WillisBack/dataset-financial-user-claim huggingface dataset:
I have been dealing with this over a year. A copy of my license and social security card along with a check book was stolen. The police in XXXX XXXX can not make a police report. In the past year my credit has been ran multiple times and every time I call Equifax they tell me that inquires are factual data. This is beyond frustrating I keep getting the run around. The FTC tells me to contact the credit agencgies. The inquires that are in question are as follows : XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018XXXX
My mortgage is being serviced through Seterus Inc . They have reported to the credit reporting agencies as a Chapter XXXX bankruptcy. I am not in bankruptcy and have never been late. My husband and I work in the XXXX and can loose our jobs for poor credit and bankruptcy. I called seterus and they told me that it was a debtor mismatch and it would be corrected. I received a letter from them on XXXX XXXX stating it has been corrected. As of my new credit report is it still showing chapter XXXX and now they have the loan as closed/no balance. I have called XXXX XXXX ( the Seterus rep that sent me a letter ) and she will not return my calls. My credit score has dropped over XXXX points in their reporting error and I can not get any help in correcting. My livelihood is at risk, we ca n't move to a new house and I ca n't re-fi my mortgage to get away from them due to their error.
On XX/XX/XXXX, a payment came through to my Bank of America checking account which over drew my account {$1.00}. When i realized this i tried to call BOA for 4 days straight because they notified me that they would add another {$35.00} fee for extended overdraft. I am a college student and in between student loan refunds for the semester so i did n't have {$2.00} to cover the {$1.00} that was overdrawn. In addition most banks give consumers at least 24 hours to bring the account current before adding a fee. BOA added the fee the same day, even though I NEVER signed up for overdraft protection and they could have not paid the charge and rejected it. I attempted to call BOA over the course of 4days, and on XX/XX/XXXX emailed them. If i had spoken with someone from Bank of America, this fee would have been waived and the account would have been brought current, eliminating the need to then charge me another {$35.00} fee for being {$1.00} over drawn. 

To summarize BOA paid a charge on my account without my authorization, bring my total account balance to - {$1.00}, and then charged me a total of {$70.00} in fees, which is predatory and excessive. 

I would like the total amount of fees {$70.00} returned to my account.
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XXXX/XXXX/2017. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter
I bought a car and the loan is from Bank of America, my car was involved in an accident which the insurance company declared it as a " total loss '' but the insurance company refused to pay for my car and I kept making my monthly notes to Bank of America. I fixed the car by myself, it took me 8 months to get it done but the car is now in perfect condition. The problem started when Bank of America reported this account as a 'charged off ' even though I have never missed a single payment and always on time.
Advanced collection was notified in XX/XX/XXXX that they were in violation of Fla Stat 559.715 ( FCCPA ) of the Fla sunshine law. Collector states they " supposedly '' sent assignment letter although they have no proof they ever sent said letter. 
Collector was advised that they had violated my rights by listing the " alleged debt '' on my XXXX n XXXX credit reports. Collector was further advised that said " alleged debt '' was beyond the 4 year statute of limitations to collect on a debt and furthermore collector has exercised no due diligence in attempting to get said assignment letter to myself prior to listing debt. 
Collector did try mailing myself something after being advised not to contact myself on said alleged debt on my second contact. 
Furthermore, whomever has my file violated both XXXX XXXX FDCPA law by uttering the statement " well if you ever feel like paying the doctor let me know. '' This is a harrassing statement as well as derogatory.
we have owned our home for several years. We have been good about not using too much of our equity but we did take out a HELOC on our home. This HELOC now is foreclosing on us. We have applied to keep our home several times, last time being XX/XX/XXXX. My file was closed XX/XX/XXXX due to being incomplete. I have sent everything to ChASE everything they ask for, they would say that they never receive my faxes, give me other faxes and now I am losing my home because of this problem. I was told that my package was complete I thought I was under review, months later when my documents expire CHASE just asked me to resend the package again, over XXXX pages over and over. This is because they never review what I send them, they wait until it expires to ask for more- and now instead of helping me keep my home they wish to foreclose and evict me. I have even tried to do a short sale for HAFA and they are giving my agent the same problems with the fax, they resend things over and over but never can get CHASE to ackn receipt. I do not know what else to do- I often request to speak with a XXXX speaking representative but chase just assigns me to people that only speaka XXXX, I did not understand that I was supposed to resend everything again because it is old now. instead i get a denial
On XX/XX/XXXX. 2018 XXXX XXXXXXXX XXXX  XXXX XXXX ending XXXX approved a balance transfer of XXXX to my Visa credit card ending XXXX as showing in my statement, but never send the money. 
I've been calling and calling answering Please wait 30 days, wait 1 more week and keep waiting.
I have requested information from National Credit System and the original creditor ( XXXX Company ) about the alleged debt but they will not answer my many request. They want let me know when they released the apartment and as stated in my many request I moved out and gave them notice as required by my lease and they continue to try to collect on a debt I dont owe and the alleged debt is past the SOL XXXX.
Received notification that a new account was reported to my Trans-union credit report on XXXX XXXX XXXX XXXX reported a collection that I have no knowledge of. I have never done business with this company before, I also have no contract with this company. 
Never received any sort of documentation in reference to this company. I also called Transunion on three different occasions to rectify this information, was on hold for over 30 minutes and was unable to speak to customer service at any time.
I have tried to resolve this issue with PRA directly to no avail. I am frustrated by their lack of service. There are several inaccuracies being reported by Portfolio Recovery Associates ( PRA ) to all XXXX credit reporting agencies ( CRA ). I have contacted PRA via email and by phone several times to discuss the incorrect reporting and have not been able to have them respond as to why the information is incorrect. See attached initial email, contact timeline and supporting documentation from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 
Since PRA was unable to assist with an explanation, I contacted XXXX of the CRAs and XXXX, in an effort to determine why the inaccuracies were appearing on my credit report. I explained to both what I was seeing and XXXX stated that I should work with the entity reporting to the CRA, ( PRA ) since neither of them may change PRA 's reporting.
I feel like I 'm over paying for my school loan. Unfortunately when I call customer service for help I do n't get any help.
My husband and I have an auto loan through Wells Fargo Dealer Services. The vehicle was in an accident on XX/XX/2017 which resulted in a total loss. The insurance company paid the claim on XX/XX/2017 and the service contract was cancelled which produced a refund being sent back to Wells Fargo. Even with these payments, there was still a balance left due. Prior to the payments being made, I spoke with Wells Fargo in order to set up some sort of settlement. I was told they would not enter any negotiations until the payments were applied to my account. I spoke with Wells Fargo Dealer Services on XX/XX/XXXX on a recorded line to attempt to settle the balance. XXXX, the representative, offered a settlement amount and I asked if it was possible to settlement for an amount about {$500.00} less. He was going to check with his supervisor to see if this was agreeable and then call me back. I called to follow-up on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and never received a response back. On XX/XX/XXXX I received notification that they had reported to the credit bureaus that my account was 30 days past due. My account is not past due, in fact it is about 3 years ahead due to the payments from the insurance company and the service contract. I believe the lack of response from the representative, XXXX, and the reporting on my credit was a willful scare tactic to bully me into paying the full amount due. 
Further, they have been making several collections calls to both mine and my husband 's cell phone. I have repeatedly told them to not call my husband 's cell phone during the day as he works XXXX and it disturbs his sleep. They have called him on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These repeated calls after our numerous requests for them not to call his cell phone are harassing. Also, whenever we are able to answer the call we tell them the vehicle was a total loss and we are negotiating with their total loss department. They tell us we can then disregard the call, however we continue to get called. These calls have all been on recorded lines. 
In addition to these unethical collection practices, they also willfully extended a loan to us which was well over the value of the vehicle and denied us the option to purchase gap insurance. This unethical practice is why we are in the predicament we are in.
I hve had this company report on my an account that I dont have nothing to do with me a collection from a company that fraudulently opened the acct as a result of identity theft they need to close this acct immediately and stop trying to collect on fraud accounts.,!
First Bank refused to give back or honor my Promissory Note created in accordance with XXXX, Federal Reserve Act section 13, 31 U.S.Code 5103, 18 U.S.XXXX 8. This dishonor is covered by XXXX XXXX. The Note was supposed to go to XXXX XXXX it was dropped there by mistake.
On XXXX/XXXX/15 I paid Transworld Systems Inc. for an old military debt on my XXXX XXXX Card for the amount of {$3700.00}. I had a garnishment on my paycheck prior to that and on XX/XX/XXXX {$500.00} was garnished, and again on XX/XX/XXXX my pay was garnished for {$240.00}. I have contacted Transworld Systems Inc for the overpayment and have still not received my overpayment refund and can not get an answer to when and if it will be refunded. I also contacted the XXXX XXXX XXXX card and the balances between the collection agency and the debtor do not match. Transworld has been very hard to deal with and the XXXX XXXX put me on hold for an hour when I requested a manager. I 'm very frustrated with the XXXX agencies and would like for them to contact each other, figure out my overpayment, and refund me immediately, I have paystubs that can verify the garnishment as well as the wire transfer from my bank when I paid the debt off.
In reference with CFPB Case # XXXX company reply. 

I do not agree to Rise decision as since it was clearly indicated that i called on XX/XX/2017 which i was recalled that if i pay the offer of {$1600.00} there will be no late payment on the account which i accepted and settled the account. I would like to have a copy of the transcript of the call recording made on this day. If they could not provide the recording i would like to have the late payment removed on my credit report. Since the verbal promise was not acknowledged.
On XX/XX/XXXX I sent a letter to Experian via Certified Mail Return Receipt ( # XXXX ) regarding an entry from XXXX XXXX XXXX/XXXX  XXXX XXXX on my credit report ( see attached, including return receipt ). 

This was my second dispute regarding this inaccurate entry. 

My letter indicated that on XX/XX/XXXX, I wrote to XXXX XXXX via Certified Mail Return Receipt ( # XXXX ) asking for validation of this entry under FCRA Section 623. XXXX signed for this letter on XX/XX/XXXX but did not reply ( see attached ). 

I enclosed a copy of my letter to XXXX, along with a copy of the return receipt for same. 

On or about XX/XX/XXXX, I received a notice from Experian dated XX/XX/XXXX that indicated they had " previously processed this dispute '' and will not reinvestigate ( see attached ). 

They asked for " additional relevant information, '' which I had already enclosed with my previous dispute, and explained that they had not considered my dispute of XX/XX/XXXX at all. 

This is a violation of the Fair Credit Reporting Act.
I sent 3 letters asking Midland Credit Management to verify XXXX debts that appeared on my credit report because I have absolutely no knowledge or recollection of them. I sent the letters with a tracking receipt. XXXX XXXX XXXX sent me the same letter in response 3 separate times. I am unsure how to proceed with them but I definitely want to clear my name. I do n't think that they are following the law and I wo n't pay a debt that is n't really mine. I 've heard how unscrupulous this company can be and I would someone to investigate to help me get to the bottom of this issue.
I tried to modify payments with Ocwen Loan servicing LLC and got the run around and basically lost my mothers home that passed away. They promised me money to move after taking my deceased mother 's home that me and my brother tried to keep. I feel that Ocwen Loan servicing LLC ripped me off and stole my mothers home that she wanted us to try and keep.
XX/XX/2018 I am not a customer and attempted to take a check that is one of their customers to cash it. I was told I had to pay an {$8.00} charge. I paid cash to the writer of the check for a service that was not rendered, I was refunded. Why am I now having to pay {$8.00} to get the money back I paid. I didn't charge anyone {$8.00} when I handed them my CASH. They proceeded to discriminate against me bc I am an XXXX XXXX Trump supporter  and told me they would not waive the charge even though they were debating it. Then they called the police without asking us to leave and said we were trespassing. Why are they allowed to abuse public services like this, they were not threatened, they did not ask us to leave, it is an abuse of civil services. I am a tax paying citizen. The bank is not entitled fees to MY cash when I am not paying for their services. I did not choose Bank of America and I would NEVER PAY TO USE THEIR SERVICES. They discriminated against me bc I am XXXX XXXX and did not provide me the same service they would any other individual.
In XX/XX/2017, I began to dispute accounts on my credit report as included in my Chapter XXXX. Most of my accounts were updated properly however, I continued to have a few accounts that were not corrected. One account, in particular, would not update correctly as included in bankruptcy. It continued to update as a collection account after filing bankruptcy. I filed Chapter XXXX on XX/XX/2017. As of today, XXXX XXXX is included in the bankruptcy and the account is closed. However the reporting is still incorrect, the date on the report reflects as a recent status update and is incorrect. All of my other tradelines are reporting correctly and the activity date never changed but this one did and is report erroneous. Please change the activity date back to the original date of bankruptcy filing. The date on my report is incorrect as it was not a collection account at the time of that update.
XXXX XXXX is reporting a debt balance of {$760.00} on all XXXX of my consumer credit reports. This debt balance was supposed to have been paided by XXXX when I switched from XXXX to XXXX in XXXX 2015. The debt balance was supposed to have been paided by XXXX as part of their Cut Your Bill in half advertisement. XXXX stated in their Cut your bill in Half promotion that when you switch to their company from your old cell phone provider that would pay the remaining portion of your prior bill. XXXX has not paid this balance and XXXX is reporting this balance to the XXXX consumer credit agencies. Since XXXX has not paid this balance then they are lying in their advertisement.
My credit report was listed as part of the 143m credit reports that were affected in the Equifax breach reported yesterday. 

The company has admitted to the breach and started that they " deeply regret '' the occurrence. I believe that they knew about this well in advance of the announcement, and their gross negligence in identifying the breach is nothing short of criminal.
Fraudulent charges were made on my Macy 's card XXXX 2015. Despite repeated phone conversations and documents filed, the Macy 's credit department continues to treat us as deadbeats, and they call us repeatedly for payment. Each time we talk to the fraud department, they claim they have no knowledge of our dispute. This week marks the third time we have sent in a fraud claim form.
Sent request for verification. Never received information back. But received notice that they were going to put this on my credit report.
I have an auto loan with gateway one lending and another with a different bank and the payments are 5 days apart. so I split the payments and pay both every two weeks. I noticed my payments were n't going to the principle so I emailed asking why. I get a response, to me seemed very rude and sarcastic. I then made a partial payment like I always do and the following day I started to get calls saying I need to make my payment. I again emailed them in a stern sense saying they just too a payment and they clearly know what I 've been doing for the last few months. did n't hear anything back until I get a voicemail of a lady talking to someone saying, I guess we can scare her into making her payments, even then that wo n't help. she then called back again and I told her what I heard. she had no problem getting a manager. the manager got on the phone and to me seemed to down play it, oh, well we do n't do that here, im sorry. but still insisted that I needed to make a payment on post date one. he took off late fees and did n't charge me the 10 dollar over the phone processing fee and said he would email me my transaction and if I have any other concerns to let him know. well, I have n't gotten that email yet. this is disturbing to me that they feel they need to talk XXXX about a client to another associate. they always get their money. I bought the vehicle XX/XX/2016 and it 's a year later and I 've barely knocked XXXX off the loan. my payments are XXXX a month.in 12 months that 's XXXX dollars and if you took that and split between principle and interest that 's still XXXX dollars. it does n't add up to where my money is going. Im trying to build my credit back up and this company is hurting me. they report to the credit company everytime I 'm late. It just does n't sit well with me, I have to wonder, when they call am I going to be threatened. not to mention they call before XXXX, they will call me 2 or 3 times then call my husband while at work. now I have to worry, if I make a payment is it going to the right thing, are they going to send sone one to come get my truck, because I making a partial payment twice a month is n't good enough or are they going to leave another threatening voicemail. please can someone help me?
Middlegate Funding is such a rip off and I would n't suggest anyone go through them because of the pain, harassing you and your broker and saying that I am a thief for borrowing money. They are not registered with XXXX and am going to take action with the FTC. They act all nice and sincere when you first call them, then the moment they wire you the money for a transaction they start changing there ways and treat you like XXXX. Middlegate Funding owners are XXXX XXXX and a person named XXXX, they act like they have 50 people working for them but in all honesty it 's just them 2. They will have you convinced of an interest rate and then all of a sudden after receiving the money they will charge you more interest then indicated. Remember people are borrowing money for a reason, because of numerous financial reasons, so they know you do n't have the power to go after them. If you start negotiating a settlement they will say yes but then say now you owe me more for all other fees they make up. Bunch of scam artists and they claim they work with numerous real estate companies but in reality they have no one! We would love to have more complaints to file a class action lawsuit against them and get other stories from those that borrowed money from them at one pint or another or been through other horrible situations with Middlegate Funding.
CMRE. XXXX XXXX. {$150.00} Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
On XXXX XXXX, 2015, I provided notice to citibank that a vendor charged my card without authorization. To date, the complaint remains outstanding. Last week, I was told an investigation had not even begun. Between XXXX XXXX, 2015 and the date of this complaint, I have contacted citibank by e-mail, by phone, and through their online secure messaging system - yet I still do not have resolution to this unauthorized charge.