WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I filed a complaint ( case # XXXX XXXX against Envoy Mortgage. The exact same thing happen this year in XX/XX/XXXX. I ( again ) had to call XXXX who indicated Envoy would have received documentation 45 days before the date of expiration of the master HOA policy so there is no reason they need to send me these letters every year. Further, none of the other mortgage holders for units in my building have this problem. So somehow Envoy is doing something that is not industry standard/mandated by the CFPB otherwise why are they they only one harassing the mortgage holder for verifications they have already been sent? Please stop harassing me every year. Please get Envoy to stop sending me harassing letters asking for information XXXX has already sent them.
Just looked at my report and see this account I there never had a right to dispute letter and never was notified of the debit in question I did have uscell but it did n't work in my area so I cancelled itunder fair credit report act I must have right to dispute letter before posted on my report this had broken the fair credit act
For several months XX/XX/XXXX I did not receive statements on my Capital One credit card. I was on the phone monthly trying to resolve the issue with them. They blamed the XXXX Postal service, but I believe the issue was with Capital One. Their representatives assured me that my payments would not be treated as late because I did not have statements to pay from. As soon as I received a statement, I paid it and even did a couple of wire transfers. Recently I discovered that they reported a late payment for XXXX XXXX. I have NEVER had a late payment in my XXXX years of credit card use and this should NOT be on my record since I did not have statement to pay from. Dating back to XXXX XXXX, I have contacted them several times to have this removed from my credit report. They agreed when on the phone but they never sent the update to the credit bureaus. Today, I conferenced XXXX and Capital One on the phone. During that call, Capital One stated that they never sent those updates to remove that from my record and that they were not going to. So, for months Capital One representatives have been lying to me. During my calls, they would never put anything in writing for me because of " policy, '' but I see now it was because they were flat out lying. A " Late Payment '' should NOT be on my credit report record because of Capital One 's issue with statement processing. This is the only blemish on my XXXX years of credit and I was NOT late. THIS IS WRONG! They are a terrible company.
PHH the previous servicer of the FHA mortgage loan I had on my residence provided a payoff statement for the mortgage which was the principal plus 110 days of interest. The payoff was made on XXXX XXXX 30 days prior to when the scenario PHH provided was to expire which was XXXX XXXX. 

It is now XXXX XXXX and PHH via their agents on the phone state they are not returning the extra interest and are making varied excuses from the reason they charge 60 days in arrears, which is still half of the amount charged, to the reason that they do n't collect interest FHA does and I need the FHA to refund me the surplus even though they are the originator and servicer. 

Also communicating with their conveyance department is impossible. When I have to key in my loan information it takes over 1h to get through and they do n't accept emails. AS I have no recourse I am now reaching to the CFPB.
On XXXX I placed a fraud alert. Today I ordered my free report from XXXX and XXXX, but EQUIFAX denied my request saying I already requested my report. This is false, but they offer no way to dispute it or speak to a representative. The EQUIFAX automated line says that in order to dispute this fact, I need to call the number on the report that I am saying I did n't receive. This is just wrong. A Credit Bureau should not be able to hold consumers hostage. I am a victim of the XXXX identity leak and so all Federal Employees are subject to this poor treatment. Can you help me get my free credit report from my fraud alert from EQUIFAX?
I just opened a account a few months ago. I never received a bill/statement for the {$50.00} annual fee. I did receive my card but never activated it. The company closed it with out notice and will not reactive. Was told just to reapply. Was also told that I never paid their fee. When I call they told me I should have received a paper statement as well as a phone call. Which of course I have never received. I have not missed a payment on any of my cards in 16 years. I have another account with Chase and I have never missed a payment or been late. It is very unlikely that I would have not paid this account if I would have received a statement of some type Yet, they are refusing to activate the account, even when I offered to pay the annual fee same day as well as the their " late '' fees that accrued. They will only reactive if it was a bank error which I believe that it is. Chase refused to work with me on my accounts.
Apex Asset management LLC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX PA Attempting to collect a medical debt from me even after they receive a letter from a Hospital asking to stop collection and even after I finally talk to supervisor back in XX/XX/ and she confirm that they receive such letter from a hospital??? After that I continue to receive a letters and calls. As per my last conversation with XXXX XXXX ( agency rep ) in XX/XX/ she treating me and give me a last chance to pay using unprofessional language. 
This must be stop! I request to speak with her supervisor at this time and I was refuse my right to address my concerns to her superior. I appreciate you help in this matter. Thank you
I have Identity fraud. I am being contacted by XXXX XXXX for account that was fraududlently opened using my information. I have filed a police report and they continue to contact me demanding a payment.
In a letter dated XX/XX/2018, Tek Collect indicated that a collection account they are reporting on my credit for {$510.00} would be removed. The letter stated that this debt " should show removed from your credit histories within 4 to 5 business days. '' As of the date of this complaint, a full 24 days has passed with no change to my credit report with any of the 3 credit bureaus. I have even submitted disputes with the credit agencies to no avail, as the disputes have been closed, affirming the information reported is correct. As per the FCRA, the debt is too old to be reporting on my credit to begin with. Responsibility for this inaccuracy lies not only with Tek Collect, but also with the 3 reporting agencies as it is their responsibility to ensure that the information they report is correct. Simply taking Tek Collect 's word is not ensuring accuracy. This is causing me a serious hardship as I am attempting to finance a vehicle and will remain unable to do so until this issue is resolved.
In reviewing my credit report, I found XXXX credit inquiries from companies I 'd never heard of in states that I do n't live. I 'd like these removed, and I 'm wondering why the companies were given my information in the first place. I 've called all of the companies and been told variously to either write a letter or that they could n't help me. Why did XXXX happen within XXXX days of each other this XXXX? I do n't own a house ; why are XXXX mortgage companies looking at my information? What is XXXX? Is that the same marketing group hired by both mortgage companies? If they 're only licensed in MA and NY, why would my information even be useful to them? 

On XXXX/XXXX/XXXX, XXXX XXXX XXXX listed at XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX inquired after my credit. 

After googling, their name is XXXX XXXX XXXX. 

On XXXX/XXXX/XXXX, XXXX XXXX listed at XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX inquired after my credit. 

On XXXX/XXXX/XXXX, XXXX XXXX XXXX listed at XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX inquired after my credit. 

On XXXX/XXXX/XXXX, XXXX XXXX listed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX inquired after my credit. 

And on XXXX/XXXX/XXXX, XXXX XXXX XXXX listed at XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX inquired after my credit.
XXXX XXXX XXXX are relentless, they call my phone up to 12 times a day, and they have NEVER left a voicemail, so I dont know why they keep calling me. The only reason I even know its them is because I have to Google what number is calling me 10-12 times every single day. And then they call me today and threaten me with a fraud and a lawsuit that I literally have no idea what they're talking about. They are harassing me, and that's against the law.
Roundpoint Loan Number XXXX I suffered hail damage on my home in midXX/XX/XXXX 2016. Submitted a claim to XXXX my home insurance company during the first week of XXXX 2016. XXXX issued payments for the same during the last week of XXXX 2016. Around XXXX XXXX, 2016 we fedexed to Roundpoint the XXXX checks and other paperwork as requested by Roundpoint for a disbursement from them to us. Since XXXX XXXX, Roundpoint has not contacted us even once regards disbursal of insurance proceeds. We have spent more than 5 hours on the phone with various Roundpoint reps and have got a variety of excuses but till date we do not have from Roundpoint any funds. We 've signed a contract with a roofing company and can not get our roof repaired due to Roundpoint not sending us our insurance proceeds. 
Initially Roundpoint pointed out a {$700.00} discrepancy in the paperwork which we addressed. The discrepancy is now down to {$63.00} and Roundpoint still refuses to issue payment to us.
I opened a account with XXXX XXXX and they put a security hold on the account for months blocking me from changing the address and even speaking with someone on the phone in regards to servicing the accounts like updating the address and or getting account information. Every time I would call I was told I needed to speak to security and they would give me a list of things to send in. I even went into a branch in XXXX Ga ans after giving them the information they wanted they also told me they would update the address only to find out it never happen. I than later called got login on line to find the credit card was past due 30 days. I never activated the card it was not a annual fee it was a card shipping fee. It was taking off by XXXX federal as they have agreed yet my credit is destroyed! They tell me there is nothing they can do. this is insane I never use the card and was told the account was closed until I cleared things up with security. Please step in so I may fix my credit.
My loan for disadvantaged students and XXXX Loan was transferred to another company without informing me ( to ECSI ). My payment was overdue because I could not log into my account with my old lender. I finally find out the loan was transferred and missed a payment. Now my credit is damaged by no fault of my own. They will not help me. I had to pay many thousands of dollars or was threatened to put my loans in immediate default. I feel I am being mistreated by this process and have no XXXX on my side. Even as I try to pay they charge large processing fees.
I have asked Navient ( formerly XXXX XXXX ) to grant some sort of physical hardship delay or understand that I have had multiple XXXX since I graduated. The requests have been denied over and over and now Navient is telling us they are moving the load to a debt collector. I am unemployed with a XXXX year old child to care for, they do not care and simply keep calling for payment when we 've explained it 's not possible. I have no options according to Navient.
I received a phone call from XXXX and answered the phone. After several greetings, no one responded at all, and I hung up the phone. I XXXX searched the phone number and found that it belongs to : Astra Business Services website - www.astraglobal.com It appears to be a collection agency. Concerned and not knowing of any debts whatsoever, I called the number back. The automated answer states that it 's Astra Business Services and, " this is an attempt to collect a debt. '' When I wait to speak to someone, I am hung up on every single time they answer. I called back 5 times. On the fifth time, someone actually answered and said, " Yeah what? How can I help you? '' As soon as I started to speak the person hung up on me again. 

I suspect that this number may be related to a scamming of some sort. I can not think of any other reason why they wo n't talk to me. Now I 'm concerned if I should pull my credit to see if there 's some debt I 'm unaware of, but that could be a complete waste because I 'm actually being harassed.
Our mortgage was transferred to GreenTree Servicing in XX/XX/XXXX/XX/XX/XXXX. There were confusing documentation sent from both XXXX and Greentree in regard to who and where payments were to be sent. I never rec 'd a payment booklet nor an actual statement. I waited and sent a payment in XX/XX/XXXX. The item I did receive from GreenTree said " Informational Statement '' an " This is not a bill '' ... .I paid in XXXX, XXXX, XXXX ( which they held the check long enough to charge a late fee to my account ). But in XXXX, they ret 'd my check and refused the payment that was above the amount of my house payment. SInce transferring my mortgage to GreenTree, it has been a constant complication. I have tried to deal with them but even completed a " loss mitigation/modification pkt '' in order to settle this issue. I have not been informed of the result, p/there statement but instead rec 'd a letter from a lawyer informing me my house would be up for foreclosure on XX/XX/XXXX. Essentially, we never had a prob prior to Green Tree and I have offered and tried to make payments but they have refused to take them making me further behind and adding ridiculous charges/fees. I need help to deal with these people or advice on how to do so.
My mortgage company Ditech began charging me a late payment charge last month that they had not previously charged. I rely on my monthly Social Security payment to pay my monthly mortgage, and I do not receive my Social Security payment of {$2500.00} until the third Wednesday of each month which means I do not pay my mortgage payment of {$1300.00} until after the XXXX of each month. Last month they harassed me with about seven phone calls, and I finally answered and told the woman to quit harassing me because I could not pay before I received my Social Security. This month, Ditech decided to begin charging me a {$26.00} late fee monthly.
I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
I do n't have a delinquent loan. I have received XXXX calls each day for the last 2 months. They claim I have debt and threat legal action, they use several legal terms and it is ALWAYS a message, never a live person. Harrassing messages daily on my cell phone, with no details or specifics. Claim they are called CONCORD RESOLUTION..
Experian didn't properly identify my disputed update. For Account Name XXXX   XXXX Account Number XXXX Account Type Credit card I'm requesting proof of liability to this account that is on my credit report and I was only sent an update to the claiming it's mine. Under Sec. 602. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness,1 credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

1So in original. Probably should be creditworthiness,.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. 

By law I request to see signature I owe this debt!
Synchrony Bank reported that the account was past due ON THE DATE that I made the past due amount ( which technically the payment was scheduled beforehand ) - X/18/2018. The fact that they reported this after or on the day that the account was no longer delinquent expresses vast incompetence on their part and an intentional yet destructive abuse of the reporting system. 

If Synchrony does n't reverse this, I will seek damages as a result of their false reporting. I also know of other members who have reported the same issue with this bank and we are collectively in the beginning stages of considering a class action lawsuit. Cardmembers take false information very seriously, and it will not be tolerated, no matter who you are or what you represent. 

Regards, XXXX XXXX XXXX
I sent a letter to this company to remove a unauthorized inquiry from my report that was done without my consent and they have not responded.
CRA VIOLATION NO KNOWLEDGE INACCURATE AUTO LOAN AND MORTGAGE LOAN APPEARED ON MY EXPERIAN CREDIT REPORT.
I am disputing this bill from a collection agency. I mailed the collection agency this dispute 6 months ago but of course had no response. I was told this debt was bought from the doctors office so I could no longer dispute it. My daughter visited the ER XXXX XXXX 2011. The ER doctor who never touched my daughters XXXX XXXX just ordered a XXXX and XXXX consult. I paid ER doctors bill for visit and ER charges but he had a separate procedure code for resetting her XXXX XXXX. I refused to pay this because I paid the orthopedic doctors bill for the same procedure and like I said the XXXX XXXX never touched her arm. I disputed this in writing to the physician 's office but never heard back. This was a gross example of fraudulent billing. I was billed for a procedure that was never performed by the doctor.
My husband and I keep receiving debt collection calls and correspondence for XXXX XXXX from Midland Credit Management. We have advised them in writing twice prior that we do not know who this person is and asked them to stop contacting us.
On XX/XX/2018, I received a response from CFBP complainant # XXXX. The response was a compromise from US Bank lowering the original quote of 1 % of the original loan amount to 0.25 % of the current loan amount as a fee/penalty for removing the escrow account and allowing us to pay our taxes and insurance ourselves ( see below attachment ). The response advised that we needed to send a written request to a specific entity with US Bank. We sent an email and a certified letter to the location that the specified. In this letter, we asked if the fee included clerical fees to amend the mortgage agreement that they purchased from XXXX XXXX in order to avoid paying the fee again should US Bank immediately turnaround and sell our mortgage. I received notice that US Bank received my email on XX/XX/2018 and I also received notice that US Bank received notice of our letter on XX/XX/2018. To date, I have sent additional emails with no response. I have called US Bank customer service as well as the number that they placed on the response to my last CFBP complainant. I have been transferred to voicemail and have left numerous voice messages. The automated message on the US Bank voice message advised that a return call would be placed within one business days. I can not get a response out of US Bank and at this point I feel as if they are refusing to reply. I know they have our contact information, as they are punctual on sending out monthly mortgage payment request. We are a month ahead on the mortgage and I have an excellent credit score. We are simply trying to eliminate our escrow account, as they are charging an additional XXXX dollars a month as a " cushion '', then taking their sweet time to refund us the money at the beginning of the next year. We need this money for day to day expenses. Why should S Bank us my money for investment or gain interest on my money all under the guise that they hold the money as a cushion for set yearly Taxes and Insurance?

CFBP as successfully reduced US Banks willingness to charge me fee from 1 % to 0.25 %. Thank you. Could you please determine why US Bank is now refusing to respond to my request to remove the escrow account ( as brokered by one of their agents ). I have attached the last two correspondence, since the original CFBP complaint was filed. We are frustrated that we have to file a complaint with you in order to get US Bank to even acknowledge us.
Hello, I had a credit card with Wells Fargo. Many years ago, it was closed by WF and I entered into a repayment plan in XXXX of 2011 with the understanding that they would draft {$52.00} from my account on the XXXX of every month until it is paid off. This year, in XXXX, they did not draft the payment. I received a late payment on my credit score which caused a significant drop in my credit score. I called and found that they stopped drafting it because I only owed {$8.00} and insurance which they needed to waive. I paid the {$8.00} promptly and asked to have the late payments removed from my credit reports. A month later, I received a notice that they had reported the information accurately and will not be removing the late payment. I do not think this is fair seeing that I did not stop the payment on my end. When I signed up for the repayment, the understanding was that it would draft until the account was paid off. The money was in my account at the time and should have been paid off. 

I worked with XXXX, a team lead in collections there. Her phone number is XXXX. Is this legal?
There name is vital recovery systems I asked for there address because they were calling XXXX to XXXX times a day for a debt I never heard of or owe.I sent them a letter telling them to cease the calls there leaving messages on a business number and stating that they were a collection company using the number XXXX.Now when I pick up the phone is makes it seem like I was placing the call and says " I 'm sorry we can not connect you we are experiencing technical difficulties '' They have harassed me for weeks! The people that call are very rude and sometimes they call back with a false caller ID number from my area.