WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX, XXXX XXXX XXXX Credit Account Number Num : XXXX Balance {$00.00} Dear XXXX, I am writing in regards XXXX Credit account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 
As of today XXXX/XXXX/16 I have not yet received any correspondence from Equifax regarding this account. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my XXXX, the Federal Trade Commission and the XXXX XXXX. 

XXXX XXXX
I have been receiving bills for care credit. I received a letter from a collection agency stating that I have a balance of {$4800.00}. I contacted the company directly when I received the first bill and wanted to know why and what I was being billed. They told me that the dental office I was going to applied for the card. I advised them that I never received a card nor did I apply for a card. I asked them to cancel it as I never applied for it. They stated they would look into it. that was back in XXXX. I am still receiving bills. I contacted them again today and was advised they would have someone else contact me. I have been trying to get this issue resolved from the first bill but still to no avail. Someone else 's name along with mine is also on the letter and the bills that I 've received from care credit and the collection agency.
I had to withdraw from the XXXX because it was a bad storm at the time and couldn't turn my work in because all of the power been off and then I been passing all my classes so I wouldn't just up and quit for nthing and i really had wanted to finish I called and had to leave my name to another advisor because at the time I couldn't get in touch with mines and this account is holding me and my family back from purchasing an house they're charging me XXXX for nothing
Hi CFPB I am filing a complaint that's related to complaint number XXXX they have change there name on my XXXX from hunters warfield to XXXX   XXXX XXXX. These guys are playing games with my XXXX and credit which isnt fair. I offered for an exchange but they will not send me original proof with my signatures showing its mine. They are playing games by harassing, threatening, using bad language very rude as I was being very respectful and polite. Their also changing the balance and their names on my report on XXXX and XXXX  its showing closed negatively and the name they have is hunters XXXX and on my XXXX its show open and a different name XXXX   XXXX XXXX. I'm just now seeing this on my XXXX under section XXXX under fcra they have violated the statue of limitations this must be removed of all my XXXX credit reports or else it's a {$1000.00} fine for each. This is a complaint I have filed related to complaint number XXXX they keep harassing me wrongfully I almost lost my job when they said I was going to be arrested at my job. This isn't right. 

Thank you cfpb for your hardwork I really appreciate your help.
I found checks being deposited or cashed somewhere written to my and I did not cash them I don't know where when or if they we're cashed but my I'd was also stolen
i do not have any credit cards in my name i lost my wallet back in 2012 and i get on XXXX XXXX to apply for a credit card and i was declined so i went to XXXX and it shows that i have XXXX credit cards that has been used in restraunts clothing stores and other places like XXXX and never got anything from XXXX ive always used go phones and now i have bad credit for something that i never did
I am writing to dispute erroneous information on my profile by Experian. Experian is refusing to delete erroneous information which has proven to be false per the Credit reporting Act. The Creditor XXXX XXXX XXXX. This account was never late. On XXXX/XXXX/2015, I sent a cashier 's check to the lien holder. In the memo line showed this was 12 months of car payments. The lien holder is now noting my account as being late. Which it has never been late. I have attempted for XXXX to delete this account as it has never been late, but yet they refuse. The Creditor failed to apply the funds as directed and inadvertently reported a late payment due to the negligence of the creditor. All parties are aware of this fact. i submitted proof/documentation of said events to Experian. The credit bureau has refused to do a proper investigation and allowed erroneous information to be reported to its agency. This has cause personal hardships.
This is my second complaint in correspondence to Transunion 's response to my first complaint. Transunion advised me to send in documents from each creditor to have the unauthorized inquiries removed as they were fraudulent, the creditors sent them in and sent me copies as well. I too sent copies of what they sent me to them, I worked tirelessly to get these to them and they continue to say they do n't have record of them. I have attached one of many documents from one of the several creditors to prove that I have sent in the documents via fax/mail and so have the creditors. I have called numerous times and they continue to tell me the information has not been received and therefore can not delete the unauthorized inquires from XX/XX/2017. There is lack of organization and filing with this company and they refuse to take anything electronically.
I received loans with these companies. I was unable to make the huge payments so I went with a debt solutions company to help consolidate the payments and lower the percentage rates. XXXX XXXX XXXX was able to get my payment to {$550.00} twice a month. Im am still really struggling to make this payment. I can not continue this payment as it is too much of a strain. I do not want to default on my obligations but the costs associated with the loans are exorbitant. Any help would be greatly appreciated as I do not wish to file bankruptcy. I am also wondering about the legitimacy of these companies to charge these high APR 's ( Arrowhead is 601.15 %, XXXX 228.37 %, XXXX ( 228.37 %, XXXX 176.03 %, XXXX 139 %, XXXX 134 % ). I reside in SC and am not sure of regulations on these companies. Thank you, XXXX XXXX
Navient calls me on an average of about five ( 5 ) times a day regarding my student loans and this is clearly harassment. I have been making payments on my student loans each month for the past three ( 3 ) years, but they continue to call and harass me for their payment. I ensure I pay the minimum payment each month, however it seems like that 's not enough for Navient to stop contacting me for a payment. 

About 6 months ago, I even started making extra payments towards my students loans to see if that would stop the phone calls, but that did n't stop Navient from calling me at least 5 times a day. When a Customer Service Representative from Navient calls to ask for a payment, I inform them that I would make a payment in a few days. They insist that I make a payment over the phone and they have no reason to ask me for a payment because I 've been making more than the minimum payment each month, sometimes twice a month. 

I understand if I was delinquent to the point where Navient was n't receiving any money whatsoever or if I never made contact with months or years. But that 's not the case. I 'm making monthly payments and it 's just not enough for Navient. They call me early in the morning while I 'm sleep, They call me during the afternoon time. They also call me at night.
My credit was spotless until I cosigned a new car loan for my son this Summer. I insisted that the lender, Toyota Financial Services. must notify me if a payment is ever late PRIOR to negative impact ( ie, 30 days past due ) .. The lender agreed according to the dealership salesperson.

One day, I received a voicemail message from a Toyota collector. My son had let a payment go past due. I finally managed to gain access to the portal online by threatening my son. I called Toyata and spoke to a lady who told me I can not do anything about notification or account access. She further explained there was nothing she could do to remove the negative information from my credit reports. I then asked her if she could put on my account to call me if the loan was ever late again and she said she COULD NOT!!! She could only notify me once it went past 30 days. So how am I responsible and get negative hits if I can not access the loan or demand to be notified?

( I also think the message I was left by Toyota is very vague and impossible to understand. I literally can not understand the call back number the caller left me. I have uploaded the recorded voicemail she left. )
This complaint is regarding a dispute with  Wells Fargo Platinum  Credit Card. I was making regular payments until  XXXX     2017  when I fell behind but continued to make timely payments. On  X/XX/17    I spoke to someone in collection and agreed to a payment plan ove r 2 dat es to bring the account current. I completed both payments on  X/XX/17    and  X/XX/17    to bring my account current. In the meantime, we sold our home on  X/X/17    when we applied for a mortgage and learned tha t Wells  Fargo reported me to the credit bureau on  X/XX/17    for late payment. This is now preventing me to obtain a mortgage. My husband can not qualify to obtain the mortgage on his own and my income and therefore my credit is required. This  XXXX  late fee on  X/XX/17    has devastated our lives, we have  XXXX  small children. I explained to them that the reason of the move is to relocate to access better public schools so that we would not have to continue the hardship of paying for private school. The latter is the reason why I fell behind for a brief period with this  XXXX  credit card.  Wells Fargo m aintains their position that my payment was due on  X/XX/17    and because the payment plan we set up was on  XXXX  and  XXXX  they had to report me to the credit bureau. I asked why they did not tell me this when they set up the payment plan and they replied that they do not have to, their job is just to collect money. I acted in good faith and trusted that the payment plan would fix everything. It did  for Wells Fargo, I jus t never thought of  X/XX/17    being the next due date since we set up the payment plan. I would have made a smaller payment to just avoid this late fee on   X/XX/17  i f I was properly informed. I feel blindsided. Poor customer service and unethical behaviors are my concerns. I can not understand how they can set up payment plans but then report you to the credit bureau. The inability to obtain the mortgage is devastating and I am at a loss of how to fight for my rights to be treated as an overall good long standing customer should be treated. I expect my bank to look out for me and its customers in the community, what happened to me is not an example of ethical community collaboration between a bank and a long standing good customer. This situation is life devastating, we are talking about 7 days from  X/XX/17    to  X/XX/17   , less than 30 days late. I intend to take this dispute high up the chain. So far, the  Wells Fargo Executive O ffices have not been cooperative and refusing to remove the report to the credit bureau. Our efforts to make better choices to reduce financial hardship has now caused a set up for additional financial hardship. We sold our home and are now unable to obtain a mortgage. Renting would set up back causing tax consequences. I intent to take legal action if this is not resolved favorably.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To WhomIt May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following addresses are reporting incorrectly and must be removed immediately The following inquiry needs to be removed immediately : XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX - I would like to be provided proof I consented to this inquiry via FCRA section 609 and  605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
The XXXX XXXX union cancelled my automatic bill pay when funds was available, they did n't notify me and I could n't get to my funds and late payment was reported and the late fees was charged to which I had to pay to protect my credit, the credit union is during nothing to correct the issue other than emailing every day and not the affected company 's XXXX fit the problem
XX/XX/XXXX : Purchased vehicle from XXXX XX/XX/XXXX : I was behind on a payment. Santander Consumer USA contacted my grandparents ( not a reference ). They compromised my information by providing the amount and the time I was behind. ( They assumed it was me on the phone due to not clearly hearing due to connection. They did not ask for any other information verify it was me they were speaking to. ) I contacted the company and my complaint was sent to several different levels of the company. XX/XX/XXXX/XX/XX/XXXX : I spoke with the VP of The Office of the President, where he set me up on a financial assistance plan for 6 months. This would lower my interest rate, but extend my contract to eight years. This did not lower the amount contracted. It only gave me assistance for a few months. XX/XX/XXXX : I am behind on a loan. I called to seek assistance, which a manager granted, if I would pay {$200.00}. The assistance would push two months payments to the back of the loan, allowing me to become completely caught up ( when I recieve regular paychecks again ). When I called the next day, the company would not honor the request and said I needed to pay more.
I was given a fraudulent cashiers check. I deposited into my savings account and made no attempt to withdraw the fund. The check was determined to be a counterfeit cashiers check. Upon learning this fact I immediately notified the supposed issuing bank. They informed me that they were experiencing a " flood '' of fraudulent checks being given to victims throughout the country. I notified my bank - Wells Fargo - and, even attempted to provide them with information relative to the actual identities of the individuals that had given me the fraudulent checks. They were not interested in obtaining any information nor willing to receive copies of the complaint I had filed with my local police department or US Postal Service ( US Postal Inspector ). Wells Fargo suggested that I deposited a fraudulent check into my personal account - suggested that it was my responsibility to know if the check was good or not - and, immediately closed my account ( s ). I asked why then the XXXX hold on the check upon deposit? The bank clearly was not a victim because they lost no funds. I was the intended victim of a scheme yet lost no money. I was quite surprised that they essentially terminated and closed my accounts - and, their fraud department would n't even engage in a civil conversation about the specific details of the scheme that was meant to defraud me.
I have a store card with XXXX through Comenity Bank. The system does n't offer automatic payments setting, thus unless you remember to pay your card every month ( which I do n't use that often, since it 's a store card ), you 're bound to pay for the late fees. I called the bank to ask if I can set up an automatic payment, and the customer service person told me it simply was n't an option. I almost feel that the bank is doing this because it wants me to forget, so that they can gain the late fees.
Received a notice from Portfolio Recovery Associates to pay a bill dated XX/XX/XXXX for a hospital bill from around XXXX. 
Amount is under just under {$1000.00}. 
This bill has been resolved for several years ( possibly prior to XXXX ) and is no longer a balance owed. They have tracked down addresses which have been out of state from where the bill originated and have continued to send notices.
XXXX   XXXX  while I was in my   XXXX   XXXX   XXXX   XXXX  l I had to go to the hospital to get some   XXXX   XXXX   done for my  XXXX . My dad had paid all dues and bills and there was no issue. On the mistake of   XXXX   XXXX   themselves they charged my me with the bill of {$190.00} that had been paid, being in   XXXX   I  didnt know what a credit report was so I never checked it. Later in  XXXX  after I had entered the military it  was found that I had a collection from   XXXX   XXXX   in NY for {$190.00} still. My dad and I both called and the issue was fixed and the balance was cleared up and they sent letters to the TEK-COLLECT to close the collections account.  XXXX  at  TEK COLLECT said he m ailed letters to the credit companies saying it was cleared up. It never was till I called him months later, this time only   XXXX   was fixed. Here I am now almost 3 years later and I was just denied from a   XXXX   XXXX   on behalf of the companies not doing their  XXXX  job.  XXXX  did not send out the letters apparently to  XXXX  or  XXXX . Today I called  XXXX  and spoke to their rep and she said they mailed letters and would send some out today as well  XXXX / XXXX / XXXX . She assured me it was fixed on their end. So  XXXX  at  TEK COLLECT possibly have  ruined my career because of them being incompetent in their job.
I purchased a home in XX/XX/XXXX and refinanced in XX/XX/XXXX when the mortgage went up to double in XX/XX/XXXX I did not know this was going to happen they tried to foreclose in XX/XX/XXXX but did not have the deed. I was not eligible for the National mortgage settlement because the foreclosure was dismissed the house sat unoccupied for 2 years I was contacted by XXXX XXXX XXXX to move back and they would help me save my home so I could sell it and get it off my credit that never happened I had to move my family from XXXX  to XXXX in XX/XX/XXXX in attempts to save the house that XXXX XXXX XXXX was going to foreclose for the second time after the there was no activity in the house for 10 years. I believe they did not go for the foreclosure XX/XX/XXXX so they would not be penalized and I would not be able to get the settlement for there misconduct. Now 10 years later XXXX XXXX XXXX  with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. are back in court trying to foreclose on this house. I hired a group to do a forensic review and was told there was robo signing and federal laws broken. They are trying to foreclose in XX/XX/XXXX. 
File Number : XXXX
Dear CFPB : I have been struggling to pay my mortgage for over a year now. I concluded I could no longer keep the home, so have been trying to sell it in a short sale for over 1 year I have obtained three qualify buyers and have been unable to close because the lender is acting in bad faith. The lender is alleging that I have to pay a {$15000.00} fee for mortgage insurance. I had no idea and was never told when I obtained this mortgage that some how there would be an insurance premium due at the time I sold my house. I now have a buyer who is willing to buy my home which the lender themselves valued at {$150000.00} for {$160000.00}. In addition, because I have been trying to do this for more than 1 year and have had numerous deal fall through with the bank, I agreed to take {$5000.00} out of pocket. Still the bank refuses and is asking the buyer to pay the {$15000.00} insurance claim in addition to the sales price of {$160000.00}, so essentially they would be paying {$170000.00} for a {$150000.00} which absolutely no one would do. I am in desperate need of your help and do not know who else I can turn to. I was neither aware of this additional {$15000.00} when I purchase this home, I can not find a buyer to pay more for a house than its worth and I can not contribute more than {$5000.00} at time of closing. Please assist me.
My loan was transferred to LenderLive XX/XX/XXXX from XXXX XXXX loans just a month after I refinanced with XXXX. In my original HUD loan agreement with XXXX it is clearly stated that I wo n't be paying escrow for property taxes as I pay the county property taxes directly. In XX/XX/XXXX XXXX sent me a new escrow statement increasing my monthly payment to include additional/new property taxes escrow. Even though I have made every loan payment to XXXX since XX/XX/XXXX before their due date they are charging me late fees because I refuse to pay them escrow for property taxes ( not in my original contract ). I have spent countless hours by phone/email to have escrow removed, they claim to have removed the property tax escrow but I still get harassing letters saying I am behind on payments asking for late fees with credit score warnings.
The company United Collection Bureau called me on XX/XX/2018. I sent a letter of validation, dated XX/XX/2018 ( I have a PDF scan of the letter, and sent it via certified mail ). However, they continue to contact me. They have called me on the following dates, without responding via mail : XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018. 

I do not know how else to get them to stop calling me at this point. My FICO credit score is over 800, and it is clear that the debt they are inquiring about is for a relative of mine, and not mine. 

At this point I am seeking legal counsel and would like to pursue whatever form of civil or criminal claim.