WillisBack/dataset-financial-user-claim huggingface dataset:
RE : XXXX-PRIVILEGED AND CONFIDENTIAL INFORMATIONDear Consumer Financial Protection Bureau-SUPPLEMENT TO XXXX XXXX, 2015 DISPUTE TO COMPLAINT NUMBER:XXXX ( XXXX ) Again, I do not owe BOA for a XXXX rental car where their XXXX representative ( located within the landrover car dealership at XXXX XXXX XXXX XXXX Georgia XXXX ) have pushed unauthorized charges on closed accounts at both XXXX bank and on an ebanking account with bank of america. What they are doing and have done constitutes BANK FRAUD. I do not owe XXXX rental car anything especially when OVERWEIGHT, DUMB SHERIFFS ACTING ON LAWYER JUDGES INAPPROPRIATE ORDERS FALSELY ARREST ME, XXXX, WHEN I AM ATTEMPTING TO RETURN A COMPLIMENTARY RENTAL CAR I DO NOT WANT ... NEVER DID. 

Now, I am STRONGLY advising your BOA to remove their DELINQUENT AND FRAUDULENT BOA AMOUNTS OUT OF MY NAME BECAUSE I OWE BOA N-O-T-H-I-N-G AND NOW you ARE OBSTRUCTING JUSTICE. PLEASE REMOVE YOUR DESPERATE MEANS OF COLLECTING ON A DEBT I DO NOT OWE. IF YOU DO NOT, I KNOW WHOM IS EAGER TO HELP YOU REMOVE YOUR DELINQUENT\FRAUDULENT BOA AMOUNTS AWAY FROM ME, XXXX XXXX BECAUSE I OWE THOT BOA UNEQUIVOCALLY NOTHING. 

I have walked into your local branch banks XXXX times with ALL THE EVIDENCE TO REMOVE XXXX XXXX. This is MY LAST REQUEST. 


Sincerely and Respectfully, XXXX
Please be advised that XXXX of the negative accounts listed with all of the credit reporting companies does not belong to me. I am requesting to remove the incorrect negative account from all XXXX credit reporting companies. Thank you. 
Creditor Name : XXXX
I took out a personal loan with XXXX/One Main in 2008. I was not informed by the company that a " refinance '' started the entire loan amount from the beginning of the loan. I have requested complete pay history from the company. I have paid a considerable amount of money on this loan and deem it paid in full due to the company 's misleading their terms of contract, pressure to refinance, and deceptive practices.
I have an issue with my XXXX credit report, it's showing that my closed account with DITECH is paid but foreclosure procedures started in XX/XX/XXXX. This is incorrect information as the account was paid in full in XX/XX/XXXX. I have disputed this information for the first time in XX/XX/XXXX I have a letter from DITECH supporting this information and I have presented this to XXXX. The dispute results states that they contacted DITECH and they said the report is correct despite the legal document that I have, signed by DITECH and issued onXX/XX/XXXX stating the contrary.

I have contacted XXXX   multiple times to get help on this issue but they won't change the report affecting and damaging my ability to get any type of credit due to incorrect information in their report. In my last call to XXXX ( XX/XX/XXXX ) the operator told me that i have to contact DITECH as they can not change my reporting even with the legal documentation i have provided showing the opposite.
XXXX XXXX XXXX is still reporting to all three credit bureaus that I owe a balance.. but the car has been paid off. This is a violation of the FCRA federal law to report incorrect information to the credit bureaus. I am demanding that XXXX XXXX update the information to reflect a XXXX balance. The car was paid off as of XX/XX/XXXX The account information to the credit bureaus was updated on XX/XX/XXXX reflecting that I owe {$14000.00} which isnt correct the pay off amount for the car was {$13000.00} which was paid in full to XXXX XXXX XXXX!
This began as an eviction from a previous apartment complex due to my XXXX military registered service dogs being American Staffordshires ( pit bulls ). They claimed they were not aware that they were pits when I moved in despite my presenting copies of thier service registry. There was a neighboring dog which had a chow ( also an 'aggressive ' breed banned by the complex which had initiated an altercation with XXXX on my dogs. I received notifications from Robbinson Reagan and young of XXXX to vacate my apartment which I did after the end of the month and two weeks which covered the deposit I knew I would never receive back and the impossiblity of vacating in the allotted time. I never received any further contact from Robbinson Reagan and young until I received an email from my payroll department at work that they were going to garnish my wages for the following paycheck. I was informed by the civil court that because I had not gone to court to object my only recourse was to submit a slow pay motion and make regular payments. At this time I began to see several secondary collections on my credit report from Robbinson Reagan and young for debts from previous creditors. It seems like they are going through my history and soliciting debts for collections which they are now persueing me for. And now in the last few days I have been recieving calls from another agency called XXXX XXXX that refused to give me any information without verifying several addresses. The person I spoke to was vague at first when I stated that I had received calls from the phone number and then became rude about any indication of what the issue was. I told her to mail me any corespondence and not to call me again.
XXXX XXXX # XXXX address : XXXX XXXX XXXX XXXX, XXXX, NY XXXX CFPBMy name is XXXX XXXX, and I work at the XXXX of XXXX XXXX XXXX. We would like to open a complaint against Wells Fargo with the intentions to come up with a solution for our client XXXX XXXX. The file was place a sales date in XXXX and we started a process for a Loan Modification at the end of XXXX. We stall the the sales date and managed to stop the sales date and foreclosure by having the underwriter review a complete package. 
Wells Fargo was en route to provide a Loan Modification in XXXX but then they change the account specialist at the middle of the review. The first review started with XXXX XXXX as a Single Point of Contact. The bank started requesting updated documentation which they already had, and they requested the same documents claiming they did not received the docs. Then through out the review process, they assigned a new single point of contact by the name XXXX XXXX ext XXXX. At first glance, he had no idea what was going on with the file, and after a few review of the documents, he told us the file was under review, then requested some documentation regarding bank statements and a property located in XXXX. We complied with the needed information, we send all documentation on a timely matter. We even had a couple of conversations with the underwriter clarifying the exact clarifications needed, as well as the documentation needed. We send all required documentation on a timely matter. 

Yesterday on XXXX XXXX, we had a conversation with XXXX in which he explained to us that the underwriter removed the file from review because all documents have expired, and advise we need to start the process all over due to expired documents. I advise him that the reason they expired is due to they kept requesting the same documentation over and over again, and now they have the dignity to come to say that we need to start the process again when they were the XXXX " stalling '' the file even though we complied with a complete package from the beginning of the process. 
We need a solution to be accomplished on this situation ASAP
My private student loans through   XXXX   XXXX   charge wildly different interest charges each month. I have been paying the loans for over 3 years now and have barely made a dent in the principal ( about {$1500.00} over 3 years. ) I have car payment and mortgages where the principal balance actually decreases at a great rate than these loans.
My monthly payments are {$220.00} a month On  XX/XX/XXXX  I paid {$170.00} in interest and {$43.00} towards the principal The next month I paid 1 day later on XX/XX/XXXX  and paid {$180.00} in interest and {$43.00} towards the principal. 1 day difference in payment makes that wild of a difference in interest??
On  XX/XX/XXXX  I paid {$150.00} in interest and {$68.00} in principal The next month I paid on the SAME exact day and still ended up paying greater interest  XX/XX/XXXX  {$170.00} went towards interest and {$52.00} towards principal.
These are predatory loans and the company will not send me proof of my signed Master Promissory Note showing that these are in fact my original loans. I will not be making additional payments on these loans until they can prove that everything is correct on my account. I will be disputing this fraud on my credit report as well.
Bank of America reported to XXXX that I was suspected of fraud and closure status unpaid. I never had an account in fact, I tried to open an account and was denied. The bank refunded my XXXX $ deposit and cashed it at Bank of America XXXX XXXX XXXX # XXXX, XXXX, CO XXXX. This is by far the worst thing anyone could have on there account. Since emailing the CEO of Bank of America XXXX of customer relations has tried to tell me to stop the dispute and they would remove what is on my credit report. I pay high interest on my car payment and insurance currently. please help me resolve this is by far the worst thing anyone could go through.
The 15 U.S. Code 1681g Section 609- Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. The date of first delinquency for this account was XXXX. Therefore, this negative event despite being included in chapter XXXX bankruptcy has met the 7 year reporting time frame to all XXXX ( XXXX, XXXX, and XXXX CRA ).
My mortgage was sold to Carrington. Prior to the selling I made my monthly payment online and timely. Now Carrington has added fees to pay online so my only option is to go back to the 1990 's and mail them a check monthly. This past month, I mailed my check on XX/XX/XXXX, on XX/XX/XXXX I started getting phone calls and messages from Carrington about credit counseling. Monday XX/XX/XXXX I checked my bank account and I saw that carrington had cashed the check electronically. ( if I do that there is a fee ) The money was out of my account, so this reminded me to call them. When I called  them I was told they are a debt collector, they told me my payment was late! I told them they have there money and I have till the XXXX of the month. I was then told my payment was going to go up as a result. I was informed over the phone that my new payment was {$810.00} instead of {$790.00}. I was told they are a debt collector and they now need 2 months escrow instead of the 1 month XXXX had in the loan origination agreement. 

In short, Carrington is not XXXX, they do not do anything to reduce paper use without charging the customer, They took / bought mortgages and are not complying with the original agreement.
I recently received a copy of my credit report, and noticed inaccurate accounts being reported on my files. I.C. System, Inc. is handling the collection of these accounts mentioned. However, after reviewing my records, I am unable to find any documentation of any contractual proof of contracts to substantiate their claim. Such as provided me with certified copies of original contracts with my signature, specifically naming I.C. System, Inc. as a company entitled to enforce commercial claims against me.
This is related to complain XXXX. At this point I received no respond from this complain. They 've put in the notes that they 've contacted me through a phone call. I have received no phone call from them. 

Maybe my complain is not clear. 
I did a balance transfer of XXXX online through Chase from my Chase account to my XXXX account. 

The money did n't arrive. I called Chase they told me that there was a wrong account number on my balance transfer. I asked them why did the transaction go through, they said Chase assumes that their customers are capable of entering a right account number. 
They said what is going to happen XXXX will send the check back and they they 'll credit my account. They also said that I 'll receive a letter. 

I waited 2 months nothing happened. I called, send emails, I heard nothing from them. 

I went and disputed the transaction. I got credit. 
I was expecting that they would put a stop payment the check since there was n't a right account number. 

After one moth they debited my account for XXXX. I called, they said XXXX matched the check to someone 's account, a man, with similar last name like mine. They said there 's nothing they can do anymore and they 're done with me. They told me to call XXXX. I asked them why did n't they stop payment on the check since the account was wrong? No answer. 

At this point I have received no letter, no info, no phone call from them about what happened to the check. They just debited my account for XXXX and that was all they 've done. When I call them they say there 's nothing they can do.
Capitol one has removed 100 $ on XXXX separate occassions in the last two months from my bank account without my permission. I reviewed my capitol one account online and nowhere is the amounts noted. I called them and they also said there is no evidence they removed it and to call my bank. I called XXXX XXXX and they got back to me and said most certainly it was removed by them??? The bank is refunding my 400 $ and opening an investigation to get there money back. I owed no balance at any XXXX of those times they just outright took my hard earned cash. And had I not been paying attention I would be out XXXX {$.00} .This is outright stealing and I would love to press charges if I knew how. This company is crooks and everyone knows it. Why are they still open?
My name is XXXX XXXX and I am a member of XXXX XXXX which I check my credit score for Transunion and XXXX.

I will make extra payments on my montages and students loans to have a good credit On XX/XX/XXXX ; I filed a bankruptcy and had some collations which all are removed from my credit because it pass 5 to 7 years period.

But anytime one of the accounts removed from my credit which is positive point, but Transunion give me negative point, and bring my score down.

For example ; onXX/XX/XXXX my score was XXXX and today XX/XX/XXXX, XXXX  after all negative point removed from my credit.

My email address is ; XXXX  My phone is XXXX  I need your help to resolved this problem Thank you in advance for any help
In 2012, we got XXXX services and had lots of problems with it working correctly. After numerous calls to them without anything being done to fix the problem, we wanted to cancel the service. XXXX XXXX XXXX representative told us that they would send a return box for shipping the XXXX equipment back to their facilities and we would not be charged any bill or fees. They later turned it over to a collection agency when I contacted the collection agency I was informed that XXXX XXXX XXXX pulled it from them, which later I found out they had turned it over to another collection agency. The collection agency representative was not nice at all, telling us to pay this account in full or face criminal charges. This is not a good way of conducting business. I will not recommend XXXX XXXX XXXX services to anyone.
Southwest Credit System (    collecting for  XXXX  ) account #  XXXX  - states I owe {$380.00}. (  XXXX  )  XXXX  In    XXXX   XXXX   XXXX    I opened a cable account with  XXXX  for an extended cable package. My husband wanted a sport games Package. We went with  XXXX  because of this. The games were completely blurred out. We called often. There response was never timely. They had us reset our equipment and it would work for a day or  two. T hey sent service people out with no change. We checked Our premier channels and we were having the same problems. After 4 months we took the equipment back, paid what we owed and terminated the contract. We went with  XXXX   XXXX . That package was as pricey but they did deliver.  <P/> In   XXXX   XXXX   I discovered a negative reporting on my credit report. In  XXXX   XXXX   XXXX   XXXX   XXXX  reported I owed {$380.00}. I inquired and they sent a bill for {$440.00} In the bill {$240.00} was for early contract termination and the rest was for partial equipment not returned. In addition the bill reported payments paid for the last month we had service.  <P/> I called  XXXX  and they said the bill was too old for them to view. They suggested I travel to a payment center to see if they could pull it up. I asked for a supervisor because my work hours did not allow me to go to a payment center and I thought they could order the report or I  could FAX my b ill that  Southwest se nt and we could discuss. They transferred my call to a unit that resolved issues but the custo mer Rep  XXXX  said they probably had given us credits for when our service was out and that is all they would say. I could not get them to address anything on my bill, the early contract termination fee or the alleged partial equipment not returned. I did return all equipment. They kept reporting the bill was too old.  <P/> The issue was that my husband or I complained numerous times about our service. Yes they pro-rated us when we complained. However we did not receive the service we contracted for. After 4 months we terminated the contract. We did n't receive any bills from  XXXX , we had n't moved and over 3 years later  XXXX  reports to the credit bureau for a bill that consists of early termination fees and purported partial equipment return.
Original creditor XXXX 's debt was sold to XXXX XXXX. I called XXXX to ask for itemized balance showing how they came to the total. XXXX told me that they cant send me anything but XXXX would have that information. I called XXXX and was told that XXXX has all of the information regarding the balance, but that I was charged multiple monthly payments after his XXXX account was cancelled. Both creditors refused to send me any sort of debt validation and would not share any more information.
Mr cooper is unwilling to work with us as a result of a misapplied payment. The payment was made in XXXX and was not found and credited until XXXX. I was 2 months behind and because of the misapplied payment the account went into foreclosure. Had this payment been applied correctly this would not have happened. I called numerous times and it took 4 month for this to get resolved. I am now in a position of loosing my home and they will not work any arrangements out. I would like to pay the past due payments and have the fees added to the end of the loan. I wish to make a settlement reinstatement but each month the amount rises and its becoming impossible to pay this. I do not want to loose my home and full reinstatement is not an option but the only option they are giving me.
Electric company ( XXXX XXXX ) turned account over to debt collection agency for refusal to pay portion of my bill that resulted from utility theft/charges being placed on my account that I was not responsible for.
On XXXX XXXX, 2014 My daughter went into children hospital for a procedure. I was ask to prepay the procedure in advance so that I would receive 50 % off. I complied and paid that bill. My son became ill during shortly after when I called for to set up a prepayment plan. They said they combined all the charges together and I was on a payment plan. I have been paying XXXX a month. In XXXX I started receiving different bills. So i called in. The operator on the line state the prepayment was not applied and it would be sent for management review. She said no way I should have anything to pay. IN XXXX I was sent a multiple bills. I then called in. The lady on the phone said the prepayment was not applied and I did not need to pay it. This would be sent to review. In XXXX I received another statement. Before I had a chance to call. I received a collection notice.from CMRE I then called them. They said it was XXXX from children which is what I pay monthly. They said to call children as if I am making that payment monthly it must be a mistake. I called children and then I was told it would be sent to management review pulled back and put in the payment plan I am playing. Today children called and said that they cant see anything although the first XXXX agents read the notes to me. It was in collection and they would not help me. A final statement was sent with no explanation of benefits. Now they are destroying my credit just because I listen to them and send them still to this day XXXX a month. As our payment was achieve. I can not help it if there agents split things off my bill and failed to explain what was happening.
In XX/XX/XXXX Portfolio Recovery and Associates ( PRA ) obtained my new cell phone number from my ( XXXX ) credit report. Shortly after PRA obtained my new mobile telephone number, PRA added the cellphone number to the company 's autodialing system and repeatedly robodialed my cellphone for months without proper consent. 

I was harassed by Portfolio Recovery and Associates and I did not consent to receive robocalls on my cellular phone. I did not consent to be contacted on my telephone, and my wireless telephone number was not provided at the time of the transaction that resulted in the debt at issue. 

On XX/XX/XXXX, I requested that PRA provide proof that I consented to receive robocalls on my cellphone. I disputed PRAs right to contact me on my cellular phone and made several requests for PRA to reveal the telephone number originally provided by the creditor. 

I am aware that Portfolio Recovery and Associates violated the Telephone Consumer Protection Act ( TCPA ), and I hope the CFPB will look into the matter. I have asked PRA to provide proof of consent and PRA has ignored both of my certified letters. I have provided PRA with phone records and proof of their credit inquiry, yet PRA has chosen to ignore my claim.
I contacted Transunion to inform them that I were a victim if their inquiries issues but representative failed to take care of it. 

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I have a trial period of loan modification HARP. My mortgage was sold. Mortgage company will not send a statement. I sent my payment to the address on time. They will not acknowledge my modification, and take my payment and wo n't apply to loan. they say I 'm 49 days overdue. It is absolutely impossible to get a human being on their telephone, you can go around in the same circle for hrs.
On XXXX XXXX I received an alert that my XXXX XXXX XXXX XXXX was 30 days late. I 've verified with XXXX that the account is not 30 days late. XXXX also advised that they did not report this information to the credit bureaus. I believe this was intentional act by the bureaus as my son is involved in litigation with the bureaus. The has caused me financial hardship as I needed to open an account but with a 30 day late mark on my credit file I was denied.