WillisBack/dataset-financial-user-claim huggingface dataset:
I have an active account with XXXX. I have been with them for XXXX years. Recently, I cancelled my phone services because they charged me huge amount on long distance call when I did notify me of a promotion extension. I called them and them told me I owe {$270.00}. I made payment arrangements with them. 

About XXXX weeks ago, I got a call from credit control corporation about the same debt. I informed them that they were not valid debt and XXXX had advise me to make the payments with them directly. Another representative called me on the XXXX and I told her the same and she said that 's okay, she will go ahead and update the account accordingly. 

On XXXX/XXXX/2015, I got an alert in the evening that it has been reported on my account by Credit control Corporation after I made payment to cox in the Morning. Attached is a proof of my receipt from XXXX for the payment. 

First, of all, I disputed this charge with credit control corporation XXXX on the phone and requested that they send me something in writing. Informed them that XXXX has told me to make the payment with XXXX directly and did not even know why they had my file. Yet they still went ahead and placed this on my credit dropping my score from XXXX to XXXX. I am in the middle of buying a house and I am not sure on how this will impact my final closure or rate. 

I called them after their illegal action. They told me I need to pay a collection fee of {$45.00} and extra {$7.00} processing fee, even though they did not collect anything and I made the payment of XXXX to XXXX. XXXX told me they have requested the account to be transferred to them direct. As a proof, I went ahead to pay them the collection fee as evidence of their bad practices. 

I called XXXX and asked them why did they tell me they have no knowledge of my account being sent to the collection agency when I contact them to let them know about the initial attempt and they also advised me to ignore the collection agency and make payments with them and failed to communicate this with the Agency. 

This has affected my credit and I need them to be held responsible for this! 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( M ) XXXX ( O ) XXXX ( F ) XXXX XXXX XXXX, XXXX Ext. XXXXXXXXXXXX
Allegedly Portfolio Recovery Associates claims they have sent me notifications in the mail about a debt that happened 9 years ago, I have n't received such notifications. They have started calling me while I am at work. Once on XX/XX/2017 at XXXX EST and once on XX/XX/2017 XXXX EST. I then called back and asked if they would stop calling me until after XXXX, the woman on the phone was persistent about the debt, and would n't let me speak. Things escalated and the conversation was getting heated until I pleaded that they contact me after XXXX, she rudely agreed to and sarcastically wished me a nice day. 

I am concerned they have my work number and not just my cell phone number. I want this to stop before it turns into full on harassment. I intend on sending a cease and desist letter that states my rights under the fair debt collection practices act.
I have tried to fix my credit due to fraud and keep having issues with someone trying to use my identity to apply for credit cards. 

I have new inquiries that were not made by me. 

Transunion- XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX & XXXX, XXXX. 

XXXX  - XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX & XXXX, XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, and XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
On XX/XX/2018 XXXX  removed Capital One Auto Finance ( " a good standing account '' ) from my consumer file in which it was not part of my dispute.
I wrote Experian a dispute letter on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  and they have failed to se nd ONE Response letter. FU RTHERMORE, they have stopped providing me reports on my credit monitoring. I ca n't even see my Experian report anymore after I disputed with them. Sounds like they are punishing me for disputing their incorrect information!
federal tax lein that does n't show paid or released. 
state tax lein that does n't show paid or released. 
collection account that i have no knowledge ( no contract ) of from XXXX.
Hi, Wells Fargo incorrectly reported my payment status in XX/XX/XXXX, and again in XX/XX/XXXX. They are reporting my payment as 30 days late, when I paid my XX/XX/XXXX mortgage on XX/XX/XXXX, and I paid my XX/XX/XXXX payment on XXXX, and Wells Fargo reported both payments as 30 days late, my mortgage is due on the XXXX, so by normal math mother payment was 30 days late. I called wells Fargo in XXXX to dispute the XX/XX/XXXX report, as I'm trying to secure an equity loan, and they came back and it was reported correctly, even though they confirmed and my bank account reflects the payment being made prior to being 30 days late. I'm now afraid to dispute the XX/XX/XXXX report because they put comments on my credit report that I disagree. I need help, their inaccurate reporting is messing with my credit and my ability to secure an equity loan.
I purchased several items with XXXX and opened an account with XXXX. I've had several issues with this credit card company. They are very focused on charging additional fees and not working with customers to pay off their balances. The latest issues I had with them are : 1 ) A late fee that was assessed on my account even though I tried to make the payment on the due date but received an error. I paid the very next day and then called to explain the situation but received no assistance at all. 

2 ) A Promo finance charge : I was charged a promo adjust fee on an item where I was led to believe that the monthly payment calculations are calculated with the promo period taken into consideration so if you make you payments regularly you should be to take advantage of the promo but it turn out to be that when you buy several products the monthly payment is calculated off the balance only.
When entering my routing number from my checking account to pay my loan payment, I was off with one digit. I never received any email or correspondence saying the payment was n't received. Three months later, I applied for a used car loan and noticed that my credit score had dropped almost 200 points. I did the research and found the problem was with U.S. Bank. After contacting them, they were no help whatsoever. They said that I had 3, 30 day late strikes against me because the payment that I " thought '' I had made, was just moving to the following month, and so on. If I had not contacted them, I would be in a horrible position because they never even tried to let me know.
I have been dealing with Sallie Mae, now Navient, for the past 14 years regarding repayments. They have forced me to refinance at higher rates than the supposed fixed rates that I borrowed at. They have also reported me to multiple collection agencies for the same loan that went into default. I finally settled with one company and paid it back for a lesser amount in total. Now they have sent that same loan that I settled to another debt collection agency and they're trying to extort more money out of me. I am current on all other loans with Navient.
On XX/XX/XXXX, I requested a validation letter regarding the alleged debt. I have not received the letter. They continue to send me a payment plan. 
On XX/XX/XXXX, I contacted the original copy of the alleged debt and they informed me that the debt was sold to a different company than the one I continue to receive calls from. 
On XX/XX/XXXX, I sent letter via email to the company requesting a validation letter showing that they now owned the alleged debt or was a representative of the company that owns the debt. They continue to refuse and argue that they are going to garnish my wages or take me to civil court.
Wells Fargo and my household entered into a relationship in XX/XX/XXXX. It began with a small amount of accounts and grew into a larger relationship with three HELOCs, several mortgages, and 22 bank accounts as well as multiple brokerages. There are also 5 credit cards involved.

This banking relationship lacked one primary banker. Instead, I was forced to deal with over 20 different bankers. 

Problem is that aggressive sales tactics created a complicated web of replica accounts leading to issues about making bill pay simple. One example of the abuse is that a property tax payment designated to go out wrongly drew from the wrong default bank account. This problem was because of the multiple accounts and Wells chancing their web site so that the older defaults were no longer in place. 

I wrote to XXXX XXXX in XX/XX/XXXX to ask for his help to resolve the complaints. 

Wells Fargo and I have attempted to mediate the claim three times. Yesterday was the third time. They claim it is non-binding mediation and the mediator last year, based on three accounts, said they should pay {$2300.00}. 

Yesterday, I inquired about the payment. They said because I had additional issues, and turned it down, that they did not know to send. " XXXX '' the representative for the bank, did not tell me her role with Wells or her last name. She assured me that there was no releaser to sign and that I had the right, even if I accepted this money for the account ( my XXXX year old son 's account ), that I could still pursue my other claims. 

Well, I need the CFPB to simply get the {$2300.00}. And I need the CFPB to insist they mediate on the mortgage and HELOC issues since they said the current mediations did not encompass brokerage or mortgages.
This loan was paid in full in 2013. Acct. # was XXXX. It was never reported as paid in full or closed. Tried to call the bank but line is always busy.
XXXX. I payed them literally over a year ago and they still have my account as delinquent.
Funds for a credit card payment where pulled and it was in amount XXXX over the amount owed on the card. I called Synchrony bank to get that money refunded back to my bank because the balance on the card was XXXX when the money was pulled leaving a negative balance on the card of {$350.00}. They refused to send it back to the bank and stated that they can only mail it through physical check even though all transactions up to this point have been electronically. I stated that I 'm currently homeless and that I do not have a physical address to mail it to. I then offered for them to mail to the bank and they stated that they ca n't do that either. I was told that their policy is not to send any fund electronically as it pertains to its consumers even though over XXXX % of their business is throuugh electonic transfer of money. The Credit Card agreement did not stipulate that funds had to be sent directly to a physical address for the card to be used.
I recently started the process of rebuilding my credit and notice that I had a five hard inquires, dated from XXXX through XXXX, that I did not conduct. It seems as if someone was trying to obtain several credit cards in my name without knowing I do not have a typical credit profile.
XXXX XXXX DOB XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX I am writing to request a correction of the following information that appears on my credit report. 

On XX/XX/XXXX I sent validation letter to all 3 bureaus asking for them provide me with proof of collections that they are reporting belongs to me. I ask them to provide me a contract showing my signature and the agreement. They sent me letter stating the debt was verified but did not send me proof of a signed agreement with the collection agency. 
XXXX : XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$220.00} Equifax : XXXX {$1000.00} XXXX XXXX {$1600.00} ( did not provide me proof of signed HIPPA ) XXXX : XXXX XXXX {$1000.00} These account should be needed because I do not have an agreement or contract with them. They are reporting incorrect information.
On XX/XX/2018 I called Experian - ( Credit reporting agency ) to ask them what I could do to increase my credit score. They helped with a few things, but one thing I had issues about. They told me a big part of my credit problem was caused by my credit cards. They told me that my credit score was being lowered because of the outstanding balances on these credit cards at the end of the month. They told me that the balances on these credit cards at the end of the month were to close to my credit limit. I explained to them I pay on these cards every month, I use these cards every month and was told by the credit card company 's the more I use the cards the better my credit score would get. I said, I have your credit report right here, It shows that everything is up to date & no late payments anywhere, yet you tell me that this is hurting my credit rating. He said, yes. Then he explained to me that if I would get another credit card and use it to lower the my outstanding balances on my other credit cards this would really improve my credit score. He said this is the way it is done, is there anything else I can help you with. I said no. He said, goodbye. 

Now my complaint is this, None of my credit card company 's warned me about this. I was never told that by using the credit that they were providing, that this would hurt my credit score. The main thing that even makes this even worse, The credit card company 's are supplying Experian all the information on your credit cards. How & Why can your credit card company 's supply all this information to Experian knowing that this is hurting your credit score? They knew that it would hurt your credit score, yet there was never any warning given to the card holder. Can this be fair to the American people? With this system they can adjust your credit score any way they please. " With out warning '' The credit card company 's should have to give some kind of warning or not give out all that information. Why tell them what your credit limit is? None of there business. It is suppose to be private between you and your lender.

Ok, lets look at a scenario - I go into a bank to get a loan. I explain to the banker why I need the money. We discuss how much? I tell him {$5500.00}. The banker looks everything over and tells me the most he can loan me is {$5000.00}. I say, that will work. I get the loan. I am making all my payments on time and everything is working great. Now, The bank calls Experian, tells them I borrowed the full amount that I could borrow. Not 50 % or 60 % of the money, 100 % of what they could loan me. I check my credit score with Experian, it went down, this is because I borrowed the full amount I could from the bank instead of just part. This is what is happening. I want to know " IS THIS FAIR TO THE AMERICA PEOPLE ''? Is it fair to let Experian & credit card company 's working together to do what they want with your credit score?

I was brought up old school, I get a loan, I make my payments and my credit score goes up, not down. Your credit score goes down when you miss your payments or are late on your payments.
On XX/XX/2018, I received a letter from XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, MA, XXXX ) about my mortgage loan number XXXX, responding to an Automated Credit Dispute Verification ( ACDV ) for my loan accounthrough the XXXX  credit reporting system. 
Upon reviewing the loan account by the XXXX XXXX compliance Department, it has be determined that the credit was legitimately reported to the Credit Reporting Agency. 
There are no surprises- I do not think they will claim otherwise even though the admitted that the second mortgage account I have with XXXX XXXX was corrected per dispute request.

I was angry, and I sent I believe an inappropriate massage blaming them for wrong doing. 
I apology for my fast reaction. 
However, in that letter and in this one I am claiming that it is unfair, to send a credit report of late payment for a mortgage that is being payed automatically every month for more than seven years and over {$700000.00} payments that I was late. 
XXXX XXXX changed the payment because of interest change and did notify us on time or we did not get the notification on time, no one called ahead of time and there was no way to know. The late payment. is foe may $ XXXX. To destroy my credit report {$130.00} as compared to {$700000.00} I think is not just unjust and agravating but is insulting to the whole credit reporting system, if it is acceptable. 
I really love to see if there is a possibility of an audit for how many times the bank did the same so the customers will not be able to remortgage and the bank can take advantage of the interest change. 
I know my request may sound outrageous but it is a real possibility. 
Luckily I can pay, others may lose there home do to an unfair reporting. 

Thanks for investigating, XXXX XXXX XXXX
I started a modification in XXXX XXXX on my house, it took until XXXX XXXX to complete. the company SPS has shown me late on my payments for nearly 2 years, when I have not missed a payment since I took the loan over by myself. 

and the new company ( XXXX XXXX is n't much better!! )
I 'm having a hard time understanding how both Equifax and XXXX are violating the FCRA by not blocking these XXXX accounts within 4 business days after the receipt of my letters. I wrote last month letting them know that I 'm a victim of identity theft and that I require these items to be blocked and removed immediately and absolutely nothing happened! I sent my letter, identification, affidavit and police report and it makes no sense to me how they can just disregard this information! 

The account I 'm disputing with Equifax is : XXXX XXXX XXXX XXXX
The credit bureau did not perform a proper investigation of the account that is on my file. Furthermore, I asked them to perform another reinvestigation of the items on my credit report in accordance to the FCRA, Section 611, part B, subsection ( iii ). Please see the attached letter. They never sent me information that was required. This letter was sent to them certified.
I tried to dispute an inquiry which I did not authorize and Equifax did not allow me to dispute the inquiry.
Collection Consultants is reporting a collection account on all XXXX credit bureaus illegally. I had a medical bill with a hospital. I had a payment plan with the hospital while I was investigating the charges. I had NEVER gotten a bill that I demanded. I do not believe I owe this. I disagree that I received some services or goods at the hospital. Neither did my insurance company. Nobody ( not the hospital or Collection Consultants ) has been able to provide to me an itemization of the total bill. When I questioned this the hospital sent the bill to Collection Consultants even though I was paying them. They just stopped sending bills then Collection Consultants sent me a letter demanding the payment in full. I called. I told them I was investigating the charges and that I needed them to send me a copy of their HIPPA compliant agreement with the hospital, a copy of their assignment, and an itemization of the bill including anything that I authorized. They never provided this information. They never validated the debt in accordance with the Fair Debt Collection Practices Act. I did pay them only because I did NOT want it to go on my credit and I was assured it would be removed. The representative said at the end of my XXXX payment plan it would be removed from my credit. This did not happen. They deceived me and did not validate it. They have XXXX things I have issue with. 1- I do not believe they followed HIPPA laws. 2- They have reported this to the bureaus when they did not have a legal right do so because they did not validate their legal right to when requested, 3- they used deceptive practices to collect the debt. They promised me it would be removed.
I have been trying to get a credit report from XXXX for the past few months i have verified all my information over the phone and they keep denying to give me my report. they want me to send my personal information in the mail and i am not comfortable with that i am a victim of identity theft and send my personal information in the mail is ridiculous. I have been denied credit and based off there information and they are not sending me my reports.
Two collection accounts have just appeared on my credit report. They are from XXXX XXXX XXXX XXXX and XXXX XXXX. These should not be placed on my report! They are fraudulent! See old dispute letters!
I have contacted Ocwen several times in the past year regarding mortgage assistance. We have a balloon payment due XX/XX/XXXX, and have been unsuccessful withOcwen to help find a solution. We dont have the resources to pay the balloon payment, and the home in 'underwater ', so we cant re-finance. I have submitted the proper documents to Ocwen in a timely manner. Our most recent rejection was today. We have sixty days before the loan matures. It took less than two weeks for their decision. Because of our income we do n't qualify for a govt program, and because we still have the ability to pay our monthly payment, Ocwen wont offer a modification. I asked if the loan had to mature before they would consider a modification, and was informed that nothing could happen after the maturation date. They want us to lose our home! We have occupied this house since XX/XX/XXXX.
Huntington  bank closed two accounts of mine without warning. Money being deposited into the account was not refunded in a timely manner.     When my account was closed by the bank, I was not able to receive any information as to why after repeated calls to customer service.     Accounts were closed  X/XX/17.       XXXX  is not being returned to me from my business account in a timely manor. Due to these delays I am not going to be able to pay off my credit cards prior to the due date and will be assessed fees. I have a   XXXX   XXXX   due date on  3  of my credit cards. The funds were removed from my account on   XXXX   XXXX  . The bank refused to wire me the funds to a different account.      XXXX  is not being retuned to me in a timely manner from my personal account.
On XX/XX/XXXX, unauthorized charges at XXXX appeared on my checking account at JPMorgan Chase. The amounts were for XXXX, XXXX and XXXX. I immediately disputed the charges. My account was closed and the claim was submitted. On XX/XX/XXXX, Chase sent me an electronic letter informing me that the charges were denied and I would be responsible for the all the charges. They told me that since a debit card was used and a pin was entered, that I did not protect my card and that I was responsible for all the charges. My account is now overdrawn, closed and I am in the negative for nearly 1k of charges on my account.
I have tried but they will not provide me with my report. Also there information about me is wrong and out dated.
XXXX months, I called SLS Mortgage Servicing to find out why they were not reporting my mortgage payments to the credit bureaus. They stated that my husband and I were still in bankruptcy. We filed bankruptcy in XX/XX/XXXX and reaffirmed with XXXX Mortgage at the same time. XXXX is no longer in business and our paperwork must have been lost. 
SLS is now our loan servicer. So we wrote a letter and included a copy of the reaffirmation paperwork to SLS. 
However, we received a letter from SLS dated XX/XX/XXXX, that upon researching our account they found no errors. 
they failed to mention our reaffirmation. We submitted our reaffirmation and have been steadily been paying every month on time in full. We can not refinance we can not prove that we have been submitting payments and have no credit scores. We need them to report our payment history. We are not asking for much. PLEASE HELP US.