WillisBack/dataset-financial-user-claim huggingface dataset:
Dear CFPB, I am writing to dispute the following information below thats on my Equifax credit report : Bankruptcy Per Equifax states that on XXXX XXXX, XXXX they verified with XXXX that a bankruptcy was on my file. However I have attached proof that the information is not true. Equifax did not verify such information because there is not a bankruptcy reporting on XXXX and my file has a security freeze that was placed on my account XXXX XXXX, XXXX. I have also attached proof of that as well. 

My concern is that we put trust in a company such as Equifax that has the power to affect consumers wellbeing and quality of life but theyre not following the Fair Credit Reporting Act, something needs to be done about this. Im just looking for some help and relief to get this matter resolved as soon as possible and the bankruptcy deleted from my credit report. Thanks
I checked my credit report on XXXX XXXX and found a creditor on my report that I don't recognize and did not give authorization to. It was made on XX/XX/XXXX and showing up now and is on my credit report to XXXX. I did not do this nor did I give this financial company authorization to use my report. Thankyou
BROOKWOOD ( USING SELECT  MGT. ) HAS ON NUMEROUS OCCASIONS CALLED ME AT WORK AGAINST MY EXPLICIT INSTRUCTIONS TO STOP CALLING ME AT WORK. IN THE PROCESS, THEY HAVE REVEALED TO MY EMPLOYEES THAT I HAVE A LOAN AND THEY ARE A COLLECTION AGENCY. THEY EVEN TRIED TO VERIFY MY EMPLOYMENT ON  XXXX / XXXX / 17 . THEY HAVE BEEN AGGRESSIVE AND THREATENING WHEN I HAVE SPOKEN TO THEIR  COLLECTORS  THREATENING LEGAL ACTION. I HAVE ATTACHED PHOTOS OF THE CALLER ID AT MY WORK. THEY WO N'T STOP CALLING MY WORKAND EMBARRASSING ME.
on XXXX XXXX I find out thatCollection Services Of AthensXXXX XXXX XXXX, GA XXXXhad place a new collection on my credit report immediately I sent them a letter Disputing this Alleged Debt they received my letter on XXXX XXXX 2015 in this letter I informed the that I was disputing this information under USC 1692g Sec. 809 ( b ) in this letter I requested A copy of my doctors order for services performed by alleged Creditorprovide Alleged Creditor Name, Address, Phone Number and Full account Number with alleged creditor and a complete Itemized Bill as require by federal law any medical facility to provide itemized invoices upon request. 
they Responded to my request for verification on XXXX XXXX 2015 the did not provided any of the proof requested instead they sent me a letter saying that they had contacted their client and that their client had confirmed that the Name and Address on the Account was CorrectThe Courts have Ruled that knowing Some ones Name And Address is Not Enough to Validate an Account. 
I sent them a second letter on XXXX 2015 giving the a second opportunity to validate this account by providing me with the requested information. 
A copy of my doctors order for services performed by alleged Creditorprovide Alleged Creditor Name, Address, Phone Number and Full account Number with alleged creditor and a complete Itemized Bill.
My husband andihave been trying to get our modification cleared up since 2010. We were in the process of being approved for a modification when pur mortgage was sold. We were never notified of our changed interest rate and allowed to resume payments and have been struggling to get a modification every since. We have app, XXXX at least XXXX times and have verbally denied each time with no written documentation toback this up Now we are considering g filing another Chapter XXXX tAnd payingtheXXXX payments arrears just so we can remain in our home. XXXX, y want to be able forest me payments with arrears put to the back of the loan we are not looking for a lower payment.
They are n't doing what the government says lenders should do to provide foreclosure alternatives to help homeowners in foreclosu.re
Upon reviewing my XXXX, XXXX  and XXXX  credit reports, I noticed a debt which has not been validated, reporting by a collection agency I am not familiar with. After further review and upon visiting the NC Department of Insurance website I realized not only is this not a company I'm familiar with, but they are illegally reporting me to the credit bureaus because they are not licensed to collect in the state of North Carolina.
I have contacted Fair Collections & Out many times to dispute this account that they are reporting on my credit file. To date, they have not provided me with proof of this account, nor have they responded to the Fraud Affidavit that I submitted to them. They have deliberately violated the FCRA in not responding to my request and in reporting information that do not belong to me.
My credit report with XXXX and TransUnion reflect missing payments to those who are granting me credit and any notices i may receive about denied credit reports on the contrary. My actual report that I see shows my account as being 99 % on time for not less than 10 years therefore creating a disparing difference. My credit score went down recent 37 points indicating I had a missed payment but upon review there is no such reports. This is a huge infraction and violation to my SCRA right and need this to be review and corrected.
This account has been paid off and it is still showing as a current debt from 2011 as per FCRA requirements this should be closed, this debt is no longer valid
I set up direct deposit of my XXXX XXXX  Payment with XXXX XXXX for the first time. This was to start XX/XX/XXXXand I advised them of same. Approx 2 weeks prior, I updated my address, went in person with my lease etc.. On XX/XX/XXXX I saw the deposit. The morning of XX/XX/XXXX I called to verify its availaby. I was told check back at XXXX XXXX  and XXXX XXXX. BetweenXX/XX/XXXX-XX/XX/XXXXI called 9 times. I was barred from the online access so could not view the pending deposit. After the 3rd or 4tth call, I was told YOUR ACCOUNT IS SHUT DOWN FOR REVIEW. YOU HAVE NO ACCESS TO ANY MONEY, ONLINE ACCOUNT, DEBIT CARD. ETC. They said probably til Monday XX/XX/XXXX. I said who will I speak to MONDAY ABOUT THIS? I was told that a XXXX XXXX  froze my account. I advised XXXX XXXX  employees over and over that I was XXXX live alone with my dog, had no food for either of us, no medication, missed doctor appointment, no gas. I finally went in person to XXXX XXXXXX/XX/XXXX approx XXXX XXXX. I was turned away, told I HAD TO HAVE AN APPOINTMENT. Late in the day XX/XX/XXXX I Received Checks for this account. I went to the pharmacy, wrote a check for {$12.00} for XXXX as Id been ill 2 weeks. The check went through. I then proceeded to get a few groceries ( extremely extremely hard for me due to pain ). I wrote a 2nd check for the food. I was told the check was declined. The mngr called to question what happened and the person stated her bank is declining the check. I was forced to leave all my food and dog food there, leave the XXXX there, and ask for my {$12.00} back, which I received. I had only that to get food for myself and dog, and gas. Needless to say, we are starving still today XX/XX/XXXX
Ref- Case number : XXXX I just received a call from a representative at Wells Fargo 's Executive Resolution Department where she explained to me that Wells Fargo 's conclusion to my complaint is that I should 've " tried harder '' to get a hold of my processor if I truly wanted to lock in the rate the date that I emailed him. She also proceeded to explain that if I could n't get a hold of him over the phone that I should 've escalated the issue to a manager so I could get a prompt response. I explained that perhaps I would 've if I would 've gotten an out of office response from my processor, but he neglected to have one set up on his email and voicemail. I am very disappointed with Well 's response because this is a big company that should be held to higher standards. Where I work, when you are out of the office you set up an out of office response on your email so people know you are out, when to expect you back, and who to contact for immediate assistance. ( Same goes for voicemail ) Wells Fargo does not believe in this type of best practice. 
As for updating their website to explicitly state a purchase agreement is required to lock a rate, I was told that it is still under a review as to if it is getting updated or not. I 'm not sure how my complaint can be closed out without having a completed review of well 's website if I was directly impacted by the information that was provided on there. I was also told that it was the employees responsibility to inform me what was needed and not the website. That begs me to question why Wells Fargo even has a FAQ page then, if its not complete and accurate, because I 'm clearly being told I should 've only inquired by phone. I disagree with the responses I was provided by Wells because they are excuses and I 'm getting pinned as the customer because they claim I should 've done more to get a prompt response ( instead of 4 days ). I should n't have to suffer for someone who is out of office and I do n't know about it, a different employee should 've had access to his emails and/or my file. What happens when people go on vacation for a week? Do people 's files stay at a stand still? I would like further review from the CFPB and get CFPB 's input on my complaint because I am being treated unfairly.
In XX/XX/XXXX, I was facing eviction and a cut-off of my utilities. I tried numerous ways to secure money to help avoid this problem. Unfortunately, I couldn't get any help. For that reason, I felt I had no choice, so I reached out to a payday loan company by the name of XXXX. I secured this loan in good faith and now I believe the company is holding me XXXX with unreasonable requests. The loan was for {$600.00} dollars and it was deposited into my account on XX/XX/XXXX. Every month beginning XX/XX/XXXX to this day, XXXX  has taken out of my account {$210.00} each month, for a total of {$1400.00}. I tried to close the account out on XX/XX/XXXX, but I was told that I would need {$530.00} to pay it off. I asked them how many more months would it take to pay off the loan, entirely, at the current monthly rate? The representatives at XXXX  told me, 3 more months, to XX/XX/XXXX. I can't afford this. I don't disagree that I borrowed the money in good faith but I believe XXXX is taking advantage of me. This is outrageous! I think I've more than satisfied this loan. I am a recently retired federal government employee and I live on a fixed income. In order to resolve this matter, I am hoping, CFPB sends a Cease-and-Desist letter to XXXX, demanding they stop all future debits from my banking account. Thank you.
This company has garnished my bank account for a XXXX XXXX account that does not belong to me and viewing all of the other various other complaints against this company, I am not the first person that they have done this to. My first phone call was to my bank and they advised me to contact the court house which I did. When I gave the court house the Case number associated on the paperwork I received from my bank she advised that the case was named to someone with a similar name to mine, but not in my name. She also advised that the case was from 2007 and that the summons for the court case was not ever served to anyone and she could not explain how that happened and could not offer any additional information and advised me to contact the attorney handling the case. I contacted the attorney and spoke to a representative that could not provide any information other than to set up a payment arrangement on an account that was not mine which is absurd! I asked her for the process servers name and telephone number so that I can get the information on who and when this summons was served and she advised that she did not have that information and transferred me to an actual attorney by the name of XXXX XXXX ( who is not the attorney listed on the paperwork I received from my bank. ) He could not find my account in their system whatsoever. He listed addresses and last 4 of social security numbers asking if they were mine but none of them were ( the name on the paperwork is not my name and this account does not show up on my credit report either but somehow it is being garnished from my bank account. ) XXXX XXXX could not offer any help at all because he could not even find the account with their file number that was listed on the paperwork. He asked me to scan and email the paperwork that I received from the bank to him which would not be a problem except for the fact that I do not have access to a scanner and my only bank account is overdrawn and my bank said that they can not release the funds until they receive a release from the attorney 's office ( that apparently ca n't find the account. ) Meanwhile, I am being charged with late fees, overdraft fees and have NO money and no one can assist in resolving this. I have already filed a complaint with the XXXX so my next step is to contact the MI XXXX along with getting an attorney referral in my area for someone that specializes in these types of twilight scenarios!
XXXX from XXXX ID # XXXX XXXX keeps calling to collect a debt that does not exist.
Back in XXXX, I had a XXXX XXXX XXXX XXXX ( Now XXXX, XXXX   Card ). They kept charging me fees and overcharging. I paid {$150.00} on XX/XX/XXXX, as final payment on a card balance of {$170.00}. I sent a letter to XXXX XXXXXXXX XXXX on XX/XX/XXXX, to get them to address the problem and close the account. They never investigated the problem or issue. They sent it to collections to a company called XXXX XXXX represented by the XXXX XXXX XXXX XXXXXXXX XXXX XXXX. When I sent them a demand and proved they should not have tried to collect the account, the entered a settlement not to sue them or XXXX XXXX for violation of state and federal law. As part of the agreement, the account was to be removed from my credit and a zero balance letter sent out. This is not a write off account this account was closed so I would not sue them. I have tried to dispute it several times, and all agency refuses to remove it despite the fact I have a signed agreement the account was to be deleted. I am asking the CFBP fine all three major CB for willful violations of the FACT and other consumer protection law.
I have been directed to this agency, probably again about an original complaint that I made regarding a " Bank of America XXXX Litigation. " I was included in this Litigation process XX/XX/XXXX, because of illegal credit practices carried out in my credit card. I complained XX/XX/XXXX about these illegal practices and I was then given a claim ID : XXXX. 
Since then, I have recently received a letter from the Office of the Comptroller of the Currency XX/XX/XXXX, advising me that " your complaint appears to involve an issue that no longer falls under the direct jurisdiction of our office " ibid. OCCI do not understand why I can ' t receive a legitimate answer on a proper citizen request that I made against illegal credit practices on my credit card. Furthermore, I have been referred to various federal agencies that do n't seem to take charge of the situation and just answer the status of my original claim Id : XXXX. 
I would appreciate if this agency would just take charge of the situation so that I can obtain a final legitimate answer. Thank you very much, XXXX XXXX XXXX
Date of deliquency was XXXX XXXX, 2006, it has now been over 8 1/2 years and I should not be held to pay this and should be taken off my credit as a debit.
I have a XXXX inquiry on my credit report. The XXXX account was finally deleted because it was never my account per the letter the bureaus recieved. However, the bureaus still are refusing to remove the inquiry after several attempts. The account was removed because it was never mine, so the inquiry should have followed. But I was given a flat out NO!!!!
I am requesting that a lien to be removed from my car and title. I was never told when I financed the vehicle that there was a lien or that it was a rental car. After I received my title 3 months into my finance I noted a lienholder on my car. After further investigation from car faxes this lien is from the original owner and was taken back by Ally financial who Auctioned the car to the dealership I financed it from less than a month from my finance. I talked to the FDIC who stated I am not responsible for this lien and if after contacting both the lienholder who happens to also be the financial company of my used car finance and dealership that I could not get it removed, to contact you and make a complaint. The representative from FDIC I spoke with stated the seller is to satisfy the lien on the used car I purchased from them before I financed it
On XX/XX/18, I received a charge to my Citizen 's bank checking account for {$220.00} from XXXX that I did not authorize. On XX/XX/18, I reported this unauthorized charge to Citizen 's bank, and they opened an investigation. I was told that I would receive a response within 10 business days. 

I have not received a response nor a provisional credit. I called Citizen 's bank on XX/XX/18, and was told that I should receive a provisional credit while they continue their investigation. However, I called the claims department at Citizen 's bank today ( XX/XX/18 ), and was told that I was mailed a letter on XX/XX/18. I never received such letter. The claims representative told me that they needed additional information in order to proceed, including why the charge was unauthorized and the exact date that I spoke with the vendor. I informed the agent that the charge was not supposed to occur, and that I informed the Citizen 's bank representative of this on XX/XX/18. I also told the representative that I spoke with XXXX many times when the charge occurred, and XXXX told me that they never charged my card. I asked when I would receive a provisional credit, as I understood they were required to provide it after 10 days while they continue their investigation. I was told that they would not provide a provisional credit, and that Citizen 's bank had 90 days to complete the investigation.
Back in XX/XX/2016 I filed bankruptcy due to Loss of employment. I included the debt of XXXX XXXX XXXX XXXX of XXXX and recently tried to apply for a checking account with XXXX XXXX XXXX XXXX and was Denied because this Bill Collector and XXXX which I also filed another complaint against decided they were above the bankruptcy law and decided to put a debt that was included on the bankruptcy filed back in XX/XX/2016 Case # XXXX. I received a letter of denial from XXXX XXXX XXXX XXXX   Today. Due to them retaliating against me filing for a bankruptcy this is causing me a hardship of not being able to open up a checking account. I will be filing a lawsuit against XXXX, XXXX XXXX XXXX XXXX , XXXX  and Chexsystems. If this does not get removed off of my Chexsystems  Report ASAP. Under violation of the bankruptcy code.
I 'm XXXX 2017, I was informed by NAvient, that I was being charged a late fee on top of my scheduled monthly payment 131 payment plan. On the recorded line I request that Navient change my due date from the XXXX of every month to the XXXX of every month. To match my auto withdrawal date on payment plan, So that I would n't incur a XXXX dollar late fee. I told Navient I would sue them for not doing as I requested because they are costing me more money than I need to pay. The supervisor XXXX told me he would fix everything by XX/XX/XXXX and credit my account for the past three month my account wrongfull inccured late fees, so I have to call Navient once more to ensure that this is done the first week in XX/XX/XXXX
I am an employee of a company that is owned by my husband. On XX/XX/18 around XXXX XXXX I received a phone call from a woman who failed to identify herself or what company she was calling from. She called my personal cell phone asking to speak to my husband and refused to give me any information regarding who she was. I am under no obligation to even speak to someone when they initiate a phone call like this. After a few minutes I decided to call the number back, assuming I would get a main menu type of answer, which would tell me what company was trying to contact me/my husband. The same woman answered and identified herself as XXXX from XXXX XXXX XXXX, and she was immediately rude once she realized it was me calling. I, of course, I then reciprocated the same tone and behavior toward her. She works for a company that supplied a loan to my husband 's business and she wanted to speak to him ( the owner ) regarding said loan. He called her back, spoke to her about her issue and told her to never ever call me on my personal phone number again. She has all corporate contact information and there is no reason for her to contact an employee on their personal phone number. 
Part of my job is to deal with financial aspects of the business, so I sent an email to the original contact used to obtain the loan, asking for direction on other lenders they use. We intend to pull our loans from XXXX XXXX due to the interaction with XXXX yesterday. She decided, after being told never to contact me on my personal phone again, to call me on my personal phone number and complain about how I contacted the original lending company. Her contacting me is completely unnecessary and serves no purpose other than to harass me. She has been told now numerous times to contact only the company phone number if she has an issue. 
My husband let many of his business owner friends and acquaintances know about this company prior to this unprofessional joke contacting me. Now we will begin the process of letting everyone know they are harassing, unprofessional, and bullies. I reside in Colorado, where harassment is illegal. She committed a crime as well as far as my local laws are concerned
This scam uses many, many different telephone # s. These harassment calls only started when I dropped XXXX XXXX XXXX as my home and cell phone carrier, so the calls could be originating from XXXX XXXX XXXX --  who else would have an endless supply of fake telephone # s to call from?? The calls are recorded and talk about reducing Student Loan Debt. 
I HAVE NEVER HAD A STUDENT LOAN IN MY LIFE.
I constantly receive calls and messages from a company called Portfolio Recovery claiming that I owe someone Called XXXX. I have told them repeated times over the course of a decade that I have no idea who they are and have never had an account with XXXX. They have been harassing me for years and it is way past time for the harassment to stop.
To Whom it May Concern : I paid XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} on XX/XX/2014, for my XXXX XXXX account that was overdrawn. They used aggressive tactics, scared my family & I felt like I had no other choice but to take out a loan from my retirement & pay this company. After conducting research, I realized that this is a fraudulent company & they never even communicated to XXXX XXXX that my debt was paid. There email addresses are incorrect & there building address is not even real. I only owed XXXX XXXX about {$600.00} ( half were from overdraft fees ) & now about 10 years later I'm still getting phone calls from 3rd party debt collection agencies still asking me for money on this old bank account. I'm getting so tried of these phone calls & just want it to stop. I also have a release of liability document signed by XXXX XXXX XXXX XXXX XXXX XXXX that I can sent to you. I sent this email below & it came back as an error. Now I'm out over {$1000.00} & I'm still being harassed, what do I do? Please help! 
~XXXX XXXX XXXX XXXX -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX XXXX <XXXX> To : " XXXX '' <XXXX> Subject : File # : XXXX This email is to address the fraudulent charges against me. 

I am filing a law suite against your company for deformation of information and malicious intent. I spoke with XXXX XXXX today and this is a federal offense. The money I gave to your company on XX/XX/2014, was not paid to XXXX XXXX and my debt was not released. I am represented by XXXX XXXX XXXX XXXX, and will prosecute you for bank fraud. Per the attached document on XX/XX/XXXX, my debt was paid to XXXX XXXX by your company, and this is false information. 

I need the owner or supervisor to contact me immediately. 

- XXXX XXXX XXXX