WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2018 I disputed an inaccurate account with Experian the account which is XXXX XXXX # XXXX Experian investigated and it came back verified. In XXXX I sent in a certified letter to Experian for a Method OF Verification, this is my right to see and look over and see who verified the account with the credit bureau and the creditor. I have enclosed a copy of the letter that was sent to Experian via mail certified and the mail receipt that they received the letter, The letter dated XX/XX/2018 sent on XX/XX/2018 Experian got the letter on XXXX XXXX,,, i have copies of the delivery receipts On XX/XX/2018 i was notified that Experian completed their investigation with the account XXXX XXXX # XXXX, they failed to send me what I requested, how they investigate it and complete the investigation and failed to send me the Methods of verification that I request, I am a consumer and I have rights to request the method verification.. Experian have violated my rights and need to remove the account from my credit, I am considering filing a small claims for the non-compliance. this is not right, I have sent letters also asking for the original contract and they failed to send the proof that I am entitled to ... delete the account from my file,,, a debt is not valid unless there is an original contract signed by me the consumer and I have rights to see the original signed contract and to see there method of verification, ,if they did a 100 % verification then I should have been allowed to see the names and address and phone number of the people that verified the account with the, Experian violated laws and my rights and refused to send me what I Requested. As a consumer I was exercising my under the FCRA 611 ( a ) ( 7 ) to request a complete description of all METHODS used to investigate my aforementioned dispute. Experian you have willfully violated my rights as a consumer and I am in the process of filing a suit with the court for a small claims for the damages I am entitled to due to EXPERIAN noncompliance or Experian can remove this account from my credit file. Experian had plenty of time to send me their METHOD OF VERFICATION,, EXERIAN FAILED TO DO THAT,, I HAVE ENCLOSED ALL PAPER WORK AND CERTIFIED MAIL RECEIPTS THAT I SENTTHE LETTER TO THIS COMPANY THEY RECEIVED THE LETTER AS YOU CAN SEE THE DELIVERY NOTICE.AND THEY UPDATED THE ACCOUNT BUT STILL FAILED TO SEND ME WHAT I AM ENTITLED TO AS A CONSUMER PER THE FCRA..EXPERIAN REMOVE THIS ACCOUNT PLEASE.
The Credence Resource Management at XXXX XXXX XXXX, XXXX XXXX in XXXX, TX XXXX has been sending me collection notices. This company states that they represent XXXX XXXX XXXX and that I owe {$980.00} toward trip/account number XXXX. I paid this amount in full to XXXX XXXX XXXX by check on XXXX XXXX, 2015. This check cleared my bank on XXXX XXXX, 2015, however, Credence Resource Management has refused to acknowledge this payment with XXXX XXXX XXXX. This collection company was sent XXXX written notices by me. The XXXX written notice was sent by regular mail on XXXX XXXX, 2015 and XXXX notice was sent by certified mail on XXXX XXXX, 2015. XXXX notices informed this company that XXXX XXXX XXXX has been paid and they continue to send me collection notices.
Ive contacted this company as well as XXXX in my recent attempts on XX/XX/2016 NUMEROUS times over the past several months almost a year now to dispute this account. Ive requested for them to send me SIGNATURE verification that I signed for this proclaimed debt on NUMEROUS times only to receive a bill which does NOT prove this to be MY DEBT. This has went WAY past the XXXX days limit to prove or delete and this company has done NEITHER even upon MANY MANY request from me for them to do so.
I received a threatening call from them indicating I owe them money and if I do n't pay they will have me go to jail. I have asked this company for UPSP stamped letter in the mail to support their claim that I owe them money three times. Twice on the phone and once on email yet I have not been able to get any documentation. I have provided them my correct home address. I would like to report wrong unlawful practices of this company and their collection issues.
The reason I am submitting this form is I fell for a scam for modeling. On XXXX I was contacted by a man or woman named XXXX XXXX they claimed they were the XXXX. After we exchanged a few emails, he or she told me they are sending a check from XXXX bank in the amount of XXXX dollars. After the check was received I deposited it and proceeded to follow their instructions which were to send XXXX to XXXX XXXX XXXX and XXXX XXXX XXXX. Today I received a notice in the mail stating that the check has bounced and that my account is frozen.
Hi I am contacting you because I was recently alerted that there were some fraudulent credit inquiries on my credit report that I would like removed at once because they do not belong to me and they are fraudulent and I am a victim of identity theft, Please make experian remove these inquires from my credit report and raise my credit score back to where it should be. XXXX XXXX XXXX and XXXX please remove as these are fraud and do not belong on my credit report.
I have contacted   XXXX   XXXX  , regarding a negative report that they have placed on my credit report with  XXXX ,  XXXX , and  XXXX  credit bureaus. I have asked them to provide me valid proof baring my signature that the account reported was mine. However, they have failed to provide me valid proof baring my signature as required by the FCRA. They also broke the federal law, by not reporting that I was disputing the account that they reported to all  XXXX  credit bureaus as required by the FCRA. My first dispute was on  XXXX / XXXX  /201 7.   XXXX   XXXX   signed for a letter from me on  XXXX / XXXX /2017 that was sent certified/return receipt. Another certified/return receipt letter was sent on  XXXX / XXXX /2017 signed for by   XXXX   XXXX   on  XXXX / XXXX /2017 informing them they had violated federal law per FCRA rule 623 ( a ) ( 3 ). Their willful noncompliance has caused me financial hardship and I am asking for your help in this matter. I have attached all correspondents with   XXXX   XXXX   for your review.
Resurgent ( LVNV ) is contacting my cell phone repeatedly without leaving a message and using different phone numbers to collect a debt. They should not be calling my cell phone to collect a debt. I tried to tell the lady to stop calling me but she disconnected so i was not able to tell her personally but she called on my home phone for this call. I want the calls to stop on my cell phone.
Equifax stored my sensitive information without my permission, then allowed my information, as well as millions of others, to be accessed by individuals who had no reason to have access to said information. This all happened at the end of XXXX, and they did n't notify those impacted for over a month. Then, to check whether I was impacted by the company that gave my information away, they required a sign away of my right to participate in a lawsuit.
2 years ago I went to M & T bank to open a Bank deposit box -- I was told at that time I had to open a checking account to have the box. I disputed it but they insisted- we signed the basic paper work and since I need the box to store valuables belonging to my son while he was in XXXX I agreed. I started to wonder why I was getting charges greater than the cost of the XXXX XXXX XXXX When I accumulated the records I took it to the office and they told me it was a combination of insurance fees and late penalties-even though I paid for the box usually XXXX4 months in advance at the $ XXXX cost. I told them I never buy insurance but they insisted I did- I requested they show me the documents- they said they did n't have them and stalled so I reported it to the state XXXX office- all of a sudden they produced a document that had my initials stating I agreed to the insurance. I did n't but it was XXXX of those just initial here and here and here- and I did n't read the documents so I blamed myself for not being more careful, but I said I should n't have been charge late fees because the took the insurance payment out of my checking account and then my payment was short about XXXX or XXXX dollars causing what I assessed at approx. XXXX {$90.00} over all. I requested a refund and forwarded it to the XXXX 's office -- the bank eventually sent me a letter reiterating the information I already had-and basically said- this was the reply, have a nice day- notify our customer service dept if you have any issues. I replied that the initial complaint was to the customer service dept and that the letter was inadequate because all it did was state I had a box and resolved the insurance issue. However they did n't address the fact that I was lied to about having to have a credit account and that there were any late fees- No fee information was given to this date. I responded to the Banking industry and XXXX office again- but to date nothing and I believe they just logged it away. I am located in XXXX- the bank has its main office in XXXX so XXXX would do nothing- and XXXX just placated me with a 'have a nice day '' letter- Never did they address the failure to inform issue or the fees that I requested to be refunded. So unresolved issues are Denial of failure to disclose- unpublished fees for late payments- what constitutes a late payment and confirmation information of insurance that I had no idea I had, plus the fees that were charged that were never reimbursed
I refinanced my home that I built with XXXX in XX/XX/2004 and they later sold my loan to XXXX being that XXXX was not allowed to practiced mortgages any longer. I paid any attorney in the past the initial fees, but it was too much. They stated that the loan with XXXX was a Predatory Loan and that I should be able to get out of the mortgage free and clear ; but they want money up front, and I could not pay it up front. 
I did get a modification before and I fell behind again because I had to stop working because of health reasons and I was in and out of the hospital. I reapplied for a modification and they are saying I do n't qualify although the income is the same or maybe even more. Now they are saying XXXX XXXX  is foreclosing on my home.
XX/XX/XXXX, Ocwen Loan Servicing sent a notice regarding a settlement that I was eligible to participate in. The claim form was returned before the deadline. I spoke to someone who confirmed that not only was the form received, but they also gave me the amount I 'd be receiving. 
XX/XX/XXXX, I called to check on the settlement payment. I was told that the check had been mailed. It 's now XXXX, a year later, and I still have n't received the check. 
I 've called Ocwen a few times, the last time being XX/XX/XXXX. I keep being told that I 'd have to send a written letter to Ocwen 's research department. 
If a check was mailed in XX/XX/XXXX, why do I need to write a letter to the research department. Either the check was sent or not. This is unacceptable! This mediocre way of doing business is exactly why Ocwen was in violation of so many things and a settlement was reached in the first place. 
This issue has lingered on long enough. As a XXXX-year veteran XXXX, I 'm highly offended that this issue is still continuing and I 'm still getting the run around. Any assistance provided would be greatly appreciated!
I had my report pull a XXXX 2015 and discovered some items that were either not mine own personal debt or unverified information. 
1. XXXX XXXX XXXX XXXX ) I have never lived in Texas nor do I have any such account PLEASE DELETE. 
2XXXX XXXX XXXX XXXX XXXX I have disputed this account it was never verified I HAVE CONTACTED XXXX there is no record of account please Delete. 
3.XXXX XXXX XXXX XXXX ) this account has No record and is unverifiable please delete. 
4XXXX XXXX ( XXXX ) This account does not have Date of last activity listed Inaccurate please delete. 
5. XXXX ( XXXX ) This account never done business with this company please delete no verification. 
6.XXXX ( XXXX ) This account was never verified 7.XXXX ( XXXX ) This account was disputed and never verified pleae delete.
I was co-executor of my father's estate. He owned property mortgaged through XXXX. I am not signed on the mortgage.
XXXX has been harrassing me with phone calls regarding the mortgage which is not delinquent. The home was left to my brother, XXXX.
I learned by reviewing my annual credit reports that this bank ran a credit report on me on XX/XX/2015. without my authorization.
When I returned their call from XXXX, they told me that they could not talk to me about the mortgage. I asked them if that is the case, why do they continue to call me everyday..
I asked the agent "XXXX" (Who gave "XXXX" her customer service ID) why would XXXX run a credit report on me and she said that "they could do that for collection of a debt."
I told her and others repeatedly that I am NOT obligated to them in any way. I have not signed any papers.
She said that XXXX was not going to remove my phone number until they got the information they wanted. I asked what was the information--again, she said that she could not divulge that because they are not authorized to talk to me!  I repeatedly ask them not to call me! This is ludicrous!
It is unlawful to run a credit bureau report without authorization.
The estate number for the XXXX County Probate court for my father,XXXX is XXXX. The property address that PNC has the mortgage is 3585 XXXX Ohio.. 
The mortgage account number is XXXX. XXXX Federal ID number is XXXX.
In early XX/XX/XXXX I was contacted by a XXXX, a car salesmen, he explained he could get me approved for auto loan. I filled out the paperwork when it came to delivery of the vechicle he promised me a XX/XX/XXXX XXXX truck that was not able to run/start. Having felt like he was untrustworthy I declined to do any further business I left his Lot without the car. A month later i get a statement invoice from West lake financial Service. I contacted Westlake Financial directly on a number of occasions via, phone and mail. I have explained that i never finanlized the deal with XXXX I never signed off on any paperwork other than loan application and i never took owership or registered any vechicle from XXXX. Months later I find that the issue had not been resolved and they CHARGE OFF the loan in my name. I have done everything in my power to get this matter resolved. XXXX has done this to multiple people from what I have learned he works out of and for multiple dealerships and is a straight con man Westlake financial Service XXXX XXXX XXXX XXXX XXXX CA XXXX
I paid my XXXX XXXX credit card bill online through XXXX XXXX 's website after XXXX cst on XX/XX/XXXX-17. When I checked my checking account through bank of america the next morning, I showed a transaction processing on XX/XX/XXXX-17 for the payment I made after XXXX. I am not sure why this payment was processed after XXXX on the same business day when I did not pay with a debit card, I paid per my checking account. I have never had a transaction paid through someones website process the same day. This is not possible.
I ask if the person at the front if she could help me with a problem that i was having with the atm machine, and she was very rude, she stated that she could not help me at all, that for me to call the XXXX number on my card
The story starts when I find a house and started an offer. I was already pre-approved for the loan with XXXX and locked in at 4.6 % for a 30 year loan, but wanted a little bit better interest rate. My realtor recommended XXXX XXXX for a speedy close. I contacted XXXX and told him all the details of the loan and house and he convinced me to go through the loan application process and would be able to for sure get me 4.2-4.3 % interest rate without points. Once all my financials were cleared with underwriting about 2 weeks from close he said that the interest rates had gone up and it would be 4.6 % for the loan and that he would check every day until close to try to lock me in at a lower rate. That never happened and about 1 week before close he send over loan documents and they had {$1900.00} in points listed. XXXX send me a screenshot of his computer saying those would be covered through lender credits, which he had gotten approval for that morning. I was told to sign them and he would fix it before close. He didn't, and I had to choose between closing on time or going to another lender and possibly losing the house.
This is a follow up to CFPB Case number : XXXX. I have recently the house in that case at XXXX XXXX XXXX, XXXX, XXXX XXXX. I overpaid the lien holders, XXXX XXXX/SLS, by approximately {$300000.00} and they ignored my written inquiries during the closing process to settle the matter. I only received {$25000.00} at the time of closing and am expected to pay estimated taxes of between {$160000.00} to {$200000.00} to the State of XXXX next year after consulting my accountant. The original loan amount was {$520000.00}, and they walked off with XXXX. I expect to declare chapter XXXX as a result of their usury, predatory lending and blatant fraud. I should have walked away from the property and let it be sold at sheriff sale, then I would not be facing bankruptcy and excessive taxes for monies XXXX and SLS took from me. If it were to be sold at sheriff sale, they would have received less than the $ XXXX, instead, they walked off with, after taxes and insurances, more than $ XXXX of predatory interest and excessive fees.
HelloMy name is XXXX XXXX XXXX complaint is with Equifax Credit continuing wrong information on mywife XXXX XXXX and my own credit report.We have filed bankruptcy XXXX of 2014but reaffirmed our auto loan with XXXX XXXX bank of XXXX, NH and have not missedone payment with them I have put in XXXX disputes with Equifax and have spoke to XXXX XXXX and they have notified Equifax of the correction but have refused to change the status of our credit reportThe other XXXX credit bureaus have made the the correction with our reports but not Equifaxany help with this problem would be appreciatedXXXX XXXX
I previously submitted a complaint for what I thought was a debt that was not mine. A {$720.00} amount showed up on my credit as a collection with the orignal lender listed as XXXX XXXX and the collector listed as XXXX XXXX XXXX XXXX XXXX. I had NO idea what this was. XXXX XXXX XXXX XXXX XXXX responded to my complaint with the documentation showing it was a purchase at XXXX. This cleared everything up for me! YES, I did make a purchase of a {$370.00} tv at XXXX, on what I thought was a take home lay-a-way program which is EXACTLY how it was described to me by the XXXX employee that sold me the tv. The tv was {$370.00}. I was n't going to buy it but the employee suggested their payment plan. He said it was just like lay-a-way, only you got to take the merchandise home, and make payments until it was paid off. The payments were set up for auto pay. That sounded great to me! I gave him the info, signed something on a key pad and left with the tv. The payments started coming out shortly thereafter. Please see attached bank statements showing payments that came out of my account from XXXX through the end of XXXX. The last payment came out on XXXX XXXX. By my calculations, I made {$420.00} in payments automatically. A reasonable person would think that when the payments stopped, the item was paid in full. I WAS NEVER TOLD OTHERWISE. According to the payment agreement that was provided to me by XXXX XXXX XXXX XXXX XXXX ( which I have attached as well XXXX, there should have been XXXX final payment on XXXX XXXX of {$30.00}. I do not see that payment on my bank statement. I do not see an attempt, or an overdraft fee or ANYTHING. So this whole collection is over a remaining balance of {$30.00}?!!! Are you kidding me?!! PLEASE, I need this looked into. There is no way this can possibly be legal or ok. I was NEVER given a copy of the agreement or any paperwork at all, other than a receipt. My phone number has been the same for 10 years. I did move a mile away but my mail was forwarded. I never received ONE phone call. I never received one thing in the mail telling me I still owed money!! I do not pay things late, I have good credit. I would have never let something so small just go delinquent. I was never given the opportunity to make it right. A full YEAR after I thought this was paid in full, I get hit with a collection!! This is WRONG. It is deceptive. And I fully intend to take it as far as needed to make it right.
I purchased a bed and financed it for no interest with equal monthly payments through synchrony bank. I have been faithfully making my payments each month for about a year and a half. Last month I rcvd a bill that stated that I did not make my XXXX payment. I thought I had made it but did not give it much thought as I had a death in the family and a lot going on. I made an extra payment in XXXX to make it up. Then last night XXXX/XXXX/15 I rcvd a call from synchrony bank stating my account was past due. So I kept them on the phone and logged into my bill pay account. While going over the payment dates with the clerk I saw I did make my XXXX payment on XXXX XXXX. She stated that since I made the payment before my statement generated they applied it to the balance and stated I had a late payment and charged me a late fee. Not sure how, but I ended up having XXXX in late fees added to the account. Well after several phone calls from out of the country they refused to fix anything they just wanted their XXXX, likely to hit their " goal ''. I called this morning and spoke to a customer service rep in the XXXX. He did fix the issue and removed the late fees. However, he did tell me that this happens to a lot of people. I felt like this was a fraudulent way to try to make money off of my account as it is a no interest account. If I had not noticed or rcvd the phone call I may have paid it even though my payments were never late!
When clicking on the Loan Cost and Terms, link over the course of a week keep getting a " We apologize for the inconvenience but we have encountered a system error. '' When Requested a quote was not given the information requested
On XXXX XXXX, 2017, {$330.00} was pending to be withdrawn from my checking account by Moneygram. When I called Moneygram, they said there was nothing they can do then hung up on me. I called my bank and they stopped the payment. Now Moneygram sent it to collection. How is this legal? I never sent that money. 
I assume someone hacked there system and they want me to pay for it.
The mortgage payment increased and I could not afford the new payment so I fell behind. 
Then when I tried to workout a new payment the mortgage was sold and I worked with several different companies starting with XXXX XXXX and then XXXX XXXX and SPS. I sent every paper that they requested but they never followed thru with a new mortgage