WillisBack/dataset-financial-user-claim huggingface dataset:
I want everyone to know about the unfair practices of XXXX XXXX XXXX at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX. I noticed three months ago when i started monitoring my credit that there is a collection from a pain clinic that I have never been to before. I never received a bill before the debt went to collections in the first place. The debt also reads closed so im still not sure why they are still reporting in the first place on this fraudulent collection. When I disputed this collection on my credit report the company retaliated against me and the first time in four years the collection went up by {$2.00}. Coincidence? No its not its smells retaliation from a company who reports false information tarnishing the public 's credit.
Everyone have issue with Credit bureau I forbid the Credit bureau to follow, stalking or spy on me in any form or way, to gather information or anything about me. I have NO business with the Credit bureau and I don't owe them anything! They dare to steal and sale our information and lies about us! 
I forbid the Credit bureau to use my name, identity, intellectual property, or anything belonging to me or my associates. I also require that they delete any information they may have about me or any of my relatives, any information, third parties or anyone else! 
They have no right to deal with my life and business! They are database and personal information thieves!!! 
I see them responsible for any damage that may or may be caused to me! 
The Credit bureau are con artist who steal you identity, sale it and then try to sale you protraction from what they collect and steal from you! 
I damned them to leave me alone, stop ruin people life with wrong information and stop using my private information! 

I ask CFPB to use any enforcement authority and make them stop using my name, private info and ruin my life!
This debt was settled and guaranteed there would be no reporting or collection efforts filed by this debt collector, RPM if I would agree to a settlement, so payment arrangements were made on XX/XX/XXXX in the amount of 4 payments for {$370.00} first being drafted on XX/XX/XXXX, second payment paid XX/XX/XXXX. RPM has collected 2 of the 4 payments with two left, 1 due to be paid on XX/XX/XXXX and the other to be paid on XX/XX/XXXX. This company has now falsely reported this debt with no regard to our arrangement.
XXXX 's client XXXX XXXX is an identity theft victim. His information was used to establish a fraud account with Target credit service/TD Bank without his consent on or around the date of XXXX/XXXX/2016. He notified TD bank of this and was provided a fraud affidavit to complete and return ; which he did. As of this date however Target has not replied as to the outcome of the investigation results as is their obligation under the FCRA and has committed an offense.
Persons in charge, This complaint is in regards to a collection that has been reporting on my credit report from XXXX. I have contacted the Collection Agency in effort to rectify this debt and they refuse to resolve it by providing proof that this account is mine. 

On XX/XX/2018, I sent a validation and verification letter requesting original contract, original signature and payment history. In response, they sent me an itemized telephone bill. The proof they sent to me isnt satisfactory proof. Under the FDCPA, if the collection agency doesnt validate a debt, then they can no longer collect the payment and they are required to stop contacting me and remove the debt.
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2018 30 days late as of XX/XX/2018 60 days late as of XX/XX/2018 30 days late as of XX/XX/2018 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
In XXXX we were struggling to pay our mortgage due to loss of income. I tried to work something out with the credit union ( such as lower payments ) to no avail. In early XXXX we were offered to settle with the XXXX XXXX XXXX XXXX, XXXX, ME by forfeiting the home as " deed in lieu of foreclosure ''. We decided to do this because the legal representative from XXXX, XXXX, XXXX XXXX, XXXX, ME advised us that it would " look better on the credit report '' to have deed in lieu vs. foreclosure. On the credit report it clearly states " foreclosure '' and not DIL. I have tried on several occasions to get this changed on my credit report, even engaging a credit repair company to correct. The credit union states that it is not their fault that the credit bureaus are showing foreclosure and that it is because that is the only term they use for home surrender. Another problem is that when I contacted XXXX XXXX, XXXX, they stated that the " foreclosure '' happened in XXXX of XXXX. The house was re-sold and occupied in the first week of XX/XX/XXXX so this is not even possible. Also, the representative from XXXX, XXXX, XXXX XXXX stated that entering into DIL would be put back to the original surrender date of XX/XX/XXXX by us agreeing to the surrender. After reading your webpage regarding foreclosure and DIL, I have the distinct impression that there should be a difference in how this is noted on my credit report. Can someone please help me get a straight answer from these corporate agencies and get my credit report to reflect what actually occurred and when?
The year XXXX of this year where my information was stolen from different sources that uses equifax and XXXX and XXXX union reports was compromised and breached from the systems. Please fix all reports to match what is accurate.
XX/XX/2017 I made a deposit through chase bank ATM in XXXX NY, while the transaction was on the ATM has a problem and I got a receipt from ATM, stating that I should call my bank to confirm if the money was deposited. I placed a call to my bank and made a complain of what happened, was told that a credit of {$800.00} will be made to my account while the investigation will be on. 
the {$800.00} was made to my account same day, but on XX/XX/2017, I got a mail from the bank stating that the {$800.00} that was credited to my account will be debited because my claim was denied. The {$800.00} was debited from my account on XX/XX/2017, I called chase bank on XX/XX/2017 to re-investigate my claim, and my claim was denied again. 
I 'm requesting that you help to look into this matter as this huge amount of money has caused a lot to my account/finances. 
Thanks and XXXX bless you
I am a victim of identity theft. I have lots of inquires on my credit that I did not authorize nor did I know about. These inquiries are affecting my score in a negative way. I lost my wallet last year which had my drivers license, social security card in it. I have 2 credit cards one is XXXX XXXX and the other is old nave which I am a authorized user for the XXXX  XXXX. My score was in the 700 's now it is in the high 600 's. Remove these immediately! I do not own a home, I do not own a car. The inquires in dispute are : XXXX XXXX/XXXX Inquiry : XXXX XXXX, 2017 + Supermarkets XXXX/XXXX Inquiry : XXXX XXXX, 2017 + Complete Dept. Stores XXXX Inquiry : XXXX XXXX, 2017 + Personal Loans Cos. 
XXXX XXXX Inquiry : XXXX XXXX, 2017 + All Banks XXXX Inquiry : XXXX XXXX, 2017 + National Credit Card Cos.
This company is reporting a debt on my XXXX credit report that is not mine. Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX ( XXXX ) XXXX. I have made a written request to this company three times asking for a copy of a signed application and information pertaining to the good and services that have potentially been rendered or received for this alleged. To this date, i have not received any additional information to verify this debt belongs to me. This incorrect information is impeding progress on my ability to obtain financing for a home loan and i would like it to be removed.
I made a purchase for an ad on XXXX. The company unexpectedly did not publish my ad with my phone number and instead published their own phone number where they intercepted calls. 

I asked the company the next day to change the number listed to my direct number or cancel the ad and issue a refund. The company refused. 

I contact my Visa Signature issuing bank and filed a dispute. Supervisor XXXX at Bank of America 's disputes department informed me that since I was unable to provide a contract that they were denying the claim and would not proceed with contacting the merchants bank or the merchant XXXX
I have continuously contacted the creditor whom refuses my dispute of the validation of this unauthorized inquiry. The representative could not provide with verifiable proof of the unauthorized inquiry, because they did not have the right to view my credit file in the first place. Also, The representative could not provide me with validation as requested, and I have continuously advised the creditor that this inquiry does not belong to me, and request that the following be removed immediately.
My credit has been demolished by student loans that arent even in repayment yet and some were taken out when I wasnt even registered or in school. XXXX University was sued by the FTC and didnt stop committing fraud. They took loans out under my name when I wasnt in school and they have had my status as in-school for the past 2 years and I have not been in school at all. Not only do I have student loans taking up 200 % of my credit, XXXX has not stopped with trying to report more recent debt that is not mine by sending threatening collection invoices. I havent even received a degree from them. My credit score is horrible, I can not get a loan, a job, an apt , or anything to get ahead because of the school that isnt even in business anymore. Who is getting money they are billing anyway?? How do they do this to people? Im XXXX and my life is being ruined by this. I have nothing and cant get anything. The department of education, XXXX and XXXX have done nothing in 2 years about this and now its an emergency because I am about to be homeless. I feel like Im going to have a XXXX XXXX every day because of this. Something is wrong, a multitude of people were notified about this and nothing gets done except mailing me bills and threatening letters to further destroy my credit. What is going on in this country? I need someone to help with this, exploit them and get some justice so people can live healthy lives not stressed out and anxiety ridden.
I am a cosigner on XXXX Sallie Mae/XXXX loans and have been in dispute with them for about 2 years. I will be brief. 
Payments were made during the student 's college years equal to or greater than the amount of the monthly interest so that principal would remain at v\borrowed amount. 
After XXXX, wehn the repayment period began monthly invoices began to come stating " Amount Due '' and whatever the figure was - and " Minimum Due '' as XXXX. I called literally dozens of times asking how minimum due could be XXXX and never got a consistent answer. Scripted call center workers could not answer even the most basic loan servicing questions. 
At some point I escelated this inquiry to a manager who explained that all of the payments I made over the years were put to " Pay Ahead '', an option that allowed the student more flexibility after XXXX. I explained that is was my understanding that this was paramount to escrowing my monies, which had never been disclosed. If it had been escrowed, I was owed interest and that I wanted the payment history recalculated to show the payments applied correctly against accrued interest and any overages should have been applied to principal. 
After 18 frustrating months and countless phone calls they have finally sent me XXXX pages of history. Keep in mind they had promised this paperwork at least 10 times before it actually happened. They had not really taken me seriously until I explained I had sought legal counsel and that my attorney needed these papers for forensic accounting. 
My daughter and I have paid for numerous 90 day forbearance periods while I try to sort all of this out. 
I am looking the CFPB for some help.
I took out a loan from XXXX XXXX last year, and a few weeks ago a company by the name of Critical Resolution started calling me and my job every single day harassing me at my job. I have enough going on without someone calling me at work. I was not able to pay thins loan off so I have got it consolidated and I have told this company that and recomomended they stop calling me. They are telling me that they are going to garnish my wages if I do n't pay immediately. Over {$300.00} I have borrowed. Now they are saying I owe {$800.00}. I told them to send me to whomever they needed to.
I am repeatedly being called while at work, and we are not allowed to take these kinds of calls on the clock or at work in general. I told the gentleman I was speaking to that I could not accept his phone call at work and that he would have to contact my cell phone. I spoke with him on my cell phone about the issue and he keeps reeatedly calling my work after asking him to stop.
Since XXXX XXXX, 2017 I have been in contact with all XXXX major credit bureaus to dispute inaccurate account and inquiries. I have an account with XXXX XXXX XXXX which is an auto loan that I still have the car am making monthly payments on onetime the bureaus are reporting as charged off collection account which is invalid ; the bankruptcy ; also all inquires not attached to an account over 30 days old needs to be removed as well all XXXX bureaus had a glitch were unauthorized.
Consumer Financial Protection Bureau, I received two letters from XXXX XXXX XXXX, one in XXXX and one in XXXX XXXX, showing a lesser balance than what appears on my Transunion, XXXX, and XXXX credit reports. I wrote a letter with copies of the XXXX XXXX letters from XXXX and XXXX XXXX, and mailed it to all four companies on XXXX XXXX, XXXX, informing all four companies of the incorrect reporting. I received a letter back from all four companies : Transunion, XXXX and XXXX and XXXX XXXX XXXX in XXXX XXXX that the amount was correct and would not be changed on my credit report. 
Thank you. 
Concerned Customer
I checked my credit report and a new address appears there. I have not moved I reside in XXXX, NJ the new address that shows is XXXX XXXX XXXX XXXX, AP XXXX. I have never lived there and I have never used this address. I still reside at my XXXX, NJ address.
I FILED A DISPUTE WITH EXPERIAN CREDIT BUREAU ABOUT MY COMPLAINT OF XXXX REPORT OF PAYMENTS OF {$120.00} A MONTH WHEN MY PAYMENTS THAT WERE MADE WAS {$170.00} A MONTH SINCE XX/XX/2016 THRU XXXXWITH TWO PAYMENTS MADE XX/XX/2016 OF {$170.00} EACH. THE ENDING BALANCE IS INACCURATE AND THE MONTHLY PAYMENT AMOUNT IS INACCURATE. I HAVE SUBMITTED BANK STATEMENTS TO REFLECT THE ACTUAL PAYMENTS MADE TO XXXX BY BANK DRAFT
Bluebird debt card is refusing to transfer Close bluebird I kill my {$170.00} into my open bluebird account I have called a number of times and it still sitting in the closed account all do too sprints cell phone service criminal activity. After 5 1/2 months and telling to go executive supervisor at XXXX cell phone service that that card is been closed they still sent that to the close the bluebird account. I will either have to file a federal lawsuit against the Bluebird if I do n't get satisfaction in 24 hours
i kept seeing {$0.00} available credit for last few months and i finally had a chance to call because i was making my payments on time every month so I didnt know what was going on.i emailed them and they said i needed to call so then i emaile again and called and they switched me to a few differant people and finally a rep named XXXX  on XX/XX/18 said they sent me a letter about it in XX/XX/XXXX and i said i didnt get it because then i would be aware of whats going on and she said it didnt get returned so i got it. i said no i didnt now explain whats going on. she said they looked at my credit score and closed my account because they didnt want future credit with a score that was like mine. first of all, they didnt even tell me what my credit score is and secondly ive never missed a payment with them. its always early or day due and its usually a little more than min payment. she said that i will continue to pay and they are going to report it to credit burea and it will effect my credit score negatively. i dont care if they want their XXXX credit card not being used by someone trying to rebuild credit. thats not my issue. my issue is they are reporting me negatively to credit burea and are going to sabotage me trying to clean the credit score up by doing so and she said oh well its going to be reported and u will make ur payments anyways. cabelas club visa is the worst company i have ever dealt with. who out of the blue decides ur credit score is a reason to shut down ur account even though u make monthly payments on time and ruin ur credit even more
I have asked  Ditech  several times this week  XXXX  more recently on Friday,  XXXX   XXXX ,   XXXX   ), to e-mail me the statements from  XXXX ,  XXXX ,   XXXX  , along with a recent escrow analysis that was completed in  XXXX ,   XXXX  . I have received nothing via e-mail, though the customer service representatives have told me that they have sent the documents. What prompted the e-mail document request is that I am unable to login to the account via the Ditech online system, to be able to download the documents myself, since I do not receive paper documents via mail, anymore. I requested a reset " password '' link several times, and it does not work. I have been told by the customer service reps. that the login features have not be working since at least  XXXX   XXXX ,   XXXX  . Currently, since I am unable to access the login features of the website, I am unable to use the online payment features of the website, in addition to not being able to download documents. I am told that I am not the only  XXXX  experiencing this problem. And, the customer service reps. are unable to provide any information as to when the account login features will be available. I never had this kind of trouble when my loan was with  XXXX . The fact that the account login portion of the website has been inaccessible this long is inexcusable, especially since Ditech encourages its customers to use web-based services, instead of the  U.S.  mail. I am also annoyed by the fact that Ditech has made no efforts to put a notice on the website, to notify people that the website is having technical issues.
I recently opened a bank account at Regions Bank in XXXX Georgia. My initial deposit was a cashier 's check from XXXX XXXX. I was told there would be a hold on funds being a new account ; understandable. However, the banking associate told me after processing that because it was a cashiers 's check, funds would be available the next day on XX/XX/XXXX. I returned to the bank on XX/XX/XXXX to deposit another check from XXXX XXXX. At that time I was told I had a negative balance and a hold was placed on the check. That afternoon I received XXXX pieces of correspondence from Regions. XXXX was my check card, the other a letter informing me " We have confidential information that indicates that the check may not be paid. '' XXXX direct ) the funds were to be made available on XX/XX/XXXX. All money that was originally released to me was held by the bank to cover the opening deposit in my savings account, which I was required to open. I have not seen one penny of my money and it has been nine days since I opened the account. When I tried to withdraw money today, they told me my account was frozen. No date was given when funds would be available. The manager told me that the fraud monitoring dept. placed the hold and being Saturday nothing could be done. I would like to have access to my money and close my account and take my business elsewhere. My card was also cancelled because I have not used it yet and my pin number was changed without my knowledge.
My name is XXXX XXXX and I have been having difficulty opening an account with your bank for years. 
The account would open and then close shortly after opening. 
I do not have any difficulty opening an account with any other bank except Chase Bank. There is never any explanation for why the account can not remain open and this is very disheartening. I would love to have a Chase account since it is in the lobby of my place of employment and also across the street from my residence. Being a new mom, convenience is very important to me but also it makes me concerned that there may be some sort of identity theft as I have never had a Chase account. 

The lastest account number is XXXX.
Refinanced mortgage with XXXX. Closed on XX/XX/2017. Title company sent old loan company payoff amount on XX/XX/2017, that was several hundred dollars more than needed to payoff mortgage. It has been more than 30 days. Old loan company refuses to return my overpayment, has repeatedly lied about the amounts and details when speaking with me, and now has stopped giving me updates as promised. In short, they owe me several hundred dollars in over payment, now owe me interest from XX/XX/2017 on that amount, and are causing me pain and suffering. I have spent hours trying to get them to supply documentation and refund, to no avail. Bayview should not be allowed to stay in business and commit acts like this upon consumers. Old Loan Servicer : Bayview Loan Servicing , LLC ; XXXX XXXX ; XXXX Closing Company : XXXX XXXX XXXX ; XXXX XXXX ; XXXX Amount Paid : {$100000.00} Required Amount for payoff : {$100000.00} Date refund should have been received : Prior to XX/XX/2017
I just got a copy of my credit report and noticed this bill from XXXX XXXX for {$1200.00}. Dated for XX/XX/XXXX but It wasn't assigned to my credit until XX/XX/XXXX. I had already moved to XXXX. XXXX paid my bill in XXXX and it had to be paid in full. How could I owe {$1200.00} in XXXX? XX/XX/XXXX I came to XXXX to find a job and residence before I moved here the end of XXXX. I don't have the receipts from The Department of Human Services, but I don't owe XXXX XXXX XXXX No more than {$100.00} for final bill.
I am selling my home with an FHA mortgage. I have never defaulted on the loan and, as far as I 'm aware, all MIP payments were submitted from my escrow account on time. The closing date for the loan is XXXX/XXXX/XXXX ; I have made the XXXX payment on my loan. The MIP asked for in the payoff docs were {$530.00} My MIP monthly amount is {$270.00} so it is not quite two monthly payments. I was confused by this amount so I called the loan services. When I spoke with a loan counselor she said I was to pay one month MIP in arrears to make up for not paying on the mortgage for the month after funding. One month made sense until I looked at the XXXX closing docs for the loan. In it, two months of MIP reserves were collected at closing. Now the entire amount seems unwarranted - in fact I may be owed one month 's worth of the premium. I called the HUD line for clarification and they did say the lender was not to be charging MIP on the interest in arrears. I called my loan servicing company and requested to speak with a supervisor ; was only able to leave a voicemail and that person has yet to return my call. 

In a separate issue, I 'm being asked to pay one more month of interest " in arrears ''. It is the regular current interest payment on my loan and this seems right but I wanted reassurance from you.
I need help, I loved at XXXX for many years decided I was not going to renew my lease provided a notice as stated in my lease and now I look at my credit file and see a {$2600.00} collection. This is NOT accurate and unfair. I have disputed this with no outcome. Please help. I was a GREAT tenant and left the unit in excellent condition. Where are these fees coming from? This debt is NOT MINE
My husband and I submitted an investigation request to Equifax nearly two months ago. We have followed up twice, but have yet to receive a response from them. 

I am attaching a copy of the request we sent to them on XX/XX/XXXX.