WillisBack/dataset-financial-user-claim huggingface dataset:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX-30 DAYS LATE XX/XX/XXXX -30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Contacted Phoenix Financial via telephone stating that the account XXXX XXXX XXXX for the amount in {$1100.00} does not belong to me. It belongs to my mother in law who shares the same name. I have spoken to the original collector XXXX XXXX XXXX XXXX and they verified that the debt does not belong to me that the social does not match the account sent to Phoenix Financial. Phoenix Financial has been no help they simply told me to file a police report. Phoenix Financial is now claiming that they are the original collectors when they are not. This account is being report to the credit bureaus and is negatively affecting my credit.
American Express had a promotion where new American Express Platinum credit card members receive a XXXX point bonus upon making {$3000.00} of purchases on the credit card within three months. I fulfilled the requirements within their guidelines and received the points. The points have been mostly spent. However, the remaining points have been locked up in the American Express system since the end of XXXX, 2016, pending what American Express is calling an " account review. '' A supervisor named XXXX, badge number XXXX, told me that she contacted the identity verification department and was denied access to my points, having been told the department is conducting a review of the account for eligibility of purchases made toward the bonus. Given the bonus was issued by American Express for valid purchases, I do not understand why AMEX has now locked up the remainder of the points ( XXXX ), valued at approximately {$63.00} ( of the original {$1000.00} worth of points ). Other representatives have told me an account may be flagged for review for eligibility because of returns made on the credit card, of which my account has none. I have been reading online about this promotional period, and it appears AMEX is trying to reneg on a promotion they offered widely to the public by falsely scrutinizing XXXX of accounts. I request the CFPB investigate American Express for this behavior, especially when it is affecting paying customers like myself, who pay {$450.00} per year for this credit card product.
On XXXX XXXX, XXXX, I wrote to this company notifying them that their claim was disputed and in that same letter, I requested that this company validate the debt. 
I requested that it provide me with competent evidence that I have any legal obligation to pay them. I asked that they provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

Instead, the company sent me a letter dated XXXX XXXX, XXXX from a debt collection company. In that letter, the dollar amount of which they say I owed was changed. This company did not provide me with competent evidence that I have any legal obligation to pay them. It did not show how it calculated what they said I owe ; it did not provide me with any papers that show I agreed to pay what they say I owe ; it did not provide verification or copy of any judgment ; it did not identify the original creditor ; It did not prove the Statute of Limitations had not expired ; it did not show me that they are licensed to collect in my state ; and it did not provide me with its license numbers and registered agent. 

Rather, this company has to this day ; knowingly reported invalidated information to the three major Credit Bureau 's ( XXXX, XXXX and XXXX ).
On Saturday   XXXX   XXXX   XXXX   I looked at an updated credit report and notice for negative accounts were re-inserted into my credit report. These four accounts were previously deleted and blocked due to ID Fraud. Equifax is re-inserting accounts that were previously deleted by the creditor as fraud and I have attached my supporting documentation.   XXXX   XXXX   XXXX   XXXX   was deleted back in  XX/XX/XXXX  and deletion form from them is attached.    XXXX   XXXX   XXXX   and   XXXX   XXXX   ar e fraudulent account and they were removed in  XX/XX/XXXX  and the deletion report from Equifax is attached along with the FTC Affidavit. Instead of adding my positive accounts that they have removed they are re-inserting negative fraudulent accounts that has been previously removed. There is something seriously wrong here. There is something seriously wrong with Equifax and their reporting incorrect and correct information. As I have stated in previous complaints about Equifax they are single handedly ruining my credit. They have no clue at what they are doing. Remove the accounts now!! I am going to lose the home that I am trying to purchase because of their negligence
I called to make a payment on my card today, and was told it was {$120.00}. I spent an hour on the phone trying to get the woman to tell me why it was {$120.00} today. Finally a manager gets on the phone and tries to tell me that he listen to the last conversations I had but lied and said I knew that I owe the past due amount 's and that I was in collections which is false finally he said that I had no choice but to pay the minimum of {$75.00} that was due today I was a palled because the previous woman told me it was {$120.00} today neither one of them could come up with any excuse as to why I owe these amounts I made the payment so I would n't get any more late charges but this is a fraudulent scam these people just add on amounts neither one of them New my actual payment due was for today I have recorded the call and I 'd like to email that call to you. Finally every time I call I 'm told is different amount is due when I pay that amount the next month they tell me that was n't enough so now you owe extra and our fees this is a scam. Also I 've never received one statement in never received one statement in the mail. Please look into this and let me know where I can send the recording they trip all over themselves backtracking trying to come up with reasons why there 's fees what the fees are for and how much they are it takes her an hour to try to just tell me that. They put me on hold for long periods of time I was on the phone perhaps two hours it seems like. Unprofessional and seems to me like a scam or somebody scraping money off the top. Thank you
XXXX XXXX XXXX my home went to sheriff sale with Wells Fargo. We are being evisted. We can not get a place to live due to bad credit repoting by Wells Fargo. They are reporting my foreclosure with XXXX different account numbers, delinquencies, and 2 monthly payments requiredntotalling over {$4000.00}. Wells Fargo changed my acct number in XXXX. Now both are reported as owing XXXX different payments. The Wells Fargo mortgage was transferred to XXXX XXXX when sold at sherriff sale. XXXX XXXX XXXX a second loan is also reported as delinquent of which was settled in the foreclosure and sherriff sale. They have not reported this activity correctly please help. The foreclosure was illegal since XXXX they drag it out so that my statue of limitations expires so I can not take recourse. They chain of title is also incorrect how can they sell it to a new buyer.
This company, Select Portfolio Servicing , Inc ( SPS ) is a mortgage loan servicer. 
The company calls our phone number, a cell phone as early as XXXX in the morning repeatedly. We have asked them to stop XXXX times. We have been patenbtly clear they are calling early. 
They claim since the phone they 're calling has a XXXX area code ( time-zone difference ) they do not have to stop. Even though all our account information including the mortgage property address is in California and always has been. On occasion they apologize and say they 'll resolve the issue. They do not/have not resolved it. Occasionally SPS is combative and claim no responsibility to solve the problem. 
We need to communicate on that phone but not before XXXX.
These people have put a very old debt on my credit report that's twice the amount of what it was when it was charged off years and years ago. I am no longer responsible for the old debt at the original amount. They send me letters saying they will sue me, they call me and bother me, and they keep adding more interest to this " debt '' they think I owe. Right now it's at {$2400.00} and it keeps climbing. They are deliberately damaging my credit, which made it very hard for me to buy a car last month. I had gotten my score to the 700 's finally, and they brought me down to the 500 's with their despicable actions. I disputed this debt once, it was removed, and they added it back on and added more money to the balance. These people are crooks who damage your credit ; I read all about how they went after people in LA with fake medical bills and they have been sued many times by others. If they do not remove this debt on my credit reports ASAP, I will be hiring an attorney to sue them as well. XXXX my words, XXXX XXXX XXXX.
XXXX/ PANHANDLE PLAINS HAS REPORTED MY ACCOUNT TO XXXX LATE IN ERROR. THE REPORT SHOWS I WAS LATE XX/XX/XXXX AND XX/XX/2015 AND THIS INFO IS NOT CORRECT.
Midland Funding has XXXX judgements that are liens on my clients ' properties. I have short sale contracts for these properties. I need to clear these liens so I can close. However, Midland said that they can not release the liens because of a pending agreement with the CFPB. They refuse to discuss any type of negotiation regarding these liens. In fact, they refuse to discuss the liens at all because of the CFPB. I need help because I need to get these liens cleared so I can close on these transactions. Time is of the essence because the buyers want to close or they are going to back out of the sales. ( The communication problem is that Midland WILL NOT communicate. )
I had a car financed through Santander and the car was repoed in early XXXX. The account was sold to XXXX and I paid it off in XXXX ( settled for less than what was owed ) but they consider it paid in full. Both Santander and XXXX show it paid in full but thats they problem ... they both show it so it is a duplicate reporting of the same debt. Ive contacted them over and over but they and they refuse to remove one of them.
Have dealing with XXXX XXXX ( One mortgage solution ) to consolidated my account, provide 2 check XXXX usd and XXXX usd paid to his account XXXX XXXX, the credit was running on XX/XX/XXXX all account listed will be included for consolidation, but now on XX/XX/XXXX still open, Mr. XXXX refuse to provide details on settlement. I been contact him many times but no respond id cell is XXXX. 

I might not be smart to attach the checks and all comunication with Him, but i will upon request.
my father passed away, my husband passed away the my mother passed away. chasefinancial want me to pay for a home my mother stayed in for 2 years and continue to pay until her death. My mother lived in an undesirable area of XXXX NC. She wanted to move so we found her a condo. After about 2 years she could not live alone, so she lived with my husband and I. she continued to pay for her condo until she passed away XXXX XXXX, 2014. I send Chase the death certificates for both my mother and husband. and explained I would not be able to pay for the home, because, both responsible parties had now passed away. They send me a entire packet to apply for a loan to transfer the mortgage into my name. I call them and was informed they could not talk with because I was not a responsible party on this loan. I received letter ever week and I would call they would say the same thing .The letters all say the Estate of XXXX XXXX and the Estate of XXXX XXXX XXXX . Then all the calls started and I till the same thing on the phone. Then the letters started coming with owner XXXX XXXX @ XXXX XXXX XXXX, XXXX NC XXXX. When my Mother moved with her mailing changed mailing address to ours. The address for my Mother was XXXX XXXX XXXX, same city. I wrote XXXX letters to Chase, Talked to so many people, but the end result is the same I can not pay for a property that is not mine. After all this talking XXXX XXXX bank called and said I owe over XXXX dollars on the overage account of my Mother and me as a responsible party, after know she was dead the continued to take money out of the, because I was alive and no liability on Chase 's account but on the bank. I can not afford a lawyer I live on a small amount of money. Please help I know some about this is not right.
In accordance with the ( FCRA ) Fair Credit Act Section 609 ( a ) ( 1 ) ( A ). I 've formally requested PHH Mortgage to provide proof of the original consumer contract with my execution of signature on record for the following documents : Note, Deed of Trust and the loan application. They have not responded to my request. Failure to verify accounts in records in complance with FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promply removed. I formally demand the following accounts to be verified. 1. ) Mortgage Service Center account 2. ) Mortgage Service Center account.
This is about Huntington National Bank, I have had to file XXXX XXXX cases against them for what started out as fees that should n't have been charged on XXXX accounts. Then XXXX started taking out money and overdrafting the accounts, and a block was put on them so they could n't withdraw any money, they were taking direct debits that were n't authorized. Then I started to get harassed by customer service employees, they would no longer help me on the phone, and my contact person for the XXXX cases started harassing me. Once this started, the XXXX block was taken off of the accounts and many transactions that did n't even make sense and a lot of fees were going on, and were not being credited back, the XXXX was no longer able to get anywhere with the contact. He refused to issue anymore refunds to any of our accounts. It did n't matter that these were fraudulent charges, and unauthorized charges. I had opened XXXX accounts to just be XXXX accounts for my mom and myself, and charges like crazy and fees were going through those as well as the bill accounts. There were many times we were unable to pay our bill and ended up getting a month behind, because the bank would n't refund the fees, so that the bills could go through a second time. I opened another case last night because all XXXX accounts have been allowed to total over XXXX in fees and charges that were put through on already negative accounts. Mostly because of XXXX being allowed to take whatever they want. I opened a case with XXXX on Sunday that covers all of XXXX through today of the fraudulent charges being put through. I have repeated my case over and over, and I no longer get help this has me so upset and worried, we moved to a new bank, and I want these accounts to be at XXXX and closed that 's what I 'm asking for now, I do n't want this to be sent to collections for charges and fees that are n't our fault to hurt our credit. Please do n't back down from this company and see what they are doing with these accounts. the contact in question, tried to call me after the case was closed, he is the XXXX harassing me, he has been spoken to, and not supposed to contact me, I do not want harassment from him and the bank employees to continue, Please stop him as well. I 'm becoming afraid of what he is doing possible to the accounts because he has direct access to them, and what he may do to me in a harassment manner, he has my address, and my state is right next to his. I just want this all over with, and the accounts closed. This has been a horrible experience, the XXXX recommended that I contact you this time.
TD Bank Mortgage continues to refuses to send me a billing statement for each billing cycle. 

TD Bank Mortgage is not crediting my payment on the day they receive it, and is waiting up to a week after my check is cashed to credit my mortgage account. 

I would attach docs to demonstrate this, but TD Bank is already aware. Also, CFPB has made it clear that they do not follow-up on complaints that get a response from financial institutions and are disputed by the complainant. The CFPB works for your bank!!! The CFPB will accept any response by financial institution as fact. Look at the database and see how often the CFPB " chooses '' not to publish the financial institution 's response.
Name of Creditor : IQ DATA INTERNATIONAL IN Address : XXXX. zip : XXXX, WA XXXX Re : XXXX XXXX at XXXX Amount : {$460.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.
I applied for a home equity line of credit with a local bank. As part of the normal application process, the bank obtained my credit report. The next day I started being bombarded by phone calls and emails from other lenders, who already knew that I was attempting a mortgage transaction. One of them let slip that they got this information from Experian. Essentially, Experian sold not only my personal info, but specific details of my financial activity, in real time, to other lenders ( competitors, in fact, to the bank that paid Experian for my credit history ). This is not simply a " pre-approval opt-out '' issue, this is a violation of privacy.
Company received payment in amount of {$3000.00} from warranty cancellation. This was applied to payments. Loan was rolled to being due for XX/XX/2017. The payment was then reversed and applied to principal. When the payment was reversed, my loan was put into a delinquent status for 2 months. A customer service member told me as a courtesy to me, they would take 2 payments out of the {$3000.00} payment that was applied to principal to my loan to bring me current. They never did so. When I called back to speak to a manager, he informed me I was given wrong information, even though he admitted they told me that, and that there was nothing they could do. My loan is now 2 payments delinquent and they have been reporting not only negatively on my credit, but my co-borrower. This is very unfair lending and false promises with unrealistic expectations. They told me they were going to do something so they should honor their word. This is not harming the company at all as they still would be receiving the same amount of money in either situation. This situation is putting undue hardship on myself as well as causing long term impacts to my credit and my co-borrowers credit for something we did not cause.
I am respectfully requesting your assistance with my bank, Citibank as my requests for assistance are being ignored. XXXX opened this account originally i used to have my cancelled checks returned to me, which all of a sudden stopped. I then requested and received copies of cancelled checks which also stopped without any explanation or reasoning. I disputed and protested this stoppage but nothing came of it. I have since requested copies of cancelled checks and have been told that they can be retrieved online, however because Citibank blocked our access to our account before retrirving these checks i once agsin requested copies and have yet to receive anything from Citibank. I can not begin to tell you how extremely frustrating and aggravating this ordeal has been because i need copies of my checks and payments.
There was a collection for XXXX on my credit file that I have been fighting for some time. It is over 7 years old but kept going from collection company to collection company and always being re-aged as to when the companies picked up the account. The company that they are reporting now is, XXXX XXXX. Equifax and XXXX report it one month then not the next. This thing is over 7 years old and no money is owed. I just received noticed from my credit monitoring site that they put it back on.
I signed up for a promotional offer, but my registration was not processed by American Express because of an error on American Express 's end. I was not aware my registration was processed by American Express at that time. The offer was for XXXX starpoints for {$10000.00} spending ( broken into XXXX increments ). After almost completing the spend, I called American Express to see when I could expect the points and they told me I had not signed up for the offer and they had a lot of technical difficulties in the past for this offer. I was told to finish up the {$10000.00} spending and they would backdate the purchases and I would receive the bonus. Another phone call later, and the customer service representative said XXXX of the bonus was pending to my account and was from this bonus spend. I would later find out, by calling the 3rd party bonus program, that these XXXX points were from referral bonuses unrelated to the {$10000.00} spending incentive. Six calls over the course of two months telling me that the points were pending and would be given once the next statement closed, multiple online chats, long hold times, and disconnected calls later and I was told they could not back date my purchases and I would receive no bonus points.
I have been working on repayment of my loan for quite some time. They have continuously recommended forbearance and other payment plans, that would in turn require me to end up paying way more then what I should have in the first place. EX. Borrowing/Loan was XXXX in all I have now been made to pay approx. XXXX due to interest incurring based on their recommendations of a forbearance.
Transunion employee is lowering the credit score. Debt has been paid down with no improvement within the last five years. There are no liens payments are on time. Could decipher what was causing the score to be so low. Contacted Transunion for correction however this has not been corrected. Scoring does not match what is occurring. Additionally there were jumbled addresses that I requested to be removed from people attempting to take credit. Placed credit on a fraud alert. Issued new information however this issue is not resolved. Additionally there are collections that were paid that should be removed from the account.
On XX/XX/XXXX and XX/XX/XXXX Compass Bankcard pulled my credit report without my authorization. My credit card account was also closed on XX/XX/XXXX due to inactivity. However, I used my card on XX/XX/XXXX prior to it being closed. I called the bank to address this discrepancy. Since it was less than a 30 day gap and because it was their error they would reactivate my account by XX/XX/XXXX and a replacement credit card would be issued because my card expired on XXXX/XXXX/XXXX. In this conversation I specifically asked how my credit report would be affected. They stated that my credit would not be affected in any way. I was told that everything on my account would remain the same with the original open date.