian nor the creditor are unable to provide me with the information that I requested I need Experian to remove this item from my credit report. This account is showing that 150days late, collection and sold to another company. Please remove this account from my credit report.
My name is XXXX XXXX and I have a loan with Ocwen loan services. They have put me in a loan that is now illegal but at the time it was not, a negative amortization ARM loan. I have been making my payments diligently either by phone or by internet. Never once have I missed a payment in the last 24 months. However, Ocwen has reported me as being late multiple times throughout the past 24 months. I have tried to speak with them about removing the late payments, but they have refused to delete the late payments. I truly believe they are just trying to hold down my credit so I can not refinance my mortgage loan. They are telling me it is due to increased fees and different payment amounts. What I don't understand, is that I always call in or pay online the payment that they say is owed. I don't just send in the same payment every month by check, I always pay what they say is owed. I have attached a bunch of documents clearing this up and will work on getting bank statements to show all payments have been made. Ocwen has already been sued for deceptive mortgage practices, which I have attached the documentation. Every time I try to call over to them, they have their call centers in XXXX and XXXX and there is a language barrier as well. Because of this it is very hard to get anything resolved because it is hard to communicate.
I submitted a complaint about this bank reordering transactions to trigger multiple overdraft fees, that was resolved and less than a week later they've done it again. I have FIVE overdraft fees when only one is legitimate. I have screen shots of the original order. That's almost {$200.00} gone and I can't even afford to buy food now. This bank needs to be investigated! Every other financial institution who has been caught doing this was forced to stop but somehow they're still allowed to do it. How many people are losing hundreds of dollars thinking they have no recourse because BBVA 's customer service will NOT help you and they tell you there is no direct line to their corporate office. I'll be turning off my overdraft options until I find a new bank but they need to be stopped.