WillisBack/dataset-financial-user-claim huggingface dataset:
I have been receiving unsolicited phone calls from a company called Diversified Consultants that does not identify itself. They contact me using different incoming phone numbers and never leave a message. After doing reverse phone look-ups, they appear to be some kind of " Commercial Recovery, Self-Service Technology and Pro-Active Outbound '' agency. I have not received written notification via the US Postal Service or email as far as why they keep calling me. I do not owe money to anyone personally or commercially and I am not interested in self-service technology or pro-active outbound activities. One website states this company focuses on telecommunication debt. Huh? I have cell phone, landline phone, internet and TV service that has never been cut off due to unpaid bills. 

I want this company to STOP the harassing phone calls to my personal cell phone. 

Dates and times of the unwanted calls : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not able to retrieve previous phone calls from this company on my cell phone. This company will not stop calling even when I block their various incoming phone numbers.
A late fee that was incorrectly applied to my account on XX/XX/XXXX. I called Ditech and they explained that customer service had no authority to issue late fee credits but I could Fax a letter to XXXX do dispute the fee. I sent a letter ( attached ) to this fax on XX/XX/XXXX to address this issue. I never received a reply.
On XX/XX/XXXX, I called Ditech customer service to ask why the late fees were not credited ; the answer was that the request was denied. I was given no explanation except as to say that it was part of my contract and the company policy was not to give credit back on late fees. I asked to speak to a supervisor. I was told no supervisor was available but one would call me back. I insisted and asked to wait on the phone line. Eventually I was given a supervisor named was XXXX # XXXX. I explained why the fee was not justified but it was clear that XXXX XXXX was not interested in resolving the issue. I asked my recourse and was told that I could fax my dispute to XXXX. I explained that I had already faxed a dispute to that number. I that point he told me that it was never received. ( Attached is the fax receipt log verification ). He went on to explain to me that I signed a contract that authorized the late fee and offered to send the contact. ( Which he sent by mail ) He further explained that the fee would stay on my account and if it was not paid, then the note would not be release when it was eventually paid off. He also went on to say I will get the same answer at Ditech from anyone else. Clearly Ditech has a policy to enforce the late fees but what is not clear is that they are doing it based on the contract. My contract clearly states that the payment is the principle and interest. See Section 3 ( A ) The Note does not mention the escrow fee as part of the payment. Conflating the escrow payment and the loan payment into the same payment is clearly a Ditech policy. The contract does not authorize them to charge the late fee on the escrow. See Section 7 ( A ) Ditechs policy is unfairly collecting fees from consumers that pay their mortgage payment but are short on the escrow account. Instead of booking the mortgage payment and booking the remaining funds in the escrow account, Ditech puts the funds in a suspense account thereby creating a late fee. In my case, my escrow account was substantially funded and in no risk of being short for the next disbursement. Ditech has no authority to collect the late fee of {$58.00} in this circumstance.
Ditect should credit my account for the late fee and stop this practice of creating late fees with a suspense account.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
BK OF AMER XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
A previous complain was submitted and I asked  Wells Fargo to waive double fees charged on my account, fix error on my transactions and they responded that my checking account has a high credit of waived fees. I was n't talking about my Checking Account, I am talking about my Saving  Account which is currently overdrawn.   They have n't waive any fees on my  Saving Account. A check was misplaced by the Bank. They canceled it on my checking account and deposited on my Saving Account after have it deposited on both accounts because they did n't giv e me available balance for it. I used the check balance from my checking account and they took that used money from my checking account twice and transferred it to my saving account causing its overdrawn, meaning they took the money from my checking and also from my saving account, canceled the check deposited on my checking which was the place I used the money from and took money from my saving account also for that same check.   They also charged me fees for transferring available balance on my saving account to my checking account. {$35.00} dollars fees were accessed because I transfer money and they overdrew my account after that charging me fees for the previous transfer.   They removed my Saving account from my online account and now I ca n't give you proof because they are smart and sneaky and removed me from online access.
On XXXX XXXX 2014 someone placed a security freeze on my account without my knowledge. 
As you might imagine I had issues straightening this whole mess out and rebuilding my credit. XXXX says they picked up the report from Equifax, Equifax denies this and so forth. 

I asked Equifax for the police letter which must be on file to freeze credit. They have denied me a copy, then refuted their own position and told me it was not a freze but a fraud alert. 

Until I get to the bottom of this massive inconvenience I 'd like to keep all alerts as they were so I may discern if law enforcement ( XXXX ) wrote their own letter without my requesting it. 

At th same time XXXX XXXX ( then owned by XXXX ) Cancelled my service because they have the right to do so for no other reason but they can- XXXX XXXX XXXX of XXXX XXXX corporate office prepaid division. The number on my credit reports was the old number so when companies called to verify the freeze/fraud they got a wrong number. 

These series of events may be coordinated in order to create havoc in my life but to also discredit me in a case with XXXX.
I borrowed a *single* loan with One Main Financial for {$4900.00} that originated on XX/XX/XXXX after interest charges were added the payoff amount would then become {$7.00}, XXXX for a *single total payoff, in which I agreed to pay. I paid the loan off in full in XX/XX/XXXX. Upon paying it off One Main Financial gave me a receipt stamped *paid as agreed*. Shortly there after I needed to have my credit pulled to rent a home and what I found on my credit report was One main financial the loan originator took what should have appeared on my credit report as a *Single* account and they reported it as *2* accounts with *2* different account numbers showing one with the amount I borrowed {$4900.00} as *paid/XXXX* balance and the borrowed amount along with its finance charges which made the loan a total of {$7.00}, XXXX yet this was reported as a second account with the payment status reported as *paid, was a chargeoff*. I went to the local branch office I took the loan out in and asked why had they reported my single loan as two loans as well as why the payment status was reported it differently. I explained how it was effecting my credit score and the One Main Financial representative just said " We only have one closed account in our system for you and they didn't know why it was reported that way. '' My first thought was that someone in there office took an additional loan out in my name but after I had located the payoff paperwork I realized what they had done. I went back to there office but again they wouldn't help me. I tried disbuting it with the credit bureau but found no resolve there either. So I contacted One Main Finacial head quaters to express my grievances and frustration with the falsely reporting that was done and I was met via phone with a rude and disrespectful agent. Who basically told me so what I can't do anything about it. Then she told me to send here proof of the inaccurate reporting on my credit profile and they would correct it if they made that mistake but she was sure they hadn't. So I sent a copy to them and well needless to say its almost XXXX and it still affects my credit raiting.
CEASE AND DESIST COLLECTIONS ON FRAUDULENT DEBT AND REMOVE ALL CREDIT REPORTING AT ONCE OR BE SUED.
I am being repeated contacted to pay a debt that is invalid. Dynamic recovery solutions is claiming I have an outstanding debt that is over 9 years old and completely invalid. They can provide no documentation that I have incurred this debt, but continue to harass me.
TransUnion continues to violate the Fair Credit Reporting Act willfully by not removing an erroneous Tax Lien showing on my personal credit report. I have written them by US Mail twice and they still fail to address the situation. I have contacted the IRS and they have informed me the best step is to file a Lawsuit to have this erroneous tax lien removed from my credit report. 

This is causing substantial harm to my credit report and yet Trans Union continues to violate the Fair Credit Reporting Act. 


XXXX XXXX XXXX
Experian, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Mr. XXXX, in 30 days and or til date, despite Mr. XXXX repeated requests. Second, Mr. XXXX requested Experian to provide the method of accuracy & verification used by Experian pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Experian remains non-compliance till date. Third, Mr. XXXX requested Experian to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Mr. XXXX Hence, Experian again went silent.
On XX/XX/XXXX my vehicle was rear ended and claimed a total loss. I received the first payment on the loan three months after initial hit. The driver was not inssured to the level that needed to pay for my car. I halted payment as I had both been paying for GAP insurance as well as had full insurance with my provider. I tried communicating with Chase and halting payment. Really hurt my credit while I waited for payments to be made.
A complaint has been submitted to the CFPB regarding the lack of support from XXXX XXXX. I have recently been of victim of some type of scam involving both of my CapitalOne credit cards. I spoke with a representative from the Executive Office from Capital on XX/XX/XXXX and advised I would be able to provide any documentation that is needed showing I only made payments from my XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX accounts. The payments were just made through the mobile app that is provided by the Institution. The Institution advise the payment were made through a XXXX XXXX  account in which I explained the situation numerous times and filed a police report ( see attached ). There has been no communication for the past month regarding the issue. 

XXXX XXXX needs to be put on notice there must be some kind of fraudulent activity plaguing their Institution. I just received an instant message from someone on social media on XX/XX/2018 ( please see attached ) stating they work with an Insurance Company for XXXX XXXX. This is the same information that is depicted in the attached police report at the beginning of XX/XX/2018. 

CapitalOne has a practice if the payment is made with an account other than the owner, the payment will not be accepted. I know this because CapitalOne contacted me when I paid a bill for my child 's aunt.
Twice I have been charged interest after paying my balance in full. I have called XXXX times and had the charges reversed but I am afraid people that do n't go over their bills carefully are being charged in error.
Our Bank of America account XXXX reported a charged-off balance owed of {$4700.00}. After numerous attempts to have this removed legally, we decided to pay the reported balance owed. On XXXX/XXXX/2016 we received confirmation # XXXX from Bank of America for payment of debt. I havre also retrieved the cashed check showing the debt paid on XXXX/XXXX/2016. However, the XXXX credit bureaus of XXXX, XXXX, and XXXX are not reporting this account correctly. The account should be reported as {$0.00} balance PAID IN FULL account closed. However, for example, XXXX will no longer allow me to dispute this account because of past attempts to resolve it. This is in direct violation of my rights as a consumer and the Fair Credit Reporting Act, 15 U.S.C. 1681 ( " FCRA '' ). The account needs to be reported correctly by all three reporting agencies so that I can move forward with my life now that this 6 year issue with Bank of America has finally been resolved.
On XX/XX/2018, my daughter attempted to withdraw {$200.00} from a XXXX ATM XXXX XXXX XXXX XXXX Texas from my American Express Serve, prepaid card. The ATM displayed several error messages like card reader issues. Her last attempt she stated the machine made sounds as if the money was transmitted, however the cash never dispensed. I contacted American express and initiated a dispute. I faxed the required documents at least twice within the ten day time frame. On XX/XX/18 American express completed their investigation stating the ATM confirmed the withdrawal. On XX/XX/18 while using the same ATM the machine displayed the amount requested of {$500.00} was too large, I then requested {$400.00} and the same message appeared. I lowered my request to {$100.00}. The machine made sounds as if the money was dispensing. Took longer than normal. Finally a message appeared on screen stating they could not dispense the cash and to contact my bank. I contacted American express again regarding both transactions and I am awaiting response. I attempted to contact them on the first dispute but their automated phone system continued to drop calls. I also requested a copy of their investigation report and have been refused that copy.
There is a business credit card with Chase ( it was a MasterCard, then Chase converted it to a Visa despite the company 's objections ). Several times a few years ago, Chase confirmed via its Secure Message Center that I am not personally liable for this account. Despite that, they are reporting negative information about that business account on my personal credit report. I've told Chase about this, but they will not have this information removed from my account. They should have a record of the messages ( I think they were from 2015 ) in their file, so there is no reason why they should make these mistakes. It's dropped my credit score from well over 800 to being in the 600 's. After complaining to a manager or supervisor, Chase  promised me on a recorded call ( and in a written response ) that they would pull all secure messages from my archive and provide them to me. I have that in writing and can provide that to the CFPB upon request. They now are ignoring this issue and claim that they can not get the messages they promised to me. Moreover, they confirmed that they do not have any signature of mine or anything verifying my identity for the opening of this account that supposedly was done using my social security number. There were other instances of fraud where they changed this account number, and they have no proof that I opened this account or that I ever agreed to be personally jointly and severally liable for it. Accordingly, they should take this account off of my personal credit report. Chase should remove the reporting of this account from my personal credit reports ( XXXX XXXX, XXXX, etc. ) and handle this with the company whose charge this belongs to. Chase should also compensate me for the damage it has done to my previously impeccable credit report.
XX/XX/XXXX - Initiated Short Sale with XXXX XXXX. XX/XX/XXXX - Spoke with XXXX to winterize the property. XX/XX/XXXX - Spoke with XXXX, short sale packet received & house confirmed as winterized. XX/XX/XXXX - Attempted to call XXXX XXXX, not at desk. XX/XX/XXXX - Received email from : XXXX XX/XX/XXXX - Offer received by bank and in review phase. XX/XX/XXXX - Spoke with XXXX, escalation clause submitted. Checked to see if house was winterized b/c recent showing by local agent said she noticed condensation on the windows. XX/XX/XXXX - Spoke w/XXXX. Appraisal done yesterday. 2nd mortgage on file that must be cleared. Negotiator : XXXX XXXX ( not helpful ). XX/XX/XXXX - Spoke w/XXXX.Lien is no problem.Offer still in " review. '' XX/XX/XXXX - Spoke w/XXXX.Property not winterized! First time I or the borrower was informed that it was the borrower 's responsibility to do so.Most short sales, the bank maintains the property. Short sale denied, home not in salable condition.It was when the offer went in.Moved to foreclosure status.Submitted all paper work a XXXX time, offer not accepted, no counter.Bank wanted home listed at {$97000.00} appraised value, when it was there was no interest.Price point it is now, there is a lot of interest.Moved to foreclosure status.
WE HAVE SEVERAL ACCOUNT WITH THIS COMPANY WE HAD A FAMILY EMERGENCY MY DAD PAST AWAY I CALLED EVERY ONE OF THERE CARDS AND TOLD THEM THAT WE WILL BE OUT OF WORK AND OVER SEAS AND WAS PROMISED NO LATE FEES WILL BE ASSESSED BUT THEY DID AND REPORTED ME TO CREDIT BUREAU AS LATE WHICH RUINED MY CREDIT SINCE THEY HAVE MOST OF MY ACCOUNTS
I went to Bank of America to cash a check. 
Which is a check issued by the CLERK OR THE SUPERIOR COURT XXXX TRUSTEE ACCOUNT. in the amount of {$10000.00} The check was issued in my name XXXX XXXX on XX/XX/2016 at around XXXX. 
I was told to wait 3 hours to cash the check at any Bank of America. 
I went to BOA at # XXXX XXXX XXXX, XXXX, CT XXXX Telephone number XXXX A person by the name of XXXX ( I believe ) told me they did not have that much money. I asked when I could cash it then and he told me it takes 2 to 3 business days for a check like this to be cashed. 
However, I was told that I could open an account and deposit the check in the account!!! 
1 ) What upset me the most was the rude answer from this person XXXX or whatever his name was. I could probably have agreed if I had been treated better, but the disrespect, the lack of explanation, and telling me that I can not cash a check and have to wait 2-3 days for them to have this amount of money together!?!? 
That is disrespectful and offensive. Now tomorrow I have to come late to work because some employee did not want to do his job.
In XX/XX/XXXX my JC Penney credit card had two charges that I did not make for a total amount of {$600.00}. I called JC Penney to complain, and was referred to the XXXX XXXX Fraud Department. I did not pay the amount due for these charges because I knew that I did not make them, so my account began to be charged late payment fees and interest on the unpaid amount. In XX/XX/XXXX I received a letter from XXXX XXXX stating that they agreed that I did not owe these charges, and that my account would be credited with the amount charges and related fees that had been added to my bill. In XX/XX/XXXX my account was credited for the amount of the original incorrect charges, but not for the late payment penalties and interest. I again called JC Penney and  XXXX XXXX to complain. The latter told me that my case was still being processed, and that I would be notified when the case was resolved. Meanwhile, additional late penalties and interest were added over the next several months, without any communication from either JC Penney or  XXXX XXXX about the resolution of my complaint. Finally in XX/XX/XXXX, I received a letter from XXXX XXXX that they had sold my account to a collection agency, XXXX XXXX XXXX, with no further information about the resolution of my dispute of billing me for late fees and interest on amounts I did not owe. By this time the accumulated late fees and interest were {$140.00}. XXXX XXXX XXXX is now trying to collect this amount from me. I have formally complained to them as well by telephone. I was instructed to fill their " Identity Theft Affidavit '' even though I do not have any reason to believe that the incorrect bills are the result of identity theft. I have submitted this form plus a letter disputing the charge that they are trying to collect, along with all of the documents showing the history of the bills to this account. These are attached to this complaint.
A few years ago I ventured online for a payday loan. The loan that came up was XXXX and I applied and was approved. I received the funds and realized the interest rate and after further researching I knew this was not something I wanted so i returned the payment to the company and closed my bank account after I found out that XXXX was not authorized to do business in the state of North Carolina. The company three years later has reported this to all three major credit bureaus after I completed disputes that the company was not legally able to provide the loan in my state and that I paid the payment back for the only 3 days that I had the money.
Hello again, My name is XXXX XXXX XXXX from XXXX XXXX XXXX XXXX NC XXXX.

I am writing with an immediate urge to remove 4 entries of collections off of my report with you. I am a veteran over XXXX   years old now. And to think that you treat us US Citizens like this is unconscionable.

I have filed a complaint with the Identity Theft board of the Government and am looking forward to when the entries below will be removed from my report.

-XXXX XXXX XXXX XXXX  : {$75.00} XXXX XXXX XXXX XXXX  : {$59.00} -XXXX XXXX XXXX  : {$150.00} XXXX XXXX XXXX  : {$1000.00}