WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted the credit bureau in reference to some unauthorized and uninitiated inquiries in my credit file. They advised me to contact the creditor, if I did not contact them in order to establish a relationship initially why should I have to contact them to have it removed. The credit bureau broke the law by allowing false information to be reported in my file. So they need to contact them to have it removed. 
XXXX XXXX XXXX NJ XXXX I am writing to dispute the following information in my file. I recently received a copy of my Experian credit report. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX ( XXXX ) Sincerely, XXXX
I received my XXXX 2016 Mortgage Statement from Ocwen and noticed that on XXXX XXXX, 2016 they added a {$500.00} fee, listing it as Charge - Property Maintenance Expense Payment. I have never had this fee and my house is perfectly maintained so I contacted Ocwen and they forwarded it to the Research Dept. after a week and a half they forwarded me a copy of the {$500.00} invoice from XXXX which is a company within OCWEN who deals with foreclosures and other property related fees and it said date completed was XXXX/XXXX/16 and listed as : Registration Cost / XXXX and this did not answer any questions. It goes from a Property Maintenance Cost to now a Registration Cost? I contacted XXXX who advised me to contact Ocwen Property Preservation Dept. and after several transferred calls I was advised it was a Municipality Fee ... They said it came from XXXX XXXX County possibly thought they did not give any specifics. I contacted XXXX XXXX County Tax Collector, Property Appraised etc as well as the City of XXXX XXXX and all advised me that they would never charge {$500.00} and in their opinion this is a bogus charge. Ocwen tried to dismiss it as a one time municipality charge yet they will not provide any proof other then from their own company XXXX. 
I also noticed that there was a {$70.00} fee charged to the investor at the end of the month and I am not sure why this would show up on my account. They provide no answers and I want the {$500.00} fee removed immediately. 

My mortgage has always been in good standing and do not need to have false charges added to my account.
When I purchased my home I put 20 percent down but was still required to pay private mortgage insurance for 5 years. I was given an amortization schedule showing that the private mortgage insurance automaticly end after myXX/XX/XXXX payment. My mortgage was then sold to BB & T who is not following the schedule I was given at closing on the property. I have been in contact with BB & T and have been told by 3 different employees that i must continue paying thr private mortgage insurance XX/XX/XXXX. I believe thus is unfair and should not be charged extra on my mortgage for mortgage insurance starting XX/XX/XXXX..
ccording to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXX XXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for XXXX months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof
i paid my above my billed balance on my chase slate card 3 days after the due date and got assessed interest for the month. i think that this is not fair to the consumer. i have tried to contact the company and they wo n't remove the fees. i am tired of companies taking advantage of consumers. i believe that the charges should have been reversed. i have been a customer of theirs for almost 19 years. they said they never remove fees from an account. I find that hard to believe!
This account is listed late payments 90+ days on XX/XX/2017, XX/XX/2017, and XX/XX/2017. These dates were in forbearances during these months therefore these payments are not late and are current. Please update this information. I have been sending disputes on this matter for months now because this is severely negatively affecting my credit and causing me so much pain moving forward in my life. XXXX XXXX did a great job updating previous late payment disputes I had and I ask that they please do the same. I ask that three credit bureaus Equifax, XXXX, XXXX delete these late payments and update my profile
This is a follow up to my first complaint that is taking forever to be resolved. Someone named XXXX ( ext. XXXX ) Chase 's Executive Office has the audacity to leave me a message to call her back in the evening. I left her two voicemails and she has NOT called me back!!!!! I have been calling her since XXXX my time and she has not gotten back to me. She keeps on telling the rep she 's on a phone call and she will be calling me back in the afternoon. It 's getting late on side of the U.S. and she now tells me that she does n't have time to talk to me! Chase is so unprofessional that I do n't have the words to describe the pain and stress they have caused me for the last two weeks! How can someone be on a phone call for the last 5 hours!!! They are not willing to help me and I can see that already.
XXXX XXXX XXXX originally placed a Fraud Alert on my Credit Report sometime in XX/XX/XXXX or XX/XX/XXXX that I " Did Not '' Request or Order ( so I'm unaware of the exact date alert was placed ). Then when I called & had the Fraud Alert Services Be Cancelled from Equifax on XX/XX/XXXX they sent an Extended Fraud Alert Request on my behalf ( per confirmation letter ) to XXXX XXXX & XXXX that I again did " NOT Request or Order now I'm having problems getting the Fraud Alerts taking off my Credit. I didn't ask, Order or Request the Fraud Alerts be placed there by Equifax, XXXX or XXXX   and I can't get the Alerts taking off by XXXX or XXXX. Neither of these Companies are assisting me with the Fraud Alert Removal Process that I didn't even Request or Order. Equifax originally sent the Extended Fraud Alert Request to these Agencies without my permission and or authorization & knowledge.
I have been receiving calls from XXXX XXXX XXXX for some time now. They call not only the number I gave you but others as well. However since you 've asked me not to supply you with contact information in this statement I will not list them. 

They claim they are collecting from checks from XX/XX/XXXX and XX/XX/XXXX. I have asked them on numerous occasions not to call me anymore. They still continue to call me. Furthermore, not only do they call me still, they call me upwards of 10 times a day. I have printed out my call logs as proof. 

Besides the fact that they are obviously harassing me, I have also been hung up on in the middle of the conversation only to be called right back within minutes. I 've even been called by a supposed supervisor named XXXX who told me she heard the harassing phone calls and would rectify the situation. Well they never stopped. Some of the representatives who called me are named XXXX and XXXX. I never get a last name. 

At this point I am filing this complaint as I am an informed consumer. it was n't but 90 days ago where I had completed services with a credit consulting firm and they informed me of several laws regarding collections. I 've read the Fair Debt Collection Practices Act and I know that they are not allowed to harass me. Besides the fact that the debts they are attempting to collect are not legitimate as I have contacted the banks that the collection agency claim the checks originate from, I know that the XX/XX/XXXX date they gave me make the debts past the statute of limitations for suing and credit reporting. Since they have now been informed not to contact me anymore and they continue to do so they are in severe violation of the F.D.C.P.A. Please look into this as this company should not be allowed to collect anymore. Who knows how many people they have conned through their illegal tactics.
I had signed up with American Express that had incentive for dollars spent that I will get Delta mileage units. After making several expenses using the card, I had accumulated enough points to book tickets for 2 from XXXX to XXXX on Friday XX/XX/XXXX on flights XXXX   XXXX from XXXX to XXXX and flight XXXX XXXX from XXXX to XXXX for 2 passengers. However, due to personal reasons, on XX/XX/XXXX, I went online to cancel my flights, but DELTA will apply {$150.00} for cancellation per ticket which I wasn't notified when I had booked the ticket several months ago. I had called the Delta rep addressing my issue, but in return they didn't take any action to provide excellent customer satisfaction to see how they can help me pay additional fees which I believe I should have not paid since they are my points and why do I need to pay back more money for points to go back in my account. They were not helpful at all and kept stating it was " according to Delta policies '' and I had mentioned about how XXXX doesn't charge for any cancellation they didn't even want to go above and beyond their competitor to retain customer satisfaction. I am very disappointed in Delta as they didn't clearly define their cancellation policies when I had booked the ticket. I found no value add at all talking to their representative as it was like talking to a robot who can't provide that customer excellence. With this event, I plan not to use American Express and Delta at all!!!
Today XX/XX/2018, I contacted a third party collection agency to set up a payment plan for a debt in the amount of about {$620.00}. The original creditor is a loan company. I couldn't get an account number but they knew who I was and verified by date of birth from the start of my call. I asked to get the account number and confirmation number and wanted to see it reflects on my credit report. I was put on hold. I was given their payment options but it wasn't favorable. I made my own terms but still given their option and asked would I be penalized for just paying what I can instead of making payments according to their plan. I couldn't get a direct answer. I was put on hold and then disconnected. I never received an account number or anything just amount and two settle plans I didn't want. I just wanted to pay on the account and receive verification and information about the account. Please help if you can. I need this debt cleared.
On XXXX XXXX, 2015, we tendered proper notice to the landlord, XXXX XXXX XXXX, to make remedy to those issues materially affecting our health and safety, as well as denying us quiet, peaceful enjoyment of the premises. XXXX XXXX XXXX, managed by XXXX XXXX, XXXX, refused our repeated requests to make remedy. On XXXX XXXX, 2015, we exercised our legal right to terminate the rental agreement, without penalty, in accordance with ARS 33-1361. Pursuant to ARS 33-1321 ( d ), the XXXX XXXX XXXX XXXX were required to refund our security deposit but failed to do so. Thus, not only did we legally terminate the contract without penalty, and delivering a thoroughly clean, scrubbed and sanitized unit for immediate occupancy, but XXXX XXXX XXXX XXXX is in debt to us for failing to refund our deposits. We do not owe XXXX XXXX XXXX ANY monies, as rent was paid current through our tenancy. XXXX XXXX XXXX accepted return of possession of the unit on XXXX XXXX, 2015.
Wells Fargo Bank is attempting to collect a debt in violation of both TILA and RESPA, in accordance with Section 131 ( f ) of the Truth-in-Lending Act, 15 U.S.C. Section 1641 ( f ), and the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ) and FDCPA pursuant to 15 U.S.C. XXXX. ( See Attached QWR and TILA Demands to Wells Fargo Bank , N.A . ) Wells Fargo Bank must comply with my TILA and RESPA demands in order for me to effectively appeal the denial of my loan modification request as Wells Fargo Bank has issued a boilerplate " Proprietary Step Rate Modification '' denial letter without any details from which to understand the basis of their said denial, nor do they provide any documentation to validate that Wells Fargo Bank , N.A . actually owns the debt. 
Specifically, I am in dispute as to the identity of the true owner of this debt ( if any ) Wells Fargo Bank 's authority and capacity ( if any ) to collect on behalf of the same. I am also in dispute about the proper application of payments from the debtor to interest, principal, escrow advances and expenses ( in that order of priority as provided for in the loan instruments ) ; about Wells Fargo Bank 's use of automatically triggered property inspections and broker price opinion charges and fees based on undisclosed accounting for purported arrears ; and about legal fees and expenses that have been attached to my account but that have not been otherwise explained, disclosed, or established to myself. 
To independently validate this debt, I need to conduct a complete exam, audit, review and accounting of this mortgage account from its inception through the present date. I would like Wells Fargo Bank to validate this debt so that it is accurate to the penny. 
I also request that the Consumer Finance Protection Bureau kindly conduct its own investigation and audit of this account since its inception to validate the debt Wells Fargo bank currently claims I owe them as Wells Fargo Bank has blatantly violated the CFPB 's rules and regulations.
This request for information is submitted pursuant to Regulation X Paragraph 1024.36 under RESPA. This request is not duplicative of any prior request for information on the referenced loan account.     We have received correspondence indicating that a certain  XXXX   XXXX   XXXX  was consulted and named as a representati ve of PHH Mortgage Corporation in  a foreclosure matter brought by PHH.     This is a QWR request for the following informa tion : 1.  Is  XXXX   XXXX   XXXX  and employee of PHH Mortgage  Corporation?    2. If so, how long has she worked there?   3. What is her official title?   4. What is her job description?    5.  What training is required for her title designation?    6.  Provide the name of the department or division she works in.    7.  Provide the name of the department or division head.    8.  Is  XXXX   XXXX   XXXX  authorized b y PHH Mortgage Corporation to p articipate in a foreclosure action?     Thank you for your cooperation and timely response.
Inquiry # 1 : XXXX Inquiry from XX/XX/XXXX - I moved into a new apartment but I specifically told them not to do a hard inquiry on my account as I instead paid a deposit and gave automatic payment banking information which they said would be enough to avoid receiving an inquiry. 

Inquiry # 2 XXXX Inquiry from XX/XX/XXXX - I do not recognize this and I was not doing any kind of activities at the time to warrant a hard inquiry. 

Inquiry # 3 XXXX Inquiry from XX/XX/XXXX - I did not give any authorization for this inquiry and do not recognize it. 

Inquiry # 4 XXXX Inquiry from XX/XX/XXXX - I did not give any authorization for this inquiry and do not recognize it. 

Inquiry # 5 XXXX Inquiry from XX/XX/XXXX - I did not give any authorization for this inquiry and do not recognize it.
I get calls several times a day from Torres credit services. Number XXXX. No one speaks when I answer or they only say hello. When I call the number I am put on hold and then sent to voicemail. The repeated calls on a daily basis are disruptive to my household and constitute harassment. Please help. I do not have any outstanding debt. This is clearly a scam.
This is my second complaint with the CFPB about the collection agency, XXXX XXXX XXXX. XXXX is not reporting correct or accurate information. They are reporting inconsistencies to all of the credit reporting agencies and are verifying inaccurate information. They also marked my previous disputes as frivolous to discourage me from disputing despite being provided proof of their lack of a proper investigation into the reporting. Attached are screenshots of the account they are reporting to the credit bureaus. They are reporting different open dates and balances but are verifying them as valid. How can information that doesnt match prove to be valid? Transunion is reporting a {$0.00} balance and open date of XX/XX/2017 and the same account is reporting a balance of {$1100.00} and an open date of XX/XX/2017. How is this accurate and valid if the information is not the same for the same account? This is a clear violation of the Fair Credit Reporting Act. This also shows a lack of proper investigation on the credit bureaus part as well. XXXX is creating a financial burden causing me to be denied credit due to their inaccurate, incomplete and inconsistent reporting to the credit bureaus.
XXXX XXXX is refusing to correctly update my credit utilization ratio in a timely manner so that they can control peoples credit and lives. They also are stopping me from copying and pasting my payment history somehow as evidence.
I have disputed and sent copies of paid in full information to Equifax / XXXX and XXXX showing proof of payment, and all companies with the exception of Equifax has updated there records. I have been attempting to reach them to get this reported correctly for several months to no avail each time I make an attempt, I get an offshore rep from another country I can hardly understand and nothing gets done. I 'm needing them to please correct this information..
In XXXX I received a replacement Business Credit card for the one that was do to expire in XXXX 2017. I activate the new card and destroy it by mistake and kept the old card when I call Bank of America customer service they said I would receive a new card in two days. Three days later a Bank of America complience office call me and said I would to call to unlock my consumer credit file which is frozen because I am a victim of ID thief. First he gave me to wrong number then when I call Bank of America they told I would have to take a hard hit on my score. Since I can see my credit score on the Bank of America web site anytime I login why is it necessary to take a hard hit on my credit score. I have mortgage with Bank of America and personal Credit card account. They have make it very difficult for me to want to do business with Bank of America
Was contacted 3 weeks ago and set up a payment plan for a check that is from 2008 they told me if I did n't get the {$250.00} paid off that they would be charging me {$1900.00} and take it out of my tax return. 
A week before the payment was due they called repeatedly about 6 times through the week to remind me over and over of my payment. 
My payment was due today but I had not gotten to the bank yet to put money in. They started calling at XXXX and called my phone XXXX times in a row back to back. I was in a different room dealing with my neices at the moment. I had answered the XXXX call from them and told them to stop blowing up my phone. They called back XXXX more times in a row. 
This is harassment and it needs to stop.
i was looking at my credit card statement from bestbuy and saw a charge for {$20.00} from this XXXX
On X/X/2011 I paid off XXXX XXXX XXXX XXXX {$7700.00} for a truck loan and received the title. Upon checking my credit report I discovered XXXX XXXX XXXX XXXX had a remaining balance on my account for the amount of {$560.00} and was coded as a charge off. Please see attached supporting documents that dispute this report as well as a copy of the report.
I was shocked when reviewing my credit report and found late payments on the date below : 30 days late as of XX/XX/2017 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
I had opened the BMO Harris account successfully. But some or the other way I am getting a lot of messages from BMO Harris bank that something is missing? I was asked to provide the signature card - which i provided and they got it. But still they keep on saying that something is missing and they will close the account.
When you call them at this toll free # and chat with them - they have no idea. I have no idea what 's going on.
This collection agency has called my home more than XXXX times. I have spoken to a representative 3 weeks ago and requested that my number be removed from their call list and was told that it would be removed within XXXX hours. They have not stopped calling. when I answer the phone they hang up every time.
NAVIENT, since I 've been associated with them since XX/XX/2003, has always deceived me and made payments impossible. Their deceptive and predatory tactics have caused me to go into default and unable to obtain a federal PLUS loan to complete my graduate education. Furthermore, when I was receiving XXXX, I was constantly harassed by " customer service reps '' that Navient can and will take money from my XXXX. This is n't just a problem for the elderly but also the XXXX who do n't have a voice. I am unable to secure housing and will be homeless in the future as felons, especially registered XXXX offenders, have easier than ever access to affordable housing no matter their credit situation with special government programs that overlook their credit and criminal histories. I made many attempts to make reasonable payments to NAVIENT who repeatedly refused them and told me if it was n't the full payment I would still go into default. Everytime I call them to discuss payment options they have refused and told me good luck.
I 've never lived in XXXX Indiana.. This is my x wife.. I 'd like to have removed from my accounts
I am XXXX XXXX XXXX. On or about XX/XX/2018 I made a bank transaction at Wells Fargo Bank at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I made a withdrawal for {$3000.00} and signed a withdrawal slip for that amount and gave it to the teller. I received {$3000.00} cash. I noticed my account was overdrawn XXXX the next day. I immediately went to the bank the next day to inquire. The bank stated this was some sort of correction and stated he could not say what it was. I then contacted the resolution department and they started an investigation per XXXX. The bank then stated that I was given {$5000.00} not {$3000.00}. This is not correct. I was only given {$3000.00}. Why would the bank give me nearly {$2000.00} more than was available in my account? I only received {$3000.00} and that is all I signed for. I have been waiting for a return call from the branch manager for 5 days. 
I can be reached at XXXX XXXX XXXX
I have tried to contact the company Capital Credit and Collections. I keep getting the run around. I have left several messages and no one has return my call. I have health insurance and want to know why I have the bill and why its on my credit report with no contact from the company.