WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX  I  have sent the same below to  XXXX   ,   XXXX  via their RESPA address provided online ( attached ). *** I am in receipt of the attached letter stating that my recent payment was returned to you unpaid and a {$25.00} fee was assessed. I would like to know what recent payment you are specifically referring to as the attached pay history reflects my {$1000.00} payment applied on  XXXX / XXXX /   2017  and deducted from my bank account on  XXXX / XXXX /  2017  .  XXXX  erroneously applied a payment on  XXXX / XXXX /   2017  in the amount of {$1000.00} and then reversed the payment. I need this explained as I did not authorize a payment in the amount of {$1000.00} and should not be penalized with the fees of this action.   I called  XXXX , my banking institution, and they have no record of  XXXX  attempting to pull the {$1000.00} out on  XXXX / XXXX /   2017  so why is this being described as a Bank Return? I have spoken to the following representatives at  XXXX  :  XXXX  ID #  XXXX ,  XXXX  ID #  XXXX  and  XXXX  ID #  XXXX  and received a DIFFERENT story each time of whats going on- which paints a pretty clear picture.   On the bottom of the letter, there is a fee total of {$50.00}. Please explain this amount.   Please explain why my  XXXX / XXXX /   2017  statement reflects a {$0.00} fee balance and my  XXXX / XXXX /   2017 statement now reflects a {$70.00} fee balance. The Real Estate Settlement Procedures Act ( RESPA )  1026.41  ( d ) (  1 )  states all fees are to be noted on my statement. The {$70.00} fee on my  XXXX / XXXX /   2017  statement does not add up to the fees provided on the pay history sent to me by  XXXX  ID #  XXXX   (  attached ). Why are the statutory exp. corporate advances assessed on  XXXX / XXXX / 2017 ,  XXXX / XXXX / 2017  (  XXXX  FEES ASSESSED SAME DAY ),  XXXX / XXXX / 2017 , and  XXXX / XXXX /   2017  not reflected on my billing statement? Please provide a complete breakdown of EACH of those fees.     Sincerely,  XXXX   XXXX
Hello, XXXX XXXX account # XXXX is appearing as a collection. This account is no longer in collection, it has been settled as it says so on the attached credit report. <P/>Please delete the file. <P/>Thank You.
I am i victim of Identity theft and have inform these companies and also sent the necessary supporting documents and these inquiries are not being removed. 

I am not looking for credit nor have i applied to XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX. on XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Please remove these inquiries and add the number XXXX as the number to contact before proceeding with any application.
I submitted a personal letter to XXXX Equifax and XXXX in regard to inquires that are on my credit report fraudulently. I was a victim of identity theft. I was able to put a freeze on my accounts and Some inquired were removed after investigation w various credit companies. However Some inquires have not been removed as I need assistance with this. Please see list below w dates and creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I have 17 hard inquiries from different companies that I never applied with. I called the companies but since I dont have an account with them they cant do anything for me but the credit bureau keeps telling me to contact the company
I have repeatedly disputed erroneous information on my XXXX   credit report that has adversely affected me and my credit worthiness. XXXX XXXX XXXX has re-inserted an account that was previously deleted by XXXX due to a prior investigation. This re-insertion was not only done without notification to me, but also is riddled with errors and inaccurate information. I have disputed previously with XXXX   and the CFPB directly, which has still not resulted in acceptable resolution. XXXX is in clear violation of the FCRA and the CFPB has not been effective in resolving this ongoing issue. 

The entry on my report for XXXX XXXX XXXX ( XXXX ) has the following issues with their reporting : 1. Clear violation of re-insertion guidelines after deletion from a previous dispute and no written notification to the consumer 2. Creditor classification is listed as Banking - XXXX is not a bank and this is inaccurate - should be removed immediately 3. No original creditor listed on this account - how is it even possible that XXXX is verifying this information and it's accuracy with the original creditor then? 
4. Type of Account - Open - this is completely inaccurate and should be deleted. I don't have an open account with XXXX 5. Date Major Delinquency First reported is listed as XX/XX/2018, yet last payment is listed as XX/XX/2018 ( with a {$0.00} balance ). How is this possible and why is PRA verifying this inaccurate information? 
6. Why is this account reporting a High Credit amount of {$690.00}? I don't have a credit account that would justify reporting this information from XXXX! 
7. Account status is listed as Collection account but is not listed on my credit report in the collection account section. This erroneous information should be deleted. 
8. Additional information entry also lists this account as a Paid Collection but it does not appear as a collection account per XXXX 's own reporting. This should be deleted.
XXXX sent the account to Afni and they NEVER contacted me to inform they hold the debt, They never tried to give me an opportunity to settle. I ended up calling and tried to settle. 

This account is in complete dispute and can be resolved. When I switched to XXXX from the previous carrier I was mislead and out right lied to by the store rep. I later learned that the initial store rep was discharged for similarly misleading switching customers. We were not informed many financial necessities that should have been properly disclosed. Instead we were told that XXXX would take care of some charges. 

I made an offer for a settlement, and they refused.
I have been working with a loan modification point of contact by the name of XXXX XXXX @ XXXX I have left her 5 messages and no return call so I called her mgr whom is XXXX XXXX @ XXXX left him 3 messages no return call I spoke to a lady at a Wells Fargo Branch In XXXX IN today and she told me on XXXX XXXX my home was put into Foreclosure with no notice from WF that my modification was denied not a phone call about it. Also no mail or phone call that it was put into foreclosure. I have been in my home for 28 yrs and been with WF for 20 yrs and I am all of a sudden getting treated like this. I have XXXX equity in my home and do not want to move or loose my home with this kind of equity. I ca n't refinance with another company because we are behind 13 months no company will do it. I have heard WF has lawsuits pending against them for foreclosing on people 's homes without cause or working with their clients. I have worried so much about this that last 7 months that 's how long it took the modification for them only to come back and say we were denied due to FHA guidelines that you can only have XXXX modification. I. A 2 yr period which I do not remember having another XXXX in this time frame. I would appreciate it so much if you can help me in any way possible. I am XXXX and do n't want to loose my house at this age and start over. This all started cause my husband had XXXX and was off work for 3 months with no pay so I talked to WF right away for help and of course they do n't care if we loose our home Thx again XXXX XXXX Loan # XXXX Phone number XXXX Available after XXXX eastern time
There are several inquiries on my credit report that I did not authorize. I have disputed with agency and no update has taken place. These inquires are affecting my credit score tremendously and I would like them removed.
I have several hard credit inquiries on my credit report I have not approved any agencies to inquire about my credit.Also there are accounts that are over 8-years old that I have asked to be removed and they 're still there and when I request they be removed I am given the run around.
I, XXXX XXXX XXXX, am currently in Chapter XXXX ( Case # XXXX ) and filing a complaint against Ocwen for Loan # XXXX. I am in the process of a Short Sale with Ocwen on my family 's home for over 50 years, then my property for 15 of those 50 years. I am simply asking my relationship Manager to suspend or postpone my Foreclosure Sale for a 30 to 60 day period allowing my Short Sale to come to fruition and from that Short Sale, I would not receive anything but moving expenses which I am OK with. This would complete my Short Sale and give me moving expenses in Lieu of becoming Homeless from the XXXX/XXXX/2016 Foreclosure Sale. My relationship Manager XXXX XXXX would simply inform XXXX XXXX, Ocwen 's foreclosure Attorney to remove XXXX XXXX XXXX from the XXXX/XXXX/2016 Foreclosure 's Sale.
A few months ago, I realized that Citibank had charged me XXXX of dollars each month for payment safeguard, a service I never signed up for, and that the CFPB has called an unfair and deceptive practice. I called and asked to quit the program and said I wanted a refund, and was given a fee adjustment of {$700.00}. Today I realized that even after that, I 've still been incurring monthly payment safeguard charges, and I called Citibank 's payment safeguard office again. ( I spoke to someone whose employee reference number is XXXX, if that 's relevant. ) She told me that the account showed that I had indeed cancelled the service, and she could n't explain why I was still being charged. She said she would put in a request for a refund but that it was n't up to her. This is XXXX of dollars a month. I do n't know what to do.
I would like to report the actions of the Credit Reporting Bureaus and XXXX XXXX  for XXXX XXXX ( credit card # XXXX ) to this forum for investigation into the matter of their illegal reporting and re-aging of an account on my credit report that should have been removed by now and is appearing past the statue of limitation while containing illegal information which is damaging my credit score. The account has had absolutely no activity and has been closed off for over 7 years and yet it was updated as active, delinquent and every piece of damaging information was renewed, re-reported and re-aged dropping my credit report dangerously low ( FCRA 605-15 U.S.C. 1681c ). This is unlawful and the credit reporting bureaus have absolutely no right to allow this reporting to continue on my credit reports based on FCRA law which protects consumers when it comes to handling negative information ( FCRA 623, 15 U.S.C 1681s-2 ). I have taken this case up with XXXX XXXX  of they tried to convince me that once a payment was made the account would fall off and not report against me, I realized that that was inaccurate and that they already had sent me to collections and were attempting to collect on the same debt twice. This is also illegal on them because XXXX XXXX can not request payment on a closed account past statue. I will be pursuing legal action against them and I will include the credit reporting bureaus in the suit of they do not delete the account in question. I found out what they were doing and stopped payment on my check immediately.

I have attempted to negotiate with both XXXX XXXX and The Credit Reporting Bureaus via mail, phone and online but I am constantly given generic and meaningless responses and I am tired of it.
I am now out of work due to a XXXX and can not make the payments. The lender is unwilling to work with me and I 'm worried about what will happen next.
this debt was paid off in duress to XXXX XXXX in XX/XX/2016. I did not owe a bill. the tablet that was ordered on my account was not ordered by me. I sent it directly back without even opening the product and was still charged. all services were cancelled with nothing to be used and still double charged. I paid to keep it out of collections and yet still it is in collections. this company has been a complete headache and refuse to render any assistance.
I filed a complaint against two mortgage companies, Aurora Lending Services and Nationstar Mortgage Company ( XXXX ). The former filed foreclosure on me, even though I was current on payments and provided proof ( cashier 's checks ) that I had responded as the modification contract required. Still they filed foreclosure.
<P/>
I lost {$57000.00} in down payment money ( See complaint:XXXX ), years of paying a mortgage with a 10 % plus interest rate, and I have been fighting this matter since XXXX. In XXXX, I surrendered the property in a chapter XXXX that was approved and confirmed by the court. Years later, I discover that Nationstar filed a foreclosure on me in XXXX which is preventing me from securing a mortgage today.
<P/>
Nationstar responded to my complaint with CFPB by sending a message to a former attorney we had retained in XXXX. One problem with their response is that the attorney does not represent us. Another problem is the attorney has been debarred and has lost his license. for mortgage-related client misrepresentations.
<P/>
Please intercede and ensure that all responses are sent to me, not to the previous attorney.
Someone called me and said that i owe money for the state of Maryland, i called the state of Maryland office and asked then if i owe any money to the state, they asked for my personal information i gave everything to them and they said that i do n't owe anything to the state, now some debit collector company reported me. 
I never got a letter from them just a calls. 
I checked my credit score today and because of them my credit dropped a lot.
On or about XX/XX/XXXX my identity was stolen. Pulled credit reports on XX/XX/XXXX and saw Ace Cash Express had done inquiry and after reviewing my XXXX XXXX report saw actual payday loan was opened for {$330.00}. My credit reports had incorrect information including telephone numbers and employer. Filed reports with FTC and law enforcement. Contacted ACE and they would not discuss with me because I said it was a fraudulent account. On XXXX provided them with report from law enforcement, FTC report, proof of employer, and documentation that checking account funds were deposited in was fraudulent and closed by XXXX XXXX. Information was sent via internet several times ( as instructed to XXXX and USPS certified mail. Also provided email address and telephone numbers that were used to open XXXX XXXX accounts, which are also not mine. 

Made several attempts to find out if information received or other information needed. When I call I'm told to send email, send email told to call. At no did I or do I have a business relationship with Ace Cash Express. Further details can be provided upon request.
I deposited XXXX {$1000.00} United States Postal Money Order to my Bank of America account ( XXXX ) with total of {$3000.00} on XX/XX/2016. Bank of America debit {$3000.00} from my account and closed it on XX/XX/2016. I spoke to the branch manager XXXX XXXX to find out why my account was closed. He said Bank of America did not received money from United States Postal Service but according to United States Postal Service, these XXXX money orders were cashed by Bank of America on XX/XX/2016. I have been calling Bank of America for last six months about this issue but they were not returning my calls. The Bank of America reference # for this case is XXXX. I have attached communication letters from United States Postal Service and Bank of America.
Im a victim of identity theft and have had a fraudulent credit card account opened in my name with a company by the name of XXXX XXXX. I have a fraud alert on my credit file, and have sent them my police report, affidavit from the FTC, and sent them information regarding this being a fraudulent account. I didnt consent, authorize, apply, nor request for this fraudulent credit card account to be opened in my name. The address on file does not belong to me, the account was not authorized to be open by me, and Ive been a victim of identity theft over a year. The XXXX police department deemed this fraudulent account as a fraudulent credit card account, and it is documented with the XXXX police department that, Im a victim of identity theft. There is also a address on my credit file reporting that is a fraudulent address as well in which, I never resided at the address listed. I have that address listed on my FTC/IDENTITY THEFT REPORT as a fraudulent address as well. Per the FTC if an account is reporting inaccurately or if a consumer is a victim of identity theft the account is suppose to be removed off of a consumers credit file. Due to the fact the perpetrator who opened up the fraudulent account in the consumers name used the consumers personal information to have the fraudulent account opened. Identity theft has been on the rise for a very long time now, and several consumers are being affected by individuals stealing their personal information using it to open up accounts in consumers name. Im a victim of having someone steal my personal information and use it for their personal gain which has lead to this issue, Im having with this creditor. Im not going to be liable nor responsible for a fraudulent credit card account being opened in my name as if, Im the one that applied for this fraudulent account. Ive also submitted a FTC/IDENTITY THEFT REPORT as well with the government deeming this account as a fraudulent account, and this account need to be deleted/removed off of my credit files asap. This is not my account, and I shouldnt have to deal with an issue as such. I need assistance with having the account removed off of my credit files, and out of my name immediately.
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX SSN : XXXX Experian XXXX. XXXX   XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, you are required by federal law to verify-through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately Name of Account XXXX XXXX XXXX Provide Physical Verification Creditor 1 XXXX C/O XXXX XXXX XXXX UNKOWN XXXX XXXX XXXX XXXX, SC XXXX
Over a year ago due to personal circumstances my mortgage fell behind two or three payments. When speaking with the Nationstar collection representative they promised to take all outstanding late fees and penalties off my account if I brought the mortgage current with one payment for the balance outstanding. I made the payment and was told the adjustment for removing the outstanding late fees would appear on my mortgage statement in approximately 60 days. Months passed, the adjustment never occurred. I have called numerous times, waited on hold for extended periods, been promised someone would investigate and follow up with me. Nobody has ever followed up, nobody gives a satisfactory response and when I ask to speak with a supervisor I get put on hold for so long that I eventually have to just hand up and try another day. The only response I get to my inquiry is that the credit collection person should n't have promised to waive the late fees. That is an unsatisfactory response. The collection agent did promise to waive the fees if the mortgage was brought current, which it was, and Nationstar should be held accountable for honoring the commitments their representatives make when attempting to collect a debt.
I have reviewed my XXXX Credit Report and have found multiple issues with out of stature accounts reported as collection charge offs with various creditors as well as Student loans being reported 30 or 60 days late while under deferments. I also identified erroneous billing issues due to promotional interest rates of 0 % for 12 months being billed at 21 % and my inquiry to this with the credit directly goes ignored.
On  XXXX   XXXX ,  2017 I did  a balance transfer of  XXXX . I called american express and was told that counted towards my payment for  XXXX   XXXX . Ion  XXXX   XXXX ,  2017 I ca lled them to make my  XXXX   XXXX  payment. I was told I could use my blue rewards cash rewards as part of my payment, so I did this and made an additional  XXXX  payment. On  XXXX   XXXX ,    2017 I g et a call saying I am late with my payment. I set it up to come out on  XXXX   XXXX . Then I looked up my account and remembered I made my payment, so I called back and was then told my balance transfer and my blue rewards did not count as a payment.his is completely wro ng 4  people told  me four diffe rrrnt thing.
I contacted Afni Inc. account number XXXX on XX/XX/2017 and spoke with a lady letting her know I had received a bill to settle. I explained to her that I was moving out of state and had already quit my job and I would pay as soon as I could. I was told if I put {$100.00} down I could secure the settlement of {$670.00} then could pay the rest when I get a job. When I called today XX/XX/2017 I wanted to pay the {$100.00} and let them know I could pay rest when I get a job. I got a new gentlemen on the phone he would not look back at the old conversations and kept telling me I had to pay by XX/XX/2017. I told him over and over again I was unable to commit to balance by that day cause I do n't have a job yet. He was really nasty and just kept saying if not taken care of by that date he could not help me.
XXXX XXXX XXXX not only did not verify my information other than a name before stating I owe money, next they refused to answer my questions about their validation process and immediately were rude informed me they would mark my file as refusal to pay which at no point did I state anything to that affect and I was told the file would be turned over to an Attorney. At no point did they listen to me or have any willingness to find a resolution
Loan was a home I purchased in XXXX XXXX NV. Lost home in foreclosure. This loan should have No Money Past Due or an outstanding balance and no lates. Bank of America got their security back in the foreclosure. Should show zero due. and no current past due payments. Only being reported by XXXX and XXXX