WillisBack/dataset-financial-user-claim huggingface dataset:
I noticed a debt from Account Resolution Services on XXXX XXXX. The debt was placed on my credit report in 2011. I sent ARS a certified letter requesting their info, the original creditor 's info, verification, and a lot more info for verification. They sent a letter back simply stating they verified the debt and the amount they say I owe. The debt is from XXXX XXXX XXXX of Maryland. I called the hospital, who put me in touch with another number that handles the billing for the physicians. Then given XXXX other numbers with no success at finding the bill or who is handling it. I called ARS and spoke to a lady, she stated that she did not know the contact info for them. I questioned how they would send them the money if I was to pay the debt, even though I do n't know what this debt is for. She simply stated that they could. I called back the next day, asked a lady named XXXX the same questions, received the same response. I asked to speak with a supervisor. A gentleman called me back the next day. I asked him the same questions. He refused to give me any info but said he had it. I then placed him on hold, came back and stated that I was recording the rest of the conversation. He refused to give permission and still refused to give me any information. Obviously they are hiding the original creditor 's info for a reason. Maybe they want the money for themselves. I simply want this resolved. Any help that you could give me would be much appreciated. Thank you.
I received a discharge in a XXXX XXXX Bankruptcy on XXXX XXXX, 2015. Ocwen filed a response to final cure payment in by Chapter XXXX Bankruptcy case indicating that I was current at the end of my Bankruptcy Case. Ocwen is now asserting that I have an escrow deficiency of approximately {$10000.00}. Ocwen will not provide me any additional information regarding the deficiency ; however, I have always had escrow included within my payments. My taxes and insurance have not increased significantly since my Discharge.
I am a victim of identity theft. Im XXXX  all on my credit due to this. I need help and its hard because Im very sick and unable to do this alone.
XXXX XXXX continues to report an open collection item on my credit report, even though this item has long since been paid in full. The balance is zero. This item has not been updated on my report in over a year.
It 's become ridiculous and long to open simple account with Peoples United Bank-XXXX XXXX XXXX XXXX location. With friendly service of employees at the bank we are__ : group of XXXX from XXXX unable to open simple checking account at this bank its sims Discrimination against foreigners .We came to the bank as of group of 10 people on XX/XX/XXXX ... .Bank request several documents to ensure that status in USA is legal and after that 4 (!!! ) weeks past and account still not open without explanation ... Total Discrimination ... Thanks for help. This is a address of this branch Peoples United Bank XXXX XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX
My entire experience with Ocwen loan has been extremely difficult. They have returned payments once I fell more than 60 day behind and they advised my bank that it was returned due to an invalid account number. I have been misinformed countless times by reps. My biggest issue is the violation of the Fair Credit Reporting Act. XX/XX/2016 I wired Ocwen {$3700.00} to bring my loan current. I was advised by numerous reps that my credit bureau report will be updated. One rep informing me it would be done immediately. Since XX/XX/XXXX I have checked my credit with XXXX XXXX, XXXX XXXX Free Credit Checked as well as ran free reports from all XXXX Bureaus. My credit has not been updated since XX/XX/XXXX and since XX/XX/XXXX with XXXX. I have disputed this with all bureaus and I have made numerous attempts to resolve this with Ocwen. My last attempts have been with their Escalations Department where they claim my Credit Bureau report was updated XX/XX/2016
At the end of XX/XX/XXXX, I received a CitiBank issued credit card co-branded with XXXX XXXX offering XXXX miles after spending {$7500.00} over 3 months and the privileges of access the Admiral lounges. The annual fee is {$450.00}. In XXXX and XX/XX/XXXX, Citibank launched a credit card promotion with XXXX XXXX which is widely promoted in the XXXX airline cabins. The benefits offered are XXXX miles with {$3000.00} spent in 3 months with the first year fee of {$95.00} waived. 
I called today offering to give back XXXX miles to XXXX and Citibank and to have the {$450.00} fee reimbursed and the card cancelled. Citibank refused to refund even if I cancel the credit card. Citibank claimed that they have a policy of no refund after 37 days while a consumer can dispute a charge billed within 90 days. Citibank is setting a more restrictive refund " policy '' to their own advantage. 
One card was offered with {$95.00} annual fee waived while another premium card fee has to be paid upfront with limited recourse for refund if the card holder is not satisfied with the services and benefits received.
There is an agency, XXXX XXXX XXXX, reporting negative information on my credit report that has an incorrect mailing address that they are using. After reviewing my credit bureau report, I sent a certified U.S.P.S. letter to this agency and it was returned to me. I am asking an investigation be conducted on this agency by XXXX  and Experian.
On the XX/XX/2018, I was unable to access funds in my account using my debit card at a car dealership, despite adequate funds being available in my account. The amount was {$12000.00}. 

Despite contacting the bank via telephone and spending over an hour on the phone with them ( being passed from department to department ), the bank refused to authorise my payment. After many different attempts at rectifying the issue by several different departments, the bank finally told me that a {$5000.00} daily transaction limit ( that I had previously neither agreed upon or knew about ), could not be waived even with my authorisation. The call centre also gave poor instruction to the dealership on how to authorise the transaction as debit, which led to a {$3000.00} transaction going through as credit ( giving the dealership a financial penalty which luckily they accepted on my behalf ). The bank then tried to force me to do a wire transfer, and didn't tell me there would be a charge until I was just about to authorise the transaction. Luckily I did not complete the transaction. 

I was forced to leave the dealership and complete a 2 hour round trip to retrieve a check book from home. 

The bank is HSBC US, though all of the departments I spoke to on the phone were overseas call centres.
Debt is from Cash Call and is sold to XXXX XXXX XXXX XXXX The information they are providing does n't match anything that I 've done. Date of loan is XXXX XXXX XXXX and amount is {$5000.00}. They are trying to collect {$15000.00} and has garnish my pay. I 've ask many questions, they can not answer and told me all that matters is there 's a judgement against me. All the information provided by this company does n't match including my pay stub, cable bill. I 've never bought or got service from XXXX, the pay stub said I worked for a company that I didnt. I called the companies and verified everything.
My Wife and I, Are Disputing An Item On Our Credit Report ... It 's A Judgement That Was Apparently Granted But Neither Of Us Knew About It And Was Never Served.
I applied for and received an American Express clear card on XX/XX/2018. There was a 60 day 0 % interest balance transfer offer included. The entire reason I applied for this card was to transfer high interest balances. During the promotional period I attempted several times to transfer balances from other credit cards, including cards from XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. The American Express system each time said it did not recognize the card as being from a valid issuer. Since these cards were all from major issuers, I assumed it was a system error and went back to try again. I am now outside of the 60 day promotional period and XXXX is saying I can not transfer a balance. I explained the technical issues with the representative when I called in, but she offered only an apology, with no solution. I let her know I would be filing a complaint related to this. I feel like this was a misleading promotion as the system they provided did not accept the cards from major issuers and caused a lapse in the promotional period that they will now not honor, even after explaining to the representatives the multiple online attempts in their system. I would like to be able to transfer balances in the amount of the promotional offer.
I have been disputed wrong information on my credit file for over 6 months, and still Experian has yet to properly conduct the investigation and send the results as I want them. As a consumer, I know my rights, and I know what is suppose to be sent when disputing accounts on a file that do not belong on there.
I submitted a mobile deposit to Bank of the West on Monday   XXXX   to which they put a hold on the deposit. I then had a check clear but due to those funds being on hold I was charged an Overdraft fee, even though there was enough to cover the check.
I had to take this loan to help out my family. I am struggling to pay it off but I do want to pay it off if the company would work with an easy payment plan.
i am getting phone calls saying if I do n't pay I will go to jail I ask to stop calling and it keeps happening everday
i was XXXX XX/XX/XXXX XXXX 10 months during this period someone used my atm card to withdraw funds from my account as well use my account fruadlanty. upon becoming aware of this activity i reported it to fraud department at navy federal XX/XX/XXXX. since this filing this dispute the security agents at navy federal ive spoken to have been rude, disrespectful, and have accused me of committing fraud.
Ocwen was notified XXXX of enrollment in AZ XXXX XXXX XXXX program. 
Ocwen never recognized participation in program. 
Payments received from the AZ XXXX XXXX were improperly applied to my account. XXXX XXXX Requests were made about alternative options to assist me from losing home XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX with no response. 
XXXX XXXX was sent and received XXXX XXXX XXXX House was placed on trustee sale XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. 
I was notified XXXX/XXXX/XXXX approved for loan modification I was informed XXXX/XXXX/XXXX of lien and need to remove prior to XXXX/XXXX/XXXX. 
Loan modification was denied XXXX/XXXX/XXXX because of lien. 
Relationship XXXX was asked about sale date and foreclosure status for XXXX/XXXX/XXXX was told no current sale date and foreclosure was on hold.
I submitted my Income contingent repayment plan with supporting documents ( XXXX tax returns ) in XXXX and XXXX ( see upload history and correspondence from Fedloan. I received many letters from Fedloan servicing confirming receipt and processing of my application. However I received at minimum 5 different payment plans ( see attached correspondence ). Fedloan servicing sent me an e-mail on XX/XX/XXXXstating my Income contingent repayment plan recertification application along with my XXXX tax returns were not processed in XXXX or XXXX because they need more supporting documents and to resubmit my application. I submitted a deferrment which ends XX/XX/XXXX. All of this occurred after I submitted a complaint to Consumer Financial Protection Bureau
On both credit reports XXXX and Experian they show that I have accounts with XXXX XXXX XXXX and XXXX XXXX. I do not have accounts with them. I called XXXX XXXX XXXX and XXXX XXXX they both said that they do not have any accounts with my Social Security Number. The partial account number listed on XXXX XXXX XXXX is # XXXX on both XXXX and Experian. Partial account number listed on XXXX XXXX is # XXXX. 
This number is on both XXXX and Experian. I have filled out the papers that both Experian and XXXX provide if you have issues with the reports. Told both XXXX and Experian that these account are not my. To remove them immediately. I contacted the fraud departments of the bureaus. I have also informed the Federal Trade Commission and they said to contact you. Also filed a police report with XXXX, PA police department. Report number with them is XXXX.
Received letter from Penn Credit on XX/XX/XXXX about a delinquent XXXX bill originating in XXXX XXXX, FL. It is impossible for me to have been charged for this service as I was going to school full time in XXXX XXXX, FL on the date in question ( XX/XX/XXXX ). Also, I have never received any mail prior to this point regarding any debt concerning an XXXX bill. I will be contacting Penn Credit tomorrow to request documentation on the debt. 

On a minor note, I find it questionable that the hours listed on the bill I was sent do not match the hours listed for the company online.
We took out a loan with Wells Fargo about 10 years ago. This loan was an interest only loan for a duration of ten years ; then the interest can change after 10 years. Early in the mortgage we realized that this was not in our best interest and it was the bank that acted as a predatory lender. My wife and I were quite capable of paying our mortgage. We have never missed a payment and always paid on time. We have asked Wells Fargo on many occasions to give us the opportunity to refinance our mortgage. Each time we were declined. Our first attempt for seeking refinancing by Wells Fargo was done with the assistance of Neighborhood Assistance Corporation of America ( NACA ) and we were declined. We were declined many other times through out the 10 years. We have paid out to Wells Fargo over {$400.00} dollars with little or no principle.
We finally got the opportunity to refinance with a different bank at a 4 % rate last year ( 2016 ). At the end of 10 years we are starting with the same amount on our mortgage as day one ten years ago. Wells Fargo should have the decency to refund us back a portion of that 400,00 dollars. With my new bank today, I pay interest plus principle plus an extra XXXX  for principle only to pay off my mortgage in 15 years. Be careful with Wells Fargo!!!!
On   XXXX   XXXX   XXXX    XXXX     i checked my  XXXX  credit report and saw that a new collection was placed on my report from   XXXX   XXXX   XXXX   for {$310.00} showing an open date of   XXXX   XXXX   XXXX     stating original creditor   XXXX   XXXX   XXXX  . I have no knowledge of said debt and due to my mother and i having the same name and i have had problems with her creditors in the past i decided to take no chances and sent   XXXX   XXXX   a  Debt Validation  letter through certified mail with a read receipt attached in hopes they would be able to send me something that would show that i owe the debt such as : a contract or payment history with my information. I also disputed the debt with  XXXX . About a week later i received a letter from  XXXX  stating the debt was " verified as accurate '' even though i still had not received anything from   XXXX   XXXX  . So i contacted  XXXX  by phone and asked them to reopen the investigation which they did and said they would reinvestigate. Then a week later i received  XXXX  separate letters from   XXXX   XXXX   The first letter dated   XXXX   XXXX   XXXX   was a  XXXX  ebt Validation Notice stating they purchased my debt and if i dispute the validity of the debt i can notify them in writing within 30 days so that they can obtain verification of the debt. The second letter dat ed   XXXX   XXXX   XXXX     was a Identity Theft Dispute Response letting me know to submit a police report for the identity theft. On    XXXX   XXXX   XXXX    XXXX   wrote to   XXXX   XXXX   again through priority mail with a read receipt responding to their letters and again requesting debt validation. I also requested any contract or documentation that ties me to this alleged debt. Then on   XXXX   XXXX   i received a letter from   XXXX   stating again that the debt was " verified as accurate '' even though to this day i have not received any other correspondence from   XXXX   XXXX   I have since mailed out to  XXXX  through ceritified mail with read receipt for Method of Verification due to still not receiving anything from the debt collector. This has caused me great distress as it has affected my  XXXX   XXXX  since it is showing as a recent collection from  XXXX    XXXX  . I am filing this complaint in hopes i can remedy this situation as quickly as possible.
I did not ask for a security freeze to be put on my credit The problem is the verification/validation Equifax did not verify the XXXX XXXX collection and XXXX XXXX. account on my credit. XXXX is not a valid form of verification. XXXX XXXX and XXXX XXXX is third party collection agencies they do not have my full social security number. Identity theft is so easy especially through the hacking of computers. I have contacted XXXX XXXX with a validation letter and have not gotten a response so therefore I know you did not contact them verbally and speak with someone because I was told that the Equifax representatives are not allowed to call the creditors nor the collection agencies. I sent Equifax a method of verification form that was never filled out.. Once again XXXX is a web based automated system the Equifax use . That is not verifying this account. I will be contacting the president of Equifax XXXX XXXX XXXX if these accounts are not removed immediately. The accounts not verified nor validated are XXXX XXXX and XXXX XXXX.
I pulled my credit and I noticed that there were some incorrect items on my report, I have been contacting them since  XXXX . They have still not responded to my request
On my XXXX credit bureau report, there is a " hard '' inquiry listed by SEARS/CNBA that is outdated. 

I have contacted both XXXX  and Sears/CNBA in writing to have this old inquiry deleted from my credit report, to no avail. 

The FCRA ( Fair Credit Reporting Act ), passed by Congress, dictates that any inquiries on a consumer 's credit report that are outdated, must be deleted from his/her credit report.
XXXX company has sent an account for collections to XXXX XXXX, a debt collection agency. I have been trying to explain to Convergent that I HIGHLY disagree with the charges as XXXX is making false statements about the nature of the debt. This situation is deeply troubling because I have been in escrow for my first home and they are about to cause me great financial harm by jeopardizing my loan prequalification. I will not hesitate to hold them responsible for any financial damages incurred due to this situation. 

Since I am in escrow, I am also cornered into settling this account post haste without having adequate time to dispute this account and " fight it out '' with XXXX. I have been trying to come to a resolution with Convergent that would resolve this account and remove the account from my credit report. They keep regurgitating that they do not " pay for delete '' which is NOT what I am requesting. Since it seems they only read from pre define scripts they are not able to address my concerns appropriately. This is deeply troubling, my stress level is through the roof and I need assistance from somebody regarding this unfortunate situation that is occurring.
This is my second complaint to CFPB for the same issue. 
I have a PNC Rewards card. For all of the many years I have had this card, I have been unable to redeem my rewards through their website. I have called each month, for over three years and get caught up in a 1/2 hour phone tree before I get someone who manually  redeems my rewards. I complain to them on the phone and to their supervisors and I have been assured that they are working on fixing the website. 
It was never fixed and to date, it is still not working. 
I filed a complaint to this organization a few months back and PNC did promise to look into it. I also received a personal letter from XXXX XXXX, Executive Client Relations, AVP who said I can call her anytime Monday through Friday XXXX to have her help me if the problem persists. 
I tried again on XXXX/2017 to redeem my rewards via their website, and the problem is exactly the same. Same error message. No changes. 
So I called XXXX XXXX. She did not return my call. The problem is not resolved. 
Please make them fix this simple website problem. It is not brain surgery.
Real Time Resolutions is reporting that I owe them for a 2nd mortgage that was released when the property in question went into foreclosure in XXXX. Their communication with my attorney was 'they 're looking into it. ' We have been attempting to get copies of any paperwork they have -- they have been looking into it since of XXXX. I am purchasing a home and have been delaying the purchase based on their erroneous reporting. Please assist in fixing ASAP. I need to provide a home for my kids. My credit is perfect outside of this company. Per my attorney -- it looks as if they've reported this without proof of paperwork. Please assist. 

Thank you
I am requesting the " method of verification '' under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). 
( a ) The name of the creditor ; ( b ) The person 's name they verified the dispute with ; ( c ) The address ; ( d ) The telephone number ; and ( e ) The documentation used to verify the dispute. 
For the City of XXXX XXXX Accounts # XXXX, # XXXX, # XXXX # XXXX each time I dispute theses accounts the company respond " Please contact credit grantor at XXXX and ignores the reason for my dispute. Theses accounts need to be deleted immediately!
XX/XX/2018 I am complaining about Experian. This company sold me a credit reporting service promising I could cancel at any time. Well the only way to cancel is by telephone. When you call the required number they do not answer the phone. They put you on hold for 2 and 1/2 hours. Then when the promised time comes up, the phone gets disconnected so you have no way to cancel. 
Because of this I cancelled the credit card they had on file. Then Experian used there credit monitoring service to get payment from a completely different card that was not authorized to be used. Is that not illegal? To use their credit monitoring service to access a persons credit report. Use a credit card number that they are not authorized for payment and then take money!!!! This company is a a predator.