WillisBack/dataset-financial-user-claim huggingface dataset:
Back at the beginning of XXXX I had a credit related issue dealing with JP Morgan Chase, after weeks of dealing with people who could n't give me any answers I finally was brought to someone in the executive office who was wonderful and willing to help in any way possible within her guidelines. I needed to resolve a late that was on my report, XXXX 2017, reported late on my credit report because there was a {$30.00} balance I was completely unaware of. Once this was brought to my attention it was immediately paid but to rectify the credit issue the representative from the XXXX reallocated my XXXX payment on XXXX XXXX so it reflected in XXXX which would take care of the late on my credit. When this was done, I did not realize it would take the entire XXXX payment and apply it to XXXX, I thought this would take just the payment necessary to cover that {$30.00} I was unaware of, so I just had the credit repulled and though the XXXX ( XXXX payment ) late was removed, now I have a XXXX late ( XXXX payment ) because my full XXXX payment was taken and applied to XXXX. I 'm not sure how we go about resolving this but I lost the house I was under contract on because of the XXXX late. After fixing the errors and having 3 letters from the executive office stating the late would be removed, when the credit bureaus called to verify they were told not to take the late off, we lost the house and I had to get everyone in touch with the correct people to verify and clarify the miscommunications going on. We are under contract on another house and will lose this one as well if this does n't get resolved. It is important for me to note that Chase reports for the prior month of payment. For example, they report on the XXXX of every month, so my XXXX credit report is a reflection of my XXXX payment. My XXXX XXXX credit report will be the report of my XXXX payment.
There are multiple addresses listed on my report that I have absolutely no knowledge of. I suspect identity theft and request all addresses other than my own on my report, be removed.
There is a balance of XXXX from XXXX XXXX ON MY XXXX MY EQUAFAX AND MY XXXX CREDIT REPORT WHICH WAS PUT ON MY CREDIT REPORT XX/XX/2018. THE AGREEMENT BETWEEN MYSELF AND XXXX WAS I WAS GOING TO PAY THE XXXX TO THEM ON XX/XX/2018. I CALLED XXXX ON THE PHONE AND TA ; LK TO A REPRESENTIVE AND I EXPLAIN THAT I DIDNT HAVE MY ACCOUNT NUMBER WHEN I MAIL MY CHECK OF XXXX TO THEM. I MAIL IT BY UNITED STATE POST OFFICE TO THE ADDRESS WHICH I SAW ON THERE WEBSITE WHICH WAS XXXX XXXX XXXX XXXX NEW JERSEY XXXX ON XX/XX/XXXX IN THE XXXX. ON XX/XX/XXXX I  RECEIVE ALERT FROM XXXX  THAT I HAVE A COLLECTION ON MY ACCOUNT. SO I WENT TO VIEW MY ACCOUNT I SEE A XXXX ACCOUNT WITH A BALANCE OF XXXX  PAST DUE IN COLLECTION. I CALLED XXXX THE NEXT DAY ABOUT IT AND THEY SAID THAT THEY DIDNT RECEIVE MY PAYMENT AS I EXPLAIN TO THEM I MAIL IN A CHECK TO THEM AND MY BANK HAS NOT CASH THE CHECK I ALSO EXPLAIN TO THEM THAT I HAVE NOT RECEIVE ANY EMAILS OR LETTERS FROM THEM CONCERNING THIS ACCOUNT WHICH THEY DIDNT CARE ABOUT IT. I EXPLAIN TO THEM THAT I CAN PAY THIS AGAIN SINCE I MADE PART OF PAYMENT EARLIER.
A XXXX XXXX XXXX is calling / harassing my wife, me, and now my wife 's mother. He is calling on behalf of Feldman & Stern, LLC out of Florida, which I believe is a company created for just these types of scam opportunities. He is telling me that I have 24 hours to pay this debt that we have never heard of. Apparently the $ 100+ debt is from their client, XXXX XXXX, which we have n't been members of for about 5 years now. We contacted XXXX XXXX and are hoping they take this to the top. This debt collector email us a letter which we asked for and it look so un-professional with many errors. FAKE ... The address listed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX which is different than the address for this LLC on the secretary of state 's website for Florida. Anyway ... they gave a phone number which is XXXX
I got sick and been having trouble paying all my bills over the past two months. Mariner Finance has been calling and I finally called them to make payment arrangements they told me that I am two month behind ( {$95.00} x 2= {$190.00} ). And that they were going to a judgement and garnish My wages. I spoke to XXXX the manager of the XXXX Ohio branch office and agreed to allow me to catch up the two payments by XX/XX/XXXX. and no legal action would be sort. On XXXX XXXX, 2017 I received a certified letter indicating that I was being to. Court over the unpaid balance owed to Mariner Finance.  This not in keeping with what I was told by XXXX. I think this a bit extreme and unfair since I will be current again in lest than two weeks.
Hello. Ihave had a Macys card for decades. Almost always I pay the card in full every bill. For the last year or so ... I receive the bill online. I log on IMMEDIATELY and pay in full. However, the nenxt month, without fail, I am billed anywhere from {$1.00} to {$5.00}. I then have to call and ask what this is ... as I have paid the bill in full the same day it was received. I am told it is interest. I tell them I have paid the bill in full as per the EXACT amount they billed. The rep has waived the interest lately but today I have another bill for {$300.00}, and it is the same thing. It is a holiday and I do n't want to have to deal with this again. This seems illegal and certainly unethical. I have every email and bill and payment saved for verification of the payments made. Can something be done about this? Why show an amount due on a bill ... it is paid well before it is even due and then there is some arbitrary balance? The Macys card seems to be through Citi. XXXX
I am trying to work with Experian to get my credit freeze lifted. 
They were not able to process my request online. Their website suggested I try the online upload. When I did, it said it was not able to accept my upload. 
Now they are requesting a letter, state id, bank statement, and copy of my social security card be mailed directly to them. 

My complaint is this. Experian is asking me to send everything anyone would need to steal my credit in the mail to a known online published mailing address. Literally asking me to create a nice little package for anyone to steal my identity and drop it off at the post office. 

In my opinion, this is highly insecure!
I disputed an account with   XXXX   XXXX   XXXX  . The account is closed with a  XXXX  balance. Equifax continues to validate incorrect information.
Dear CFPB, On XX/XX/XXXX I was hospitalized for a procedure at XXXX XXXX XXXX XXXX XXXX for XXXX XXXX operation. My entire stay in the hospital was less than 2 hours and half hour of that was taken to fill out the paper work. The insurance company XXXX did not pay the hospital bill for the following reasons : On XX/XX/XXXX the XXXX XXXX XXXX XXXX wrote to me ( document in my possession ) : you are not responsible for all the related costs. 
My insurance company XXXX XXXX refused to pay the hospital bill ( see Exhibite A ) CMRE a collection agency bought my case from XXXX XXXX XXXX XXXX XXXX and on XX/XX/XXXX received judgement against me to pay them about {$22000.00} ( the total hospital charge was {$14000.00} ). I lost the case because I was representing myself. On the same day I appealed the case and hired a lawyer with name XXXX XXXX XXXX to go to the appeal court in my absence, as I was out of the country. The lawyer missed the appeal court and I lost the case On XX/XX/XXXX, CMRE the collection agency started a motion against me to extend the judgment for 10 more years and claimed total of {$41000.00} including interests. Fortunately the judge discovered that they were wrong in their calculation as they were calculating % 10 interests on the combined judgement and interest which resulted about {$6000.00} over charge and the judgement was reduced the debt to {$35000.00}. This made me think that they have used the same wrong calculation for a lot more people ( this collection agency is a big company ). 

On XX/XX/XXXX My lawyer  XXXX XXXX wrote to them and made an offer of {$5000.00} for the settlement or he would go ahead and file suit againg the medical provider for fraud and negligence. 

CMRE has put a lien on my property. 

As my lawyer missed the appeal court I complained against him to the Bar Association and after 3 years Bar decided to suspend the lawyer license as there were 10 other cases against him. 

I would request that Consumer Financial Protection Bureau for a solution and/or a dialog with CMRE to come up with a settlement agreement so I will be able to pay base on my ability. 

EXHIBITE A There has been inconsistencies and excessive billing which raised questions about the validity of records provided by the hospital. 

The hospital in their appeal to the insurance company did not provide additional information insurance company requested to support the billed services. 

The type of XXXX  was XXXX but the XXXX  orders states that the type of XXXX is XXXX The history and physical states that the patient is currently on no XXXX. However the XXXX XXXX XXXX checklist and XXXX XXXX XXXX states that the patient presently takes XXXX, XXXX and XXXX.
Bayside capital ( XXXX ) threatening me with lawsuit. Lawyer is handling my bankruptcy case and all communications are required to go through them. They should not be calling me.
To Whom It May Concern : My Forbearance was from XX/XX/XXXX to XX/XX/XXXX, to  assist me in keeping my home and modify my monthly payment with a more affordable payment, if possible. <P/>In XX/XX/XXXX, I saved enough money to purchase this house located at XXXX XXXX XXXX XXXX XXXX MD XXXX. I paid my mortgage on time each month starting with my old mortgage company XXXX XXXX which was then obtain by Wells Fargo Home Mortgage. I then got laid off XX/XX/XXXX. I lived on my savings, Severance pay and unemployment up until XX/XX/XXXX, with this income I paid my mortgage on time. I 'm enclosing to letters from Wells Fargo Home Mortgage. each letter said that I will owe a balance but no mention that I would have to pay it up front in order to reinstate my mortgage payment. Wells Fargo is claiming I was default in my mortgage, I became defaulted when they returned my payments in XX/XX/XXXX. <P/>I applied for a forbearance so I could pay other bills and still pay my mortgage because it was explained to me by the Representative an employee, XXXX XXXX of Wells Fargo Home Mortgage that after the forbearance I will get a modification and reinstate my mortgage payment starting XX/XX/XXXX but to my surprise it was not so. I mailed in a mortgage payment in XX/XX/XXXX and XX/XX/XXXX and it was returned. I was refused my mortgage reinstatement so I appealed several times only to be refused. I called HUD which is suppose to help homeowners from become homeless with all those government programs and I was not help by them also. <P/>I am very disappointed since knowing that the government bailed out these banks and they are still railroading honest innocent homeowners like myself so they can have the equity and the house. I feel cheated. I may not know how to explain this but I know I am being wronged. I would like to have access to any and all government programs that would allow me to keep my home and stop my children and I from become homeless. <P/>Yes, my income has changed to a more positive income. I am babysitting for the amount of {$2000.00} per month for XXXX children at {$250.00} per week ( this is sure money ), my mother pays {$640.00} towards the mortgage also. I still have savings in my credit union and I have XXXX tenants :  XXXX is paying {$950.00} and the other {$500.00} per month. I received {$2500.00} a month in child support. I am paid {$1500.00} bi-weekly. I can afford my home. I would do anything to keep my home. Any assistance would be greatly appreciated. <P/>What you as a consumer protection agency do to assist me if Wells Fargo Home Mortgage refuses to correct this problem. <P/>They response to you is that they can respond because they are in litigation for a case that is involve the same issues I 'm having with them. So I would like to be included in that case. Or what will be done by this Office to stop the sale of my home from going any further. Would this office file another case against, I know at least one other person having a similar issue with them, in another US country. <P/>Wells Fargo is a Bully and only know how to steal from honest homeowners.
I sent convergent a debt validation letter on Date : XX/XX/2018 Delivery Confirmation : XXXX XXXX XXXX XXXX XXXX ( letter attached ) for an account listed on my credit report. I received a letter on XX/XX/2018 ( letter attached ) with no attached contract, mutual agreement, or anything that validate the debt they say I owe them.On XX/XX/2018 ( letter attached ) they sent another notice out saying this debt is valid and attached is verification of the debt which they did not provide debt validation.They attached a service agreement that do not have convergent name on it at all.According to Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. I requested validation made pursuant to the fair debt collection practices act and the fair credit reporting act, along with the corresponding local state laws. I requested validation that is competent evidence bearing my signature, showing that i have or ever had some contractual obligation to pay them. They is in violation of fair debt collection practices act ( including but not limited to section 807-8 ) and violation of the fair debt collection practice act ( including but not limited to section 623-b ) The legal definition of verification which requires a sworn testimony under penalty of perjury in other words and affidavit, false affidavits is violation of fdcpa. They totally ignored my request and need to delete this information off my credit report.
I filed a dispute on XXXX XXXX, 2015 about a final payment I made to XXXX. This payment was applied to someone else 's account and after I spent many hours on phone and being put on hold, disconnected etc, XXXX actually expected me to go to XXXX to straighten out their own internal problems. I refused. I filed a dispute to get my money back and 3 months later, I still have not gotten any response from Suntrust. I have chatted, emailed, called, and went into bank telling them my credit was now being threatened by XXXX. They did not care. To date, I have received no response so I do not even think Suntrust followed up with XXXX. I sent form from my local branch which I have proof. I called many times since this time and they just act like I should wait 90 days to expect a start on this dispute. I am now being damaged, credit wise, over this because I am not going to keep paying a bill which amount keeps getting changed and added to anyways. XXXX is now saying the credit due to me for my over charge ( which was final straw for me and why I canceled all services with them ) is now not going to be given so I owe more money than the {$93.00} I paid to be rid of them to begin with. I want to file a complaint against Suntrust and XXXX.
Equifax has failed to properly secure more than enough information needed to steal my identity and left it vulnerable all in one place. After this they failed to notify me of it for 30 days. I have not ever used Equifax directly however they still have all my personal information and have failed to secure it.
I would like to request a security freeze placed on my

Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report
and other furnished Lexis Nexis, XXXX XXXX, XXXX inquiries regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also, future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. 
My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, Oh XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I need Lexis Nexis,  XXXX, and XXXX XXXX to OPT OUT my name and information from all their products and remove the inaccurate information. I will expect you to notify me the results of your investigation within 5 business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute.
There is a bill that is reporting with a XXXX XXXX and it was disputed, they then reported it as XXXX balance and sold it to another collection company a Source Receivables. So the XXXX has hit my credit scores then the Source Receivables hit my scores. Since XXXX is a collection company and not the original company they should not be reporting the account at all because they have not vested interest in it. The Source Receivables is also reporting a new open date and not when the account first became late and never again went current therefore it's re-aging a very old account.
On XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span>, my debit card number was stolen by someone who used it at a XXXX XXXX 2 hours away from my house. I did not authorize this use, nor did I ever lose the card. This fraudulent charge was for approximately {$1200.00}. I immediately called Simple and blocked my card and reported this as fraud. 

Simple granted me a provisional credit onXX/XX/XXXX and initiated an investigation, during which they asked if I had ever visited that XXXX XXXX store ( I had not ) and if I knew a person that they asked about ( I did not ). 

OnXX/XX/XXXXXX/XX/XXXX Simple declared that there had been no error on the account and that they were not going to honor my dispute for this fraudulent charge, and they would be removing this money from my account again onXX/XX/XXXX. I have not been able to speak to anyone in the disputes team to understand why this team found me at fault. 

I have filed a police report and will be sending this report to the Simple team today.
I asked for a modification for my home and they are now wanting to foreclosed on my home with fraudulent documents. I 'm only 4 months behind on my payments.due to a hardship I sent them a QWR and a proof of claim and they have not answered any of my questions. They are attempting to foreclosure on me with fraudulent documents when the mortgage lender is out of business. Please help me. I want my home and I want to stay In in my home. The alleged trust that they deposited loan was outside cuttiff date for the PSA. I have revoked the poa that was filed in the rea estate division of XXXX county.
On XX/XX/2018, I sent a dispute letter to Experian. They never responded to that dispute. I sent another letter on XX/XX/2018 telling them they failed to respond between the 30 days stipulated by law. I called Experian several times and they couldn't answer why they didn't respond to my dispute.
I have a Capital One credit card account. As with my bank atm/debit card accounts ( complaint filed separately ), My Capital One credit card account was hacked. Capital One acknowledges that all purchases that I claimed were not done by me and had credited back my account. They also advised me to stop using the card, which I did, and they would send me a new one. Each time, I could use the card for purchases and then again, other purchases would show up that I did not make. The cycle of fraud continued. 
However, there have been numerous cash advances and cash advance fees that started showing up which I explained to Capital One, not only do I not use the credit card for cash advances and I also do n't even have a pin for using. 
They called me and said that since there is a pin on the account and the phone number used to acquire this pin was one that I knew of ( my son and I were in the car and were about to go to dinner. I had gotten my new credit card and it needed to be verified so he used his phone to call and verified the account, but did not get a pin ). Because of this action, they claim that I know the person who has been using the card to make cash advance withdrawals. 
As of XX/XX/2017 my balance is now {$3000.00}. I have attached statements from both XX/XX/XXXX and XX/XX/XXXX, showing where adjustments were made and then debited back to me. 

They said their fraud protection does not apply to this because they claim they were made by someone I know. ( I feel they do n't want to admit that the system was hacked by someone and they have no way to prove who made these cash advances so they put it back to the consumer - same problem as I am having with my former bank ).
I have begun disputing my credit report with the agency of Experian since XXXX XXXX, XXXX. I have sent over a dozen certified letters of the inaccuracy of the items listed on my credit report. Each time that I have sent my disputes, I was sent a notice back stating they are missing verification of self ( ID, proof of new address, recent utility bill and dispute request ), I sent in all the requested information and provided them with 15 more additional days to complete the investigation, Experian stated the information was verified but have failed to show me how the information was verified. I 've sent notices on XXXX/XXXX/XXXX with tracking number XXXX on XXXX XXXX, XXXX, tracking number XXXX also on XXXX XXXX, XXXX with tracking number XXXX also on XXXX XXXX, XXXX, with tracking number XXXX which was signed by XXXX XXXX XXXX on XXXX XXXX, XXXX. My final notice on XXXX XXXX, XXXX, included all my previous request on fixing my credit report accuracies as well as verify the information listed and intent to file a complaint or lawsuit if the information was not fixed. I received a letter back stating they will not re-investigate my issue. The mass majority of the information that was reported since the start of the investigation has been deleted but continue to report negatively on my credit causing me harm and not being able to approve for certain loans.I have also requested for assistance regarding their recent security breach and have received a report that my social security number has been impacted but Experian is not trying to resolve this and help my credit information stay safe and reflect correct information! Please look into this matter and investigate this company.
After checking my credit report on or after XX/XX/XXXX, I noticed that mcm placed a time bared and fraudulent collection to my credit report named XXXX XXXX XXXX. I made several attempts by contacting MCM by phone to find out more information about the debt. During our conversation, customer service associate could not answer my questions and transferred the phone call to operation manager by telling me that he will be able to answer all my concerns. The operation manager could not answer my questions as well. I told him that this is a fraudulent transaction and requested to remove an account from the credit report or history. He replied that I need to discuss the matter with escalation team. They place me on hold for about 15 to 20 minutes and hang up the line. I do have all conversation recorded as I informed both the caseworker and supervisor. Also, I requested to stop harassing phone calls, and they refused to follow my requests. THIS IS A OLD BARRING DEBT FROM XX/XX/XXXX. I DID NOT RECEIVE A NOTICE OF RIGHT TO DISPUTE THE DEBT. THE COLLECTOR ONLY MAILED AN OFFER OF SETTLEMENT.