WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I noticed an account from Credit Protection Associates via XXXX XXXX XXXX in the amount of {$260.00} from back in XX/XX/XXXX. I have sent several letters trying to resolve this account that doesn't belong to me. I have never had this service nor have any knowledge of such company. I have copies of letters I mailed to CPA EXPLAINING the false account, yet they insist they have proof of which they won't provide. They responded as To one letter as verified. I asked who verified it and provide me with proof so that I may prove that person in question also have no proof. I have signed and been giving copies of my signature on every product I have ever purchased. they can not provide my signature do to the fact they don't have it. I have been targeted to pay monies they can't collect from the person they can't find. it's been havoc in my life so far and I need this to end. Please help resolve this false blame so I may move on with my life. I have served my country true and for that I am able to use my VA loan to purchase a home, however this infestation on my credit report is making that difficult. CPA needs to stop harassing me with this account I do not owe.
Starting in XXXX of 2017, multiple credit inquires were made by companies and businesses that I did n't authorize. I have a credit verification statement placed on all 3 credit bureaus yet the credit inquires were granted. I was only notified after the fact via checking my credit report. I also included my phone number to verify if I authorize a credit inquiry. I fear that my SSN was used by someone pursuing credit and now my credit limits have been decreased on 1 of my credit cards ( XXXX ) due to these multiple inquires. All 3 credit bureaus have yet to report paid off balance or call/contact me about these numerous inquires. Also, multiple charges and cash advances were made without my knowledge as well ( XXXX ). Credit Bureaus at fault ... XXXX Experian XXXX I have started a Identity Theft Report with the Federal Trade Commission as well ; I have already been a victim of identity theft before.
Huntington National Bank processed a credit bureau inquiry relating to an application for a home equity line of credit without my authorization and signature. My husband submitted the application without consulting me and I received a notification from Huntington National Bank in the mail.
Our home suffered a loss due to bad pipes underneath my home. Our insurance adjuster came out and issued a substantial money payable to us and the mortgage company to repair our home. We endorsed these checks and sent them to their Loss Draft Department who was to hold in escrow and disburse back to us so we can effectuate repairs to our home. During the construction process the mortgage company released money back to us and our General Contractor, however in order to finalize the construction, we need the remaining balance of funds. Unfortunately the mortgage company wants us to be 100 % complete before they release the balance of our money. I 've tried for the past three weeks   starting end of  XXXX     2017 to e xplain, we ca n't get to 100 % complete without the balance of our money. This project started in  XXXX     2017. My fa mily and myself have been displaced out of our home and can not complete the project without the balance of the money. They expect us to come out of pocket for the repairs. Unacceptable as we do not have that kind of money just lying around. They have not been reasonable or accommodating to finalize the end of this project. Please help so we can finalize this and get back into our home. I have numerous emails back and forth for months with these guys. My insurance company tried as well to get them to release our money to no conclusion.
I have contacted Navient several times about lowering the payment on my private loan. It is impossible to even get a hold of them due to their horrible customer service. I will get an agent and then get transferred to a dead line, or simply the phone call will end. The times that I have been able to contact and talk to someone about my issue, they have stated that my payment will be lowered, which never happens. There is no follow through. Nothing. I have been told that I would receive a call back and I never do. They offer no options for private loan repayment. They tack on ridiculous interest rates to the point that most of the money on this loan I did not take out. This is out of control. I feel like I am a victim of fraud.
I received a notice from a company stating they had purchased my account from a Bank. In accordance with the instructions in the original XXXX/XXXX/15 notice from the debt collector, I sent a written request on XXXX/XXXX/15 to the debt collector requesting validation of the debt. The debt collector has not responded to my request as of XXXX/XXXX/15. The debt collector continues to send me notices.
Equifax is not allowing victims of their own data breach to place credit freezes on their account without charging them. I understand the process and that I can only supposedly get one with a valid police report, but I should not have to pay money to the entity that confirms it lost all my personally identifying information in a massive security breach. I would like my credit to be frozen on their end and I want them to reimburse me the {$20.00} I spent to put credit freezes on my XXXX and XXXX reports, as I should not have to pay for their mistake. I have attempted to call Equifax, find a way to contact them through the web, and have not been successful. Their automated system does not have any option to place a freeze without paying, there is no option to talk to a representative. I do not want to sign up for their credit monitoring and bind myself to their arbitration agreement. This is the single-most egregious thing a company has ever done to the American Consumer as a whole. I want my credit frozen and the cost of my freezes at the other two agencies reimbursed.
I made an XXXX Mortgage payment and it was taken out of my account on XXXX XXXX. Ditech refused to post it to my account and it 's calling and sending letters threatening with debt collection and late fees. I send them bank statement and proof from my bank and even had a three-way call with my bank, and Ditech still refuses to post the payment to my account.
Had my card declined, calle d Barclays and was told my account was closed and needed to wait for the letter that was sent out with explanation. Well the letter came a few days later stating the reason as negative public record identified. Called Barclays  again and was told that was all they could not elaborate and that it was company policy! I told them that I ca n't find any negative public record, so where and how did they. That told me to write the office of the president! Would n't give me an email address, found email address on company site!, told me to write a letter, gave me address! So sneaky!
Once again we are trying to obtain a lower interest rate on my XXXX mortgage. The interest rate is 11.375 % and with the economy and lower interest rates that have been below 5 % Bank of America gives me someone to chat with and after all the information is sent to them, again and again, we stop hearing from anyone. B of A was to set aside monies to help people like me so please help us.
Pleas be advised, I am requesting that XXXX XXXX XXXX XXXX reporting debt needs to deleted from my credit profile it needs to be removed due to inadequate valid reporting of me having a signed contract with them. I clearly have no financial obligation with the company, and by law they need to be removed from my credit report profile. By law a collection agency can not report a debt to the credit bureaus which has not been validated and I have addressed the needs to this company over and over for a whole year and the problem at hand has not been corrected. Again, I do not have a financial obligation with those company listed. Do not confuse Verification with validity. I have proof where I have sent this company lawful notices of FDCPA SECTION 809. Validation of debts [ 15 USC 1692g ] XXXX XXXX XXXX XXXX has failed to respond to my disputes within a timely manner, with a proper response. 
XXXX XXXX ( the consumer )
This company, Consumer Collection Management- acct # XXXX is showing an delinquent account as of XX/XX/XXXX for {$2000.00}. I never received any mail notice regarding this debt nor have I done any business with this company. I have requested that the credit bureaus investigate this, via electronic disputesXX/XX/XXXX, XX/XX/XXXX and via a credit repair agency as of XX/XX/XXXXand XX/XX/XXXX. As of this date, the bureaus have refused to investigate this account or they state that it was an error with my request. In addition, whenever I request or attempt to have the account investigated, the company keeps changing how their name appears on my credit report.
I need your assistance in helping to get inquiries on my credit file that was not authorized nor completed by me. I am a victim of identity theft. My purse was stolen and some my personal information was compromised. I did not authorize any credit applications ( inquiries ) between XXXX XXXX and XXXX XXXX. Please have Experian to remove these inquiries from my report.
I have thirty six closed Navient accounts beginning with the numbers XXXX that I have requested for XX/XX/XXXX and XX/XX/XXXX months to be reported as not late. It was returned as accurate despite my credit report showing my account was paid on time the previous four months ( see attached ). Subsequently, I requested all thirty six closed Navient accounts removed from my credit reports which was denied and reported as accurate.
CRA violation no knowledge inaccurate XXXX XXXX XXXX and Inquiries that I did not authorized appeared on my Experian credit report.
In XXXX XXXX I went to the XXXX Branch where my parents banked to close their accounts ( which were in a trust ). To make a long story short ... the woman that issued the checks handed me all of the documents required to close these accounts. All with live signatures, along with my copies. Hence, she had no documentation for closing out accounts that were substantial ( ending in 6 digits ).  The bank called me approximately a half hour later and ask if I would return the documents. I told me it was their mistake and they were more than welcome to pick them up from my home. They sent a courier to retrieve documents that should have NEVER left the branch. Upon closing these accounts I asked 3 times about the safety deposit box my parents had and was told they did n't have one. NOW .... NINE YEARS later, I receive a letter addressed to my parents stating that their safety deposit box access will be restricted until ( my parents ) contact the branch. I phoned the branch and ask for a branch manager ... which they do n't have. I spoke with a glorified teller who refused to give me his supervisor 's name and phone number. After several attempts, I got the supervisors name, and spoke with him, and several days later he said he would have a bank manager at another branch take over the situation with the safety deposit box. That was over 2 weeks ago and I have n't heard from anyone since.
I recently received my XXXX report and I noticed there is a total of 4 credit inquiries made by XXXX XXXX on XX/XX/2018 in regards to 4 of my retail accounts. XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX. I do not recall authorizing these ( 4 ) credit inquiries. I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I have been a victim of a security breach and what that said I am requesting you initiate an investigation into these inquiries to determine how this inquiries were requested and processed. I ask that these inquiries be immediately removed from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, please send me written proof of this and a detailed explanation of how.
I paid my balance of XXXX and they put it on my credit report after they cashed the check and then said that I owed XXXX.
XX/XX/XXXX Dovenmuehle Mortgage Inc Issues. 
I was informed XX/XX/XXXX that my mortgage servicing has been moved to the above company and started making payments to them. 
On the statement I noted that county taxes were fully paid which put our escrow into negative. I made a phone call and spoke to someone and tried to explain that the previous company was paying the county tax in 2 installments, which made sure the escrow balance does not go into negative. This person made out that they have always done it that way. 
I received an escrow account projection which showed a shortage of {$1400.00} and change. 
Escrow shortage for the year has never gone above {$200.00} since XX/XX/XXXX. 
We also go through a review of escrow yearly XX/XX/XXXX ; the payment was raised from {$1400.00} to {$1400.00}, which is a reasonable increase. All of a sudden we get an increase of {$120.00} a month. This increase is too high and I am unable to afford it as I have other financial responsibilities and obligations. 
I made a phone call to the company on XX/XX/XXXX, I was on hold for 45 minutes, this is just unacceptable, and I spoke to XXXX with ID number XXXX and XXXX with ID number XXXX. 
I made XXXX aware I can not afford my increased payment ; she asked that I fax a request to the research department. 
I am writing to let you know I can only afford up to {$1500.00} and no more. 
Based on my calculation if the insurance were to increase to {$1000.00} next year and the county tax went up to {$3200.00}, I would not have to make a payment of {$120.00} a year on top of the escrow payment of {$320.00}. This will only be an additional {$43.00}, not {$120.00}. I also suggest the county taxes be paid on a semiannual basis since the county allows that, that way the balance will not go into the negative. 
Thanks for your consideration. 
XXXX XXXX
I opened a checking account with Citibank late last year when there was a promotion of {$400.00} bonus when you deposited {$15000.00} in the account. The terms were the bonus would be posted within 90 days of requirement completion. I completed the requirement ( deposited {$15000.00} ) on XX/XX/2016. As of today, it has passed 90 days and the bonus has n't posted to my account yet. I 'd like the {$400.00} bonus as promised by Citibank.
I just wrote up a XXXX description and it is now ALL GONE!!!!! THANKS!! I really appreciate wasting my time on writing information you request, and when I continue, there is pop ups, then I close them, and now the page goes somewhere, I go back and have to start all over!!! 

I will be brief, since I wasted my time already. 
I am being harassed by Educational Computer Systems , Inc. ( ECSI ). Upon getting numerous postal mail, I sent a certified letter to them telling them to resolve the situation to take me to court. Otherwise and more correspondence would be an act of aggressive harassment. Which they have had done a few times. I told the I do not owe ANY money and that I can prove, instead I get the attitude when I called that they are the " FEDERAL GOVERNMENT '' and that I have to pay, because that 's what it says on a piece of paper or computer screen. I know the federal government is bunch of basket cases, ( whole reason why I have to write this ) and very incompetent as well. With this being said, there is other debt from the student loan that I do not owe money and can prove it. However, it goes on deaf ears and I am suffering the consequence of the perfect example of incompetence in the workplace. 
Furthermore, if you look at the attach document of " Statement of Account ''. If someone with half a brain that understand how XXXX, then why did a senator not see it, when I bluntly told him? It states right on there, {$550.00} for XXXX or {$330.00} for XXXX credit hours. I show credit hours of XXXX! Nonetheless, $ XXXX $ XXXX {$880.00}. Now in reality, I should have been paying {$330.00} for the XXXX credit hours at {$3900.00}. Instead I owe {$6300.00} and an additional {$360.00}, in order to continue! 
You have had time to look over these documents. YOU, meaning the GOVERNMENT! I even went as far as contacting the FBI, but still since I am one person, I am disregarded!
I have attached a copy of the Consumer Financial Protection Bureau order of 2015 pertaining to the collection process on medical debts. This federal agency has levied millions in penalties against several medical collection agencies for abusive collection practices since the 2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on Experian, XXXX and XXXX XXXX respectfully. Since the 2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.
My account was transferred to another service provider, Seterus, effective XXXX 2015. These five months have been a nightmare from the very beginning. Almost immediately, Seterus sent a letter that I owe almost {$3000.00} and for " my convenience '' they would spread the payment over two years. When I called, representatives said they could not talk with me because I was in foreclosure and bankruptcy and they could only speak with my attorney ( I have never filed for bankruptcy in my life ). Seterus next claimed I owe money for negative escrow account although the bank that transferred the loan paid all taxes and insurance and reported a positive escrow balance. I called to make payment arrangements when my tenant moved until I obtained another tenant, and was encouraged to apply for forbearance ( which I did ). Shortly after, I started receiving threating and intimidating phone calls. I was told forbearance was denied ( although to this day, I have never received anything in writing ). I made arrangements for stagnated payments through my checking account. On or around XXXX XXXX, 2015 after XXXX payments had been made and a third was scheduled for XXXX XXXX which would bring the account current ( owing for XXXX ), I received threatening and intimidating call and the representative threatened that I was still in foreclosure and had to pay all the money owed. I requested to speak with a manager who also was very verbally aggressive and intimidating threating foreclosure and said the balance would be withdrawn at the end of XXXX from the account on file. I told her it was illegal to take funds unauthorized and told her to cancel the last scheduled payment for XXXX XXXX, 2015. I cancelled the authorization verbally, by e-mail, regular mail and fax. Payment was still processed and when I tried to resolve the matter with Seterus as my bank suggested, I was told I must give them a letter from the bank saying that I gave Seterus authorization to take the funds.
This is in regards to the response to my fourth complaint regarding XXXX XXXX and credit reporting. In XXXX of XXXX a complaint was submitted regarding XXXX XXXX reporting a delinquent payment status on my account. After the complaint was resolved XXXX XXXX sent me a letter stating that they would waive all late fees. In addition to waiving the late fees the letter stated that the payment status would remain delinquent unless that remaining balance was paid in full before the XXXX XXXX, XXXX due date. The letter also stated that the payment status would be adjusted and reported as current if the payments were made on time. Two payments were made in the amount of {$120.00} and {$120.00}. Both payments were submitted via XXXX XXXX XXXX check and cleared my account on XXXX and XXXX respectively. On XXXX XXXX, XXXX XXXX XXXX reported to Equifax and XXXX that my account was paid in full but still reported the account payment status as delinquent for the month of XXXX XXXX. My account was paid in full before XXXX XXXX, XXXX due date and my bank account statement will show that the checks presented for payment were cleared before the end of XXXX XXXX and before the next due date of XXXX XXXX, XXXX.
Without any notification, requested documentation, explanation or warning my account access was restricted, then this account was closed. Only after it was closed did I receive a letter from USAA stating it would be closed in violation of the consumer protection laws and Regulation Z. After inquiring the reason for this action, I was told they did n't know. The letter stated improper use, to which I requested clarification on as I have not done a single thing with this account from the date of opening. I 've received no response.
I request a credit limit adjustment to XXXX XXXX dollars to match most of my other credit card accounts from the other banks. My current credit score is XXXX & have been XXXX XXXX for over thirty years now.
I disputed a charge from bank account in XXXX 2016 regarding a charge from XXXX rental car. I was involved in a car accident and XXXX paid XXXX the money owed for the rental car. I confirmed with XXXX that the check was cashed by XXXX on XXXX for the amount that I was disputing. I contact XXXX on several occasions and was advised they would send me a check for the balance that was deducted from my bank account, the amount was {$590.00}. I was advised by the store manager of XXXX that the check would take 6-8 weeks it has now been 9weeks,. I contact XXXX a few weeks ago and was advised by one of there associates to dispute the charge with my bank and that this will resolve everything. Yesterday the bank declined the dispute and took all my money from my account without any notification. With that being done I contact the bank and they stated their is nothing I can do.
My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX XXXX and XXXX.