WillisBack/dataset-financial-user-claim huggingface dataset:
I have an account with Capital One, a XXXX credit card. A fraudulent charge has been applied to my account and this was done on XXXX XXXX, 2015. I disputed the charge with Capital One and they sent me some illegible information provided by the company that placed the charge, XXXX. The bottom line is that I never gave XXXX permission to charge to my Capital One account, but Capital One is saying someone gave my credit card number to XXXX. Capital One says it was XXXX, and XXXX says it was Capital One. Again, I never authorized this charge or provided my number.
I am in the middle of a bankruptcy case. I was told that once my loan was included in the bankruptcy that PHH Mortgage would finally give me an answer to my modification request. PHH Mortgage has yet to give an answer after I have submitted my paperwork over and over again. There has been no answer for over 6 years. Now I am facing my bankruptcy case being thrown out of court because PHH will not modify my loan, so I can keep my home. 

AS you can see PHH mortgage does not have a good record. 

https : XXXX They refuse to honestly review my situation for a modification. I just want PHH to review my hardship application, stop making demands for the same information over and over, and give me a final answer once and for all.
I tried disputing this debt numerous times, because I do n't have a contract with them and they are continuing to come back verified and then I went on the Florida Office of Financial Regulations website and saw that this collections agency 's license has been Expired since XX/XX/2000 and they are continuing to report this debt that has been on my reports for over 3 years now. I am not even sure is mine, I know I do n't have a contract with them, and I want it taken off my credit reports. They are not licensed to collect in the State of Florida with Expired license but they are blocking my credit rating and it is very hard getting a house with collections on your reports ... Thank you for your help and your time
Last week I was alerted by XXXX XXXX  that Transunion reported a debt collection on their credit report. The company listed is a collection agency. They name is the company seeking payment is XXXX XXXX, in the amount of {$90.00}.

1 ) I never had an account with XXXX therefore the amount is fraudulent and someone there must be held accountable. Fine, imprisonment, restitution, whatever the existing law states as the punishment.

2 ) I can not dispute the fraudulent debt owed on XXXX XXXX XXXX  site because their site isn't working. ( Multiple error messages when I try to submit a dispute over multiple days. ) 3 ) I can not dispute the fraudulent debt owed on Transunion 's site because their site isn't working. ( Multiple error messages when I tried to submit disputes over an 4 hour time frame in one day. ) 4 ) I called Transunion this morning to dispute the claim and XXXX, the XXXX  rep that answered, refused to dispute the claim.

The debt is not mine, I owe XXXX  nothing and they and Transunion should be punished accordingly in sullying my name.
My student loan account has been with the Ombudsman Group at the DoE for well over 400 days and today, I spoke with yet another collection agency ; Central Credit Services LLC. They had given me poor advice in XX/XX/XXXX that I should NOT file my taxes. The IRS told me this was terrible advice for anyone to give so I filed anyway. I received another letter from the collection agency and called them to please mark the account " in dispute '' and asked for some paperwork while the details are being investigated. I asked for the fine print and statutes set forth by congress regarding the Rehabilitation program. " XXXX '' told me they do not have those files. I asked again why she was denying this borrower 's rights to have all of the details in writing before a payment amount would be discussed and she responded by saying " we do n't have that ''. I reaffirmed my assertions that her agency was denying this borrower the right to fully understand this contract agreement and told her to " Have a nice afternoon '' and proceeded to end the call. I would appreciate if this topic could be examined more closely. It is frustrating to find out that I have an increasing balance when my rights are being trampled and no apparent course for restitution or correction. Please contact me if this office ( CFPB ) would like more information. I am currently compiling a file with the outrageous claims made against me since the account maliciously was sent into default by violating UDAP statutes in the XXXX XXXX offices.
Key2recovery and XXXX XXXX XXXX say they own my debt. I started paying key2recovery then on XX/XX/XXXX I was mailed a letter from centeral portfolio stating I owed them the same debt. I started paying Key2recovery on XX/XX/XXXX
I have submitted online disputes, I have called by phone and disputed as well as mailed in several disputes advising the credit bureau that there are several accounts on my profile that are in reference to identity theft. 

XXXX XXXX XXXX Credit Card is listed on my profile as being opened in XX/XX/XXXX I had a fraud alert placed on my file in XX/XX/XXXX I asked them to provide proof where they investigated this account and provide proof that the creditor spoke with me to open this account and they have not done so but they are reporting this inaccurate and fraudulent account. 

I have a bankruptcy that is showing on my profile as being filed XX/XX/XXXX and being dismissed on XX/XX/XXXX there is no additional information listed on this account being showed. I spoke with the credit bureau and notified them by online, phone and mail and asked them to directly investigate and they did not they advised me that they had a 3rd party do so. They refused to advise me of the 3rd party used and who the 3rd party verified through. I have spoken with the courts clerk and was advised that know one has contacted them to directly investigate this matter. The credit bureau has blatantly fabricated to me about the direct investigation that they say have been completed.
I have a mortgage that is serviced by Ditech Financial LLC on a property I own in Connecticut. In the entire history of this loan, I have never missed a payment or even been late on one. I received a letter dated XX/XX/2018 from a collection agency alleging that Ditech had not received my mortgage payment that was due by XXXX. Subsequently, I logged into my account and saw that the payment for the exact amount ( {$1400.00} ) was submitted 2 days early - and received - on XX/XX/2018. 

The payment was submitted electronically. However, Ditech misallocated the payment, directing the entirety of the proceeds towards principal. This is not how I had arranged the payment, through their own system. 

To make matters worse, they opted to refer the matter directly to a collection agency and applied a late fee to my account. 

This is easily the 5th time I have had this issue arise with Ditech, and I am beyond tired of having to spend my time pointing out errors of their own creation that have a meaningful effect on me.
I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. It needs to be 100 % accurate according to the fair credit reporting act and they have not provided such documentation of verifying.

I strongly believe the person responsible working on my investigation has been failing to work on its due diligence responsibility and has not been up holding the Laws violating the FCRA on many different sections for non compliance. 

I reference that this credit bureau XXXX  werent able to verify it and I attached my proof of results marked deleted for this account # XXXX & this account # XXXX Im disputing. They were not able to verified it can you follow the same procedures and govern yourselves accordingly.
Capital One auto finance is reporting to two credit bureaus ( XXXX and XXXX ) a loan that was charged off for over {$18000.00}. 

This account was opened by my ex wife ( divorced at time of account opening ). I proved to the creditor I had never signed any documentation stipulating my responsibility in the financial contract. The vehicle was never registered in my name nor did I ever have possession of it. 

I have tried on several occasions to resolve this matter with the creditor to no avail.
CFPB complaint Filed XX/XX/XXXX Case # ShellPoint XXXX XXXX XXXX, XXXX CA XXXX XXXX said that it will be a big problem to do a short sale for a homeowner that does not have separate business bank statements, no business name, and have not filed taxes for XXXX and XXXX, and therefore underwriting will likely require the homeowner to file taxes for XXXX & XXXX. I told ShellPoint that the homeowner is a sole proprietor - there is nothing wrong or illegal about this. Therefore a separate business 'name ' and 'bank statements ' are not necessary. The homeowner has also already provided a written and signed statement that they have not filed income taxes. I also reminded ShellPoint that in California the homeowner can not contribute to a short sale, and since the profit & loss statement is proof of income, they will have to make a decision based on what they have been given. 

Why is ShellPoint trying to force the homeowner to file income taxes? They are being stupid. I want ShellPoint to follow servicing guidelines. If ShellPoint wants the taxes to be filed - are they going to hand over the {$500.00} for each year of taxes so the CPA can file them? The homeowner certainly does not have that kind of money. 



In California, the lender can not ask for a contribution from the homeowner. It is obvious from the income information provided that the seller can not afford to keep the home. Attempting to force the homeowner to file income taxes is just another delay tactic and does nothing but reveal the stupidity of this company as a mortgage servicer.
Wells Fargo committed fraud by stealing money from the elderly. I am XXXX years old, I have a account with Wells Fargo, Acct # XXXX. On Sunday, XXXX XXXX, 2015, the day before XXXX, I purchased food at XXXX XXXX and wrote a check # XXXX in the amount of XXXX}. I also wrote a check on Tuesday, XXXX XXXX, 2015, the day after XXXX, on XXXX XXXX, 2015 I receive a survivors benefit check in the amount of {$XXXX} which post Eastern Standard TIme at XXXX XXXX, XXXX Pacific time. Wells Fargo. On the back of Check # XXXX in the amount of {$75.00} The XXXX stamped it XXXX XXXX, 2015 as being processed, the money was in my account, Wells Fargo fraudulently charged me a service charge of {$35.00}. They also charged me {$35.00} service charge for Check # XXXX in the amount of XXXX. These XXXX checks were covered because my direct deposit from Social Security was in the account. I went to Wells Fargo and spoke to the Manager of the Store, XXXX XXXX, ID XXXX, she took the bank statement along with the XXXX checks and proceeded into her office not asking me to come into her office while she looked at the copies. XXXX minutes later she comes out into the lobby where I waited and broke the privacy act discussing my account with a lobby full of customers. She treated me with no respect and I feel discriminated against me because she saw I was elderly, she failed to ask for my identification. She failed to see on the back of the check the date was stamped XXXX XXXX, 2015 for check number XXXX by The XXXX. It is my opinion Wells Fargo should investigate this store manager, the proof is on the back of the check and she had no right to discriminate me and embarrass me in front of a lobby full of people. I am asking that Wells Fargo refund my money and a apology letter on behalf of their Store Manager, XXXX XXXX she should not work at a bank who judges people by the way they look.
Set up several student loans with XXXX XXXX, who then turned into Navient. Performed SEVERAL forebearances over the years ( due to financial hardships ), and also went through a couple of income-based repayment plans. No information was given regarding these services, and now I have over {$50000.00} in student loans due to interest. This information should have been disclosed and signed off on prior to obtaining these hardship options.
They are calling for my ex-wife, whatever debts she has have nothing to do with me.
I disputed a paid collection item on my credit report with the collection agency Cavalry Portfolio Services and requested that the item be removed from my credit report as it was over 7 years old and had been paid. The original creditor had already removed the item from my credit report. I then sent Cavalry Portfolio Services a certified written request that they provide all information on the disputed item such as the original collection date, date paid, and all information pertaining to the collection and the proceeded by only sending me a letter that stating that this account was already settled. I called them and spoke to a manager concerning the account and I again confirmed to her my request that I would like to know the original date of collection, proof and confirmation. The manager told me that they had no such information because the item was so old and I told her that was the point in my dispute and the item was much older. The manger than said I would have to file a complaint because it was our of her hands to be able to remove the item from my credit report.
On XX/XX/XXXX, I was checking my credit report through XXXX XXXX, and found that an old account loan for my automobile purchased in XX/XX/XXXX from XXXX XXXX XXXX XXXX was showing that I owed an amount of {$990.00} toward the balance. However, the account was paid in full two years ago in XX/XX/XXXX, and I had received a release from the XXXX XXXX XXXX. I called the bank on XX/XX/XXXX, to discuss the issue, and the bank representative confirmed that they had mailed a release from the loan in XX/XX/XXXX, but I would have to make a " consumer complaint '' against them in order for the report to be corrected.
I have called the credit bureau and the agent advised me that I would have to call the original creditors to remove the unauthorized credit inquiries. I called in the original creditors and they seem to have no idea how to remove the inquiries from the credit bureau. 
Please remove the following unauthorized inquiries immediately as they are effecting my financial well being. 
1- XXXX XXXX XXXX 2XXXX XXXX XXXX 3- XXXX  XXXX XXXX XXXX 4-XXXX XXXX  XXXX 5-XXXX XXXX XXXX 6-XXXX XXXX 7-XXXX XXXX 8-XXXX XXXX XXXX XXXX 9-XXXX XXXX 10-XXXX XXXX XXXX 11-XXXX XXXX XXXX XXXX 12-XXXX XXXX  XXXX XXXX
When looking over my credit report I was shocked to see a late payment on XX/XX/2015. Being that I always make my payments to you when I receive my statements, I don't even know how this happened. My only thought is that it got lost in the mail somehow.
I was pre-qualified with the Illinois Hardest Hit program on XX/XX/XXXX, but in order to fully qualify for their program of which they were willing to pay {$35000.00} of my arrears, in addition to ( 4 ) future months of mortgage payments @ {$1000.00} ( TO BRING MY MORTGAGE CURRENT ), due to the lenders fees being in excess of what would qualify me for the program, I requested for the lender to waive or reduce their attorney fees of {$4400.00} as of XX/XX/XXXX, in order for me to qualify, since Illinois Hardest Hit Program does not allow homeowners to pay any fees to offset overages. <P/>In summary, I received a letter from a XXXX XXXX at Wells Fargo on XX/XX/XXXX stating that they were not able to waive or reduce their fees. With no further explanation being given. <P/>I am filing this complaint as this is extremely malicious behavior from the lender Wells Fargo, NA to intentionally not reduce their " inflated '' unrealistic attorney fees, and choose not to receive an immediate payout of {$39000.00} ( {$35000.00} to resolve the arrears, plus an additional ( {$4300.00} for ( 4 ) future monthly mortgage payments ), yet instead making a corrupt choice to choose to leave a homeowner, who has the immediate means to resolve her Mortgage Foreclosure arrears, be denied a logical resolution, and cause a homeowner to run the risk of losing their home. This is totally unacceptable behavior and it is illegal that this lender is allowed to get away with this type of MALICIOUS unlawful practice!!! <P/>There are many homeowners like myself who are working diligently to try and save their homes from foreclosure, and this lender has a normal practice of denying loan modifications, wasting precious time, playing the " I did n't receive those documents '' game, even when a homeowner has had those requested documents notarized by a legal entity, causing further hardships to occur for homeowners. It is very apparent that this lender is not willing to assist homeowners, and in my case they have laid it out in black and white, that they would be willing to try and foreclosure on my home, choosing to not waive {$4400.00}, than to accept {$39000.00} to resolve all of my Arrears and bring them to {$0.00} on the property. Who does that??? <P/>Thank you for pausing your day to allow me to file this COMPLAINT, and I will continue to seek justice against this unjust corrupt corporation, and I will also help as many individuals as I can to fight against this corrupt lender Wells Fargo, NA.
I disputed a judgement that has been vacated. They refuse to remove this and say it was verified. I have written documentation that it has been vacated and should be removed from my report.
They were included in bankruptcy and not sure why but also they are closed due to consolidation and show on report multiple times and need to be removed
On XX/XX/XXXX I sent Procollect a letter requesting that they validate the debt they claim I owe. I received a letter from Procollect dated XX/XX/XXXX which included a final account statement with another individuals identifying information. They failed to provide any competent evidence. They failed to provide me with an original contract. I do not owe this debt. They must remove this account from ALL 3 credit reports and agree not to sell it.
I found a incorrect account on my experian credit report. 
I disputed several times but is still on my credit report. 
Company Name : XXXX XXXX XXXX Account : XXXX Open Date : XX/XX/2012Reason : It is not my account
I signed up for a care credit account XX/XX/XXXX. My first payment was due in XXXX. I created an online account as well as paid for the application on my phone. I can never log in to make my payment, I 'm always locked out. I have tried multiple times by myself and with a customer service rep on the line to reset my security questions-which I do. When I go to log back in, it always asks for a security question that I DID NOT PICK. It does this every time even after I have reset the questions. Care Credit customer service line can not figure it out. I am stuck paying the {$8.00} service fee for paying over the phone even their it is their website that has the issue. I am not happy. I have attempted to get this resolved MULTIPLE times and nobody has a clue on what to do. It is now nearing XX/XX/XXXX. I asked the customer service rep to let me know when they have resolved this issue, and they told me that they do n't call back their customers to let them know when a problem has been resolved. I have no way of discontinuing this card because my XXXX payments are monthly.
I have sent this documentation to the credit bureau on 3 different occasions totaling about 60 days, and they are still reporting the inaccurate information. Several of the accounts appear twice, and have been paid and closed. They are showing open for collections with balances from Central States.
I have been receiving numerous calls from XXXX. When i answered the line was silent. So I block the contact in my phone and it went straight to voice mail. Now I get numerous voicemails with nothing on them. The calls and voice mails have been 2 or 3 a day for over 3 weeks. I've tried to call the number and all I get is a recording that it is not during business hours. This was between XXXX and XXXX est. that I've called. Then the recording goes on to say go to some website to pay a debt. I think this is a scam and should be shut down. Thank you
I have a cease and desist order in place on my mortgage loan for shady collections practices involving Ditech. Last week they violated this practice by showing up to my house and placing a collection, contact us door hanger on my front door. I contacted Ditech again today and they stated they ca n't enforce a cease and desist order. Their collections antics are not consistent between borrowers resulting in disparage treatment. I consider this an additional demand to cease and desist all collection efforts in regards to this loan.
I tried to submit a dispute with Equifax and they make it impossible to put a dispute in. In XX/XX/2018, XXXX XXXX took off a collection account. XXXX and XXXX  have already taken off this acct off my report, but I am unable to Equifax to put a dispute in with Equifax and they have denied me a yearly report.
I 've received inconsistent information about whether I 'm in forbearance or deferment and they claim those XXXX statuses are " the same '' and neither negatively impact my credit history. I 'm pretty sure this is wrong but I am unable to find accurate information on the details of each. I have also requested to have my billing cycle changed from quarterly to monthly and reduce my payment amount based on my financial obligations to other student loans, instead of processing my request they put me into forbearance/deferment and when I inquired what I had to do successful change billing cycle/payment amount they referred me to the same form that resulted in the forberance/deferment status. I find them very difficult to communicate with and the rare communication I do receive feels like they 're just trying to push me off to either " call the credit bureau '' or " that 's not my department, call this number. ''
This is a debt company that purchased the debt from XXXX they are saying that the date of delinquency is correct even though it is not the debt was opened in XX/XX/XXXX and was delinquent up until the car was repoed in XX/XX/XXXX. They are saying that they are reporting the debt correctly. I read on the consumer reporting agencies that they can report a delinquent debt past the date of the first delinquency of the original debtor. They are saying that is false and they can report the debt from the time they bought it from the original debtor,. band it is reporting as an open account
I closed a Suntrust Business ( Control account ) due to the following issues. 
I could never access my account online and I could never keep up with the balances and payments due to waiting til my statement closed to get a bill in the mail. 
There was no way to call to get a balance because it was not accurate, the online info always had an inaccurate balance reflected. 
I paid the account off in XXXX for {$7300.00} and closed the account effective immediately. 
I later received a statement with a credit balance of approximately {$80.00}. 
I called SunTrust to get a check sent effective immediately, they told me it would take 60 to 90 days to issue a check. 
This is unacceptable, because the reverse of this would not allow me to make a pymt 60 to 90 days late. 
I want my money that was sent. 
Why does this take so long to give me my money that I over paid.