WillisBack/dataset-financial-user-claim huggingface dataset:
I requested a copy of my original loan documentation twice. Initially I was told I would receive proof of my debt owed in hardcopy form by XXXX/XXXX/XXXX. I did not receive it and so I called on XXXX/XXXX/XXXX to ask when the documentation would be sent to me. They said they were sorry and I would receive the hard copy by the end of XXXX XXXX. I received one page, no amount, no school loan information. They sent me a signature page dated XXXX. 
I then asked for proof of my loan debt which I do not owe and now they are threatening collections and sending 2-3 emails a day asking me to log on for ways to pay a loan I am disputing. I asked if this collections can be put on hold until it is verified that I owe this debt. They said only if I admit the debt is mine and plan to repay. I stated I am disputing this debt. 

Needless to say I am having my credit ruined and I can not get them to honor the laws put in place to protect my rights as a consumer.
I was a victim of transunion 's inquiry issue ''. i called them XXXX / XXXX /2017 to make them aware and to see the steps that I need to follow. customer service would not help and take care of the negative inquiries reporting to my credit report.
TransUnion had a server error, where the company had deleted a ton of inquiries from consumer credit reports, then proceeded to reinsert those inquiries back to the consumer credit reports. TransUnion failed to follow the legal procedure to actually do so. They removed all of my inquiries and placed them back and I want all of them removed because they didnt follow procedure.
The description provided is a brief explanation of what happened. I have attached copies of corresponsdence between Ocwen and I which outline the specifics of my claim along with supporting documentation. Please refer to the documentation for more details. 

Ocwen erroneously expedited my 10 year interest only loan by demanding that I make a full principal and interest payment as of XXXX XXXX, 2015. Not only did Ocwen 's claim violate the terms of the mortgage note agreement but their blatant disregard for their error is unethical and dishonest.
I open an account for my XXXX Daughter wicht I specif made clear that the account has Not Ovedraf and No over drawn privileges. It is on the account contract., but Bank of America have taken almost {$200.00} on overdraft fees
Company sent me a letter on XXXX/XXXX/XXXX in the mail saying that I was 23 days delinquent in the amount of {$130.00}. I called about it and they said it was from XXXX. I have never received any correspondence about this amount I have however been sent one letter about my late payments in early XXXX and nothing about this amount was ever mentioned to me or has been sent to me.
Someone gained access to my Wells Fargo Checking Account and my phone number. The individual was able to register a mobile device, change my Wells Fargo password and set up XXXX and use XXXX instant pay to make a fraudulent funds transfer without my authorization ( {$2400.00} ). I received a phone call regarding a fraudulent transaction at XXXX on XX/XX/18 from someone impersonating a Wells Fargo representative shortly before the unauthorized XXXX payment was sent to an unknown individual in Florida . After receiving the emails notifying me of the unauthorized XXXX payment I called Wells Fargo to report fraudulent activity with my account and to stop all pending payments in all forms ( XXXX XX/XX/18 ). My username and password were changed immediately. Wells Fargo claimed they would open an investigation but stated the chances of getting my money back are slim. I feel there is a lack of security features offered by Wells Fargo preventing this scam from occurring. Only after this event did Wells Fargo recommend a 2 step verification process ( verbal password added ). What happened to me is similar to what happened to the individual in the article ( XXXX  : XXXX ). This morning when I accessed my Wells Fargo account with a new password and new username the payment was still 'pending ' but now at XXXX MST the payment cleared. Wells Fargo should have been able to cancel/stop this fraudulent payment yesterday when they were immediately notified of the fraudulent activity.
After disputing the following account : XXXXXXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX for months. It still remains and should not be. These two alledged debts have been causing havoc in my personal life. So the reponses I get from these TWO credit bureaus when I disoute it is : Verified and to provide proof. Now as I say this. I pray these bureaus and whoever else actually read. Because I know that what Im sending can not possibly be getting read. First, a CONSUMER ca n't provide proof of anything if it doesnt belong to them. So stop saying that ridiculous tired line. The COMPANY supposed to contact the consumer first then provide proof and verify a debt the consumer is disputing, before even placing on anyone 's credit report BY LAW. Transunion nor XXXX is not verifying these alledged disputes. For it is easier for them to send the same written response WITHOUT a little bit of effort to investigate. Apparently these two bureaus need a new investigation team who actually works. It has also been clear to everyone that the credit bureaus even work with these companies and give them information if they do not have it to properly verify the account. Which is ILLEGAL. It 's so funny how a company have nothing about you and all of a sudden they have it. And these companies specificially told me, that the bureaus gave them date of birth, address and proper names. Wow! Amazing. Talk about breaking the law. So I have contaced my local Attorney general office, state rep and an a attorney. I have no proof to provide showing anything because it 's not mine to begin with. Neither one of these companies have never contacted me before this was placed on my credit report nor have they contacted me or sent any proof after placing these alledged debts on my credit report. I ca n't come to grips with how easy it is for a company to add a alledged debt that is not mine to my credit file. And it 's XXXX for me to get it off. These alledged debts has not been verified at all. There is no tracking info, no trace of any mail coming from these companies according to USPS. Nothing! However this is still on my credit file. Something has to be done with these credit bureaus not doing there job. It 's no possible way. The bureaus need new investigation departments that actual follow the law and work. Its so many consumers daily disputing incorrect debt till the credit bureaus are not doing there job correctly. XXXX  is the only one that I can say is doing a job well done. Neither of these debts are on my XXXX report because the companies did not have proper demographics and never sent proof to verify debt. So it was removed in 30 days. This is the exact reason they are trying to pass a law, not to be able to sue the credit bureaus. Because the credit bureaus are breaking the law daily. But I have signed the petition not to pass this law. Why would we need a law in place if the bureaus are following protocol. Because they are not.
I opened a line of credit at Macy 's and purchased a single item. I paid the bill I received in full, but continued to receive statements reflecting a small balance ( i.e., under {$4.00} ). I called the Macy 's XXXX and paid the card off in full ( again ), and continued to receive statements reflecting a small balance. I called today XXXX XXXX XXXX, 2016 ), and the Macy 's representative admitted that her records showed that I had paid the bill in full in XXXX ; she therefore " waived '' the balance of {$4.00} reflected in my XXXX statement. Once the Macy 's representative " waived '' my remaining balance, I cancelled the account. I wonder whether Macy 's is charging other people interest payments on zero balances.
I have been getting repeated calls from the same number. Finally when I answer a man asks me to verify personal information and does n't disclose who he is, who he represents, or what he is calling about. Finally he says its about a debt ( I have no outstanding collections on my credit report ) but wo n't disclose the nature of it until I verify several pieces of personal information.
I am requesting with this notice that the following account be DELETED from my credit report. XXXX ( NOT MINE ) this is a result of ID THEFT and is causing me financial distress because of their derogatory information. Appropriately, I can show a judge at XXXX XXXX OHIO that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items correctly. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, how it was done with who with contacts actions I will file a civil suit in XXXX XXXX Against XXXX if no results for damages. I take my credit very seriously and your lack of proficiency and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I stand by the right to sue your credit bureau for violations of the FCRA and I believe I can prove to full extent, that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process further. I am irritated at your indictment and I have consulted with the court my rights in regards to my credit file. I look forward to your expediting my original request immediately. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. This is NOT a request for " legalization '' via E or evidence of my mailing address ect, but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number and correct XXXX accordance with section, of the Fair Debt Collection Practices Act. Or I request this be Deleted with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization. 
Consent to publish the description of what happened? Consent provided
Can not reach a human who will help. Automated numbers are disconnected or are circular redirections to intentionally frustrate. The recording instructs you to write to them by mail and disconnects you completely rather than redirecting to other options. Found a number and reached a human who told me I had to pay to receive my credit report ( illegal ).
On XX/XX/ I made an online Bill pay through my Bank ( PNC ) for a payment to my Mortgage company XXXX XXXX. I accidentally made a duplicate payment the following day on XX/XX/XXXX for the same amount of {$2800.00}. As I caught this error, I spoke with PNC to cancel the 2nd payment. While PNC reached out to XXXX XXXX to cancel 2nd payment, XXXX XXXX cancelled both payments and sent the funds back to PNC. Since PNC did not request the first funds back, they show that a payment was made on my behalf. The information above took until XX/XX/ to share this with me. While on a conference call with XX/XX/XXXX, PNC, and PNC 's 3rd party payer ( XXXX   ), it was shared that XXXX was in possession of these funds. I was asked, how I wished to proceed and the options where to send money back to XXXX XXXX which should take 2 days to post to my account or send back to me which could take upto 2 weeks. I chose to have the funds sent directly to XXXX XXXX. Since this call, I can share with you that these same funds are lost again. PNC/XXXX is claiming the funds were sent and XXXX XXXX has no receipt of these funds. I believe I have given both banking institutions more than adequate amount of time to conduct the research needed to bring this case to a close. Any assistance you can provide to help locate these funds would be much appreciated.
I received a auction date for  XXXX / XXXX / XXXX . This is my primary residence I tried to do a loan modification but I was told it was incomplete. The mortgage is under my name and the a co-borrower who is also the father of my children and also the abuser. I am a victim of  XXXX   XXXX  and currently have a restraining order active, against the co-borrower The bank is requesting a quick claim deed from the abuser it has been hard for me to locate him. I am asking for a stop or postponed this date so that I cou ld get a 3rd person involved to reach the abuser and have this document signed I also have my children contributing to th e mortgage. I am asking please to give me an opportunity to resolve this matter..I have done a loan modification in  XXXX  but was denied because I failed to submit a paper from the package which I did faxed to the bank and they claim they never received it. Please help me out I strongly want to keep my residence and I know that I could make mortgage payments if approved a loan modification Thank you.
This loan was discharged and paid off in a Chapter XXXX bankruptcy on XX/XX/2017. On several occasions, I requested the title for the property. Also, the debt is currently being reported as delinquent on my credit report.
I had to XXXX the phone number when it had been a few weeks since my purchase and I had not received a bill. I was able to put in my SOC/zip and it pulled up my balance and asked if I wanted to Pay Balance IN FULL, the balance matched my receipt so I said Yes and paid. Over a month later I received a bill with Finance charges and late charges. When I called the billing rep said she could not fix or adjust my account due to the company going through bankruptcy. She said she would place an escalated complaint and I should get response by mail in about 6 weeks. All that I  have received are more invoices with more interest/late charges. I paid my purchase balance in FULL to the XXXX within a few weeks of my purchase { without having received an invoice }. The invoice I just received says are charging me {$130.00} for lates fees and interest and I do not owe this.
I received my XXXX 2016 statement from Seterus showing A total amount due of {$3300.00}, showing a past due amount of {$1600.00}. I immediately called Seterus on XXXX/XXXX/16 and talked with XXXX XXXX. She told me everything was OK. I asked why was it showing I owed for last month when the check was received by them and paid to Seterus on XXXX/XXXX/16. She stated that the payment is due on the XXXX of each month. However, it will not be reported to the Credit Bureau unless after the XXXX of the month. I indicated to her that this does not made any good sense and asked her if this is going to happen every month showing no payment received and why were their system changing to show no payment had been made. I noted that nothing had been applied to the Principal, Interest nor Escrow and the Outstanding Principal Balance remained the same as the XX/XX/XXXX statement of {$180000.00}. I assumed it would be corrected on the XX/XX/XXXX Statement. However, when I received my XX/XX/XXXX Statement, it showed, again, that I was past due for the previous month. The Principal, Interest and Escrow is incorrect because nothing was credited for XX/XX/XXXX as well as the outstanding Principal Balance. There are serious errors with these statements and I want the proper credit for the month of XX/XX/XXXX because nothing was credited as well as stop showing that I am a month behind on every statement because this is inaccurate.
I received a letter stating that I had been selected for wage garnishment. I contacted the loan servicer Transworld Systems ( TSI ) to get enrolled into a rehabilitation program. My primary complaint is the fact that there are separate departments that deal with the set-up, verification and maintenance for each account and they do not all work efficiently together. So XXXX person in XXXX department will tell you XXXX answer and then later you will be told something totally different by another person or department. 
In my case, The set-up manager told me that I needed to sign XXXX different sets of documents and return them via email, but she sent me the wrong documents. I completed the paperwork, signed and returned as instructed and no one called for 2 days. On the 3rd day, someone called and said that my paperwork was incomplete and that I would probably still have my wages garnished until I got that to them. He then said that because I did n't have a fax machine the only way to receive them was by overnight mail! I happened to be accessing my bank account at the same time and realized that even though the agreement I made with the set up payment beginning XXXX/XXXX/16 and then on the first of each month thereafter, that I had already been charged for a payment! This is my second issue. My credit card was charged on an occasion OUTSIDE of the agreement that I made with this company. After all this, they still could not confirm that even though I had already made a payment that I will not have my wages garnished because of a problem they created. I spoke with a supervisor and she mailed me the documents immediately, but I still do n't have confidence that I will not be garnished.
This car was a lease returned on time with approx. XXXX miles over the cap. Should have owed $ XXXX {$180.00}. The dealership said not to worry about it. 
Now GMAC is reporting a $ XXXXpast due balance on my credit report
Re : XXXX XXXX XXXX, Account # XXXXI was a victim of a personal check fraud. When I was finally able to resolve the issue with the collection agency and submit the deletion letter to Experian via its online system, within an hour I have received an email stating that they have verified the account and it belongs to me. I have a deletion letter from the collection agency stating that this account has been closed due to fraud. I am just asking Experian to review the information properly and remove the account from my report.
I have excellent credit with a credit score over XXXX, no delinquencies, no current balances, as I pay off my balances each month, and yet every time I apply for an XXXX XXXX card -- which is through Barclay 's Bank -- I am denied. I have a XXXX Barclay 's card with an excellent history, so I sent an online secure message to Barclay 's, which they not only refuse to address, but also refuse to escalate the matter to the corporate office. I am sick and tired of being treated like garbage by these banks. They lie, cheat, and steal from loyal customers, which is completely inappropriate, especially with customers with as excellent payment records as I have. I deserve an explanation in writing as to why this keeps happening, and CFPB has a responsibility to see that these issues are addressed in writing, not just blow off complaints by merely sending a copy of the bank 's lame response to the complainant.
On   XXXX   XXXX   XXXX     while reviewing my account with  Bluebird ( American Express )  I noticed a few transactions that I did n't authorize a ATM withdrawal of {$320.00}, an online purchase from  XXXX  of {$1.00} and an online purchase from  XXXX  for {$50.00} with all atm fees it totaled to be {$380.00} in unauthorized charges, I contacted  Bluebird via letter as in structed and immediately canceled my card. On   XXXX   XXXX   XXXX     at  XXXX  I recieved an email stating Hi  XXXX   XXXX   , We received your dispute for the transaction below and are currently investiga ting it. Well send you another email with in 10 business day s with more information, including whether or not were able to credit you for the charge.     Disputed Transaction Details : Transaction at  XXXX    XXXX   XXXX   Amount {$320.00} TransactionDate   XXXX     Questions? Call us at  XXXX  were available  24/7.      Thanks, The  Bluebird Team T han on   XXXX   XXXX   XXXX     at  XXXX  (  1 minute  later ) I received this email.   Hi  XXXX   XXXX , Recently you inquired about your charge  ( s ) from your American Express Prepaid Card in the total amount of {$380.00}. Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized. Therefore the transaction ( s ) is not eligible for credit to your Account.      You have the right to review any documents we relied upon in making our determination.      You may request this information by writing to us at the following address : American Express Attn : Account Protection Service MC  :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , UT  XXXX  Thanks, The  Bluebird Team Than on    XXXX   XXXX   XXXX     at  XXXX  Hi  XXXX   XXXX    ,   During a recent review of your Account, we noticed activity that was in violation of the  Bluebird Memb er Agreement, section :  22D Due to the violation  your Account has been locked and your Account privileges have been suspended.     If you have any questions, please call Account  Protection Services  at  XXXX .     Thanks, The  Bluebird Team They did n 't investigate in less than a minute, and would n't give me a reason as to why it was n't even looked into.
XXXX out of XXXX of my addresses are correct, # XXXX is incorrect, I am from XXXX and that # 4 address is from XXXX, found at credit report from EquiFax, employment History is correct. 
I think, someone else used my identification, I would greatly appreciate in advance your great support. 
XXXX.
Account was paid in full ; however, XXXX XXXXXXXX never followed through with the removal of tradeline in exchange for full payment. According to the The Fair Credit Billing Act ( FCBA ) of 1974, 807. False or misleading representations [ 15 USC 1692e ] ( i.e. section [ 7 ] The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer ). These two companies must be accountable not using the fear tactics debt collectors are known for applying.
My account right now is in deferment. I have been making payments and I noticed my overall amount I owe has gone up. I looked into it and saw they upped my interest rate to 10 % on my lower loan. I had no idea. My loans are in deferment because I 'm currently in school and they increase my interest rates during this process. These rates are so high I will never be able to afford these and they did all this as my loans were in deferment, making all the money I have been putting down completely pointless. They are trying to make this impossible for me to ever pay back. They can not increase my interest rates whenever they like to such high amounts that I cant even afford anymore.