WillisBack/dataset-financial-user-claim huggingface dataset:
I have had my mortgage with Wells Fargo since XX/XX/XXXX. I have paid my mortgage with bill pay since inception. As of my XX/XX/XXXX payment in XX/XX/XXXX,  Wells Fargo began charging me a late late fees because they claimed I did n't pay my XX/XX/XXXX payment. 

I received a phone call for the first time on this matter on XX/XX/XXXX from a collector who claimed I am past due and owe over {$400.00} in late fees. 

Upon inspection of my payment history, I was able to prove that they posted 2 payments from XXXX XXXX on my account in XX/XX/XXXX. One on XX/XX/XXXX and one on XX/XX/XXXX.  They then claimed that the applied the 2nd payment as a principal only payment because it was the 2nd payment I made that month and it was before XX/XX/XXXX. 

I then proved that this same situation occurred in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and yet they did n't apply those payments a principal only. 

They then told me that I had to wait 24-48 hour that someone would acknowledge that they have opened a case for me. They made no commitment as to when the issue would be resolved even though they agreed I proved I made all my payments. 

They did agree to put a hold on all collection calls while they fix the issue. I now have to wait 24 to 48 hours for someone to call me back and then tell me how long it will take them after that call to finish researching and fixing my issue.
In XX/XX/XXXX, I opened a credit card with XXXX XXXX. I believe made payments until it was paid off and never received a statement to the contrary. I have been receiving calls from a company on their behalf using numerous phone numbers and told the first two or three callers ( approximately XX/XX/XXXX ) that I did n't owe them any more money and asked for written documentation of the debt. I asked them to stop calling. Instead, they continued to call numerous times a day, frequently from two or three numbers in succession. On Wednesday, XX/XX/XXXX, a person named XXXX called my husband on his cell ( he is not on my account and I did not give his number ) and told him I owed them over {$800.00}, that I opened my account in XX/XX/XXXX and stopped paying them in XX/XX/XXXX.  She called from XXXX and gave XXXX ext XXXX as a callback. She told my husband she would be getting an attorney to sue me if I did n't respond to her within ( he does n't remember if it was 24 hours or that day. ) Just prior to that, I also received a call. I was at work and could not answer. 

Tonight, I received calls at XXXX, XXXX, XXXX and XXXX and my son, who is XXXX, received two calls on his cell phone ( I was siting next to him ) at XXXX and XXXX during which he said it was not my phone number. It was the same person twice. 

I am appalled that this firm working on behalf of XXXX XXXX would share my personal information with someone they do not know and who is most definitely not on my account. 

Can you help me stop this harassment and get an accounting of what I supposedly owe? It was originally a {$500.00} line of credit and I paid it on time. 

Thank you XXXX XXXX
XXXX XXXX is reporting incorrect information such as terms, amounts, balance, origainal balance to XXXX. 
i have asked to send contract that bears my signature no response. 
they have been asked to verify no response but keep increasing there balance on loan monthly and when challenged. 
XXXX also has fail to verify information and provide such information to me on several attemps to resolve this 1681i, which provides, in relevant part, as follows : If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by a consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information .... If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information.
Chase committed fraud then claimed they didnt own the house now bought the house for {$500.00} which is well below market value. Their representative told me on the phone when he called from their " Executive Office '' SO WHAT IF CHASE BOUGHT IT FOR {$500.00} THAT IS NOT AGAINST THE LAW. Then they answer the complaint claiming JP MORGAN CHASE DID NOT PURCHASE THE HOME ... ... Please find attached the REFEREE DEED STATING THAT THE PARTY OF THE SECOND PART ( JP MORGAN CHASE ) paid {$500.00} FOR THE RESIDENCE. THIS IS A PERFECT EXAMPLE OF THE CONTINUOUS LIES THAT JP MORGAN CHASE PERPETRATES. THEN THEY CLAIM THEY HAVE ALREADY ANSWERED THE COMPLAINT. THE ONLY ANSWERS THEY HAVE GIVEN ARE INACCURATE FALSE AND COMPLETE FRAUD
Discover finance calls on my land line to my cell phone back and towards every day including Sunday from XXXXto XXXX every day at least 20_30 times a day
The transaction of my bank ( Simple by BBVA Compass ) should update to my XXXX account in every payday, which it did n't.
Good Morning, I bought a car in XX/XX/XXXX through a car dealership. My vehicle loan ended up going through the Santander Consumer USA XXXX. Although I never received any type of car note or statements in the mail from this provider ( ever ) I paid {$400.00} dollars every month to the company through XXXX. The initial loan for my car was {$17000.00} dollars roughly, which is why I insisted on paying {$400.00} dollars every month. In XX/XX/XXXX, I began to look for a home and once my credit report was pulled, it showed that I still owed this corporation {$10000.00} dollars. I did the calculations of what I had paid on the car so far and found that I had already paid this company {$20000.00} dollars so not only had I paid for my car in full, I had actually been overpaying them. My car ended up being totaled sometime in the earlier dates of XX/XX/XXXX, and once I began to having to deal with my insurance company, they informed me that the Santander company was now stating that I owed a total of {$11000.00} dollars and that any amount of money that I would receive for my car would go directly to this consumer financial group. I took it upon myself to call the Santander consumer USA company who went from {$10000.00} one day, down to {$9000.00} the next day, and {$2000.00} by the time that we got to Friday. I still refuse to pay this amount because I feel as though they are blatantly cheating me out of even more money that I do n't have. Upon further investigation by myself, I found out that the Santander company was already being investigated federally. 

Thank you for your time.
I am a victim of identity theft. There are fraudulent accounts on my credit report. I have already submitted my police report, FTC identity theft affidavit, drivers license, social security card and utility bill to Equifax with my written and typed dispute and they continue to still report these fraudulent accounts. Because they have not removed these fraudulent accounts, It has prevented me from getting a house and credit. I have sent several disputes to Equifax and I get a completely irrelevant and what seems like auto-generated letters back. The other credit bureau these fraudulent accounts but because Equifax has n't and also denied to blocked these fraudulent accounts as I requested and am entitled by the FCRA. I have given many opportunities to have Equifax correct this blatant fraudulent reporting. I now have to escalate this issue to this complaint and will now consult with a lawyer. The fact that Equifax says they " verify '' is counter intuitive, since I am an identity theft victim, of course my name, address or what other information will be used. That 's what identity theft is, the use of a person 's identity, personal information and anything else that is used to identify a person. If there was n't this use, it would be called something else. I 've attached copies of my letters, police report, affidavit and some Equifax responses. Equifax is well aware these accounts are fraudulent and is just ignoring my disputes while continuely to report it. 
Please assist me to remove this fraudulent account from my credit report. Thank you.
I paid off my auto loan from Hyundai Motor Finance and have been enquiring about the title which now lawfully should be turned over to me. I 've received a myriad of responses including they do n't have my title, they wo n't send me the title, they will send in 90+days, I should go get a duplicate from the DMV as they 'll never send me a title, I should get it from the dealership etc. All these calls are recorded by HMF so you can see what they are doing. 
I believe I complained about their using incorrect credit scoring and over charging me interest so they are now retaliating with holding on to my paid off car title. 
I just want my title as I 've paid the loan off and HMF is illegally giving me the run around. The DMV sent my licence plates and registration to the dealership who forwarded to me ... And HMF says they have n't even received the title from the DMV ... What a lie!
In a recent phone conversation on XX/XX/XXXX with Wells Fargo representatives, including the underwriter XXXX, and our XXXX XXXX XXXX representative, XXXX, it was stated that the reduced mortgage would be {$3000.00} with HOA fees included ; the current mortgage is {$3100.00}. This would give a reduction of {$18.00} which falls in the guidelines for XXXX 's XXXX, our Master Servicer. 
We are requesting assistance from the CEO or President area of Wells Fargo. We believe we were eligible on the XX/XX/XXXX modification request based on our calculations. We request a detailed explanation about how the underwriter determined his/her decision.
I had filed a dispute towards a collections company who was reporting along with a second company a debt of {$610.00}. I sent a letter of debt verification which they could not respond to. This debt was not mine, they removed it from my credit report already. Now this new company has popped up in my credit report, reporting the same exact information. 

I have no idea who this company is or why they are reporting to my credit reports but I will be sending a letter of verification and filling a complaint because I have no idea who they are. 

This was XXXX 's closure response : " The account was recalled by XXXX on XXXX/XXXX/XXXX. The account was submitted for deletion from the credit report on XXXX/XXXX/XXXX. 

However, since she has indicated that the account remains on her credit report, we have submitted an online manual deletion on XXXX/XXXX/XXXX. The XXXX reference number is XXXX. 
We believe that this will resolve this matter for this consumer. If you have further questions, please feel free to contact XXXX XXXX at XXXX. ''
XXXX XXXX XXXX FOR OVER A YEAR NOW HAS BEEN REPORTING ON MY CREDIT REPORT. FILED COMPLAINT IN WRITING AS WELL ONLINE AND HAS NOT RECEIVED ANY VALIDATION ON DEBT REPORTING. THIS DEBT CONTINUES TO BE REMOVED FROM XXXX/XXXX/ XXXX   THAN REPORTED AGAIN SHOWING MORE THAN ONE OF THE SAME ACCOUNT CENTRAL FINCL CONTROL HAS NOT SHOW LICENSE NUMBER NOR INFORMATION FOR COLLECTING IN MY STATE
this issue is with XXXX XXXX. flight confirmation number is XXXX. they charged me for a flight that I did not take. I called and spoke a representative on XX/XX/XXXX that I couldn't make my outgoing flight. they tried to put me on a later flight but advise that I needed to get to my destination earlier. I would look into something else. they advise my return flight was still good. on sunday when I tried to check in to my flight it gave me an error I called and they advise my flight was cancelled. after speaking with 3 agents they said nothing they can do I would have to call back on Monday and speak with corporate so they can pull my call from Friday so they can refund me or put me on another flight. I called on Monday and they advise that they could not pull the call and that nothing can be done. I advised several times that there own agent on Friday said my return flight would be ok. I requested to speak with a manager they advised couldn't transfer me and that nothing can be done. XXXX XXXX has stolen my money and took advantage of my situation. I called to see what could be done and they advise that my return flight was still good. please help my get my money back that they took from me for a service that was not provided. thank you
I have a collection account reporting wrongfully as a re-aged account on Experian and XXXX  bureaus.I have disputed multiple times and provided sufficient proof for the bureaus to act unilaterally.The account is XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX.XXXX   DELETED UPON PROOF OF RE-AGING. 
If EXPERIAN AND XXXX  READ THE CFPB COMPLAINT AGAINST XXXX XXXX attached here, along with the other proof ... .. 
they should be able to delete the account without any further lies from their subscriber.
Collection Service Incorporated claims to have sent an itemized state obligating me to a debt they say I owe. Unfortunately, HIPAA regulations in the United States prevent any medical documentation to be shared. I am requesting that Collection Service Incorporated provide the following since they have failed to do so.

Debt validation in the form of an original bill and detailed statement of procedures is required.

Debt Validation should be received no later than 30 days from receipt of this request.

If First Collection Service Incorporated can not provide adequate validation within the 30-day time frame, all debts should be immediately removed from all three major credit reports. 
I request all further correspondence regarding this debt collection to be sent via mail. Do not contact me by phone
In  XXXX   XXXX  I sent a lette r to I.Q. Data International , Inc. as king for validation of debt with   XXXX   XXXX     XXXX   XXXX   XXXX . On  XXXX   XXXX ,  XXXX  I received a letter stating the prinicipal due is {$7000.00}, copy of a lease that expired  XXXX   XXXX ,  XXXX  and a move out statement dated  XXXX   XXXX ,  XXXX . An expired lease and a move out statement that I did not sign or agree to the amount owed is not validation of debt. Beginning  XXXX   XXXX  I have been disputing the validity of this account with all  XXXX  major credit bureau s (    XXXX   XXXX   XXXX   XXXX    ).  All  XXXX  credit bureaus responded stating the account is verified. They also failed to provide me with documentation they received to verify the debt.     On  XXXX   XXXX ,  XXXX  I appeared in  XXXX   XXXX   Superior Court and agr eed to the prinicipal judgment amount of {$4500.00} owed to the   XXXX   XXXX    XXXX   XXXX   XXXX . This account has been reporting to all  XXXX  credit bureaus incorrectly since  XXXX   XXXX ,  XXXX . Attached are documents received from  I.Q. Data International , Inc.,  and the Agreed Judgment Summary dated/signed  XXXX   XXXX ,  XXXX  by myself, my attorney, the attorney representing the   XXXX   XXXX    XXXX   XXXX , and the Judge.
This is about the 3rd time I have had to file a complaint against equifax for reading accounts back to my credit report which could not be validated as belonging to me and then they re add the accounts without giving the proper notification. On top of XXXX XXXX not being able to validate a debt they just keep sending an account summary which according to the FCRA does not validate a debt, Equifax refuse to remove it and they keep reading XXXX XXXX Accounts back to my credit report. XXXX XXXX has to accounts one is XXXX   and the other one is {$550.00} they just keep adding these accounts back to my credit report ruining my credit worthiness and not caring just been consistently reckless and their supervisors are rude.
On XX/XX/XXXX, American Express charged me a XXXX annual fee on a credit card. On XX/XX/XXXX, American Express improperly closed the credit card but they have refused to refund my annual fee. They should not be permitted to steal from consumers like they are trying to steal from me.
In XXXX 2016, I mailed a letter to Transunion for both myself and my husband, and I called after believing adequate time had gone for mailing to confirm receipt. Per the representative, they not received the letters and I was provided a fax number. On XXXX XXXX, 2016, I faxed the letters for both myself and my husband in which I got a successful transmission and still as of today, I have not received any results of the dispute nor has he. I contacted Transunion today and spoke with XXXX representatives in XXXX, XXXX a regular representative and the other in the special handlings department who both advised they did n't see anything being received for me. Despite me telling them of the faxed confirmation which is synonymous to sending certified mail, they kept insisting on me giving them the accounts I disputed so they could now put them in dispute. I then asked for a supervisor in the Special Handlings Department in the United States as I was getting nowhere with the ones in XXXX. I spoke with XXXX, Special Handlings Supervisor in U.S. who stated he did n't see letters either. He checked my husband 's file as well as mine. How could they not see a fax? I advised him that according to my Efax service, the transmission was successful, I confirmed the fax number sent to as being their fax, I provided the exact time to him down to the second and he still just asked if I could, get this, fax the letter again to the same fax number to his attention so he could place the items under dispute. I declined as this has already been my 2nd attempt and second method of delivering this same information to them and them not receiving it.
I am currently unemployed because the college where I taught full-time closed it 's doors! Before this time, the Federal Loan servicing company consolidated my loans, rehabilitated my loans, and removed me from the offset list. However, before such time, I paid my student loans back in XXXX ways while I was in default. The first way that I paid back my loans was through an agreement with the XXXX XXXX XXXX who was a vendor/collector for the XXXX. I agreed for them to withdraw {$170.00} per month from my checking account for at least XXXX years. In addition, the offset list was intercepting my tax returns for about XXXX more years and applying those monies towards my defaulted student loan debts. The problem with that reality is the Federal Loan Servicing corporation have not credited my student loan account for what amounts to XXXX of thousands of dollars that I paid. I want for every payment to be credited to my student loan account, and for my payments to be reduced due to my current financial hardship. I need to be able to pay back my loans based upon my current income, as I want to remain in good standing but I also want to be given credit for the monies that I have already paid and what already was applied to my student loans through tax offsets.
This company ( XXXX XXXX XXXX XXXX ) which I hold no contract with nor have received services from, reported a collection account against my SSN with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Transunion will not give me my free annual credit score and report on-line. I stress " ON-LINE ''. Transunion tries to FORCE me to send my personal info via USPS to them. They are trying to force me to pay USPS postage and use my envelope. I will not do this because I do not want my info stolen and used for identity theft. Transunion has boiler plate Form 950 they mail to me via USPS informing me to fill it out and return it ... I say NO, I WANT MY REPORT ON-LINE, not in the USPS! 

I get my free annual report from XXXX & XXXX  on-line in minutes. Transunion is a scammer company. They have me fill out all the info on-line, submit. A pop up replies, " we 're sorry, no information exist about you ''. Yeah right, that 's why XXXX XXXX informed me that Transunion gave me a lower score then XXXX & XXXX, it is XXXX V/S XXXX. Transunion has been playing this game for years with me. It 's time Transunion is forced to follow the law and give me my FREE annual credit report on-line! 

Please, do not just tell Transunion to contact me. All they do is mail me their Form 950 Their game playing must stop! Again, please do not just contact them or I will have to contact the CFPB again and again and again. I will not stop complaining until Transunion gives me my free annual report and score electronically on-line, I will not stop complaining until they do allow me to get it on-line!
Refer to prior complaint number # XXXX against Caine & Weiner for previous history. 

Update and new issue - XXXX XXXX had turned me over to Caine & Weiner on a matter of identity theft and fraud. I filed a complaint on XX/XX/XXXX against Caine & Weiner as it is unlawful to turn a fraudulent matter over to a collection agency and it should have never been turned over to begin with. 

Caine & Weiner responded to the CFPB onXX/XX/XXXX and stated " Closed with explanation - Prior to receipt of this complaint and based upon our conversations with the consumer our office has closed our file as disputed to allow for the consumer and the creditor to resolve the spite amicably. No information has been reported to the credit reporting agencies. The consumer is encouraged to contact our main office at XXXX and ask to speak with a manager if there are any additional questions regarding the account assigned to our office. The consumer is encouraged to contact the creditor directly with any additional questions regarding the status of the creditor 's file. '' I have been in constant communication with XXXX XXXX since, and they said they rectified the issue on their end. 

Today,XX/XX/XXXX, XXXX months later, I receive a letter from Caine & Weiner dated on XX/XX/XXXX that the account was paid in full. 

This is insane. There was no account to begin with! This should never have taken place as XXXX XXXX had no right to turn me over to a collection agency as it was a matter of identity theft and fraud! 

How can an account that was closed as disputed due to fraudulent identity theft be suddenly paid in full? 

I called Caine-Weiner, and they stated that the account showed as " PAID '' and not closed!
I 'm at my wits end with these credit bureaus! I need help from someone before I get my attorney involved! I have accounts that are being reinserted on my file that were deleted previously. Some of them have been deleted and then reinserted and then deleted and then reinserted, etc. Each time they reinsert, I write to get them removed again. i am a victim of identity theft and all of these accounts were on the police report. I am so tired of this. At no time EVER did they notify me of the reinsertions, therefore, they must be removed solely based off of that! You will find the disputed accounts in the attachments.
XXXX XXXX XXXXXXXX ( PRA ) distorted date information. Please see attached for proof of inaccurate Date of First Delinquency. PRA has furnished inaccurately reported date of first delinquency, which is the date on which a consumer first became late in paying back the loan. The date an account first becomes delinquent matters because it determines how long a delinquency can appear on a consumers credit report. Inaccurate reporting of the age of a consumers delinquency can cause it to appear on the consumers credit report longer than is allowed by the FCRA. 
What PRA has been doing is similar to " First Investors '' case, which was fined {$2.00} XXXX for Knowingly Providing Inaccurate Information to Credit Reporting Agencies for Years in 2014. 
As a result, I request CFPB to protect its consumers, take actions against PRA 's unethical and false practice. I also demand PRA to remove those false trade lines from XXXX,  XXXX and XXXX reporting agencies immediately.