WillisBack/dataset-financial-user-claim huggingface dataset:
ON the XXXX of XXXX I got alert from XXXX that a collection was added to my credit, when I checked the information it came from this collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. 
XXXX Amount is {$610.00} I disputed the information on my XXXX report with a statement that the following never took place before the collection agency report the information on my credit A. I never receive any form of communication from the collection agency both mail and phone calls B. I was never given the 30days grace to acknowledge or dispute the debt. 
c. they did n't follow the protocol on debt collections D. I told them to remove it from my credit and go through normal process of collections, they tried to bully me by telling me when I pay they will remove it. which I refuse E. after my refusal, they decided to sent a notice through my email, immediately I dropped the  call with them, dated XXXX XXXX specifying I have 30days to dispute the debt. by sending the email today and dated XXXX XXXX I told them I have until XXXX of XXXX to respond after which if I fail to act they can then report it to credit bureau but they refused please kindly tell them to follow the due process and do the right thing, because they ca n't send me notice today the XXXX of XXXX when I challenged them, while they already report the information on my credit without the notification and 30days response.
I have XXXX accounts reporting on my credit report as delinquent -- XXXX from XXXX 's and the other from XXXX XXXX. I have disputed these accounts multiple times, but they nevertheless have not been corrected. 
The XXXX 's account does not belong to me. I have never had an account with XXXX 's. The account was opened in XXXX 2016, and apparently was never paid. The notation indicates it was charged off. I have also contacted XXXX 's advising them that this is a fraudulent account. 
There are also XXXX currently open XXXX XXXX accounts -- XXXX with a zero balance and XXXX with an approximately {$1600.00} balance. I disputed these accounts due to not recognizing them. While the matter was in dispute, XXXX XXXX reported these accounts as delinquent. I disputed each XXXX XXXX or five times over the past six months. Once I finally received verification from XXXX XXXX, I quickly paid both accounts. However, they are still reflecting past due payments. I was under the impression that creditors were not permitted to report an account delinquent while it is in dispute, and once the dispute is resolved, the creditor must give the cardholder an opportunity to make payment before reporting the account delinquent. The person 's name I was dealing with at XXXX XXXX is XXXX XXXX. Her number is XXXX ext XXXX.
Re : Macy 's credit card issued through " department stores national bank ''. 
Macy 's representative in XXXX, XXXX XXXX ( NY ) prompted me to open Macys card account with offer of additional 40 % off atop the daily discounts. So, I then spent 2 hours time putting together sizeable wardrobe. When cashier helped me open account by phone and having to provide significant personal info, I was then told " denied ''. Interesting because I am a XXXX, excellent credit, XXXX debt, never denied such in my life. I overheard someone else in store saying same thing happened to her and another. This was XXXX XXXX, 2015. I left store without purchase. Today XXXX/XXXX/15, I receive a Macy 's credit card, never again elIgible for the 40 % incentive for new accounts. I suspect scam luring cutomers into opening card, not to mention the personal information used for marketing sharing. I am on phone with card company canceling and am also now told that the 40 % had a {$150.00} cap. I know what I heard as well as telling rep I was off to " spend a lot of money '', so I 'm certain she understood it was more than {$150.00}. 
Again ... .arguably ... a scam and what a waste of my valuable time. Thank you.
OCWEN Loan Servicing Center, LLC Attn : Escrow Department XXXX, XXXX XXXX RE : Escrow erroneous payment collections & over collecting of funds not disbursed as claimed ( FRAUD ). 
ACCOUNT # XXXX I have called Ocwen for over 6 months now to correct my escrow account related to my home and it still has not been corrected. Attached you will find documents proving the following. 

1. Ocwen is over collecting for property taxed owned annually on the property. The city of XXXX tax Bill is {$2300.00} for XXXX Not {$2900.00}. That 's a difference of {$510.00} that was over collected and missing. 

2. See the attached receipt from the City Of XXXX showing that a payment in the amount of {$1200.00} was received on XX/XX/XXXX not the {$1700.00} as reported by Ocwen. Ocwen is not trying to collect an additional {$670.00} for a shortage they claim is owed on my account for XXXX taxes and a shortage for XXXX. 

3. According to my records OCWER over collected on the taxes for XXXX and are billing me for XXXX for more than what is actually owed? Ocwen 's records show the taxes are {$2900.00} but in actuality they are only {$2500.00} Again, over collecting for the year XXXX. I am being over charged annually and billed for over payments causing my monthly mortgage to rise annually. 

I would like a review of my escrow account to be conducted and every penny accounted for. I would like OCWEN To contact the city of XXXX to see why they show a payment of only {$1200.00} being made on my behalf in XXXX from OCWEN but Ocwen report a payment of {$1700.00}. OCWEN needs to find the missing {$420.00} that was not posted to my property tax bill and also not reflecting in my escrow account. This money did n't simply disappear!!! OCWEN needs to adjust my escrow account to reflect the correct annual tax amount to {$2500.00} not {$2900.00} so I am not being over charged and more money disappears. 

Once the escrow account is reviewed, and all money properly accounted for my escrow account should not reflect a shortage of XXXX at which time I respectfully request my escrow account be closed. I will start to pay my tax bill directly to avoid over charging, lost payments and release myself from what I feel is a completely incompetent escrow accounting system OCWEN partakes in. 

Please feel free to contact me directly at XXXX or by email at XXXX Sincerely, XXXX Account # XXXX
I checked my credit report to find that Bank of America is reporting my account as 30 days past due one time. I do n't ever recall being past due on this account and I find it quite odd that 1 ) it has n't been updated since XX/XX/XXXX and 2 ) they fail to indicate on the report when ( what month and year ) I was allegedly " past due. '' When I wrote to them in XX/XX/XXXX, their response was that " there was no payment record error made and the delinquency that appears on the file is valid. '' I do not agree with this. They fail to indicate when ( if at all ) I was past due and refuse to remove it. I specifically request verifiable proof from Bank of America to confirm the accuracy and validity of said reporting and if they can not comply within 15 days, which is plenty of time to satisfy my request, I request that the derogatory remarks of " Past due, 30 days '' be removed from the reporting of this account from all three major credit bureaus, XXXX, XXXX and XXXX.
My name is XXXX XXXX XXXX, I recently reviewed my credit report and discovered the following addresses listed. These addresses are inaccurate. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
This investigation is still open under case file number XXXX. I have been patiently waiting for both XXXX and Transunion to delete the fraudulent hard inquiries that appear on their profile. I am attaching letters received from the businesses involved that absolve me from these fraudulent applications for credit or services. I did not apply or solicited these credit and they should be removed as soon as possible. have made numerous dispute initiative to both XXXX and TRANSUNION to remove these inquiries.
I apparently signed a document authorizing you to run my credit in error. I naively assumed the " consumer report '' you would be running would be thru a company like XXXX, as this is a payday loan involving a check as collateral and not an actual line of credit. I was surprised and upset to find it was actually a credit check ran thru XXXX. The build up of your hard inquiries has caused a dip in my XXXX of about 25-30 points. Causing it to be lower than my XXXX and XXXX scores which I've worked hard to build up. I know for a fact that I've received payday loans from your company in the past " in store '' and no credit report was ran. Is your policy different in store than online? At most I would expect a soft inquiry to be ran. Not a hard inquiry. Payday loan companies lure customers stating this is a loan that will " not '' affect our credit. But when you run hard inquiries every time we re-loan that DOES affect our credit negatively. I would ask that you kindly revise the inquires in question to " soft inquiries '' with the credit bureau so as to remove the negative impact to my credit scoring. Is that possible? I have been a repeat customer of yours over the years. But if this issue can not be resolved by revising inquiries to soft inquiries I will not be using you in the future. There are many pay day loan companies that do not run a credit check at all. I do not understand why your policy would be any different for the same product. The inquiries in question are dated below : Check Into C Inquiry from XX/XX/2018 Check Into C Inquiry from XX/XX/2018 Check Into C Inquiry from XX/XX/2018 Check Into C Inquiry from XX/XX/2018 XX/XX/2018
Specified Credit Association continues to try to collect a debt that I do n't owe them. I never established a contract with this company and they have continued to call and harass me on my work and home phone and sending me harassing letters indicating that they will report the negative item on to my credit reports if I do n't pay them. They are breaking the FCRA laws.
We had tornado damage to our house, XX/XX/XXXX & we sent our insurance check to Ditech Financial,  mortgage holder. We are asking for the final amount {$1600.00}, to be released. 
I have been in constant contact with Ditech Financial via phone & emails since I mailed our insurance checks.
inquiry victim today i checked my report again i have inquires from companies i never authorized on all  XXXX  credit reports  XXXX ,  XXXX ,  Trans  union.   I called th e Credit reporting agencies they told me to call the companies, i called the companies and they said for me to send a copy to them and need to investigate it because the Credit reportin g agencies make mistakes.
I initiated a dispute online with Trans Union. There were several items that were paid and not showing correctly and XXXX items that were paid to the hospital and should not have been reported. Once I received the investigation results the XXXX items that should not have been report were listed as Verified and Not Updated. I called the issuing company and they confirmed that they reported to the Credit Bureau that those accounts did not belong to their company and to contact the original creditor. They sent me a letter stating that as well. I then contacted the Hospital ( original creditor ) they confirm that the account was satisfied. I called Trans Union XXXX to get a better understanding. Today being the XXXX call. I spoke with the initial rep who was having computer problems as was the case XXXX days before. I requested a supervisor who was also unable to help me and requested again that I call back at a later time. I do n't understand why the information was not removed from my credit report. If the creditor did not verify it as their account why was it not removed. I would like the XXXX items removed.
I am seeing a hard Inquiry in my credit report from unknown agency XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XX/XX/XXXX These are coming in Trans Union and XXXX both and I do not remember I have authorized any one of  them doing it,
There are XXXX liens showing up with XXXX which only list XXXX Release of tax lien XXXX {$23000.00} and TransUnion XXXX same {$23000.00} different doc numbers and TransUnion also list XXXX $ XXXXThese were a mistake that have been resolved, I even went to the court house. I explained that numerous times, XXXX removed all. What do I need to do so these XXXX agencies comply with the law. These were filed in error no tax liens existed on my business.
I have taken reasonable steps that have been above and beyond the typical request that a consumer would need to make to obtain very basic information from Wells Fargo Bank N.A. 

However, the history of my CFPB complaints will show that all of my inquiries and testaments are consistent. However, it should be extremely visible to the CFPB and other regulators that Wells Fargo Bank has committed Fraud and a Breach of Contract in its duties to protect / preserve the Mortgage Note to my home. 

As a former Investor on my home loan, XXXX XXXX has been very forthcoming with its recollection of my account. Executives at XXXX XXXX have also been able to shed some light on their relationship standing on my loan, as the Trustee for XXXX XXXX. 

Wells Fargo Bank is the Bad Apple of the bunch. 

Wells Fargo has performed unlawfully and unethically in its duties to service my home loan. It does not care about its Investors or its Certificate Holders / Shareholders. 

I urge the CFPB to submit the following to the agencies that I have identified below to revoke the Servicing License for Wells Fargo : To XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXX XXXX at XXXX PM Greetings, I am reporting Fraudulent Loan Servicing and Foreclosure practices by Wells Fargo Bank XXXX ID XXXX. 


My records may be reviewed online via the Consumer Financial Protection Bureau website and via recorded documents within the XXXX XXXX, PA XXXX of Common Pleas. 

The information within the resources shown above reflect massive Loan Servicing Fraud. 

Wells Fargo 's XXXX XXXX # XXXX ID XXXX should be suspended and ultimately revoked based on its fraudulent handling of my home loan. Recorded documents reflect dishonesty and securities fraud. My loan was securitized in XXXX, and Wells Fargo sold my loan again in XXXX XXXX, and then again in XXXX. 

This is worse than Wells Fargo 's opening of thousands of bank accounts without a customer 's consent. 

The actions in my case are likely to be widespread among its servicing accounts, and if it 's true, we could face similar risks to the events that occurred in XXXX that toppled the housing industry. 

Prior to reaching out to regulators, I made many earnest attempts to resolve this with my loan servicer ( Wells Fargo XXXX ID XXXX ). 

I have spoken with several managers in Wells Fargo 's Office of the President who were very uncooperative. 

I recently spoke with XXXX XXXX and XXXX XXXX -- employees in Wells Fargo 's Office of the President. 

Today, I advised XXXX XXXX a Manager in Wells Fargo 's Office of the President of these fraudulent actions, however, she was rather nasty and inconsiderate. 

I also mentioned to her that she has the responsibility to resolve my concerns promptly or to expect me to reach out to regulators and Wells Fargo shareholders. 

She did n't care! 


After reviewing the level of fraud in my case, penalties and greater enforcement against licensee # XXXX ID XXXX should be warranted. 

Thanks, XXXX XXXX
WestLake Financial is a predatory high interest lender and they approved our loan initially. After approval, they claimed that the first payment was late so we have to return the loan back in Full with their additional Processing Fee. We contested the processing fee but they wo n't budge and threatened to file a lawsuit and even started sending us legal notices in certified mail. We return the loan along with the processing fee. In the mean time, there were 2 monthly payments that were made. When we asked for those Monthly payments to be returned, they flatly refused claiming that they do n't return any Payments despite the fact that Loan was Paid in Full without any deductions for monthly payments made.
Coinbase.com n local XXXX trying to buy bitcoin to invest n the scamed me for aXXXX on coinbase XXXX  on local bitcoin
I was sent a letter to owe the amount of {$51.00} on my BANANA REPUBLIC credit card account. I paid off all amount that was due on that credit card and it currently shows on my online account that I have no amount due at this time. 
The last payment I paid in full was in XXXX XXXX, 2015. 
I do not understand why I am receiving a letter from the collection department for an amount that I did not even spend. Please fix this false statement.
FRAUDULENT NAMES : 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX 2. XXXX XXXX XXXX XXXX, XXXX XXXX FL. XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXX XXXX FL XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX FRAUDULENT PHONE NUMBERS : XXXX 2. XXXX 3. XXXX 4.  XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. XXXX 11. XXXX 12. XXXX 13. XXXX
Steward financial loan terms are keeping me underwarter on my car loan, despite attempting to refinance directly thru them, and all attempts to make the issue better and financially feasible for both parties. 

the representatives are rude, do not listen to customers, have horrible attitudes with the power to make ones credit report horrendous. 

i have walked into 4 separate car agencies attempting to get out of the sub prime loan with each unable to assist due to the XXXX negative equity,. 

i have made two years of on time payments, per experian credit report. I was late 1 business day and they were not graceful in helping me keep that from being reported. 

the orginal loan was for roughly 20K with monthly payments of XXXX after two years the principal of the loan has only went down XXXX dollars.
I had an ad on the page at the site where I pay my electric bill. It was XXXX  Credit Report offering a FREE credit report from 3 different credit scorers. " " XXXX Official | Get Your XXXX   Report '' I have never done this before. I am a senior living on SS and wanted to know my score. I clicked on their ad. It was explained to me that they would take {$1.00} out of my card but would refund it to me. Today I went to check my bank account online. I saw a company I did not know OTL*ScoreSense had taken {$39.00} out of my bank account on XX/XX/XXXX without my knowledge or permission. I can't afford this and to me it is theft. I put OTL in XXXX search and saw many complaints that this company had did this to may others some had not noticed it the withdrawal or fees for months. The company directs callers to XXXX XXXX where their customer service representatives are located. Everyone is told the same thing that they have no authority to reimburse or return money. It is Saturday so I have not tried yet but don't expect any other response. The company also will not close " your account '' where they claim they are protecting your credit cards from fraud. They are the frauds. I never asked for this service or signed up for it. I had given them my information on XX/XX/XXXX under their direction they needed the {$1.00} but I would be refunded. That {$1.00} was taken out by OTL*ScoreSense and wasn't refunded. I am worry sick they will not refund my money and take more after reading the FTC and the states of Ohio and Illinois brought lawsuits against One Technologies, owners of ScoreSense, in XX/XX/XXXX. Most of settlement money -- XXXX XXXX was refunded to customers and that was closed in XX/XX/XXXX. Here they are continuing the same fraud today in my state Pennsylvania and others.
XXXX collections from California Business Bureau are on my credit reports. The hospital made billing errors with insurance co and should not have reported these. They corrected the problem, sent me an email explaining they had contacted collection agency to remove. I also got a letter from the collection agency apologizing and promising to remove negative info. Letter dated XXXX/XXXX/2016. This has not been done, All XXXX credit bureaus told me they have not been contacted by collection agency. This is a significant error on my report and has caused me other credit problems, lowering of credit limits, credit denial. All I want is this fixed by removing these. There are collections that are also incorrrect. Can you give me attorney information that I may contact here in XXXX XXXX to help me with these. It is very tiring and time consuming and I am ready to hire a professional to handle this for me. When I called the collection agency I was handled very rudely by some female who may or may not have been nothing more than a secretary. It was apparent she had no desire to help or even cared that I was concerned about correcting this issue.
I disputed an address I have n't had since the XX/XX/XXXX which tied me to an erroneous collections item, which I also disputed. I received a letter back from Equifax agreeing to delete the address I lived at over 30 years ago with my ex-wife ; however, they said the collection item was still mine. The collection item was with XXXX XXXX and their XXXX XXXX XXXX , XXXX XXXX I explained that for the last 27 years, I lived in XXXX, XXXX with my wife and then moved XX/XX/XXXX to XXXX, XXXX. Unless there is an issue of someone using my social security number, there is no way this account can be tied to be based solely on me living there XXXX some years ago with my ex-wife. I have tried to resolve this issue with XXXX, the collections agency and the credit bureau but to no avail. XXXX XXXX, Executive Customer Relations, XXXX, XXXX XXXX recognized that the social security number on the account did not match mine. However, he said in an email that while their " skip tracing does place you at the account, this may be a case of identify theft. '' Also to be noted, there have been several XXXX addresses and an XXXX, XXXX address added to my credit report since these collection items have been added to my report. I suspect they are now blending my file with someone else 's. In any case, I will continue to pursue this error. I have XXXX so I can ill afford to pursue a legal remedy as my next course of action, but I have successfully gotten help from my Congressional Representative in the past and will likely pursue this avenue next. I 'm hoping though that your Agency can resolve this since your role is to oversee the fair practices of the Credit Bureaus.
in XX/XX/XXXX. 2015, began trying to rebuild my credit. so, I paid off XXXX of the XXXX delinquencies on my credit report. These XXXX delinquencies were medical bills owed to the emergency room at the XXXX hospital XXXX. XXXX for XXXX $ and XXXX for XXXX XXXX the debts were paid to XXXX. on XXXX XXXX, 2015. Since I paid these debts, they have been sold to XXXX different companies and shown back up on my report. I have not been able to raise my credit due to these reoccurring unowed charges. please remove this from my credit and make it impossible for this crooked company to sell the debt to someone else.