WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX sent us to a collection Agency, AFNI ( XXXX XXXX XXXX, XXXX Illinois XXXX ) for a {$930.00} balance stemming from XXXX or XXXX XXXX. ( Account # XXXX ) There have been no attempts to collect this debt. We first saw this item on my credit report as part of a refinance attempt in XXXX. 

( 1 ) we attempted to contact XXXX XXXX XXXX to find out what this debt was for. We remember cancelling the service in XXXX XXXX and returned the equipment at that time using the shipping labels provided by XXXX XXXX XXXX. We have no records of this however, as it occured more than 6 years ago. 

( 2 ) XXXX XXXX XXXX can not provide us with any invoices nor can they tell us what this debt was for. As they stated themselves it was over 6 years ago. We have been told many different things by many different depts. and really got the runaround. They have stated they would try and look in their archives to validate this debt but we have not received any notification of this so far. 

( 3 ) We did reach someone at AFNI and after several attempts to get to their " XXXX XXXX XXXX accounts '' department., A XXXX XXXX XXXX informed us that this debt was for the non return of some equipment and that the balance was {$930.00}. We asked him for the invoices or paperwork to substantiate this debt. He at first asked us to send him an email requesting this ( XXXXXXXXXXXX / XXXX ). When I asked to verify this, he recanted saying, he first would put this account in dispute and then go back to XXXX XXXX XXXX to request them to send me this documentation. 

( 4 ) There have been no attempts that i know of to collect this debt since the XXXX time frame. I have purchased a home, and refinanced twice since this time frame and there was never any delinquencies nor any collection account. A credit report from XXXX can verify this information. I have always paid my bills on time and have never been late. 

( XXXX ) I have been informed by my lender that a dispute of this item would not suffice for the new mortgage. There can not be a dispute notated on my credit report. 

My only options right now are either to dispute this item and delay my refinance or pay this item to the debt collector and then try and seek a refund after my refinance. neither are equitable options. I am seeking your help for a timely resolution to this item. I can not believe a collection item like this would magically appear 6 years after the fact. And I can imagine XXXX not being able to substantiate this debt. Can someone at the CFPB help me with this?
I have been dealing with Wells Fargo trying to refianance my current mortgage with them under HARP. They approached me last year regarding my qualifying under HARP. They required that I obtain and pay for out of pocket an appraisal. Now, as we were about ready to close, they are requiring that i change my insurance to " Replacement Coverage ''. I have found that this is virtually impossible in RI on a multi family built prior to 1950. 
They remommended that I contact the Wells Fargo Insurance department. After contacting them I was told that they do not provide insurance for multi families, over XXXX stories, built prior to 1950. Complete waste of time and money.
I received a voicemail on Thursday from XXXX in fraud services. I called back with the extension she left on Thursday, Friday and Monday and left a message. No return. Today I called and left a message at a different extension for XXXX XXXX and no return call. The account is fraudulent and no surprise I have such a hard time getting info from them when they can not return the call. They have not provided me any validation with my signature after multiple requests through certified mail
I have a Mortgage with M & T Bank.Last month I wrote my bills, including the mortgage, on XXXX XXXX. My payment would not be late until XXXX XXXX, three weeks after I sent my payment. I watched my account to be sure that they all cleared. I have never been late with my payment. I called the bank, and they told my that payments go to a payment center. Then she wanted me to make a payment by phone. I told her I could not afford to make a double payment. She tried to push me into electronic payments. I told her no. She said we would wait a few more days. The check finally cleared on the XXXX of XXXX. I am pretty sure that they held my payment back on purpose. I absolutely do not want this. I want my paper statements.
Received a collection letter from   XXXX   XXXX   stating I owe  Capital One a   balance of {$1200.00}. I only have  XXXX  accounts with capital  one  and both are current on payments. Please have this collection removed from my credit reports and cease collection since the debt is not mine. Also the letter was sent to the wrong address, it was sent to an address to where i never resided. So I am confused why I am being sent to a collection agency for a debt that is not mine, and an address that is not mine as well. As mentioned please remove account and collection from my credit report. Also checked the account number and have no account number relating to the account referenced.
I started working with a company called LOAN DEPOT. I sent a ton of documents. This went on for several weeks. Tax forms faxed to the second person handling our refinance. I was told it was go and everything looked good. We have excellent credit. I explained everything that was on our credit report. He told me that he would be needing an appraisal at some point. I told him let me know because I use a medical debit card and would need to put the money in. I was in an accident had to go to the ER and and when I went to pay my card was declined. I checked my account and they took out XXXX without telling me. My husband has loan on his c credit report but I explained that we do n't pay the loan my son does. And h he has been for 3 years. 
I was upfront about this and they said it was not a problem. I asked for my appraisal back since they did n't give me the loan that they said was a go..I was told it would go into for review about the refund. They once again sent and email denied the refund. I was told by another mortgage company that you do n't do an appraisal unless you review all the paperwork, tax returns, credit reports etc ... These guys wasted weeks of time, energy, and money only to get nothing. I have refinanced before and never have I had so much problems with documents having to be refaxed. I was told that you ca n't fax documents. 
I just want my XXXX back. I am with another bank and had to pay for another appraisal. This loan is a go but these people lead me on and just c continued to ask for more documents that they already received. It took six weeks to figure out whether or not we would qualify. Well we certainly ha had all the documents in order. We have very good credit. Just stole XXXX from me and probably knew they would never go through with the refinance.
Dear CFPB, I'm writing for you for URGENT assistance to correct some information on my credit file which is hindering me from gaining employment, getting financed for housing, and life necessities. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT/ADDRESS INFORMATION. 

Trans Union is reporting unknown inquiry information from dates XX/XX/2018 - XX/XX/2018 that I didn't legally authorize. They're illegally allowing companies to run my credit without approval. 

This information is negatively affecting my credit score, and I would like it removed ASAP. 

Please assist me in getting these items removed from my report so I can no longer be prohibited by the negative information which is impacting my livelihood.
Ditech Financial has misapplied payments we have made. The assigned representative will not return repeated phone calls. They are now showing us like 4 months past due and I do not find that to be true due to the fact we have made payments, they have just applied them incorrectly.
On XXXX XXXX XXXX I received my social security benefits. I went to Chase bank at XXXX XXXX XXXX XXXX and tried to make a cash advance for {$1300.00} the teller got the XXXX XXXX XXXX debit card and ID and attempted to process the transaction, she said it would not go through. ONLY then did she tell me they were having computer issues. When I got back to my car I received a text from XXXX XXXX that my account was debited {$1300.00}. I went back to the bank 3-4 minutes and showed teller on my phone that the transaction did go through. They said the system would reverse the charge after midnight, it did not. On XXXX XXXX I went back to bank with a copy of statement from debit card. Bank loan officer said they realized it was their system failure stated he received email stating that, he would not give me copy of email?? On XXXX XXXX went back to bank, had gotten name of manager her initials are XXXX explained situation to her and she would not take any responsibility for error, very sarcastic I told her I was n't leaving until I had some evidence from them of problem. She would not do anything to help me and called police. When officer arrived I explained why I was distressed, I was not yelling are screaming. He asked that I would wait in my car while he talked to people in bank, when he came out he was sympathetic to my problem. He asked me to wait until XXXX if I had not received my money back he would write up a Fraud or Theft report. I 'm about to be evicted and behind in normal bills. Both the loan officer and manager of bank have flat out lied straight to my face. Today 's date XX/XX/17 this has been going since XX/XX/17. <P/>Needing help XXXX XXXX XXXX
I would like to dispute XXXX XXXX XXXX. I paid this card off I believe in XXXX 2014 in full at the XXXX XXXX XXXX in the XXXX XXXX. Experian Credit Reporting Agency is reporting negative information of their site and this account has never been late always pay of time and as of today it is paid in full.
NCB MANAGEMENT SERVICES for the last 2 yrs has tried to collect on a debt that has been written off and should nolonger be on my credit report. The original debt was a car loan through XXXX XXXX XXXX. This was written off in XX/XX/XXXXand and should have been removed from my credit report in XX/XX/XXXX. At that time NCB purchased the account, listed it as a open account and says that there is a balance of {$4800.00}.
I had started to receive a bunch of emails from different companies stating they had received my application for a loan, and to sign here. I NEVER APPLIED FOR A LOAN, AND I NEVER RESPONDED TO ANY OF THESE EMAILS. ONE COMPANY XXXX XXXX, HAS CALLED ME REPEATEDLY, EVERYDAY FOR OVER A MONTH, AND NEVER LEAVES A MESSAGE. YESTERDAY I PICKED UP THE PHONE AND TOLD THEM TO QUIT CALLING ME AS I HAD NEVER APPLIED FOR A LOAN. TODAY, THEY CALLED ME AGAIN BEFORE XXXX. I AM SICK OF THIS. HOW DID THEY GET MY EMAIL IN THE FIRST PLACE, OR MY PHONE NUMBER, AND THEN WHAT GIVES THEM THE RIGHT TO CALL ME REPEATEDLY EVERY DAY FOR OVER 30 DAYS AND NEVER LEAVE A MESSAGE. I AM SO SICK OF THIS. THE TELEPHONE NUMBER IS XXXX SAYS FROM XXXX, CA.
I would like assistance in disputing the following charges {$7900.00} made on XXXX paid to XXXX XXXX XXXX and {$7400.00} made on XXXX paid to XXXX. These are XXXX companies who contacted us after we purchased what we thought was a legitimate online, home business. XXXX XXXX XXXX was supposed set up a business entity, create a custom business plan, corporate credit building and training. They did not provide the services that we purchased other than setting up the XXXX and submitting the wrong information to XXXX XXXX XXXX. This company took advantage of us by price gouging us for services we did n't need and did n't even deliver. XXXX was supposed to do social media pages, XXXX marketing and product sourcing. They sent us an awful XXXX sample video. Bottomline is we have been taken by these companies and would like Chase to help us obtain a refund of the money that they have unjustly received. I think based on the time that has lapsed, these guys are never going to deliver and at this point it is clear that they were not going to in the first place.
I have XXXX duplicate negative accounts on my credit report ( so, XXXX negative marks on my credit report. The original creditor and the collection agency that bought the debt ( XXXX XXXX XXXX ). The account numbers are the same for the original creditor and the collector. 
More importantly, XXXX XXXX added both the accounts to negative collections in my credit report, despite the fact that they have been paid in full.
I work for XXXX XXXX XXXX. My mortgage payment is issued from my account at XXXX XXXX. XXXX XXXX, 2016 a check was cut and sent from my XXXX XXXX account. The check was cashed by Seneca Mortgage with my Seneca Mortgage account number stamped on the back. XXXX XXXX I was informed by Seneca Mortgage on the phone that my check was never received and if it was not received by XXXX XXXX, 2016 I would be charged a late fee. I obtained a copy of the cashed check and faxed it to Seneca Mortgage. On XXXX XXXX, 2016 at XXXX, MST, I spoke with XXXX who informed me everything was fine, the check was found and cleared and he would remove the late fee ( they went ahead and put on ) since it was Seneca 's fault that they lost the check for my XXXX 2016 payment. 
I received a missed call on my cell phone XXXX from Seneca Mortgage on Thursday, XXXX XXXX, 2016 request me to call them. Friday, XXXX XXXX, 2016, I called Seneca Mortgage Servicing Department and on the recorded information for my loan I was told XXXX 2016 payment was not received and I had an outstanding late fee. I emailed to Seneca a request to remove the late fee thinking that XXXX did not take off the original late fee from XXXX. Monday Seneca responded by telling me to send in a copy of my cashed check for XXXX 2016. I faxed check number XXXX issued to Seneca Mortgage dated XXXX XXXX, 2016 for my XXXX payment and it was cashed on XXXX XXXX, 2016. Not hearing anything from Seneca, Wednesday, XXXX XXXX, 2016, I spoke with XXXX at Seneca Mortgage who looked at the copy of the cashed checks for my XXXX and XXXX payments. XXXX said someone other that Seneca deposited my XXXX 2016 check into a XXXX XXXX XXXX account as stamped on the back. I then spoke with my XXXX XXXX check fulfilling department and they said, yes, XXXX XXXX XXXX did cash it into my account number at Seneca Mortgage according to the stamp on the back of the check. 
I called Seneca and spoke with Supervisor XXXX who told me Seneca Mortgage used to bank with XXXX XXXX XXXX but now banks with XXXX XXXX. XXXX said Seneca did not deposit the check. XXXX XXXX did some investigating and told me the check most likely went by mistake to another department at Seneca that still uses B of A or an employee deposited it into the incorrect bank. XXXX XXXX suggests Seneca Mortgage Servicing call XXXX XXXX XXXX to see which Seneca department still uses an account at XXXX XXXX XXXX. Seneca needs to correct their mistake. All XXXX XXXX checks issued to Seneca Mortgage for my mortgage payments have been exactly the same over the past year with no problems. XXXX repeated they did not receive the check. According to the back of the check it was cashed into my Seneca Mortgage account by XXXX XXXX XXXX. XXXX refused to call XXXX XXXX XXXX to try to find my check. I requested a Senior Supervisor to investigate and call XXXX to find my payment. I ask them to call me in 24 hours. I 'm tired of being accused of not paying and being charged a late fee. This is Seneca Mortgages fault and I want it resolved before it is reported on my credit - which is excellent.
Turned in my lease ( XX/XX/XXXX ) after a dealer incentive to buy a new car. I was told by the dealer there would be no additional lease charges. On XX/XX/XXXX received a bill from XXXX XXXX in the amount of {$1400.00}. They drafted another payment of {$720.00} and applied it against the balance. I was told the excessive charges were for a cracked windshield and 2nd key. I turned in both keys. I got no credit for tuning the car in approx 12,000 miles under the contract limit and was not told of any additional charges before buying the new car. The dealer did involved and I agreed to pay a final balance of {$340.00} to XXXX XXXX which they said would bring balance to XXXX and the dealer reimbursed me as well. 

Now over a year later, I received another bill from XXXX  for {$360.00}. I was told I was lucky this was n't turned over to collections and it would be if I did n't pay it. I was told the additional fee was added because I did n't buy a new car from XXXX. I told him I did buy a new car the day I dropped this one off. He said he did n't see where I purchased a new car. I told him to check with the dealer. He then asked if I financed the car with XXXX. I told him that I financed the new car with the bank chosen by the dealer which was XXXX XXXX XXXX. He said that explains it and they would have waived the fee had I financed with them. I did n't so I have to pay them the {$XXXX} over a year after turning in the car and paying the amount agreed in XX/XX/XXXX. He also said I should have read the contract more carefully as it allowed them to charge the additional fees whenever they want to.
I currently bank with XXXX and receive periodic credit updates through them and Experian. On the morning of XX/XX/XXXX, I checked my credit and saw that it had changed as follows : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX I froze my credit with all three major credit monitoring companies in XX/XX/XXXX and have not unfrozen it since then. Furthermore, I have stayed current on all of my outstanding debts. In short, nothing has changed from what I can tell. I received a free credit report from Experian and it shows everything I have as being current. 

After a fair bit of work, I was able to speak to a representative at Experian and asked them if they can explain why they had dropped my score by 89 points and then raised it by 30 points. The representative was unable to explain it despite acknowledging that Experian owns and operates the algorithm by which credit scores are calculated. He then suggested I speak to a credit advisor to help me interpret my credit report to find out what caused my credit score to drop so much so quickly.

I do not understand how a credit monitoring agency can own and operate an algorithm to provide a credit score that enables people to operate in the modern financial world, but not be required to explain how and why that score may or may not have changed.
On XXXX XXXX XXXX My Step Dad sent my boyfriend {$300.00} to surprise me to ask me to marry him at my cousins wedding and of course i got hired on a new job!!!!!!! I 'm an American citizen!!! On Monday XX/XX/XXXXWe arrived at Western Union to pick up the money that was sent and stood in line for well over an hour!!!!! My Boyfriend was told that the transaction was not allowed. By this time i am wondering what is going on and why my boyfriend is looking Panicky ... .. So i ask what was going on and then he told me that my step Dad had sent money for him to surprise me!!!!!! Unbeknownst to me until 20 minutes before the wedding my cousin called looking for us because we had not shown up and said that My boyfriend was to propose to me!!!!!! This is so hurtful to me because we lost a moment that we cant ever get back and Between food Hotel accommodations, Taxi rides and The XXXX charges a fee on XXXX per couple per day in order to be on there resort ... ... We lost close to 1500  bucks and my cousins feelings were very hurt and furthermore we lost a moment that we can never get back!!!!! I believe that Western Discriminated against us because we were XXXX sending a large sum of money!!!!!!! I have often found that they have a tendency to discriminate against people of XXXX!!!!!! No one at any given time called to tell the sender that the Money transfer was cancelled .... When he walked into the agent location to send the money that transaction went thru!!!!!! You do n't take someones money and then cancel it without calling to let them know that you are not processing the transaction. Even still they had one whole day to call the sender and say we cancelled your transaction and then my stepdad could have found another way to send it before he hit the road ... ... My stepdad is a truck driver of oversize loads and there is no way for him to get that truck into a parking lot of a western union office and he could not pick up the money to resend with XXXX XXXX and not to mention the tension that this issue has caused between every one!!!!! I want my money back and i want to be compensated for the emotional toll this has taken on all of us. Oh and furthermore i reached out to them on several occasion and was pretty much told to XXXX off and oh well!!!!! The sender also called and they gave him a new tracking number to pick up his money!!!!!! That was after everything had went down ... .. We was clearly upset about this issue and could not even enjoy the resort that we stayed in .... This was a disaster!!!!!
Chase closed my account on XX/XX/XXXX citing my high revolving credit account balance and previous history with them after issuing me a credit card. I tried to contact Chase in order to resolve the dispute as I have continually paid my credit cards in full at the end of every statement. Chase would no reactive my cards despite numerous attempts at discussing the matter with them. The cards Chase closed have yearly fees associated with them that I paid at the beginning of the year. Chase reimbursed me {$95.00} for the annual fee for my XXXX credit card, but not my XXXX XXXX XXXX.
My Equifax score is over 100pts lower than the other two major agencies. I spent 2 hours  over the phone speaking to a bunch of people in XXXX who have my sensitive data, and are holding it hostage, and lying about me to anyone who reads their report. Their information is so outdated/flat out incorrect that I can not verify my identity to their satisfaction. Seems like a racket. They wont even give me a score for free. It's all a racket with our data. These jokers couldn't even keep said data safe. They should be shut down by congress. Neither of the other two agencies operate like this. I've disputed things easily with them and had them removed. Equifax added stuff the last time I tried to dispute. They're a cancer to our society, and totally inept at their job. There are easily 5+ closed  accounts that are over a decade old on my report.
My problem is with the credit bureau 's are allowing companies, that I did not authorize, to do hard inquiries on my credit. These type of inquiries hurt my credit score and I want them removed immediately. There is a total of about 20 inquires that are not associated with any accounts that I have or requested, however they match unsolicited offers that I get in the mail. 
Please help me get these off of my credit reports. What should I do?
XXXX trans union XXXX several vendors I have repeatedly sent certified letters to the credit unions several certified letters to all vendors in question uncountable number of on line complaints to all I continue to request proof signed credit appls signed loan agreements no one has ever proved any proof and keep refuse to prove it and product anything I signed and refuse to ever look in to it because they keep claiming verified with no proof this must be a criminal act after 18 months. this is so wrong why should I have to pay XXXX. dollar for each credit union and each vendor that continue no break the FCRA and FDCPA
I filed a fraud dispute several times with XXXX Credit agency. I called at XXXX XXXX XXXX XXXX 2016, I sent them a police report a dispute letter stating fraud XXXX time in 3 months, I have spoken to them several times about wrong names listed on credit report andd the company Pinnical Credit Services which the fraud dispute was filed. My conversation today was nothing has been filed, disputed and names had to be disputed once again