WillisBack/dataset-financial-user-claim huggingface dataset:
Wakefield is attempting to collect a debt I never established a contract with them, furthermore they are violation of the FCRA LAW by reporting a negative item on my credit report and I do n't owe them,
I recently purchased a property in XXXX. However there are several hard inquiries that are negatively impacting my credit score even months after my purchase. I was told these would not hurt my score but that is not the case as I see these are being factored in : XXXX XXXX, 2017 CREDIT PLUS XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2017 CREDIT PLUS XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CREDIT PLUS XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX.

I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they could not verify that the information was being reported.

I request that you initiate a REINVESTIGATION into XXXX XXXX (XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED or FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your investigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX/XXXX - XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
For the last week I have routinely received XXXX calls a day on my cell from XXXX XXXX XXXX. ( this a.m. they started at XXXX ) When I XXXX this number, I found others have been complaining for XXXX years. It belongs to Receivables Performance Management, a debt collection company, apparently. I do not take their calls and they do not leave messages. I do n't owe anyone anything, so how do I get them to STOP. They only have my cell phone, not my landline or my husband 's phone. I do n't answer any caller I.D . that is n't recognized by my contacts list. I 've had this phone on the DO NOT CALL LIST for over XXXX years!
On or around XX/XX/17 I was reviewing my credit report and I found several HIPPA Act violations. I am requesting a investagation according to FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims I am allowed to review any and all documents related. I need to review the following documents from these companies 1.XXXX XXXX XXXX # XXXX 2.XXXX XXXX XXXX # XXXX 3.XXXX XXXX XXXX # XXXX 4.XXXX  XXXX # XXXX Please notify these companies to cease and desistFRCA 604 ( A ) ( 3 ) all contact and communications with me immediately.
I paid off an equity line of credit months ago, 3 times requested the account closed. Now I get a bill of {$10.00} for what they claim is a " Release Fee '' to remove the lean by the county. This is an illegal fee that is not in my loan documents nor required by the county as the bank has claimed. The bill also threatens me with additional {$10.00} per month late fees so I have no choice but to pay the illegal fee. When I call the bank and requested the county bill and my signature at closing agreeing to any closing or release fees, they can not produce either. I had the same bank ( Bank of America ) for my mortgage, when that was paid off there were {$0.00} such fees.
I leased a car through XXXX and was approved by Chase Auto Finance, I don't ever recall setting up " electronic statements '' so Chase never sent me a bill. I was waiting for my bill and fell 2 payments behind which in turn they reported me late to my credit report agency.

I chatted with a customer service representative who kept emphasizing I was a " high risk '' account and kept explaining how I am able to make a payment to an account where I dot have access too online or over the phone because I don't have my account number. 

I made a prompt payment and am current on my payments, I was told they would review my account however I need removal of the late reporting due to bank error.
I have been repaying my student loans since 2010 under either XXXX or Navient. I have had serious issued trying to remove my cosigner from XXXX of my XXXX loans I have with them. I 've submitted all the necessary documents and have paid on-time for over a year, which is the requirement, and they still wo n't release my cosigner. I 'm really unsure what other measures need to be taken to release her. If credit plays a role, I have bad credit because I have so many loans. It 's never ending. Navient is not helpful, and trying to reach them via phone is a nightmare. They do n't really care to help. I 'm not sure what joy they get out of being so rude to their customers, but I guess they can since we 're all stuck and have no choice in the matter! I 've also received emails saying there was a change in my due date - then when I pay on that date, I am told it 's late and that nothing ever changed. Must be using a bad direct email tool or something!
LVNV LLC has apparently filed a lawsuit or judgement for the recovery related to an account of which i have no knowledge of. I have had other collection agency 's claim i am responsible and i have repeatedly explained that it is not mine.
So this company called Credit Systems put a {$39.00} dollar debt on my credit report saying I owe this debt. Kind of funny how this debt originated because never have I been notified that this was an active debt. I have never received a bill regarding this situation from the so called original creditor, and never was I notified by this Credit Systems Debt Collector that I owe this debt.

This so called Debt Collector has sought and set-out to destroy my credit scores by throwing this debt on my XXXX  Credit Report.

I feel this is something that should be brought up to legistation and signed into law, that should prohibit debt collection companies to notify the consumer 30 days prior to reporting the debt to the credit bureaus. It should be illegal to do such a thing and this is something that I will even notify my State Representative to persue this
Bank of America did not produce a title in a timely fashion resulting in a higher rate of interest on a mortgage loan refinancing. 
We purchased property from the Veterans Administration in XX/XX/XXXX under a land contract. The land contract at the date of purchase was serviced by XXXX XXXX XXXX with an interest rate of 6 %. Years later, the servicing of this loan was transferred to Bank of America. 
We applied for refinancing of this loan with XXXX XXXX XXXX XXXX in XX/XX/XXXX.  We completed and submitted all required documents within the following two months and our request was approved with an interest rate of 4 %. The closing date was set for some time in XXXX. 
The closing did not take place in XXXX. We were then told by XXXX  XXXX XXXX XXXX that we were waiting for a title to be generated by Bank of America and this would take approximately 2-4 weeks. 
After four weeks the Veterans Administration was contacted to ask why we could not get a title for closing and if there was anything the Veterans Administration could do. We were told by the Veterans Administration that Bank of America was responsible for producing a title. 
HUD was also contacted regarding the inability to get a title. HUD recommended that we contact XXXX XXXX of XXXX Michigan. The XXXX XXXX of XXXX Michigan indicated they would investigate the issue. They were no help, citing the XXXX water crisis was taking much of their time. Bank of America never produced a title. 
There was constant communication with XXXX  XXXX XXXX XXXX as they continued their effort to get a title. In XX/XX/XXXX, Bank of America transferred the servicing of the loan to XXXX XXXX. XXXX indicated that they would produce the title. 
XXXX XXXX XXXX XXXX then indicated that the process had to start over. We again completed documents and was told it was approved with an interest rate of 4.6 %. Shortly thereafter XXXX XXXX XXXX XXXX indicated that if a {$1500.00} tax bill were paid we could get the loan for 4.3 %. Money was borrowed to pay the bill. The closing took place with an interest rate of 4.3 %.
I entered into agreement with navient for student loans. Now I am being approached by a collection agency about a federally subsidized loan. The company approach is deceitful. Blatantly lying and baiting me. Will not allow me to discuss matter when I am not at work. Would not schedule a callback without trying to force me to answer questions.
This company is once again trying to collect a debt that they claim I owe but will not validate. I have asked them for verification before and they did not provide anything.
the above case # is for Transunion. It seems I have to file a complaint for each credit reporting agency. 
I filed a chapter XXXX bankruptcy in XXXX 2013. My mortgage through XXXX XXXX was reaffirmed, as well as my home equity line through XXXX, and my furniture payment through XXXX XXXX XXXX. I have continued to make on time, full monthly payments to each of these companies and noticed that they have not been reporting to the credit agencies. I have provided the documents of the bankruptcy reaffirmation agreement, as well as the history of the payments made to these company 's over the last years to all XXXX credit bureaus and each XXXX of them come back with missing information on their investigation, some do n't even address the XXXX accounts I have listed in my dispute, others have other companies instead like XXXX. It is apparent that these companies do not doa thorough investigation of my dispute. They ca n't even get the account correct, let alone I don ; t believe anyone even bothered to look through the files I sent them of the proving documents to show they were supposed to be reaffirmed, as well as my payments being made that are not being reported. I 'm trying to rebuild my credit, and this is not fair that my payments are n't being reported, and no one is taking the time to do their job properly. 
PLEASE HELP!
My capital one credit card ( ending in XXXX ) statement balance was due on XXXX/XXXX/15. I paid on XXXX/XXXX/15 - 6 days late. Capital One is now reporting to the credit bureaus that I was 30 days late with the XXXX 2015 payment. This is cruel business practice. They refunded the late charge but refuse to adjust their reporting to the XXXX bureaus. I am applying for a mortgage and this is hurting my changes of obtaining one.
XXXX XXXX is hitting me with 2 hard inquires for XX/XX/2018 and XX/XX/2018. I should only be hit with 1 inquire as both were done on XX/XX/2018. The confusion is it took them 2 days to process the other part. I have spoke to them on the phone back on XX/XX/2018. There customer representative said they would remove one of these hard pulls. I believe it is the one on XX/XX/XXXX. Either way they 100 % guaranteed one will be removed since both were placed on same day of XX/XX/2018. 

Since the company agreed to remove one of the inquiry 's, I just hope they can kindly stick to there word and fix up this confusion. I have been a loyal customer and just want what was promised to me. Thank you
My sister started receiving calls from a placed called Summit Receivables ( XXXX ) regarding a undisclosed debt on XX/XX/XXXX. After receiving a message from my sister I contacted the number above. When I called they would not identify the debt in question. They tried to ask for my ssn to look up the supposed account. I did n't give it to them. I had to call back a few times because the people would yell at me and hang up the phone.. Whenever I would request some sort of debt validation. They never identified the debt over the phone nor did they send any letter of validation after I contacted them. I also reviewed my credit and I do n't see any collection activity from Summit Receivables. My sister contacted me again the other day stating that she is still receiving call from them even though I called them from my number. She said that now they are claiming it 's in regards to " her debt. '' they might be contacting my dad as well, as he told me yesterday a collector called him weeks back asking for me. I have n't put any of these family members on any credit related items. I think this is a scam.. I have researched online and found many other people complaining about the same place.
XX/XX/2018 they said i missed a payment. I have not missed a payment in XX/XX/2018 till this time. I'm a XXXX XXXX and I'm in the process of buying my first house. But it wont allow me to because my credit score is to low. This is a good will letter, to clear all the late reports off my credit with this credit card. reporting to all 3 creditors.
I have a a unverified account from AFNI. I had previously disputed this account. I have never done business with I have a a unverified account from. I had previously disputed this account. I have never done business with AFNI. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt AFNI purport I owe. I request that AFNI Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account # XXXX
Experian has XXXX 30 days late on my credit report from XXXX. I have sent this company copies that shows I made my payment by the end of 30 days. The law states consumers has 30 days before it is reported late to the credit bureau. I want this company to change from 30 days late to OK.
I have an account opened in my name at Wells Fargo and I never held an account there.
We were making payments to our credit card capitol one, we were having a finacial hardship. I was on unemployment until i was called out of town for work, my wife is on the account to manage and make payments. My schedule was XXXX XXXX hour days, at a power plant in Washington XXXX. My wife XXXX tried to contact capitol one to freeze the account for legal by law, they refused to help us being that I could not make the call myself i gave a verbal to Capitol One she had binding right to change or contact Capitol one for me, they refused and sent my account to coolections. Now they are demanding payment we can not afford. Had we been given the chance for the freeze, this would have been diverted.
Our mortgage service company was changed from XXXX to PHH. All of a sudden, we received their statement wanting for us to pay more into an escrow account. This is a big surprise. We never agreed on an escrow account. We have been managing our taxes and insurance by ourself and none was late or anything. We have not received any communication from PHH about what happend and why we must pay more into this new escrow account. 
We used to pay {$2400.00} per month ; now they want us to pay {$3400.00}. This is a big increase we are not prepared yet. We are surprised at this escrow. We will call them ( PHH ). in the meantime, we want to pay the $ XXXX/month. Is it OK? In other words, can PHH force an escrow account on us without our consent? Thanks for explaining to me why is this possible?
I received a letter from Synchrony Bank notifying me that an account was opened with Walmart. It states " Since the address and/or first-last name on the application did not match the address and/or first-last name contained in the consumer credit bureau report, we are writing to you to confirm that the account was opened at your request. '' I called Synchrony and the rep tells me if the information did n't match we would not have opened a card for you ... let me look. He says, Oh! you 're right it did get opened. Then he asks if I applied for TJ Maxx and American Eagle? I said no. Oh those were approved too. I said, if the information on the application does n't match my credit report then why was it opened? I 'm not quite sure. I find it a little concerning on my part that this credit card company is randomly opening accounts without thoroughly checking to see if the information is correct.
The lender filed for lender foreclosure in XXXX 2016 but has not moved forward with any action since the filing. The community has suffered by watching the property go into disrepair. Currently, trim is falling from the home, the siding is covered in green algae, the back yard is full of trash and piles of debris, the lawn is not being cared for, plants are overgrown, lawn is waist high, plant beds are full of weeds taller than most people. The community has patiently been waiting for the home to sale but every offer ends without a sale and the real estate sign disappears for months at a time. The second real estate agent 's sign disappeared about a month ago but no sale took place. We are uncertain that the home owner resides in the home and question the safety and health of these residents if they do. Activity is spotty and has been less and less over the past few months. In the beginning of the year, a car was parked in the driveway almost every day but now residents report no one has been there in weeks. The surrounding residents are afraid that the condition of this home is lowering property values in addition to attracting wild animals to live in the neglected conditions. The entire community is troubled that the mortgage process has been allowed to carry on for so long without action on a home that will ultimately end in foreclosure because the owner has abandoned the home.
RE : Ocwen account # XXXX I have spent this past year attempting to short sale my home. I have done everything that Ocwen has asked ; submitted the appropriate paperwork, responded to and scheduled phone calls with my " XXXX '' and was given a verbal approval in XX/XX/XXXX to pursue a short sale XXXX no paperwork provided XXXX. This is after they denied me a deed in lieu and offered me a remodification that I could not afford ; they attempted to bully me into moving back into my home by denying a short sale. I have even had large orange notices posted on my door to publicly shame me ; this is illegal in the state of Pennsylvania. I regularly scheduled appointments with them to update them on the sale of my home ; their last scheduled appointment with me was on XX/XX/XXXX. Each scheduled phone call required that I begin back at square XXXX, explaining my story and reason for short sale while the " relationship XXXX '' claimed that this information was not already there. I repeatedly asked for transcripts of our conversations and even asked for them in writing but it was never provided. 

As soon as I had an offer on the horizon, Ocwen stopped contacting me by phone. The first offer was submitted on XX/XX/XXXX ; they did not respond for XXXX weeks. The buyer wanted to close on XX/XX/XXXX. Ocwen claimed they did not receive the offer despite the fact that it was listed on Equator and my realtor had a confirmation receipt of the listing. My realtor resubmitted the offer. They declined the offer and said it needed to be within 10 % of the appraisal ( for which I was never provided a copy ). The buyer provided a new offer, almost within 5 % of the appraisal ; my realtor uploaded it to XXXX on XX/XX/XXXX. On XX/XX/XXXX, I contacted Ocwen to see whether the sale was approved ; the buyer wanted to close before XXXX. They stated, again, that there was no new offer, yet my realtor has confirmation of its posting to XXXX. He submitted it again on XX/XX/XXXX. On XX/XX/XXXX, my realtor confirmed with Equator tech support that an Ocwen employee named XXXX removed everything from the system pertaining to my house. My realtor now has to do it again. 

This is mortgage fraud. They are deliberately attempting to prevent the sale of my home so that they can foreclose and get a payout from the federal government.
Power Finance of XXXX  Texas loan for the amount of {$720.00} on XX/XX/2018 and since then as of today XX/XX/2018 I have paid over {$1400.00}. This is a never ending payment that I can Not afford nor do I understand the fees. I have sent an email requesting they delete my account information. And informed Power Financial they are no longer authorize to debt funds
I have a major problem with Chase Mortgage. Their agents are calling my house at all hours of the day and night telling us to move out and give up our house because they are going to foreclose on me. At the same time, we are trying to get the Chase loss mitigation department to work with us to review for a modification but they have failed to assign an account manager or review our current financial information. We bought our home with a FHA loan and I know there are programs available for people in our situation. I dont know why Chase is purposely blocking us from these programs. We had a temporary financial setback but are back on our feet and have the ability to make a fair and affordable mortgage payment. My wife and I both work and we are going to fight to save our house. But our biggest opponent has not been our finances, it has been our mortgage lender, Chase. My wife and I purchased our home in XX/XX/XXXX and live here with our XXXX children. I have worked as an XXXX XXXX for nearly 30 years and at the time we took out this loan my wife was working full time as well. In XX/XX/XXXX we had some unexpected expenses and it was difficult to keep up with a {$3600.00} a month mortgage payment. We were able to apply for, and then get approved for a loan modification that lowered our payment and interest rate. We paid on the modification for nearly three years until my wife lost her job in XX/XX/XXXX. This caught us off guard, and I tried to rearrange finances and liquidated savings etc. but we ended up missing our mortgage payment. Within a matter of months my wife was back working and I attempted to make our regular monthly mortgage paymentthe problem was that Chase would not accept the payment, they wanted us to repay all missed payments and interest and late fees etc. and we were not able to do so. Things have snowballed from there. Despite multiple attempts to get a new review for modification assistance opened we still do not have an active review of our current financial information being conducted. We still do not have a dedicated single point of contact. We are being harassed with collection calls by rude and insensitive agents, and the Chase loss mitigation department puts us on hold and transfers us around and never attempts to resolve our issues. Since this is an FHA loan insured by the government I thought there were programs put in place for homeowners in our situation. This is an avoidable foreclosure, because we have enough income to afford a fair payment. The issue is that Chase Mortgage is attempted to obstruct access to these programs.