WillisBack/dataset-financial-user-claim huggingface dataset:
In the first quarter of XX/XX/XXXX We were delinquent on the mortgage payments with Wells Fargo. We received the attorney demand letter dated XX/XX/XXXX for the balance due in the amount of {$17000.00} ( copy included in the attachments ) We requested a reinstatement amount to bring the account current. We were advised it would take 10 days to produce. Wells Fargo provided a letter dated XX/XX/XXXX. The account was reinstated on XX/XX/XXXX with the amount  requested. THEREAFTER an additional {$1000.00} was assessed to the account as an " unpaid advance balance ''. When I initially inquired about the fees I was informed verbally that they will eventually fall off the statement when the funds get posted to the account. I was never disclosed what these fees were for. I was never asked to pay these fees via my monthly statements. On XX/XX/XXXX I received a demand letter for reinstatement that did include the {$1000.00} PLUS the late fee. However, in their letter dated XX/XX/XXXX they state they do not include late fees on reinstatement quotes. ( which is a contradiction ) In XX/XX/XXXX when I initiated the request for full payoff I noticed these a were still  attached to the account and included in the payoff figure. When I inquired as to the exact break down and purpose of the fees I was informed {$560.00} Attorney fees, and {$460.00} in filing costs. I 've gone through an extensive process to dispute the fees and request a detailed explanation of the fees and PROOF via a copy of a paid invoice for services rendered. I do not believe these charges are true and correct. The attorney fee was quoted in writing and paid {$840.00} ( why would they neglect to include the additional {$560.00} of their entire fee in the reinstatement figure ) and the filing costs are being quoted as {$460.00} - filing what? There certainly is n't more than {$6.00} in filing fees reflected in the public records to record the cancelation of the XXXX XXXX. I have requested several times DOCUMENTATION of the paid fees - NOT JUST A WRITTEN EXPLATION FOR IT. This dispute prevented me from paying my balance in full for over two month causing additional interest to accrue. On XX/XX/XXXX I paid my account in full vowing to resolve this situation by any means possible.
I requested the removal of a bankruptcy that is being inacurately reported on my credit report. It shows the Federal Bankruptcy Court as the resporting party and they advised they do not report to the credit bureaus. XXXX reported they used a 3rd party to verify the information which is XXXX XXXX. I have a security freeze on my account so they could not have " verified '' this information, and it shows the Federal Court as the Reporter of the account. This is a violation of the FCRA because they are reporting INACCURATE information on my report.
I am getting XXXX calls per day from " Credit Collections '' for my ex. I have informed them via their online form he has not been at my home number since 2010 but they continue to call, disrupting my business ( I XXXX ) and waking me early in the morning on weekends. They are calling from XXXX to my home number have at least one time left a voicemail asking if the person answering is the ex who moved out almost six years ago. I have no legal responsibility for his debt, regardless of what it is but ca n't get these people to stop calling my house. They have called XXXX times that I know of.
I have contacted Equifax numerous times and the final time was X/XX/2017, about not being able to access my credit file. I was told that information was incorrect in my file and that i would need to send a copy of my Social Security card and Drivers licence. I have complained and called many times regarding not being able to access my information. The Customer service agent began to read out information that was totally incorrect in my file. I believe that the information contained in my credit profile is wrong and unauthorized. I asked to have unauthorized inquires and unknown addresses removed in a letter that was previously sent to Equifax. I never received a response regarding that letter.
This poor handling of my personal information has made it very hard for me to obtain credit and move forward with a positive quality of life.
I attempted to have XXXX as a internet provider. They tried several times to provide me with the service but could n't and had to remove the equipment from my home. They agreed there would be no charge but then I received a bill. I contacted them numerous times and they assured me I owed nothing and that they would take care of removing the charge. Now they have reported it as unpaid.
Dear, CFPB I have a pending foreclosure issue. After dealing with numerous hardships with regards to the residence, I have been trying to rectify the default issue with XXXX XXXX XXXX to no avail. Bank-servicers have been changed a couple of times and I feel its a ruse not to assist me, instead foreclose ; against the DODD FRANK GUIDELINES. l started working with XXXX XXXX XXXX XXXX, Manager XXXX XXXX, to rectify the default, after numerous conversations back and forth, XXXX XXXX agreed, stated, " I have direct contact with loan investors '' attempt to lower the ( reinstatement-amount ) to a workable figure so l could retain my home and stop the foreclosure procedures. Unscrupulously lending practices, l was suddenly switched to another loan servicer, SELECT PORTFOLIO SERVICING, inc. and instructed to deal with Manager, XXXX XXXX. After numerous telephone calls to SPS, l finally reached Ms. XXXX due to the fact, she has no answering inbox service which is unprofessional and a time of the essence issue. Ms.XXXX, in sum in substance, stated she isn't aware of any agreement, l previously made and it is not documented in file anywhere, she isn't honoring any agreement, nor does she have direct contact with home investor! submit my paperwork for modification if l wanted to, because there isn't a court date yet! l then asked to speak with a person of authority, her Manager, she stated that I could not and hang-up! XX/XX/2018, XXXX, I received a telephone call without a message an ( hang-up ) XXXX ( XXXX ) XXXX ( UNPROFESSIONAL ) I also submitted a Debt Validation letter requiring them to furnish a break-down of list of fees charged and listed and l never received it, XXXX XXXX XXXX, had errors regarding fees they where listing in their documents, l feel this is why they negotiated with me to restate the mortgage to a normal workable amount, little did l know what was planned to transfer to another servicer ; at the ninth hour.
As mentioned to Capital One, I did not open an account with this company. It may have been a result of someone using my personal information. Capital One has not produced any physical documentation after various requests. They do not have a copy of any contract that I, myself, have signed or even have a copy of the ID used to open the account. Anyone who may have had access to my personal information may have opened this account. My request for a reasonable investigation has yielded nothing more than the " XXXX '' " verification method, which has done nothing but match information already recorded. Capital One HAS NOT investigated who may have actually opened this account, by sending me a copy of the contract and/or ID used to open it.
I was checking my credit report and I noticed a new collection was added to my report without my knowledge. The collection agency still has not notified me of this debt and according to them it has been in my report since XX/XX/2018 without me knowing or any notifications. This practice violates my FCRA rights and FDCRA
Equifax had a data leak where they did not notify the affected consumers -- even now the consumer has to be proactive.
My mortgage lender, Citizens One, erroneously paid the taxes for a home I do not own out of my escrow account with them. This is causing my estimated payment for the following year ( 2018 ) to be falsely inflated. I sent a payment to Citizens One that matched my prior payment and they sent it back to me. I contacted the XXXX County Tax Department and they verified that the taxes were paid by me. I first notified Citizens One of this in mid-XX/XX/XXXX, when I received my annual escrow account review. Their initial estimate had my mortgage payment potentially increasing by {$2800.00}. It has been 2 months now that the tax department at Citizens One has had ownership of this issue and they have still not resolved this. I have attached a copy of the 2 escrow statements that I received from Citizens One ( both incorrect ), and the letter they sent me when my payment was rejected.
I have tried to reach out to them and talk about what they are sending to the companies that have put my accounts to collection that wasn't my purchases. And Credit repair is sending the wrong information to these companies and is taking {$100.00} a month from me for almost a year and nothing has been done. They sent a letter to me instead of the companies, and it said sorry for my late payments, im trying to get a loan. And that is not what the issue is at all. Please help me
Alco Collections, is out of business according to the original deptor.. I have paid the original deptor.. The Alco collections refuses to release my balance from the collection agency.. They never answer the phone and are no longer in business.. They are only keep saying i owe the dept, to the collection agency
I wrote to Equifax in XX/XX/XXXX indicating that there was an entry I noticed on my credit report that I needed to dispute. I told them that I attempted to do this using the company 's address listed in their credit report but that the letter came back undeliverable. I told them that in light of this erroneous information to please delete this entry from my report. My Equifax credit report dated XX/XX/XXXX shows the entry was deleted based on my letter. On XX/XX/XXXX I wrote Equifax again stating that I noticed the entry for  Portfolio Recovery was re-inserted onto my credit report but that I had not received written notification as per FCRA 611 that this information was going back onto my report. I received a response from Equifax ( case XXXX ) that they verified that the item in question belongs to me. My dispute that they should have addressed sent on XX/XX/XXXX was that Equifax re-inserted the XXXX XXXX account WITHOUT NOTIFYING ME and as a result they are required to delete the entryas they violated FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ].
I cant qualify for a mortgage because Child Support Enforcement refuses to delete inaccurate child support information from my XXXX credit report. My credit report shows that my account has been late and/or collections 9 times ( 9 months ). I have faxed in requests for them to correct their incorrect reporting. I personally went into a local office and was given a payment history, to show that the payments had been received by Child Support Enforcement and that they never were late. I was also given an official letter from the Child Support Enforcement Department, stating that they had reported the account erroneously and that this account has never been past due and was never in collections. The letter states that, all 9 months ( the months are individually listed on letter ) were reported erroneously as being late and/or in collections. Even though they gave me the letter and the payment history report to show everything is current and has never been late, they are continuing to report the erroneous/negative/delinquent information. I have been trying for months to get Child Support Enforcement to correct ( delete this account ) my report and they are now refusing to do it. I have tried numerous times to resolve this matter with XXXX and Child Support Enforcement, to no avail. Dates Complained : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX {$450.00} XX/XX/2016
On or around XX/XX/XXXX I learned that a bank account was opened at XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX ) using my personal information. I did not authorize this account to be opened and came to learn ofsame after being denied a savings account. Upon receipt of myChexsystems report in XX/XX/XXXX, I immediately disputed same on the basis of fraudulent and requested the negative reporting information be removed from Chexsystems. I continued to make attempts to contact the XXXX XXXX XXXX in an effort to have the information removed but was unsuccessful. I continued to advise the bank that i did not open this account.After filing a fraud identity report with the FTC, I forwarded acopy of same to the bank evidencing fraudulent activity, again requesting the false information be removed. I have had toplace security freezes and fraud alerts on my credit report. In the alternative, I also requested, should the bank maintain thatthis account was valid, albeit false, that they provide theappropriate documents to verify this. To date, I still have notreceived any information from the bank verifying the accuracy of this account and I continue to maintain that this was a fraudulently acquired account opened by someone who usedmy personal information without my consent. On XX/XX/XXXX, after being denied for another bank account, I received aChexSystems report indicating that this institution continuedto report negative information. I again disputed the informationon the basis of fraud I requested any documentation that the bank believed would verify the accuracy of the of the account.As of this date I have not received one document. On XX/XX/XXXX I received a third Chexsystems report after continuing tobe denied for a bank account, except this time denied at a local credit union. This institution continues to report account abuse despite the fact that it is false and is a clear violation ofthe FRCA which requires them to accurately reportinformation, and correct and remove any inaccurate information. The FRCA also requires this institution to verify, with proper documentation, within 30 days. Thereafter should this institution be fail to do same, the inaccurate and negative information must be removed. It is now almost 2 years sincethe date that this was first reported and this institution has notprovided one single document to prove or verify the accuracy of this account. The negative reporting information hasinhibited me from getting a bank account and I am facingsevere financial hardship that is affecting my ability to afford my rent. I did not perform any fraudulent activityrather this institution allowed another individual to open an account withmy information and now is holding me accountable for others wrongdoing. I dont know what else to do to get this false and inaccurate information removed from my report. I have beendisputing this for almost two years. I am desperately seekingyour help as I have exhausted all of my options.
I have twice requested my account be closed, once through secure bank message, the other via signed letter sent regular mail and my account has still not been closed. In fact, today ( XX/XX/2018 ), I received a bank statement for my account which I have twice requested be closed.
All of them best describe this company. Unified Global Group XXXX XXXX. XXXX woman by the name of XXXX and XXXX use threats and insults instead of verifying they are representing a legitimate business. I asked for things in writing they said '' pay your bills. You know what this is. " They never correctly could identify the original creditor. States I owed XXXX XXXX. and thats all the information they could give me. I never opened a credit card with this company and tried to contact this company to find out they bellied up due to fraud and lawsuits. I asked on first call from them to send something in writing and who and where they were calling from. They would not reveal any information on anything but contentiously say I need to pay my bills. When i ask for specific information on them they repeatedly hang up in my face. Minutes later an automated call back to my phone. I asked them to stop calling its harassment and they say we will keep calling you till you pay your bills. I own a business and one of the woman ( XXXX ) stated " do n't you own a business you cant pay your bills '' as if she looked me up.Calling my sister threatening that if they do n't get in touch with me they will continue to call her. Making statement about legal documents over the phone. Asking for personal information but not revealing the city and state they are calling from. calling from a local number which leads to an XXXX number. Throwiing slander " are u calling off your obama phone '' you cant pay our bills. we can talk when you will pay this bill '' Automated phone calls back to back at my employment and cell phone.
XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX According to the Texas Secretary of State Debt Collector Search site, this company has no active bonding company.
Some thieves stole the identity of a friend to disguise himself via my friend 's cell # and text. Because I trusted my " friend '' I wired {$1000.00} from a XXXX to another XXXX located in XXXX XXXX, Texas. Fictious names and addresses were used. The money was picked up 10 minutes after I wired it and I am sure XXXX has video of the person picking it up. These theives are still contacting me wanting more.They took the last of my savings. I don't understand why the local police in XXXX XXXX can not be at the XXXX when she picks it up. The theives are working out of XXXX.They are stealing from a scam called " XXXX XXXX ''. They have tried before through social media and I knew that was a scam. But since my friend texted me, I trusted him, he's an attorney.
Chase " XXXX '' business credit card claims a 30 day billing period but it is only 15 days.
Mercedes Benz sold me a vehicle XXXX. The car did not last according to the contract. Mercedes did everything in its power for me not to own the car outright. I paid or financed XXXX for the car, I was down to XXXX owed for the car, before it was repossessed. XXXX tried to collect XXXX for the car after repossession ; in which, I do not have and filed on my credit report. I paid Mercedes cash. MercedeXXXX failed to ensure motor vehicle safety and provide passenger motor vehicle information from all information systems, including about prior owners and incidents.
On Monday, XXXX XXXX, 2016, my son deposited {$500.00} CASH into a XXXX ATM which was to be deposited into my Citizens bank account. Thinking that because it was cash, it would be available for use the next day or, 2 days at the most. Two days passed and the funds were still not available. I called my bank, Citizens and they told me that these funds were " on hold '' and would not be available until Monday, XXXX XXXX, 2016. Not only that, but Citizens could not give me an explanation as to why they would hold a cash deposit for this long period of time. This money was to be used for a bill that was due, but since I could n't have access to my funds, this bill was paid late. My complaint is, I think that it is very unreasonable for Citizens to place " on hold '' a cash deposit for this length of time and not give me an explanation as to why.
Chase advertises Zero Fraud Protection, this issue is not identity theft, it was merchant fraud by a merchant we did business with by retaining card number and running charges for general references to products or services, but nothing specific. Merchant admitted charges were run fraudulently with no product or service provided. Chase continues to report this on my credit hurt me financially in order to collect the fraud loss from me rather than the merchant which went out of business. They make things up such as their " research '' or " investigation '' found that no fraud occurred, but they have failed to say what their research found was purchased in order to represent fraud did not occur. Chase can not do this because it is not true, only fraud is true. I have provided sworn statements and proof of jail for the crime. Crime has paid for Chase so far whom as made over {$15000.00} in interest over the few years this has been going on. They lie in letters sent out as well. The CFPB is the government oversight for credit card companies now. You guys do n't do anything!!! You send a pocket email response that says you wo n't do anything, or wo n't say the credit card company is breaking the law. So they XXXX people over. This is n't preschool and we do n't say anything is wrong, and just sit in time out. This is real stuff, real criminal actions, real jail time, and real fraud, but it is put on me the consumer. I am getting XXXX, my business is getting XXXX, and I 've placed several complaints, and receive no material response. Do n't let the banks screw people, because they will XXXX more people over with larger fraud amounts like mine, and turn it into a legal litigious item to XXXX the consumer. This fraud started at over $ XXXX. Chase raided the business account until it went negative. They only recovered around $ XXXX of it and kept it, but then said later that it was valid purchases .... How XXXX can you just go take money out of bank accounts for valid purchases?? You ca n't, Chase knew it was fraud!!! But when it came time to taking over a $ XXXX fraud loss, then went to being crooks. If anyone actually reads this, please email me at XXXXXXXXXXXX, or call me at XXXX XXXX XXXX. I think this is a complete waste of tax payer money cause you are not even looking nor acknowledging complaints!! If your policy says to ignore me, be a real human being and act like you would not want this XXXX to happen to you either. Be the Government Please, for the people, not for some people and not others ... ... .. Will you publish this for others to read?? Call me and let me know, anyone.
Debt collector repeatedly called my employer after being verbally told not to because the number was never provided on the original credit application or form for services. The debt collector admitted to seeking out my employers number online then started contacting me at work without authorization. Secondly the original creditor is billing me for archives that were never rendered. This XXXX is for XXXX appointments that were canceled within the allotted time frame outlined by the medical practitioner.