WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and now, I 'm requesting a reinvestigation under Fair Credit Reporting Act of a dispute related to my credit an XXXX accounts that I have problems.. Unfortunately this dispute was not resolved as provided by law. I am also requesting that the information be updated immediately because from XXXX is not done despite my multiple re investigation requests.The acounts information has several discrepancies and errors. in XXXX the XXXX account was removed and then was reincorpored to the credit report. I have XXXX accounts sold to XXXX Bank with {$0.00} balance but appears in delinquency. The US Department of Justice and the Consumer Financial Protection Bureau ( CFPB ) announced at XXXX XXXX, XXXX a settlement to resolve allegations that XXXX XXXX XXXX Bank, known since XXXX XXXX, as XXXX Bank, engaged in a nationwide pattern or practice of discrimination by excluding XXXX borrowers from XXXX of its credit card debt-repayment programs. The settlement resolves claims by the department and the CFPB that XXXX XXXX violated the Equal Credit Opportunity Act ( ECOA ) by excluding borrowers who indicated that they preferred communications to be in XXXX or had a mailing address in XXXX XXXX from XXXX credit card debt-repayment programs. The agreement is a joint fair lending enforcement action by the department and the CFPB and is the federal government 's largest credit card discrimination settlement in history. Federal and State laws require that credit reports must be 100 % accurate, complete, and verifiable. I am concerned that you included the information below in my credit file in failing to maintain reasonable procedures to ensure accuracy in your credit reporting. As you can observe, the information was not updated when I disputed those account in various occasions. Is your responsibility investigate and update the information as I 'm requested in the several disputed that I submitted to your credit agency.
I

had opened my account with XXXX on XX/XX/2017 and did few transactions until XX/XX/2018. After that they took my access to deposit or withdraw funds error showing " Sends and receives are disabled for your account. To enable these features, verify your account. '' I have already verified my account by providing all the required details and they have been telling me that our supervisor will review you case before we give you the access and its been over 4+ months starting XX/XX/XXXX that i haven't received any email or phone call from the company. I have called them over 7-8 times for the same and they tell me to wait, I have their emails mentioning i will receive a call or email from their supervisor in order to get the access. There are so many similar complaints against this company and they have blocked millions of dollars for other consumers too. I was surprised to hear this when i called them on XX/XX/XXXX that they claim they have sent me an email to verify identity which i claim that i haven't received and told them to send me again because even my account says my account is already verified which i already did on the XX/XX/XXXX. I told them have been following my case from months and nobody told me to verify my ID, everytime i call i have been told to my case is pending reviewed by supervisor and this time they told me i have to reply to the email which i never received and i told them to send me again and they say there is no way to send the email again which means i wont be able to get access to may account ever as according to them it was computer generated and can not be generated again. After having heated argument they still say there is no way to send the email again but the fact is my account is already verified and i have supporting documents for the same. I have been trying to sell my virtual currency from the past 4+ months and it has been depreciating since then and i am unable to make any transaction, Please help me my portfolio value has drastically gone down i have lost a lot of my saving because of them.
Dear CFPB, There are two Collections accounts on my three credit reporting agency reports that are either not mine or are reporting seriously incorrect information. 

They are XXXX XXXX with an open date of XX/XX/XXXX and XXXX XXXX with a open date of XX/XX/XXXX. XXXX and XXXX have similar Collections reported. 

Last year, I contacted the three Credit Reporting Agencies about these collections but all they did was note that I am disputing them. They have not corrected or deleted them. Also, the collections agencies did not respond to my request for validation. I know for sure that I have not defaulted on any debt for since I went through a divorce in early XX/XX/XXXX. For six years, I have made all my payments on time and so I know for sure these are not my debt as currently reported. 

I am extremely worried that these collections are either not my debt or have been re-aged by the collections agencies. This practice of re-aging is a very serious violation of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 5 ) Duty to Provide Notice of Delinquency of Accounts ( B ) Rule of construction. For purposes of this paragraph only, and provided the consumer does not dispute the information, a person that furnishes information on a delinquent account that has been placed for collection, charged for profit or loss, or subjected to any similar action, complies with this paragraph, if ( i ) the person reports the same date of delinquency as that provided by the creditor to which the account was owed at the time which the commencement of the delinquency occurred, if the creditor previously reported that date of delinquency to a consumer reporting agency After contacting the collection agencies and the three credit reporting agencies, I do not know what else to do. Can you please assist in me in getting these erroneous collection reports removed from my three credit reports? 

Sincerely, XXXX XXXX
On XXXX/XXXX/XXXX I learned of a large breech of security by Equifax. According to their records my personal information was compromised. I believe that they mismanaged the safety and security of my private information and identification ; and failed to quickly and thoroughly notify those who were effected by the security breech. I have placed a fraud alert on my accounts but would like to be able to freeze my accounts without being charged due to the compromise of my information due to Equifax 's incomptence.
I received a collection document from XXXX XXXX XXXX regarding a deliquent debt with XXXX XXXX XXXX. I currently hold good standing accounts with XXXX XXXX XXXX. XXXX XXXX XXXX has confirmed with their debt recovery unit that I have no delinquent debt. The account which is listed on the document has been confirmed with XXXX XXXX XXXX as not being any that I 've ever held with them. 

I 've requested proof of the original debt from the personnel at XXXX XXXX XXXX and was told it would take 30 - 45 days. I 've been threatened with action being taken in 2 weeks. The current owner of the debt is Pyramid Aquisitions. According to the information I 've received from XXXX, the account is as old as 2006. 

This sounds fraudulent or like a phishing scam. Please investigate and let me know what action I can take. 

Thank you!
Going over my credit report, I have found it contains many errors. I request your investigation of the following " personal information ''. For the record : 1.  My name is XXXX XXXX XXXX. Please remove all other name variations IMMEDIATELY they are not accurate! 2. My current address is XXXX XXXX XXXX, XXXX, FL XXXX Please remove all other addresses and another name IMMEDIATELY they are not accurate!
Absolute nightmare to deal with it. Waited on hold for sometimes 30 mins for what I viewed as simple questions. Once a representative would pick up I would proceed with my question, if they did not know the answer they would simply hang up the phone and I would need to spend another 30 minutes to get a hold of someone. If the rep did not hang up on me I was usually provided in accurate information. Without question the worst company I have ever dealt with. Luckily I have closed out my loan and after an hour and half of attempting to verify the address where the tax documents would be sent, ( after 3 unsuccessful attempts ) I hope I never have to contact them again.
I leased a new car from XXXX XXXX in XX/XX/XXXX. After 90 days the dealership I purchased from contacted me to say they made a mistake with the Vin #. I brought the car in and had to re-submit paperwork for the lease. XXXX XXXX then confused my account with another account that had been delinquent. As a result XXXX issued a negative hit on my credit file. Of the XXXX major credit reporting agencies Transunion was the latest to report an issue on my credit file. Now it is my 4th time going back to them to dispute the information from XXXX XXXX. The first time they corrected my file then reversed it to the original inaccurate information. I went back a second time, they corrected it and then omitted that I was paying off an installment loan to XXXX XXXX that Transunion themselves said affected my FICO score due to have no installment loan info! I went back a 3rd time, it appeared both issues were corrected and in XX/XX/XXXX received documentation from Transunion showing everything correctly. I checked my credit report via XXXX, that allows my to see the XXXX major credit reporting agencies and noticed once again Transunion how a late payment noted on my credit file that I had previously resolved with them! Reversing for the 2nd time information previously corrected! Tonight I sent my 4th dispute online with Transunion. XXXX credit has corrected my information, I assume at this point that Transunion is clearly inaccurate and incompetent. This is the worse experience I have ever had with a credit reporting agency.
Collection agency, Hillcrest Davidson, collected an amount far larger than the unpaid balances, by lying to me that this amount will be credited back to XXXX ( original company that engaged the collection agency ). But the amount was pocketed by collection agency and no one seems to know where the amount is. Hillcrest Davidson collected {$1200.00} from me on XXXX XXXX, 2015, while the past due balance was a small fraction of the collected amount.
I was involved in a fraud scam. In XX/XX/XXXX of last year, I set up a payment plan with this company for my student loans to be paid off in the next 10 years if I pay this amount for 10 years. I had no idea that they were taking the money and pocketed it. I just want my money back.
I opened a checking and savings account in XXXX 2015. I received a letter from TD Bank on XXXX XXXX, 2015 stating that my checking account was overdrawn. After logging on to the account to see what had happened, I could tell that for three months ( since XXXX ) TD Bank had been charging me maintenance and overdraft fees to the tune of {$35.00} a month, causing my account to go negative and then further negative each month. All without contacting me or alerting me before charging these fees. The first notice I received was by mail with a letter dated XXXX XXXX, 2015. My savings account, opened on the same day and linked to the checking account, had hundreds of dollars in it, enough to cover any issues with the checking account. The account representatives that I spoke to tonight told me there was a minimum balance and therefore there was a charge of {$15.00} each month and once those maintenance fees were charged, they added an overdrawn fee on top of that because TD Bank had overdrawn my account. I do n't remember agreeing to this minimum balance, nor do I use this account very often, so it is not unusual that I would not have noticed the fees piling up for three months. The supervisor on duty agreed to waive two months worth of fees but would not agree to waive all of the charges. This is a fraudulent practice because once the account dips below the minimum the maintenance and overdraw fees add up quickly to force a negative balance and removing the rest of the money from your account.
I send Equifax several letters requesting they make justifiable corrections or removals of unverified or invalid allegations of account information to meet federal reporting standards of completeness of the current reporting status, timeliness, truth, accuracy and compliance else wise of every single one even each any and or of the aspects of alleged account information documentary to be proven mine do to future enhance your adequate and mandated compliance to proper and fair reporting. After reviewing my credit report I found a number of items on the report inaccurate and they have failed to correct it. I send about several letters that have been ignored the last one was send certified tracking number XXXX. They have failed to send me copies of the documents that they have in their file as of this date that was used to verify the accuracy of the following accounts. 1. XXXX 2.XXXX 3. XXXX 4. XXXX XXXX 5. XXXX XXXX 6.XXXX Also a few inquiries that I did not authorize. 1. XXXX XXXX -XX/XX/XXXX 2. XXXX XXXX/XX/XX/XXXX 3.XXXX XXXX XXXX-XX/XX/XXXX. I contacted the original creditor as  suggested and have disputed these items but XXXX is still reporting these unproven to be authorized alleged inquiries as well.
XXXXXXXX XXXX put on my credit XX/XX/XXXX from XXXX XXXX for a total of {$1300.00}. And another XXXX of {$1700.00} XX/XX/XXXX. These are not the original amounts of debts that I owe. And Ive never did business with XXXX XXXX. Ive asked them to verify and please delete with disputes letters. And it is still on my credit. And is ruining my credit life. Ive also contacted them. Please delete. I have never done any business with this company. Aslo XXXX a collection for XXXX for XXXX XXXX XXXX. Ive conctacted and made payment arrangement with the original debt owners. So please delete these collections.
Received a message from my sister and my ex husband all within 5 minutes of each other this morning stating they received a voicemail asking about my whereabouts and to have me contact the referenced number. Voicemail stated I should not drive, leave my house and if I do I will be pulled over as they are suspending my drivers liscense ( threats ). Basically, insinuating I 'll be arrested. Caller did n't state who they were said I 'm being investigated for " Hot Checks ''. I have n't written a check in many years. They never called me just phishing for info from family and former family members-anyone who I have contact with.
This complaint is against Mr Cooper.

Loan # is : XXXX   Property : XXXX XXXX XXXX , XXXX XXXX Ca XXXX. This is my place but all correspondence should be at XXXX XXXX XXXX, XXXX XXXX Ca XXXX or email : XXXX. My cell phone is : XXXX XXXX XXXX.

I bought this home around XX/XX/XXXX. The house is currently. The lender has claimed I did not pay my supplemental taxes. I disputed and provided ( fax & email ) to the lender. I even complained to the lender, it's not my fault. Someone at the company screwed up and now they started to impound my account for property taxes. I pay my property taxes in full on time. I have been calling every month or so with no response. The last person to help me and sound promising was at XXXX XXXX XXXX. She was helpful and even followed up but then went COLD. The woman claimed the funds from County have been released XX/XX/XXXXand should not be impounded any more. I have called the number several times with no response. Mr copper sent me a legal response on XX/XX/XXXX stating they are investigating this matter. No response so far. My loan was sold to Mr Cooper. Last XX/XX/XXXX I sent email via their web site and they have not even responded to date. This kind of behavior should be penalized. I am on auto pay and have never ever missed a payment.

I even called today before connecting with you guys. They connect me to the XXXX  phone number and eventually disconnects with no answer. Can you help?

XXXX
credit reporting company needed a copy of my driver license and ssi card so i am providing a copy of my all affidavits
Debt was paid/ settled in full. The company agreed to remove the debt from my credit report. Instead, the company updated the credit report to show a past due amount minus the amount I paid. This is unacceptable. I would not have paid a dime unless the item was going to be fully removed. 

I have filed a complaint with my credit card company as well. The call was recorded and I am very clear on what I agreed to with the company. After reviewing several websites, this company has a track record for shady practices and unfair collection practices.
Mr. Cooper purchased our home loan during sometime around XX/XX/2018 and since XX/XX/XXXX of this year when they incorrectly complied our escrow payment increasing our house payment XXXX a month from XXXX TO XXXX. To continue the issues, they then incorrectly applied our XXXX electronic payment towards principle and not towards our loan on several occasions. These two events have compound and incorrectly caused undo stress and hardships on my family. 
XX/XX/XXXX PAYMENT OF XXXX was sent and received to Mr. Cooper. 
XX/XX/XXXX Late fee was applied of XXXX. 
XX/XX/XXXX- Received bill stating our Monthly payment had increased from XXXX to XXXX. Additionally, bill stated XX/XX/XXXX payment would be XXXX XX/XX/XXXX- Received a letter stating our payment of XXXX was not received on XX/XX/XXXX. 
XX/XX/XXXX- Received a letter stating our loan was in default. Total amount due was XXXX XX/XX/XXXX- Contact Mr. Cooper agent at XXXX XXXX to inquire about issues with incorrect billing and delinquent notices. Spoke with a nice agent name XXXX, notified us that XXXX went incorrectly to principle and not towards interest/escrow/loan. She transferred the payment manually and removed the XXXX late fee. Additionally, she transferred us to another department, spoke with XXXX, to correct the issues with escrow being incorrectly multiplied and received notification that our monthly payment went down to XXXX. Furthermore, we received notification that we overpaid our escrow and would be receiving a check for XXXX. 
XX/XX/XXXX Received a letter notifying that payment was inappropriately applied payment to unapplied funds account and our account was delinquent XXXX. 
XX/XX/XXXX Received notification that XXXX XXXX would be our dedicated loan specialist a he would help us resolve our financial issues. Seeings that the only issue I have is that Mr. Cooper can do simple accounting, I presume firing a few people would be appropriate. Did not contact XXXX XXXX. 
XX/XX/XXXX Received certified letter stating our rights and that there is a attempt to make collection on XXXX loan. 
XX/XX/XXXX Received another letter from XXXX XXXX about available loss mitigation. Did not contact XXXX XXXX as there has been nor should have been any issues. 
XX/XX/XXXX Spoke with XXXX again, told here that our payment wasn't correctly applied again to loan. Submitted two payments that day for XXXX and an additional, XXXX. The XXXX I believe is a overcharge from the original SNAFU ESCROW issue. Was notified that account was up to date we could ignore the collection notifications. 
XX/XX/XXXX Received letter from Mr. Cooper stating we owe XXXX. 
XX/XX/XXXX Received loan statement that regular monthly payment is XXXX but we amount due is XXXX and XXXX payment was not correctly applied again. 

I will continue to work with Mr. Cooper but they continue to incorrectly apply payments and can't seem to do proper accounting.
The final payment was made on XXXX/XXXX/XXXX for a car that was financed thru XXXX XXXX XXXX. I received confirmation from the automated system that the XXXX payment was accepted. I received not only the confirmation from the automated system, a passtime code was also sent to the vehicle, confirming that XXXX received the final payment. I contacted the company a few days after making my payment to inquire about the release of the title. I was told by the XXXX XXXX XXXX that the she would contact me once the title was at the dealer. On XXXX, I received a call from XXXX XXXX stating that the payment was returned from my bank for nonsufficient funds. I knew this was untrue so I requested a copy of the written statement from the receiving bank detailing why the payment was returned. I have yet to receive the information. I 've been provided with information coming directly from the XXXX system showing they returned the payment but will not provide details as to why. I also know that the funds cleared the bank because the confirmation number was provided. If the payment was not successful, I need to understand why the automated payment system used by XXXX is sending false confirmations of payments to its consumers. XXXX XXXX is forcing me to repay the debt and refuses to honor the terms of the note. The vehicle was XXXX while I was at work. I was unable to travel in my property to my destinations including picking up my family from their daily routines. I would like XXXX XXXX to honor the contractual obligation and release my property or provide me the written statement from the receiving bank detailing why the payment was returned. I have yet to hear from my bank regarding any discrepancies. XXXX is rude and very disrespectful. I had to start recording the conversation with her to get her to act accordingly. I am being forced to pay another {$1000.00} to satisfy XXXX since she did n't accept the payment. XXXX XXXX is acting in dishonor and bad faith by refusing to honor the contract and release my property. This is theft ad coercion. Please help
The referenced company in this complaint never contacted me by way of us mail, telephone, or email regarding this account. The referenced company should not have of my information on file and are reporting a debt on my consumer profile in error. I have contacted this company by phone and was told that they do not have my information on file.
The credit bureau is in violation of the FCRA. In accordance with the FCRA the collection agency must report the original date of delinquency and this date is not allowed to change by law. In a effort to re age the account the collection agency has changed the original date of delinquency to XX/XX/2012  which inaccurate. The original date of delinquency was prior to that. The collection agency has failed to provide myself or any other entity with documentation showing the original date of delinquency. They have also failed to provide any record of payments on this account. Since no payment was made on this account the original date of delinquency would be 30 days from the date the account was first registered. If we use the logic that the date of delinquency was in fact XX/XX/2012 XXXX must provide proof that the first delinquency was XX/XX/2012 and it was only 30 days late. I demand that a someone from the credit bureau investigated my credit file. XXXX is stating the account is accurate but by their own logic this debt is not valid.