WillisBack/dataset-financial-user-claim huggingface dataset:
The complaint involves XXXX AND EXPERIAN report a chapter XXXX that has n't been VALIDATED yet still remains on my report. XXXX deleted the reporting and then added it back which is a violation of the FCDPA LAWS that states you have to give the consumer 5 days notice before adding anything back to a consumers file. I challenge the accuracy, compliance, and reporting of both listings. As of XXXX XXXX, the law states the following Beginning XXXX XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments, and tax liens must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of ( 1 ) Name, ( 2 ) Address, and ( 3 ) Social Security Number and/or date of birth ; and Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. 
XXXX AND EXPERIAN HAVE FAILED TO VALIDATE THIS INFORMATION ON MY REPORTS AND IS CAUSING ME GREAT HARM. I want these items deleted today.
Last week I received 2 letters from the sheriff 's office of LA stating Two judgements put on my house My wages are gon na be garnished For a false deabt collection please you must stop this scam They fraudulently Filed lawsuit Against me without contacting me no letters no one served me they just did it out of the blue I am desolate I'm XXXX  my XXXX   XXXX XXXX, We asked them for debt validation we have not received it to this date we don't even know who these people are scammers thugs consumers need to be aware of this illegitimate companies We have no idea what this debt is at all please help us resolve this matter at once and notify the consumer of this kinds of scams
I will try to explain, but so much has happened not sure where to start. This has been going on for 28mths just about. We have tried to do a loan modification and have been given the run around to the point we got behind and had to hire lawyers to help us and after the lawyer we were paying got suspended we have been left alone. We have contacted Freedom Mortgage since they got our loan back in XXXX XXXX from the previous lender which was XXXX. Since the lawyer we were left us high and dry in XXXX XXXX, we have been contacting Freedom, they keep giving us the run around. They said that we need to short-sale and if not they will give us 3 months to do a deed of liue and help us with relocation cost, we have wanted that in writing ... they keep saying that they have sent us a mitigation package and all that and to this day we have yet to receive it. I 'm sorry I forgot to mention this all started due to my husbands hours were cut and he had some medical bills that arose due to he had XXXX in XXXX and it looked like something had came back that caused us to apply to do a loan modification and it led to 28mths of fighting with mortgage company. So..after the told me to short-sale ... I went ahead and found a Realtor who put the house up ... she called them and they told her over the phone that the payoff was {$190000.00} and we had tittle company request it in writing ... we got an offer on the house while it was only on the marker for 7 days we were still waiting on the mortgage company to send the payoff..I have called them, had to leave a voicemail to a caseworker who never calls me back, left a message for a manager to call me and that has n't happened either ... we have a VA loan ... I do n't want to loose it, but how can I work with a mortgage company that is not working with me is almost as if they want to foreclosure.We do n't want that, we did not miss our payments on purpose, it was a life crisis that we ende dup in and went straight to the mortgage for help. Right now the people are waiting on our counter offer which we ca n't because Freedom has yet to send anything or return my calls. I 'm stressed, I just want to sale the house and move on, but the longer it takes the longer our credit is ruined. I want Freedom to help us and to do as they have said they will do. We ca n't loose our VA and we do n't want to foreclosure, we have tried to work with them and even have had an attorney email them to call him and they have n't even called him. All t his to me just does n't sound right and Im so scared that we wo n't have anywhere to go and no money to go anywhere. Please help us!! Please!
I have been attempting to dispute an illegal collection account on my credit report for many months now. I have submitted two different complaints through the financial protection bureau about XXXX  XXXX. It has been IMPOSSIBLE getting any information about this incorrect account on my records, I do not owe any medical debt I am a XXXX recipient in state of California and I pay XXXX dollars every where I go and it has been this way for 7 years. In XXXX I got a notification from my credit monitoring that a XXXX XXXX  ( mysterious company ) has placed a negative collection against me for a mysterious debt which I DO NOT OWE! they ruined my credit and I lost over 160 points from them reporting me as a delinquent person to the credit bureaus. I disputed this and the CFPB required more information about them and for the LIFE of my I can not find who theses people are and where they came from and where there illegal debt originated from. 

I HAVE NEVER received a single letter, phone call, email or any correspondence AT ALL about any debt I owe and this company has illegally and prematurely reported me right away as a " in collection '' and I have no knowledge of this debt nor have I ever been to a XXXX or had labs done outside of my doctors office where my XXXX is on file. 

These people are vultures and snakes and they have ruined my life without warning me, notifying me or discussing anything or any invoices with me. How dare they??? I hope that they are found guilty of violating FDCPA laws and are SHUTT DOWN for illegal practices. SHAME on them!
I have informed this company that I do not have any dealings with them. I need received notifications on this debt. I sent them my updated address and verified that they are not licensed to collect in my state. They have failed to stop collection activity and have not responded to my request.
Consumer financial protection bureau I applied for credit to purchase a mattress and bed on XX/XX/XXXX. I was not aware the item I was interested in applying for credit would be sent out. Within the next week I found out that an approved application meant that XXXX would immediately send out the item shown interest. I received a call to make a payment for {$25.00} for processing etc. that call was followed up with an email from XXXX asking for more money. I began calling and disputing asking to stop the shipment. XXXX informed me that there was nothing they could to stop the shipment. I repeatedly called to let XXXX know that I was applying for credit not asking for goods to be sent without my consent. XXXX told me that they would return the bed and mattress. However, the delivery was made within a few days. I was at work when the delivery was made and the bed and mattress were left at my home. Over the next year Ive called and emailed XXXX over 20+ times asking for return labels. Eventually XXXX emailed me and informed me that they sent a XXXX return labels in XX/XX/XXXX. More than a year later! The link to the alleged return labels never worked. They could not be printed or even viewed. I asked for them to be mailed to me because the XXXX link they included in the email did not work. I never received those return labels. I then continued to send pictures of their brand new product still in original shipping packages unopened and never used. My last email was in XX/XX/XXXX asking for return labels to be resent again. My subsequent conversations have been on the phone. However XXXX continues to be unfair as I have made attempt after attempt to return this item. As of XX/XX/XXXX, XXXX has sold a balance to Monterrey Financial and it is showing a balance unpaid, late, and in collections. I have attempted to correct this error. XXXX says they can not speak with me because my account has been sold. XXXX says they can not correct the situation because they can only collect a balance I have to deal with XXXX. This puts me at at unfair disadvantage to the companies who are very hard to reach and even understand. There is a language barrier with 85 % of the customer service representatives. The hold time and time needed to speak with a supervisor is seldomly under 30 minutes.
I paid off my XXXX Student Loan over two years ago. I am now being denied credit because the servicer ACS is reporting that I am XXXX-days late in making a payment. I have tried numerous times to reach out to ACS to fix the problem but I can not get a hold of an actual person and now the company has been sold to XXXX and I have no clue as to who to write or call to get this fix. My end result is to get this negative information removed from all XXXX of the Credit Reporting Agencies as it is FALSE/INCORRECT INFORMATION.
XXXX XXXX attempted to reach out to me about a debt that was owed to XXXX XXXX XXXXt. However, to my knowledge I had no outstanding debts the creditor.

When I called XXXX XXXX to see why I was being charged for excessive amount of late fees XXXX XXXX   stated that the debt is now owed to XXXX XXXX  and that I will have to contact them regarding this debt. I was never properly served with the adequate amount of paperwork. When I reported to XXXX XXXX that my credit card was lost and needed a replacement. I have not received my credit card replacement till this day. I went monthly to transact payment and check on my account incase my credit was being used fraudulently.
Hi I'm XXXX XXXX .My direct deposit from XXXX XXXX  supposed to be on my card today XX/XX/2018 but it's not here it's the next day now an the 48hr advance direct deposit have my bills late. I called my job and they told me that NetSpend haven't released nobody funds. Please fix this problem or I'm taking legal action against NetSpend and XXXX. Thank you
XXXX XXXX - I applied for a home mortgage at Bank of America, completed all the paperwork, and was told 'everything looks good by Sales Associate XXXX XXXX . 

XXXX XXXX - XXXX called to get my credit card number to charge {$470.00} for an appraisal. 

XXXX XXXX - XXXX called and told me the underwriter denied my loan because he 'did not FEEL ' my situation merited a short sale. ' ( Note : I was applying for a morgtage, not a short sale ). There was no further explanation. XXXX was very terse, not his usual business voice. I was too stunned to ask any questions, so I hung up. 

XXXX XXXX - I Faxed a letter of appeal to XXXX XXXX, Vice President and Sales Manager, asking for, among other things, an objective explanation in writing for the denial. He emailed me that he would send it to the manager of UW ( underwriter? ) department. 

On XXXX XXXX - I emailed XXXX to ask when would I receive my refund of {$470.00} for the property appraisal since the loan was denied and the property was not appraised. He emailed he would take care of it. 

XXXX XXXX - I called XXXX to find out who I should call to find the status of my Appeal Letter. I got his voice mail advising callers to call his associate, XXXX XXXX. I called XXXX and he said the files show my loan as PENDING, not denied. He said the underwriter was waiting for additional documents. I told XXXX I had emailed the said docs to XXXX on XXXX XXXX but would resend them. XXXX said I should hear something by Tuesday, XXXX XXXX. 

XXXX XXXX - Called XXXX and left a message ; Called XXXX and again asked status of loan/appeal. He said the loan had been CANCELLED and the underwriter said I had garnishments, foreclosures, bankruptcies late payments, etc. 

I had a short sale 2 1/2 years ago and XXXX XXXX discharged the loan because of a medical hardship. XXXX knew this at the beginning and thought it might be acceptable to the underwriter. In fact, he indicated a former underwriter in his department looked over my docs and thought my issues " merited a short sale, that things looked good. '' I have NEVER had a foreclosure, late payments, etc. If that was the case why did XXXX accept my application in the first place? 
I told XXXX that was absolutely NOT TRUE and if that was the case, why was n't that information on my credit report and how could I have a credit score of XXXX. He said he did not know, he was just the messenger and he would have XXXX call me.
I was pre-approved by Pulte Mortgage to purchase a home from Pulte homes. ThisThis pre-approval was based on me fulfilling several things. My incomeneeded to be verified, I had to defer my student loans for a year, and I needed tpay off XXXX credit cards. I paid XXXX payments of {$500.00} each to Pulte as a downpayment and they told me my house would be complete by XXXX orearlier, but then told me it would be XXXX. I had picked a base modelthat only had some cosmetic changes like flooring and cabinet color. Thehouse was framed when I started losing hours and was afraid of losing my job. 
I immediately started looking for a new job so that I could still buy the house. Iended up losing my job and informed Pulte. I did get hired a week or so later, and would be starting a new job for less pay about 2 weeks later. I was toldby Pulte Mortgage that I would not be approved because of switching jobs andmaking less money. They told me I could apply with a co-signer but may stillnot be approved. I was told by Pulte homes that they were not returning my {$1500.00} because my mortgage was approved and I had defaulted. I neverreceived anything from Pulte Mortgage that I was approved and they hadnever even verified my income. I was also not able to pay off the credit cardsdue to reduced income because my hours were cut and I was makingpayments to Pulte. I also had yet to receive anything from my student loans toshow that they were deferred. During this time I received a call from Pultestating I needed to pay {$500.00} for an appraisal on the home. I told her I didn'thave {$500.00} and she said I could use a credit card. I told her I needed to payoff the credit card as a condition of my mortgage. I was told there would be no cclosing costs and did n't understand why I had to pay for an appraisal on ahouse that was n't even built. I asked Pulte Homes for my money back andwas told that they did n't have to return it because my mortgage was approved aand I was in default. I explained that I was only pre-approved and was n't able tto meet the conditions of the mortgage. I was left with no job and no money. 
Pulte offered to put my money toward the purchase of a home at a later date, but I will never buy a house from them. I just want and need my money back.
I have disputed XXXX disputes regarding XXXX different collection agencies that have reported collections on my account. I have provided proof of all collections that were paid in full and Experian failed to fully investigate and remove thoses items which are currently hurting my credit score. First was XXXX XXXX XXXX, Second XXXX XXXX ( XXXX XXXX XXXX ) and third XXXX XXXX Bank ( XXXX and XXXX ).
On XX/XX/XXXX someone transferred our savings into our checking and made and UNAUTHORIZED charge at a XXXX in another state. Bank of America filed a claim and it took 10 days to process. We received notification on XX/XX/XXXX that they denied our claim and were not refunding our money. We have called today XX/XX/XXXX to appeal and they said it can take up to 60 days. This is unacceptable and we believe they need to refund us immediately. What can we do?
I opened a Citi Gold Checking account in XX/XX/XXXX. The account was opened using a promotional offer that Citi had, which provided a bonus of XXXX XXXX XXXX miles ( worth approximately { {$500.00} } ) once the following conditions were met : 2 bill payments in 2 separate months within 2 months of opening the account and XXXX debit card purchase of {$1000.00} or more. I opened the account, and verified ( via Secure Message ) with Citi that my account was opened using the promotional code, and that I had met the requirements of the bonus. I was told ( in accordance with the promotional terms ) that the bonus miles will post within XXXX statements of completing the requirements ( which would have been XX/XX/XXXX ). It is now XX/XX/XXXX, and I have paid { {$90.00} } in monthly fees to Citi, and Citi has not upheld its side of the promotion. I specifically confirmed that I was eligible for the promotion via secure message, and as such do not keep promotional mail offers for 6 months. Citi customer service representatives have been unprofessional and uninformative when trying to resolve this issue after submitting an investigation with Citi. Their CSR is incapable of making any changes and implementing any resolutions, other than pointing the finger at different departments. My wife has an identical complaint, and has filed a CFPB complaint as well. From searching the internet, there are hundreds of people which Citi is not upholding their terms of the promotion, while still charging monthly service fees for not providing any " service '' other than ripping off their customers.
Several months ago I filed a complaint with the Consumer Financial Protection Bureau, against World Omni Finance for reporting erroneous late payments. Today I reviewed my credit report and both credit reporting agencies are indicating I am 4 payments behind on my vehicle loan. The report is showing I am 30-90 days behind on my vehicle loan with World Omni. I am at the mercy of World Omni Finance Co. and these credit bureaus because it takes 30 days for them to investigate and another 30 days for them to correct the error. Then the error appears back on my credit report. I have been fighting this since XXXX. I contacted World Omni and their representative says they are not reporting any late payments. Please tell me what to do
Please need more info on the debt and if i could submit my   XXXX   XXXX   XXXX   the the   XXXX   XXXX   , if c ould lower the amount at all
I have a job and the only way Experian will allow account cancellation is via phone - each time I cal they say a 2 hour wait and before I am connected the line goes dead - there is no way to cancel!!!!!!
I rejected the response fro m Wells Fargo  on  XXXX   XXXX   2017 to c omplaint #  XXXX  and WF closed the case before I could respond to their response. I would like CFPB to forward this rejection to WF for the original complaint To  XXXX   XXXX  at WF, I DO NOT once again accept your explanation and response of  XXXX   XXXX   2017. FINALL Y, you have provided the fee schedule that I have been asking for the last 6 months. It now confirms my long standing issue that in addition to the {$16.00} fee for an incoming international wire ( per the fee schedule but waived for me as a premier customer ) there was another {$30.00} deducted from my  XXXX  transactions each that is NOT in your fee structure and thus UNAUTHORIZED and UNACCOUNTED. You again claim ( like   XXXX     XXXX  and   XXXX   XXXX   from your department ) that I should contact the intermediary bank.  XXXX  IS THE INTERMEDIARY BANK. You three " Senior Correspondence Specialists '' might learn from your junior colleagues a t WF (  "  XXXX   XXXX , my Branch Manager at the  XXXX   XXXX   XXXX  and a person in the wire department that clearly understand that WF is the Intermediary Bank and owe me an explanation ). On top of that, the three of you do not want to call me to clarify and instead keep sending me long winded responses in irrelevant and inaccurate self -praise of customer service hoping to bury the real issue. You could call  XXXX   XXXX  to understand what I am asking for! But you do not want to do. So I have to believe there is a definite intentional effort not to respond to this issue of transparency by WF. You will not tire me out in pursuing this. I want to make sure this is not systematically happening at WF. With thousands of wire transfers thru WF per day, this charge could amount to millions of unauthorized collections from unsuspecting consumers. I am now going to contact main stream media watch dogs to pursue this further.  XXXX   XXXX
Equifax, XXXX, XXXX, have, too many incorrect information, included, in my credit, file, wrong, account, balances, unauthorized, hard inquiries, from unknown, sources, i made too many attempts, to, ask them to, investigate, correctly, and, fix, my credit file, but, they keep on ingnoring, my requests, and, continue, to, damage, my, credit, file, evry, account, needs to, be, investigated, to, fix, the correct, balances, and, every, unauthorized, hard, inquirie, needs, to, be, investigated, correctly, because, is, been, a, lot, of, fraudulent, activity, going, on, my, credit, file, lately, but, they, dont, seem, to, care, causing, damages, to, my, credit, constantly
I am trying to settle an old charged off account. I received a response from Capital One stating that if I removed the " cease and desist '' from my account that I could then be offered a settlement. I called Capital One today XXXX/XXXX/16 and asked that they remove the " Cease and desist '' from my account as instructed. I then read the letter to them and told them that I wanted to settle on my account and wanted to know what sort of settlement offer they had for me. They told me that because my account had been XXXX that they could not do a settlement. This is not fair, this is not what I was told in the letter from Capital One on XXXX/XXXX/16. I then tried to call the number for XXXX XXXX that was written in the letter, however that was an incorrect number. Who can I contact to settle this account? Please help.
This debt is not owed. XXXX XXXX XXXX XXXX has transferred this account collecting on debt that is not owed. In XX/XX/2018, this issue was already disputed and matter was closed in favor of myself. Please provide in writing within 30 days evidence that this debt is owed and that you have permission to collect on said " debt ''. Also you will see from the statement below how this was handled in XX/XX/2018 : Referred STATUS CFPB referred complaint to another government agency on XX/XX/2018 REFERRED TO NATIONAL CREDIT UNION ADMINISTRATION We referred your complaint. 

After our review, we found another agency that is better able to help you with your issue. 

We also entered your complaint into the Consumer Sentinel Network, a secure online database operated by the Federal Trade Commission. Civil and criminal law enforcement authorities worldwide, including Consumer Financial Protection Bureau investigators, use the Consumer Sentinel Network to identify questionable business practices that may lead to investigations and prosecutions.