WillisBack/dataset-financial-user-claim huggingface dataset:
So I received a notice from CFPB that the XXXX agencies were working on my issue still and would not get an answer for up to 60 days from the XXXX agencies who would be checking into the my concerns with a collection company called XXXX Bank. Since my response and uploading documents proving I did dispute with the XXXX credit agencies of which the say they had no record of, I have recently received these additional XXXX response letters XXXX of which I think is somewhat of a retaliation to my original complaints regarding their incorrect reporting. You will see that in the body of the letters to the upper right hand side ( circled, arrow & stars XXXX, they are still unwilling to change the balance of debt to read " {$0.00} '' and keep reporting that I owe them all this money. There should be not indication of any balance due them or XXXX Bank anymore on any correspondence or public records since all the accounts I previously had with World Finance had already been discharged between XXXX & XXXX before XXXX XXXX sold their business accounts out to XXXX Bank. Comenity who is now working with XXXX are to still trying to collect on these funds from me and reporting this on all XXXX credit reports as of XXXX/XXXX/2015. I need for all the accounts under both XXXX and XXXX Bank to be totally erased from all XXXX credit reporting agencies ( XXXX Experian XXXX. I have attached below these letters I am referring to. I am sure there will be another letter on its way because there was a total of XXXX accounts with XXXX XXXX to include XXXX Jewelers not included.
My complaints is not just about the 30 day " notice '' letter. Which I never received about this debt. The only reason I know about this is because I received an alert from my credit monitoring service. I have been working on my credit and it is looking great until this happened. 
Real quickly, my monitoring service just posted a collection from Grant & Weber account # XXXX. I looked them up online and they seem to be out of XXXX XXXX. The collection shows online that the original creditor is XXXX XXXX XXXX XXXX with a balance of {$11000.00}. As stated above I never received a phone call nor any letters from this company. 

Additionally, it shows as a voluntary repossession from XXXX XXXX XXXX XXXX, account # XXXX, with a balance of {$12000.00}. 

The issue is now I have 2 negative items that are effecting my debt to credit ratio twice for the same debt. My understanding is that is either an FCRA volition or an FDCPA violation or both. You can't have the same debt count against you twice. Not to mention both companies are reporting different amounts and I have no idea if any dates are correct but likely that is wrong too. 

Since the collection agency, out of XXXX XXXX, I am in Texas, has never contacted me or allowed me 30 days to dispute the debt or settle the debt. Both accounts seem to be hitting my debt to credit ratio twice and who knows what is right or wrong. I am requesting it be removed from my credit report or the burden should be on both companies to sort this out and to send me correct information. I believe the collection agency should not even be allowed to collect on my credit report at all however.
I was told over a month ago that my appraisal was going to be arriving on XX/XX/XXXX. The morning of XX/XX/XXXX, I texted the mortgage company contact, XXXX XXXX at Prime Lending, XXXX, WV. She said, it will be in by end of week, I sent long email response and said I was told XX/XX/XXXX, I think six weeks is long enough on an appraisal. I said I will start filling out online reviews of your company about process. Filled XXXX online consumer reviews of company that night. I received email next day about complaint from compliance manager XXXX, TX, XXXX XXXX. She later called me and said, " Our appraisal team is on it and appraisal will be uploaded first thing in morning. Email message at XXXX, no appraisal yet. She replied, " no they are third parties and they are out of our control. '' Yet I had to have paperwork in by end of the day Friday, yet I sent it Thursday morning. My problem lies with first of all I thought 6 weeks was little long but they claimed factors are involved busy time of year, then I get end of week, then I get tomorrow morning and now it is weekend, who really knows. They have n't told the same story and I feel like I am being pulled along. I paid {$650.00} for appraisal when I was sent email link to pay for it. The lies must stop and produce what is expected. CONTACT Information- XXXX XXXX XXXX direct line XXXX, XXXX XXXX XXXX , XXXX , WV XXXX, XXXXXXXXXXXX, loan officer support/ renovation liaison ; XXXX XXXX , XXXX XXXX XXXX , XXXX, WV XXXX XXXXXXXXXXXX, office- XXXX, cell XXXX ; XXXX XXXX- compliance manager , XXXXXXXXXXXX email, direct line - XXXX, XXXX XXXX XXXX # XXXX, XXXX , Texas XXXX
On XX/XX/2016 XXXX was contacted via telephone to have our accounts closed. The representative on the phone stated that this will happen once the account has a zero balance. The representative proceeded to reverse a bank fee to bring the account to a positive balance then assured us that the account would be closed. We proceeded to receive a check for the full balance of our brokerage account via US Mail. At this point, upon checking we found that our other accounts were still open and instead of having a zero balance, the checking account was negative. We proceeded to contact XXXX via telephone only to be told that the account was n't closed due to the balance that was positive when we initially called, now being negative due to XXXX fees charged. When XXXX was contacted most recently on XX/XX/2016, the representative first stated that the account was not able to be closed due to the negative balance from XXXX 's fees. Towards the end of the call the representative claimed the we never contacted XXXX to have the account closed, which is 100 % incorrect.
Greetings, I have initiated a multiple disputes with Trans Union over the past few months to remove unauthorized Inquiries they have failed to fully validated that I initiated. It has been well over the 30 days given for Trans Union to respond with validated proof to delete these inquiries per the Fair Credit Reporting Act. I have provided all requested documents to Trans Union including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors but they have also fail to fully validate these unauthorized Inquiries belongs to me aswell. Below are the reporting Inquiries that should be Removed / Deleted from my Trans Union credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Inquiries : 1 ) XXXX - Date Filed : XX/XX/ 2 ) XXXX XXXX - Date Filed :XX/XX/XXXX 3 ) XXXX, XXXX - Date Filed :XX/XX/XXXX 4 ) XXXX XXXX - Date Filed : XX/XX/
I am a Veteran and I was having a medical emergency so went to nearest hospital and I notified the staff I was a Veteran because they would have to go through the VA to get payment for my treatment or transfer me to the VA hospital when stable but they did not contact the VA and now have been trying to make me pay the bill have been fighting to get this of my credit report Trans Union but to no avail so want to file complaint.
Ive sent in several dispute letters dating back to XX/XX/XXXX to have items that were incorrect removed from my credit report. My last set of letters were mailed out in XX/XX/XXXX. I sent in proof that the following debts had either been closed and settled, not validated or no longer my financial responsibility and were to be removed from my credit report : 1. XXXX XXXX, Closed and Settled for {$710.00}, with a letterhead from the company. 

2. XXXX XXXX, I was taken to court by them and the judge dismissed the case because the company could not prove that I never made payments on the account after several requests from the judge. I attached a certified disposition from XXXX County, GA courthouse. 

3. Multiple credit inquiries, I have a fraud alert statement that states that any company attempting to offer credit will need to call me at a specific phone number to verifyu identity. No company has called me to verify any inquiries made in my credit report.

4. XXXX XXXX has not been validated per my request to have this item validated with the information of whom the CRA spoke to or received in writing. 

5. XXXX XXXX company has not been validated per my request to have this item validated with the information of whom the CRA spoke to or received in writing. 

6. XXXX XXXX XXXX XXXX XXXX has yet to validate their account. I explained that I never had an account with this company or are aware whom they are.
I worked full time for a qualifying public service organization from XX/XX/XXXX- XX/XX/XXXX. Fedloans Servicing refuses to honor payments made during this time for Public Service Forgiveness because I consolidated a XX/XX/XXXX XXXX along my previous consolidation done previously when XXXX serviced my loans. XXXX did not tell me that this would put my future with XXXX XXXX XXXX XXXX in jeopardy. I realize that this is not your problem, but this is what happened to me. Now, I am being made to pay for a mistake made by XXXX. They even denied counting my time to the Ombudsman. 
Representatives from FedLoan Servicing told me is that a new consolidation was created when I consolidated my new loan taken in XX/XX/XXXX with my existing consolidated loans ( XXXX was servicing the loans at the time ). As a result, they will not count any of my payments time that I worked for a public service organization from XXXX ( my loans were consolidated at that time ). I let them know that I was not told by XXXX that this would jeopardize my public service loan forgiveness. I remember telling the XXXX customer service representative that I needed to consolidate my XX/XX/XXXX loan with my existing consolidation so that I could get credit for my time worked for a XXXX from XXXX. So, I proceeded with the consolidation paperwork not realizing that I would be in this situation. I am not trying to get out of paying. I just would like the time to count as I am working for a XXXX.
Date incident occurred : XX/XX/2018 at Approximately : XXXX PST. 

I called into IQ Data International collection agency to try and figure out a debt and resolve it. I called in and spoke with an " XXXX '' right off the bat he was rude and wanted to belittle me. I told him I wasn't aware I had this debt and what it was about as I know I paid this apartment complex off with a cashiers check when I moved out. He stated that they have called me multiple times on my cell phone, my employer and sent me information. I advised I have not received anything. He stated that " I should pay my bills and I wouldn't have to worry about it. '' I was offended by this as I was trying to call in and resolve this debt, I told him not to speak to my like that and he continued to antagonize me and apologize that " you are sensitive sir. '' I stated this is how you treat customers? he replied " you are not our customer, XXXX apartments are. '' I then stated that it doesnt give him the right to treat me like that, he then responded with " Oh, I am sorry I offended you sir, I am sorry you are sensitive. '' I asked to speak with his supervisor, he then responded very aggressively with " No, you will not speak to my supervisor you will speak with me, I am sorry you are so sensitive but you are not talking to anyone but me. '' I continued and demanded a supervisor, he then sent me over to " XXXX '' who was the manager on duty she said they would listen to the call and take appropriate action and then we discussed the options I had. While on the line with her the background noise was insane with people yelling and cheering and I asked her what kind of establishment was this? She responded " I am sorry they like to be loud sir. '' She ended up taking my payment to resolve the debt and as she took it I heard people in the background taunting and cheering that she got me to pay. I am very upset about how this was handled and it was the most unprofessional interaction I have ever had with any company in my life. I want to file a formal complain on IQ Data International Inc.
I recently received my credit report where I saw this debt was listed. I had no knowledge of this account ever existing. In an attempt, to resolve this matter quickly and restore my good credit report, I contacted the company via written communication and offered to settle this debt, and in exchange they would remove this account, that does not belong to me, from all of my credit reports within 15 days. In addition to this written correspondence, the company also received a check to settle the account in full, under the terms that all info related to this account would be deleted from all credit reporting agencies. The check to settle this account was cashed on   XXXX   XXXX   XXXX    , but the account remains on my reports.
XXXX XXXX XXXX XXXX violated my rights by not notifying me of my right to dispute. 

Item appeared on my credit between XX/XX/2018 and XX/XX/2018, with no prior notification that they had purchased a debt, and that they Intented to report to the credit bureaus. They failed to notify me of my right to dispute.

As this is a clear violation of my rights remove asap.
This complaint is related to a Bank of America credit card that I paid in full according to the latest stament received. I just received a statement for an additional {$100.00} of interests out of nowhere because I had paid the outstanding balance in full. I don'nt understand how interest are accrued out of a {$0.00} balance.
In XX/XX/XXXX, I received an invitation to sign up for the NO ANNUAL fee Gold Delta SkyMiles credit card for XXXX XXXX employees and retirees. On XX/XX/XXXX I contacted American Express to sign up ( see enclosures for noted time, date, employee name and employee # whom I had spoken too ). On my XX/XX/XXXX billing statement, you showed a {$95.00} annual fee which I deducted from the payment believing it was billed in error. Subsequently, the annual fee occurred on my next billing statement. Reluctantly I made payment and then contacted American express. After 5 + weeks with no response from you I again withheld payment. I finally received a reply from your company in a letter dated XX/XX/XXXX. In your letter, you addressed a promotional offer that had absolutely nothing to do with the original promotional offer I received. Example, you state that bonus miles awarded after making {$2000.00} in purchases, please show me where in my offer that number appears, I show {$1000.00}. Also, you state members are eligible for a Single welcome bonus. If you read the promotion offered to me it clearly states PLUS No annual fee. American Express has continually billed me late fees the last 6 months even after I paid the annual fee. Consequently, this has had an effect on my Credit!! My balances on my accounts with American Express have always been paid in full monthly!! I have now learned that American Express has canceled my account. I have accumulated SkyMiles on that card that is close to XXXX points. I have patiently waited for a response to be made from AX, but as you can see in the attachments they are electronically prepared, they incorrectly address the issue, and when they do, the information is not even correct!! The last response received from AX was dated XX/XX/XXXX ( see attachments ) you will see an award of XXXX bonus points on XX/XX/XXXX, which is incorrect. 

Sincerely, XXXX XXXX XXXX XXXX XXXX ( retired )
I setup recurring payments to pay down my credit card bill using their online automatic payment system intending to pay down my bill. Bank of America charged me a late fee every month I  made payments in increasing amounts. {$25.00}, then {$38.00} per month. 

After talking with a representative on the phone, they said my payments did not post on the right day. Monthly payment software system allowed me to make payments after due date. Payday loans also work in this manner. Allowing clients to post payments after the due date and adding late fees. There were also no phone contact with the company or messaging. I also explained that I have been a customer for 13 years.
Ditech Financial did not notify me of any change in my required mortgage payment, as required by my mortgage agreement. I sent timely payments in for XXXX & XXXX 2016 & these checks were cashed by Ditech. There was an adjustment in my adjustable mortgage ( {$16.00} increase per month ) which Ditech failed to notify me of at any time. Ditech reported these XXXX payments as " 30 days past due '', thereby ruining my XXXX score, and failed to correct their error when I requested that they do so. ( Ditech at no time ever sent me any coupon books or monthly mortgage statements, or invoices, despite my request for these ). 
Ditech also refused to refund an over payment I made to them relative to a payment which they deposited some time after my mortgage was paid off in full in XXXX 2016, and to return these funds which legally belong to me
My husband and I are being taking advantage of by Ocwen Loan Servicing LLC.. We are part of the XXXX DOJ Consent Order targeting XXXX females in the XXXX County ( XXXX, New York ) area. Since XX/XX/XXXX, Ocwen never notified us that the loan was part of the civil action. As a servicer, they were obligated to inform us and stop collection practices. I realized this last week when I reviewed my property records. Also, Owcen strategically did not put my name on the tax records only show my husband name to that the loan was not affected by the Order. A Satisfaction of Mortgage from XXXX XXXX was recorded and was PAID IN FULL and HAS NOT BEEN ASSIGNED. We are XXXX years old and every time my husband and I call, l we are always getting the run around about the account. There are major concernsAs of today, I 'm showing XXXX XXXX XXXX filed a Satisfaction of Mortgage on XXXX XXXX, XXXX based on the DOJ Consent Order filed on XXXX XXXX, XXXX. I 've enclosed both documents for your review. Please provide a documented Note, Deed of Trust along with an current notorized Affidavit from the investor employee stating that the allege contractual agreement is enforceable under applicable New York State Law/Department of Justice and Consumer Financial Protection Bureau Under the Fair Debt Collections Practicing Act and Fair Debt Credit Reporting Act, If you are not able to provide this information, Ocwen as the servicer and/or acting on behalf of the investor or any other entity DO NOT have documents for enforceable interest as stated under the National Settlement Consent Order. Therefore, I 'm requesting a Mortgage lien release on the property immediately and a refund for all XXXX monthly principal and interest relating to the loan from XXXX XXXX through XXXX XXXX and all items need to be omitted from our credit report because they are not factual
I have tried for months to get Transition to remove XXXX inquiries listed on my credit file because they are not mine and/or I did not authorize. I have an identity theft file with FTC since last year. They refuse to remove them and my credit rating is being affected tremendously. Recently, I had them add a security freeze to my credit file to prevent any more unauthorized inquiries. I want these inquiries removed immediately. Please help me!
The principal, interest and escrow balance was recorded as {$20000.00} as of XX/XX/2018. A breakdown of principal and interest is {$13000.00} and escrow deficiency {$7800.00}. This is a total of {$21000.00}. This is a difference of {$610.00}. 

The projected escrow shortage of {$6000.00} is being paid through my increased mortgage payments. The projected escrow shortage should not be included in the total arrears of {$28000.00}
This actually is n't a " me '' problem. There are reports of consumers getting scammed based on the terms of service of a mobile payments provider. A background on the problem is best expressed through this article : XXXX XXXX XXXX What I perceive as going on here is a violation of Reg E, which I think applies to these type of transactions. Instead of adhering to the standards of Reg E, Venmo is deliberately casting its terms of service in a way that puts the consumer at risk of unlimited fraud liability for electronic transactions that have an opaque clearing mechanism. 

There is a clear oversight on this issue, because much as Venmo should adhere to BSA/AML laws, it should also of the Electronic Funds Transfer Act.
On XX/XX/2016 Gateway Mortgage sent an escrow disbursement to my homeowners insurance company. On XX/XX/2016 thee check was returned by the bank which meant my homeowners insurance was n't paid. I got a notice from the insurance company about this which said the payment was due on XX/XX/2016 and they never received a payment. I got in touch with the mortgage rep who emailed the escrow dept and I guess they sent another check by regular mail which means the insurance had not gotten it on XX/XX/2016. Nobody ever offered any kind of explanation for what happened. If my insurance agent had not called them we would have never know they even mailed another check late. I had more than enough money in my account to cover the check. I think they owe me some answers for this, for which they refuse to give. They wo n't even say I 'm sorry. If you call and ask for a supervisor they will just tell you they are all in meeting.
I am currently under the REPAYE program and working towards PSLF while working at a qualified employer. when submitting my annual employment certification form which I have done many times in the past there was a discrepancy with the number of qualified payments between my subsidized loan and my un-subsidized loan by one payment. when I first called the discuss I spoke with someone at XXXX XXXX who did not understand the PSLF process and was told incorrect information about the amount that was needed to qualify for a payment. when I called again and found another representative I was told that in XX/XX/XXXX the payment, which i did not change and never do, was for XXXX XXXX  less than the amount that it should have been therefore disqualifying that payment towards one of my loans for PSLF. The XXXX was charged in the month of XXXX. I was told that there was nothing that can be done about this but I do not feel that a mistake from the platform used by PSLF should be my responsibility. the payment for REPAYE is set by the department of education and I do not change the amount ever and would never underpay a loan by XXXX XXXX.
I am a Puerto Rico resident trying to receive an important information needed by XXXX XXXX XXXX  XXXX XXXX XXXX, in XXXX XXXX, in order to receive my payment taxes reimbursement. The form No. XXXX, has an incorrect information in the elecronic filing confirmation Number. 

I had contact the company many times requesting this important information with no positive response. I also sent a letter dated XX/XX/2018, but as today, no action has been taken to process my request.