WillisBack/dataset-financial-user-claim huggingface dataset:
The name of the collection company is Hunter Warfield , Inc . They are extremely unprofessional when I've spoken to them over the phone and when I wrote to them directly, I never got responses to my letters. I have attached copies to this complaint of the letters I sent them and also a copy of the account as it was on XXXX ( it was on all 3, but I am just providing a copy of XXXX simply as proof of what was reported and the dates ). They just stuck this debt on my credit reports and refused to investigate. I never even heard of them until they started calling profusely in XX/XX/XXXX. I began disputing in XX/XX/XXXX the unverified, invalidated debt of original amount {$5600.00} and balance of {$6000.00}. While I sent them debt validation letters directly, I also disputed this debt via the 3 major credit bureaus. What Hunter Warfield did was deleted the account and bolted or simply stopped reporting and never said a word ; in other words, they refused to respond, they stopped reporting the account, and to this day ( late XX/XX/XXXX ) I have not heard one word from them. I can only assume that the account was deleted or that they're simply not reporting ; which, I do not know because they refused to say anything. The credit reporting agencies never reported the account as deleted. Therefore, it is very possible that this unverified, invalidated debt could be placed right back on my reports because of this -- and I believe that it is their underhanded, sneaky way of being able to do so! I am outraged that a company could get away with doing such a thing. They did not do their due diligence, the credit bureaus did not do their due diligence either, and I was not given due process as they violated the FCRA and FDCPA.
I had Citi Student loans. Some where transferred to XXXX  ( $ XXXX ) some transfered to XXXX XXXX ( nka XXXX ) ( $  XXXX ) and Citi continued to service some, then it was transferred to XXXX and the Citibank payment website closed down and directed all visits to XXXX. I continue to pay all those servicers and I am current on all of them. I noticed a Citibank student loan on my credit report ( about $ 27k ), I called Citibank about it, and then said XXXX will service it, that they no longer service loans. I continued to pay my XXXX payments as directed on time. I called XXXX   they said they have all my loans from city ( which was about 7k ) I figured it was rolled up in my XXXX or XXXX. As there was no other servicer for me to inquire about. I recently checked my credit and its still showing up now delinquent and sent to collection. XXXX, XXXX, and XXXX know nothing about it and Citi doesnt service loans. How can I pay a loan with no servicer? Im confused, and dont know what to do now.
I 've submitted multiple request to have a child support account updated ; it appears on my reporting twice. I 've called my state agency and they said Equifax has to fix it and they are known to do this in the  State  of Oregon. Please help me ; it shows up as  XXXX  negative accounts ; impacting my credit score significantly.
I ordered shades from   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   , CA. I provide d my  Chase  credit card info for half payment. The shades do not fit as promised and are defective. Without authorization   XXXX   XXXX   XXXX   made a second charge for the balance on the contract despite the defective products and installation. Thus, I disputed both the initial  Chase credit card charge ( as defective ) and the second Chase credit card charge ( as unauthorized ). Despite numerous calls and  emails with Ho use of   Blinds, the matter is still not resolved. Despite my secure emails and calls to Chase, Chase " rebilled '' the  second charge because " it was  not a duplicate '' ( a mischar acterization of the dispu te ). Chase makes it e xceedingly difficult to dispute unauthorized charges and to dispute defective product/services. Please help. Thank you.
I am trying to short sell my home, my servicer is Select Portfolio Services ( SPS ) the servicer sent an FHA appraiser to my home and the result was the retail value of my home is {$150000.00} I have a contract for sale for {$150000.00}, that 's {$5000.00} more then the retail value of my home, In short selling my home i was hoping to receive the {$1000000.00} relocation money to move. however the servicer told my Realtor that I would get any relocation money because i have Mortgage Insurance on the loan. They denied the short sale and gave no reason they just stated " that this option is not available at this time ''
Like so many consumers throughout the USA, I am enslaved by the Credit Reporting Agencies Their intent is to keep consumers credit scores as low as possible and making it difficult to remove any negative items from their personal credit reports.

Experian is the number one choice of most Credit Card Companies and the number one violator of consumer rights under the FCRA. I like millions of others have worked for months and years of time and spent thousands of dollars to correct our credit reports. It would take pages and pages to document dates and actions.

I had finally got all of the incorrect information from my reports incurred by Identity Theft when I was hit by a rash of hard inquiries on primarily my Experian Credit Report. I had a 7 year Fraud Alert on my Experian report effective XX/XX/XXXX. Despite this 7 year Fraud Alert, Experian continued to allow hard inquiries.

I contacted Experian and spoke with a call center in XXXX XXXX  and a portion of the hard inquiries were removed. There remains some hard inquiries that is hurting and denying me credit opportunities.

The Hard Inquiries that Experian has not removed after disputes by phone are as follows : 1 ) XXXX Inquiry Date : XX/XX/XXXX ( Bank Credit Cards ).

2 ) XXXX. Inquiry Date : XX/XX/XXXX ( Bank Credit Cards ) 3 ) XXXX XXXX XXXX. Inquiry Date : XX/XX/XXXX ( Bank Credit Cards ) If have not signed a credit application requesting credit from these companies and Experian violated the terms of my Fraud Alert.

Unless Experian has a signed and dated Credit Application they must be removed. XXXX XXXX XX/XX/XXXX
I am XXXX military. I 've had a mortgage loan with PHH since XX/XX/XXXX. I 've never missed a payment until last year. In XXXX of last year I found out my husband was XXXX from the military and I would be the only XXXX with a job and we have XXXX kids. I contacted PHH ( XXXX XXXX ) in XX/XX/XXXX to request aid with my load. She had me fill out some forms and submit tax returns, pay and bank statements. Since then we have gone back and forth. She continues to ask me for the same forms and documents I 've already submitted multiple times. She will tell me that 's all she needs and my case will be submitted but a month later she sends me an email asking if I still want to do a deed in Lieu request and again asks me for the same forms again. This has been happening for almost a year. My husband got out in XXXX of last year and I started missing my mortgage payments. My credit is ruined and my deed in lieu of still has n't been submitted. I 've contacted her supervisor ( XXXX XXXX ) and she had XXXX XXXX contact me again ( a month after I contacted her ) asking for the same things I 've sent at least XXXX times. I 'm stuck and do n't know what I can do. No one can be this incompetent of they must be playing with me so they do n't have to help.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I have unknown or fraudulent addresses, appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX, XXXX , PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX ,XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. This 2nd tempt to remove the items and requesting a freeze.
NCC Business Services ( Account number : XXXX ) failed to verify that debt was valid based on statute of limitations. Date of first delinquency dates back to XX/XX/XXXX. Account was re-aged to XX/XX/XXXX without any notification after debt was sold off. Statute of limitations for collection in the State of New York is 6 years from the date of first delinquency. Sent debt validation letter to company on XX/XX/XXXX via registered mail. Company responded with documentation of 1-year lease dated XX/XX/XXXX and set to expire XX/XX/XXXX. Company also responded with invoice noting charges with no invoice number or date. Company refuses to remove item from credit report and cease collection efforts.
I have made complaint to this organization in the past regarding Bayview Loan Servicing ( hereafter BLS ), and I am not sure if you do anything, read the responses submitted, or have any useful purpose to the consumer, however I made this complaint under XXXX, and want that complaint to be the input for this one coupled with the attached documents. 
BLS via its law firm replied to my last disputes by providing a factually untrue statement with the hope of hiding behind what it stated was the fact that it was in current litigation between the parties, and the issue in my complaint were addressed therein. 
First that is patently false that the parties are in litigation. The case was dismissed on XXXX-18. ( see attachment ) as the case was not ripe for adjudicating. 
Second the issues broached in XXXX dealt with issues of post XXXX-18 and issues that are still occurring with no response even though I have reached out to BLS. 
I have paid off one of my loans XXXX as of XX/XX/2018, and my other loan XXXX will be paid off in either XXXX or XXXX of 2018. BLS is refusing to give me my loan documents and extinguish any UCC 's against my apartment ( XXXX  ) even though it is paid off. They have placed legal fees and escrows illegally on my accounts ( XXXX & XXXX ), and have refused to send me invoices for either of the loans ( which I believe they illegally have been holding ) since XXXX of this year. 
I demand that CFPB require that they put forth a real answer and not the non-sense they have been sending without ever dealing with the issue. 
They are not sending me any correspondence or invoice ( s ) and refusing to communicate in any fashion.
On Friday, XX/XX/XXXX, an online payment was made from my Wells Fargo checking account to a Wells Fargo credit card. Instead of making the minimum payment as intended, the full credit card balance was paid. This error was noticed within minutes, as my checking account was almost totally depleted. We called Wells Fargo immediately, and were told no action could be taken until the payment posted to the credit card account on Monday, XX/XX/XXXX. WF said a representative would call us on Monday to confirm a payment reversal. I received no such call. I called WF on Monday, XX/XX/XXXX and explained the situation. We were informed that the error would be corrected in one business day, and that the cash would be back in my checking account on Tuesday, XX/XX/XXXX. This did not occur. On Wednesday, XX/XX/XXXX I spoke to at least four WF representatives, including XXXX XXXX, XXXX XXXX ( who hung up on me after transferring my call at XXXX XXXX ET on XX/XX/18 ), and XXXX XXXX ( Case Analyst Manager in the Executive Office in XXXX, AZ ). All informed me that my case could be " escalated '' and " investigated, '' but none could explain where my money is or when I could expect it back in my checking account. I repeatedly explained the dire financial circumstances lack of access to these funds ( approx {$2700.00} ) was creating for my family, and yet no one could explain where the money was or place the funds back in my account. I was repeatedly told that the representatives, " understood my frustration, '' and that the " one business day was correct, '' with no acknowledgement of their error or the bind in which I have been placed due to the lack of appearance of funds in my account. I was told by XXXX XXXX that WF " corrects errors '' and as a policy does not compensate customers for errors made by the company. XXXX XXXX 's supervisor is XXXX XXXX, who is a Case Manager II in XXXX, AZ, but I was told she does not accept phone calls from customers.
After my mortgage was sold to Nationstar, I have had nothing but trouble dealing with them. Payments are sent automatically from my bank every two weeks which exceed the minimum due. Nationstar is not applying the payments to my account and is now charging late fees despite having received full payments. 

Nationstar responded to a previous complaint through this department, admitting they are receiving regular, timely payments. Nationstar refuses to comply with the law concerning changing the repayment terms when they purchased my account. 

On top of this, Nationstar calls my cell phone with a robodialer multiple times per day. They have previously settled a class action lawsuit over this practice, but continue it with new customers.
On or about XXXX, Bank of America fraudulently induced me to open a XXXX account without disclosing that if the account dropped below {$300.00}, a {$5.00} fee would be incurred. I only signed documents and received disclosure forms for opening a checking account. When I confronted the branch about the fee and asked for proof that I was provided knowledge of and consented to the {$5.00} fee, I was shown a document that contained a fraudulent signature. I believe in an effort to convince me to open a XXXX account, BOA intentionally concealed information concerning the fee and falsified documents. Please provide to CFPB the signed documents associated with the opening of my savings and checking account.
On Saturday XX/XX/XXXX I was in contact with a seller ( XXXX XXXX XXXX XXXX XXXX ) on XXXX. He was selling a transmission for a car. I tried several different way to pay for this item. XXXX was not working at the time and the seller suggested using XXXX stating that it was free and safe.I found that this app was a feature that appeared to be backed by my bank. All I had to do was log into my Wells Fargo App and click on a button that said send money with XXXX. I used this feature within my Wells Fargo app to send him a deposit of XXXX. Once he received that I sent him the remaining XXXX on the same day. This larger amount did not actually go through until XX/XX/XXXX according to the XXXX Activity Log. The seller was very active with talking to me and confirming my information and promising shipment as soon as the money was received. I have not heard from the seller since that day. I filed a claim with XXXX and they responded that they would not step in until XX/XX/XXXX. At that time they informed me that since I did not use XXXX they would not assist me. I requested that this seller be block and complaint be filed. I then called my bank Wells Fargo who told me that " I knowingly sent the money and they would not assist me either ''. I tried reaching out to them again since there has to be a way for them to do a take-back or a reversal of the money. They said there is nothing they can do even if I misspelled the email address that I was sending it to they would not be able to stop it. I did reply to a video that Wells Fargo posted about XXXX and how easy it was to use. This got someone from their social media account to reach out to me who did not assist me either. He just kept saying that it says in really fine print about liability and limitations. I am currently out XXXX I have all the emails back and forth with this seller and the confirmations from XXXX of the transfers. Neither XXXX or Wells Fargo will assist me.
I got a loan with them initially the pay off amount was  XXXX  they would not let me view the truth in lending or loans and started debiting my bank account every  2  weeks  XXXX  I looked on the website and they have made a repayment plan for  1 whole year every 2 w eeks for  XXXX  I would have never signed anything had I known they would charge this much.
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please
XXXX I voluntarily returned a XXXX Truck to the Dealership asI could not afford the {$830.00} payments. A third party collector tookthat case to court, without even properly serve me. I have been paying on this debt XXXX. Never missed a payment. I have been asking them to send me a statement as to how they are applying the funds every month. I am aware there is an annual fee of 10 % that they charge. So far I paid over and beyond the amount due. They are refusing to provide me any kind of statements as to how they applied those monthly funds all these years. As far as I am concerned, I either already paid this debt or close to it. But I need to have a schedule of payments and when would my last payment be. 
Please let me know what steps I should take. Thank you.
Transunion has ignored my request to provide me with the documents that their company has on file that was used to validate and verify the accuracy of the payment history on the accounts that I disputed. Since this has been in dispute since XXXX, well past the 30 days permitted and they can not verify the accuracy of their reporting they are required to " ... promptly delete all information which can not be verified '' per FCRA Section 611 ( XXXX ) ( A ). Please resolve this matter immediately. Thanks in advance.
I have contacted and sent Fraud Affidavits to Nationwide Southeast. Also, I have disputed this account with XXXX and XXXX who stated that Nationwide Southeast verified that this account belong to me. I find that hard to believe since I was never able to get a response back from Nationwide Southeast. So, I really need your assistance in getting this matter resolved. I am tired of going back and forth without getting in results.
I received a promotion from USAA to lower my interest rate for a period of time for all balance transfers. According to my XXXX statement, I had a credit line of {$15000.00} with  {$8200.00} available. In conjunction with another credit card with low interest, I decided to transfer the entire balance of one of my loan to my credit cards. In order to do this, I had to use convinence checks. While I had checks for the other account ( also with USAA ), I did n't with the account in question. So I order them and when I received them, sent a check for {$6400.00} to XXXX XXXX XXXX mid XXXX. The XXXX XXXX started to process the check onXX/XX/XXXX. OnXX/XX/XXXX I received a statement showing a reduce credit line. USAA refused to honor the check that was written that was being processed via the bank clearing house. I called USAA on the XXXX about this since it had an adverse affect and I had not received prior notice. I later received a letter ( dated XX/XX/XXXX) from USAA indicating the credit limit change. I believe that USAA in this case is not acting in a honorable fashion since the check was written and was being process before the change and show have been honored. I would not been upset if the change had occurred beforehand. Refusing to honor this check will cause me financial harm due to the higher interest rate I now have to paid on the remaining balance. I am addressing the problem with my credit score via an open complaint previously filed ( XXXX ) that is awaiting resolution. <P/>I am disappointed because USAA normally does an excellent job in the many services they provides to me and others in my family. It about fairness and timing and continuing your high standard across the board.
On  XXXX   XXXX  I was online checking my account, when I noticed a check made out to cash for {$460.00}. it posted on the  XXXX  of  XXXX   2017 . I did not write that check! Frantically I called the number on the back of my atm card and spoke to someone telling her this was fraud! Then she transfers me to the fraud department. And the lady asks me was it a while ago since they took your checks? I said I did n't even notice they were gone, why I asked because the date on the first check was  XXXX / XXXX / 17  it 's fraud get it they made up the date! Still more explaining and then at the end of out conversation she informs me that I 'll have to go into my branch that they could n't help me! Well I work full time, when was I going to get in there? The lady I spoke with did n't even flag my account! Reporting fraud! Cause on  XXXX   XXXX  2017  another check still made out to cash this time for {$600.00}. posts to my account! I am mortified and as soon as I saw that I flew to my local branch. This time I spoke to  XXXX , there on loan for the day replacing the branch manager. I told him my story he then got the fraud department on the phone long story shortened he tells me that the {$600.00}. that cleared mind you with not enough funds to cover that check on the  XXXX  the same day I was in there, asking  HOW? d oes this happen to me twice? I called the bank on the  XXXX  and explained that I did not write that check, fraud has been committed on me????? I received  XXXX  bills from my bank stating that I owed them the overdraft fees on the $  XXXX  and  then we closed the account but they saw there way clear to accep-t my paycheck on direct deposit so they could get their fees, leaving me with no money.  XXXX  swore that on the new account I just opened that {$600.00}. I should see reversed and back to my account ... It is now  XXXX   XXXX  and n ot one re d cent have I seen! When I left the bank that  day I w ent straight over to  XXXX  Police department and filled out a complaint, which I took directly back to the bank and gave  XXXX  the case # that the police had given me, he said good the fraud department will get right on it ... ... Nope! So I go back in to my branch and spoke with  XXXX   XXXX  the branch manger, explained things to him and he makes a few phone calls to find out why there was still {$78.00}. in the closed account? Turns out that was what was left of my paycheck after all was said and done. That is just some scandelous banking if you ask me. I ask Him if checks had been ordered on the new account he told me I woul d Proboblay see them this Monday.Nope again! And we all know how direct deposit works right, my company needs a check! So I do n't know who will need my paycheck worse than me on Friday, but still no . Please hel p me if this ai n't the run around then I do n't know what is! By the way  XXXX  said your gon na  see a charge for the checks on your statement Call me when you do and I 'll take that off. That is nice HUH?
PayPal charged me late fees for missing a payment on their own card/Pay Later Plan. I never signed up for any PayPal plan/card and when I told the service representative, she said she could n't do anything about the late fees. All my life I pay my credit card balances in full at the end of the month. The cards are attached to my checking account and are paid in full automatically, leaving no balance. PayPay enrolled me in their Pay Later plan without my knowledge and then charged me when I did n't make a payment. I am very upset and this illegal behavior by PayPal should be put to a stop. 
I hope you can do something about this and get the " late payment fee '' returned to me. 
Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, CA XXXX : ( XXXX ) XXXX : XXXXXXXXXXXX