WillisBack/dataset-financial-user-claim huggingface dataset:
Please find attached a copy of the page of the lease that management and or other personnel at the apartments appear to have willfully and intentionally altered without our knowledge and approval therefore, I hereby request that the charge for rent for the month of XXXX, 2014 be removed from my XXXX credit report. 

Please find attached pictures of what appears to be management and or other personnel at the apartments. It appears as though management and or other personnel employed by the apartments allegedly took the photographs. The pictures appear to show management and or other apartment personnel in the process of I think willfully and intentionally vandalizing the carpet in the apartment that we rented and vacated from the apartments therefore, I hereby request that the charge for damage to the carpet in the apartment be removed from my XXXX credit report. 

I hereby request that the charge for rent for the month of XXXX, 2014 be removed from my XXXX credit report on the grounds that Resolve Partners, a collection agency, failed to vet this case properly according to the rules and regulations as outlined in the OBLIGATIONS OF FURNISHERS UNDER THE FCRA because the lease ended on XXXX XXXX, 2014 and XXXX XXXX, a realtor in the State of North Carolina and manager of the XXXX XXXX Apartments in XXXX, NC used a writing instrument to manually change the end date of the lease from XXXX/XXXX/2014 to XXXX/XXXX/2014 without my knowledge or permission. 

I hereby request that the charge for carpet damage be removed from my XXXX credit report on the grounds that Resolve Partners, a collection agency, failed to vet this case properly according to the rules and regulations as outlined in the OBLIGATIONS OF FURNISHERS UNDER THE FCRA because after vacating said apartment, I hired an apartment cleaning service to clean said apartment, and I hired a carpet cleaning service to clean said carpet. After management and maintenance personnel from the apartments examined and approved the condition of the carpet and cleanliness of said apartment, it appears as though management and or other personnel at the apartments intentionally forced a finger between the seams of the carpet and ripped the seams apart. The management and or other personnel then blamed me for ripping the carpet seams apart and billed me for the replacement of said carpet and violating the end date of said lease. 

I hereby request that the charge for rent for the month of XXXX, 2014 be removed from my XXXX credit report on the grounds that Resolve Partners, a collection agency, failed to vet this case properly according to the rules and regulations as outlined in t
XXXX XXXX contact XXXX Westlake Financial account number XXXX The loan was paid off and should of been closed wrongful made a payment to them after loan was paid off and they have not given the money back I have had a law write a demand letter months after the incident happened and still no money I am out {$500.00} and it 's been 5 months I made the payment to westlake call over and over talked to my bank XXXX and they said they could n't help because it was trough my the online bank as a wire transfer I told westlake for the first month they said they did no get the payment I should documentation and they said they would send it. Months later I get a lawyer to write the letter they tell him they sent me the money but nothing
I have a debt collector calling my number over and over for someone I do n't know. There is never a person and always a recording giving me the debtors name and address. How is this a legal tactic? The company is GC services and their number is XXXX. Can something be done to punish this company, or are they acting within the law?
I've reached out to the company multiple times to get something with my information and they won't provide me with anything. I never took a loan out with the company and I don't feel I should be held responsible for money I've never received.
My husband died on XXXX/XXXX/16. He does not have an estate. There are no funds to pay the debts. I notified all of his creditors. XXXX has continued to send bills, text messages & unlike other creditors ( XXXX, etc. ) has n't sent any letters. However, I have received calls from DCM Services which does not provide information about the debt, etc. I have told them twice that there is no estate, that I want them to stop calling me & asked the name of the creditor. Both times, they hung up the phone but continue to call asking to speak with someone handling my husband 's estate, but again fail to advise on who 's behalf they are calling. This is harassing and I find it reprehensible. I need this to stop asap. NOTE THAT I AM PROVIDING MY HUSBAND 'S social security number as they are trying to reach his estate
I recently was denied credit due to a utility lien and medical bill. The utility lien was {$140.00} and the medical bill was for {$1100.00}. Union Credit Corporation is negatively reporting utility liens and medical collections that do not belong to me. I filed a police report with the XXXX Police Department. Identity theft report # XXXX and Report # XXXX with investigator XXXX. I have been a resident of XXXX Tn since 2008. I was a victim of identity theft and I do n't owe these debts and I would like these items removed from my report immediately.
This debt is about 17 years old and I remembered that I have this debt account closed by cross country. Now some new copy pay who is 3rd party have been.sendingme letters.
I first noticed a transaction of {$120.00} was taken off my Rush Card, on XXXX/XXXX/2016. I went back as far as my phone would allow. I saw the same transactions in XXXX, XXXX and XXXX. I tried to contact Rush Card. They no longer have customer service. I also checked my statements on line, there are no records of these transactions. Any assistance you can provide will be greatly appreciated. XXXX
Equifax along with XXXX  and XXXX  refused to remove the fraudulent accounts off my report violating the FCRA. I sent multiple times my police report along with my FTC affadavitt to no avail. Immediate rectification should be exercised to the problem at hand.
I refinanced with Countrywide XXXX XXXX, XXXX and my home was valued at about {$390000.00}, an increase in value of about {$150000.00}. In XX/XX/XXXX, I applied to Bank of America for a HAMP loan. It was a horrible process. I talked to a new representative every time I called. I was told to skip a payment and it would roll into the final loan without causing any problem to my credit. I was finally given a HAMP loan at 4.25 % interest, increasing to 5 % after 5 years. My monthly payment was reduced by less than {$200.00} ( Principle, interest, taxes, insurance ). In XXXX, XXXX my monthly payment was {$1200.00} for principle and interest at 4.25 %. It is now, after completing in XXXX, XXXX, $ XXXX/month at 5 % interest. My principle was reduced {$5000.00} after completion. I have repeatedly tried to re-fi and I " do n't qualify, '' primarily because of my credit. 
My credit is in a shambles. I have n't had a raise since XX/XX/XXXX and had a 2 % pay cut for almost 2 years. I am an XXXX and have worked here for 28 years. Even so, I have been an excellent customer for BOA since XX/XX/XXXX ( though I fought with them to correct my credit when I skipped a mortgage payment at their request ). 
Now I am trying to get a HARP loan and, again, " I do n't qualify. '' Today I was told that my re-fi was an unconventional loan and did n't qualify with MHA. That is the first time I ever heard that. When I objected, the rep talked to someone a second time and he told me that XXXX XXXX does n't own my mortgage. I checked on the XXXX XXXX site and XXXX XXXX has owned it since the XX/XX/XXXX re-fi with Countrywide. If I do n't, then BOA did something to my mortgage that I was never aware of. 
Over the years, I have been told many different, conflicting things by BOA representatives. After the rep gave me XXXX unrelated reasons why I did n't qualify today, I see no reason to keep talking to them. 
I simply want to be able to afford the home I 've lived in since XX/XX/XXXX. BOA has not helped me, in fact, they have made my finances much, much worse.
Payment of {$180.00} due to Bank of America was submitted through  a Biller Service  on Saturday  XXXX / XXXX / XXXX . Payment was not processed by Bank of America until  XXXX / XXXX / XXXX . A late fee of {$25.00} was placed even though full payment was received and made before the due date. No partial payments were made. Called company and spoke with  XXXX   XXXX  to waive {$25.00} since it was the first time this happened, given that she mentioned she was not authorized to make that decision, she transferred me to her  manager   XXXX   XXXX , who reviewed the information in he system and after he verified mentioned that he could not waive the fee.     That Thursday  XXXX / XXXX / XXXX  I looked to verify the fee and I noticed that instead of the {$25.00} I had been charged {$27.00} with interest. I called Bank of America again and throw time spoke with  XXXX  from California who did not want to provide her last name. I explained to her the situation and mentioned that I was being charged interest over the late fee and paid {$27.00} to avoid getting paid and interest. She wanted to remove the {$2.00} and did so without my authorization and I told her I would pay at that moment the full amount to avoid being charged more interest. She said I would be charged additional interest at the end of the month. How is this possible? I made the full payment and paid late fee with interest? Not understanding what clause in the contract says this. It is not clear. It seems that because of them proces sing one day late the payment I will need to catch up with them, buy then if I do n't pay they have two days to cha rge me addditonal interest? It seems Bank of America has the upper hand in this situation and I will always be at a disadvantage.     I have been a loyal customer since  XXXX  and I have never missed a payment.     Will my interest rate change? The Bank does not make this clear.   Will this affect my  credit score? Will this be reported in the Credit Bureaus? The bank says  no, but I would like an impartial party to clarify and have clarity if these charges are fair towards a customer who made the full payment on the card.     Thank you.
Received a bogus notification of a credit-card debt settlement from an organization that operates under the following company that is already discredited by the XXXX  : Student Loan Control , LLC 7 years in business XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX  Link XXXX XXXX XXXXXXXX They use the clever, but duplicitous, moniker " Department of Negotiations. '' They appear to also operate under the following name : XXXX XXXX XXXX It's a scam designed to prey on the ignorant.
I have contac ted discover be cause I realized I am still being billed for payment protection each month. I enrolled in auto payment and paperless billing. I do not use this card for purchases and use the app to confirm my payment went through and see the balance going down each month and never up. But apparently th ey are sneaking in payment protection. I called them and they offered me the max of a six month credit. I did research online and saw there was a law suit about this that was settled and that Discover had  to notify the customers and refund them. The woman tonight on  XXXX   XXXX  informed me their policy changed in  XXXX  and I no longer qualify for the full refund only th e six month. When I asked why I was not informed she mentioned they mailed it to me which I never received! I asked for a copy and they said the copies are property of Discover and I am not allowed to see this but to be assured it was sent. Why would I ignore this and wait until now to call about it? Of co urse I would want a refund asap!     I have been billed hundreds of dollars a year even recently and have not been refunded for these fees and I never signed up for this or have been explained the fee or agreed  to it. One woma n said since  XXXX  I signed up then the othe r one si nce  XXXX  and I said how I did n't open my account until  XXXX . I am only trying to get a refund of atleast  XXXX  to current. I was never informed of the lawsuit and was never offered any refund and one was never applied to my account previously. Please help.
In my XXXX and XXXX  credit report, both had reports from First Federal Credit Control for {$85.00} owed. First Federal Credit Control also listed on the credit reports the same amount of {$85.00} with two different account numbers XXXX and XXXX. Double dipping on credit reporting. First Federal Credit Control never sent me notification of the debt for me to be able to review and dispute if necessary. I was just lucky to be viewing my credit reports for different reasons and happened to see the First Federal Credit Control reports.
I received a letter from This debt Collector Alliance One from an account I do n't owe it shows the amount owe is $ XXXX.At this time I would like to dispute the validation of this alleged Debt because I do n't recognize it, I would like to ask the CFPB to get in this dispute to assist me with my Consumer Rights if in any way has been violated.
During the time that I was paying this credit card, I was working two jobs in college and while all other payments were on time. I missed the payment during XX/XX/2016 and it was an honest mistake because I was focusing on school and forgot that I had this bill to pay. I spoke with a representative and they informed me the would be unable to remove the late mark from my report at the time, that is why I am asking for reconsideration now. I have a 98 % on-time history and this incident was about 2 years ago now. I spoke with the representatives around the time and they informed me that they were unable to remove the " late '' payment, now after consideration I would greatly appreciate it if I could have this removed as I have not missed a payment or been late since this time. Not to mention, I was younger and did not understand the importance of credit at the time. I am now trying to increase my credit score and this would help  immensely. Thank you for your time and consideration.
Macy 's has reported multiple late payment remarks to the credit bureaus for {$2.00} that was past due because of a fee that Macy 's charged then charged a late fee interest on top of the 1st fee assessed. I called Macy 's on XXXX and they have stated the problem has been fixed and that there was n't any late payment even though my credit report shows it. I 've attached all of my documents. The credit bureaus have still done nothing to help as well and I 've already submitted requests to help me.
For about two weeks National Enterprise Systems has been calling every morning at about XXXX for a person that does not live at my address. I have asked them to stop calling my phone number but that has not stopped the calls. I want them to stop calling.
My ex-husband, XXXX submitted a fraudulent loan modification with OCWEN Loan Servicing , LLC . on the property that I am co-borrower. The XXXX signatures on the paperwork are forged, I never signed or agreed to a modification. ( I was actually out of the State on the date that the papers were signed ). Per our divorce decree he is required to refinance the property to remove me ( not remodify ). XXXX knowingly submitted the modification with intent to defraud OCWEN ; however, OCWEN is allowing him to do so because they benefit from the fraudulent modification. The property went into default and OCWEN offered my ex husband a modification. There was never any type of hardship, and he should not have been offered a modification ; his income was {$150000.00} in XX/XX/XXXX and his overtime alone was {$35000.00} enough to have covered the {$26000.00} of late payments. OCWEN is allowing fraudulent servicing practices. I have tried several attempts to contact OCWEN to discuss this but each time I called they said that they were protecting their customer and could not discuss the loan with me ( my ex husband was allowed to remove my name as an authorized contact on a loan that I am co-borrower on ). I received a letter today ( XX/XX/XXXX ) stating that after their review they are doing nothing, stating the signatures are " consistent '' against other signatures. THE SIGNATURES ARE FORGED, OCWEN is doing nothing! I filed a police report in XX/XX/XXXX with the XXXX Department ( XXXX ) and it is currently with the District Attorney 's Office.
XX/XX/2014, I purchased Jewelry on the a Wells Fargo XXXX XXXX. This was a 12 months same as cash arrangement. When I received the bill, I set it up for 12 months with 2 weeks before the final due date. My account was on auto payment and was in good standing. 

Wells Fargo did not apply my last payment until after the " deadline '' date of the contract ( let me reiterate, this was on autopayment and completely in good standing. The amount sent he period was greater than what was required to payoff in advanced of the arrangement ). Believing my payment was paid in full, I did not check back until a credit alert occurred on my credit score. 

I called Wells Fargo immediately and was told the only way for me to dispute the charges was to fax or mail a letter. The letter below was sent on XXXX XXXX. I have since called twice ( with their collection agencies calling my phone multiple times a week ) and the letter is never received. Forcing me to either pay {$540.00} ( which is about XXXX % of the amount I put on this card to start with ) or get a 60 day delinquent mark on my credit. 

( The fact that my last payment was not applied for several weeks was CONFIRMED by a Wells Fargo Rep when I called ; however, he could not do anything about it. He could only ask me to send a letter. That letter was never received. ) This is a predatory practice. The fact there is no way to dispute and get a resolution of these charges short of a fax or a letter that will never be received is prove of this.
We have been Bank of America customers for well over 20 years and on XXXX XXXX, 2016 my entire family received letters individually that each of our accounts was going to be closed in 30 days with no explanation. It advised our account would be restricted in 21 days not stating what those restrictions would be and we had 30 days from the date of the letter which was XXXX XXXX, 2016 to make other banking arrangements. We have never had any inappropriate banking practices and have had several accounts throughout the years with no issues. So this comes as a complete shock to say the least! My husband and I have had our checking account for over 20 years and our daughters have had checking and savings accounts with them since the age of XXXX and they are now in their mid twenties. Upon receipt of the letters I immediately called the phone number on the letter and was not given the option to speak to a live representative. There was only a voicemail stating that if we received a letter that our account is closing its a business decision and no further explanation or reason will be given, so if we still wanted to leave a message regarding something else that could be done. I then went directly to our branch and spoke with the manager who was unable to give any information and stated that our accounts had no indication or notations that they were to be closed. She submitted an inquiry on our behalf, but with no resolution. A few days later I returned to Bank of America to do some banking before the accounts closed and spoke with XXXX of the associates who assisted us quite often and advised me that our accounts were being closed because I deposit too much cash. I have a small business and receive checks and I can not afford for the checks to bounce so I cash them and deposit the cash to my accounts. After over 20 years as an account holder and no issues with our accounts I ca n't believe that Bank of America would close all of our accounts without provocation or explanation. To further make matters worse we were told after 21 days our accounts would be restricted when actually they have been closed prior to the date stated in the letter. We have not been allowed to withdraw the remainder of our funds and that they will not release the funds and we have to wait for a cashiers check which wo n't be even processed for mailing until XXXX XXXX, 2016. We are not in a financial position to just have our funds sit while Bank of America decides when they will release our money after treating us so poorly and unfair. My family and I have been loyal customers for so many years to Bank of America and their treatment of us has been horrible. We have not been able to get any reliable information from anyone of authority and after being an account holder for so long I feel its the least they could do is explain this situation. I will never bank with them again or advise anyone else to bank with them either. They 're handling of this situation has been completely disrespectful and unprofessional! It is my hope that CFPB can do something to hold Bank of America accountable for their mistreatment of customers.
Noticed my check was being garnished but I never receive anything from anyone about who or why.. After making a few calls, I find out its Mendelson law firm. I call them on XX/XX/XXXX and they told me I had a balance of XXXX and that they would send a copy of the judgement against me. After looking over the copy they sent, it said that the judgement was for XXXX I 'm not sure when my check started getting garnished but i have each weeks check from current day to XX/XX/XXXX stating how much had been token out each week for a TOTAL of XXXX that is XXXX too much. I 'm not exactly sure when the garnishment started, it was sometime around XX/XX/XXXX but could have possibly been a week or so earlier. When I ask the lady on XX/XX/XXXX what the balance was she told me XXXX I spoke with the same lady again on XX/XX/XXXX she told me my balance was only XXXX I was confused as to how in 7 days did my balance get reduced by XXXX dollars in 7 days when my check was only being garnished of XXXX a week. The lady asked to call back. She called back in about 15 minutes and told me the original creditor was XXXX and the Mendelson had assumed the bad debt from XXXX. She also said that since I last spoke with her 7 days prior, that Mendelson had received one payment of XXXX something dollars and one that was a XXXX dollars. Again me being confused as to how they were getting XXXX checks when only XXXX dollars was coming out of my check each week, I asked her. That 's when she started telling me of assuming the bad debt. I think the whole firm is shady and may never stop trying to get money from my check. Oh and I think I fail to mention that the original judgement was dated XX/XX/XXXX.. I 'm not sure but I thought after a determined amount of time, these things expired
After investigating an unfamiliar debt listed on my credit report, which I looked into after being denied credit, I discovered that the debt listed on my report was for a different person, at a different address, for a different and lower amount than listed on my credit report.   I asked  XXXX  to investigate this obvious fraud, and they came back with the stance that they would keep it on my report until   XXXX   and include my statement detailing why it is fraudulent.     This is a breach of trust and failure to investigated reported debts and uphold accurate credit reporting rules as is required by credit reporting agencies. Because of this misconduct, I request that CFPB investigate this debt report  ( p reviously reported here  ) and compel the credit bureaus to increase screening and implement debt validation practices and to be forbidden from reporting false and damaging information on a consumer 's credit report.      This credit bureau will be held liable for damages caused for acting in bad faith and failing to verify reported debts.