WillisBack/dataset-financial-user-claim huggingface dataset:
Reviewed my credit reort on XX/XX/XXXX. Found XXXX XXXX XXXX had listed me delinquent for 2 months, never heard from them prior. On XX/XX/XXXX at XXXX called and spoke to XXXX XXXX to ask questions about information. They wanted my current address, I told them no they had my info from credit reporting agency. Was told I had to talk to dispute resolution and got transferred. At XXXX to XXXX XXXX who immediately when told what I was inquiring about advised me I had wrong department, gave me reference number XXXX. Transferred me to XXXX XXXX ( XXXX ) who transferred me to XXXX XXXX ( XXXX ). I asked for details and was told they could not give to me and I would have to write to -ERC XXXX XXXX XXXX XXXX Fl XXXX to get information. I said I would, then XXXX said I had to give her most recent mailing address or they would not respond. I had a XXXX XXXX account several years ago, returned equipment ( shows XX/XX/XXXX returned, but I know it was before then ) and after fighting about return, they listed me as delinquent on credit history. That finally went off my credit report. Now XXXX XXXX appears showing 2 months delinquent and today is first time I spoke to them or had heard from them. They should have to supply a detailed bill of what {$570.00} entails and since no prior business contact with me, I want them removed from my credit report immediately. Is it legal for XXXX XXXX to give my personal info ; including social security number to someone I have no business contact with?
Transunion has fail to delete negative unverifiable information on my report. there are accounts with recent monthly payments but account have been closed and have been verify by the original source. there is past due balances on every account that has been closed. Collection companies have fail to provide me with proper documentation of adverse accounts. results from Transition indicates accounts have been sold but they still are been verify.
XXXX XXXX client XXXX XXXX is an identity theft victim ; his information was used without his consent to apply for several credit accounts. While the accounts were not established the fraudulent applications resulted in fraudulent inquiries on his credit reports. One of these was with XXXX XXXX ( XXXX ) while a dispute was sent and a clearance letter received of this inquiry however a credit report ordered XX/XX/XXXXshowed the fraudulent inquiry from XXXX reported to TransUnion credit bureau XX/XX/XXXX. This is a violation of the FCRA.
Equifax deleted Bankruptcy filed on XXXX Between XXXX XXXX and XXXX XXXX, XXXX and then reinserted it without notifying me. It is my understanding that I am to be notified before any debt is reinserted on my credit report. Equifax also re-inserted a Judgment from XXXX without notification.
Filed a dispute with Experian Report Number XXXX, XX/XX/2018 and I included a consumer statement to be placed in the file. 

Received the update credit report and no reference was placed in the file to my consumer statement. Their management, supervision and follow up is very poor at best. 

They are more concerned with signing you up for fee based services than correcting errors. When you call their number their messages while on lengthy holds are allow about selling you services. 

The legislature needs to remove the loop holes in the law that allows them to operate in this fashion. Thank you for look into this.
I am a former employee who banked at XXXX. I was literally forced to have an account with them or receive a paper check which would take forever. I closed my account with XXXX on XX/XX/XXXX and I left the company on XX/XX/XXXX. I requested a paper check for my last check so nothing would come through the account and reopen it. I made sure there was a zero balance on the account when I closed it. On XX/XX/XXXX XXXX deposited my last check of {$11.00} into a closed account after I requested to receive a paper check. By the direct deposit hitting the closed account that automatically reopened the account and on XX/XX/XXXX a preauthorized withdrawal hit the account for {$29.00} which at this point was not authorized and had XXXX left the account closed and not made an unauthorized deposit the account would have remained close. Instead I was charged overdraft fees and these preauthorized withdrawals attempted the account on XX/XX/XXXX and XX/XX/XXXX both causing more overdraft fees. In the XXXX lawsuit, XXXX settled for over {$24.00} XXXX for predatory practices. XXXX has a history of erroneously charging overdraft fees and my experience is another case. Derogatory information has been placed on my credit report causing lending denials. 

I contacted Amsher directly to verify this debt and instead of actually researching the debt, I received bank statements with my personal information on them. That is not verifying the debt. 

I am filing this report and if the negative information is not removed my next course of action will be to take legal action against Amsher and XXXX.
XXXX took me to court for late rent, I was on a program called Section 8.My rent was {$1100.00} amount and Section 8 paid {$480.00}. Landlord took me to court for {$610.00} which I had the money order when I went to court but the landlord did not show. After living there over 5 years I explained to the judge that the landlord was sealing the home and did n't give me proper notice to move out.The landlord know I was going to bring that up in court so he did n't show. CASE WAS DISMISSED, so what the landlord do is turn around and put it on my credit report stating I owe {$3500.00}. Landlord is now stating carpet, paint and unpaid rent he now stating was {$360.00}. HE IS NOT TELLING THE TRUTH ALL THE WAY AROUND. If I owe all this way he did n't show up in court and when he filed why he did n't state I owed all this.
I was sent a solicitation to receive XXXX XXXX XXXX XXXX for signing up for the XXXX XXXX Citi card. I went online and applied for the card, there was a lock on my credit so I had to call back to get it unlocked. When I spoke with the person they approved the card and congratulated me on receiving XXXX bonus miles once I spent {$3000.00}. After several months of using the card and spending well over {$3000.00}, I was told that I did not qualify for the miles because I had closed a similar card less than 24 months before. I find this false advertising and bad business! When my credit was pulled they clearly could have seen that I closed the card within 24 months and either denied the card or let me know that I would not receive the miles!
The First mortgage on my home is held by ClearSpring Loan # XXXX in the amount of {$210000.00} Contact number XXXX The Second mortgage - Select Portfolio Servicing Loan # XXXX This is a Equity Line of Credit Refuse to work with me they are not the first mortgage. <P/>They say that I owe {$520000.00} I say I do not according to the documents that I have. Select Portfolio Servicing would not allow me to give a loan modification package of any kind for review for the Equity Line of Credit and the payments go up every month. <P/>They sent me a repayment plan for {$6700.00} never requested any financials or documents from me. When I did not accept the payment plan with a balloon payment at the end of {$470000.00} they put me into foreclosure with a pending sale date of XXXX XXXX, 2017 at XXXX XXXX. <P/>The foreclosure document Notice of sale states : Supreme Court County of XXXX XXXX XXXX XXXX XXXX XXXX, as Trustee, on behalf of the Certificationholders of XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX Mortgage Pass-Through Certificates, Series XXXX, Plaintiff against XXXX XXXX XXXX, Defendant ( s )
I paid off and closed a HELOC account with Citizens Bank at the beginning of XX/XX/XXXX. It was paid off in two payments, the first was applied incorrectly. It should have been 100 % principal and they split it into principal and interest. The payoff amount increased when I went to pay it in full two days after the first payment. I made and documented numerous calls to customer service to resolve the issue. They credited me back a {$25.00} fee because it was an annual fee and the loan was paid off 6 days after it was charged. They calculated an overpayment of {$53.00} and told me this would come back to me in the form of a check. For a couple weeks I would follow-up by phone and be told it was in process. Then after the first week of XXXX I was told they couldn't see it in the system, " there was no overpayment ''. At no time, when I have requested, has anyone at the bank been willing to give me a numerical breakdown of the payoff calculations.
On XXXX XXXX I made an on demand transfer from my PrePaid Citi US account to my XXXX Citibank currenty account for the amount of {$2500.00}. The money never reachd its destination. This transfer had been performed on many other occassions over the last 3 years with no problems, however this time the money is missing in cyberspace and I find the reaction of Citibank, or XXXX who appear to be doing the investigation as unsatisfactory. It has almost been 2 months that my money is missing, they have acknowledged that the transfer money was taken out of my account and say that this is being investigated but this is really not good enough as I am suffering as a result. This money should be returned to my account and they can deal with their administrative mistake afterwards. This has put me in a very tight financial situation and has left me without being able to pay my bills - I have since received charges from the bank from unpaid direct debits and have had to ask for an overdraft - this is very stressful and upsetting and through no fault of my own.
I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX XXXX opened XX/XX/XXXX closed XX/XX/XXXXXXXX XXXX
Levy placed by State of NC on XX/XX/XXXX. Levy released onXX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX X 2. Bank seized both mortgage payment and car payment ( to Wells Fargo ), about {$1000.00}, causing both to be late. Branch Bank repeatedly passed the buck to Legal. Legal Dept is impossible to get on the phone, with wait times exceeding 39 mins for all calls made to them. Legal Dept has hung up when I started pressing the issue of withholding funds after the State has released them. As of XX/XX/XXXX they  have seized another {$680.00}. A branch banker in my hometown has a contact with Legal that told them if there was a medical emergency Wells would release funds immediately but that otherwise I was " XXXX ''. The XXXX is a quote from Wells. Contact also stated that Wells was prepared to release the hold on XX/XX/XXXX. This appears to be an arbitrary date for Wells convenience. When all is said and done Wells will have withheld approximately {$3000.00} for at least 10 days more than authorized by the State of NC.
I set up autopay for my student loan weeks ago. I set it the autopay for the date the bill was due. My due date was two days ago and my autopay has yet to be debited from my bank account. I am now considered late. Late fees have been applied. This payment is now reflecting on my credit report.
I checked my credit report, noticed two inquiries from XXXX XXXX, XXXX and Prosper that I'm unsure of where they originated. I have not applied for any new accounts because of my open bankruptcy yet inquiries from different courses keep popping up. I have added fraud alerts to all of my credit files with each credit bureau.
On XXXX XXXX 2017 I called Equifax at phone number XXXX and spoke to a woman by the name of XXXX I expressed to her that I wanted to request method of verification under section 611 of the FCRA she quoted to me a portion of the law and stated that she is not required to provide method of verification I then asked for her ID number she stated she did not have one.I find it absurd that she would not provide me with a method of verification for a disputed item belonging to a XXXX # XXXX reporting on my credit report because if you get a response to your dispute from the credit reporting agency saying the disputed item was verified you have the right to request the method of verification under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). The confirmation number she provided me for this call was XXXX  clearly she does not know the law and now Equifax is in violation of the federal law!
Currently, my husband and I are being sued by a law firm representing the City  XXXX   XXXX  Water department. We filed a Chapter  XXXX  in   XXXX   XXXX    . Our rental property was included in this bankruptcy. However, fro m   XXXX  - XXXX  un til the bank took possession of the house, we were charged for the non-meter water account. We received notification from the  City reg arding this debt. Each time we forwarded the information to our Bankruptcy attorney who assured us that he would handle it. Clearly, they did n't take care of it because we was later sue d two yea rs after our BR was  discharged. I  'm being ignored by the water department and the attorney working on behalf of the  City of   XXXX  is trying to use a sledge hammer approach to handle this account. Moreover, I 'm filing this complaint against  XXXX   XXXX  because he committed an ILLEGAL ACT under the Fair Debt Collection Practices Act ( FDCPA ) by stating twice in an email.  XXXX   XXXX , falsely claimed that because the debt was tra nsferred ( a judgement entered against us ) was final and there was nothing we could do because our time have lapsed. Therefore, we lost our de fense. Which was a total fabrication on  XXXX   XXXX  's behalf. The fact is, we still had the opportunity to file a motion to set aside the default with the  City o f  XXXX , which we did.
On or around XXXX 2017 I contacted ARS ( Advanced Resolution Services, Inc. ) in regards to obtaining a copy of my report and to also put a freeze on the file due to identity theft and/or a merged file. On two different occasions I faxed over the request documentation and each time the company would respond in writing stating I need to provide proof of identity although I had done that both times by providing my GA drivers license, and SSC as well as a bank statement/XXXX. On XX/XX/XXXX, I received again the same exact letter from the previous two attempts but this time I included a notarized copy of the information mentioned above. On all communication the reference Log # XXXX.
HSBC claim deposit in my account was counterfeit this check was issued from XXXX XXXX XXXX XXXX for my cousin who was XXXX from XXXX. HSBC dont wan na replace the check because they cant properly tell me where the funds is at. I need documentation that states cgeck indeed was fraud which I know was not the check was XXXX I have also contact the insurrance company that comfirms check was not fraud so I need to know where the bank is getting this information any fraud checks the bank gets a XXXX security form to fill out I will like a copy
To Whom It May Concern ; We are writing to voice a complaint against XXXX Mortgage company, XXXX, CT XXXX. 

Our property at XXXX, FL XXXX received water damage in XXXX. We contacted our insurance company immediately ; XXXX, on XXXX. An adjuster assessed our property damage. XXXX checks were issued based on the adjuster 's report ; XXXX for {$10000.00} in XXXX and XXXX for {$7100.00} on XXXX. XXXX checks were made out to my husband, myself and our mortgage company Seterus Inc . 

After contacting XXXX to inquire about the process for getting these checks endorsed to begin repairs on our property we received a claim number and a full packet of paper work from XXXX ( the claims department of Seterus ). The package was completed by ourselves and the contractor and faxed back to Seterus ( QBE ) as instructed. We were told to endorse the checks and send it to XXXX claims department and they would release the funds so we could get the contractor started on the repairs. 

We have not received our money as of today XXXX. I spoke with representatives at XXXX claims department on XXXX, XXXX, XXXX, and finally was told everything was in order. we would have the checks issued to us by the end of the week. No check arrived. I called today, XXXX and was now told that we needed an updated certificate of waiver of lien from the contractor and a complete adjusters report from our insurance co faxed to them. All of this information was sent and our file was complete. 

This is very, very frustrating. Can you please help us get our insurance money from XXXX so we can get our property repaired?? Thank you Sincerely, XXXX and XXXX
initially I was not informed about the switch from XXXX to navient. I over looked that. then I never got any letters about my loans. so I tried to log in. it failed and I went through all sorts of trouble shooting stuff. months later finally logged in. they had my address entered incorrect and with everything else it made me XXXX months in default on my loans. with XXXX they were in forbearance and since I was never notified of the change for almost a year ( saw a commercial ). now I am {$200000.00} in default on my student loans and they will not to anything to help me fix it.
I need to File a complaint on Wells Fargo On Sunday Night XX/XX/XXXX at a XXXX  gas station with My visa Debt card the Transaction was approved So today I received a email from wells fargo saying that I have a {$35.00} Overdraft fee. I feel that Wells fargo is completely wrong for doing this The funds were in my account during the transaction But they wanted a few days to charge me. I spoke with the rep at wells fargo she claims that it's is up to the merchant to collect the payment that is complete XXXX on behalf of wells fargo. they took the money out of my account at the time of the transaction because it was approved Wells fargo I want you to remove that XXXX over draft fee asap ... this is a complete rip off of your bank!
For the XX/XX/XXXX tax year Wells Fargo bank issued an incorrect IRS Form XXXX stating that my rolled over IRA account was a normal distribution and the entire amount is now taxable. On top of that, they also issued another Form XXXX for the required minimum distribution from that retirement account. The rollover of my IRA account took place inside the bank on the same day. 
When I requested a corrected Form XXXX, the bank employees stated they could not do so but the bank would be sending out some other Form in the Month of XX/XX/XXXX that would clear everything up. I do not know how to submit my XX/XX/XXXX tax return with this paperwork and I do not understand why there is such a paperwork problem with a simple IRA rollover.
XXXX XXXX XXXX has failed to respond to my cfpb complaint XX/XX/2018. I have yet to receive a response from the cfpb or XXXX XXXX in regards to this matter. XXXX XXXX failed to complete an accurate investigation within 30 days and report back to you and I accordingly. Both postings totaling XXXX in bad debt posted to all credit reports should be removed immediately. XXXX XXXX failed to adhere to the collection standards as defined by the FCRA.
In XXXX my husband and I, jointly, refinanced our home through Ocwen Financial Corporation. In XXXX we filed a Chapter XXXX Bankruptcy confirming our mortgage through Ocwen. We were able to overcome financial difficulties and become current on our mortgage. In XXXX my husband died and I continued to pay the mortgage. I have perfect payment history. My credit history shows only the XXXX Chapter XXXX and NO PAYMENTS to Ocwen. I have called and written several times asking them to correct this issue. They have done nothing. My credit score is adversely affected by the negative reporting and I have no positive payment history because they have refused to correct the reporting. I think this is a violation of my rights as a credit consumer. I have made repeated attempts to correct this through Ocwen and the XXXX. Please let me know what I can do.
There was an unauthorized credit pull from XXXX XXXX that in turn cause me to obtain a hard inquiry on my credit report. This hard inquiry reduced my credit score. I was not aware nor authorized this inquiry on XXXX XXXX, 2017. I will like this to be removed from my credit report because it is fraudulent and I am a victim of identity theft. Along with XXXX XXXX, XXXX and XXXX XXXX was pulled fraudulently.
I received a letter claiming that I have unclaimed property on a debit card account thru XXXX Bank. I have never had an account with XXXX nor havei ever heard of them. They said that if I do n't contact them by XX/XX/2016 Indiana will claim the amount. I do n't know wwhat they are talking about.
I don't understand why these accounts are showing up with inaccurate information, this needs adjusting because it was not paid late, payments were made on time on My two XXXX XXXX XXXX  accounts, and XXXX XXXX XXXX,
I placed a security freeze on all 3 credit bureaus as I was a victim of identity theft. No one is supposed to be pulling my credit report or extending lines of credit without calling my first and no such thing has occurred. The only inquires on my report that are valid are the ones coming from XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX  All other inquiries were unauthorized and I have reached out to the credit bureaus to investigate but have received no help on the matter.
I closed on my first house on XXXX XXXX of 2016 and my mortage company Ditech has not paid my property taxes for 2016. They have had the bill since XXXX of 2016 and I have been getting the run around over the phone with them. I am about to have a lein on my property
In XXXX or early XXXX I began receiving collection calls from XXXX XXXX on my cell phone number trying to collect some undisclosed amount of money from a customer named ( or similar to ) XXXX XXXX ( sp? ). 

At the time of recieving the calls I informed them that no one by that name was at this number, nor had been at this number for the 12 years that I owned this number. The calls continued. After several more calls I called XXXX XXXX and spoke to a " manager '' who assured me the number would be removed fromthe accouint. The collection calls continued and I actually changed my voicemail greeting to REMIND XXXX that XXXX XXXX had never been at this number and to stop calling. 

In XXXX of XXXX I contacted the XXXX XXXX XXXX who opened dialog with XXXX XXXX. After filing this complaint I received a call from XXXX XXXX XXXX ofice who assured me that I would receive no further calls on this matter and that references to my number would be removed from the file. I thought at that time that the matter was resolved and for almost two years that seemed to be the case. However, on XXXX XXXX I AGAIN began receiving calls from " Diversified Consultants '' a contracted debt collector for XXXX XXXX, AGAIN trying to collect on this debt from XXXX XXXX ( sp? ) This is NOT a debt I owe. 
XXXX XXXX has never been at this number AND XXXX XXXX has been made aware of this repeatedly. 
I can not possibly provide them ANY infomation about XXXX XXXX since I have NO CLUE AS TO WHO HE IS. 
XXXX XXXX has already acknowledged my previous complaint and promised to stop harassing me to collect a debt that I have no responsibility for, however this harassment is now recurring.