WillisBack/dataset-financial-user-claim huggingface dataset:
I have contacted the office of The President for assistance with my dispute with this company. They have failed to address my issue by verifying with me how they came up with the dollar amount of they say I owe them after the final payment from the insurance company due to a total loss car accident. They are saying that I owe them {$1100.00} and have asked to settle this account with me for half of the amount. I asked them to provide me with the documentation that states how they came up with the additional money they claim the insurance company did not pay. According to XXXX he is saying that the dollar amount is from a final payoff and the initial documentation they gave me said it was from the cost of the sale of the car to auction. The dollar amounts are the exact dollar amount. It is clear that they are confused. I asked him to show me mathematical equation used to determine that dollar amount and he was n't able to provide that dollar amount. Collectively we tried to figure out the dollar amount using a simple interest formula but the amounts do not add up. After several failed attempts of trying to prove to me the dollar amount, XXXX just stopped taking my calls and stopped returning my voicemails. In response to my dispute, they are continuously verifying my dispute with all XXXX of the bureaus without legally verifying the said dollar amount. I have tried to resolve this issue with them for many months now and now they have given up and instead of trying to help me as a consumer they are avoiding me, illegally verifying information on my credit report, and not addressing or responding to any of my inquiries. I have mailed them certified mailing that they have failed to respond to and have yet removed this account from my credit reports.
I received an email from Experian based on the outcome of CFPB complaint XXXX that I could view my credit report online. Upon visiting the website and entering in the details requested, I am unable to view my credit report online.
A man by the name of XXXX XXXX would n't tell us who he worked for but I later looked up the telephone number he called from. I discovered he works for Regional Adjustment Bureau , Inc. He is trying to collect a debt from a family member of mine that owns a business. He repeatedly used multiple telephone numbers which he spoofed even local numbers to make it look like it was a local call. We called those numbers back and they were random people that had no idea what was going on. He threatened to call us every day until we contacted the person who owed the debt. He even went as far as contacting my wife, her sister, and her family who has absolutely nothing to do with the company who owes the debt. He even went as far as calling them repeatedly and hung up on them with a very very nasty tone. He told my sister-in-law that she " sounded dumb '' and asked if she ever went to school. Secondly, he called my father a " dead beat '' and told my wife to " shut her mouth ''. He has called not only the people above, but also my brother, and my sister. We are all tired of this " debt-collector '' harassing all of us which we have absolutely nothing to do with the debt owed. He has violated the Fair Debt Collection Act completely. The telephone numbers that he spoofed to call us are : XXXX, XXXX, XXXX, XXXX.
Ordered internet service from XXXX ( was XXXX XXXX ). They came out several times and I spent endless hours with IT people, but they could not get it to work. Three weeks later, I ordered XXXX service and called to cancel. I was led to believe any/all charges would be waived for the hassles. I had to go return the equipment. Since then, I was hung up on, transferred etc. They have now put $ 70+ on my credit report now and ruined my mortgage application/process. I finally paid it since I spent so much time trying to resolve this like a " normal '' business should. they turned it over to CBE Group which is their collections company. Account number XXXX and approval code CBE used to process my payment is XXXX. XXXX XXXX and service address was XXXX XXXX XXXX, XXXX TX XXXX.
I have sent a total of 5 dispute letters to Experian ; I have attached 4 of the 5 certified mail receipts for support. Each time, they respond back stating that the accounts are verified. My issue is that my certified mail receipt shows that my most recent letter was delivered to Experian on XX/XX/XXXX at XXXX pm. I received a response dated XXXX to my dispute letter verifying all 11 accounts in question. There is absolutely no way that Experian did their due diligence on investigating these accounts in just 6 days. My disputes are justified and valid and they are obviously auto-verifying my information instead of doing an investigation on the accounts in question. Here is a list of the items in my letter delivered on XX/XX/XXXX : XXXX XXXX XXXX - # XXXX Reason : This account has a charged off status but XXXX XXXX XXXX XXXX still reporting a balance of {$7900.00} every single month. If the account is charged off, the balance reporting should be XXXX. Please delete this erroneous account from my report ASAP. 

XXXX XXXX XXXX - # XXXX Reason : XXXX is reporting that the date of first delinquency was XX/XX/XXXX, Experian is reporting XX/XX/XXXX, and XXXX reports XX/XX/XXXX. Dont creditors send all 3 bureaus the same information? Please delete this inconsistent, inaccurately reporting account from my report. 

XXXX XXXX - # XXXX Reason : Account is reporting as a charge off but was settled. There is nothing more owed. Also, date of last payment is reporting differently between 3 bureaus ; Experian reports XX/XX/XXXX, XXXX and XXXX   report XX/XX/XXXX. This information is inconsistent and should therefore be removed from my report. 

XXXX # XXXX Reason : Account has been transferred to a collector who reports a balance which means this account should not be reporting. Please delete. 

XXXX - # XXXX Reason : Date of last payment varies across 3 bureaus which is inconsistent since creditors should report same info. This account should not be reporting. Please delete. 

XXXX XXXX - # XXXX Reason : Date opened shows XX/XX/XXXX but first reported shows XX/XX/XXXX. This makes no sense. How can an account report before it was opened?? Please delete erroneous account. 

XXXX XXXX XXXX - # XXXX, # XXXX Reason : These accounts are unknown. Please provide signed contract and/or application with my information on it or delete. 

XXXX XXXX # XXXX, # XXXX, # XXXX Reason : These accounts are unknown. The address provided by the company for when accounts were opened is also incorrect. Please provide signed contracts and/or applications with my information on it or delete.
I have called all   XXXX   credit bureaus about hard inquires made on my account without my authorization. I have also tried to go directly through the dealerships who did this no help. There are numerous inquires on my credit that I did n't authorize. I specifically told dealerships no more than  XXXX  and then I look and see multiple. Some of them are multiples inquires from the same place and should be removed.
To CFPB Team : I am currently facing a foreclosure situation with Wells Fargo. I am in the 4th year of a 5-year Chapter XXXX plan to save my house. I encountered XXXX hardships during my Chapter XXXX falling behind mortgage payments but continuing to make Chapter XXXX payments. Wells Fargo has been running me around the loan modification request and review process for over two years rejecting every request to capitalize my outstanding mortgage arrears and reducing my interest rate from 6.25 % to a market rate. Despite countless material violations of California Home Owner Bill of Rights, TILA and RESPA laws Wells Fargo has now filed a motion for Relief of Stay and hearing is scheduled for XXXX XXXX. My family and I would love to keep the house and resume mortgage payments but we cant get a fair representation with bank or owners of note ( Wells Fargo sold mortgage to XXXX in 2012 ). We are desperate for a solution as I am the only income earner in the house and take care of my wife, ederly mother-in-law and XXXX children. IS there anything the CFPB can do to intervene on our behalf to stop or delay the foreclosure process. We want to keep our house and resume making mortgage payments but Wells is only interested in foreclosure at this point despite numerous attempts to request home loan modification.
XXXX XXXX XXXX requested a credit limit increase on XX/XX/2018 and below attached will be the reasons for the denial in the letter provided by XXXX stating " Past and or Present delinquent credit obligation as reported by agency bureau reports. '' XXXX XXXX XXXX had items negatively reporting due to a mistaken identity ( similiar name ) in XXXX of 2018. These item 's were disputed and removed. But yet these item 's are reporting still to XXXX XXXX XXXX 's lenders. Please investigate and have this resolved. Below will be a copy of the denial letter, along with current copies of XXXX XXXX XXXX 's XXXX  credit report. And a fico snap shot of where his score dropped in XXXX due to the fraud on his credit report.
I opened a Delta American Express credit card. Before I activated the account, I received a mailer offer for XXXX miles with the same credit card. I called American Express on XXXX XXXX and told them about the better offer. At that time, they promised me that they would honor the offer on the mailer ( Code : XXXX ). I called them today ( XXXX XXXX ) because they had not honored it. They said that the marketing team had decided not to honor it. I feel like I was lied to ... ( I continued to use the card assuming that the offer would be honored and I never received a notification that it would not be ) Their response after a couple of manager escalations was that they made a mistake and would not honor the offer. I therefore closed the account. I would like to ensure that I am not charged the annual fee since I closed the account within 32 days of opening it. I also want to ensure that they do not lie to future clients
On XX/XX/18 I requested written validation of this debt in accordance with the provisions of The Fair Debt Collection Practices Act. I sent this letter certified mail XXXX XXXX XXXX XXXX XXXX. I received nothing, the statute requires a debt collector, not the creditor, to mail the verification to the consumer. The reporting credit company is not acting in fair manner
Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
SYNCB/AMEG D XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
On XX/XX/XXXXmy credit union issued cashier 's checks to payoff loan numbers XXXX for {$1600.00}, XXXX  for {$3800.00} and XXXX   for {$2000.00}. On XX/XX/XXXX these paymemts still were not posted on Prosper 's end so thinking they were not received I placed a stop payment on them to reissue new cashier 's checks. OnXX/XX/XXXX they were finally posted but now no good.

On XX/XX/XXXX I sent the new cashier 's checks via certified mail requiring a signature. USPS tracking number XXXX  in which it was delivered and signed for at the front desk onXX/XX/XXXXat XXXX Needless to say these loans are now past due, have accrued fees and can very possibly hot my credit negatively. I received a call from Prosper at my place of employment with absolutely no attempt to contact me on my cell phone. I was told it can take two weeks to post my payment!!! Why are they holding my payments??
Tried making our current payment online as we have done in the last XXXX months, our account was locked and flagged, they would not explain why, would not accept phone payment or any other, told us they could not accept any payment from us, we have never been late, also every rep, told us a different story, we just wan na make our payment, have not missed a payment going on XXXX years now, Please Help, there are alot of complaints against this company
This item for a collection from XXXX DBA XXXX And Omega RMS is inaccurate and fraudulent because the original contract was dated XXXX XXXX, XXXX, not XXXX XXXX, XXXX. ( See attached ) Therefore the recent collections effort is outside the Colorado Statute of limitations of 3 years. ( See Attached ) Also, upon trying to contact XXXX XXXX XXXX at the phone number listed online, it is disconnected. ( See Attached ) XXXX XXXX XXXX also never fulfilled any part of its contractual aggreement to connect or set up a date of any kind. Back in XXXX of XXXX I called the office multiple times requesting a refund due to lack of performance on their part. My calls were never returned and soon after the phone number was disconnected. I assumed I was simply a part of a scam and there was nothing I could do to get my money back. After doing research as to the corporation listed on the original contract names " XXXX XXXX '' I found that this company has forfeited existence with the secretary of state and has been inactive since XXXX XXXX, XXXX. ( See attached ). I am requesting that the item be removed from my credit report due to the fraudulence and lack of existence and lack of performance of the company trying to collect monies.
I made an arrangement with XXXX XXXX XXXX XXXX XXXX to pay {$220.00} for settlement of debt to be paid by XXXX XXXX, XXXX. I call the company on XXXX XXXX, XXXX, and spoke to a XXXX XXXX XXXX. I made the payment that same day using my debit card. XXXX XXXX sent by email the payment receipt dated XXXX XXXX, XXXX. I notice on my XXXX XXXX, XXXX, on my credit report for synchrony bank / JCPenny account in the comment section that it was purchased by another lender. So I contacted JCPenny and they told me that XXXX XXXX XXXX has this account. I asked why and told them that I had paid the account with XXXX XXXX XXXX. The representative told me that they did n't have any information concerning this company or payments and I would have to contact XXXX the lender. I contact XXXX XXXX and spoke to a XXXX XXXX concerning the issue. She told me to email to her the receipt of payment and she would get back to me. I received an email from her stating that the document I sent did n't show that the original creditor was XXXX that it was XXXX XXXX XXXX. She told me to contacted XXXX XXXX  about the payment and XXXX XXXX XXXX. I told her I did and they advise me to call her company. I asked her if she could send something stating that this payment was received to Experian Credit Bureau and XXXX XXXX / XXXX. She told me that they sent out this information to the credit bureau in XXXX XXXX and the company does n't do this anymore and she could n't help me. Therefore I should contact XXXX XXXX XXXX and XXXX XXXX again.
I have spoke with the collection agency and they have acknowledged my concern and have requested information to have the dispute resolved. Unfortunately, after sending them the required information I have yet to have this information resolved. it has been 3 months now and I have not received any contact, and when I contact them now they refer me to a answering machine.
PayPal had limited my account last year ( PayPal ID : XXXXXXXXXXXX ) and I had filed a complaint with CPFB, to which PayPal had responded. In this CPFB case case number : XXXX, XXXX XXXX ( PayPal Operations Counsel ) had mentioned that my funds would become available on XXXX XXXX, 2015 ( 90 days from last payment ). However, as of today XXXX XXXX, I 'm still not able to withdraw my funds in my Paypal account. I contacted PayPal personnel and customer service several times and requested them to resolve this, and even provided them a copy of this letter. However, they refused to help me in violation of XXXX XXXX promise and commitment. They told me that his promise and word does not hold any value, and PayPal 's generic policy is superior to his promise/written commitment. They informed me that XXXX XXXX did not notate my PayPal account ( XXXX ) so that the funds could be released on such date, and I do n't know why. I ask XXXX XXXX to correct this and make my funds available to me as promised. A copy of his previous letter is attached herewith.
I paid my account off on XX/XX/2018 and I am being told that it would take 10 to 14 days before I get my funds back on the account. This excessive time frame was never disclosed. When closing an account out at a bank it does not take 10 to 14 days. Typically a bank will give you your funds the same day the account is closed. I called an asked for an explanation of the 10 to 14 days and no good explanation was given. According the to the person I got on the phone the bank has some sort of things they need to check on the account which does not make any sense. Rep could not explain any thing further.
I am a XXXX year old home owner, who has admittedly struggled financially since the Great Recession of XX/XX/XXXX-XX/XX/XXXX, due to a substantial loss of supplemental income to my monthly Federal retirement annuity income, gleaned from a home-based business. However, on XX/XX/XXXX, I suffered a lost of my home to a fire. XX/XX/XXXX thru XX/XX/XXXX - notified mortgage company of loss right away, once I received reports from City Fire Marshall & Structural Engineer, Property Adjuster for Insurance company of severe structural damage to property, requiring demolition & re-building from foundation. Along with a total loss to structure, I also sustained a 75 % loss to contents in home, including furniture, appliances, clothing, etc ; & home-based business equipment & customer files. A builder contract was received, negotiated & executed for re-building of home, & approved by Insurer ( Estimated re-build costs went from $ XXXX to Actual re-build costs of $ XXXX ). All paperwork was submitted to Mortgage company property loss dept to manage. Demolition to property did not occur until XX/XX/XXXX, due to delays in obtaining permits from City Govt. Actual re-building did not start until XX/XX/XXXX. In the meantime, I was placed in 3 different temporary housing locations with tremendous expenses to me. XX/XX/XXXX - XX/XX/XXXX - Period of time it took to rebuild my home & in the meantime, I had run out of any funds provided for contents ( which were severely depreciated by Insurer from $ XXXX to $ XXXX ) - subcontractors received majority of these funds to restore any contents that could be restored. ) to begin paying regular mortgage payments. The Mortgage Co did execute a hardship disaster Forbearance Plan @ a reduced monthly mortgage to {$600.00} vs regular payment of {$1600.00} ( XX/XX/XXXX to XX/XX/XXXX ). I requested a re-consideration of a loan modification thru the the Mortgage Co Re-Entry Dept to allow me a few months to regained my loss of home-based business customers, whose paper & electronic record files/contacts were lost in fire. I submitted all requested documentation to Mortgage for re-consideration. From XX/XX/XXXX to current, I was led thru endless negotiations/contacts with various Mortgage Reps, Housing Counselling agencies ( 2 ) to gain assistance, until I received notice that my home was in foreclosure, scheduled for auction on the County court house steps on XX/XX/XXXX. At one point, I was told to pursue a Quit Claim Deed to add my adult children to my Title/Deed, in accordance to a new FHA Guideline, under Mortgagee Letter,  XX/XX/XXXX, effective XX/XX/XXXX. I discovered thru legal aid for senior citizens, who tried to assist me in obtaining a modification without results, that this Quit Claim process was not a viable option either ( it was taking me down a " rabbit hole '' ). I finally sought a Bankruptcy attorney to help me save my home, until I was able to make alternative plans to live in a State that was not my home State. This past year has caused tremendous XXXX and XXXX XXXX on my & my XXXX adult son personal health. an
My card was stolen & I received a bill from Macy 's for XXXX men 's items from XXXX NJ store- I never chargedI called thief Fraud line and reported the card stolen - I kept receiving bills & kept calling to take charge off and CANCEL the card - I also wrote XXXX lettersToday I got a call from collections!!!!! They never cancelled the card or credited my accountAll Macy service is OFF Shore not in U.S. - they say they will cancel and never do - apparently they ignore letters as wellThis company can not be trusted
I tried to get my free report. I entered all my information & received the message that they were unable to provide my report online
Experian is refusing to remove an collections account on my credit report. The account was originated prior to XX/XX/2012, but the date reported on the credit report is XX/XX/2012. There have been XXXX payments made on the account with XXXX XXXX XXXX That means the debt is out of Colorado XXXX , is well over the 7 year limit for any credit reporting. This account has been removed from all other credit reporting agencies. Also per my dispute that I filed with CFPB # XXXX XXXX and XXXX has agreed to remove the the account with XXXX XXXX. Experian has been notified and they will not remove this account either. They are not following industry standards, and they are causing detriment to my ability to obtain future credit. Both of these accounts need to be removed from my credit reporting as they do not meet industry or legal standards.