WillisBack/dataset-financial-user-claim huggingface dataset:
In reviewing my monthly credit report, I note an amount of {$95.00} shown as seriously delinquent and reported to both the credit reporting bureaus and referred for collection by XXXX to XXXX XXXX a debt collection company. This has resulted in a significant negative impact on my credit score.

I have two legitimate accounts with XXXX. The first is for my principal residence which shows that the account is fully current with the next payment due on XX/XX/XXXX. That account is on auto pay with my credit card. 
I have a second account for my weekend residence which is paid for by the XXXX XXXX through a Master Contract between XXXX XXXX XXXX and XXXX XXXX and XXXX. That is included in my monthly maintenance which is also current and has a credit balance. 
The account which has been reported as delinquent and referred to collection is NOT properly my account and I do not owe any amount on that account. The error is entirely with XXXX for creating an account in my name which is NOT authorized. 
I contacted XXXX to resolve the situation. However, the XXXX Representative required an account number to proceed with assisting me. I do NOT HAVE an account number. I do not have any bill or other indicia of an account or balance due. I am unable to provide an account number for a phantom and non-existent account that I did not create, incur or authorize. 
Accordingly, I have no alternative to resolve this matter except by filing a complaint under the FCRA and FDCPA. 
I am filing this complaint against both XXXX XXXX for fraudulently attempting to collect a debt not due and XXXX for providing false credit information and referring a non-existent debt for collection. 
Both entities have created significant harm to my credit status. 
I require immediate correction of the matter with appropriate notification to all Credit Reporting Bureaus that the statement of delinquency is totally erroneous and due to an error by XXXX. In the event that I am unable to resolve this matter through the CFPB complaint process I will proceed with further remedial action against both entities for damages as provided under both the FCRA and FDCPA.
Disputed two collections on my report from XXXX XXXX one for {$780.00} and other {$700.00}. I originally tried to contact XXXX XXXX, they where rude and cursed at me. I disputed the collections with Equifax came back as verified. I am not responsible for this debt it's not mine. According to the FCRA XXXX is to have on record the and report to me these inaccuracies within 30 days. I sent the Method of Verification for these inaccuracies, the 15 days to respond has long come and gone no reply. Equifax is violating my rights according to FCRA, to verify a inaccuracies, to have on record a copy of this on file, to report to me in a timely fashion.
After closing my mortgage loan on XXXX XXXX, 2016, I found a payment of {$1800.00} was charge by XXXX XXXX XXXX XXXX 's XXXX Card account on XX/XX/XXXX. In reviewing the closing cost details I assume that a payment was going to be sent XXXX XXXX XXXX in the amount of {$1700.00} ( Other Cost, XXXX ) for termite repair. I called XXXX XXXX XXXX three times and they stated that they has not received payment from the title company. 
On XXXX XXXX, 2016 I emailed XXXX XXXX XXXX, Assistant Vice President of Sales, Freedom Mortgage Corporation XXXX ID : XXXX and XXXX XXXX XXXX, Senior Loan Processor the following : " In reviewing the closing cost details I assume that a payment was going to be sent XXXX XXXX XXXX in the amount of {$1700.00} ( Other Cost, XXXX ) for termite repair, however in checking XXXX XXXX Card account on XX/XX/XXXX a payment of {$1800.00} was charge by XXXX XXXX XXXX. Am I correct in my assumption of a double payment for termite repair and we are due refund, if not possible please clarify. '' XXXX XXXX and XXXX XXXX assured me that they would research matter. After many follow-up emails and phone calls over the past 4 and a half months, I have n't received any resolution.
On XXXX XXXX, XXXX, I opened an account with Bank of America in there XXXX Georgia branch. The Banker and I sat and I explained to him what type of account I wanted to open ( originally the XXXX  account ). The Banker had to enter in my information twice as there were two profiles in Bank of America system. After merging both old and new profile, the Banker then ran the risk assessment and Bank of America system approved me for a regular checking account. At this time, I made a cash deposit and was given all my documents. On Monday XXXX XXXX, XXXX, I made two mobile deposit of checks I received. As of then and as of the morning of XXXX XXXX, XXXX my account was open and fine. On Tuesday XXXX XXXX, XXXX, I went to use my temporary card at a gas station and was declined use. I had to wait till XXXX to talk to a Banker, who transferred me to the Risk Department ; she informed me that Bank of America was closing my account because another institution had made a report to them. I explained to the Risk Dept Rep that I went through the Banks Risk management and was cleared so I do not understand why my account was being closed. She then transferred me to an automated system ( after I asked to speak to someone who could tell me who the other Banking institution was ). This automated system would n't allow me to speak to anyone. Do to Bank of America 's Risk assessment system and the lack of proper business professionalism I suffered humiliation but having my card declined and not being able to pay for my purchase. Bank of America should have never opened the account, accepted my deposit or allowed a full day to go by without any notification that my account was in jeopardy of being closed.
XXXX has no right to be on my credit report. This same debt from XXXX Insurance company was just deleted from another company called XXXX XXXX XXXX.
my mortgage has just been sold to shellpoint mortgaging services in XX/XX/2016 ... i received a certified letter today stating i owed monies ... .they only monies i owe is this month XXXX ... the letter is certified and threatening to me ... .default with acceleration and balance is this month plus next month. the letter makes it seem they can take my home from me if balance is NOT up to date ... i have seen many complaints from this company for same reasons on google and SOMETHING NEEDS TO BE DONE. i am current ... i should receive these letters if i am over 2 months late
I received my mortgage statement for XX/XX/XXXX with a payment amount of {$9800.00} and when I add up what the document says I owe it doesn't add up. 
1. principal- XXXX 2. interest- XXXX 3. escrow- XXXX 4. other- XXXX regular monthly payment- XXXX total feels & charges since last statement- XXXX past unpaid amount- XXXX This adds up to {$8000.00} According to the statement I owe {$9800.00} I called to question the discrepancy and was informed by employee ID XXXX XXXX XXXX that she couldn't give me any information. 
Today I paid {$8700.00}. Where is the difference coming from? I also don't see an explanation for the fees totaling XXXX. This company doesn't answer my question but refers me to the bankruptcy attorney and they don't give an explanation. I really believe they aren't trying to assist me with keeping my home on any level. I need answer and cooperation with keeping my home through modification and forbearance.
During the process of speaking to the sells person at XXXX. XXXX XXXX XXXX XXXX in XXXX XXXX Louisiana, I was referred to DHI Mortgage XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX I was approved for my home to be built in XX/XX/2018, we have had several appointments throughout the build and now my home is almost completed. 

in meeting with DHI Mortgage my lender, I wasn't given the initial loan estimate after the contract was executed in XX/XX/XXXX, Their was a property address issued at the time. I spoke with another lender who reviewed my credit in XX/XX/2018 and based off of my self and my wife 's income we were never able to qualify for a loan in the amount of {$230000.00} which is the amount of my purchase agreement for this loan. 
I feel like fraud was committed against us, because accurate information was not given, DHI Mortgage ran my credit multiple times, hurting my score and I was never given any domination other than the contract to purchase and some type of XXXX XXXX XXXX XXXX XXXX. I never received any information on what my estimated monthly payments would be and the amount of cash needed to close. I found out from another lender that my payments would be well over {$1200.00} per month which is what I am comfortable with. I think that was considered unfair practices, I never signed my initial loan application with loan estimate disclosure with DHI Mortgage.
Me and my family and constantly contacted by API collection services a man called XXXX XXXX is threatening me that police officers are going arrest me. He has also told me that they are going to garnish my wages. He also said that there are court dates I have no appeared to. I called my local clerk of courts and its false. Ive done XXXX Police reports in XXXX Florida XXXX is report number XXXX and XXXX. I donot recall asking for a XXXX payday loan and i want the calls to stop API collection XXXX XXXX XXXX Extencion XXXX Also if you call them its always fast busy
I HAVE A COLLECTION FOR XXXX FOR XXXX XXXX I DONT OWE THIS COMPANY ANY MONEY, I WANT THIS ACCOUNT DELETED FROM CREDIT REPORT, I ALREADY FILED A DISPUTE WITH 3 CREDIT REPORTING AGENCIES,
I would like to submit a complaint regarding my private student loans with Navient. For the past couple of years, I have went through years of nightmare dealing with my private student loans. I could n't afford the monthly payment earlier in my career making less than 20k a year because of the interest rate was so high. 

Graduated College : XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX- My salary ranged from 52-65,000K XXXX Children and Married. 

Private loan monthly payment : 1300+ a month My Private student loan has official went to charged off : XX/XX/XXXX I have received summon papers on XX/XX/XXXX from XXXX and XXXX XXXX and XXXX dismiss lawsuit on XX/XX/XXXX after I hired a lawyer in XX/XX/XXXX During the following year, I have regularly watch my credit report and notice problems with my credit report and improper use of my report. Below is the activity on my credit report, but still shows after removing it. 

XX/XX/XXXX- 2 Navient Student loan was removed from my XXXX account XX/XX/XXXX- 5 Navient Account removed from my report. 
XX/XX/XXXX- 5 Navient Account removed from my report. 
XX/XX/XXXX- 5 Navient Account removed from my report. 
XX/XX/XXXX-2 Navient Student loan was removed from my XXXX account Dept. of Education- Loan increase {$1500.00} extra Thank you for your time.
Using the online bill-pay service from our bank to our landlord, the physical check that was mailed by the bank arrived beyond the guarantee delivery window promised by our bank. When utilizing the bill-pay site, when a payment is selected to send on Monday the delivery date reflected is the following Friday. Our check arrived the tuesdat of the following week. This late arrival of the check incurred a {$75.00} fee ( plus {$10.00} each additional day ) from our landlord due to late payment. Our bank has a 5 day delivery guarantee for mailed checks or they will refund the fees. Upon presenting the bank with a printed statement from the property manager on their letterhead explaining the fee and late check delivery, the bank has yet to make good on its policy. It has been over 60 days of calls and visits and follow up on my part. Their position has changed several times, currently the bank is refusing to reimburse us the fee. 

It is unclear why they will not honor their own policy to their customers.
Participated in my Department 's Student Loan Repayment Program ( SLRP ) and opted for 3 separate disbursement sent to Navient from United States Treasury. 

My loan was a XXXX XXXX XXXX loan and mail payments are sent to XXXX. XXXX XXXX XXXX, GA XXXX. I incorrectly put the address ( XXXX. XXXX XXXX XXXX, PA XXXX ) intended for Navient loans. Navient processes both XXXX XXXX XXXX and Navient Loans. 

My name and account number are on the check. My first payment was disbursed and cashed by Navient but it did not get credited in my account because it went to the wrong payment address. Per Navient customer service, they will cash the check, hold it for 10 days and return it to the sender without notifying the person on the account/check. 

I find it suspicious that my name and account number are provided and my account was not credited. In addition, they cashed the check ( probably started accruing interest ), held it for 10 days ( 20 in my situation ) before returning it to the sender ( United States Treasury ) without notifying me. 

My complaints are : They have my information, why not correctly allocate the payment instead of cashing and holding the funds without notifying the borrower or noting their account next time they inquire.
I am a victim of identity theft. I have XXXX unauthorized and fraudulent accounts listed with American Accounts Advisors , Inc., that do not belong to me. I continue to receive harassing and threatening telephone calls from representatives from American Accounts Advisors , Inc., representatives.
On Thursday XXXX/XXXX/17, I deposited {$8600.00} into a Wells Fargo account for a job, not knowing that it was all a part of a job scam involving fraudulent transactions and counterfeit checks. On Saturday XXXX/XXXX/17, I visited the same bank where I made a deposit, informed a banker of my situation, opened a new checkings account and had my banker file a claim in order to retrieve the funds. After all this, the account where the funds were sent was blocked and Wells Fargo would begin conducting an investigation which would lead to the {$8600.00} being transferred into the new checkings account so that the overbalance in another account would be resolved. On Monday, I wished to learn about the status of the investigation and after being transferred from department to department for about two hours, the representative I talked to was n't able to find my open claim and I had to start a new claim, even though representatives from previous calls that same day could see my open claim. I would like for Wells Fargo to keep me informed about the status of my claim so that I can have these issues resolved in a timely manner and not be forced to wait longer than I should because of their mistakes.
I have a Nordstroms account XXXX. They placed my account on hold telling me I needed to go into a store and show ID which I did on XX/XX/XXXX or XX/XX/XXXX in XXXX, TX. I was then told on XX/XX/XXXX that they couldn't verify my Social Security number and they were waiting on information from the Social Security Administration. Well fast forward I was told to go back to a store with my SSN and Photo ID which I did and then was told I needed to mail it directly to them. Which I find a little odd seeings how the mail can be lost. I called customer service only to be told I only had a certain number of days to send in the information and since I didn't the account was closed and can not be reopened. This was on XX/XX/XXXX that I was told to go into a store and on XX/XX/XXXX is when I went into the store. I was never told beforehand to send in copies of the information only told to go into a store. Now the account is closed they will not have it reopened. I received a letter dated XX/XX/XXXX saying the account was closed because of information on XXXX however nothing has changed at all. What I find odd to is they had just increased my credit limit on the account so if something was wrong on XXXX then why would they raise my limit from {$13000.00} to {$15000.00}. I wish to have the account reinstated.
The mortgage company is charging my mortgage account with an unauthorized charge of {$37.00} monthly for an unauthorized optional service. The mortgage company is unable to provide me information as to who they are paying this monthly charge to, what is the optional service account number and what is the payment recipient 's contact information for me to remove the monthly charge from my mortgage account. This has been going on for several years now. And now, the mortgage company has started charging me monthly interest on my non-payment of this disputed monthly optional service charge. I need your help in having the mortgage company remove the {$37.00} monthly charge from my account and the interest on it. I have been trying to resolve this issue with the mortgage company for years now. Please help. Thank you PS My mortgage payments are never late. Most of the times, my mortgage payment is made earlier than the due date.
Certegy XXXX XXXX has a file of my name and an account with a business that I have been informing them since XX/XX/XXXX that account was under fraud and not mine but still they did nothing to resolve this but hold this account to my name and lowered my credit score each month for an account that is not mine. I contacted them today XXXX they now state I owe XXXX and they are charging me XXXX for check return fee, the account was found to to now be mine from the start, so why have they not removed this account and so I am asking for help on having this removed they have taken from my credit score for over 7 years now.
This is incorrect and is showing up in my credit please remove DEROGATORY PUBLIC RECORD OR COLLECTION FILED Your credit report shows a derogatory public record ( such as a bankruptcy, foreclosure, civil judgement or tax lien ) or collection which is generally more risky to lenders. Note : A satisfied public record or paid collection will remain on your credit report for 7-10 years.2. TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN Missed and late payments ( delinquencies ), including the number of late payments, how late they were, and how recently they occurred, are an important part of your XXXX Credit Score. Your credit report shows recent missed and/or late payments with creditors.
I sent a letter disputing two accounts that are being reported on my credit report. The company sent a statement back to me saying they were going to remove the account from my reports for all three credit bureaus. The letter they sent has an account number on it that is not the same as the account numbers on my report. I would like to know if they are still going to remove these accounts.
I have had a previous complaint concerning Bank  of American a nd an overdraft fee.   While they claim to have fully resolved this issue, they have not and in fact it has gotten worse.   I have been charged  XXXX  additional {$35.00} overdraft fees.   The issue is that Bank of America does not fully disclose their overdraft fee policy and how they determine when and why they charge. They do not provide it to you in writing when opening an account ( I reviewed the paper work provided to me when I opened my account and all notices since ) in writing or on their website. Furthermore, their full policy is not easily accessible or found.   Bank of America does not even follow the policy they list on their site.   In other words, there is a lack of transparency and full disclosure. When I request their full policy to be provided to me, all representatives refuse to provide it stating " it goes against their internal policy. '' As a customer, to say providing a policy regarding how their account is charges astronomical fees goes against another policy makes zero sense.   Bank of America has had to settle multiple lawsuits in previous years and as a customer, the issues persist.
I have incorrect creditor collection balances. The information is incorrect. My car and apartment was broken into while I was Living at XXXX. In my lease agreement I signed gave stated I have the right to break my lease if that incident was ever to happen. While staying at XXXX my apartment was also broken into and I also made a police report. These creditors are affecting my credit with false judgement
ALL CREDIT REPORTING COMPANIES MUST CEASE ALL CREDIT INFO OM ME UNDER THE  F.C.R.A. 15 USC 1681a ( g ).
The original loans were originated through XXXX, XXXX loan when the home was purchased ( loan $ XXXX ) XXXX, {$180000.00} ) and a subsequent XXXX mortgage ( loan # XXXX XXXX XXXX. 

According to our County Clerks office XXXX released the lien for the XXXX mortgage on XXXX of XXXX and sent a letter to us on XXXX XXXX verifying the loan was paid off. 

XXXX of XXXX we filed for bankruptcy and as the process of notifying creditors our law firm contacted XXXX of our intent and they responded the total amount due for both loans was {$73000.00} and that is what the court documented as the total due. 

Throughout the time between XXXX and XXXX we have complied to all requests for consideration of loan modification. Every request was denied due to an additional {$240000.00} owed. 

In XXXX Bayview Loan Servicing is now servicing the loan ( acct # XXXX ) and are labeling the {$240000.00} as a corporate advance. 

The disturbing twist of events has paralyzed our family in fear of losing our home and due to their positioning of the events have left us without any alternative options of refinancing through another lender or selling he home. Lastly, the only secured position through liens is the second mortgage of {$73000.00}
This loan is from years ago. I was contacted by their lawyer before it turned 7 years old. I completely paid the loan, but was recently told by Advance America on XXXX XXXX XXXX oh that it wasn't paid. Originally the loan was for {$500.00} and {$75.00} in interest. I can't remember the date, it's been so long ago, but it was the last payday loan I got from them. Please help. XXXX XXXX
I agreed on a settlement amount to settle a credit card debt and paid it in full. Capital One has not reported it as Settled in Full ( SIF ) and instead left the remaining balance showing I still have bad debt. I have requested a paid in full or SIF letter from them multiple times and also sent them proof I paid the payments as requested along with a copy of the settlement agreement letter and they refuse to respond. This needs to show settled in full on my credit report instead of showing I owe an open balance still. And they also need to verify the account number on all reports is accurate because it is NOT showing correctly on all XXXX.
I RECENTLY PUT IN A DISPUTE FOR A VERIFICATION OF ACCURACIES ON THIS ACCOUNT. AFTERWARDS, THIS ACCOUNT MAGICALLY BECAME OPEN AFTER BEING CLOSED FOR ALMOST 3 YEARS. LAST PAYMENT WAS XX/XX/XXXX, CAR WAS REPOSSESSED IN XX/XX/XXXX AT WHICH POINT THE ACCOUNT WAS CLOSED. ON MY XXXX CREDIT REPORT THE STATUS HAS CHANGED TO OPEN BY THE COMPANY WESTLAKE FINANCIAL SERVICES AS PER A REP FROM XXXX AND NOW THE DATE IN WHICH IS IS TO COME OFF HAS SHIFTED A YEAR FURTHER. INSTEAD OF IT BEING REMOVED ON XX/XX/XXXX, XXXX NOW HAS IT TO BE REMOVED IN XX/XX/XXXX. I HAVE TRIED NUMEROUS TIMES TO PAY THIS DEBT ON THIS CLOSED ACCOUNT, THE COMPANY REFUSES TO GIVE ME AN AGREEMENT IN WRITING ON WHAT WE DISCUSSED ON THE PHONE, THIS IS CLEARLY IN RETALIATION TO ME REPORTING THEIR " BOOKY '' WAYS. YOU CAN NOT OPEN A ACCOUNT THAT HAS BEEN CLOSED. FURTHERMORE, THE DATES LISTED ARE WRONG AS WELL. IT IS MY RIGHT UNDER FCRA 623 ( b ) ( 1 ) ( D ) TO HAVE ANY AND ALL INCORRECT INFORMATION CORRECTED OR DELETED IF THEY CAN NOT VERIFY THE FACTS OF THE MATTER, WHICH IS THAT THIS ACCOUNT HAS MANY INACCURACIES! I AM NOT IN POSSESSION OF THE PRODUCT NOR HAVE I REOPENED OR MADE ANY ATTEMPTS TO REOPEN THIS ACCOUNT. I AM NOT RECEIVING MONTHLY STATEMENTS OR MAKING MONTHLY PAYMENTS NOR IS THERE A CONTRACT STATING SUCH.