WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2017 I attempted to dispute inaccurate information on my credit report pertaining to XXXX XXXX and a 30 day delinquency reported for the month of XXXX but was denied. XXXX XXXX has been an issue on my credit report for the past few months but Experian fails to conduct a thorough investigation in regards to reporting guidelines for creditors. XXXX XXXX continously reports delinquencies before the 30 day make has reached. The most recent occuring on my credit report took place on XXXX XXXX, 2017 when XXXX XXXX reported my account as 30 days delinquent. My payment is due on the XXXX of each month and my mot recent payment was submitted to XXXX XXXX by telephone on for XXXX on XXXX XXXX, 2017. At no time during my phone payment was it mentioned that I was past due for a additonal payment. The balance that wa reported to me when I asked was XXXX. My payment next payment due date is XXXX XXXX, 2017 and if an additonal payment is not submitted by that day then I would be considered 30 days past due. XXXX XXXX has a habit of reporting delinquencies well before they meet the delinquent mark and I have requested that Experian review my complete history with XXXX but instead they just confirm the informatin instead requiring documentation from XXXX XXXX. When I spoke with XXXX XXXX and file complaints against them they provide contradicting informaiton that suggest that they are follwing rules and in an attempt to stop any dispute process they try to request that I take a settlment in order to avoid arbortraion or any civil proceeding. I feel that Experian is allowing XXXX XXXX to provide inaccurate information purposely. I understand that each creditor reports information at differetn times of the month but my payment history reflects that payments were made before a 30 day dispute should have ben submitted. As of XXXX XXXX, 2017 I am 22 days past due. The balance they reported and the past due is also in correct. The balance that was reported t me was XXXX. Attached is a copy of my bank statement with my last XXXX payments and my original payment schedule which reflects that my payments are due on the XXXX day of the month which reflects that my account is still in good standing.
XXXX XXXX  used tactics that was not ethical when selling their product. It was a timeshare presentation that was supposed to be 90mins and we were in there for at least 6 hours. After we wanted to leave they called a manager out to sweeten the deal. After purchasing the timeshare things that were told to us was complete lies. I've tried to ask them about things promised to us and never gotten a solid response.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB XXXX/XXXX/XXXX SS # XXXX You still have not deleted XXXX as you can see XXXX has it displayed correctly on my report but you do not this has gone on for far too long you must correct tower FCU or delete it stop playing games and do your job!!! 
Delete XXXX XXXX You have id and utility bill an drivers id attached COMPANY XXXX - XXXX. XXXX XXXX XXXX - LOAN TYPE Credit Card Credit Card - ACCOUNT NUMBER XXXX XXXX - ACCOUNT HOLDER Individual Individual Account - DATE OPENED XXXX, XXXX XXXX, XXXX - STATUS DATE XXXX, XXXX XXXX, XXXX - CONDITION Closed Closed - LAST ACTIVITY XXXX, XXXX XXXX, XXXX - BALANCE {$0.00} {$0.00} - STATUS - Wage earner or similar plan - LATE 30 DAYS 0 times 0 times - LATE 60 DAYS 0 times 0 times - LATE XXXX PLUS DAYS 0 times 0 times - WORST DELINQUENCY None Reported None Reported - HIGH BALANCE {$0.00} {$0.00} - TERMS - - - SCHEDULED PAYMENT - - - CREDIT LIMIT {$0.00} {$0.00} - REMARKS Consumer disputes after resolution Chap. XXXX/dispute resolved/consumer disagrees - Contact XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX
There was a credit account opened in my name without my permission or consent. It appears this is the second time this has happened. I live in XXXX XXXX and someone at my previous address has my information and is using it to open credit accounts.
After reviewing my credit report, I found that my account had a medical obligation from XXXX XXXX XXXX, XXXX for {$210.00}. I am very aware of any payments that are due and make timely payments, so I was shocked to see this account. 

I do not recall any contractual relationship I had with this organization and all of my medical bills are normally paid by my insurance. 

In my attempts to find out more from this organization, I found out that this company is not bonded in the state of Texas according to Section 392.101. It prohibits a third party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the office of the Secretary of State. XXXX XXXX XXXX state that they are associated with another company but no designation of this fact is shown in the State of Texas database. Also the company failed to provide information supporting their claim. 

According to the FDCPA, the organization is to validate the debt, but I have not received the documents necessary to prove that this organization is owed the alleged obligation. I 've tried to work this situation out with the third-party collector and no information was forwarded. I needed to see an Exclamation of Benefits ( EOB ) and also a signed document showing proof of services provided to me. XXXX XXXX XXXX, XXXX failed to provide the information but it in violation by ruining my credit by putting on my credit report an unsupported tradeline. I tried to get information from this organization via the Better Business Bureau and received no information to this date. 

I request that XXXX, Equifax and XXXX remove this tradeline from my credit report as the organization in question has not provided information to support their claims of indebtedness, collection, or ownership.
I opened a credit card with XXXX  through TFD bank in XXXX. I paid off my balance with no late payments or balance carryovers from XXXX. 
-In XXXX XXXX had a huge data breach, and I also had my wallet stolen, and many of my credit cards had fraudulent charges as a result of that theft. 
-I reported the fraud to XXXX, who sent me a new card, and asked for additional information about what charges were not mine- I filled out this paperwork and sent it back to them, in XXXX. I did not continue to make monthly payments once I noticed the fraudulent charges, as accounts should be frozen until dispute is resolved. XXXX  did not freeze my account or remove disputed charges- they continued to charge me late fees, docked my account as not paying, and after six months, with no resolution from their fraud department except them confirming I had filed the fraud report and their sending me a new card, they had more than doubled the owed amount, of close to {$900.00}, to {$2400.00} of late fees, interest, and other charges, all incurred during the open fraud dispute. 
- In XXXX, XXXX submitted my account, exactly six months from the first 'missed payment, ' to a collection agency and to all major credit bureaus, starting an negative and costly process that has greatly affected my living, transportation, and life choices as a direct result. 
-In XXXX, XXXX filed a civil suit against me for the {$2400.00} debt they claimed I owed. After almost two years of court, XXXX failed to produce the original contract, acknowledge that I had filed fraud, and would not respond to questions about contract violations when fraud was first filed. The court ruling was to dismiss the case, as XXXX did not have the right to collect the debt from me, meaning that I was NOT responsible for the debt- it was fraud. 
-The case was dismissed XXXX XXXX, XXXX, and as a result the charges should have been removed from my credit history, the delinquent account status should be removed, and an account showing good standing with no charge offs should have been retroactively updated. This did not happen. 
XXXX XXXX of XXXX XXXX showed a charge off of {$2400.00}, saying I was delinquent, that I owed this debt, and placing the date of this as the same time they opened the lawsuit, two years prior. This appears on my credit report and still causes me great issues and financial hardship and will show as a negative until XXXX. 
-I filed disputes with all major credit agencies, but XXXX  responded with updated information, in XXXX of XXXX, stating that I was responsible for the charge off, that it was a delinquent account, which is a direct violation of the civil case they had already caused me to endure, and the case they lost. They have maliciously gone against all of my letters and request, violated a court order, and continue to affect my life and finances, ability to get a home, a car load, etc. time from work to go to court, and other stressors and negative impacts.
Due to the recent XXXX hack, I am placing a credit freeze through all three bureaus. However, there is a fee of {$10.00} to initiate a freeze from both XXXX and Experian. As this is a national consumer security issue, I think that it 's reprehensible for these companies to be extracting a fee for something that is absolutely necessary to prevent assured identity theft for millions of Americans. The CFPB needs to step in and make this process not only free, but easy to complete and navigate.
My name is XXXX XXXX and I sent money {$3500.00} to XXXX to my sister XXXX XXXX through western union for my building project on XX/XX/2017, when she got to the bank to receive the transfer is was informed the money had been picked up and they ca n't even tell her which location the money was picked up at and that I the sender will have to call western union to get that information. I called western union on XX/XX/2017 and reported the issue with them and they gave me a cawe number which is XXXX and told me to call in 20 days and refere to the case number whenever I call, I waited for 10 days and called them and I was told the investigation was completed and they have documentation from the pick up location showing my sister was actually the person who picked up the money, I disputed what the agent told me and she went ahead and gave me another case number which is XXXX and told me I will be receiving a letter no later than XX/XX/XXXX and in the letter there will be copies of the said ID used in picking up the money I never received any letter I called them again on the same day XX/XX/XXXX and the agent told me the agent who told me I will be receiving a mail had misinformed me because they do n't send out letters with such information so she said she was going to put in a request for escalation of my case and that I should call back in 72 hours, I call WU today and another agent told me the case had been closed and he advised me to contact my local law enforcement which the local law enforcement told me the crime was not committed in the county of XXXX and that western union should provide me with the pick up location so we can contact the law enforcement at that location for an investigation to be conducted but western union will never provide me with the location where the money they claim was picked up at I 'm attaching copies of my receipt from sending the money and the fraud investigation case number I think this is a fraud with western union and they need to be investigated
Bank of America previously instructed me that I would not be able to close my account over the phone and would need to appear in person or send a written letter to do so. I sent a letter to close my accounts ( checking and savings ) in XXXX ( Around XX/XX/2018 ) and moved all money from my account. I later discovered that the account was charged a service fee which resulted in a transfer from my credit card ( an apparent overdraft protection I didn't realize was in place ). Assuming it would take some time for the letter to be received and closure processed, I went ahead and paid the fee and paid the balance that appeared on the credit card because of the overdraft protection and sent another letter letting them know that the fees should be returned to me and added ( CC 'd ) a copy of the original letter. This occurred approximately 3 weeks after the original letter was sent, I honestly feel it should not have taken that long to close the account. 

Because of work, travel and some family stuff, I didn't get around to checking on my account ( with two letters, I was sure I'd done what I needed to do ). In the meantime, I was charged some minimum interest charge on my credit card, a charge I was not aware of because I didn't use the card for cash advances ( which is seems this unwanted overdraft service was considered ). I wasn't aware of the charge, it appeared about 5 days after I paid the account. 

I was told by the credit card team that I would need to contact the banking side and find out what happened. They also informed me that if the banking side closed the accounts/refunded the fees and determined it was their mistake, that they would go ahead and resolve everything with my credit card ( late fees and a 30-day late payment report to the credit bureaus ). I went through this whole process with the banking ( checking/savings ) side and they agreed it wasn't my mistake and closed the accounts, refunding all fees. They said as much to the credit card side, but that side didn't do as promised. 

My account should have been closed when I requested it. I should never have been charged any fees and my credit card should not have been charged the overdraft protection. There should also have never been a late payment notification on my credit report ( there are no others, my credit report has no other negative information ). Further, the late payment amount was reported incorrectly as {$26.00} when it was only ever the {$1.00}, though I believe this is something that I'll need to work through a different organization with. 

Bank of America has gone back and forth telling me they would fix it and that they wouldn't. I'd planned on applying for a home loan this week, but I need this resolved first.
this is a fraud case and I filed a fraud affidavit with the FTC and sent it to Financial credit, but they refuse to acknowledge the information and continue to collect and report adverse information on my credit report. I told them that I have never opened a gas service account and I never lived near or at the address they say the account was located. I was homeless or living in a VA home shelter for 10 years. I had no need for a utility.
The debt buyer Dyck O'neal Inc has engaged in multiple deceptive, unfair, and misleading debt collection practices. Please closely review the violations listed below and supporting documentation I have included : 1. Dyck O'neal Inc purchased this " deficiency debt '' for only {$1.00} and then claimed I owe them {$100000.00}. However this is totally inconsistent with the final statement I received from the original creditor XXXX XXXX XXXX regarding this property which clearly states that the Balance outstanding was {$140000.00} and the Fair Market Value of the property was {$170000.00}, leaving NO deficiency and making this a phantom debt. ( see judgment assignment and XXXX XXXX XXXX Statement ) 2. The original action occurred XX/XX/XXXX, that is over 5 years ago. The statute of limitation in XXXX is only 1 year, making this time-barred. Also I am a XXXX resident and the statute of limitations in XXXX is only 90 days. So this also violates XXXX public policy. 

3. Based on the XXXX XXXX XXXX statement I provided, my drivers license, my credit report, my address has always been in XXXX. But based on the XXXX County Public Records website ( see printout from XXXX/XXXX/XXXX ), Dyck O'neal intentionally and willfully filed this lawsuit with a false XXXX address I have never lived. Potentially disclosing my information to a third party and commencing legal action and obtaining a default judgment without my knowledge. The sewer server service denied me the legal right to defend myself. 

Since I am a XXXX resident with absolutely no connection or contacts to XXXX. It 's difficult, inconvenient, and expensive for me get out-of-state legal assistance regarding this issue so I am desperate for the Consumer Financial Protection Bureau to assist ensure a fair resolution. 

I recently became aware of this after reviewing my credit report which dropped XXXX points. I also applied for a job, and after a background check they sent me a Fair Credit Reporting act notice ( see enclosed letter dated XXXX/XXXX/XXXX ). 

Not only is this embarrassing, but this illegally obtained judgment has devastated my credit score, damaged my reputation, causing me XXXX.
My loan was transferred to XXXX XXXX by my college. XXXX then became XXXX, and since then I am unable to access any account information. Their website has stated that the login function is " temporarily unavailable '' for over 4 months. I can log in by using the " change password '' function, only to have no accounts displayed. Calling in also results in being told there are no accounts under my social security number. 

I am thus unable to view my current balance, method of payment, or any account information at all. Research shows that it is a common problem. I should not be completely prevented from obtaining information related to my loans if XXXX wishes to be the servicer.
My husband opened this account since XX/XX/XXXX and later I was added to it. The institution where we have this account is very appropriate for our business due to I 'm a very busy person taking XXXX XXXX XXXX XXXX persons in my family. When I started to manage the account I noticed that there were to many overdraft charges and I check in my notes and found that this institution charges fees on any transactions that may avoid the charge if they just make what other institutions do. Post deposits prior to the payment or activity that make out accounts to go overdraft so they can charge the fees. 
My most resent problem was this. 
On XX/XX/XXXX My bank charged XXXX dollars of overdraft fee for two transactions that had balance to be pay. 
( See bank transactions report from XX/XX/XXXX- XX/XX/XXXX attached ). 
Like this time many of these transactions became on many of overdraft fees over the three years we have been business with this institution. 
They make you open a saving account too with a automatic transfer of XXXX dollars minimum to maintain the account service fee voided and do not tell you that they will charge fees for transactions made between this two accounts ( checking and savings ). 
On XX/XX/XXXX I have been charged XXXX dollars for OD Protection fee. ( see Statement report from XX/XX/XXXX through XX/XX/XXXX attached page 4 of 6 ). 
These are not the only times this has been happened. I spoke to the bank manager the first times I saw this happen but she removed the first fees charged in my account. After a few times I reject the charges she told me that I needed to go directly to the branch where my husband initially opened the account because she was not able to remove more fees in the future. My husband opened the account on a branch that is close to his job and we live very far from his job. I definitely did not go there, so the fees continue until this date. In total I have been paid {$4000.00} according to the bank ( see attached bank letter ) I know I have been paid this money but is not right to pay some of these charges just because some institutions do n't make the right things. Please check on this and I hope you can help us, as consumers to have a voice.
I called Ally on XXXX and asked what I needed to do to purchase my leased vehicle. She stated that I needed to pay off the amount to Ally and they would then send the title and another document for me to sign off on mileage. She gave me the amount of {$29000.00}. I call Ally back on XXXX to ask for the address to send my final payment. Once talking to this gentleman he told me my final payoff amount to purchase the vehicle was {$30000.00}. I said, but I was told two days ago the {$29000.00} and that was good until XXXX XXXX. He said, sorry, she gave you the payoff amount not the amount to purchase the vehicle. I said, I did n't think that was fair and I did n't understand. It seemed like a bait and switch. I hung up frustrated. I called back a while later and told the person who answered I had received XXXX amounts. She asked me the amounts and then asked me to hold. When she came back she said the correct amount was the lower amount. When I asked her why I was given XXXX different amounts she said the gentleman calculated it wrong. Here I sit without feeling comfortable that the amount I have is accurate. In addition, I feel they are being deceptive in the way they are changing the balance. I wonder if they have taken advantage of others this way. I also wonder if they have done other things to my account that would cause me to pay more than I owe - like they tried to today. Please look into this unacceptable culture they have at Ally.
Hi Wells Fargo Bank Employees Ripped of Customers XXXX XXXX #? Accounts I Banked there, I, m Very Sad, and Appauled at this Bank, I made a Business Account in the Wells Fargo Bank, To Start a Co, when the man wanted me to use my XXXX XXXX XXXX and Bank Card, he said the Machine was n't Working about 6 Times I Slided it through? very Fishy Scene, I think theres a Hint to my Account involved in the Wells Fargo Bank Rip off s of Me, Period, I Banked my SSI Checks there for over 7 Years? I would like a Full Legal Document Stating, What are my Restitution Rights for being, Depressed, Angery, and Not Trusting Any Bank up the Street XXXX of Them? I would like a Full Total of my Rights of Whats Owed to me = From this Sick Rip off, Legaly Stating Amount $ $ to be paid to me, and Mayby I, m going to Take to Court? Please asap By
Hunt Leibert Jacobson P.C. ( HL ) has filed a foreclosure complaint in the XXXX Ct Superior court without the validation/verification required by the FDCPA, which was clearly requested by me, a defendant. In the summons they attached a letter stating they would not proceed until validation was given. They went ahead and have filed suit, months have passed with no validation. In a previous foreclosure on the same mortgage the court ordered the same plaintiff to file a new complaint and SHOW INTEREST. They have filed the complaint without showing interest. Per FDCPA the mortgage and note were rescinded and the rescission recorded on the land record in 2009. Plaintiff knows this from being served the rescission and from the previous court case that they withdrew. The supreme court is clear that the Federal Statute renders the mortgage and note void, and that disputed or not, it stands. TILA is clear a suit must be brought within XXXX, to dispute the rescission. HL and its attorneys are using the court to steal a property, knowing the mortgage and note have been void for years and further ignoring their letter that nothing would go forward without validation. Validation is legal impossibility with rescission. Foreclosure is a legal impossibility with a void mortgage and note. 
Connecticut requires a foreclosure case to move every fourteen days, the case is sitting there with no activity as there is no validation and no interest shown as required by the court. 
HL will probably file a default and a motion to foreclosure for failure to plead on the part of the defendants, when the plaintiff has not complied with federal statutes. Defendants should not have to plead when HL said it would not go forward with the case. I can not be in default on a void mortgage.