WillisBack/dataset-financial-user-claim huggingface dataset:
I HAVE DISPUTED WITH EXPERIAN CREDIT BUREAU THE ACCURACY OF THE PUBLIC RECORDS ON MY CREDIT REPORT. 
I REQUESTED THAT THEY DISPUTE THE VERIFICATION OF ACCOUNT, ADDRESS, PHONE, LAWYERS NAME AND THE DETAILED METHOD OF INVESTIGATION AND A COPY OF THE BANKRUPTCY DOCUMENTS. 
THE NEVER SENT THE REQUEST AFTER XXXX DISPUTES. ON XXXX XXXX IT WAS OVER 30 DAYS SO THEY DELETED THE XXXX PUBLIC RECORDS, WHICH WAS BANKRUPTCY XXXX. THE XXXX THE PUBLIC RECORDS ON XXXX/XXXX/XXXX AND DID NOT PROVIDE A REINSERTION NOTICE WHICH IS REQUIRED BY THE FCRA NOR DID THEY VERIFIED THE DISPUTED IN ANY OF THE XXXX RECORDED DISPUTES. THE FCRA SAYS IF THE ITEMS ARE NOT VERIFIED WITHIN 30 DAYS, THEY MUST BE DELETED. THERE IS ALSO WILLFUL NEGLIGENCE FOR PURPOSELY NOT PROVIDING THE DOCUMENTS REQUESTED
I discovered this collection on my account so I call the agency to ask questions and dispute the collection. So far I have called XXXX twice about the matter to resolve it. They have not done anything to help they said they would send out a fraud packet to fill out and they would remove it. So far all they have done is send me a bill. I sent a written letter asking them for verification of debt and validation of claim but no luck. Please help
The following agency is not bonded in the state of Texas and can not legally collect debt.   Account Resolution Services    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX , FL  XXXX
Ditech Financial LLC took over our mortgage from Greentree Servicing. We fell behind on our mortgage last year and applied for a modification. We were behind in our mortgage {$3000.00}, and were applying to reduce our payments. The modification we were presented reduced our mortgage by {$60.00} per month, but Ditech added {$51000.00} to the principal. We agreed because we did not want to lose the house, a poor decision on our part, and are now falling behind again.
I recently received a copy of my XXXX credit report. The credit report showed an inquiry from Citibank Na., Best B, that I did not authorized. I contact Citibank Na., Best B, and they said they have no knowledge of the inquiry, but it's on my credit report. I also called XXXX to dispute the inquiry and was told they don't dispute inquiries. Please have this inquiry removed from my credit report because it is making it very difficult for me to acquire credit.
I texted a guy off of XXXX to buy XXXX tickets. He totals me the seat section row and numbers, I agreed to pay him {$400.00} in exchange for 4 tickets to the game. He sent me his email to send the money via XXXX. I sent him our email address to send tickets via XXXX XXXX. I sent the money. He said the tickets were on their way, but never sent them.
Bank Of America is saying I made an inquiry on XX/XX/XXXX reference # XXXX for a XXXX XXXX card. I never authorized any request for this card. I was not on any cruse ship for this company. This is fraud. I would kindly like this to be removed from all credit companies since I never made this request.
XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX I would like these inquiries to be deleted, and your customer service representative repeatedly hung up the phone and would not take care of the negative inquires reporting to my credit.
Company is calling family members about a " debt '' I am unaware of as I have not received any letters or notification of money owed.
Guilt by association : I got my annual credit report Experan, there are XXXX negatives on the credit report, XXXX from XXXX XXXX, XXXX from XXXX XXXX. I never signed a contract with either, however my husband did. we are XXXX separate persons with separate credit reports, who do nothing but live together. I should no be penalized For his mistake Experian refuses to take the entries off like I said I never signed a contract with either company
I have had this issue with Nationstar mortgage for a while now. They held funds in suspense not completing full payments during a time of XX/XX/XXXX-XX/XX/XXXX. 3 months later, Nationstar finally admitted fault for their inability to apply funds and corrected the payment history. I requested a verification of mortgage, bu the VOM was not corrected. Lacking a correction for the VOM, it stated that I was 30 days past due for multiple months. I have been trying to refinance for 9 months and this error on Nationstar Mortgage is inhibiting my ability to. When Nationstar went back into the payment log they held up 2 months worth of payments, which put me ahead in my payment schedule. It does not make sense that they still have not repaired my VOM on their clear mistake ... After countless attempts to correct this, Nationstar has drug their feet around on this issue.
I have been dealing with Ocwen for year and a half to get them to fulfill their obligation to provide me with the pay off loan documents after I paid off my mortgage in XX/XX/2015. 
During all this time, they have been claiming that they did n't need to file a XXXX. Finally they did ; however, they have failed to provide me with the original pay off documents as follows : * Pay off letter dully executed in Ocwen 's letter head * Original lien release ( XXXX ) they filed with the county * Executed Proprietary lease ( they need to tell XXXX XXXX that the loan has been paid off and therefore, they only need XXXX proprietary lease not XXXX. Should Ocwen insist on getting XXXX, Ocwen needs to fully explain why they need XXXX copies. No other proprietary lease will be provided without me receiving the original signed copy I forward to XXXX XXXX ) * Original Stock certificate * Original security agreement ( XXXX XXXX obtained an assignment without me knowing about it. My mortgage has been fully satisfied, they need to release such note ) * Original letter of satisfaction. 

I want to understand why is OCWEN purposely delaying the issuance of such documents and why is n't this institution placed on warning by the CFPB. 

Ocwen will be made responsible of all the financial costs their incompetency and unprofessionalism is costing me.
I submitted request for annual credit reports. I 'm going through a divorce with a certified sociopath and have received a collection bill for a XXXX card. I 've never had a XXXX card. After answering the security questions for Experian, it said that due to security issues they were unable to provide report??? However, there was no problem with XXXX or with XXXX. I need that report ASAP online. 
Thank you. 
XXXX XXXX XXXX
I was contacted multiple times by a company ( Student Debt Consolidation Aid ) claiming to be the Department of Education to refinance my student loans with lower interest, payments, and forgiveness after a certain term.
I had saw a advertisement from wells fargo saying that i will get {$150.00} if i open a account with them and i had called to file a complaint with them and see if i can get that offer since the banker who had opened my account never told me about it. Then the customer service ahent said there was nothing they can do and she just transfered me to a supervisor then the supervisor said that the offer i saw on facebook was a invalid offer and that the promotion ended in  XXXX . I had  a specialist ca ll me and they said that they had a offer of {$250.00} but that ended in  XXXX  and that they dont have no offers for {$150.00} and that theres nothing they can do and disconnected the line. I have evidence of them putting false promotion and actually telling customers that to call customer service and they will take care of the issue when they really dont do nothing.
CMRE Finance debt of roughly {$600.00} appeared on my credit report. I have never dealt with this company or had any medical expenses. I need this item removed as it is negatively affecting my credit.
Purchased product online merchandise in XX/XX/2017 The product cost {$110.00} with recurring monthly fee of {$50.00} After receiving product it was discovered that it was illegal ( FCC regulations forbid use of such product ) Contacted BOA credit card whom refused to refund
Shellpoint Mortgage Servicing Company is inaccurately applying payments on my mortgage. They have also sent me conflicting payment notices as well as payoff notices. Their Bankruptcy department sent me a ledger which is in conflict with the payment history from the servicing side of the company. Over the last 2 years, they have taken payments and rejected others without explanation. They have even sent back payments to me that belong to other account holders. Based on the above, I can not determine what is due. I wrote them a letter on XX/XX/XXXX and XX/XX/XXXX outlining the errors and attached copies of my bank statement showing payments made. I also included a XX/XX/XXXX notice from the Bankruptcy Trustee that was filed with the court which indicates that there were no objections to the Trustee 's final report, essentially meaning that I paid everything to cure the default. In my letters to Shellpoint, I indicated that I wanted to have the information corrected so that I could apply for loan modification. They have failed to provide a detailed response addressing my concerns or make corrections. Instead, they have rejected my payments and on XX/XX/XXXX referred my loan to XXXX XXXX XXXX law firm to start the foreclosure process.
XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report did not belong to me and was a result of fraud. XX/XX/XXXX I received this response : The company that reported the information has certified that the inofrmation is accurate. This item was not changed as a result of our processing your dispute. Please review your report for the details. XX/XX/XXXX I replied to the credit bureau stating that the information reporting on my report is due to fraud. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, yet this credit bureau has a bankruptcy reporting on my credit and has it listed as the federal district court listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.
This are erroneous credit inquiries on my credit that I was unable to get remove in speaking with a customer service person. 
Thank you XXXX XXXX XXXX XXXX Date XX/XX/XXXX Bureau TransUnion XXXX Date XX/XX/XXXX Bureau TransUnion XXXX XXXX XXXX Date XX/XX/XXXX Bureau TransUnion XXXX Date XX/XX/XXXX Bureau TransUnion XXXX XXXX XXXX Date XX/XX/XXXX Bureau TransUnion XXXX XXXX Date XX/XX/XXXX Bureau TransUnion XXXX XXXX XXXX XXXX DateXX/XX/XXXXXX/XX/XXXX Bureau TransUnion XXXX XXXX XXXX XXXX Date XX/XX/XXXX Bureau TransUnion XXXX XXXX Date XX/XX/XXXX Bureau TransUnion XXXX XXXX Date XX/XX/XXXX Bureau TransUnion
I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors, XXXX & XXXX, and have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you for listening.
Previously I owed XXXX timeshares with my ex-husband. Both are paid except the annual maintenance fees. In the divorce decree, I was awarded XXXX and my ex-husband the other. My ex-husband has not paid the fees on his timeshare and now the company calls me and says I am legal responsible for the past due fees because they ca n't contact him. When I told them I was no longer responsible and it was spelled out in the divorce decree, the company apologized and asked me to send a copy of the decree. I sent it and provided the husband 's phone number. A few days past and the company called again stating they could not contact my husband so I am still liable because the divorce decree does not supersede their contact. I again advised I am not legally responsible and they should call my ex-husband. I have asked them repeatedly not to call me and they continue to do so on my home and cell phone. I believe they have also reported this debt on my credit report ( I am obtaining a copy to verify ). My credit score has dropped and all my bills are paid on time. I am feel harassed since they continue to call and are not honoring the divorce decree which is a legal document. I have paid all fees associated with the timeshare I was awarded. I want this company to stop harassing me, remove this debt from my report and contact my ex-husband to obtain payment. I believe the tactics of this company are horrible. Please advise how I can stop the harassment from this company.
Beginning in  XXXX   XXXX , Focus Receivables has been reporting  XXXX  different  XXXX  collection accounts to my credit, all with service within a few months of each other in  XXXX . I have disputed these accounts with the various credit bureaus, only to have Focus verify them as accurate.   I have since written directly to  Focus  to point out that there is simply no way I had  XXXX  different ongoing accounts with  XXXX . Focus responded with documents which I suppose they believe proves the validity of the debt. However, they do the opposite.    Focus  sent a contract/invoice from  XXXX  which shows charges of {$1400.00}. The down payment reports as paid at {$700.00}. The remaining {$700.00} was financed through their in-house plan with a {$68.00} finance charge. A total of {$760.00} financed.   Focus is reporting  XXXX  different collection collections, apparently regarding the same debt, and the amounts in their reporting add up to {$1100.00}. I am well-aware that the number of individual collection tradelines appearing on a credit report greatly effects the  XXXX  redit score, so it would seem that their reporting of a single acco unt as  XXXX  different delinquencies is designed to unfairly malign my scores. I do not believe this is legal, either.   Beyond this, the debt  ( s ) its elf are very much disputed and all Focus did was mail me a copy of the original  XXXX  contract, which really establishes little. I cant see how this company is allowed to report a single transaction as  XXXX  separate and distinct transactions, the way it currently is.
I have three private loans with XXXX XXXX totaling to about 84 thousand dollars. The original interest rate were about 8-9 % but recent all of my loans have been bumped up to 12 %. That high of a interest rate is criminal. Because of this I have had to drop out of college and work to pay the loan off so because the interest alone would accumulate to an amount that would be un-payable in the future. My dad took a loan out on his credit card of the amount of {$28000.00} which he had the credit card company ( XXXX ) pay directly to XXXX XXXX. XXXX sent the amount on XX/XX/2018, however XXXX XXXX insists they haven't received it yet. Now we are collecting interest on two loans and XXXX XXXX does not care about helping us. Please help me and my dad, we are desperate.
I have been in direct contact with the company that the services were provided with. payments has been made account balance is XXXX however the account is moving from creditor to creditor without verifying the information .... 

most recent creditor never contacted this writer in reference to the account however their name is under creditor on my credit report
Fay Servicing LLC is attempting to seize/sell my Home at XXXX XXXX XXXX, XXXX, MA XXXX despite that we are in modification process to allow us to keep our home. We have a child who is XXXX, and we want to do every legally possible to keep him in this home where he was born and provide stability for him. 

In XX/XX/2018, Fay Servicing LLC through its Account Manager XXXX XXXX offered us a trial payment of {$1900.00} under Fay Servicing Modification Program. 

We quickly notified them that we could not afford this modification. We reapply for the modification, and in XX/XX/2018, we were asked for documents that we provided in the past and were told, they wanted different type ; which were submitted just a month before. For example, we provided XXXX XXXX XXXX Binder, it was accepted several times without objection, and were told they need the policy. 
We submitted everything and a new offer of {$1500.00} trial payment under Fay Modification Program. We were very happy that we finally got a monthly payment that we can afford. The payment was due XX/XX/2018. We made the payment online using Fay Servicing Website and not all the payment was taken. The website only allowed {$1300.00} to be paid. We sent the difference using XXXX through XXXX XXXX. Everything happened timely as requested. In fact, Fay Servicing us until the end of the month of XXXX to make that first payment to be able to accept the trial payment offer. In the middle of XXXX, the time for Fay Servicing LLC to accept the payment of {$240.00} made through XXXX XXXX expired online. 
We requested that they make an option available to received the difference, we were told that could not be done. As such, we tried another payment of what is allowed online. Another payment of {$1300.00} was processed XX/XX/2018 and applied through Fay Servicing LLC 's website which would now cover the full payment for XX/XX/2018 with the difference to be applied toward XX/XX/2018 's XX/XX/XXXXpayment. Two separate checks made online were sent for {$240.00} mailed to Fay Servicing LLC from XXXX. To our surprise, on the eve ofXX/XX/XXXX, we were served with Foreclosure sale notice sent by certified mail and first class dated signed by a foreclosure specialist from Fay Servicing LLC on XX/XX/2018.  Not even 30 day notice, and a notice that came while we were working to enter a permanent modification. 
It seems that Fay Servicing LLC has no intention to modify the loan and is playing tricks to come and get our home. 
We want Fay Servicing LLC to make good on this promise to a permanent modification that we have already accepted by making trial payments. I am not sure what is going on, but this is plainly malicious.
I've reported them to the BBB twice for their repeated & unwelcome solicitations. It stops for a few months then they go hire another illegal marketing firm to send more solicitations to nameless addresses to drum up business for their XXXX co.! They keep hiring illegal co. 's to buy my addresses & solicit me for accounts I have no interest in! I've done business with them in the past, they proved to not be worth it because their branch lines are slow, the terms aren't made clear on many things & complaints are not handled well. They just say " I'm sorry you feel that way '', that's all they know! I closed my accounts a year or more ago & refuse to have anything to do with them. Yet every so many months I keep getting their stupid solicitations that I didn't ask for nor did I give anyone permission to randomly use my address without my knowledge that includes the illegal marketing co. 's they & so many other XXXX business owners keep hiring! I received 2 of those begging solicitations onXX/XX/XXXX & XX/XX/XXXX. What part of leave me alone is just not clear to them?! They need to know the info they're purchasing was done without the knowledge of consumers! Chase is on every corner. If we want to do business with them then we know how to find them! Otherwise if we haven't opened up an account then that means we don't want to! Get the hint & leave us be! They are the ONLY bank offering consumers $ $ to open accounts on unreasonable terms! I don't know anyone that has the kind of $ $ to throw into a savings account that they are asking for! They're unrealistic & insane! If you have to pay people to open accounts what does that say about your business model? I've not seen any bank do this before. I'm a happy XXXX XXXX customer & intend to keep it that way! They've done right by me & don't send me unwelcome solicitations via email or any other way. XXXX is the only pesky bank out there bothering people & it's because they know they XXXX! So does their horrible CEO!
I've been trying to close my account with Capital One since the middle of XX/XX/2018. The main reason for closing my account is they have closed down all branches and ATM 's within a 30 mile radius of my home/work. There is ONE ATM located approximately 45 minutes away. I have been unable to download the app to my phone, so I have been unable to make any deposits. Therefore deciding to close my account. Cap One refuses to reject transactions from hitting my acct resulting in charging me overdraft fees. XXXX was the only company still able to somehow send charges through to my Cap One account, even though I updated XXXX with my new ( XXXX XXXX ) account and made that account my default/preferred account. I have verified with XXXX  today and the Cap One account has been permanently removed so no more charges will appear. I have called Cap One 4 times since mid XXXX trying to close this account. They said EVEN though I was signed up for overdraft protection ( where they would reject any charges coming into the account when there was a XXXX balance to keep me from having fees ), they couldn't reject these charges because they were ACH, not actual transactions made to the account? I have been on the phone this morning for over 120 mins on HOLD, transferred to THREE different departments JUST trying to make a deposit to my acct over the phone ( The acct that is SUPPOSED to be closed! ) I've had this acct for over 20 years, and they explained that they will not close the account unless I call back within 4 days and the account MUST show a XXXX balance for all 4 days before they will close the account. They have removed 3 overdraft fees for the account since I've been trying to close it, and I was able to make a deposit by phone using my current debit card, but I was rudely reminded that if any more fees hit the account they will be unable to remove them. Today I was on the phone for OVER 2 hours to try to make a deposit by phone so that I wouldn't be charged another OD fee. Their customer service is horrible, almost everyone I spoke to complained that the office was super short staffed and they apologized for the long hold periods. But, anytime in the passed 3 years I've had to call customer service for anything, I've never had a hold time for under an hour. They need to work on their account closing procedures to better protect and handle their customers.
as of XX/XX/, 2018, capital one Auto finance has a charge off of XXXX dollars. I voluntarily return the vehicle and the Finance company ( capital one auto Finance ) did not appropriately and correctly process the return of the vehicle properly. I was not notified as to the status of the vehicle or my account, other than the full balance was charge off. I have not vehicle and I am still being responsible for that loan, which is unfair practices on behalf of Capital one Auto Finance.
XX/XX/XXXX I received a bill from Macy 's stating that I was pat due XXXX dollars even though I had not made any purchases since XX/XX/XXXX. I paid it off and this month when I go to pay my bill I find another charge. Checking on my statements I noticed a " minimum interest charge '' of XXXX dollars very month even though I did not make any purchases. After speaking with customer service agent and doing internet research I see a lot of people having this issue. I hope you can do something to stop this blatant thievery of Citibank/Macy 's. This is just a gimmick to steal money. 
Thank you.