WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I initiated a dispute with Experian in regards to a bankruptcy that is listed on my credit report. OnXX/XX/XXXX Experian responded that the information in regards to this bankruptcy was accurate. On XX/XX/XXXX I wrote a letter to Experian requesting what method of verification they used to determine their accuracy. On XX/XX/XXXX I received a response from Experian stating that I should refer to my personal credit report for the furnisher or public records office name, address and phone number. The only entity that was listed was the Bankruptcy court. On XX/XX/XXXX I sent a letter to Experian explaining that I talked to the clerk of courts and he informed me that the court does not provide information to the credit bureaus. I asked Experian once again for their method of verification. I received a response from Experian dated XX/XX/XXXX and once again I was not provided with their method of verification. According to FCRA I am entitled to a description of the procedure used to determine the accuracy and completeness of the information and be provided by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. NONE of this was provided after two separate requests. I have attached a correspondences.
I responded to a marketing message from PennyMac and inquired about a refinance. I received a quote from XXXX XXXX and advised him that I will continue to shop around. I ended up finding a better deal and informed XXXX and PennyMac customer Service that I will not be moving forward with them. I heard no response from XXXX since, today I received a package in the mail that was sent to my address and had my home on the loan documents. However, there was PII data from another PennyMac consumer.
On XX/XX/XXXX, my father passed away. I am the official appointed personal representative for the estate. 

On about XX/XX/XXXX, I received a letter from the following collection company attempting to collect a debt : AscensionPoint Recovery Services LLC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MN XXXX XXXX I then called the company and spoke with a representative named XXXX XXXX ext. XXXX to find out what this debt was for. I told her that I was the court appointed personal representative. She asked if I was working with a lawyer- I told her that we were, however that as the personal representative she could work with me as our attorney charges {$350.00} per hour and I did not want and did not have to use his services for this particular issue. She then promptly informed me that the debt was for a medical credit card called " XXXX XXXX '' and told me the balance they were seeking. I asked her to mail me an invoice showing a detailed break-down of the charges, which I have yet to receive ( it has been about 2 weeks ) Upon preparing my deceased father 's XX/XX/XXXX tax return today XX/XX/XXXX, I  discovered I needed to find out how much he spent on medical expenses for year XX/XX/XXXX. I knew from the balance on his " XXXX XXXX '' card that he must have put some medical expenses on there that I need to discover in order to complete his tax return. As I have not yet received the statement I requested, I called back to AscensionPoint at approximately XXXX XXXX. 

The representative refused to provide me information saying that " because the estate has an attorney, LEGALLY he can't speak with me and has to have all of my attorney 's information to speak with him '' which I know is absolutely not true and will accrue unnecessary expenses to the estate. 

As a court appointed Personal Representative they are required by law to provide information directly to me, they are under no " legal restrictions '' as the collections agent falsely stated to " only work with my {$350.00} per hour attorney ''. Despite being compelled by law to work with me on this issue, they decided to attempt to bully me into adding additional unnecessary legal costs to my father 's estate to aid themselves in strong-arming me for a collection of debt. ( Which I can't stress enough, is absolutely not called for ) I take issue with their morally reprehensible, illegal, and unnecessary bully tactics to attempt to collect a debt.
My complaint does n't really fit your categories. My credit score is high but in my opinion it should be the very top number.
My concern is how the credit agencies decide on my credit score. I have never been in too much debt, have always paid any and all bills on time and I am rarely in debt for anything. Because I do not have a credit balance on which I must make payments ( which I certainly have in the past ), points are deducted. Because I have applied to various things ( in the most recent years ) for preapproval for a home loan and my credit is checked, points are deducted. I do not understand why I am penalized on my score because 1 ) I have no debt and 2 ) someone or some entity has checked my credit score. Why am I not at the highest possible rating? I 'm penalized if I have debt and penalized if I do n't have debt. Something is wrong with this system.
This is my 2nd complaint about XXXX. Between XX/XX/2018 and XX/XX/2018 I received 31 recorded calls from half a dozen different phone numbers with caller ID " XXXX. '' This time a recording says something about my alleged XXXX XXXX credit card. I DO NOT have such a card and I DO NOT owe anything on any other card. 

Earlier this year XXXX called me up to 3 times a day with a recorded message about an alleged debt incurred by someone named XXXX XXXX. That is NOT my name and I AM NOT that person. XXXX 's recorded message said to press " XXXX '' if I was not that person. I pressed XXXX several times, but XXXX kept calling. At the time I filed a complaint on the Gov. Do Not Call site. Incredibly, the phone calls stopped after that! Now, after a pause of several months, the calls have resumed. I am being harassed by this company.
1. Although I have along with my complaint, asked of XXXX to remove and stop billing me for the property taxes, it refused to. Instead, it instructs me to send a letter requesting the removal of the escrow account. I do not need them to remove the escrow account, because other fees may apply to it. My request is for Ocwen to stop billing me for my property taxes and to refund the amount it has billed and received. I will pay my taxes on my own. Ocwen overbills my account and always has more that was is owed to the tax collector in my account. Ocwen should not be earning interest on my money. 

2. I was told by XXXX XXXX XXXX that I had a Ballon payment. Therefore, I began to pay extra money toward the Balloon amount. I asked Ocwen to tell me if the Balloon amount is the same as Deferred amount but it never responded to that question. If the Deferred amount is not the Balloon payment, I want all extra payments made toward the principal, to be credited to the Balloon Payment that is due at the end of the loan period. 

3. Ocwen claims that on XXXX XXXX, 2017, it refunded {$680.00} but never provide me with a canceled check nor did it include interest earned for the said refund.
this account was paid in full and was never late are Charge-off please removed this incorrect information from my credit report thank you. 

XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance $ - Balance Updated - Credit Limit {$750.00} Past Due Amount $ - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Ownership Individual Original Creditor - Company Sold-to
I began receiving notices about this alleged debt in late XX/XX/XXXX from two different debt collections agencies. After written correspondence with one collector, they dropped the debt as they were not able to explain to me any sort of verification that it was valid. Since then, I have sent certified letters on multiple dates throughout XX/XX/XXXX & XX/XX/XXXX to ARS trying to get the company to verify this debt as it is reporting on my credit files. The company has only responded with automated letters without providing me any information about the alleged debts. Thus far, as of XX/XX/XXXX, the company has stopped responding to my letters.
XXXX XXXX continues to skirt around the CFBP RESPA guidelines we all have to adhere to. We have been extorted by there vendor program for years and now they are blatantly incentivizing agents to refer buyers to Keller Mortgage. Offering profit sharing bonuses, discounts to customers and not disclosing an affiliated relationship. 

This is illegal yet it seems there is no recourse. Why is it that the rest of us lenders have to follow the rules but Keller is not only allowed but incentivized to steer customers and illuminate options for consumers?
My name is XXXX XXXX and I 'm a XXXX year old XXXX living in XXXX XXXX, North Carolina. I would like to file a complaint against Navient/XXXX in regards to maximizing their profits for purely they 're own interest instead of providing better financing options and counseling and helping me payoff a loan I took out in XXXX as a young XXXX year old. Instead it ballooned to XXXX! Originally loan amount was XXXX. I 've never missed one payment over 12 years and always paid on time. Check my credit score. I often waited on the phone for hours to speak to customer service reps who I could not understand clearly and would transfer me around constantly cause they could not answer my questions. 

I have every email, letter, and bill filed away. I now have constant XXXX as it seems I 'm only working for a loan I took out 12 years ago. It 's hard as a small business owner to invest and make any improvements when you can not pay off a loan principal even after 12 years. 

Large Capitalized Interest Fees were added on frequently during XXXX. Hmmm. Interesting timing. I also had to take out a separate second loan called a XXXX XXXX XXXX ( XXXX XXXX XXXX as well ) when I enrolled in a XXXX college in XXXX, Ohio in XXXX. I 'm just about to finally pay it off and the original balance was for XXXX. 

When applying for these loans ... a child could complete the application and be approved. When I needed help because I lost my job, or could not find work due to the housing crisis and poor economy I still made every payment on time. This loan might literally be the death of me! 

XXXX XXXX XXXX
Back in 2012 I had an account with bank of America.So one day I accidently left my purse on the bus with my debit card and my id in it.Someone found it and did something with my information I informed the bank of it when it happen and I thought they would close the account since I did n't approved but they did n't so now its on my credit.
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a  reasonable conclusion has been determined.
Letter received from AMSHER requesting a payment from a debt they say I owed, they are a collection firm. I sent a letter to AMSHER within the 30 day time period, requesting further validation of this alleged debt and received no response. I did see an entry on my credit report that this is listed as a collection.
Paypal failed to disclose all the requirements needed for the person to receive money. I wanted to try this service and read all the requirements they set forth however now they inform me the recipient must have a bank account or a credit card. She is a student and has neither. Had I read this information I would never have sent the money via Paypal. There are many other companies available. 

Transaction made on XX/XX/2018 Your recipient should have the money by XX/XX/2018. 
Paid with PayPal balance Transaction ID # : XXXX
I was contacted by a former vendor I had used to repair my PC, who called me up and stated that they were going out of business and wanted to repay me $ XXXX.They asked me to click their company 's link and I gave them information to credit my bank account. Well, they called and said their new customer service rep had inadvertently transferred {$2500.00}, which showed up in my online banking transactions. They requested I go to Western Union and they gave me a print out of who to wire {$200.00} to someone in XXXX. At this point the vendor had control of my PC and had placed a password lock on it so that I could not utilize it until I had satisfied their requests. I was then told that another {$2500.00} had be placed in my account, which appeared on my online statement. Then there was another {$2500.00}, followed by a {$9000.00} deposit to my PC.. Finally realizing what was happening I quit sending money after I had sent a total of {$7300.00}. The following morning I reported this to my bank, XXXX XXXX, and they closed my account. I visited the bank that day and was helped to perform stop payment on a number of disputes. I posted a police report. I was told I was not eligible to receive the {$7300.00} in money fraud from my bank even after elevating this to the district manager.
I worked with a Debt Settlement company named  XXXX   XXXX   XXXX ,  XXXX  to pay off my loans with pay day loan lender AmeriCashLoans. Which I was not made aware nor contacted by AmeriCashLoans that they had put in a request for a wage garnishment without my knowledge when I have proof of record that I paid   XXXX   XXXX   in full in the amount of {$2300.00} for this company to settle the debt I had with AmeriCashLoans I called the corporate number that handles the wage garnishment and was treated and spoken to so poorly by a representative named  XXXX  who immediately placed me on hold to find out information regarding the reason my wages were being garnished, She returned back to the phone conversation after  XXXX  minutes to say "  XXXX  '' her supervisor said she spoke someone today about the debt settlement and its not their fault my wages was garnished without my consent or without me proper attempts to contact me that the debt agency has not communicated with them. I have never had any type of garnishment occur and for this to happen without my knowledge is wrong when I took the proper steps to settle my outstanding loan with americashloans I was a long term client of americashloans and never had such poor service, and miscommunication happen with while doing business with them And for the customer service department to think its alright to take funds out of someone pay is just wrong.
Wells Fargo is in breach of our mortgage contract. They are withholding more in our escrow account then what is clearly agreed upon. They flat out refuse to explain why. I have tried to get a explanation out of them but all they do is deflect and double talk every time I ask a direct question about why they are with holding more then what is required. This is typical for this company. They have a bad reputation and I feel uneasy dealing with them.
Over the past 6 months, I have received nearly daily calls from Portfolio Recovery Associates, based in Virginia to collect various debts from " XXXX XXXX ''. In every instance, the call starts with a demand for payment without mentioning who the debt is owed to and only when I seek confirmation do they demand that I share my social security number. I have refused and asked them to provide the last XXXX digits of the debtor. In all cases, it is not my social security number. In fact, in most cases, it is different social security numbers ( not the same XXXX ). They will not share how my home phone number became attached to the debts of different XXXX XXXX or why they can not remove me from their calling list. The agents are quite persistent, unpleasant and unwilling to stop calling. I am writing because I am not a push over, but some more compliant people will be pressured to make payments on debts they do not owe.
After looking at my credit report, I noticed several outdated and inaccurate items : The following below are inaccurate. I never live at the addresses. Please complete removed from my credit file XXXX XXXX XXXX # XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX # XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX # XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Please investigate these inaccurate items and remove them immediately and forward an update copy of credit report.
Ive reached out to this company and provided paperwork that this is a fraudulent account. Ive also made multiple calls and spoke to reps and supervisors. I have fraud alerts on my account because someone has been using my information. Upon investigation I noticed that this account has been deleted off my records 4 times and resold. If this collection company doesnt remove this off my records immediately I will be forced to take legal action because theyre in violation of the FCRA and theyre breaking the law. I would like a phone call from the company that says I owe them and I want to know that this is off my records because its destroying my credit. Im giving them one week to respond and get this removed or I will get attorneys involved.
I have been working with this servicer for the past 5 years, they are very unorganized. I submitted at least 3 full package of RMA, to the point that I am getting really good at it. I know what they ask for, application, proof of income, tax returns and bank statements. This servicer would need verification for each issue at least 2-3 times, also it is always " all we need is ''. Then turn around and requested for more information after I provided what they asked for via fax. There is a foreclosure sale day set, I am accruing their $ 6000+ attorney fees, interest and appraisal fees. Recently, I received a letter of denial, their reason is " did not receive the required documents within the timeline specified '' The application started on the end of XX/XX/XXXX, the last conversation was XX/XX/XXXX. They wanted me to verified on the phone about some issues, then they wanted me break down on a deposit on a from one of the bank statements, I faxed in the next day on XX/XX/XXXX. That was the last time I heard from the servicer. After receiving such denial letter, I called to find out what is " real '' reason for the denial. They told me it was due to the bank statement provided were too old. I would have provided more recent bank statements if they told me on XX/XX/XXXX. Furthermore, the time has lapsed since the application started on XX/XX/XXXX. I have a facsimile report that demonstrate I was submitting document in XX/XX/XXXX and throughout XX/XX/XXXX. I feel it is very unjust and they have no merit for the denial.
Portfolio Recovery calls daily, usually multiple times per day, regarding a stranger 's debt. Sometimes they leave a message, sometimes they do not. This has been going on for years.
My loan was in foreclosure in 2013. I reinstated and brought the loan current on XXXX XXXX, 2013. At the time of reinstatement I paid {$1200.00} of attorneys fees. After 2013 my loan was never in foreclosure again. My current statements shows a balance of attorneys fees of $ {$880.00}. I have asked Nationstar to specifically provide the itemization of these fees added, including when the cost was incurred and to whom the fees were paid. They have failed to provide the requested information.
Wells Fargo lost my request in 2011 for help when I thought I would not be able to pay for my home loan. PLEASE HELP find it. 
It was sent to XXXX XXXX at Wells Fargo.
In XX/XX/2016, I called and spoke to XXXX and then to XXXX at Merchant Professional Bureau regarding my complaint of their agencies reporting tactics. More importantly, the incorrect information that has been on record from the original medical provider. 
First off, there was the issue of duplicate bad debt reporting from MPB for same date of service, same amount, etc. This was acknowledged and then recognized by XXXX and removed as promised. However, it still left the one debt and I raised issue with the fact that I felt certain the provider was 'punishing ' me for refusal to pay their charges. This is unethical. 
On the date of service, I went in to the XXXX clinic after I had set the appointment and insured that when I set the appointment, I did not want to pay for unnecessary XXXX or XXXX testing or diagnostic procedures since I already knew my condition and what I was suffering with. I simply needed meds to alleviate the discomfort of severe XXXX and XXXX. I have been tested many times over the years. 
Once there, I was given an XXXX and again stated to them that " I did not want anything done that the insurance would not pay at 100 %. Well, I got a bill two months later stating that I owed {$340.00} for services rendered. 
On XX/XX/2016, I sent a formal dispute to MPB and to the attention of XXXX. I have since not heard anything form them but that this debt was removed from XXXX of the XXXX bureaus. I need for the collection agency to remove this entirely and in good faith instead of digging in and appeasing the service provider for unethical business practices.
I contacted experian to dispute something on my report and was given the run around with transfers back and forth and a t one point the representative hong up the phone on me after being half hour on the phone
I received a call from a company named STP Group for collection on a debt. I do owe the debt but was not originally with the group. I repeatedly asked the agent XXXX XXXX to send me proof of the debt and I would pay. I told her without written proof of the debt I will not pay. She said gotcha and will further process it. Obviously not following any collections rules as I repeatedly asked for proof of the debt via a letter.
After filing a complaint with this office on XX/XX/2018. XXXX XXXX has promised to make us whole and fix the reporting to all credit agencies. I have made several attempts at contacting the company and the company contacted me one time and stated they were still working on fixing the credit reporting of one of our accounts. According to all 3 credit reporting companies, 1 of the lease accounts still shows Early Termination/ Status Pending. We have received a check from XXXX with a refund of extra monies applied to our account in overage. This information does affect the credit report and has been affecting our credit reports for many months now. They refuse to correct their mistake and has sent notice to us the customer and you as the complaint receiver stating they were in the wrong and would fix the problem. As of XX/XX/18, our credit reports still reflect this information.
I am having problems with my credit score. For some reason on XX/XX/XXXX my credit score was in the 600 's,  the next day it is XXXX. I don't know what happened. I need some answers to why my credit score dropped so low.