WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX sent my bill to CDI AFFILIATED services for {$51.00}. I have a co-pay every time I see the dr and that MUST be paid before I see the dr . They schedule extra services " after '' insurance is verified that I will not have an out of pocket expense. The Dr. changed insurance payment and I never received an invoice. I continue to see the Dr. and was never advised I had a past due amount. I called their office and they advised since the changed insurance payment carriers they have no record. I looked at all my EOB and there is not one statement that shows I might have an out of pocket expense. Why would I go to a dr. and not pay the amount I owe? This appeared on my credit with no notice, no letter, no phone call XXXX 2015. I only came to realize this when I attempted to refinance my house and was denied.
I have multiple cards with capital one. Their automatic payments was taking out amounts I did not approve. I asked my due date to be changes several times, I was told it would be successful but never way. I don't know of any other credit card that has a due date at the end of the month.
Hi, I received an email coupon to get {$300.00} from PNC to open a checking account. I visited PNC 's pop-up branch located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. A representative name XXXX XXXX helped me open the account and explained me the deposit requirements and benefits related to opening the account. After few days I receive a letter with Reference # XXXX from PNC dated XXXX XXXX, that my application for PNC Cash Builder Visa credit card was not approved. This was surprising for me as I never applied for any credit card and the representative never asked me if I would like to apply for credit card as well. I called up the customer service immediately to notify them. But they told me I will have to contact the representative or call at XXXX. I called up this number but no one picked the call and it did n't even went to voicemail. So, I visited the pop-up branch again but PNC have different representative based on days. So I decided to go their main branch XXXX XXXX, XXXX, NC XXXX. I explained my whole situation and the representative told me that they will follow up with XXXX XXXX and request the bureau to remove the credit inquiry and also train their representatives better. I called up few days later at XXXX XXXX branch again to follow up and a representative, XXXX XXXX tried to discourage me and told in order to remove the inquiry I have to send an email explaining the whole situation and it would take 90 days to make any decision and decision might not be favorable. He further tried to sell me a secured credit card. I clearly told him I do n't want a credit card and would like to get this incorrect inquiry removed from my credit report. 
I seriously feel PNC should train their representative better and should be transparent with customers. It has been really terrible experience gettign transferred from customer service to the pop-up branch to branch and then agian to branch. Each time a representative tell a different thing or try to sell PNC product.
According to my recent credit report request from Transunion, XXXX, XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE IT XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE IT
I have multiple 30 year loans on different properties and through different servicers. Over the course of the last several years, they 've all been transferred several times to different servicers. The worst case is when the originator transfers it to a servicer then transfers it back to themselves a few years later ( Freedom Mortgage ). 

In this last case, I had not caught that the address for the servicer changed and the old servicer stopped forwarding my payments. As a result, they returned the payment and I was charged a late fee by freedom mortgage. Had I not caught this in the first month, I would also have a late payment on my credit. 

There is something wrong here. Putting the {$100.00} late fee aside, the damage that can be done to someone 's credit over this passing back and forth of loans can be quite severe. It seems that there should be legislation that protects consumers against this. At the very least, the old servicer should continue to forward payments until they 've gotten a hold of the customer ( using all necessary means - snail mail, phone and email, they had all those on file ). 

I did n't get a single call from either Freedom or the " old '' Freedom ( their past servicer, XXXX ) and just a letter from each. Considering that this action can cause a severe amount of damage to a consumer 's credit, something needs to be done about this. 

When approaching Freedom, they did not offer to remove the late fee which leads me to believe had it been over 30 days, they would not have worked with me to remove the notice from my credit either.
I am an XXXX of the XXXX. I have been unfortunately been receiving credit card offers since graduation from Bank of America under the guise of XXXX. I consider these mailings to be predatory in nature, but unfortunately the CARD act seems to allow them. They do require the XXXX to post details about its financial compensation on their website, while they do have an informational page that essentially amounts to advertising, the link they provide to the disclosure simply leads to a credit card application through Bank of America, this seems to be a clear violation of the CARD act. ( XXXX ) - website
I took out a mortgage loan. The mortgage company advertised a low payment and interest rate. However, the monthly payments and interest rate were not low as promise. The bank has started XXXX foreclosure procedures without success. Two different bank have sue me. I tried to do loan modifications several times but were denied without clear explanation.
A Ditech representative called and said XXXX XXXX of Ditech asked her to call and inform me that Ditech was denying my loan modification because I did not have a payment arrangement with IRS. 
When I told IRS they said to send them proof that Ditech told me they would not give me loan modification unless I have payment arrangement with IRS so I waited for the letter from Ditech stating the reason for my loan mod denial. When the letter came it said THAT I CANCELLED the loan modification request. THAT IS NOT TRUE! 
I then called Ditech and recorded the manager reading the notes on the computer where a representative on XXXX XXXX, XXXX who identified themselves as XXXX, noted that they were denying my loan modification because I did not have a payment plan with IRS. I RECORDED THE CONVERSATION and will have it transcribed if I need it for a trial. 
The representative said they would email me the note from their computer but nothing came. When I called that same representative again he said he was told he could not send the note and that he was told that if I wanted the note I would have to subpoena it. That would mean spending thousands retaining a lawyer. 
Please tell Ditech to send in writing that they denied my loan modification because I do not have a payment arrangement with IRS. 
This all stated when XXXX FORCE PLACED INSURANCE ON MY MORTGAGE EVEN THOUGH I have had insurance with XXXX since XX/XX/XXXX without a lapse. I sent them proof of insurance but they only refunded me partial amount of the fee for their forced placed insurance policy which threw off my escrow. I refused to pay the extra amount so they put my payment into suspense and started saying I missed a payment. They then sold my loan to Greentree, which became Ditech. I explained everything to Ditech that had transpired. Ditech asked XXXX to investigate. In XXXX XXXX XXXX admitted they had unnecessarily charged an added forced placed insurance policy and refunded {$1000.00} to Ditech but Ditech refused to waive the fines and fees for all the months they said I was missing a payment. So I asked for a loan modification to get rid of the fines and fees. That is when Ditech refused to give me a loan modification because I do not have a payment arrangement with IRS. Ditech started returning my payment each month and is set to auction my property on XXXX XXXX, XXXX. I inherited this home from my sister, XXXX XXXX, who died in XX/XX/XXXX. 
If you have any questions please call me at ( XXXX ) XXXX. 
Sincere thanks for your help. 
XXXX XXXX XXXX
On XX/XX/XXXX, Diversified Consultants Inc was in receipt of a letter I sent via USPS certified mail with receipt in reference to a tradeline item listed on my credit report under the company 's name regarding an alleged debt to XXXX. This letter requested verification and documentation of the debt from the original creditor including account numbers, amount owed, when the debt was obtained by Diversified Consultants and if they obtained this debt from a separate collection company. Requested was proof of the last billing statement originally sent by the original creditor, fee statements, if there had been any changes or adjustments since the last billing statement from the original creditor. Also requested was proof that Diversified Consultants is  was licensed in the State of Illinois under the Illinois Department of Professional Regulations as their company is located in XXXX, Florida ; a copy of the agreement with the original creditor ( XXXX ) showing proof they are legally authorized to attempt to collect the debt for XXXX ; and the amount the debt was purchased for, if they owned the debt. 

Diversified Consultants responded on XX/XX/XXXX via USPS First Class mail with the attached letter and copy of statement from XXXX as proof of the owed debt. 

Upon review of the letter and included statement, it was observed that the statement amounts listed owed, as verified proof and the letter sent by Diversified Consultants does not match. As no proof of changes to the debt amount had been sent as requested, this is a misrepresentation of the total debt amount owed and invalid proof of debt as there was not current verification of said debt with the original creditor, which would have provided accurate statement amounts. 

On XX/XX/XXXX, upon direct communication with XXXX, the original creditor, it was verified that the statement sent as valid proof by Diversified Consultants was in fact invalid and did not match the company 's records. 

All the above facts prove that Diversified Consultants misrepresented the debt entirely, including the total amount owed ; the validity of the debt ; that they verified the debt ; and that they had legal ownership of the debt to collect on it as a representative of XXXX as evidence of assignment, and that they are legally able to operate in the State of Illinois.
I applied for refinancing on an auto loan with Lending Club and was told the rate would be 2.49 % The payoff on my current loan was XXXX WHEN IT CAME TIME TO SIGH THE LOAN THE LENDING CLUB SAID THE RATE WOULD BE 3.4 % THIS IS BAIT AND SWITCH THEY NEED TO BE INVESTIGATED AND FINED!
The amount that the collection agency claims i owe is more than what is actually owed ... .and they are trying to collect on a much higher amount.
To whom it may concern, My name is very common, it is in the XXXX community the same as " XXXX XXXX '' So from time to time I have had erroneous information on my credit report that I have been able to clear by contacting the creditor directly. in this case, I had this collection show up on my credit for XXXX XXXX XXXX, and I have no idea what this is so I contacted the creditor and was told " I don't care if this is your debt or not, pay it and we will take it off your credit. Don't pay it and it will ruin your credit! ''
I had a credit card with Bank of America. After my divorce, I did my best to keep up with payments on the account. I asked several times for any programs as I was struggling as a single parent and working less than full time. I was told there was no help. I made my last payment XX/XX/2013. I received judgment paperwork a few months ago and called the firm handling the collection. They proposed a payment that was completely unrealistic. I contacted them a second time and they told me to pay the whole thing and there were no other options. I am now being served paperwork at work for a garnishment. I have tried many times to come up with a compromise and I feel I am not receiving the options that should be available to me. I am working only XXXX hours at my job and I feel sending this paperwork to my employer only puts me in jeopardy of losing my job. I am hoping for a better resolution.
I contacted Trans-Union to inquire about the inquires listed on my credit report that had been removed and then re-interested into my credit report without prior written notification and I am requesting permanent removal. Trans-Union refused to do so at the time of contact and that is why I am reporting through CFPB. Upon doing research I have noted that the following inquiries are to be inaccurate : 1. XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX5. XXXXXX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX
Several months back I opened an account online with Citi Bank. At that time, their website showed XXXX branches near my home address. After my first direct deposit was made, I needed to get cash from the account, my debit card had not arrived. I called their very unskillful call center, located outside of the USA, to get the address of the nearest branch to go get cash. I was informed there were no branches in Texas??? It was explained to me that these so called branches listed when I opened my account were ATM branches and not physical branches. This is my first complaint about being misled about branches in TX. In order to make deposits, I was wiring funds into this new checking account from my credit union savings account. My second complaint is related to numerous NSF fees ( {$300.00} ) being charged to my account because Citi Bank did not accept a wire sent to them from XXXX XXXX. One of the fees charged was for a XXXX cent test transaction!!! I have attached a copy of the wiring document to show the wire was submitted to Citi Bank. I had already made the decision to close the Cit Bank account after being falsely misled about physical branches in TX and started using XXXX Bank. I was expecting XXXX or XXXX transaction to post on Friday XXXX XXXX to the Citi Bank account, not a federal banking holiday??? Because the wire did not process by Citi Bank all XXXX transaction were supposedly going to be declined and charged an NSF fee. Well ... ... that 's not what happened. Depending on the day you looked at the account, it appeared these transactions were paid and charged a {$34.00} NSF. Truthfully I was thankful the transactions cleared even though they rejected my incoming wire sent on XX/XX/XXXX. I have attached a copy of my statement showing what happened next???? Even I cant seem to understand what they did with these transactions????. Citi Bank claims the Merchants attempted to run these transactions through, I do n't think so!!! It appears two days later they removed the credit and declined the transactions and charged another NSF fee for each transaction. So my XXXX or XXXX transactions were not paid! They continued to try and process them two more times each. This caused my NSF fees to go above {$300.00} for XXXX or XXXX declined transactions. I called the bank today and told them we needed to come some type of a resolution or I would file a complaint with the CFPB. Basically they laughed. These bank call centers outside of the US are not equipped for customer service and or how to resolve mistakes and issues. I would fully appreciate a full investigation on Citi Bank regrding misleading customers about physical branches in TX and require Citi Bank to refund every NSF fee charged to my account. If these so called branches were here in TX, I would not have been forced to wire money into my newly opened checking account. It seems that banks think they have the power to force us to except their unfair ruling or be dinged on a credit report for unpaid NSF fees or being reported to telecheck for a closed checking account with a negative balance. I am so thankful to have the CFPB to help us stop unfair banking practices!
Chase bank put unauthorized inquiries on my credit report. The first one was on XXXX XXXX. The next one was on XXXX XXXX. Also on XXXX XXXX XXXX and the last one was on XXXX XXXX XXXX. I have gone to the bank and they told me they could not do anything about it. It is hurting my credit badly. I am working hard to raise my credit score.I do not understand how is it that the bank can do this to hard working people.
To whom it may concern, On XX/XX/XXXX, my wife and I were told by our current service provider that our mortgage payment would not be due until XX/XX/XXXX. I was told this by two different representatives on two separate days. I was told this by two different representatives two separate days At the time the payment looked to be around $ XXXX/month, which was not correct. I 've recorded this conversation from XX/XX/XXXX and attached it to this email. 

Also, we have a tax exemption from XXXX county that should lower our monthly payment when applied. 

We were then told that our payment was due on XX/XX/XXXX and that they would not honor what was told to us. On XX/XX/XXXX they sent me a letter apologizing for the misinformation, but claimed that they can only honor the modification starting date. In the message you will hear the representative tell me we will be up to date on XX/XX/XXXX. Also, this was not the only rep who told us this. However, we recorded this later conversation on XX/XX/XXXX as proof. 

Im just discovering that I cant attach the audio to this email. Please provide an email address for me to attach the audio proof. Thank you! 

Rep : XXXX Ext : XXXX Please let me know if you need any additional information.
Ive attempted numerous times of disputing incorrect information and fraud accounts due to identity theft. I will Be sending another dispute in attempt to remove these false accounts. In the midst of disputing these companies have falsely verified fraudulent accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , & XXXX XXXX XXXX ( this company has violated HIPPA Laws which I will Be suing. )
On XX/XX/2018, I reviewed all 3 credit reports and noticed that the late fees for XXXX XXXX ( XXXX and XXXX XXXX XXXX XXXX ) and XXXX XXXX Auto Finance are still not reporting accurately. I've previously mailed letters, sent emails, and have made calls only to be advised that they are unable to update payment history and that I will need to contact the credit bureaus. The credit bureaus directs me back to the creditors. I am in the process of closing on my new home and the payment history/late fees are reflecting poorly.
My XXXX cell phone was returned XX/XX/14 as mutually agreed and cell service canceled accordingly ( signed for by employee XXXX ). Two years later this account mysteriously and erroneously entered into collections. XXXX was experiencing backhaul / vendor problems affecting cell towers in home area. I was an XXXX XXXX and needed reliable service. XXXX agreed to waive early termination fee and liability so I could switch carriers ( See XXXX, Executive Analyst, attached email ). I only recently obtained my credit report and noticed XXXX placed this into collections. XXXX apprenlty never notified there billing dept nor update the system? I have spoken to XXXX and she remains very deceptive and lies continuously. They seem to be playing some kind of game. I believe there committing a FCRA violation, just need someone to advise me on how to best proceed. Greatly appreciate your time understanding and assistance.
( Reference CFPB Case Number XXXX ). I filed a CFPB complaint about XXXX XXXX/ XXXX XXXX Credit Card where the purposely moved money around in my account so that I would pay more interest. After I filed the complaint- they changed my regular account to a {$350.00} Balance- which is fraudulent. I only made one purchase in my regular account over the past year and it was for {$220.00}. 

How can I have a {$350.00} balance on my regular account when the only purchase I have ever made was $ XXXX and the {$220.00} was supposed to be paid off according to a conversation with XXXX XXXX XXXX  XXXX Customer service on XX/XX/XXXX. 

I received a letter from XXXX  XXXX  dated XX/XX/XXXX from a Ms. XXXX XXXX ( XXXX ) XXXX Extension XXXX and attempted to call her back many, many times. She will not return my phone calls or answer the phone. I do not believe this person exists. 

I was supposed to have only 2 deferred interest accounts open on my XX/XX/XXXX statement, but because I filed a CFPB complaint, my statement came in WITH FOUR ( 4 ) open account lines ( 2 deferred interest, 1 regular account and 1 fixed pay ) and a XXXX regular balance WHICH IS A LIE BECAUSE I NEVER MADE ANY REGULAR PURCHASES MORE THAN XXXX DOLLARS! 

I worked this out with Customer Service and when the error showed up on my XX/XX/XXXX Statement- the Customer Service representative WOULD NOT WORK WITH ME to fix the problem. This is why I had to file the CFPB complaint. 

This company should be shut down for malpractice and criminal activity. I will NEVER make a purchase from XXXX XXXX AGAIN!
I was late for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX the late fees are {$87.00} dollars per month. In XX/XX/XXXX I paid the balance and paid extra I have not been late since. The late fee was still showing in XX/XX/XXXX and I called and they said they would apply the over payment to the late fee. Why is the late fee still on my account? Why would n't it ever be applied to my account unless I call. Why are the late fees so much money? Why do I still owe my regular monthly car payment when I keep paying extra? The late fees are excessive and the way you have to call and waste time calling them to get your money applied to the late fee is ridiculous. Ally Auto Finance.
I had a mortgage loan with XXXX ( Account number XXXX  ) The first delinquency on this loan was in XX/XX/2011. The first delnquency listed on the credit bureau files shows 90 days late in XX/XX/2011. It was placed in forbearance but never brought current. It was ultimately foreclosed. Federal law says that it had to fall off my file in XX/XX/XXXX due to federal obsolescence guidelines. I disputed it and it remained.