WillisBack/dataset-financial-user-claim huggingface dataset:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Dear Sir or Madam : Re :  XXXX Confirmation # XXXX I have approached XXXX XXXX XXXX XXXX multiple times to correct the fraudulently occurred reporting by XXXX XXXX . XXXX is refusing to remove the delinquent data from my Credit File. Credit Report reflects serious delinquency, and hence, my credit rating is severely damaged, causing difficulty to get refinance done at eligible terms. 

Similar approach is done to XXXX XXXX, who already removed the said item from my credit file with them and provided a confirmation to that effect. 

Therefore, I request your intervention to rectify the situation at your earliest convenience. 

Thank you Yours sincerely XXXX
My monthly payment is {$800.00}. I made my payments faithfully and when due. I made my payment, in full, XX/XX/XXXX. I received an email XX/XX/XXXX stating that my account is past due. I logged on to Navients because I thought it was a mistake, only to find that it stated I have a past due amount of {$230.00}. I called and they stated that it was accurate and keep sending me to multiple people, only for them to tell me the same thing. They then offer me an opportunity for forbearance, which I did not want. I have documentation that I exported from their website and from my bank account that shows the payment was made on time. Please help.
hello my name is XXXX XXXX and I am having an issues about some of the collection filed on my credit report.
This company called my employer to a contact # that is not mine directly. Left a voice mail message with an unknown party in an executive office " Investor relations '' stating on the voice mail that this is regarding collection of a charged off loan lone of credit even checking account balances. This VM was forwarded to me " transcribed '' from this executive officer of our company. Humiliating, and I do not even know what this debt is regarding. But they disclosed collection information on the VM they left, and it was NOT my direct voice mail box.
My hospital bill was sent to a law firm for collection. My husband is on XXXX XXXX and they served us both. I called and complained and they just took his name off of the lawsuit. I had to make arrangements in or order to not be garnished. I was steadily making payments until one of my payments got lost in the mail. The company has no electronic options or automatic withdrawal options. Everything has be sent or walked into the office. One day I received spam mail from a lawyers firm that wanted to represent me. I had no idea why so I searched my local case net for my name. This law firm has sent my employer garnishment documents. I had no idea that I was behind any payments. I called the office and they instructed me to find legal counsel. I then emailed them for all the payments I have made. I offered to pay the missing payment the same day. I didn't know the payment didn't make it because it was already deducted from my account being a cashier 's check. The law firm told me the garnishment will go through unless I pay the full balance. I never received any notification that I was behind. They said they did not have to notify me because I defaulted on the arrangement. I didn't know I defaulted but now my employer is being effected as well as my credit.
PNC Bank checking overdraft account. A problem arose in XXXX when XXXX XXXX continued to draft a monthly payment from my checking after I had cancelled service with them and temporarily stopped using this checking account at PNC while out of the country. When I returned I discovered the error, XXXX reimbursed me, and I asked PNC to waive the overdraft charges. They refused. Within three months they closed the account and charged off the balance. In XXXX I contacted PNC and asked if I could pay the balance, in exchange for their cooperation with my credit reporting, and they agreed to report the status as " paid in full '' if I paid them {$1000.00}. I paid them that amount on XXXX XXXX, XXXX. They continue to this day to report the status as " Collection/Charge Off ''. I continued after my payment to call them and correspond with them to ask them to comply with what they had agreed to do. In the course of that communication, I discovered that the actual amount they " charged off '' was {$410.00}, which would be the amount they reported as a loss ( charge off ) for their taxes. This is listed on my account, in their computers, and I was given this amount over the phone by two PNC employees. This would be due to the fact that they sold the debt to numerous collection agencies, which would be income. When I began discussions to pay the " charge off '' amount, PNC repeatedly told me the amount was {$1000.00}. I had received offers from several of the collection agencies to settle the debt in amounts in the $ XXXX {$500.00} range. I did not trust that offer, and so I contacted PNC directly. For XXXX, PNC will be reporting my {$1000.00} payment as income. When the {$660.00} in income from the sales to collectors is added in, PNC has made a handsome profit on this account. The current status of the account is " Paid in Full '' - but PNC refuses to report this status, as they agreed to do, and they have dealt in bad faith with this account from the beginning when they refused to waive the overdraft charges, they lied to me point blank when they told me that they would report the account as " paid in full '', they lied to me repeatedly about what the " charge off '' amount was, and they continue to operate in a vindictive bad faith manner, with the groundless claim that they are " obligated '' to continue to report the account as " collections / charge off '' I demand that PNC report the status of this account as " paid in full '' - as that is the current status, and it is what they agreed to do before I made full payment. 
An interesting final note, when I asked for paid in full reporting status " if '' I paid in full, I asked for their agreement in writing. They refused. They said 'trust us '' - It is illegal to lie to customers in a collection process
There is a Hard inquiry on Equifax from a company called XXXX. Have not applied for any type of credit for over a year and a half. Did not authorize nor consent to said inquiries of any type. Equifax does not even have correct data of my credit history! 
Have tried to contact them with zero return emails or phone calls. 
Equifax is a joke for a credit reporting agency and should be put out of Business.

Tired of the misreporting and lack of caring by said agency!

Reporting loans never had, balances never owed. 
Tell XXXX they have to stop random inquiries to this consumer before I go postal on them! 
XXXX has no right to my reports without consent and will be sued for harming and continuing to harm my credit with XXXX inquiries! No I am not Politically Correct. Plus want to no why these agencies have access to my Social Security Number in the First Place as SSN 's are not to be used for Identification except for the Federal Government?
Regarding Pinnacle collection services. They state that I owe  XXXX  {$40.00} fr om 2013. I  have never had an account with  XXXX . The amount is petty. I have more than enough money to pay the {$40.00} but why would I pay someo ne one cent  of my money if I do n't owe it?     What are the details of the alleged debt? Cell phone? Home phone? If so, why such a small dollar amount???? Does  XXXX  have any other records showing a history of payments or me doing business with them? I do n't think so because I have never had this account in question.     It 's not fair that they can add this to my credit file without substantiating the account.     Please look into this.
I called XXXX and spoke to Ms. XXXX from Harris & Harris on XX/XX/XXXX. I told her I could not receive personal calls at my job. She insured me she would take my work number off of the list of numbers to contact and add my cell phone number instead. Today, XX/XX/XXXX, I received another call from the same company. They left the number XXXX for me to call back.
In 2016 I paid income tax on XXXX discharged debt evidenced by a XXXX cancellation of debt ; however Fay servicing, a third party, continues to list it as an interest deferred principal I want this corrected
As a member of Amazon Prime I applied to a store card due to the perks provided. I was approved and account opened. The creditor Synchrony Bank involuntarily enrolled me in paperless statements. I was not aware of this enrollment and thus did not receive a paper statement to make a payment. I found out about the issue when my transactions were being declined and I contacted Synchrony Bank to understand why. I was informed my account was past due. I informed them I never received a statement to submit payment. I was informed I was enrolled in paperless statements which is why I was n't receiving a statement. Once that information was provided, I switched back to paper statements and made the necessary payments to bring my account to current. I later found Synchrony Bank provided negative information to the credit bureaus for late payments/delinquency. I had asked that be corrected since it 's their fault payment was n't make due to involuntarily enrolling me in paperless statements. As of today, those negative marks are still on my credit bureau reports ... ..I want them removed. Synchrony Bank should not be able to just enroll people in paperless statements. None of my accounts are paperless as I do not manage my accounts in that fashion. I use paper statements ... .thus the reason account was n't paid as required during initial months after opening. Once the issue was identified, the account was immediately brought current.
Company Names : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX = {$1400.00} XXXX and XXXX XXXX XXXX XXXX # XXXX # XXXX = {$440.00} XXXX, XXXX. ACT # XXXX # XXXX = {$1200.00} Product : Credit reporting, Credit repair services or other personal consumer reports. 

To Whom it may concern, I am reaching out to you about my personal credit that is being held and decreasing because of these credit reporting agencies submitting false and inaccurate information. My biggest problem/complaint is that they are reporting and submitting information does not match on any of my credit reports between multiple credit bureaus. For example XXXX under one and the other XXXX and XXXX as well as inaccurate information like one says opened and the other closed for the same Account Number for the same credit reporting agency, most all of the reports do not match like one says ( Date XX/XX/XXXX & XX/XX/XXXX ) under the same account, the condition reported does not match either and are completely different under the same account. XXXX XXXX is named on my credit report with Original Creditor named as XXXX XXXX XXXX XXXX XXXX and in the other XXXX says XXXX BANK XXXX. All the Dates do not match and conditions do not match either for the same account. As for XXXX on my credit report it states for the Creditor Name : XXXX it does not specify who? What and Why? This is using misdated and misleading information against my name and personal credit report. I have been back and forth this past few years and now I am XXXX after having lost my left XXXX I am now a XXXX XXXX and trying to improve my life style. After and long road of recovery and still a long road ahead of myself I am asking help to have these removed so I can take control of my life and improve it. The Deeper Issue is that this still remains after several attempts and contacting the collector for antiquate proof or debt with my authorization or proof of it being me and/or exact dates of said amount owed. I get back letters with barely any information or no response at all. I strongly believe that this is holding false information against my name or even most terrifying that maybe they have the wrong person and taking advantage of my hardship. As a proper resolution I am asking that these be removed right away. I am begging and working my hardest on my own to adjust what I can in life and create a new beginning for myself being XXXX and my pets. I feel that most of these companies have completely submitted and created false and misleading information against my name and I am now just realizing how wrong and incorrect it is.This is  my last attempt to have this removed promptly from all credit bureaues and removed completely against my name. Also I will be submitting letter to Consumer Financial Protection Bureau ( CFPB ) for submitting false and inaccurate information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX
I had went to court back in XXXX of XX/XX/XXXX for falsely alleged damages owed on an apartment I had rented for around 6 years and the case was dismissed.I am now getting threatened with garnishment papers for a debt that isn't owed on a case that was dismissed almost 7 years ago. This is going against the court of law and a order brought by a judge.
I was contacted by XXXX XXXX XXXX VA from a collectiont through a collection agency. They had my first name mispelled and an address I didnt know. I filed a police report with my local police and gave the police number to XXXX XXXX. I explained I have never lived in XXXX and have lived in XXXX the past three years and XXXX for the prior 6 years. XXXX XXXX wanted my tax returns for the past 6 years and on the advise from my local police I refused. I asked XXXX XXXX for any evidence other than my social security number on this account that this account was mine for example past payments, copy of drivers licence ect., but the firm refused. The collection agency is calling me weekly to insist I pay the balance that isnt mine.
I had been working with XXXX XXXX, a representative for US Bank in assuming a mortgage shared by myself and my ex-husband. On XX/XX/XXXX, my ex-husband advised me that someone from US Bank shared my income information with him. Per my request XXXX explored the situation further and advised me that it was my ex-husband who shared that information with the bank. To my knowledge it is not possible that he could have obtained the information. I believe this was a breach on the part of US Bank. I received no response when I asked XXXX to look into the matter further.
I am truly in need of your help. XXXX XXXX XXXX is reporting on my credit report and I do not believe this is correct information. I have disputed this with the bureaus and requested information directly from the company. The bureau has done nothing except indicate they validated the debt and XXXX XXXX has not responded to my request for additional information. There was no break down of fees received no payment history nothing. I don't understand why no one is giving me requested information.
Portfolio keeps contacting for a debt that is more than 7 years old. They are a third party collection agency and call me at my job. 
I want all calls to cease and desist both to my work and home.
I SEND A LETTER OUT XXXX TO AD ASTRA RECOVERY SERVICE AND THEY DID NOT RESPOND TO IT
I fell on hard times about a year ago and landed back on my feet and I was able to make my monthly payments on my mortgage with US bank up until XXXX of 2014. I ended up having to apply for financial assistance. My mortgage supervisor lead me to believe I was doing the right thing and at that time I had the money to pay the backwards amount but she instated on going a different route so I decided to fill out all the paper work and submit it a few months later I had heard nothing back form them so I decided to email my supervisor and ask her if I can make payments so I do n't fall so far behind she told me no that the process is in under writing right now and there would be no reason to make a payment due to being accepted for financial help so two more months go by and I get a letter stating I was not accepted for help and I have fourteen days to appeal so the next XXXX days I called my supervisor XXXX a day and left voicemails tell her voice mail box was full I never heard back from her for a full month and in the mean time getting another month behind on my payments. when I asked her about all this she denied it but I have it all in writing through emails so she has yet to contact me back on my options then another month and payment behind goes by and I get a letter in the mail stating I am due for foreclosure which I was doing everything in my power to stay out of that is was my supervisor who was not contacting me not keeping me informed and not doing her job yes I fell behind and that 's my fault but now I am nine months behind due to her not helping me and leading me in the wrong direction I had the money to pay what I was behind at month XXXX and not being nine months behind and no help my home will be foreclosed on unless they take back fees due to her emails and telling me not to make a payment. if you feel I have a case please call me and I will forward the emails to you of her stating not to make a payment.. I will forward emails so you can read every one of them they sent me
In regard to my AT & T Universal XXXX Card, I have been denied " calling benefits '' as of XXXX XXXX, 2015. After contacting the company by letter ( regular mail ), by phone conversation, and by XXXX e-mails ( via the company 's secure message service ), I was finally informed in response to the last e-mail that my " calling benefits '' had been discontinued. At XXXX, I took this to mean that the entire " calling benefits '' program had been discontinued. But, apparently that is not the case. A XXXX/XXXX/2015 visit to their website, under " your card 's key features '', show 2 items : 1. Citi Easy Deals ( points ) and 2. " extend the conversation with your calling benefits. Enjoy up to XXXX free phone minutes and XXXX Directory Assistance inquiries- free each month* ''. The * references fine print. So, I 'm thinking my particular calling benefits have been discontinued for some reason buried in the fine print or this is a case of false advertising. Not being an expert in either fine print or false advertising, I need a clear explanation of what is going on.
Had a title loan with Wilshire/WestLake financial paid down the intereste over 5 years. We were told we could now pay down only the principle 19 %, instead of the 98 % prior. 

After we made one payment in XX/XX/2016, on the principle, they wou not answer their phones and months later said they did not make that deal with us and said we had a ballon payment of {$1900.00} or they would repossess the car.. They did repossess the car, and we had to rent one throughout XX/XX/2016 Costing us over {$1000.00}. The car is still in reposession and has not been sold.
We opened up a claim against our mortgage company, Bayview Loan Servicing , LLC in XX/XX/2018. When our PMI was finally canceled, our loan-to-value ratio was at 67 %. We requested a refund from the time that our PMI should have been canceled, 78 %. We did receive a refund at the 75 % point. We were told that in NYS, automatic termination takes place at 75 %. We inquired and were told it is because we live in NY. However, after further research, their own paperwork, and the NYS website, it says that when Federal and State law come in conflict, that the clause more favorable to the homeowner would apply. Federal law states that PMI will be terminated at 78 %.
I recently requested a investigation on XX/XX/XXXX and Lexis Nexis received on XX/XX/XXXX via certified mail.I am filing this complaint because LexisNexis has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. I have been requesting verification of the following account that LexisNexis continues to report on my credit file : Bankruptcy Case ID # XXXX I. disputed this account with LexisNexis and the results was the information was accurate. I directly called the Lexis Nexis telephone number that is listed on my report at XXXX and spoke with an agent and she informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have attached a copy of my security freeze confirmation that I received directly from Lexis Nexis showing the date of confirmation. I also contacted the courthouse in XXXX NC and spoke with a court clerk. She stated they do not furnish information to credit bureaus by mail, electronically, or by any other means.And they could not verify the account belongs to me and I stated it is reporting via LexisNexis. I am waiting verification from the clerk of court with supporting documented per our conversation. I was also informed by the LexisNexis agent that they verify information from a third party using XXXX verification. Which is unacceptable and I requested the account be reverified with the name and telephone number of the person that they verified the information with. As of today it has been more than 30 days for validation that this account is mine and I am requesting that it be deleted from my credit report for noncompliance. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. I demand that this public record Bankruptcy # XXXX be removed due to lack of verification and inaccurate reporting of verification date! I have repeatedly requested tangible documentation whether electronically or hard copies and LexisNexis has yet to verify. Thank you
I filed a complaint, CFPB XXXX, against Caliber, # XXXX, months ago, received a " satisfactory '' response ( $ XXXX ) from VP Assistant XXXX XXXX on XXXX XXXX. 
I changed insurance companies from XXXX XXXX $ XXXX ) canceled on XXXX XXXX, 2015, engaged XXXX on that same date and was quoted {$2000.00} on XXXX XXXX. They sent Caliber a proof of insurance letter in XXXX XXXX {$2000.00} ) but later they raised the premium ( {$2400.00} ) and I canceled on XX/XX/XXXX, I started XXXX homeowners on in XXXX XXXX ( {$1700.00} ). 
I have sent Caliber {$4900.00} to clear insurance refunds along with my monthly payment XXXX {$850.00} XXXX every month, they misapplied the escrow funds, chaos ensured. 
I have just received a mortgage statement XX/XX/XXXX from Caliber charging me a {$1200.00} monthly payment due XX/XX/XXXX and I had a past due of $ XXXX outstanding principle has increased from {$110000.00} in XXXX to {$120000.00} today. 
I paid Caliber the refunds due them and lowered my cost of insurance from {$3000.00} XXXX XXXX to XXXX XXXX to {$1700.00} and my payments increased. 
My calculations show me paid up-to-date and my escrow at a surplus of about {$600.00}. I have asked for and received no information from them. Can you help?
I applied for a NFCU credit card.. I was approved and fell behind on my payments. Well the agreement was XXXX per month, however they take funds out of your account without consent nor notification they do this at least three times a month even with the set rate agreement and the agreed upon date that it is supposed to be taken out.. When you call and complain they bully you into saying they can do that and that's their right! They need to be fined and stopped! IMMEDIATELY!