WillisBack/dataset-financial-user-claim huggingface dataset:
I have disputed this debt on several Occasions and the debt collectors XXXX has only provide a bill statement no other evidence I have submitted police reports and I was apart of XXXX breech and identify theft also XXXX has removed this account and then they put it back on my account and now XXXX is giving a hard removing this fraudulent account when all other credit reporting agencies have blocked this account also the dates of the account being opened are inaccuracies and the year and date The companys are XXXX XXXX and sequim please remove these account
My mother in law inquired about a product for my wife and I at a previous address. We received a wireless box from XXXX XXXX XXXX which we never ordered. We called them and was instructed to not open it and just to return it back to the post office. We have been harassed by collection letters since 2013. We have responded and disputed all inquiries. We called XXXX XXXX XXXX Billing, Collections and Fraud department. They have no proof or documentation to support this debt as well as not being cooperative. The Fraud dept hung up on my wife. The billing said its valid but have nothing to support that we had an account with them. We ended up going with XXXX for our services for internet
Mortgage loan payment of {$1800.00}. Loan was transferred from XXXX where it had been originated in XXXX. The loan was recently sold ( in XXXX ) to Provident Funding. I had no history of late payments at XXXX and I did not seek out a sale of my loan to Provident. I made my XXXX payment online at the Provident website a little over the XXXX pst cutoff time because I was traveling and didnt have log in information for their website handy. I had previously made my payments to XXXX directly thru XXXX. Because of the XXXX XXXX holiday this pay, ent did not post till the following Tuesday ( payment was made Friday ). I have asked Provident to remove the late payment fee of {$90.00}. I have subsequently made my XXXX payment but have not paid the late fee in hopes of getting this situatuion resolved. 

Provident Funding Loan number is XXXX.
The letter was mailed out on XXXX XXXX. The Experian bureaus have continuously sent scare, stall tactic to clients.
I have a previous address reporting on my credit report that I was never associated with that I will like to be removed from my credit file, That address is where someone committed fruad in my name and will like that address to be removed XXXX XXXX XXXX XXXX va XXXX
XXXX XXXX, 2016 To Whom It May Concern : I 'm outraged US Bank debited my account {$570.00} without my authorization after a credit card payment! On XXXX XXXX, I completed an external transfer for {$300.00} and {$270.00} respectively to my XXXX US Bank credit cards. However I noticed my checking account had double posts from US Bank totaling {$1100.00}. Immediately I called and spoke to a representative and she confirmed there had been a mistake on their system and expect a refund in four days. I 've called three more times and spoke to several representatives that stated my money can be held for 17 days until returned! I have also left voice-mails to the special payment research department and have yet to receive a phone call back. This is unacceptable for my money to be held while US Bank makes interest for over a week! My funds need to be returned to my bank account immediately with interest! I 'm looking for a fast resolution and funds returned as soon as possible. 
XXXX XXXX XXXX
Loan originally from XXXX XXXX and assumed into KeyBank. No exiting instructions provided for remitting payments to KeyBank. Called into bank and spoke with Customer Service, informed me my AutoPay was going to be cancelled with KeyBank and my account was delinquent - prior to next scheduled payment being due. I was told AutoPay did n't transfer from XXXX XXXX and then was told that it did transfer from XXXX XXXX - but would n't be able to utilize for payment. Then was told I am unable to make payment utilizing my financial institution I bank with and I need an account with KeyBank. Frustrated and looking for other options / re-financing with other institutions.
THE REPRESENTATIVE CALLED ON A SUNDAY, XXXX XXXX, 2015 AT XXXX EASTERN STANDARD TIME. I LET THE REPRESENTATIVE KNOW THAT IT WAS A SUNDAY AND I WAS WITH MY FAMILY. HE STATED THAT THIS CALL WOULD ONLY TAKE A MOMENT OF MY TIME. I FEEL THAT HE WANTED ME TO TALK WITH HIM ANYWAYS DID N'T MATTER TO HIM IF IT WAS A SUNDAY AND THAT I WAS WITH FAMILY. THE COMPANY IS PORTFOLIO RECOVERY AND THE NUMBER THAT SHOWED ON CALLER ID IS XXXX
Dear XXXX  XXXX, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter. 
Very Respectfully, XXXX XXXX
I have sent Honda financial services several certified letters. First letter was not signed for and usps stated " business closed ''. I called AHF and representative gave me another address. Sent certified letter there and have signature dated XX/XX/2016. After 30 days AHF did not mark my credit reports as being disputed as required by the FCRA. I have sent a third certified letter on XX/XX/2016 to same address as second letter but it is now also being returned as " business closed ''. AHF is in violation of the FCRA and i want the accounts removed from all of my credit bureaus as required by law
Company is reporting this on my credit report to Credit Bureaus XXXX XXXX and XXXX. They have not provided me with any information to verify this was my debt. I never heard of this company and I do not owe any debt to this company.
My statement from HSBC from XXXX included 13 unauthorized transactions in gas stations, all with amounts over {$80.00}. These transactions put my account over the credit limit. 
I first contacted HSBC about these transactions on XX/XX/XXXX because my card was blocked. When I called them turned out I was over my limit as we reviewed the recent transactions that is how we realized of the fraud. Although they started a fraud investigation at that point, temporary credit was never given and my account continues to be over the limit. My old credit card was cancelled and a new number was reissued but I was never given a new card due to the over limit. 
On XX/XX/XXXX, I called again because I received a Claim form to complete and I wanted to make sure I was providing everything they needed to complete the fraud investigation. I was asked to fill out a police report which I did and sent along on XX/XX/XXXX with the completed Claim form. 
I was told at that point that as soon as they receive this information I will be contacted by the fraud investigator and as of today XX/XX/XXXX that has not happened. 
I received an statement with close date of XX/XX/XXXX and still shows the balance that includes all the fraudulent transactions. 
All the fraudulent transactions are considerably higher than my usual transactions at gas stations of around {$40.00} that can be seen in my transaction history. Also, none of them are at my city and I can prove I was working in town while they happened. 
In addition to all of that my credit score went from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. I am pretty sure that is as a result of this because nothing else on my credit has changed. When I mention it to them they said that because the card is over the limit they report it to the credit bureau and that will affect my credit. This is not fair as the reason why is over the limit is not my fault. 
I am reaching out to you to help me get this investigation resolved once and for all.
even though I made payments to  citi bank..it w as n't the minimum..but now that I can make the minimum payment on a balance of {$12000.00} witch I am told is {$330.00} I 'm told I need to pay an extra {$290.00} and if I do n't I 'm going to continue to be charged a {$35.00} late fee ... this seems extreem
there was no any suspicious activity on the account. All activity on the account were absolutely legal by CapitalOne 's credit card agreement. I demand CapitalOne provides concrete wording in their agreement where it states and proves that my account was in violation. In this case CapitalOne agreement was violated by the Bank itself and requires civil legal action that I will seek to bring on behalf of others affected. CapitalOne answer is broad and misleading.
They call at all times of the day and night. I repeatedly tell them I am not in the financial position to pay back my student loans but they will not stop harassing me with the same threatening words and of suing. I know as a former student I am fully responsible but I am on a fixed income and can not pay the debts at this time.
This allegation of having a charge off on my credit report IS DEFICIENT of CERTIFICATED PHYSICAL PROOF of being adequately and fully COMPLIANT to all mandates and laws as related to my state, the FCRA and METRO 2 data  formatted reporting standards. 

Also, how can they report different information to all three credit bureaus? The high credit, credit limit, date last reported, date last active and date of late payment are all different. 

You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its 100 % TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, of proven documented OWNERSHIP of mine, or of proven documented RESPONSIBILITY of mine. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite 426-character P6 statements and all of its trailing segments, the minimal five portioned personal identifiers, all 386 pieces to confirmation to collect, and every aspect of the alpha-/ numeric-/ and or alphanumeric source codes. RETURN or retain OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting.
On XXXX XXXX, 2016, TransUnion Credit Reporting Agency lowered my credit score by XXXX points because I paid off XXXX ( XXXX ) creditors as promised and according to the payment schedule established. The payments I made were final payments. TransUnion found fault with this and penalized me by lowering my credit score. Their action will cost me higher fees for credit. I did not receive any satisfaction over the phone. I filed a complaint with the XXXX ( case number above ) and TransUnion responded to the XXXX and sent me a copy of their response. TransUnion did not address my complaint, instead, they informed the XXXX of the hundreds of scoring models they use to reach a conclusion. I then submitted a complaint to Congressman XXXX XXXX ' office and they were not able to help. Consumers are expected to pay their bills on time. This is the American way. I should not have to suffer penalty when I pay my bills as promised. TransUnion must restore the damage they did to my credit score when they lowered it after I paid off XXXX of my bills. When TransUnion opinions that by paying off bills that consumers reduce available credit, they have to consider that car notes and furniture credit have a termination date. Paying them off should earn consumers praise rather than penalty.
First Direct Lending LLC sends letter to my home with my mortgage information on a form designed to look like legal state form. One side says debt rate reform service with insurance information. Offering low interest refinancing. I never asked for this but they keep sending them.
On XX/XX/2018 I submitted to XXXX XXXX XXXX XXXX an application regarding my exemption from state property tax. It has been three months since I submitted all the paperwork required for a tax exemption. I have called numerous times with no avail.
On XXXX XXXX I applied for a Citibank XXXX XXXX XXXX with a XXXX bonus miles award after spending {$3000.00} during the first 3 months I have spend more than {$13000.00} during those 3 months however Citibank refuses to honor the bonus miles award claiming that the promotion is valid for new customers only. 
However there is no indication on the website about that : XXXX I have had a Citibank XXXX Credit Card before but it was cancelled in 2015. 
Thank you
Roundpoint Mortgage ( RPM ), received the property tax bill for my home as well as the property tax bill for an additional small piece of property attached to my lot. There is no mortgage on that lot. It was a GIFT. I do not owe a mortgage on the property. I do not have an escrow account for that property either! 

RPM used my homes escrow account to erroneously pay the tax bill on the gifted land. I asked them to get a refund on that payment as it was not part of my mortgage or my escrow. They have the mortgage documents with the Tax ID for the mortgage and the escrow. They will not acknowledge the documents attached to the mortgage. 

I also asked them to get a refund on the delinquent bill they paid from the previous owner. I did not owe the tax bill for 2017 since I didnt own the property. They claim since the land has a delinquency on it that they are permanently attaching it to my mortgage and my escrow. The delinquency belongs to the previous owner. 

I have sent documentation that the mortgage held by RPM is for Tax ID XXXX XXXX XXXX in XXXX XXXX VA. They should only pay the tax bill for that Tax ID number. The bill they are also paying is for tax ID XXXX XXXX XXXX. I have sent documentation to show them this land was a gift and there is no mortgage on it. In addition to try and help me with RPM 's mistake, the county provided me with last years bill ( 2017 ) to show the delinquency isn't mine since I didnt own the property. The tax bill was in someone else 's name. 

I don't seem to be getting anywhere with this servicing company and I need help. My escrow is being used for a property that is not mortgaged and has no escrow account.
My wife a nd I purchased a new vehicle. We went through Wells Fargo for our loan. Less then a month later, we refinanced with our credit union. Wells Fargo signed off on title and sent a letter releasing the lean. After a month went by, we received a bill from Wells Fargo that we owed them money. I contacted Wells Fargo and tried to resolve the issue. I informed them that we received letter of release and that Wells Fargo was not on title anymore. They said that we still owed them money and it needs to be payed. I stated that my credit union payed off vehicle and they where new lean holders. I informed them I was not paying. I asked for a manager and she was completely RUDE! They reported to all credit bureaus that i was late on payments a nd this dropped my credit over  XXXX  points. They also sent us to a internal collections. I 'm still trying to resolve issue at this time. I have submitted disputes with credit bureaus. this is a very long and stressful process! I am absolutely apald hoe they can destroy my credit so easily and not care that we have evidence to back our self up.
XXXX XXXX XXXX-I believe this is a XXXX  XXXX XXXX credit card originally. 
XX/XX/XXXX XXXX XXXX CFO sent Certified Mail return receipt requested sent to dispute debt, no response. 
XX/XX/XXXX sent second certified mail return receipt requested sent to CFO XXXX XXXX, no response. 
XX/XX/XXXX, 3rd certified mail return receipt requested letter sent to CFO XXXX XXXX, disputing debt, no response. 
Then, I filed a complaint with cfpb # XXXX, no response from your company. 
I have sent XXXX 2 letters of dispute with no resolution. NO ONE from XXXX NOR XXXX has validated the debt since XX/XX/XXXX. 
I quoted the FDPC they were in receipt of notice to validate the debt, they refused legally 3 times with no response as to the validity of the alleged debt. 
I am sure this is in the records that XXXX has when they bought the debt second hand from XXXX XXXX.
1. XXXX XXXX, XXXX. Medical emergency in family. XXXX would be needed. After 33 days of experiencing the medical care available plus the rehabilitation center in our " small '' town I realize that the medical care needed was not available in our small town. I contact my family in a " big '' city with good medical care to see if they would be willing to help. My family was willing. 
2. XXXX XXXX I obtain housing the new big city. 
3. XXXX XXXX put home on market in our small town, " For Sale by Owner ''. I stopped working to care for my family member and get ready to move. 
4. XXXX XXXX. No offers were received since XXXX XXXX so listed the home for sale or rent with a Realtor. XXXX XXXX move to big city for better medical care and XXXX. 
5. XXXX thru XXXX, XXXX. Our home in small town is shown for sale or rent but receives no offers. 
6. XXXX XXXX. 7 Months later, I realize we could not afford to continue to pay and keep up the expenses of the home in the city and the small town. Contact Mortgage Company to make them aware of the problem. Deed the property to the Mortgage Company ( Attached Doc # XXXX. Doc shows our transfer of property to Mortgage Company XXXX/XXXX/XXXX ). 
7. XXXX XXXX Mortgage Company accepts transfer by transferring Deed from one mortgage company to another mortgage company. ( Attached Doc # XXXX. Deed ). 
8. XXXX XXXX Mortgage company secures the vacant home and changes the locks. 
9. XXXX XXXX receive letter from VA. ( Attached XXXX # XXXX VA letter ). 
10. XXXX XXXX thru XXXX XXXX ( 17 months ) work with Mortgage Company to supply documentation for a Deed in Lieu of Foreclosure in the loan modification process. 
11. XXXX XXXX email sent from Mortgage Company with SECOND denial of Deed in Lieu of Foreclosure for lack of documentation. ( Attached Doc # XXXX and # XXXX. # XXXX Partial list of documentation requested and sent to Mortgage Company. More docs can be furnished if needed. # XXXX Email from Mortgage Company stating denial and THIRD request to start loan modification process. ) XXXX. XXXX XXXX. Mortgage Company Appraisal of small town home. ( Attached Doc # XXXX Appraisal ). 
13. XXXX XXXX. I have had over two years of hardship with a family member. I have struggled with the Mortgage Companies loan modification process sending some of the same requested docs over and over. I am XXXX years old and have been XXXX for 18 years. My new home in the small town has depreciated from {$270000.00} that I paid XX/XX/XXXX to {$210000.00} XX/XX/XXXX and now {$23000.00} in charges have been added to the mortgage making the property owe over {$250000.00}. I listed the home for {$230000.00} to pay the mortgage and the Realtor fees, giving up my equity in the property. I have complied with the Mortgage Company loan modification process 2 times. I have deeded the house to the Mortgage Company. Please advise how I should continue with my request for Deed in Lieu of Foreclosure with US BANK. ( Attached Doc # XXXX Mortgage Company statement ). Thank You for your help and advise.
I am filing a complaint regarding an International Bank Wire Transfer. 
On XX/XX/2016, I directed my bank ( Citibank ) to Wire Funds to a colleague in XXXX. The funds were not deposited into the account identified in my bank wire instructions. I notified my bank of the missing funds within 72 hours and they have attempted to contact the recipient 's bank ( XXXX ) thru the XXXX system for information on the disposition of the funds. 
XXXX has failed/refused to respond.
I paid off my auto loan in full n XX/XX/2016 with US Bank. I call in to their Auto loan department and when it asks me for my last XXXX digits of my social security number, it finds a mortgage account and takes me to their department. They have tried to transfer me to their auto loan division but I am asked for my social and get transferred back to their mortgage department. I am now two months into having paid my car loan in full and they have in all likelihood sent the title to my old address. There is no US Bank location within XXXX miles of my location ( per their website ) and I cam unable to contact them via phone. Meanwhile, somebody else has the title to my car and can now legally sell it without my knowledge. My address was current in their system since my new condo is financed through them. I would caution anybody from having more than one type of loan with US Bank.
I have been harassed by Sallie Mae with unstopping phone calls and they have gone so far as contacting people outside of my immediate family.
I purchased a few dozen items from QVC on their Easy-Pay installments, and in XX/XX/2017, I called and paid all future installments with concurrent verbal confirmation from three representatives. In XX/XX/XXXX, I have received myriad emails, phone calls, and letters in regards to an ostensible outstanding balance. I called and spoke to a representative on XX/XX/XXXX and was told that " there is no way for me to prove I paid it. '' I noted my statements and she [ the female representative ] suggested that they were going to collect the balance, whether I paid it or not. The outstanding balance is $ XXXX which, admittedly, is small- but I have already paid it. She then threatened me with collections and " irreparable damage to [ my ] credit '' if I did not pay. 
I know that scores of other consumers have had concerns with QVC verifying payment and then insidiously returning months later under the guise of a " past-due '' amount.
Trying to remove all comment on credit reports/from credit reporting agencies showing items in dispute. 
1. Please remove all dispute comments on all accounts! 
2. Please remove all late fees and show XXXX balance due XXXX student loan XXXX and student loan XXXX. 
3. Please close XXXX XXXX account and remove all dispute comments! Show XXXX balance due!