WillisBack/dataset-financial-user-claim huggingface dataset:
{$1400.00} was taken out of my Bank of America Acct on XX/XX/2018 from XXXX XXXX. The company contacted me and told me that my furniture was discontinued and offered me to order different furniture which I did this furniture was cheaper therefore i was suppose to be refunded the difference with in 3-5 business days and was scheduled to receive my furniture in 3 weeks I never receive a refund the company is closed and never delivered my furniture I filed a complaint with Bank of America on XX/XX/2018 and waited 90 days still no resolve the Bank shows they investigated on XX/XX/2018 and I had 45 more days to wait. Still no resolve Ive contacted the bank and I still have not receive my funds returned to my Acct. I paid using my Credit card/debit card connected to my checking Acct as a credit Ive been more than patient Ive  submitted receipts and if you go online it shows the company is closed. I would like my money back.
This account has previously removed or block from my credit file, item has been determine fraudulent, a report with FTC had been file XX/XX/2018 and experian and transunion had removed it but now are relisting it, this is illegal according to FCRA. 
Please remove this fraudulent item from my credit file. 

Thank you.
This letter is to inform you I have filed a formal compliant against OCWEN, LLC Servicing center with the Attorney General Office in XXXX/as well with the Department of Justice for suspending my ability to make my mortgage payments via online or over the phone due to their negligence. 

As of XX/XX/XXXX have I remained current on my payments and have provided proof of payment and OCWEN has continued to block me for the past 45 days disabling my account with the intent to sabotage my credit and to accrue late fees and are demanding that I only make payments by XXXX XXXX or certified funds for the next six months. 

I would like for OWCEN to suspend all phones calls and only contact me via email XXXXXXXXXXXX or mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding my account. I do not wish to receive any phone calls.
I filing this complaint, Equifax, XXXX, and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. 

Thank You!
I needed a credit report for a state bar application and I chose Experian. Their records were not current in some instances and so I submitted a dispute. This was resolved but the closure dates on XXXX accounts changed from the original date that each creditor had on record to the date of the dispute. I filed a second dispute to correct this issue and the dates merely changed to the date of the new dispute and did not reflect the original date of closure. For XXXX days from XXXX to XXXX I called Experian and the XXXX card companies getting conflicting information and endless blame shifting and stone-walling to correct a simple record-keeping error. The credit card companies also informed me that disputing inaccurate information would harm my appearance of creditworthiness! Experian refused to consider that both XXXX and XXXX had the correct dates and that the card companies had never changed these dates and had consistently reported the correct and original date of closure in all three instances. The changes were happening only at Experian and they gave me conflicting procedures on how to 'change the date back to the original date, ' a problem that only ever existed in their system. The card companies happily offered to send letters to me with the original dates, but could not send an update to Experian because their own records already reflected that they had sent the proper updates, including the original closure dates. There was no change to be made 'in fact ' only in the record keeping of this one reporting agency. Each time I spoke with Experian the procedure for fixing the issue changed. I only wanted accuracy and honesty for the benefit of my bar application. Little did I know I was harming my credit by filing disputes on long since closed and good credit accounts. This is an ongoing Orwellian nightmare, and if it is not soon resolved it may harm my bar application process!
On two different occasion the representative said they would email me deletion letter. What I had received was n't a deletion letter but a letter just stating my account was paid in full. I called customer service, then another representative said they do not send out deletion letters. I need a deletion letter stating that I have paid this off long ago and need it off my credit report.
ON XX/XX/2018 I received an email from my HR of a voluntary wage garnishment from XXXX XXXX- I have no loans or ever had business with this company. I have had identity theft in the past and have filled police reports and FTC affidavits proving my case. 


In the wage assessment sent to my employer, they claim I signed a contract online and that's all they needed to collect on this debt. 

The demand letter was sent by XXXX XXXX who is not licensed in the state of Washington.
XXXX account # XXXX has agreed via the XXXX to remove account with all he credit bureaus. XXXX and XXXX have removed the account on XXXX/XXXX/15. I need Transunion to remove account immediately so I can close escrow. Please remove midland from my Transunion report immediately. Thank you
I set up a re-payment plan with Bayview Loan servicing and made the final payment on XX/XX/XXXX of the re-payment schedule. I was told at that time that my mortgage was current. Today on XX/XX/XXXXI get a bill in the mail and they are still looking for twice the amount of money after I was told that the payments would go back to XXXX  on XX/XX/XXXX. As you can see by the statement that I am enclosing this is not the case and Bayview has breached the agreement because this was an agreement to make the loan current I have been paying more money and still the loan is not current. With all the complaints that you get why can't you shut these people down?????
While reviewing my TransUnion credit report on XX/XX/XXXX I discovered that someone had used my identity ( Social Security Number & Home Address ) to purchase an XXXX XXXX for $ {$740.00} from a XXXX store in XXXX Colorado. They had the phone purchase payment added to the bill which was never paid and eventually went to collections. 

I called XXXX on XX/XX/XXXX and they provided the following information : - Where purchased : Internet Order - XXXX Account Number : XXXX - Mobile Phone Number assigned to phone : XXXX - Email address provided by customer : XXXX - Date Phone purchased / Account opened : XX/XX/XXXX - Date account closed for no payment : XX/XX/XXXX - Current Balance in arrears : {$980.00} - Address where phone was shipped : XXXX XXXX XXXX XXXX, XXXX XXXX ( This address pulls up as a XXXX XXXX XXXX ) - Address provided when phone was reactivated : XXXX XXXX XXXX XXXX, MD XXXX ( This address pulls up as a XXXX Corporate Office ) I contacted XXXX on XX/XX/XXXX. They deactivated the phone and I reported the incident to the XXXX Fraud Department.
I had my credit score ran 2 times by Spring Leaf and I never gave authorization to run my credit. When I called the office they gave me another number to call. When I called that number, they looked up my account and said I had to send them proof or they were not going to take it away. They said it really was n't on there, but when I looked on my credit report it was, 2 times.they blew off my complaint by minimizing my findings, saying it was n't on there the credit report is wrong, I had to tell them multiple times. This was around XXXX, I threatened to contact cfpb and hung up the phone ... ..now near XXXX same day, I checked and the inquiries are gone, but the fact is they STILL ran my credit without my persmission and I think they need some sort of repercussion.
Equifax was hacked 2 months ago, they did nothing about it until now and all of my information has been compromised. They 've given no next step instructions, or explanations on how this happened.
On XX/XX/XXXX I pulled my credit report to discover that Rent Recovery Solutions located at XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, hereinafter Respondent was reporting information on my credit report which I have no personal knowledge of. 

I have had no prior dealings with the Respondent. 

On XX/XX/XXXX, I delivered a letter via USPS Certified Mail Number XXXX XXXX XXXX XXXX XXXX to the Respondent requesting, in purview of the 15 U.S.C. 1692g, for them to validate their claim of debt against me. 

As of the date of this complaint the Respondent has not presented any factual evidence of " Record '' ( as defined in 15 USC 78x ( a ) ), that would show that I am contractually obligated to pay, Rent Recovery Solutions, a collection agency, anything. However, the Respondent continues to report false information about me to the credit reporting agencies. 

I am with reasonable belief that the Respondent is in violation of the following : Using deceptive means to collect a debt ( 15 U.S.C. 1692e ( 10 ) ) Using unfair or unconscionable means to collect or attempt to collect the alleged debt ( 15 U.S.C. 1692f ) Failing to send a 30 day validation notice within five days of the initial communication ( 15 U.S.C. 1692g ) Attempting to collect after being notified to cease and desist ( 15 U.S.C. 1692c ) Failing to report my dispute to the credit bureaus ( 15 U.S.C. 1692e ) Failing to validate while continuing to pursue collection ( 15 U.S.C. 1692g ) Attempting to collect an amount not authorized by agreement of law ( 15 U.S.C. 1692f ( 3 ) ) Willful noncompliance ( 15 U.S.C. 1681n ) Negligent noncompliance ( 15 U.S.C. 1681o ) On XX/XX/XXXX, I delivered a " Notice and Demand '' via USPS Certified Mail Number XXXX XXXX XXXX XXXX XXXX giving the Respondent " Fair Notice '' and a chance to correct their error.
Due to loss of business, unemployment and financial hardship my home went into foreclosure. I tried to avail myself of different government programs to get relief. I attempted multiple times to submit a short sale application to ChaseXXXX Bank but it seems that the only tactic they employ is to delay, deny receiving documents, claiming they ca n't read them, bullying me and lying. They have shown zero attempt at helping me resolve my issues. I have submitted every document they asked for and in return my attorney keeps telling me they want me to refill and submit the same exact documents over and over again without attempting to give me any relief.This has been going on for years not months YEARS. This is the bank taking advantage of a person in dire financial straits. The house is empty because I ca n't afford to care for it or heat it. It 's falling apart. I have told them this and they refuse to do anything they are obligated by law to do except torture me.
Western sky, Delbert, and XXXX, called my sons cell nand threatened to take me to court if I did n't call them back. I immediately called back n spoke with a guy named XXXX XXXX. He was so rude and threatening. They lied about calling my son and I asked him for their license info and address and what XXXX stood for. He was screaming at me and said it stands for nothing. I told him that if he would send a validation letter thru the mail, I would see what it was about. He said one had been sent. He would n't give me a license number just kept saying we are suing you. The address he had was not mine, I explained that and he proceeded to insult and degrade me. I told him that my son was XXXX and to give me the info I requested. He hung up on me so I called back and he kept degrading me n hung up again. I called back and a woman answered and she hung up on me.
I added a couple family members as Authorized users, they restricted my two 20 year old ( in perfect standing for 20 years BTW with not one missed payment ever ) Capital one accounts.

The demand ID/SS card etc, I send it in, they release the accounts, I then ask " Look I have a few more people to add as authorized users such as my daughter in law etc, if I add them will this happen again? '' they promised it would not.

guess what, I add her and BOOM restricted again and now they refuse to release unless I send ID/DD card and proof of address for EVERY single authorized user since the card began 20 years ago ... .. half these people I have not even spoken to in over a decade, some are no longer living etc. so now 2 accounts, over 20 years old each, in perfect standing can no longer be used YET they still charge the yearly fee ...
In XXXX 2017 I filed a dispute of an item on my credit report with Transunion. I provided documentation which proved that a collection did not belong to me and Transunion removed the disputed item from my credit report. A week later I discovered through the TransUnion website that they had lowered my credit score. The reasons for the scoring were contradictory. On the positive side they claimed I had no collections, that my debt ratio was perfect and my payment history was perfect. On the negative side they claimed I had too many collections and past due payments my debt ratio was too high and the age of my accounts was too recent.
When I called to find out the reasons for the discrepatencies they told me that the score on line is not my real score and that I would have to pay to get my true credit score. When I told them that they had raised my score last month and I owed more and had the incorrect collection yet this month they lowered my score even though I owe less and the collection was no longer listed they told me that the scores they give for free and the scores they give when I pay them and the scores they give to potential creditors are not the same. They also refused to transfer me to a manager for clarification. I feel that TransUnion is intentionally providing fake score on their website in order to force people to pay for an accurate credit score. In addition, the measure they use to determine credit scoring is arbitrary and biased. I feel TransUnion uses bribery in order to sell scoring products and also practices discriminatory scoring practices.
I tried to get my APR correctly reflected to the 6 % as required by law underneath SCRA and the company is refusing to adjust after, numerous email, calls and letters. They chose not too and I eventually canceled my card even after stating I would due to their non-complience
Previous letter receive by the debt collector statement ( Ocwen loan Servicing ) has sold the servicing rights to XXXX XXXX Mortgage, without my awareness or consent, which is a violation of my contract and rights according to FDPCA. In my defense, I did the following, '' 1st payment was sent certified cashier check in the amount of {$650.00} and it was returned back to me by Ocwen Loan Servicing on XX/XX/XXXX. " 2nd payment sent in the amount of {$650.00} by personal check # XXXX mailed on XX/XX/XXXX and returned back to me. However I 'm paying the escrow myself ( Taxes & Insurance ) since XX/XX/XXXX Homeowners Insurance and Taxes paid in full for XXXX. I later receive a correspondence from Ocwen Loan Servicing on XX/XX/XXXXXXXX ( Mortgage Reinstement Quote ). which is a debt collector. By reviewing my recent copy credit report, It shown on all 3 credit report paid and current for accepted payments for {$650.00}, All payments were paid current according to my payment records, later discover XXXX and XXXX payments was n't applied on the credit report, but the following payments were applied on XXXX, XXXX, XXXX, XXXX, I need to know according to alleged statements I receive monthly, Why are they returning my payments and quote : stating I have the amount do on my account. I need answers ASAP. Thank you kindly
I. Javitch Block and XXXX XXXX sent me a letter XXXX/XXXX/XXXX that they had been retained by XXXX XXXX XXXX XXXX XXXX. 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. II. I responded on XXXX/XXXX/XXXX. In the letter, I asked Javitch Block LLC and XXXX XXXX to validate the debt. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by Javitch Block LLC on XXXX/XXXX/XXXX. III. I also pulled down my credit report and saw that this debt had been charged off. IV. I was served a lawsuit on XXXX/XXXX/XXXX by Javitch Block LLC and XXXX XXXX regarding this matter. This firm stated they were retained by XXXX XXXX XXXX XXXX XXXX. That claim is patently false, since the debt was charged off. If XXXX XXXX XXXX XXXX XXXX was still pursuing this debt, it would not be at this status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as a third party debt collector. The statements made by Javitch Block LLC and XXXX XXXX in the letter are fraudulent and misleading and intended to intimidate. Further, Javith Block LLC nd XXXX XXXX has extended this fraud into court.
I have XXXX auto loan company 's that I want to dispute on my credit, XXXX was thru pnc bank the money was wired and I have the reciept they are showing not paid still and another thru XXXX I paid my loan off and they closed the business but did n't remove it off my credit
I have a collection account being reported on my credit reports by XXXX XXXX. I sent XXXX XXXX a letter and mailed it certified letter return receipt # XXXX on XX/XX/XXXX, which they received and signed for on XX/XX/XXXX. To date, XXXX XXXX has not responded to my written request nor provided me with any validation for alleged debt. I have been forced to file an Identity Theft Report - Report # XXXX with the Federal Trade Commission because XXXX XXXX is reporting this false debt on my credit reports and has not complied with the law regarding The Fair Credit Reporting Act.
XXXX XXXX XXXX told me they were taking over my loan because I am a XXXX XXXXr in the XXXX repayment program. They told me not to deal with XXXX anymore. I paid them {$700.00} and I do n't have that kind of money. They directly lied to me. They stated they would be managing my loan.
I have a loan with WELLS FARGO HM MORTGAG. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and WELLS FARGO HM MORTGAG with no successful resolution.XXXX, XXXX and XXXX was the only one / were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.
XXXX XXXX called my work repeatedly and shared personal information with my manager. XXXX
I have been late but not behind, my concerns are : **New American Funding has not sent me requested information showing the months they claim late fees for, I do believe I overpaid the late fees, wired in through my credit union in the month ofXX/XX/XXXX 2018. 
2. I paid XXXX and the claim I was to pay XXXX and have held without applying showing my account as behind, which I disagree with. my last payment for late fees was paid in excess of what was claimed as due, submitted via wire for just the purpose of not being late. 
3. XXXX has put in place transfer from all customers to be able to transfer monies from one XXXX account to another, yet when I tried to pay my mortgage via the transfer numbers to chase for New American Funding, as mortgage lender, On the third time, after phone call from manager at XXXX XXXX I was denied, though I had done so on prior transactions, In each transaction, all of my information was submitted to assist in the application of funds, verified by XXXX employee on the receiving end.. XXXX called and has refused me opportunity to pay my mortgage that way even though it is a chase holding account, causing me to be late when it could have been avoided. 
4. Manager from XXXX called yelling and screaming, for about 15 minutes, to upset me, then he says I need to record the conversation, I asked why the recording was not going all of the time, no answer, I hung up. As result of that conversation, he blocked my future payments to New American Funding, through the holding bank, XXXX as receiving account. ( New American Funding has established with XXXX. 
5. Late payments were taken from my XXXX mortgage payment, and caused my account to look as though it was late without explanation. 
6. I also feel my account is being targeted on a monthly basis, making things much more difficult than it has to be. 
7. I have complained about the amount of time it takes for New Amer. Funding to apply funds, they in turn keep sending me the address to which I should send payments, it is the same place I have been sending, yet they are late every month applying the funds, sometimes two weeks.

I was having a very difficult time at one point and asked XXXX to allow me some assistance or arrangement to have one payment put at the end, I was denied, as was not offered any other form of  solution, very irritating conversation with employee, during the month of XXXX.
I have been a victim of transunion inquiry issue. I called them on XXXX/XXXX/XXXX to try and resolve this issue but customer service was no help to me. Please help in getting this issue fixed. The following inquiries need to be removed from my credit report : XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX/XXXX - XXXX/XXXX/XXXX XXXX/XXXX - XXXX/XXXX/XXXX XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX/XXXX - XXXX/XXXX/XXXX
MY CITY TAX WENT UP {$17.00}. and change I sent Mr.copper mortgage holder escrow money. {$470.00} and a addn ai XXXX dollars to add to my escrow, so as to keep my payments .at {$510.00}, calling them at lest 6 time.they told me that the co.mr cooper was a debt collector and a mortgage company.XXXX XXXX SOLD MY LOAN TO MR.COPPER.unknown to many i think they use to be called anyhow can you call them and check it out.help no. is XXXX
An old Home Equity Line of credit that I closed at Bank of America in 2008 was suddenly reopened without my permission about a year ago. When I called the bank and informed them of what appears to be unscrupulous sales practices, they claimed it was never closed and I would need to send the {$10.00} to close it.
I was attempting to print off all XXXX credit reports. XXXX went easily and already corrected the disputes. EQUIFAX has the identity portion that must belong to someone else.This is affecting my credit as XXXX says I have XXXX things lowering my score. 
I was asked to identify myself by selecting a mortgage as well as a loan that I do not have. I owe nothing and never pay a bill late. As a result of lack of identity to their satisfaction I could go no further and did not get my report. The XXXX report XXXX I was in the middle of reading and it would go no further and they now say I can not get back in either to read or print off my free copy. Please help me .Thank you
Hi, I obtained an FHA loan with NationStar Mortgage XX/XX/XXXX. My house value has increased dramatically and I have contacted the NationStar many times in regards to removal of my mortgage insurance. They have declined. The most recent request was XX/XX/XXXX and they declined again. I am hoping the CFPB can help me to resolve this issue as since I have this loan, I have never once being late for my payment.