WillisBack/dataset-financial-user-claim huggingface dataset:
I do n't believe that I am responsible for a debt that is showing on my credit report. This debt if from XXXX XXXX Apartments I believe they illegally sending information to the collection company I. Q. Data International , Inc as to the amount that I owe in connection with an apartment my daughter lived in to where I cosigned for credit so she could get the apt as she recently moved from XXXX to XXXX. My daughter moved into the apartment on XXXX/XXXX/XXXX and was evicted from this apt complex on XXXX/XXXX/XXXX due to failure to comply with lease agreement. My daughter did go to court proceedings in XXXX and was evicted from the apartment on XXXX/XXXX/XXXX. My daughter did inform there was a attorney bill that she would be resonsible for but they never billed her for. The first notice that I ever received regarding this issue was from I.Q. Data International , Inc. informing that this issue went straight to collections without prior notification to me or my daughter so that we could attempt to resolve any debt or issue. We have never received any billing as to the break down for the charges they are informing I owe as the principal due. I never received a bill period from XXXX XXXX XXXX as to why I owe them this amount. I found out it was on my credit report as I am seeking a new job since I was displaced and was rejected for being hired by several prospective employers due to this collection on my report. I was informed my first step was to send a request to XXXX to remove the debt as well as to I.Q. Data International, Inc for validation of the debt. Today I received a letter from I. Q. Data International, Inc with the cosigner agreement letter and security deposit refund accounting form written up by the manager/owner of XXXX XXXX Apartments from I. Q. Data International , Inc. this is a freeform document where he has written in amounts for termination fee eviction fee repair costs totaling {$3600.00}. No proof of incurred charges was received at all. I am requesting that the item be removed from my credit report due to myself and my daughter never being properly billed prior to being put on my credit report, lack of validation of debt, and lack of clear invoices/ receipts showing legality to the amount owed. I 've attached the letters that I sent priority mail to XXXX as well as IQ Data, Inc.
I kept getting calls from Kinum but did not receive any bills when I received my bill I did call them. XXXX is who identified himself and when I told him I do not have any source of income and that once I do I will pay the bill in full became aggressive, angry and began threatening legal ramifications and would not let me speak he kept saying the same thing over and over and then asked if I had a number of an attorney that I would want him to contact and that they would pursue me. He also started questioning how I paid the phone I was on and asked about other bills I had which I did not know they had that kind of information access. I have worked with and am working with other collection agencies such as XXXX recovery and XXXX and have never had such an awful experience. They were willing to work with me and to wait until I was able to make payments. 
People like this make me want to just file bankruptcy and not try and pay off my debt because if this is what you have to go through it 's extremely upsetting and had me on the verge of tears it was so abusive.
I have never done business with the reporting collection company. I have disputed the information and requested validation of debt. The collection company would not reply to my request for validation. The credit bureau refuses to remove the account, however, their online systems still show the investigation as " pending '' after 3 months, and they never sent me a written notice of the investigation. All of the other credit bureaus have already removed this account from the records due to it containing false information.
In XX/XX/XXXX, I sent a check for {$99.00} to Citibank as payment for my wife 's credit card. The money was not applied to her credit card. Instead, it was inadvertently applied to XXXX of my closed credit cards which was discharged in a bankruptcy in XX/XX/XXXX. I called Citibank on XX/XX/XXXX and inquired about the payment, informing them that I had mailed a check for {$99.00} for my wife 's Citibank credit card, but the payment was not showing on her account. Citibank informed me that they had mistakenly applied the {$99.00} to XXXX of my credit cards that had been discharged in a XX/XX/XXXX bankruptcy instead of my wife 's current Citibank credit card. They then informed me that they would be mailing a refund to me for {$99.00} no later than XX/XX/XXXX. Today is XX/XX/XXXX, and I still have not received the refund. I contacted Citibank again today and they told me that there is a possibility that I will NOT receive a refund, without giving an explanation why. As stated earlier, Citibank has acknowledged their mistake by applying the funds to an account which was closed in XX/XX/XXXX and discharged in bankruptcy.
On XXXX XXXX 2015 I paid Wells Fargo Bank a personal loan in its entirety. A few months later a got on my credit report a negative delinquency status about this same loan. According to the bank, I failed to pay a small balance that I never received a bill for or any type of communication after I paid the loan 100 %. When I learned about the negative credit report reported on me by Wells Fargo, I immediately contacted them and I was given a fax number where I should send a complain and a full explanation. I did sent a fax not only once buy twice after not hearing from anyone at that bank. 

The last thing I did was to sent the same communication I have previously sent via fax but this time I did overnight it and still nothing happens with this people. Meanwhile, my credit records has been damaged by this situation.
I paid in full XXXX $ to XXXX XXXX XXXX at XXXX on XXXX2017 by way of their online portal as outlined in XXXX XXXX XXXX. By XX/XX/XXXX I am receiving debt collection letters from Optimum Outcomes who states they now own the account, in addition to phone calls at least 6-8 times a day and weekends. The company has damaged my credit showing past due collections through credit reporting agencies with all accounts showing open and current collections. This has created significant damages against me, as I have been declined by a housing creditor due to the false information obtained in my credit report. I have disputed the matter with no resolution and disputing the matter through the credit bureaus additionally have shown no effect. This is not compliant with the Fair Credit Reporting Act.
I made a payment of the incorrect amount to XXXX XXXX XXXX, they did not notify me until after 30days and then proceeded to put a 30 day late mark on my credit reports. I have contacted them and they refuse to work with me. They are the worst company I have ever done business with!
In XX/XX/XXXX I obtained a payday installment loan from XXXX. I was unable to keep up on these payments, so decided to do debt settlement on this ( and other debt ) through XXXX company. I settled all my debt in XX/XX/XXXX have been making monthly payments since. In XX/XX/XXXX the debt was converted into a debt consolidation loan with XXXX. I have been paying timely payments on the whole of debt ever since. Now my employer as well as myself are being repeatedly contacted by Nationwide Debt Management XXXX ( or NDMS ) XXXX XXXX XXXX. XXXX XXXX XXXX CA XXXX asking for payment on my debt to XXXX I no longer owe this debt! I asked for a validation of debt and received only an e-mail. Not to mention the amount was far higher than what I originally owed as well ... very concerning.
Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquires be removed.
My Name is XXXX XXXX. Am looking at my credit report and there are 8 hard inquiries from the following companies that an disputing because i haven't had any dealings with them. 
1. XXXX. There are 5 inquiries from this company dated - XX/XX/XXXX - XX/XX/XXXX Two inquiries on the same day. 
- XX/XX/XXXX - XXXX. 
2. XXXX XXXX- there are 2 hard inquiries dated - XX/XX/XXXX - XX/XX/XXXX 3. XXXX XXXX. There is 1 Inquiry dated XX/XX/XXXX. 

I have not had any financial dealings with these companies and thus would like to dispute these inquiries. 

Yours respectfully XXXX XXXX XXXX.
XXXX is reporting that I am delinquent in repaying a loan obligation, however they are unable to provide documentation to substantiate claim. A default claim was denied temporarily in XX/XX/2012 however the status has not been updated to 'permanent ' after three years as per required by law. This status is improperly reported to credit reporting agencies as being delinquent however they ignored a complaint I filed with them several years ago.
Good day : I am behind on my car payments with Honda Financial Services. I made attempts to resolve this issue by coming up with a repayment plan. 

1 ) Honda did a hard inquiery on my credit report without my knowledge or consent. 

2 ) I have been receiving phone calls from a woman named " Investigator XXXX '' ( XXXX ) XXXX. The person has been calling non stop, on my cell as well as at work and also texting me. I am not allowed to receive personal calls at work as I work for a private college. " Investigator XXXX '' has been very " threatening '' me. I spoke to an attorney, XXXX XXXX, who tried to located her in order to send her a " Cease and Desist '' letter but was unable to locate her address. 

3 ) A woman named XXXX from Honda called MY secretary at work, on her personal cell phone asking her to have me call her. First, I have no idea how she got a hold of my secretary personal cell number, but second it is absolutely unnaceptable. ( XXXX XXXX ). 

4 ) The repo company, to which I have no idea who they are, and my attorney tried to locate them, again, to no avail, has been calling me non stop at work as well. 

I have never been so harrassed by a debt collector in my life. I am terrified by the calls - and I asked many times to NOT call me at work. 

I want to resolve this issue but no in fear. 

The fact that they called my secretary on her personal cell number is not ok.
Multiple Complaints:1 ) payment information is misleading to the consumer - Loan is paid in full and automated phone system and online system still shows a payment due on XX/XX/XXXX. 2 ) The fees charged for payoff letters are excessive. {$30.00} is ridiculous and was charged for them multiple times in a 30 day period. 3 ) Escrow and details of loan and payments need to be easy to see online, NOT JUST WITH PAPER STATEMENTS. 4 ) last but to me the most important is an issue with them reporting a 30 day late when I did make a payment online before the 30 days - there was a technical problem with it going through and I wasn't notified in time to fix it before the 30 day mark and they won't fix it on the credit reports. I have NEVER had a 30 day late on my mortgage since inception and they can see that. The property was under contract waiting for closing so I was making payments after the due date but paying the late fees accordingly. I also paid AS SOON AS I KNEW about the problem - I called and submitted written requests for them to correct but was denied multiple times. I think this is wrong. This error dropped my credit score over 250 points overnight. This loan was with XXXX and I never had an issue until it was sold to Freedom Mortgage in XX/XX/XXXX.
I bought a vehicle in XXXX and have been paying on it since XXXX XXXX. The finance company has charged me a one year forced insurance policy TWICE, and refuses to send me any thing in writing telling me what I am paying, such as totals, premiums, cost. They have raised my car payment from the original amount of $ XXXX month to $ XXXX month. I was paying {$670.00} since XXXX XXXX for supposed forced insurance. I was never given anything in writing and have no idea what the total amount I am supposed to be is, or what it is for exactly. When I asked them for proof of the insurance they are forcing me to pay, they said do n't have to give it to me because it is just to insure the vehicle. I have spoken to a home office person, a branch person and neither will send me a statement of pay off, or anything breaking down how much I owe. They will only give me a total payoff of the vehicle over the phone. The vehicle has now been repossessed because I refused to pay the higher payment. I even offered to pay XXXX of the original payments and they refused saying that payment " is gone now ''. The pay off amount they do tell me is several thousands of dollars higher than what my original contract amount was. ( 2.5 years ago )
Can not get Wells Fargo to issue a title so I can register this truck. I purchased the truck in XXXX 2015. The truck is parked because I can not register or insure it and therefore I can not drive it.
We purchase furniture through freedom acceptance corp, I was recently reviewing our credit report and found that we have a judgment in XXXX against us that was filed in 2011. I do n't understand how a judgement in XXXX can be filed against us when we dealt with and made the initial purchase in XXXX. Freedom Acceptance Corp also has debited our bank accounts for unauthorized payments, charged unreasonable fees to make automatic purchases, made collection calls 5-7 times per day. I asked for a written invoice several times and I have never received one.
Creditor is reporting accounts that are invalid and unverified. XXXX   and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


XXXX XXXX XXXX Account Number : XXXX Account Type : Open Account Account Status : Closed Monthly Payment : Date Opened : XX/XX/2017 Balance : {$310.00} Terms : High Balance : {$310.00} Limit : Past Due : {$310.00} Payment Status : At least 120 days or more than four payments past due Comments : COLLECTION ACCOUNT
On XX/XX/XXXX I chatted in great detail, nearly 30 minutes, online with a XXXX XXXX representative XXXX XXXX who confirmed that she would initiate a dispute for XXXX XXXX Store Card transaction from XXXX. On XX/XX/XXXX I chatted online with a XXXX XXXX representative XXXX XXXX  who confirmed that the dispute for XXXX XXXX Store Card transaction from XXXX. was indeed initiated and is " under process. '' Today, Friday, XX/XX/XXXX, at XXXX, I received in the mail, a letter from Synchrony dated XX/XX/XXXX. This letter states I have 15 days from the date of said letter to complete the Dispute a Transaction form and return it XXXX XXXX   -- 11 days have already passed and it is the weekend. As I have indicated, I have already contacted them twice and was told both times the dispute was initiated and in progress. Synchrony 's policy states I will receive in writing the investigative findings of the disputed transaction in two billing cycles. Two billing cycles have passed and now they pull this? This makes no sense, unfair and is just plain wrong. I have copies of both online chats with Synchrony regarding this issue.
I sent a debt validation to the collection company ( Pinnacle Credit Services ) on XXXX/XXXX/XXXX The company received the debt validation on XXXX/XXXX/XXXX. The company responded to the debt validation on XXXX/XXXX/XXXX. Upon review of the package sent, the company did n't provide any proof the account actually belonged to me. The company sent several statements but they did not a line with XXXX. The called the company asked if they could send me a copy of a user agreement signed or any proof that this account belong to be, I was told I needed to contact XXXX. After contacted XXXX, I was told that they did not have a user agreement or anything because the account was set through a third party ( XXXX ) in XXXX of XXXX. Since then the company XXXX XXXX has closed down, so there is no way to get a response from the company. The company is charging {$300.00} in termination fees for XXXX lines of service and balance of {$1000.00}. There was never a payment made on the account. The account was opened XX/XX/XXXX and closed in XX/XX/XXXX for non-payment. The company can not provide any proof that I actually opened the account and can not provide an agreement says that I agreed to a termination fee {$300.00}.
On my second payment to the mortgage company, I started sending weekly payments, because my mortgage company did not offer bi-weekly payments to help reduce my principle. So every week I would send {$320.00} and it would build up in a suspense account until it reached {$1200.00}, then a payment would be applied and the remaining money in the suspense account would go toward principle. 

It's important to note that every month, my lender would send me a letter acknowledging short payments and that " ... this amount is not sufficient to cover the full amount of your mortgage loan periodic payment. As as result, these funds have been placed in a suspense account. The funds will remain in the suspense account until you have remitted sufficient funds to equal a full periodic payment. Once you have remitted sufficient funds and the amount held in the suspense account equals a full periodic payment, the Bank will promptly credit the payment to your mortgage loan account. ... If excess funds are also included when you submit the additional funds necessary to cover your periodic payment, those funds will be posted as a principle curtailment upon receipt of your next periodic payment, unless you instruct us otherwise. '' This worked great and without issue, from my first weekly payment sent XX/XX/XXXX, until XXXX, XXXX, when I received a late fee of {$47.00}, because they changed how they were applying my payments WITHOUT ANY NOTIFICATION. I called my lender and they promised to waive the late fee ( since it wasn't late ) and instructed me to change how I was making payments. Lender advised me to start sending separate checks, one for monthly payment and other with PRINCIPLE ONLY written in the memo field. I started doing this on XX/XX/XXXX and sent one check weekly for {$280.00} and another one for {$36.00} marked PRINCIPLE ONLY. 

My XX/XX/XXXX statement showed my late fee as PAID, but then shows ( {$47.00} XXXX in parenthesis under fees and charges paid since last statement. So I'm not really sure if they did credit me that late fee or if they stole it from me, since it was never late. 

Fast forward to today when I'm reviewing my XX/XX/XXXX statement. Now it appears that NONE of my {$36.00} principle only payments have been applied to principle. Instead they're just throwing all of the money in the suspense account to pay my regular mortgage payment when it reaches {$1100.00}. This is completely unacceptable and likely illegal. I tried calling my lender today, XX/XX/XXXX, but the representative only said " so you want me to apply the $ XXXX+ in suspense account to principle? ". It's abundantly clear that my lender is committing fraud with my account and has no interest in actually servicing my loan and helping me correctly apply payments to principle. They charged me a late fee, when my account has never been late. They changed the way payments are applied without sending me notice.
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX and I had a Wells Fargo VISA Signature Card ending in XXXX. 

I received a letter from Wells Fargo on XX/XX/2016 noting that there had been some suspicious charges on my account and that if this particular account activity continued after receiving this letter, Wells Fargo noted they would close my account. 
The charges were valid charges, however, I followed the direction and did Not make Any Additional charges whatsoever After receiving the letter on XX/XX/2016. As I state, I followed the letter 's directions exactly, and did Not make Any Additional charges after being directed. 

Logging into my online account a few days afterwards, I noted that my credit card has now been closed without warning or letter from Wells Fargo. More importantly, the {$1500.00} in Wells Fargo Go Far Rewards have not posted and have been XXXX out. 

This is wrong. I received a letter from the credit card company/bank and I followed the letter 's directions and did n't make any additional charges. Additionally, for them to close my credit card account outright without notifying me first is also wrong I believe. All charges were valid. Lastly, if they so choose to close my account for whatever reason, I should be entitled to the {$1500.00} in rewards points I rightfully earned. 

Wells Fargo runs a promotion and refuses to pay out to their customers? I believe this is wrong and I am expecting to get paid out my {$1500.00} in rewards. I am hoping you can step in on my behalf. 

Wells Fargo is deceptive and wrong. They claimed they sent me a letter, which they did as stated above. They clearly told me what not to do and I followed their directions exactly. 

I am Tired of Big Banks taking advantage of us. My husband and I have a {$400000.00} mortgage with them as well. IF they seriously want to continue to harm their customers, I will be refinancing with a different institution.
XXXX shows me that I opened a home loan in 2011 which is incorrect. I do n't even own my own home and I never have. I 'm only XXXX XXXX XXXX. I would like to get that information pertaining to false home ownership taken off my file. I do n't know where that came from but again, I did n't apply for a home then and I never have apllied for or received a home loan. Thank you.
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
The XXXX Accounts should be blocked from my file as they were opened as a result of ID theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my Identity Theft Report A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Fair Credit Reporting Act Section 605B