WillisBack/dataset-financial-user-claim huggingface dataset:
From XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX 1. The credit Bureau will not correct my address I have sent over 10 letters to have my address corrected and still it has not been done. All I GET IS VERIFIED AND THEY OPEN A FRAUD ALERT JUST TO CHANGE AN ADDRESS. THIS IS NOT THE PROCESS. 
2. I have sent over 10 letters to all the inquire COMPANIES on my credit report to have them REMOVED and get no reply from the creditors. All I get from the credit bureaus is VERIFIED AND THEY OPEN A FRAUAD ALERT. I have informed the credit bureaus.. I get no reply and they ignore me and open a fraud alert. 
3. By court order the bankruptcy and all accounts in the bankruptcy are to be removed from my report IN the state of VA because the credit companies did not do a good job at investigating the inaccurate info on the bankruptcy and READ them. They opened a fraud alert. 
4. The answers for anything is open a fraud alert not do the work of removing inaccurate info. 
5. This is what needs to be done 6. a. remove all fraud alters 7. b. remove ALL inquires I have not applied for credit DO N'T SAY VERIFIED!!!!!! 
8. c. remove bankruptcy per the order and all accounts in bankruptcy from my credit report 9. Change my address!!!!!! 

I need this call escalated to a higher level i need a fix to my problems i need a supervisor to address this issues
XXXX : Wells Fargo Mortgage Loan # XXXX - Client : XXXX Property Address : XXXX XXXX XXXX, XXXX, CA XXXX Loan Closing Date : XX/XX/2018 ; Loan Disbursement Date : XX/XX/18 Escrow # XXXX XXXX XXXX XXXX The purpose of this email is to request a refund of any and all fees, including interest, that we paid in connection with a mortgage loan that we found ourselves with that we did not want or ask for. 

We met with XXXX XXXX, XXXX # XXXX ( XXXX ) at Wells Fargo Bank to request a line of credit to cover landscaping and other miscellaneous charges for our newly purchased home, for which we had paid cash. XXXX XXXX kept talking about a mortgage loan and we kept insisting we only wanted a line of credit ; that we did not need the money and did not want a mortgage loan. We had recently paid cash for our new home. Somehow, we ended up signing documents for a mortgage loan in the amount of {$170000.00} and a home equity line of credit. 

We are not happy to admit that we did not fully understand these transactions until we started receiving bills for a mortgage payment. Not understanding why we were being billed, we had a neighbor look at our paperwork and she was able to review and explain the paperwork and discover that the money for the mortgage loan had been deposited to our savings account. Until that time, we did not aware that the {$170000.00} ( after fees ) had been put into our savings account. 

Upon learning we had a mortgage loan, we went into Wells Fargo and had a chance to speak to a XXXX XXXX and asked why they would have given us a mortgage loan and she agreed it didnt make sense to borrow money to put into a savings account. Why would we pay 4.5 % interest on a loan to deposit the funds into a savings account earning .06 %? At that time, our only option to get out of this mess was to pay the loan off. 

On XX/XX/2018, we went into a Wells Fargo branch and paid the loan off. At this point we still have the Home Equity Line of Credit and thats fine with us, as thats all we ever wanted to begin with. 

We feel like we were taken advantage of and sold a product that we clearly did not want, did not understand and that made no sense for us to have. Clearly, the loan XXXX who made both of these loans to us was not acting in our best interests. 

Sincerely, XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX Complaint submitted to CFPB on someone elses computer. Please reply to the email address of XXXX when responding.
On XX/XX/2018, Frontline Asset Strategies called my father at his work and told him that they were a collection agency attempting to get a hold of me. My father is not on the loan, and they knowingly called a 3rd party at their place of business.
almost all of these inquiries are unauthorized. some are duplicates, some have been ran at random. dating all the way back from XX/XX/XXXX-XX/XX/XXXX i have attempted to send letters to the companies as well as call the different credit agencies ; XXXX, XXXX, and Transunion. I haven't gotten any results from either agency. these companies took me for granted and ran my social thru multiple banks. this has truly damaged my credit and it's not fair, because i have worked very hard to get my credit score at an exceptional level only to have it damaged. my attachments show all the dates and companies, along with the reporting agency.
Ocwen has reported my mortgage two months behind to XXXX or more of the credit bureaus. The result, is I was denied the opportunity to open up a credit card account with XXXX more companies. 

My mortgage was recently modified, and I made all of the payments required. Ocwen repeatedly violates the Fair Reporting Act by erroneously reporting late payments when in fact during the process of a modification payments are placed on hold. These continuous violations create a financial hardship on me and I need them to be corrected immediately to avoid any further harm.
I was away on duty and my account was on hold and XXXX still put it late after my mortgage was being paid on time. I could n't contact them until I got back. Since then I lost my military priveledges because of my credit and not paying bills. The credit bureau have wrongfully reported me late.
Starting on XX/XX/2018 until XX/XX/2018 I have sent three letters to XXXX, Equifax and XXXX and ALL three have yet to provide me the information as requested. Here is a simplified sample letter in regards to my request. 

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > Not Proven Compliant Account -- >
Equifax lowered my credit score by XXXX points in seven days. I tried to contact Equifax but was sent on a wild goose XXXX for over an hour, with no answers. 
No apparent change to my report. Other reporting agencies did not lower my score. 
I have been working to raise my score for a mortgage and do not need their crazy reporting PLease help
I purchased my home in XXXX XXXX and took advantage of a 6-month interest free financing promotion offered through the Home Depot Consumer Card. I made regular on-time payments to the account and decided to pay off the entire amount before the promotion period ended on XXXX XXXX, XXXX. I inquired whether the promotion period could be extended for a short time and was granted a 20 day grace period, i.e., until XXXX XXXX, XXXX, to pay off the balance. To ensure I paid the full balance and to avoid any possible confusion, I requested that a Citi Financial representative provide a final pay off amount. The representative provided to me the exact balance of {$4500.00}. I also asked that she make note of the quoted pay off amount to prevent the very situation I am currently facing. On XXXX XXXX, XXXX, I paid the entire {$4500.00}. Notwithstanding this payment, on XXXX XXXX, XXXX, another Citi Financial representative informed me that there was an additional {$530.00} that remained on my account. When explaining the error, she suggested that although each of my purchases met the 6-month interest free promotional threshold, Home Depot/Citi Financial charged my account separately for an online purchase where all items were ordered and purchased at the same time but shipped separately. The total online purchase met the {$290.00} promotional threshold. She further noted that Home Depot/Citi Financial would have corrected the accounting error if I had informed them of the error within the promotional period ; but by her calculations it was " too late. '' The promotion period was extended until XXXX XXXX, XXXX. Thus, by the representative 's statement, Home Depot/Citi Financial could have corrected the accounting error since my inquiry was made during the promotion period. The heart of my complaint, however, pertains to the the false representations made to me by Citi Financial regarding the final payoff amount. Citi Financial misrepresented the amount and character of the debt owned. I recently filed a complaint in this matter with the XXXX but Citi Financial refused to correct its error and the complaint was closed without further investigation. Citi Financial admittedly quoted me a final payoff amount of {$4500.00} but suggests that this was only the principal balance. This too is a false representation. The final interest free promotion was not included on any of my billing statements. For that reason, I expressly requested a FINAL pay off amount from Citi Financial and was quoted the {$4500.00} figure. I have paid this amount in full and am now being asked to silently accept the financial penalties borne from Citi Financial 's error.
BROWARD ADJUSTMENT SERVICEXXXX XXXX XXXX XXXX FLXXXX ( XXXX ) XXXX found out about this collection by checking my credit report on XXXX XXXX, 2015. 
This company never communicated with me by mail or a phone call. 
I have asked 2 times over the phone. First on XXXX XXXX, 2015 and then on XXXX XXXX, 2015 to send me their information and the information of the company that they are collecting for and they keeping playing with me and telling me : " Yes we are going to send you the information '', but today XXXX XXXX, 2015, I have not received the information and they have my correct address and phone number. 
Because of this, Broward Adjustment Service is " refusing '' send me their information. 
They claimed that they have been trying to collect this account since XXXX 2015 when I have never been contacted by this collection agency ( all of my phone bills are available upon request ). 
They never gave me the chance to pay this collection before it was reported to the credit bureau agencies. 
They claim that I have made a {$30.00} payment to them when I never have done this.
I have been in the middle of loss mitigation with  Bank of America but  they have filed a foreclosure lawsuit on me on   XXXX   XXXX   XXXX    . Please find the attachment with my complaint and supporting documents.
On XXXX XXXX 2017 I sent written request to XXXX, XXXX, Experian requesting physical verification of the original signed consumer contract accounts posted on my credit report. I requested that validated these for debts that were being reported. I have never received any physical copies.In the results of the first investigation they stated in writing that you verified that these items are being reported correctly with out any proof. I then sent a letter asking who verified these accounts. Which they were not able to provide any proof. On XXXX XXXX 2017 repeated the same process. I still have no physical verification.
I've telephoned all 3 credit bureaus regarding hard inquiries that are placed on my credit files. I informed the credit reporting agencies that I did not apply for credit with these institutions requesting my credit profile. Per the credit bureaus instructions, I telephoned all companies listed on my report and informed the of the matter. However, I was eventually referred me back to the credit bureaus. Now I am stuck with these inquiries on my credit report and its effecting my well being because nobody seems to care to help. My job maybe at risk because I am required to maintain a certain credit profile background. The following are not my inquiries : Experian : XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXy XX/XX/XXXX and XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX : XXXX XXXX, XXXX XX/XX/XXXX Please help me resolve this matter promptly.
Wells Fargo Bank Account Fraud. Each month Wells Fargo took funds from my CHECKING ACCOUNT, until it was no funds. When I notice, I stop making deposits to my account. Each month Wells Fargo remove funds from my account, large amounts. I 'm not sure if that account still their.
In reviewing my credit report in XX/XX/XXXX, I learned a company, Genesis Credit Management, had reported a debt in XX/XX/XXXX and never contacted me. To this date, I have received nothing. I attempted to contact them as soon as I discovered the item on my credit report. I wrote to the address on the credit report and XXXX returned the mail undeliverable. I submitted online disputes with XXXX and XXXX. No investigation responses were received from them either. I wrote to other addresses I found for Genesis CM and have never received any response. I sent letters XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX to Genesis. The online disputes were submitted to the credit report agencies during that time and again recently. XXXX has finally corrected the error and removed from their reporting. I have filed a dispute with XXXX as well. I have spoken with an attorney who states they are in violation of FCRA and FDCPA as this effects my ability to move to suitable housing and they did not respond within 45 days with verification of this alleged debt. My right to dispute this debt has been violated. I am being denied housing now in addition to the violation of my rights. To this date, no contact has been made by Genesis to contact me.
My complaint surrounds the illegal execution of a foreclosure sale completed on XXXX XXXX, XXXX.I have requested on multiple occasions for Buckley Madole , P.C. ( BMP ) located at:XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX, to provide me with proof of service, as well as all copies and documented effects relating notice of foreclosure pending for XXXX XXXX, 2015. It is a fact, that I did not receive notice from BMP, nor XXXX ( XXXX ) my lender. At no point was information or dialogue ever reciprocated to me that that there was a pending foreclosure action scheduled for my property. 
New Jersey foreclosures are administered through the court system. RULE XXXX. Foreclosure of Mortgages, Condominium Association Liens and Tax Sale Certificates. We received no copies nor summons of the original foreclosure complaint action filed within XXXX XXXX XXXX XXXX. Therefore rendering our right to due process in effective in regards to unbeknownst Docket NO. XXXX civil action. BMP, has failed to provide the following documents required to be filed prior to conducting foreclosure and have violated fair foreclosure act n.j.s.a. XXXX XXXX : I have requested case numbers pertaining to these foreclosure filings and BFW has refused my requests in their entirety and my following requests are still being ignored : - Notice of Election and Demand. 
- Original Evidence of Debt, or a copy of the Note and Certificate of the Owner and Holder of the Evidence of Debt, or a Corporate Surety Bond in the amount of one and one-half times the face amount of the original Evidence of Debt. 
- Original Deed of Trust or certified copy, or copy with certification letter - List of names and addresses of parties to receive notice. 

We implore your office to investigate this matter immediately, as BMP which is considered a foreclosure mill purchased in addition to failed to, provide Notice of sale must be mailed to homeowner ( and all parties who appeared in the action ) at least ten days before sale, as well as posted on the property and in the sheriff 's office, and published in XXXX newspapers for four weeks. We are forwarding to additional bank regulatory agencies.
I used to have an account with XXXX Internet service in XX/XX/XXXX. Today, I was advised from a collection agency called Debt Recovery Solutions , LLC that I owe XXXX. I know I do not owe this amount, so I called XXXX directly on XX/XX/XXXX at XXXX XXXX EST, and spoke with a XXXX representative from XXXX ( after being transferred a few times ) who located my account by address, and he told me that I do not owe any amount. He said when the account was active, the account was always paid in full every month. I asked him, " what should I tell the collection agency? ", and he said that I should give them my account number and they should be able to see that I do n't owe any balance. Unfortunately, I did not get the XXXX rep 's name, thinking the account number would be sufficient but if their calls are recorded, then they should be able to locate that call to verify. 

So I then called Debt Recovery Solutions, and spoke with a XXXX, and explained to him that this is not a valid debt because XXXX had just reviewed my account information and told me that I do n't owe anything. XXXX said he would remove the collection from my report, if I got a confirmation number from XXXX. 

So then I called XXXX immediately after my call with XXXX from Debt Recovery Solutions. I spoke with XXXX from XXXX XXXX XXXX, who took a very long time trying to locate record of which I owe any amount. She did not find any amount that I owe to XXXX, she does not show that I owe anything, however she could not confirm or deny that I owe {$160.00}, and referred me to Debt Recovery Solutions to verify if the debt is true, but when calling Debt Recovery Solutions, they are aggressively attempting to collect this amount regardless if this amount is true or not. If XXXX saw that I do not owe anything, then why would she refer me to the collection agency to pay something that I do not owe?
The said company has sent a " signature '' apparently of myself with a orthodontists office which is in question. 

The complaint is that I owe NO money to RRS. I am asking for proof that we have a signed contract together and that I owe them money. 

To date, they have not shown me such document ( s ).
I found out today on XXXX XXXX, 2017 via the Equifax website that my information such as my SSN, my address, my D.O.B., Etc was stolen by hackers.
I can not open up a checking account with any bank do to fraudulent in my past accounts people stealing my debit card
My debit card was used by someone else online and my bank had to close it and issue another one. Equifax put that on their report as an alert and lowered my score dramatically as I did something wrong. That needs to be corrected. That agency constantly sends letters for more information when I try to correct wrong data but never does anything positive ( I sent them all info they requested three times already via post office and online ). Their credit score is lower than others by almost XXXX points. They also report accounts that were deleted and do not appear on any other credit reports.
I applied for a pnc credit online and was approved with a credit limit of {$1000.00} and cash advance limit if {$100.00}. One of the selling points that made me apply for the card is that it provided overdraft protection to my existing pnc personal accounts. A few days later I used PNCs VirtualWallet ( online/mobile banking ) to transfer {$3000.00} from my personal checking to my personal savings so I thought. What I actually did was transfer the funds from my savings into my credit card that I was just approved for but had yet to receive in the mail therefore the card was not activated. The {$3000.00} transfer was processed as a credit card over payment- when I never activated the card. I noticed the mistake and contacted PNC the next day to have it corrected. I was told that it takes up to 10 days to refund me my " over payment '' from an account I never activated so it should never t have even accepted the payment. This is now day 5 and I 've been assessed XXXX {$36.00} NSF FEES to date because all of my liquid funds were put onto the credit card account that was n't even activated. Again, this credit card was supposed to protect my personal accounts from overdraft but is not because it 's not activated. At this point I do n't even want the card or to continue banking with PNC but in order for me not to receive these fees that they should not be assessing me because the credit card should not have accepted the accidental over payment they are going to force me to activate the credit card that is the cause. This is preditory. Even if I were to activate this card it will only allow me a {$100.00} cash advance which does n't even cover the fees. Mean while there 's {$3000.00} of my money on this card as a over payment that I can not access. It took 3 seconds for Pnc to allow a payment ( that technically should not be allowed on a account that 's not activated ) and 10 days to return it?. My bills are not being paid including and I am in a state of crises because all of my accounts are overdrawn but PNC HAS {$3000.00} of my money and wo n't even utilize the overdraft protection that I signed up for when I applied for the credit card.
Paid in Full Collection with XXXX XXXX XXXX ( XXXX ) in XXXX XXXX. This account has been disputed for incorrect reporting with XXXX to Experian and XXXX. It has been verified as correct. This account, XXXX, had a filed complaint with CFPB, it has been verified as correct. XXXX states that their information is correct and any errors are with the Credit Reporting Agencies, Experian and XXXX. 

XXXX is listed as a Factorying Company. It is listed as Terms : 1 Month. 
Per this case law, XXXX v. XXXX XXXX XXXX, Dist. Court, XXXX Arizona XX/XX/XXXX : [ XXXX ] XXXX argues that XXXX ' debt was not " in default '' at the time XXXX acquired it, and therefore XXXX is not a debt collector and not subject to liability under the FDCPA. 
[ XXXX ] This exemption places the factoring of accounts receivable outside the scope of the FDCPA, thereby leaving a factor in the same position as the original creditor, had the creditor not sold his accounts receivable to the factor. By excusing factors from compliance with these regulations, the FDCPA respects a common method of business financing. 
The FDCPA defines " debt collector '' as " any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. '' 15 U.S.C. 1692a ( 6 ). Exempted from this definition, however, is " any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity... ( iii ) concerns a debt which was not in default at the time it was obtained by such person. '' Id. 1692a ( 6 ) ( F ) ( iii ). 

According to the CDIA, they have the option of reporting an Account Type of XXXX-Collection Agency/Attorney or XXXX-Debt Buyer ( which undoubtedly shows as Factoring Company in consumer reports ) XXXX incorrectly choose to report as type XXXX instead of XXXX based on the information in the reporting guidelines. If reporting as a type XXXX changes the value in a credit score more so than reporting a XXXX, that would be an incentive for them to mark it that way because that could significantly cause poisoning of reports.