WillisBack/dataset-financial-user-claim huggingface dataset:
I recently obtained a copy of my credit reports and noticed that Medical Commercial Audit has added a collection account that is not owed on Acct # XXXX. That was paid prior to being reported and is now reporting on my credit report which is unfair collection practices. This company is also reporting inaccuracies such as last payment date and date of first delinquency Please delete and remove this account # XXXX from my credit reports.
Diversified Consultants Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Re : XXXX This letter is sent in response to a negative entry on my credit report posted by your company. 

I have not ever received notification from you regarding this debt as required by the Fair Credit Reporting Act ( FCRA ), Notice of Negative Information Provision Which is Part of the FACT Act 623 ( A ) ( 7 ). 
I was only notified of the debt and the account number with your company from a lender that requested my credit report. 

I am requesting that you provide validation of this debt and that you immediately remove this negative mark from my credit report as I was not notified as required. 

If you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the Colorado Attorney Generals office. 

Civil and criminal claims will be pursued. 

Sincerely,
I was notified by OCWEN that my property taxes had not been paid. I called the company and explained to them that I was not required to pay taxes due to a new law passed by the governor. I provided them with all the paperwork and documentation via email @ XXXXXXXXXXXX. I did n't hear from them about the issue therefore I called and spoke with someone. I was informed that nothing had been done with the paperwork. The rep indicated the issue was going to be escalated up. When I called by a few days later I was told that they spoke to my assessors office and they were told that I was not fully exempt. I then provided them with my tax bill from the assessor office that showed I had a XXXX balance. OCWEN has requested a refund but still requires me to pay and escrow.
Capital One contacted me by telephone, leaving a recorded message about my credit card. They asserted that fraud was involved with the card and that they were replacing it. When I called and asked about the issue, I was told " everything was fine ''. I asked to speak to a manager about what had happened. I received no more information, other than that they were investigating fraud. 
After a month, with no explanation forthcoming, I called Capital One on XXXX XXXX, 2015. Again, I got no answer, despite talking with a manager. He said they were " investigating ''. I asked what they were investigating and got as a reply " a data breach ''. When I asked where, I got no response. 
Either the card is very insecure and, the company 's actions are questionable, or there is some major issue involved that the firm is hiding. 
Please help me find out what is going on.
I am writing your agency because I did a complaint previously in here regards some charges on my Capital One card, case #  XXXX , about  XXXX  disputed charges from the merchants  XXXX  and   XXXX   XXXX  . I got a response and it says that the merchants responded to the dispute notice and based on the information they received, the merchant 's decision not to honor my refund request appears consistent with the terms and conditions the merchant makes available to consumers in connection with the purchase at issue. In resume they denied because they are saying they sent a copy of the merchant 's cancellation policy, the point is if they DID NOT provide the services that I paid for, then none of this cancellation p olicy matters.They calle d me unsolicited, pushed me their services as needed and now they did not deliver it. So I am looking for my refund as they were incapable of do the work that I paid them to do it. The reason why I started the dispute is because the services were not rendered by the companies, I did authorize the merchants to charge my card, but I did not receive the services that I was led to believe that I paid for. They made me a bunch of promises and they did not fulfill with their end of the deal. I am very upset because my bank is not even trying to understand my situation. I tried to open a dispute right after the charges and it seems like they are ignoring the fact that I got scammed by these scam artists. All I am asking is the chance to open a dispute. I tried to resolve with the merchants but they do n't respond my calls. All I want is my money back. Even if they tell me they did work for me now it is too late, since after I paid them I could barely get in touch with them or get any straight answer from anyone.
On  XXXX - XXXX -17 I paid my capital one credit card in full by doing a bank transfer from my capital one account to the capital one credit card.
The amount that I put in to be paid was {$1400.00} to pay the balance in full. I distinctly remember this as the bank screen had a small pop up that said the balance is higher than my usual transfers ( {$350.00} and {$200.00} the norm ). The sum was correct. I submitted payment.
Today I got an automated notice saying my account was below the {$100.00} balance that triggers an automatic notice.
I went online and saw that capitalone debited my account {$14.00},  XXXX . I immediately went online and contacted their help department. The bank is now refusing to credit back the funds. My account is completely in the negative because of an error they did. Capitalone is telling me that it will take anywhere from 10-45 business days to investigate the matter. This is a error on their behalf that should take no time to correct as it is all Capitalone banking & credit card. I do not need a $   XXXX   credit balance on my card and have numerous items that automatically debit from this account. The time they want to take for an error they created is not acceptable.
Pacific union Financial is asking security questions I never was ask to answer and after XXXX attempt your locked out
I have received XXXX phone calls on my cell phone, all threatening to take me to court and garnish my wages. My relatives have received XXXX phone calls at their home stating that I am legally in trouble. My employer has received XXXX phone calls on his desk phone stating I am involved in a complaint and am legally liable if I do not call back. All of these phone calls have happened in a matter of XXXX business days. All phone calls have been from a XXXX XXXX, I have spoken to her XXXX time, in this conversation I asked her to send me documentation to verify that I owe this debt and XXXX XXXX 's response was that she would send me a letter after I paid the debt. I asked for their mailing address and she hung up on me. After this phone call XXXX XXXX started calling my relatives and employer, I also received a call from XXXX XXXX stating that I have a complaint filed against me, they seem to be from a company called STP Management. Further investigation on my part shows that their phone numbers XXXX and XXXX are associated with fraudulent shakedowns and illegal debt collecting practices. STP Management is listed as an F ranking on the XXXX and is currently being investigated by them.
on XX/XX/XXXX my husband and daughter traded in her XXXX XXXX to XXXX XXXX dealership. On XXXX XXXX XXXX XXXX sent a payoff check to XXXX XXXX to pay the loan in full for the trade in. To this date, XX/XX/XXXX, this loan has still not been paid off! This has resulted in late charges, extra interest accrual as well as HARMFUL credit reporting on my husband and my daughter and has already affected both of their credit scores. I have called both XXXX XXXX and XXXX XXXX multiple times. I even went to XXXX  XXXX and they did show me copies of the XXXX XXXX  and the check that was sent to XXXX. XXXX  was very rude and unhelpful and kept collection calls coming in. I asked them to notate their system MULTIPLE times and all they kept telling me was to keep making the payments if I did not want out credit affected. I did not have the money for that and also did not feel that was right to us as customers. XXXX XXXX called me in XXXX, I do not recall the exact date and told me the car was in jeopardy of being repossessed. I have explained to them over and over that we did not have the car any longer. I called XXXX XXXX today and was told they had to stop payment on the original check and send a new one which should have been rec'd yesterday by XXXX. I do realize it was the holidays and things are slow but this is my husband and daughter's credit and also a lot of stress on us and on my marriage. I feel XXXX is totally incompetent and keeps losing these checks this loan will never get paid off. I also do not have trust in them to correct our credit if and when this loan is ever paid off! From the last statement rec'd on XX/XX/XXXX they were asking for XXXX and had as at 3 months due. My daughter was never late on her car payment not one time the whole 2 years she owned this car! she is XXXX and had a credit score of XXXX before all of this nonsense! she has now been alerted by XXXX XXXX that her score has dropped. I want these people to be held accountable for all they have put us through! we should not be punished for buying a new car.
Hello, I keep getting calls from Enhanced Recovery Company even after I spoke to them and told them to stop calling me and that they are in violation for putting a debt that 's over seven years old on my credit report. I disputed it with XXXX in which they stated that there was n't an entry from Enhanced Recovery Company on  my report. Yet I see it on my report. Enhanced Recovery Company bought the debt and put it back on my report in XX/XX/XXXX showing an estimated month and year removal of XX/XX/XXXX. This debt is past the statue of limitation and I want them to remove it or I will be looking in filing a lawsuit against them.
This is a second request to Bank of America, N.A. but this time to XXXX XXXX XXXX XXXX XXXX XXXX XXXX has failed to answered my requests ). I've sent 2 letters in regard to Tax Forms I need to file my taxes. 

Note to CFPB : This is not a duplicate request. This is another set of Tax Forms I need.
TransUnion indicated an 'alert ' message on one of my credit cards showing my Credit Score had gone down. In reviewing my credit report from TransUnion on XX/XX/2018 I noted a report called XXXX XXXX # XXXX with a balance and delinquent charge of {$47.00}. 
I have no idea what this is about nor have I received any information from XXXX XXXX. 

This account must belong to someone else or my own account has been hacked. Please help me to resolve this issue. Thanks so much. Let me know what I need to do.
Thanks for help, the thing is i had this credit card from " XXXX XXXX XXXX '' and i paid off and asked to close it long time ago and it was disappeared from my credit report long time ago, from about one week ago i found my credit score went down because the credit card company reported that this card paid full but in late then i found the credit card appeared to be open which is totally odd so i am asking for help please thanks
I disputed inaccurate information to equifax in regards to my payment history with an auto lease ( XXXX ) acct # XXXX. I have never paid this account late. I just received a response that the disputed is finished and the results are ready to view. This information is still wrong. It is showing as paid as agreed with no past due but have negative remarks reporting on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX with a status code of XXXX on each month. This is wrong as the status codes should be removed. I 've disputed it with the other XXXX credit reporting agency 's and so far XXXX credit reporting agency has corrected it and removed the status codes. I am submitting this complaint to the cfpb because I ca n't get through to equifax and keep receiving the same response. This information is incorrect and I am complaining about it because it is affecting my credit score in a negative way. These XXXX negative code remarks should be removed. I was never late in paying this account.
Credit Acceptance lied on several occassions 1 ) Stated dealer would cover repairs XX/XX/18 phone call 2 ) Not mechanical issue and wear and tear my problem even though car sold in such poor condition and unsafe. 

3 ) I never contacted them see response XX/XX/18 by credit Acceptance and my attached phone log. 

4 ) Lied in second response on when diagnostics received and requested and asked I send via a unsecured network. XXXX email address provided and diagnostics sent. Was told after sending that network not secure. 

5 ) Car would not have purchased if a warranty wasnt provided and again warranty had no pre exsisting clauses and implying I had knowledge of issues is also untrue. Dealer agreement with Credit Acceptance reguarding implied warranty being overlooked by Credit Acceptance for this case. Is online to see. 

6 ) Last response lied and all capabilities to get information on account status, payoff suspended right after submitting a false respone that is available and current. 

7 ) Calling Customer Service and they refuse to answer any questions requarding account and said will only send letters. 

8 ) Stated polies and procedures to prevent high mark ups in place but failed to state what and provide system uses to have prevented. Link attached 9 ) Contract never provided and on camera at dealership 10 ) Company retaliation, harrassment for fililing 11 ) States Credit reporring correct and no proff and XXXX XXXX isnt accurate? It is updated in seconds and very accurate. Still mis reporting credit balnces and major increases and decreases prior to any payments. Refusal to update recent payments or discuss.
A medical bill, paid by the VA in XX/XX/XXXX, was sent to collections in XX/XX/XXXX. I was never responsible for this bill and I never released my social security number. Collection was filed in XX/XX/XXXX against my social number. I never received any written communication from the private medical facility. This came to my attention a few weeks ago, when denied credit, based on this collection. The bill was the responsibility of the XXXX XXXX VA and they paid it in XX/XX/XXXX. So how did they get my social an why file a collection when the debt was paid. Identity theft and fraud.
Nelnet changed the monthly repayment amount on the standard repayment schedule for my federal student loans without notifying me of the change. The amount increased from {$330.00} to {$530.00} and first occurred when Nelnet auto-debited my account on XXXX XXXX, XXXX. Aside from the monthly payment reminder that I received via email on XXXX XXXX, I received no other notification that my standard amount had changed. I called on XXXX XXXX asking for clarification and was told that they had sent an email and a letter to me in XXXX. Having experienced other communication issues with Nelnet in the past, I keep organized records of all correspondence I receive from them and have no emails or letters matching what they described. They responded that the letter had been sent and that I must have lost it.
I contacted the credit bureau  ( s )  and inform them that the information/account number being reported by Bank of America is not my account, please remove, and have Bank of America provide a sign contract with my signature. With the the loan number being reported. The information was not removed.
There are 3 credit collection companies reporting duplicate credit accounts on my credit report. I have challenged several of the accounts and they are initially removed, and then placed back on my report sometimes several more times. The three companies involved are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and Debt Recovery Solutions , LLC. 

The first account is owned by XXXX XXXX for a balance of {$700.00}. This account appears on my XXXX  report four separate times. The dates the accounts were opened are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This company is fraudulently reporting the same account multiple times for a total of FOUR delinquent accounts for one debt. 

The next account is owned by XXXX XXXX for a total of {$480.00}. This account appears on my XXXX account twice with opening dates XX/XX/XXXX, and XX/XX/XXXX. This same account also appears on my XXXX report 3 separate times with opening dates XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This company is fraudulently reporting the same account multiple times for a total of TWO and THREE delinquent accounts for one debt. 

The next account is owned by XXXX XXXX for a total of {$660.00}. This account is reported on my XXXX report FOUR times with opening dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This account also appears on my XXXX   report FOUR  times, with the same dates. This company is fraudulently reporting the same account multiple times for a total of FOUR delinquent accounts for one debt. 

The next account is owned by XXXX XXXX for a total of {$440.00}. This account appears TWO separate times on my XXXX report. The opening dates on this account are XX/XX/XXXX and XX/XX/XXXX. This same account is reported on my XXXX  report TWO MORE TIMES by Debt Recovery Solutions , LLC with opening dates of XX/XX/XXXX and XX/XX/XXXX. This account appears to have been initially owned by Debt Recovery Solutions and was sold to XXXX XXXX however both companies are continuing to report the account and both companies are reporting the same account twice for a total of FOUR delinquent accounts reported for one debt. 

The next account is owned by XXXX XXXX for {$400.00}. This account appears on my XXXX report THREE separate times. The opening dates on this account are listed as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This company is fraudulently reporting the same account multiple times for a total of THREE delinquent accounts for one debt. 

And the final account is for a total of {$240.00}. This account appears on my XXXX  account under XXXX XXXX TWICE with the dates of XX/XX/XXXX and XX/XX/XXXX. This same account appears a third time on my XXXX report listed as XXXX XXXX for the same total with an opening date of XX/XX/XXXX. These are all three clearly the same account. These companies are fraudulently reporting the same account multiple times for a total of THREE delinquent accounts for one debt. 

I've attempted to challenge these accounts, but as I stated, when I challenge the account they just add it on to my credit report for a third, fourth, or fifth time.
Back in XX/XX/XXXX I was connected with Movement Mortg and the Loan officer XXXX XXXX which i dealt with took my loan processing all the way til 2 weeks before closing which at that point i had paid {$270.00} for pre-purchase inspection and also paid {$500.00} for home appraisal and then he stopped everything cause previously I had claim bankruptcy including a property that i had and because of a date that XXXX XXXX XXXX removed our names off after i was discharged from the bankruptcy, the reason for bankruptcy was my husband had XXXX and could n't work for over a year, at that point XXXX stated that i can pickup the process and no problem should happen come XX/XX/XXXX, so at the beginning of the year I was introduced to XXXX XXXX, with her it seems that i was given the round around, she had stated that to increase my credit score to qualify, i would need to pay off my credit cards which i did and it cost me another {$430.00} and for what? nothing, she just told me that my debt ratio equals my income?? I was promised and given the run around twice. The only way that I can get approved now is if i have a co-signer as per XXXX, ater this she emailed me that she gave my file to someone else, which is un-professional even when i told her to keep my file open to see if I can get a co-signer. I feel that i was taken advantage of and lied, if I did n't qualify, i should of been taken as far as I was taken, this has cost me XXXX and money!
On XXXX XXXX, I was aware of the collection from Cbe group. Which is a collection company for XXXX XXXX XXXX from what it says. I 've never have XXXX XXXX XXXX my identity was stolen. I 've filed a police report so I would like this removed.
I am currently repaying a student loan to American Education Services and XXXX. I am unemployed, living in California, I am currently unable to afford my own housing and I receive food stamps from the state which is proof of my not having income. I am looking for work and have not found any and I am in desperate need of assistance to have my private student loans placed in forebearance while I find work. My student loan payment from XXXX has not been paid and XXXX will be due this week. I will own AES nearly XXXX dollars which is more than I receive in unemployment benefits in one month.
I received a notice that I owe {$510.00} on a XXXX which I do not. I have disputed with nothing being received. Please help
I have a mortgage loan with Pacific Union Financial LLC. This was a VA loan that I closed on in XX/XX/XXXX. I called XXXX XXXX customer service that following year in XX/XX/XXXX to ask them to increase my escrow amount given that the first years taxes were on my land value only and did not include my improvements ( my property ). I had an estimated bill from my county that showed the new escrow amount but they would not allow the increase. I then asked if I could send them extra funds so that there would be a sufficietn amount in escrow to pay taxes at which time they stated that any extra money would be applied to principal only. Given this outcome, I was forced to wait until XXXX XXXX paid my taxes at which time my account is now in the negative {$3000.00}. 

On XX/XX/XXXX I recieved an escrow analysis detailing this event and was given two options : 1. Do nothing and my mortgage increases to {$2700.00} from {$1900.00} and 2. Pay {$5500.00} and my mortgage payment increases to {$2300.00}. The problem with either scenario is that XXXX XXXX is requesting I overfund my account by over {$2500.00} dollars ; money in which they will have to return to me within 30 days according to 12 CFR 1024.17 ( f ). I called XXXX XXXX on two occasions to ask for a reanalysis and on my second call I spoke with a supervisor XXXX ID # XXXX. XXXX informed me that she understood the law but stated that it is XXXX XXXX 's proceedures to have a " cushion. '' I again explained that it is against the law for them to keep a surplus amount above the amount for my taxes and insurance needs and need the mortgage amount changed. XXXX explained that this could not happen. I then asked XXXX what would happen if I paid the {$3000.00} decficit then paid {$2300.00} and she stated that would be a partial payment and my account would be in default. Please note, my principal and interest payment is only {$1800.00} a month.