WillisBack/dataset-financial-user-claim huggingface dataset:
I have received an email from this company threatening to put a hold on my social security number, file a complaint with the IRS, and the Attorney General 's office and notify my employer, and press charges against me. After the first email I responded that there was no name on the notice being sent and I wanted proof mailed to me. They do not send anything by mail according to them. I can forward the emails from this company.
I have been disputing information that is appearing on all 3 of my credit reports with Experian, XXXX  and XXXX XXXX for a very long time now as there is a significant amount of negative and derogatory trade lines on these credit reports that do not belong to me nor did I ever sign anything for them and each and every single time I have disputed these with all 3 credit reporting agencies all they do is inform me that after verification it belongs to me. I had requested from all 3 of them then please provide me proof and evidence with dates and proof of my original signature on these items and they informed me they do not do that and then I had asked how do you verify that it belongs to that person and I was told by social security number and date of birth and I informed them I was a victim of identity theft and have the police reports as proof of the crime and they informed me that do not accept documents of that nature. There are auto loans on my credit reports that I never had or signed for and there is federal and state tax liens as well and none of them ever were associated with me ever and none of the 3 credit reporting agencies will do anything to help and assist me to have all these negative and derogatory trade lines removed and deleted from my credit reports that I never had anything to do with and this is wrong in my opinion why I am being punished for something I never created in the first place. I am demanding swift legal actions taken against the 3 major credit reporting agencies Experian, XXXX and XXXX XXXX immediately as this is not right to be treated like a consumer in this manner ...!
Company is XXXX XXXX. I have three store cards with this company ( XXXX XXXX XXXX, XXXX, and XXXX ). On XX/XX/XXXX, I made payments on each of these accounts. The next day, all three accounts were frozen. I have gone back and forth with XXXX with reps from each store card about this. I've sent emails and and called. They're telling me that my account is frozen as a fraud prevention measure because I made a payment. And that once the payment posts, my available credit will be restored. The payments posted to my accounts and cleared my bank on XX/XX/XXXX and my accounts are still frozen as of today, XX/XX/XXXX It makes no sense that a company would freeze your accounts simply for making a payment to your account. And the company is just giving me the runaround. I've had all 3 of these cards for several years and have always made my payments on time each month. There is no reason for them to freeze my accounts.
Was recently assessed a {$6.00} service charge which I was told was for " paper statements '' I have always elected to receive electronic statements and have never paid a service charge. I asked to have the charge returned to me and was refused. I was told that when the current owner of the bank took over on XXXX XXXX 2016, I had to re enroll to receive electronic statements, which I did. I have never received a paper staement in the mail, despite being charged for it on my XX/XX/2016 statement. I attempted to resolve this over the phone with no luck. I mentioned to their customer service that I would be taking my business to another financial institution. They then said they would have someone from my local branch contact me regarding the issue. More than a week went by without hearing from anyone. I went into my branch today to inquire about it and was told the same thing. " It is not a bank error, there is nothing we can do '' I believe it is in fact a bank error. After not getting a satisfactory resolution, I closed all of my accounts with this bank.
" XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' both appear on my [ XXXX ] credit report multiple times in varying amounts, as well as once in aggregate. On my credit report, they 're being treated as separate accounts as well as one combined account. I 'd like the additional line items deleted or identified as duplicates.
Once again, after processing a mortgage payment over the phone, CitiMortgage misapplied my mortgage payment.
Have received letter announcing garnishment to my wages dated  XXXX   XXXX   XXXX  from  US Dept of Ed. bu t have not received any other communication concerning a garnishment prior and now an in an active garnishment. Varying student loan collections organizations have taken my income tax return since  XXXX . I only borrowed {$5000.00} total and have more than paid that off with them taking my income tax return, now they are going to garnish my wages. They say I owe {$5200.00} STILL. I contacted the company after I received the letter on  XXXX   XXXX   XXXX  to attempt to make payment and they would only allow a {$550.00} payment! which is waaaaay to much to pay monthly, might as well let them garnish me if that 's the case. I asked to lower the payment, they would not. My credit will be damaged by an active garnishment and I am seeking some sort of assistance, hopefully your organization can help.
Being charged late fees when multiple payments were made during the month and once was before due date. Several times this yr I have made payments during the month that are being credited for the previous month. This has caused my payment for the current month to be late. Example in XXXX I made a payment that was accredited to XXXX because the payment was mad XXXX XXXX. Also in XXXX I made a payment on XXXX XXXX and it went towards XXXX, meanwhile I made a payment XXXX XXXX that went towards XXXX however I still got a late charge for XXXX. My XXXX Payment was made on XXXX XXXX however if I dont make another payment I will be considered late in XXXX. If this issue were clearly explained at any time, it could have been corrected months ago. I am certain Chase Credit card company is charging many people multiple late fees when payments were made more than once a month but considered late due to date received.
I have disputed the inaccuracies of these debt from XX/XX/XXXX to the present date. This company has re-aged a debt on my credit reports which is illegal and against the law. I have a bill of sales from XX/XX/XXXX and the original debt was disputed with XXXX XXXX as well as the previous collection agency and removed off my credit report. The apparently resold the debt to Calvary Portfolios LLC who re-aged the debt to look as if I recently purchsed the vehicle On XX/XX/XXXX which is inaccurate and falsified. This account was removed off of my account on 2 separate occasions and the company continues to place it on my records.
I sent a debt validation letter to the company and the only thing that was sent to me was a bill not something actually validating the debt is mine.
XXXX XXXX is reporting a credit card account as being a charge off and it was included in my bankruptcy as shown on my experian report.No account can be charged off past the filing date by federal law according to the FTC.To report past the filing date is a violation of my stay and my confirmation that binds creditor and consumer at the time of filing.Also XXXX XXXX is reporting my bankruptcy date as XXXX and as a charge off in XXXX which is totally incorrect.My bankruptcy filing is clearly shown on my Experian report as XX/XX/XXXX.They also filed as a creditor for payment from any proceeds and were electronically notified by the court. I previously disputed and Experian investigated and verified this false reporting and did not remove or correct it.The FCRA says i am entitled to a fair and accurate report and investigation if i dispute.How thorough an investigation could have been done if Experian can not verify information shown clearly on their own report.I accessed my free report from XXXX and viewed it 2 times and printed it. I tried to access it again and Experian said i had accessed it to many times, and asked me again to send them forms of identification with any disputes.I previously on XXXX XXXX sent them the following by certified mail and was signed for by XXXX XXXX XXXX, copy of my D.L., copy of my utility bill and my bankruptcy schedules.So what next do i have to send a blood sample too.
As of today at about XXXX XXXX I was contacted by a woman from XXXX  XXXX unit telling me that there was a case against me for fraud and some other charges. I was threatened with legal action if I did n't pay the debt as of TODAY. They also tried to get my credit and debit information over the phone and when I asked if they had a website they told me no and that if I didnt make a payment today then we could n't resolve the matter at all and they would move forward with legal action IMMEDIATELY.
I need assistance with two issues. In XXXX 2016, while in Chapter XXXX Bankruptcy. I signed an agreement with Caliber Home Loans to do a 3 month trial loan modification. As of XXXX XXXX, 2016, I 've been in a 90 trial loan modification and keep receiving calls and literature from real estate agents because my home appears to still be listed in Foreclosure status. 

Also, my mortgage was FHA Fixed. Somewhere over the past few years itt was switched to a Conventional. But I 'm not sure if it 's fixed or adjustable?
Equifax mishandled mine, my spouses, and my children 's information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
I had a contract to purchase a home in XXXX 2015. The morning of what would have been closing, I wired nearly {$270000.00} to XXXX XXXX XXXX XXXX. The afternoon of 'closing day, ' my real estate agent and I did a final walk through of the home only to find that the seller had defaulted on the terms of the contract by not having inspection repairs made and habitability standards met. Upon learning of the seller 's contractual default, I cancelled closing that day. I later approached XXXX XXXX XXXX to request my wired funds be returned to me due to our failure to close. XXXX XXXX XXXX XXXX has refused for multiple days to return my wired funds. My real estate agent and I formally gave notice to XXXX XXXX XXXX, XXXX XXXX ( regional manager ), and XXXX XXXX ( escrow coordinator ) that I expected my funds to be wired back to my account within 24 hours. We are well beyond that timeframe and my funds are still being held against my will by XXXX XXXX XXXX XXXX. XXXX XXXX seems to be afraid of losing repeat business from the seller 's Realtor, and therefore refuses to return my monies. My monies are being held against my will by XXXX XXXX XXXX XXXX in hopes that I will succumb to their bullying and close on a home that does not pass inspection so that they can maintain a business relationship and profit from their acts of coercion.
I am a Bank of America customer ... both a deposit and a home equity account. 

I borrowed against my HELOC ( XXXX ) last Fall and in ~XX/XX/XXXX use the phone app to pay off the balance. For the following 2-3 months, I re-checked the app, the desktop site and visited the branch. All 3 said I had a {$0.00} balance. When the statement came to my house a month or 2 after all 3 said {$0.00}, I didn't bother to open it. 

In XX/XX/XXXX, my credit score went from an XXXX to a XXXX because XXXX reported me as being 30+dpd for {$5.00}. Apparently, there was some accrued interest that I didn't ( know I needed to ) pay. 

While technically accurate, I think it is wildly unfair that all 3 tools ( app, website and teller system ) all said {$0.00}, none clearly said 'YOU MAY HAVE ACCRUED INTEREST, PLEASE CHECK YOUR BILLING STATEMENT BECAUSE THAT IS THE ONLY WAY YOU WILL KNOW. IF YOU DON : T READ IT, YOUR CREDIT SCORE WILL GET SLAMMED '. 

As a side note, I never received a call, an email, a special letter or an online alert that something was late ... and all that for {$5.00}?!?! wow. 

I've since paid the {$5.00}. 
I just was the delinquency notification to all 3 bureaus reversed. 
I called XXXX and they said they would not reverse the notice to the bureau. : ( Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
We have lived in our home for 15 years and have never missed a payment on our mortgage to Ocwen Loan Servicing, LLC, XXXX. XXXX XXXX, XXXX XXXX XXXX, FL XXXX. 
However, interestingly enough, we have been sending our payments to an address in XXXX XXXX, IL. 
This month 's invoice dated XX/XX/XXXX, includes a charge for {$240.00} for " Past Due Fees/Other Charges. '' Since we have never missed a payment or been  delinquent in any manner, we were puzzled. We called Ocwen ( not certain of the date ) and asked about this charge. They told us it was some kind of processing charge from 2013. Still puzzled, we called them to ask for some authentication of this fee. 
They sent what they called a Payment History. It is essentially a spreadsheet with 52 items on it, none of which we can understand. However, it does end with a - {$240.00}. It is of no help in understanding their claim. 
So now our questions are : 1. Is this a legal charge? 
2. Is it legal to go back 5 years and tell a client she has a charge she has no way of understanding? 
3. What are our rights in this situation. 
I have decided to do this : I am sending this months payment with a check, not electronically as I usually do. I will send a letter with it explaining I have filed a complaint with the Consumer Financial Protection Bureau and I will not pay this extra amount until the cast is resolved.
Residential Credit Solutions wants me to pay {$1200.00} in attorney ; s fees that I do not owe them. Our account is current and we do not owe them anything. Please read the information attached and it will explain everything.
I received a notice in XXXX from XXXX XXXX raising my credit limit ( letter dated XX/XX/2018 XXXX on their cc along with receiving a bill from them. I also received cc denial letters from XXXX ( letter dated XXXX XXXX ) and XXXX XXXX ( letter dated XX/XX/2018 ) which I never applied for either ( I applied for NO new credit cards ). I immediately called all of the cc companies that I received letters from and the only cc that I had a balance on was the XXXX. I talked to XXXX and told them that I never opened a cc with them and they said they would look into it. I received a letter from them dated XX/XX/2018 stating that the investigation has been completed and that their research shows the account is valid and that I am responsible for {$2700.00}. After receiving this letter I immediately went to the police department and filed a police report. The XXXX learned that a cc was obtained online in my name and XXXX products were purchased XX/XX/2018 online and picked up at an XXXX store XX/XX/2018 with someone using a fake ID with my name on it. Apparently since someone picked up the products in the store XXXX is assuming it was me, which it was not. I have also written letters to the 3 credit reporting agencies ( sent on XX/XX/2018 XXXX along with notifying the FTC. What I have learned from talking to different people at XXXX is that the maiden name used to open the card is not my mothers maiden name and that the phone number used to obtain the card is an old land line/house phone that I had approximately 15 years ago. I have made an apportionment to talk to a lawyer tomorrow regarding everything barbecue I can't seem to get anywhere any other way.
Trans-union had a glitch during XX/XX/2017-XX/XX/2017, in where all my XXXX inquires were removed, and re added, of which my score took a dump, trans-union will not admit the glitch, but I have screen shots from the glitch, they did not notify me of the glitch of which by law they had 5 days to notify me. So for failure to notify me by law I want all inquires removed from my credit report. I am un-able to upload have no scanner but can fax if you answer me with a fax #, and a name to send it to.
a few weeks ago, I submitted the same complaint about Chase Banks delay tactics of deducting from out account the next day ( in the morning ), when, in fact, they place the deduction the day before so that they can collect XXXX of dollars a day for the NSF. They told CFPB and wrote me a letter, saying that they have changed their tactics on this NSF situation. However, they did the same thing again to me on XXXX/XXXX/15 ( or XXXX/XXXX/15 )! I always check my account around XXXX every night before I go to sleep and when I went to sleep on XXXX/XXXX/15 ( XXXX XXXX I had a positive balance! I felt that they had " fixed '' their collection method, so I felt that I would run down to Chase the next morning and deposit enough monies to cover my checks. However, when I check before the bank opened ( at about XXXX XXXX ) I found that they had delayed the deduction of my checks from my account until the morning of XXXX/XXXX/15 and deducted XXXX NSF fees. I ran down to my Chase ATM machine at XXXX and deposited the monies to cover the insufficient funds, but to no avail. 
This is a rip off from customers of over millions of dollars a day using this tactic. There probably should be a class action suit by customers of Chase who have unfairly been " ripped off '' by being charged NSF fees by Chase using this tactic.. They either had n't changed their method of collection OR they stalling to change, while they continue to collect the XXXX of dollars per day. 
They had written to me and CFPB saying that they had changed this tactic, but it looks as if they just lied, or they delayed the change until they continue to receive XXXX of dollars. 
My previous submission number : XXXX
Equifax continues to report an account ( XXXX Account # XXXX ) on my credit report that I have requested several times to have deleted since it does not belong to me. I had also attached to my investigations with Equifax as proof an original letter from XXXXBANK which whom is the original furnish-er of this account that they would delete this account since it does not belong to me. Equifax with proof from the original creditor keeps saying this belongs to me? 

-Attached is original letter from XXXXBANK-Attached is XXXX separate dispute results from EQUIFAX
Hello - I signed up for a trial of Experian XXXX XXXX XXXX but when I tried to cancel it I was put on hold for XXXX minutes and then had to hang up. I am on hold again as I write this -- so far I am on hold for XXXX minutes. I have written to their offices in XXXX XXXX, CA and XXXX, Texas trying to resolve this rather simple matter. I will attempt to attach copies of these letters. 
I seek a refund of {$24.00} and more importantly want them to stop billing my credit card. 
The real crime is amount of my time they have wasted. 
More informally, this really smells of " scam ''. 
I am considering bringing them into a local court and also notifying my XXXX Congressman and and my XXXX Senator. I have a strong suspicion these guys are routinely ripping off Americans.
I have a collection account on my Experian Credit Bureau from a Creditor by the name of University XXXX XXXX XXXX XXXX that isn't mine and its been reporting to my credit bureau since XXXX. I have disputed the collection multiple times and have disputed directly with the creditor. Experian tells me that when they do their investigation that the debt comes back as valid and that it will remain on my credit report. This debt was from XXXX, its over 12 years old. I  called University XXXX XXXX XXXX XXXX and they tell me they don't have to provide me with proof and that I should just pay the debt. They also told me I should call my local Police Dept and file a Police Report however they wont do so because of the age of the debt and that I have no proof to show them that a debt I'm claiming isn't mine exist. I want this removed from my Experian credit report at once and want to file any and all complaints I can and I will even consider private litigation if needed.
This is a XXXX account that was paid. Upon initial service they installed a defective channel box that was not compatible with my broadband internet service. About a week later the technician came out and replaced the defective box with a new one and he took the defective box with him. A couple days later I received a XXXX box with a shipping label. I called them and they told me to send the channel box back to them and I told them I was a new customer. They then billed me for the defective box. I made many attempts to settle the situation with no success. I notified them that they were in default of contract and I terminated service and then sent the remaining channel box and all equipment back to them. I have all the documentation to verify my statements are true and correct. You may reach me at XXXX direct or XXXX office or XXXX.
XXXX XXXX was the original account holder for a fraudulent account that was opened in my name. The account was turned over to XXXX XXXX for collection. I have an account with XXXX XXXX listed on my XXXX and Experian Credit Reports in the amount of {$1300.00}. Both credit bureaus have refused to remove the account from my credit reports. I have disputed these items and will continue to dispute this item until they are removed from my credit reports.

I contacted both credit bureaus on XX/XX/XXXXand disputed these items yet again and while both credit bureaus have complied with filing the dispute they informed me that they have verified that this is my account and the information is accurate.

I contacted XXXX XXXX on XX/XX/XXXX and they referred me to XXXX XXXX XXXX XXXX as it pertains to this account. I did contact XXXX XXXX XXXX XXXX on XX/XX/XXXX by phone and they were closed. I also sent them an email as well on XX/XX/XXXX.

I received a letter from XXXX XXXX Fraud Dept. dated XX/XX/XXXX that the company verified that this is not my account and that this account was indeed a fraudulent account that was opened in my name.

I do not understand how I can have a valid letter from the company and yet this item still remains on my credit reports even though the company has verified that the account does not belong to me and was a fraudulent account. XXXX XXXX  informed that they sent electronic letters to both XXXX  and Experian telling them to remove this item from my credit reports ASAP and yet it remains.

XX/XX/XXXX will be two months and according to the letter I received from XXXX XXXX it can take up to 30 days or 4-6 weeks. Well as of XX/XX/XXXX it will be 4-6 weeks and this item has not been removed from my credit reports as of yet. The letter sent to me by XXXX XXXX was dated XX/XX/XXXX.

Also on my XXXX and Experian Credit Reports they have accounts listed as closed/removed with a {$0.00} balance that is counting against me making my score go down and not up. When items have been verified that they do not belong to an individual and removed from your credit reports yo

ur scores goes up not down. Both reports are reporting the same information twice one with the amount and one with a {$0.00} balance so I am confused which one is it? XXXX has been the absolute worse of all and they told me that as a consumer I can not dispute any information on my credit report and that they can not delete or remove anything from my XXXX credit report only the company can. XXXX  has been giving me the wrong information and every time I call in their is always a problem or I get a person who is a foreigner and does not speak English or their systems are always down. It is never ending a
nd I am sick of it.