WillisBack/dataset-financial-user-claim huggingface dataset:
I have a penalty interest rate for part of my XXXX XXXX card balance that is higher than the majority of my balance. It 's my understanding that my payments are supposed to be credited to the balance with the highest interest rate, but as I look at my statements from month to month, this is not what is happening. I have called XXXX XXXX multiple times but no one can explain to me how my payments are being applied to which balances.
I had purchased an item from XXXX XXXX XXXX XXXX Through their on-line store using my American Express card and never received my merchandise.
Wells Fargo failed to properly credit my mortgage payments. On XX/XX/XXXX Wells Fargo Bank filed a Notice of Default for {$10000.00} which is incorrect. I contacted Wells Fargo once I received the Notice of Default and the Debt Validation at the same time and requested the date of the last mortgage payment. Wells Fargo stated that the last payment was in XX/XX/XXXX, however, it was credited for XX/XX/XXXX, because they had not received a mortgage in XX/XX/XXXX. I located the XX/XX/XXXX mortgage payment which was paid inside of Wells Fargo Branch on XX/XX/XXXX. Previous to the Notice of Default I did not receive a Notice of Intent to Foreclose from Wells Fargo, therefore I requested to see it along with the payment history. The Notice of Intent that I received was incorrect in the amount being requested, moreover, it appeared to be newly created, it was dated XX/XX/XXXX and stated the last XXXX payments had not been received? When Wells Fargo Bank had received XX/XX/XXXX payment. The payment history that I received is impossible to read even with a magnifying class.
The language on the XXXX XXXX XXXX is threatening. It states in part "a bench warrant "will" be issued for your arrest" which was highlighted in yellow marker. I cannot believe that XXXX XXXX XXXX Attorneys allow their collection attorney to use this kind of threatening language as a scare tactic to make someone pay considering the FDCPA "least sophisticated consumer" language should apply. This is a classic definition of a "least sophisticated consumer" This was originally a $XXXX  CC for an XXXX yr old kid when she opened her bank account. The debt now states she owes$XXXX.   She had tried to work out payment arrangements with XXXX XXXX. And was successful in making some of the payments but school, and job constraints made it difficult to keep current. This complaint is against BOTH XXXX  and FRANCY LAW FIRM XXXX XXXX XXXX Atty Reg# XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, CO XXXX  phone # XXXX- Case#XXXX There is scheduled for appearance hearing XXXXXX18.- Law Firms, Banks, Credit Union, et.,al. should not be allowed to use this or any kind of language that threatens a person with incarceration because of a money debt. This language caused a serious physical and emotional stress in XXXX XXXX because although she has a fulltime job she does not make enough money nor does she have the money in saved to pay the debt and she was fearful of going jail.  This scared her to death and know one should be scared that their freedom is going to be taken away because they have the inability to pay a debt.
I went to the offices of XXXX & XXXX who are debt collectors. When at the offices i signed an agreement to pay off my debt that they represent ( Discover Bank ). While there I provided documentation for the initial payment thru XXXX XXXX. When it came time for my second payment I was instructed that my settlement agreement was nullified due to non-payment of the first stipulation payment. Upon investigation it was XXXX who was in error because the funds sent for payment was confirmed by XXXX XXXX that they received the funds and the voiding of my stipulation was in error.
I noticed an erroneous account on my credit a few weeks ago and I immediately took steps to have this error corrected by contacting both the data furnisher ( XXXX XXXX ) and the bureau ( TransUnion ) which were reporting this incorrect information on my credit file. 
I am attaching the letter I sent to TransUnion in which I dispute this account on XXXX XXXX, I asked them to provide the evidence of verification that they obtained during their " investigation '' -- which they have not responded to. I also am attaching the letter I sent to XXXX XXXX on XXXX XXXX, requesting a description of their " verification procedures '' as well as the XXXX forms transmitted by them to TransUnion regarding this account and any and all data submitted as " verification '' of this account. To date, I have received no response. Since my letters were sent out over 30 days ago, the window within which they must respond has now closed for them to provide requested verification proof. Therefore, as it is NOT a verified account it must be immediately and permanently removed from my file, as per 15 U.S.C. 1681s-2, which states : " ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly -- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. '' Please instruct TransUnion to remove this unverified and erroneous account from my credit history.
Whether I answer or get a voice mail from this company, it is a woman 's recorded voice that says the company is Aldous & Associates and this is an attempt to collect a debt. I never get to talk to a live person if I actually answer this call. Whenever I call the number they leave, I am told they have no records for my phone number ( that they just left yet another message at ) and to try and answer the call immediately when I see it on my phone so that I can talk to someone. It never works. I have never gotten through to a real person through their calling me. It is just a recording. I call the number and have talked to a younger sounding man named XXXX several times and he says I need to just keep trying to answer the incoming call immediately to get through to someone to find out what it's regarding. This has literally been going on for two months now. I speak to XXXX about every week. He said maybe next time we can block my number. It is very alarming to keep receiving debt collection calls. My credit is over XXXX ( at last check ) and this company can not even tell my what they are calling me repeatedly for. I have checked my credit report a few times in the last couple of months, and all looks well. I do not see any unpaid payments, etc. 

They call me from XXXX XXXX XXXX and I'm told to call them at XXXX XXXX XXXX XXXX.
MAKE THIS CLEAR : THIS WAS NOT MY LOAN Continental Credit in XXXX, Oklahoma initially called me XXXX/XXXX/16 @ XXXX asking to speak to my ex-wife of 4 years. I explained that I did n't know where she was or how to get in touch with her and asked them to please remove my number. The lady was very nice and apologized and stated she would be sure and get my name off of her file. 
XXXX/XXXX/16 @ XXXX received another call from continental credit again asking to speak to my ex-wife. I told the same lady again that we had been divorced for 4 years and I did not know how to get in touch with her. I made it very clear that if my name was not removed I would be filing a complaint. Again, she apologized and stated she would get it removed. 
XXXX/XXXX/16 @ XXXX received another call from them, this time I was unable to answer and the lady left a message " XXXX you need to call me at XXXX today '' this call has led me to file a complaint. I can provide all phone records if necessary. My next step will be a law suit if the calls do not stop.
There are inquiries on my credit report that are not mine or authorized by me, as law requires. 

I called Transunion and requested they correct the issue and was told they can not help. 

The inquiries specifically are : XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Please help me correct this issues and force Transunion to appropriately work with clients.
I filed a complaint with you against XXXX & XXXX and sent documentation of the paid debt to you. They were still allowed to take money out of my bank account and place holds on my motor vehicle registration until I paid the amount they listed. After seeing your action dated today I am wondering if I will receive any of the money taken from me. I also have an additional complaint ( # XXXX, Merchandise Credit Guide ) with you that I have not received any response from. I am concerned that the penalties received are not being given to the people wrongfully strong armed into paying and not receiving the money back. Please reply.
Please delete these inquiries off my credit report. Thank you I've listed the dates and names of the companies I've contacted the credit bureaus and the creditors and they keep giving me the run around. Please remove from my report. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I supposedly have a debt with fifth third bank. I recieved a call from a XXXX XXXX with a XXXX saying im being sued for XXXX dollars i never recieved a notice in the mail. I dont even know what its all about. He demanded i get a prepaid card and all kinds of stuff threatening me
On XX/XX/XXXX, my daughter took out what we both thought was a small payday loan for {$500.00}. We agreed to the repayment of a {$800.00} with this expectation of the loan repayment of the {$300.00} in accrual. To date we are still repaying this loan having paid it back 3 times over and it is now XX/XX/XXXX. XXXX XXXX states that there is still a total amount due of over {$500.00} and the unbeknownst to either of us only 5 % goes toward the outstanding principal with a current interest of over {$6.00}. XXXX XXXX is deducting payments for said payday loan biweekly and the closer we get to paying off this loan the less money they deduct in order to continue making money off of us. We can not get rid of this loan!. My daughter is a struggling young single mother of XXXX who works hard, is in school and does not make a lot of money. At this time she is in financial dyer straights and can no longer continue to pay XXXX XXXX on this ridiculous loan. She has been compliant in paying XXXX XXXX back and on time. We would like this to stop! The amounts they deduct from her checking account are never in a set amount as they spike up and down. It is almost as though they just choose a number of dollars and take it from her in repayment. She appreciated the help and has been very grateful, respectful and kind. I as a mother want them to stop taking advantage of my child. Please help her/us, and I say us because when she hurts, I hurt for her and I too help her keep these people off her and I do not make a great deal of money myself. It's a shame that when you are an honest person you have those that manipulate on those that need it. Yes we knew we would have high interest but not one that would continue to keep her bonded financially
Dear CFPB, I would like to file a complaint regarding some unlawful practices Ive experienced with Experian. I recently reviewed my credit report, and I noticed some inaccurate information. I made Experian aware of the inaccurate information on XX/XX/XXXX (  FORM A ). This was sent certified mail in which they received on XX/XX/XXXX ( FORMS B and C ). In my letter, I asked for validation of the unverified accounts as well as everything they had in my files as of that date. Experian did not send me any response within the 30 time period per the FCRA. 
I sent a follow up letter to Experian on XX/XX/XXXX ( FORM D ) disputing more inaccurate accounts on my credit report. Experian received this letter on XX/XX/XXXX ( FORM E and F ). In this letter, I also mentioned the original letter I sent on XX/XX/XXXX that I had not received a response for. 
Experian responded with a letter ( FORM G ) that stated one account had been deleted and other accounts were updated, pending, and/or verified, however, they did not comply with my request of providing me with everything they had in their file as of that date to support their claim of validation. They also exceeded the time frame of 30 days to respond according to the FCRA. 
Experian sent me another letter ( FORM H ) that reflected more results. The two accounts that I originally disputed back on XX/XX/XXXX were listed as verified/remains, and another account showed as pending. 
Experian never responded to my original letter within 30 days. They also have failed to provide me with the requested documents from my file they used to validate any accounts. Experian still never sent me proof of such validation or any of physical documents in my file that I had requested. 
Experian is violating my rights as a consumer and these accounts must now be deleted. 

Thank you for all of your help, XXXX
Collection agencies ( XXXX XXXX XXXX XXXX ) have added a collection to all three credit bureaus and I do not owe the original creditor who is XXXX XXXX.
My insurance paid the balance many years ago and now I have had two separate collection agencies trying to collect a balance of {$940.00} that they claim I owe. I do not owe this amount and I have the proof.
I requested proof from both collection agencies and this is what I received from both of them.
XXXX, XXXX and Transunion only reduce the debt owed to a XXXX balance but leave the collection on my credit.
I want it completely removed. I do not want the next collection agency who receives this to be able to add it as a valid debt. I owe a XXXX balance and their own evidence proves it.
I had residential mortgage loan with XXXX XXXX XXXX, XXXX, Loan No. XXXX. The Loan has been paid off as of XX/XX/XXXX. All payments on the loan were made by automatic electronic payment system through my bank. No payments were ever late. However, in XX/XX/XXXX, for unknown reason, XXXX returned one payment, even though it was the same as every prior payment on the loan. XXXX then started charging late fees, and applying subsequent payments to that payment. Upon learning such and speaking to XXXX representative, I made double payment. I also spoke to supervisor and upon sending in the bank record showing EVERY payment from my bank, the representative approved removing late charges. XXXX, however, continues to list late payments on my credit report. It is adversely impacting my credit, and I am in process of applying for new loan. I spoke with XXXX customer service 2 weeks ago and was told they would respond in 10 days. No response has been forthcoming. I sent urgent email last week. After years of similar payments by my bank, XXXX acted capriciously in rejecting my timely payment. XXXX once did acknowledge the error and removed the late charges. XXXX, however, is not correcting the credit reporting on their error, and it is adversely impacting the credit of my reports ( XXXX XXXX XXXX ) and my wife 's reports ( XXXX XXXX XXXX ). XXXX needs to remove adverse reporting on my credit on on my wife 's credit.
I have submitted several dispute letters and a FTC form to the credit agencies with regards to the following accounts below. To date, the credit agencies has not responded to my complaint that notifies them that these accounts was opened as a result of identity theft.  XXXX XXXX/XXXX XXXX -  Opened XX/XX/2018The following Inquiries was not authorized by me:XXXX XXXX XXXXXXXX/XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX/XXXXXXXX/XXXX XXXX XXXXXXXX XXXXXXXX/XXXXXXXX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Equifax Security Breach - notified that my information was most likely affected.
I put a 90-day fraud alert on my credit activity with the 3 credit bureaus.
My wife now my ex wife lived in home at XXXX XXXX XXXX XXXX, CA we bought home XX/XX/2005. I was the borrower she the co borrower with power of attorney for me recorded with XXXX County Recorder. I was retired and living in my home in XXXX XXXX XXXX, XXXX I can provide utility bills if necessary. I have never had a utility account at that address or signed any agreement with the city of XXXX only her or renters but never me. She was caught by IRS committing tax fraud in my name and is currently being investigated by the FBI for mortgage fraud. She stoled my identity cleaned out my bank accounts and IRA 's, liquidated my company and put the home in foreclosure numerous times. All without my knowledge. I discovered this after IRS presented us with {$87000.00} tax bill. I have requested innocent spouse relief from IRS and U.S. Tax Court and will present evidence XXXX XXXX in U.S. Tax court in XXXX XXXX. Same issue with dish network my XXXX account is in XXXX again I can provide evidence of this. She used my name with her SS # for this account. When she removed XXXX my account was with XXXX and again I have never agreed or sign anything to do with this account.
XXXX   XXXX  -fraudulent  XXXX   XXXX   XXXX - XXXX -fraudulent  XXXX   XXXX  fraudulent    XXXX   XXXX    XXXX -wrong in formation never late account in forbearance.
I paid off a loan over three years ago with Citibank, they are reporting me late every month for the last 3 years since been paid off and filing a satisfaction. I have called there and submitted documentation numerous times all of which gets " lost '' : I was provided a confirmation number of XXXX and was told that they would get back to me. This has been going on for over a month and I have been hung up on and given numerous wrong telephone numbers to departments that all claim they are not handling the issue. All i ever asked for is a letter to simply state that I was not late on my mortgage. I am paying a late fee everyday on a purchase contract that I am unable to close on while i wait for them to complete their investigation for an account this states its paid in full when you call them, I have sent them the satisfaction they filed.
CITIBANK MADE XXXX HARD INQUIRES ON MY CREDIT REPORT THAT I DIDNT CONSENT NEVER HAD TRYED TO GET ANYTHING FROM CITIBANK
Macy 's company has requested a bill that I pay a bill that XXXX collection agencies could not provide me a copy of the bill. After 3 months, I was provided with a copy of XXXX bills from 2015. Both clearly state that the bill was paid. Numerous calls, and a letter to the Macy 's dispute center was sent. No response. The amount of XXXX.was paid after being harassed by collection agencies and no proof of the bill had been shown to me. In good faith, I paid XXXX and refused to pay the interest of XXXX until the bill arrive. The bill clearly stated " Paid '' - If Macy 's bill says clearly paid and they can not provide any more information or respond to my letter. This alleged charge from Macy 's is impacting my credit score and inability to pay a lower rate at my prospective home purchase. Now I have XXXX bills, clearly stating " paid '' and made an additional payment of XXXX to a collection agency and no response from Macy 's on why I continue to be harassed and not refusing to show any evidence to prove that I have not paid. My FICA score is being impacted and need this matter resolved. Macy has shown poor ethical practices and power to shut a consumer 's ability to work this problem out and impact ability to purchase a home at a lower rate. This is intolerable and not what a retail store should have the power to do to consumers.
I was a victim of ID Theft in XX/XX/2017 and filed a police report. There were over a dozen utility accounts created in my name in XXXX, Texas and surrounding cities. I've never resided in Texas. 

Pro Collection placed a collection derogatory item on my credit report, causing my score to drop from XXXX to XXXX. I've sent them the police report and filed a dispute against their charge over a week ago, on XX/XX/XXXX. I called today to inquire and they said my account is locked and they are unable to give me a status update, and then gave me the run around. 

I'm in the process of buying a home and this issue is impeding our ability to purchase a home. If Pro Collect doesn't clear this up immediately with the credit bureaus, we will lose our chance at buying this home. 

Please help us. 

Thank you.
I have had this problem with BBVA Compass on more than one occasion. My most recent experience is with a transaction on XX/XX/18 for {$410.00}. It was deducted from my available balance on the XXXX with a positive balance. It was as the bank says a hard hit on the XXXX leaving an available balance, and I was still charged on overdraft fee of {$38.00} which in turn caused additional items to hit and be charged fee 's as well. The banks provides an app which they suggest you use in order to keep track of your balance. What they neglect to tell you is even though on their app it shows you have an available balance which every transaction is immediately deducted from, the actual charge is not really deducted from your account until it paid. So they give you a tool to make sure you know how much money you have and then allow you to spend that money. What they don't tell you is it's NOT they way they keep track of your available balance, which in turn allows them to access fee 's for using the tools they provide.
On XXXX XXXX, 2015, we tendered proper notice to the landlord, 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, 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 XXXX d ), the 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 is in debt to us for failing to refund our deposits. We do not owe XXXX ANY monies, as rent was paid current through our tenancy. XXXX accepted return of possession of the unit on XXXX XXXX, 2015.
please removed this unknown credit inquiries from my report XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
I had a savings account and investment account that was closed for no reason. The company gathered all my personal information. Took my small opening deposits, and closed my account. There was absolutely no valid reason to close my account. When speaking to repeesentative over the phone I was treated very poorly and unprofessional without any real answers.