WillisBack/dataset-financial-user-claim huggingface dataset:
I pulled a copy of my credit report and noticed that there were 2 companies. 1.XXXX XXXX XXXX-REPORTING 20-LATE PAYMENTS. 2.XXXX XXXX-REPORTING 60 LATE PAYMENTS- listed on my credit report and they were reporting several late payments in which i disputed this information with the original creditors and noticed that transunion is still reporting these late payments on my credit report. i also send the credit bureau a letter certified requesting that they provide me any documents they have on file from the original creditor but instead my request and my letters have been denied regarding alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY XXXX XXXX AND THE FCRA STANDARDS OF REPORTING, are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and or civil rights, making liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least $ 1,000+ per still unproven, untrue, inaccurate, untimely, incomplete, or elsewise not compliant item reported that is hereby now being challenged in writ composition legally a consumer compliant notice in demand for a check for compliance and further irrefutable evidence to such a claim.
Ditech Mortgage filed Foreclosure on our home in Maryland. We requested a Reinstatement Quote and received the amount on a letter dated XX/XX/2016. The quote was effective until XX/XX/2016. A Cashier Check was sent in the quoted amount. Cashier Check was received in the Law Office on XX/XX/2016 then sent via overnight and received at Ditech on XX/XX/2016. It took Ditech 5 days to tender the check and now they are stating that only a portion of the funds where received. Point being, you ca n't cash only a portion of a check. It is everything or nothing. They have been incompetent thru the whole process. Now they want more money than the Restatement Quote was given to us. 

We need help to deal with these people. Even their attorney 's are very frustrated at their lack of response in this matter. We suspect they are deliberately manipulating the situation to take advantage of our misfortune. 

XXXX XXXX XXXX.
Credit Reporting a gency has been reporting a debt collector named  XXXX    XXXX     XXXX   XXXX ,  2015 . I have made several attempts to have them verify this accout including documents to support this debt. They have failed to provide proof of debt. Please provide proof of debt. This is a violation of my consumer rights.
PayPal Credit Card charged me a {$35.00} fee on XX/XX/2017 for a late payment. On XX/XX/XXXX, I tried 4 separate times to make a payment through their website, was told it was " unavailable for maintenance '' after logging in. The automated phone system rang busy for 15-20 minutes at a time. I was able
I received a letter from McCarthy, Burgess & Wolff ( A Collection Agency ) dated XX/XX/18 stating that I owe the amount of {$1600.00} to XXXX XXXX. Well, I have NEVER had an account with XXXX XXXX. 

I tried calling the phone number on the letter ( XXXX ext. XXXX ) to reach a XXXX XXXX, but that number was for a completely different company ( XXXX XXXX, I think ). It was NOT the phone number for the collection agency. Obviously, something is very fishy. 

I just sent a letter to McCarthy, Burgess & Wolff explaining that I never had an account with XXXX or XXXX XXXX. 

The account number they gave me : XXXX Reference # : XXXX
Navy Federal Credit union does not want to connect with XXXX XXXX account. If tells me my login info is incorrect but it 's not
I had a complaint going on through the CFPB and the problem had not been solved yet by my payment due date ( XX/XX/XXXX ). So I called Navient on XX/XX/XXXX. This was the earliest I could call because they are closed on the weekends. When I spoke to the Navient associate, I explained to them that I did n't want to be late or charged a late fee with my complaint going on. She said she could take care of all my issues. She said that she would get me on a no interest plan for 12 months, but that it would not get completed until XX/XX/XXXX. So she was going to put me on a forbearance for 30 days so this payment would not be late. Attached is the email I received stating that my forbearance was approved and that it was not due until XX/XX/XXXX. On  XX/XX/XXXX, I received another email stating that my payment was late. I called Navient on XX/XX/XXXX to get this problem fixed. They told me that they see the email was sent to me but the forbearance was not actually put through. This shows how they openly lied to me and did n't fix any of my problems. I was also told on XX/XX/XXXX that I would not have a problem getting on the no interest plan but I was informed through my CFPB account that Navient said I had already been on it and could not be on it again. While I was on the phone on XX/XX/XXXX, I asked the Navient associate when I was on that plan and they were  not able to give me any information on it. They were finally able to get me on a rate reduction plan, but I still had a.lot of issues doing it. I was lied to multiple times. The phone calls are also recorded to prove it even more than my emails. I was unable to pay many XX/XX/XXXX bills, and I am still behind on my XX/XX/XXXX bills because I had used the money I thought I had to get my car fixed, but I was then forced to make a payment in XX/XX/XXXX because they had messed up, not me.
CNAC requires payments every 2 weeks but they report monthly and the monthy amount is incorrect. They also reported a payment in XXXX of XXXX even though I returned the vehicle in XXXX of XXXX.
XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX   XXXX / XXXX / XXXX  DOB   XXXX   SSN Report #  ( r eport enclosed ) Attention :  XXXX ,  XXXX ,   XXXX   I have recently acquired my Credit Report. After carefully reviewing its contents, I have found some inaccurate information that the credit report details.   Item Disputing :  XXXX   XXXX   ( REF  #  XXXX  ). This is not nor has ever been my account. This has caused me financial harm, please delete immediately.   Please investigate the accounts listed, under the provisions of the Fair Credit Reporting Act  ( FCRA ), 15 USC section 168li.  A period of 30 days shall be " reasonable time '' to investigate the accounts in question, unless you notify me immediately otherwise. Failure to verify the above information within the 30 day time period constitutes " non-verification '' and the accounts in question must be immediately removed from my credit file and credit report according to  15 USC section 1681i ( a ) Also, 15 USC sections 1681i ( d ) and 1681j o f the Fair Credit Reporting Act require that I receive written notification of the updates, an up-to-date credit report ( at no charge ), and that an up to date credit report be sent to anyone who received my credit report within the last six months.   If you have any questions regarding this matter, or, if you are having any difficulties completing this task, please contact me using the above information.     Please take note and govern yourself accordingly. Thank you for your cooperation.   Sincerely,  XXXX   XXXX
This case was closed by CFPB and it has not been resolved XXXX. 

Wells Fargo has put a provisional credit on this account. They have not given an explanation to me why it is taking them since XX/XX/2018 to fully resolve this. They are still looking into it. 


This case needs to stay open until an explanation is given. 

Also I still feel that I need to be compensated for all my time that has been put into solving this problem. Long wait times on phone ... Long wait times sitting in the branch. People at the ATM division that can not seem to fix a simple problem. 

XXXX XXXX XXXX
I received a debt collection letter XX/XX/XXXX for a debt from XX/XX/XXXX. This was the first I was ever notified of an outstanding debt, despite living in the same house until XX/XX/XXXX. I called CFSI to dispute the debt, and was treated very rudely and told to pay the debt. I requested CFSI verify the debt and the phone rep hung up on me. I called the original creditor, and was informed they did not show any outstanding balance or debts. I sent a certified letter to CFSI relaying this information and again requesting they validate the debt. Within three weeks of the date on the notice from CFSI they have already contacted the credit companies, yet not contacted me to confirm or deny the validity of the debt. There has not been any attempt to settle this matter, they are using strong arm tactics to get money any way they can. This is not right, and I will seek legal representation to protect my rights.
Paid off a loan back in XXXX 2015 and the bank did not release the lien on the property. Now I 'm trying to obtain a new loan and I ca n't get anyone at BB & T to help.
I contacted  XXXX   XXXX  after noticing that this alleged account was removed  THREE  TIMES in  XXXX  - specifically  XXXX   XXXX  and  XXXX   XXXX ,  XXXX , and  XXXX   XXXX ,  XXXX . This collection agency has reinserted themselves back as Credit Bureau  of Lancaster,  to which I never got the 5 day notice &amp; this is a FCRA violation. I have asked them for my contract with them and they have failed to sufficiently verify the alleged accounts, which they sent me different bill print outs ( not original ). They have also failed to provide my contract and signature with them because  XXXX   Hospital  does not have these records, and was referred to contact  XXXX   XXXX   XXXX  who handled some old accounts according to  XXXX  Hospital, they too have no records. Today,  XXXX / XXXX / XXXX  - I called  XXXX  today and spoke to a rude representative who stated that they could not give me information on the account. My calls are ALL recorded, and available upon request.
I am currently current on my mortgage payment and this company keeps returning my payments to me and not applying the payments to my mortgage. They have me owing for my mortgage from XX/XX/XXXX to XX/XX/XXXX and I have paid these payments and they keep returning my payments weeks and months later, making it appear as if I am behind on payments by months, all the while threating to illegally forclose on my home, with multiple certified letters and mailings! I have spoken to different agents in this company and all give reasons that make no sense whatsoever as to why my payments are being returned. This company has XXXX of complaints against them in regards to sketchy practices.. OCWEN Mortgage is the company. I have all my bank statements proving I have sent the mortgage payments. I will be seeking legal action against this company if they continue to send my mortgage payments back as I truly feel they are trying to illegally take my home. There is no plausible reason why I have paid my mortgage and my payments are being returned unless there is some underlying scheming going on! 


Sincerely
I GOT APROMOTION AND IT WAS A WEBSTER BANK BONUS OF XXXX OR XXXX DOLLARS DEPENDING ON WHICH REQUIREMENTS YOU COMPLETED AND COMPLIED WITH.EXHIBITS SHOW WHAT THEY WERE AND SIMPLY ONE HAD TO OPEN ANY TYPE OF CHECKING ACCOUNT AND EITHER HAVE A DIRECT DEPOSIT, HAVE XXXX DEBIT TRANSACTIONS, OR XXXX BILL PAY FOR XXXX.IF ONE WISHED YOU COULD HAVE A FULL SECOND AVERAGE MONTHLY DEPOSIT OF XXXX FOR XXXX XXXX CARD BONUS MAILED IN 4 TO 6 WEEKS AS THE WEBSTER BANK PROMO PAGE SHOWS AS AN EXHIBIT..OR FOR THE FULL SECOND MONTH HAVE AN AVERAGE BALANCE OF XXXX AND RECEIVE AS ABOVE XXXX BONUS IN THE SAME TIMETABLE. 
I, AS MY BANK STATEMENTS SHOW, MET ALL REQUIREMENTS FOR THE XXXX BONUS BUT NEVER RECEIVED IT.TO MY SUPRISE AND SHOCK I DID RECEIVE A XXXX INTEREST STATEMENT, AS WELL AS THE IRS GETTING A COPY, THAT I GOT OVER XXXX DOLLARS IN INTEREST.I NEVER RECEIVED THAT AMOUNT, PERIOD, AND IT IS TOTALY INCORRECT AND HAS TO BE REDONE.MY TOTAL INTEREST AS MY BANK STATEMENTS SHOW WAS XXXX CENTS, PERIOD.I HAD PROBLEMS OPENING THE ACCOUNT, NOT WITH THE FIRST PERSON I TALKED TO, BUT, THE CONFUSED SECOND PERSON, AND HE FINALLY APOLOGIZED AND HIS NAME AND A RECORD OF THE SITUATION AND WORDS IS INCLUDED IN AN EXHIBIT. I BEGAN BECOMING APPREHENSIVE AT THIS POINT, BUT WAITED TO SEE WHAT WOULD OCCUR AFTER I COMPLETED ALL REQUIREMENTS, FOR THE {$250.00} BONUS WHICH WAS DUE ON XX/XX/2016. THEY STATED IT WILL BE IN 4 TO 6 WEEKS .NEVER GOT ANYTHING AND CALLED AND WAS PROMISED AN EMAIL THEY SUPPOSEDLY SENT TO FIX THE PROBLEM AND NEVER GOT THAT EMAIL AS I REQUESTED OR ANY RESPONSE AT ALL.I THEN SENT ON WEBSTER SITE, AN EMAIL THAT IS AN EXHIBIT AND WAS CONFIRMED THEY GOT IT AND STILL HAVE NOT HEARD A SINGLE SOLITARY WORD OF ANYTHING TO DO WITH THE BELATED BONUS OR THE INCORRECT XXXX.
EQUIFAX Placed an Unauthorized Hard Inquiry on my credit report without my consent from " Factual Data Inquiry from XX/XX/2018 ''. 
I personally called the Equifax consumer support to remove this Hard inquiry as i personally have not authorized anyone to pull the hard inquiry. 
They irresponsibly reply that they can pull hard inquiry when ever they want and that the consumer can not do anything about it. I did specify that what they did is not authorized per the financial laws, and the customer support representing equifax did not see to care and I did ask them where do i file complaint against EQuifax and they casually replied do a XXXX search. They did not give me this website ( XXXX ) information. 

Please help to work with Equifax to remove the hard inquiry on my report as Equifax doesnt seem to care and playing hard to work with consumer.
My husband died from XXXX almost two years ago. He dealt with everything financial during our 40 plus years marriage. After his death I discovered he opened some accounts in my name. Once such account was a CitiBank Credit card. I diligently disputed all fraudulent accounts under the FCRA with the credit bureaus and filed multiple complaints with the CFPB. Thankfully all the matters were resolved. The CitiBank card in question was removed from my XXXX credit report on XXXX/XXXX/2015. For some unknown reason, Citibank just assigned the same card to XXXX XXXX to collect, who has been attempting to collect the debt. I previously completed and uploaded a Federal Trade Commission Identity Theft Victims ' Complaint and Affidavit, which was signed at the XXXX County ( Maryland ) Police Station located at XXXX XXXX XXXX XXXX XXXX, Maryland XXXX.
About two years ago I took out a loan from moneymart. I was unaware these types of loans are illegal in Arizona. I have paid thousands in interest At a rate of more than 100 %. The statutory maximum in Arizona is 36 %. The lending disclosure forms clearly show the interest rate is more than 100 %. Since this loan is illegal in Arizona I would like the remaining balance to be voided. I have paid back the original loan and a large amount of interest.
I was referred to XXXX by XXXX XXXX who I found committed fraud and being investigated by the XXXX XXXX XXXX. XXXX XXXX XXXX or XXXX  XXXX started this whole fiasco, they never paid XXXX and they never placed me in a student loan debt forgiveness program. They did not re-certify me in the Pay as you earn. I struggled to find the right repayment program. I finally found one and XXXX refused to accept the program and told me that I had to pay the amount {$250.00}.
We were late on a membership fee to our timeshare with XXXX XXXX but have since paid what was due to XXXX. An outside collection company called Aspen National Collections which we have no business affiliation with, keeps harassing us for some fee they trumped up of {$53.00} for their services. We do not know who this company is and have advised them multiple times to stop calling us. They continue to harass.
my name is XXXX XXXX i live at XXXX XXXX XXXX XXXX XXXX XXXX md XXXX eqiurefax as me down as XXXX XXXX XXXX XXXX XXXX XXXX marylandXXXX and says i owe comcast {$220.00} comcast says it is not my account and i no this and eqiurefax will not remove it evevn when i have proof i donot owe any one any money please help me as this is messing up my credit i have a letter from comcast saying that i donot owe them anything
A hard inquiry was done by Equifax, XX/XX/2016, it was concluded that it should not have been done., the company. Sent documents to all XXXX CRA 'S showing inquiry should be deleted. Equifax has not removed it yet. XXXX and XXXX have. Document from company was sent to verify removal to Equifax, they said they need a call or electronic submission, they said it was their policy. I want the inquiry removec
I did a dispute with the equifax. I was living with my parents as a XXXX under the age. I was living with my mom 2 to 3 years prior to this company reporting on my credit when I became of age they told me I had to go on the lease as a tenent and was only XXXX they said even because I was staying there I was not paying rent and was a XXXX XXXX still in School. They attached the balance of the bill on my credit report this is affecting me to get a place and continue on with my life, They attatched this reporting to my moms credit as well and she is the responsible Party. I do not believe I should be held accountable for this bill Im just trying to start off and it has effected me greatly.
COMPLAINT ABOUT NATION STAR. 
XXXX Banks are involved in this problem ( XXXX XXXX XXXX and Nation Star. ) First complaint submitted about XXXX XXXX XXXX. This is a copy about Nation Star. 
We had difficulty paying our home mortgage and sold the house on short sale 2013. The mortgage was with XXXX XXXX XXXX. XXXX XXXX XXXX approved the short sale and accepted the proceed for full satisfaction of the XXXX ( first and second ) mortgages on the property. We have all the documents to that effect. 

The second mortgage is entered in my credit report as a debt that I am owing. It is showing in XXXX XXXX and XXXX that the debt was transferred to another lender. In the same report it is stated that the debt is legally paid in full. 
Nation Star entered it as a delinquent mortgage. 

It appears XXXX XXXX XXXX sold the mortgage after accepting the proceed from the short sale as full settlement. XXXX XXXX XXXX and Nation Star are in collusion in these transactions. 
These XXXX derogatory entries in our credit report are adversely affecting our credit rating seriously. As a result we are having great difficulty getting a mortgage to buy a home. This is causing us serious pain and distress..
On XXXX XXXX, 2017, I disputed the account listed on my credit report as ONE MAIN. I contacted this company, as I was unfamiliar with it nor have never had an account with them. I was informed that they are a company that bought Springleaf Financial. This situation is two fold. ( 1 ) I have never entered into an agreement or contractual obligation with One Main. ( 2 ) This account is reporting both open and  closed, as it should not be open, as I have not agreed to any payment terms or agreement with this company. The company has also failed to validate any contractual agreements between myself and this company. My XXXX and XXXX credit report both report different payment amounts, however, they both show closed but is still reporting late payments. On my XXXX XXXX report, where the dispute was initiated, it shows that the account is open.
On XX/XX/2018, I went to XXXX XXXX located at XXXX XXXX XXXX, XXXX, TX XXXX. I was told by XXXX, the lady at the desk that it would be easy to finance the purchase through acima financing, that way I could pay off the tire in three to four months and my payments would be around {$41.00} dollars each payment. Little did I know that I was signing up for Leasing those four tires. XXXX   did not disclose at any time that the tires were for a Lease/Rental. XXXX told me that acima would be sending a email for me to sign. Little did I know that it was Rental/Lease Agreement. Of course it's on my phone which is smaller. Personally, I have always thought, who would be XXXX  enough to Rent tires. Evidently, I did and did not know until the payments of {$41.00} seem to extend beyond the three to four months which XXXX had explain to me. I thought to myself, those tires should be paid off by now. I called acima in early XX/XX/XXXX, who informed me that I had signed a lease with a 90 days option plan to purchase the tire and that the sales person should have disclosed that this transaction was a Lease/Rental and that she would get the acima to call and let them know. I think this has been done before to other may not have understood what they signed. I can't believe I had gotten taken. I  work at a bank in the loan department and should have esign the paperwork. By this time the tire were already on my car because the email arrived much later in the evening after the work was completed. At the time there was not any signage inside or outside the store that that specifically states you can Lease or Rent tires. XXXX, made the sale, but failed to disclose that my transaction was a Lease Rental of tire. acima informed me that unfortunately I should have paid the tire off withing the first three to four months and that I still owned over {$620.00}. The Lease/Rental of the tires will cost me over {$1000.00}. There is a small brochure which states " No Credit Needed '' 90-day Payment Option with an Easy Payment Guide which tells how much your payments will be. This Brochure regarding payment terms is inadequate. Whoever sales you the merchandise, should be required to state that the transaction is a LEASE/RENTAL OF MERCHANDISE. In no way was these word ever use. This is clearly a deceptive practice among retailers such as this as there were many compliant on acima once I google it.
Previous inquiries related to fraud, which the accounts were closed and removed from my report have been reinserted. 

Recently I got hit by like 4 applications of credit for car and I am not able to get hold of someone on the phone they keep transferring from one place to another just spend 4 hours on the phone and still I was not able to talk to someone. 

XXXX Inquiries that reappear : XXXX Date Filed XXXX/XXXX/XXXX Type BankXXXX and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address PO BOX XXXX XXXX Date Filed XXXX/XXXX/XXXX XXXX XXXX and S XXXX XXXX Phone Number ( XXXX ) XXXX Address PO BOX XXXX XXXX fraudulent inquiries XXXX obtained a copy of your XXXX Credit ReportXXXX XXXX, XXXX XXXX XXXX XXXX XXXX obtained a copy of your XXXX Credit ReportXXXX XXXX, XXXX NEW! 
XXXX XXXX XXXX obtained a copy of your XXXX XXXX XXXX XXXX, XXXX EQUIFAX XXXX. XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX Date Filed XXXX/XXXX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX CARD Date Filed XXXX/XXXX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX CARD Date Filed XXXX/XXXX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX Date Filed XXXX/XXXX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address PO BOX XXXX XXXX. XXXX CARD Date Filed XXXX/XXXX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX XXXX De XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX. XXXX XXXX from XXXX XXXX, XXXX
I was involved in the Equifax Data breach in 2017. I have already received calls from various potential lenders trying to follow up on my recent credit application, which was n't submitted by me.