WillisBack/dataset-financial-user-claim huggingface dataset:
After paying Experian, and answering the required questions correctly to verify my identity, for me to access my online credit report. I noticed the following errors ( hard inquiries ) on my credit report : 1. XXXX XXXX XXXX  , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   California XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Therefore, I decided to write a letter which is dated XX/XX/2018, to dispute the above mentioned errors. Consequently, I received a letter from Experian that stated, " We were unable to honor your recent request because you did not provide sufficient identification information for us to verify your identity, or the information that you provided was not legible.

My identity was verified online that is how I was able to receive the following reference number from Experian regarding my credit report : Reference number : XXXX  Any assistance that you could provide me pertaining to this matter will be greatly appreciated.

Respectfully, XXXX XXXX
This company never sent me my right to dispute and never sent me a single written communication until after I filed a complaint against them. Even after they sent that letter supposedly verifing a debt that I do not believe I owe, still no right to dispute, and they committed libel against my person by putting a collection mark on my credit without even talking to me. The law states that they must send me written communication 5 days after initial communication, I guess they figure that they could try and get around the law by never trying to contact me. Now they claim they did try to send me a letter before the one I got, so I sent them a certified letter with return receipt telling them that unless they can provide me proof of this, they will remove their info from my credit report or I will take legal action. The usps confirms this letter reached them on XXXX XXXX XXXX   2017, it was signed for but since they refused to date the return receipt, I can only assume this was read on the same day. The 30 day mark has been reached and since they no longer have enough time to remove the info from my credit, either provide me proof that a letter was received by me or I turn everything over to my lawyer who will be in contact about your violation under the FDCPA. If this complaint is not responded to, I will let my lawyer know this also. I have exhausted every attempt to try and solve this issue in a fair manner and both XXXX and XXXX have refused to do so.
Paid mortgage with a check. XXXX would not accept my check because it was not the exact amount due. They did not tell me they would not accept the check. XXXX eventually mailed me back my check and marked me as a late XXXX I paid early with a check. I tried to pay more than my current mortgage payment to lower the debt. XXXX did not cash the check. XXXX mailed the check back a month later with a letter stating o can only mail check for exact amount due and Im not allowed to pay ahead. They took too long to tell me causing me to pay pay after due date. They should have cashed my check or called or sent check back earlier. So now I have a late payment showing XX/XX/2017. I should not have that. I tried to pay and pay ahead.
The medical collection debt from Lanier Collection Agency/XXXX has three separate amounts listed for {$120.00}, {$81.00}, and {$53.00}. I am unclear on where and when these said amounts were originated. I have maintained medical coverage for the past 10 plus years of my life through XXXX XXXX and XXXX XXXX. I am very interested in receiving an itemized bill/statement for my personal review to compare with my insurance statements/payments for the services rendered in question. I have reached out to Lanier Collection Agency to request validation of these amounts by submitting disputes to XXXX. The dispute was completed and I was notified that Lanier Collection Agency has issued validation for these amounts, however I ( the consumer ) did not receive anything. I have a professional background in XXXX XXXX XXXX XXXX and I am very aware that mistakes regarding amounts are commonly made, and I need to be sure that I am paying a debt that is first mine and secondly billed correctly after my insurance coverage has been applied.
Saying government documents are invalid for a proper investigation and not actually reading documents. All of this for a false deed of assignment all done on a XXXX vet and family? also how can XXXX bank rewrite the transaction history just to execute a invalid loan modification for XX/XX/XXXX in XX/XX/XXXX? And I what to know what it is that is actually being hid from me and all borrowers?
Macys uses a company called MCCS for collections of accounts that are past due but not XXXX days past due. They use robocalling and most of the time no one is there. I am not the only one who is having this issue. The phone number they use is XXXX. I consider this to be harrasing. Macys statement on the bill is " A friendly reminder that your payment has not been month 's billing period. '' In my opinion this is not ethical business practices. On XXXX XXXX I received XXXX calls. This is unacceptable and harrasing for a bill that is XXXX days past due
I went to take out an auto loan and found a mark on my credit report that surprised me since I 'm still a customer. Associate Credit 's customer XXXX gave them a wrong address to contact me with a past due bill. I have been a customer of XXXX since 2006. XXXX uses social security numbers to identify customers to accounts. Associate Credit did not attempt to collect information from their customer after not being able to reach me by phone or mail and simply just reported me to XXXX XXXX. If they had made contact with their customer, they could have found the error themselves or could have obtained my current address. This has caused damage to my credit. I was unable to obtain an auto loan due to this error. If I had been contacted with this bill of {$130.00}, I would have paid it immediately. I 'm also filing a complaint against XXXX for not combining the XXXX bills, since I 'm still a customer with them.
CitiCards has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I am filing 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 the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under sections 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 filed bankruptcy XX/XX/XXXX and had all debt discharged. I have a person trying to tell me criminal action is being pursued against me for a returned check that was included in the bankruptcy discharge. I notified all creditors that the bankruptcy was filed. This particular person/agency continues to call after 3 years of the bankruptcy being filed and discharged. The latest call was made onXX/XX/XXXX and I was threatened with criminal charges and told contacting my attorney would be pointless that the charges would be filed any way and that I would be recorded as non-compliant in the matter. The person also hung up on me rather than having a discussion. The person/agency never gives a name, just that they are from the Fraudulent Department and leave a call back number.
On XXXX/XXXX/2017 Gateway One Lending made an unauthorized inquiry on my credit report without my consent. I have contacted them on numerous occasions by mail and phone to remove the inquiry to no success.
Hello, I am writing to you because it is almost 6 months since I called my mortgage FREEDOM Mortgage asking for help to save my home. at the beginning they told me to provide a list of documents in order to be reviewed. 

I faxed, mailed, and email all documents requested, never got a call back from anyone. I called and I spoke to XXXX XXXX who told me he was the XXXX for the department and he told me he apologize but they forgot to review my account. 

I asked them the reason why no one never return my calls after numerous times. he stated that the person assigned to the file left on vacation and didn't get a chance to review my application. He also told me that I had to re submit my application since they lost the documents. 


I re fax all the documents 2 days later and now XXXX XXXX XXXX ( manager - Toll Free XXXX ext XXXX & XXXX XXXX ) refuses to return my call. 

I called again and I was able to get a hold of another manager who stated that XXXX XXXX XXXX left the office on vacation and they had no access to my loan modification application. 

I am very frustrated since FREEDOM Mortgage keeps playing games with my loan modification application and now they are refusing to return my calls. 

Please help since it is almost 6 months trying to get help and FREEDOM Mortgage keeps manipulating my request to get me out of the program. 


XXXX
I 've been going back and forward with this company about this debt not belonging to me. They have started to contact me by phone, attempting to collect a debt not owed. After speaking with an attorney, I decided to see if this company is licensed to collect debt in Louisiana, but it turns out that this company 's status is " inactive '' in Louisiana. Louisiana requires a license to collect debt. Therefore, they should n't be attempting to collect a debt from me. This company is harassing me about a debt that I do not owe them. I ask that this company do not contact me anymore and REMOVE themselves from my credit reports. If this company can not provide me their license to collect debt in Louisiana or an agreement with my signature stating that I agreed to pay them and not another company then they should REMOVE this debt immediately.
entered into a 24 month contra ct ( in terest free ) that was paid in full in 21 months. Because a payment was n't made during the period they accessed a late fee only because a payment was made to early and was recorded the prior month. when contacted they failed to adjust. they then continued adding late fees to the account and finally filed with a collection agency to collect several  XXXX  dollars as a settlement. This was charged off per   XXXX   credit report.   My name is  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX  XXXX  XXXX  this transaction was with   XXXX   XXXX   XXXX   thru SYNC in the amount of {$390.00} dated entered into  XXXX  and filed  XXXX , I sent them a payment schedule which they never acknowledged or dispute listing the dates of payments.   This is an example of how free interest for x time functions and is not my first experience. Why action has not been taken against these kinds of activities is hard for this person to understand. It is attempted extortion!
1. I just received my free annual credit check and was disgusted to see that XXXX XXXX only show my payment history since XXXX XXXX even though the account was opened in XXXX XXXX and payments made on time for 8 months have magically disappeared from the public record. 
2. Even though XXXX XXXX closed my account in XXXX XXXX it was paid in full the same month. 
Therefore XXXX XXXX is misrepresenting my credit history adversely as it is effectively " playing XXXX '' by deciding to show the only bad issue on my entire credit history and not show the full picture. This is a shameful and blatant misrepresentation of the truth and we consumers seemingly have no recourse. 
3. To make matters even worse XXXX has run my credit without my approval in XXXX and XXXX XXXX. I have no interest in ever dealing with XXXX again but they told me they can run my credit as much as they like and there is nothing I can do about it. This is morally outrageous and offensive. We consumers should be afforded legal protection from these corporate vultures and I formally request that they stop snooping into my credit that they have adversely impacted. In other words, these companies should not be allowed to run consumers credit without the prior approval of consumers.
I am filing this dispute against XXXX XXXX/Resurgent for unfair and inaccurate credit reporting. The collection was removed from my credit report XX/XX/2016 and the re-added without any form of notice. Under the Fair Credit Reporting 15 U.S.C. 1681g Act I demanded disclosure of the documents that were recorded and retained. I have sent XXXX XXXX XXXX, XXXX, XXXX, and XXXX multiple letters to verify and validate the debt as mine. I have not received documentation or verifiable proof from XXXX XXXX XXXX, XXXX, or XXXX. XXXX removed the debt as it could not be validated. If XXXX could not validate the debt how are XXXX  and XXXX? Where are the documents to show proof that I had a contract with XXXX XXXX XXXX? I am requesting if you do not have any documentation in your files to verify the accuracy of these disputed accounts and proof that they have authorization to collect debt, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Failure to provide me with  verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you can not properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
I have had a wells Fargo secured credit card for over 2 years. Paid my Bill 's over the amount requested and never received an upgrade. Their excuse is I haven't updated my salary and I paid 2 days later than the time once. Everytime I call I update my salary. The manager I've spoken to is a completely rude and doesnt care about upgrading anything. I asked several times when the upgrade would happen and for 2 almost 3 years inXX/XX/2019will be 3 years. I have 2 cards that's been upgraded to unsecured and close to $ 15k and I still have this measly little {$400.00} card. They lie about the entire upgrade process.
Two to tree calls a day for the past 4 months from a " National Enterprise System '' to collect a debt that is not ours.
My husband and I submitted an investigation request to Equifax on XX/XX/2018. Over 30 days have passed, and they have not yet sent us the results. I even sent them a follow-up letter which has also been ignored.
Loan Number XXXX was Paid in Full on XXXX/XXXX/2015Seterus has not returned Reconveyance / Escrow for $ XXXX have faxed them copies of their own records in order to eliminate any question ( s )
I was quickly and thoroughly pre-approved for a 15 year mortgage on a used RV. Once I identified the RV, I submitted all information requested to complete the loan. Since then, I 've had zero communication from them despite repeated email and phone messages. As a result, I lost the RV I was pursuing and the deposit ( $ ) I placed on it. I have XXXX credit and was pre-approved.
I have two private loans that I received when attending XXXX XXXX XXXX XXXX. Loan # 1 was for {$5200.00} in XXXX and Loan # 2 was for {$2900.00} in XX/XX/XXXX. The terms of the loan was n't explained. I am in a variable rate that is continuing to increase and currently is above 14 %. I have been paying on these loans for 10 years ( since XX/XX/XXXX ) and still owe a balance greater than $ 20K. My monthly payments are {$200.00} of which {$150.00} is interest and {$100.00} of which {$76.00} is interest. Over 70 % of my payments is interest and I 'm unable to continue making these payments. It was advised that I would need to try to obtain a loan from a different company to payoff these loans if I want a lower interest rate but the loans would be extended out further than the current maturity date in XX/XX/XXXX which would result in my paying even more than I 'm expected to pay now. I am stuck in what appears to be a never ending cycle of paying off my student loan.
On XXXX XXXX 2016, I was on a business trip in Illinois. I called XXXX XXXX, my flight carrier, to change my return trip to XXXX. I was originally scheduled to fly back the next day, but I wanted to fly back that same day instead, if there 's any flight available. The XXXX XXXX customer service rep initially said that there is a flight available on that same afternoon and she could change my reservation but a change fee of {$220.00} would be incurred. I said sure go ahead make the change. After she made the change and my Amex credit card was charged with the change fee, she came back and said that she made a mistake and the flight that she found was from XXXX to Illinois, not Illinois to XXXX. I told her to undo the change to my reservation and she did. My flight reservation was back to the following day as it was originally scheduled. However, she said that she 's unable to reverse the credit card charge and she will instead send me a travel certificate good for one year. That 's unacceptable to me since I have no plans to fly XXXX within the next year nor can the travel voucher be used for a non-XXXX flight. Since this is completely not my fault, I feel that anything less than a full refund to my credit card is unfair, which is why I immediately disputed this charge via my credit card provider, American Express. On XXXX XXXX 2016, American Express closed the dispute without sending me an explanation. Upon my calling their customer service center, I was informed that they do not have the ability to compel the merchant to reverse this erroneous charge and that since the merchant has refused to do so, I am liable for the charge. I feel that I am left with no choice but to appeal to the CFPB for help in this matter. Thank you for your attention.
XX/XX/XXXX : I deleted my old number associated with my coinbase account ( to update new phone number ). I was locked out of the account and got an error - 'Account recovery process could not be started because you don't have primary phone number '.

Submitted support request.

XX/XX/XXXX : Received mail from coinbase support about reversed transaction on XX/XX/XXXX of {$2700.00}.

Got reply from coinbase support to create new account, finish Identity Verification procedure and wait for funds transfer.

XX/XX/XXXX : Told to wait for fund transfer.

XX/XX/XXXX : Mailed coinbase for assistance to choose alternate payment since I could still not access my account.

Still No response.
I have a total of about {$50000.00} in private student loan debt with  Navient. Curre ntly, I have attempted to make manageable payment arrangements to no avail. I have provided them with bank statements, income statements, account information, debt breakdowns and just about any other type of information  one  would need to prove the need for more appropriate payment totals.    Navient  has continuously denied my requests, with most decisions taking them up to 45 days and I only find out about the decision when I call them more than a month after applying. Then, they inform me that it 's always up to the VP of the company and that nothing I could do will change the outcome.   Therefore, I am stuck with bill after bill that " demands '' I pay them over  2.5  times what my income is each month.   I have a family to support and a life to support aside from paying greedy loan sharks. I can not afford to give them all of my income each month while they continue to DESTROY my credit and any chance I might have to find someone to work with me to manage this debt better.     M y credit score has plummeted because of Navient , alone.
Harassing phone calls told them to send bill do not know what it is for. Will not stop calling at all hours. I have voicemails of threatening legal charges. Threatening arrest. Yelling at me. 
XXXX XXXX And XXXX XXXX XXXX
I am located in Georgia and our area was declared a Disaster Area. My mortgage company, Wells Fargo sent out a letter stating that since we were in a disaster area that payments would be suspended for three months and no late fees or negative credit reporting would be done during this period. This applied to home loans and Equity lines of credit, which I have both. The letter did not state that at the end of the three months you would be required to make all of the payments at once and all late fees would accrue. The letter was very vague and misleading. Now I am receiving a notice that my mortgage is in default. How can this be possible? How is someone expected to make 3 months worth of payments as once when they were having trouble making the regular monthly payment because of extra expenses from the disaster? It would have been easier to try and come up with the regular monthly payment. 

In researching I am not the only Wells Fargo customer who has experienced this problem. I ask you help in resolving this matter, not only for myself but for the others who have been affected and are now in jeopardy of default.
SunTrust Bank has still not sent out 1099 forms. The legal deadline has passed. Same problem as last year : we waited and waited for the very late document before we could file our Federal/state income tax. Our accountant says that other SunTrust customers have had the same problem. When I talked to the bank they offered no reason or excuse.
The doctors office charged me for procedures that were paid for that were done by specialists. XXXX paid them and another office for same procedure. also took my co pay in cash stated they would email receipt. I contacted XXXX legal department on this office and also XXXX XXXX. I also contacted there billing office for XXXX XXXX XXXX. They continue to be rude and ruin my credit. I stopped goinmg to them after wrong medication and billing issues. This has been the 6 collection company that wont stop calling and threatens me. XXXX legal dept is working on this care. Iam XXXX with XXXX XXXX and other XXXX and am ununable to get financing for procedures that will save my quality of life cause of this collection opn my credit bureau and the time it has taken for XXXX to fix it.
In reference to case # XXXX The information attached, shows that Selene Finance made false statements to the CFPB on page XXXX of their reply labeled XXXX. " At the time of the servicing transfer, the loan was due for the XX/XX/XXXX through XX/XX/XXXX contractual installments and had an unpaid principal balance of XXXX " They also show that Selene falsified information during our refinance XX/XX/XXXX refinance.
We received one call and then another call about 3 weeks later from a XXXX XXXX, Consumer Protections Bureau, telephone number XXXX, stating that I had won a total of {$580000.00} but could not tell me what contest of where the money was coming from. That the Bureau only delivered the money. I explained to him I knew nothing about this and did not think it was for real. He stated that I could give it to a charity and I told him that was fine, to send it The XXXX XXXX in XXXX XXXX, TN as this was a refuge for needy people and I gave him the address. He took all the information I gave him and said the check would be mailed to The XXXX. This was over a month ago but The XXXX has never received any check. Is this a scam and is this XXXX XXXX an employee of the Consumer Protections Bureau? If not, he is using your name. Thanks for your help in this matter.
I have contacted Transunion about a fraudulent dismissed bankruptcy on my credit report. They are the sole reporter of it and when I contacted the origination court they do not have a record of it. I never filed for bankruptcy, I have no history of bankruptcy and transunion will not verify this outside of the flawed  XXXX  system that spits it onto the page as verified.