WillisBack/dataset-financial-user-claim huggingface dataset:
after receiving my credit report, i noticed that there is public records on my report and i would like to have it removed because it is a violation of the Fair Credit Reporting Act to report false information.
I had bill pay with Navy Federal Credit Union, I was paying XXXX XXXX and Paid the account out and they said it was a right of my records show paid in full, also XXXX starting send payment back and at some point the account number was change to another account number on which I did not owe any money, The record show they took XXXX from my account to pay and account I owe no money and one which had know bill pay to automatic monthly how it was done at the credit union I do n't know this fraud I did not authorize this payment and I want to recover my fund that should not have ben to them any way nor was it authorized.
I am writing now in wish to gain your help. At the present time I am working on examining my credit, paying down my balances, and pursuing greater credit worthiness. You play a significant part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX, XXXX and XXXX ) on XX/XX/2017 and I am submitting this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.
I have been working with XXXX XXXX for going on 5 months trying to repair my credit and pay off debts. I have been on a payment plan for going on 3 months instead they continue to send threatening letters with lawsuits even though I'm in the process of paying off the debt. Every time I talk to somebody on the phone they pretend like they don't know what's going on it's a very uncomfortable experience. I have no idea why they keep sending letters to be taken to court when I am in the process of paying the debts currently. I have received 11 letters in the past 3 months. Every time I try to rectify the situation they tell me that the person that is working on my account is not in the office. Again I have been making current pants for the past 3 months yet they continue to pursue me for a lawsuit. They are also sending the letters in the mail without an envelope with everything written in the open on a postcard for anybody to look at that comes across the mail. This is nothing short of harassment.
Finance of America deliberately let the rate lock expire ignoring my numerous follow ups about their failure to contact the appraisal company to get it expedited. After my appraisal was completed 6 days before lock they wasted more time to add more Originate fee to my leaving me with no option but to pay. Basically forcing me pay the fee with no option. 
Looking at other reviews this seems to be the loophole they are using to let lock expire so they can charge more fee. I have complete documentation with clear time-stamps of my follow ups and their responses. Also they fail to respond to most emails in time and even if they which are ambiguous.
Out of sheer desperation I applied for a {$500.00} loan XXXX/17. 
I had no knowledge that with each payment only {$10.00} would be applied to the actual loan. As of today I have paid {$690.00}. I called this company @ XXXX and requested they stop coming out of my checking account. I asked this because it is impossible to pay them off without detrimental to my finances. I was hun up on.
On XXXX XXXX Allianceone tried to garnish my bank account ( SSI Funds ) They sent a certified Writ of garnishment, certification of writ, exemption of claim form, notice of rights, to what they claimed as my last known mailing address XXXX XXXX XXXX  XXXX XXXX, XXXX. however, Allianceone had sent me a statement of what I owed and the judgement amount to my new address XXXX XXXX XXXX XXXX XXXX, Wa XXXX on XX/XX/XXXX, after I requested a detailed statement of what I had paid them and how the XXXX they had got a judgement against me XX/XX/XXXX, XXXX. I did not receive a detailed statement just a statement of what I owed.I contacted the courts to try and find out what had been paid from the payments I had given Allianceone. and that was how I found out about their attempt to garnish my bank account. The statements that I got from the courts of what what was paid by Alliance on my behalf do not seem to add up. The judgement amounts that Allianceone claims does not match the amounts from the courts, they also sent me a late payment notice XX/XX/XXXX, that had the account and ticket number that had been paid off XX/XX/XXXX. I think that they have violated the deceptive practices law. Not to mention lousy bookkeepers that use a lot of deception to cover their math skills ( or lack of ) .I sent a registered letter to them XX/XX/XXXX for a detailed accounting but never heard from them
On XX/XX/2017 I purchased an XXXX XXXX from an XXXX store using my Citi credit card. After one month of normal use, the display of my device spontaneously shattered, obviously due to internal pressure in the glass resulting from a manufacturing defect. My device was still under the manufacturer 's warranty at the time, which specifically states that they will cover all manufacturing defects and that I can bring my device into an XXXX store for repair. XXXX however refused to honor their warranty and further refused to issue me a refund. 

I therefore filed a credit card dispute with Citi, citing XXXX 's breach of warranty. XXXX responded to my dispute with an internal receipt showing my purchase. This was of course irrelevant, as I never disputed my purchase, I was disputing XXXX 's failure to uphold their warranty. It was obvious at this point that no one at Citi had bothered to actually review my case, as I made it extremely clear that I was disputing only the warranty. 

I attempted to remedy the situation by further communicating with Citi, however each time a Citi representative parroted a meaningless " there's nothing we can do '' statement, while citing events that never happened and requesting proof for nonexistent events that are impossible to obtain - including claiming that XXXX has already credited me a refund and demanding that I show proof that they did not ( it is impossible to show proof of an absence of refund ) and asking me to provide proof that XXXX failed to uphold their warranty ( again, it is impossible to prove the absence of repair services ).
Wells Fargo dealer services are ripping people off. My interest rate is 4.9 % Wells Fargo charge me a daily interest of {$5.00} per day unless my monthly payment is paid before my monthly payment due date ... ..of course that 's what I was told by representative so I 'm trying to figure out why am I still being charged {$5.00} per day when I make big large payments of {$3700.00} and this company still charge me daily fees of {$5.00}. I should not have to pay daily fees of {$5.00} if I 'm making 5 additional payments in advance of my monthly car payments due dates. Someone needs to seriously look into this because I 'm sure if they 're getting over on the mortgage loans they 're getting over on the car loans as well they already have outstanding lawsuits for ripping people off for over charged fees. And I called them and asked them could I get refinance months ago to get a lower car payment and a Wells Fargo representative told me that they do not refinance to people in Arkansas how is that when they give loans to people in Arkansas if you ask me I think that 's a redlining lawsuit
My wife was issued an Amazon.com rewards VISA signature credit card from JPMorgan Chase & Co totally unsolicited nor wanted. This is a real credit card with a {$2000.00} credit access line. The process for getting this ( or any ) card typically requires application and credit verification, neither of which was done with any permission. Her credit was checked last week by Chase, as verified by a recently reviewed XXXX credit report. The card ( as far as is known ) has not been activated. When calling the number on the back of the card, the customer rep asked for detailed confidential information for " identification validation purposes. '' None was shared, but when the customer rep was asked how she had access to the information with which to validate anything, she stated that it was all " public records. '' Amazon was contacted but deferred to the same Chase customer service department for assistance with cancelling.
I was planning to apply for a Discover card. So I went to the website, completed the application but never submitted. Like I said I never submitted the application and I closed the browser.     A day later, someone called me and asked me about the application. I told her I was going to apply but I changed my mind. She was asking me if I want to apply, I declined to continue, now my credit report is reporting a hard inquiry with  XXXX .
I am having a dispute with Capital One over a credit card charge that I never authorised for {$1600.00} for NV XXXX XXXX back in XXXX 2015. 
Capital One have sent me a credit card slip, but it does n't have my legal signature and therefore is not vaild.
I filed chapter XXXX back in XX/XX/XXXX and was told by my attorney that i may have to hound our mortgage company about reporting to credit bureaus after a year has gone by, so in XX/XX/XXXX we called the mortgage company and asked them to start reporting and they said we need to send a request, which we did on XX/XX/XXXX, then a phone call from them days later about due payment we asked about our request and was told its company policy not to report as of XX/XX/XXXX a policy they have. We think its unfair to us, we are trying to rebuild our credit and them not reporting is holding us back, they said its looking out for their interest. We called out attorney today XX/XX/XXXX and asked him about it and said they cant be forced by him but we could hound them and possibly they would start reporting so we faxed another request to them today XX/XX/XXXX
In XXXX XXXX, my ex and I purchased a home via a mortgage through XXXX. My mortgage loan was eventually sold to OCWEN. My ex and I decided to separate in XXXX XXXX. I moved out of the house in XXXX XXXX. I stopped paying the mortgage in XXXX XXXX. My ex stopped paying the mortgage in XXXX XXXX. In XXXX XXXX my ex was employed and decided he wanted to refinance the house to take my name off the mortgage. To help this process, with the advice of my lawyer, I filed a quit claim deed to the property and no longer have any claim to the house. OCWEN did not approve the refinance. As the joint debt is the only hurdle that is in the way of finalizing our divorce, in XXXX XXXX, he decided to file for a deed in lieu of foreclosure. He was told this should take about 90 days maximum. My lawyer told me the same. It has been two years now since the deed in lieu process was started and OCWEN has made it obvious that they have no plans to settle this matter. My ex and I have called them separately hundreds of times in the past two years. My lawyer has called them several times. Every time they speak to us, they have a new excuse as to why the file is being held up ( examples : the VA has to approve, OCWEN has another walkthrough planned, there is a tax lien two years after the last party vacated the property, and many more excuses ). Recently, through a web search for the county property records, I found out that OCWEN has had ownership of the property in question since XXXX XXXX, XXXX. It seems as if the house has been foreclosed on already, yet they will not process the deed in lieu or offer any other way for us to get this problem settled for a home that neither of us have any claim to. Please help!
trying to remove these accounts  XXXX , from  XXXX ,  XXXX , and Experian.
I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. In this report each bureau ; XXXX, Equifax, XXXX shows a difference in reporting on this account ( example : one reports shows paid on time while the other is reporting late ) These items : the date the account was opened, late charges and the number of days late and past due amounts that are not reported the same on all 3 bureaus. 
XXXX bank submitted a letter stating account was XXXX days past due and reported this on my credit report but my record of payments contradict that claim. I'm challenging the due date of payment by submitted the original contract of the loan as well the actual date this account was open vs what it is stated on all 3 bureaus. 

Enclosed are copies of the account and how it is reported on all credit bureaus.A letter when the account was originally opened and payment history to show that this account was not XXXX days past due.
I submitted a dispute to XXXX  for the account XXXX XXXX XXXX XXXX XXXX that is outdated and DATE OF LAST DELINQUENCY WASXX/XX/XXXXWHICH WHEN ACCOUNT WHEN 30 DAYS LATE THEN LEAD UP TO CHARGE OFF IN BANKRUPTCY. It was sold to a collection agency and is now over 7 years old. XXXX and Trans Union both deleted the account. XXXX failed to remove item after providing sufficient information showing inccuracy, they then reaged the activity date and still are reporting the account. I supplied the original creditors reporting on credit which showed theXX/XX/XXXXdate. This account per the FCRA needs to be deleted as no activity has been made on collection account such as payments or validation. The company is XXXX XXXX XXXX   and the original creditor is XXXX XXXX XXXX. I am attaching original creditor reporting before it was deleted.

Also XXXX XXXX is reporting several 30 day late pays on all 3 bureaus however i attempted to pay all on time but XXXX XXXX  blocked online payment access, has not processed any bill pay payments submitted and will not return my phone calls and hangs up on me when i try to call to make payment. Complaints also have been filed against the company. There are many others who are experiencing the same issues with this company and i also have a pending complaint with the CFPB REGARDING THIS MATTER! See attached documents regarding this account and issues i experienced.
Over the past couple of years, Wells Fargo has charged my account numerous overdraft fees using the 'highest to lowest ' method of accounting. With my account not having a sizable financial cushion ( as my family live on limited means ), this practice has caused serious financial distress. Every now and again, they will refund a portion ; however, they are viewing this as 'giving ' me money back. The last set of overdraft fees was on XXXX/XXXX/2016 : a direct deposit was scheduled to go into my account, but some drafts we presented the same night. Per my online statement, the dates for the transactions were the same, but the deposit was accounted for LAST. The deposit was more than enough to cover the incoming drafts with a little to spare ; but because of the way the accounting was handled, they charged me {$140.00} in overdraft fees. Over the past 18 months, I have been charged over {$4200.00} in overdraft fees! Some of these fees include {$12.00} per transaction when money is transferred from a " Way To Save '' account that is linked as an overdraft account to my primary checking account. The purpose of this overdraft account is to prevent ... OVERDRAFTS! But yet, I have been charged {$12.00} per transaction to use this service! Unfortunately, the last time I called the customer service line at Wells Fargo, I was pleading with a CSR to see if anything could be done to reverse some of the recent fees. While I was mid sentence, he transferred me to another department, without saying a word, adding insult to injury!
Several things happened first thing is after approving the modification Wells Fargo failed to cancel the sheriff sale of my home and my house was sold in the sheriff 's auction and then an eviction notice was served to me all because they failed to cancel the sale then my original loan balance was XXXX now it is over a XXXX and XXXX with all their fees that they have added to my loan and all the additional costs they added to my loan for a day Sheriff sale or foreclosure which should have been cancelled so why should I pay for those fees then they have now refused XXXX payment of over {$1800.00} I sent XXXX they were turned took 45 days to get it back then I attempted XXXX weeks ago to pay {$2500.00} and then refuse that payment I have been asking for months actually probably over a year to have my escrow analysis analyzed do to it increasing {$10000.00} and it has entries that have no description that only say escrow adjustment I have not been given an explanation or been contacted after leaving countless messages emails speaking to other Representatives who said they would get a message to them and they would have them contact me they have no problem adding things to my account but they can not explain to me what they are why I 'm responsible for him and then they want to refuse my payment or payments and even returned money I sent bill pay..the sheriff sale they failed to cancel by error its still haunting me after over a year of calls emails letters to Wells Fargo it has yet to XXXX fixed..the assessors show Wells Fargo as the home owner witch has caused me problems getting homeowners ins.and the title reads I sold it to Wells Fargo and it continues to stay on a forclosure lisfings
To whom it may concern : This is a follow-up to complaint previously filed through the CFPB on XX/XX/XXXX. 

The original complaint was in regards to an incorrect pay-off amount, and the resulting delay in the release of my vehicle title. In the original CFPB complaint response, the parent company of " XXXX XXXX XXXX '', " Westlake Financial Services '' replied. They replied on XX/XX/XXXX admitting fault. Furthermore, the response stated that my account would be waived of fees and that my account would be paid in full. Finally, it was stated my title would be sent to me by mail. 

Unfortunately, none of this has occurred. As of today, I have not received the promised title. Rather, I have continued to receive harassing collection phone calls from XXXX XXXX XXXX, despite my requests for agents to not contact me by phone and to add me to a Do-Not-Call registry. This is a blatant TCPA violation, which by law is a fine-able offense. This means that my account has not been closed, as they have stated in the original response, and that I have been lied to by the company. I have sent in the CFPB response to the company by fax and email on numerous occasions but this is still not resolved. 

I am now afraid that even though I have rightfully paid off my account that they may wrongfully repossess my vehicle. I am unable to trade-in my vehicle without the title. I am in constant stress while this continues to be unnecessarily dragged out over a mistake that was easily rectified by the company.
I am a victim of identity theft and have some fraudulent and unauthorized collection accounts and credit inquiry listed on my Experian credit report that do n't belong to me. The following accounts do n't belong to me : XX/XX/XXXX, XXXX , XXXX {$1200.00}, XX/XX/XXXX, XXXX/ XX/XX/XXXX , XXXX/XX/XX/XXXX, XXXX
My family needed to move quickly due to a landlord having no rental license and black mold respitory illness set in as well as gasses coming in house from broke sewage line. I was denied a home everywhere! I find tons of Names, SSN 's, Addresses in states and city 's I 've never heard of, and 176 collection items total dropping my score over 200 pts.  I 've sent XXXX, Experian, XXXX all my Identity documents and more and stated federal FCRA about mixed files. Also XXXX has a company named XXXX who has a Ton of these medical, cell phone, collections. They deleted 7 but left 20 more in XX/XX/XXXX. I should n't have inquiries but do, never had XXXX. XXXX but collections show. My positive history accounts are almost none existent. I need help. This happens after XX/XX/XXXX because in XX/XX/XXXX my Credit was fine. Please help. We need a new car and even buy here pay here 's wo n't lend with a big down payment. They say I need proof of this. I 've shown the names and all that stuff they said it does n't prove ID theft. Never heard of file mixing they said. The amount of medical collections alone you would think I were XXXX XXXX. I 'm very healthy and a XXXX at a XXXX my wife works for XXXX and XXXX here in KS. And similar has happened as well. PLEASE HELP clear my reports. And make them remove all of it or please guide me into suit. XXXX bless
MY bank branch says I was target of an unsuccessful phishing attempt. Message on my cell phone said " USBANK ALERT! Visit personal link at : XXXX. '' Other number:XXXX XX/XX/2017 XXXX
I have a loan with CREDIT ACCEPTANCE CORPORAT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and CREDIT ACCEPTANCE CORPORAT with no successful resolution.  XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX XXXX.
I requested for an investigation because XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP
I received a call on   XX/XX/XXXX  for th e first time from an "  XXXX   XXXX  '' who states he represent s Bowen and Associates  (  XXXX  ) stating my husbands company owes his client {$5300.00}, very antagonistic, making personal attacks, would not answer any of my questions explained to him I didnt have anything to do with the company and asked if he had called my husband. I thought it was a scam.Then he called my work number and did the same thing on my work number ( I work at an   XXXX   XXXX   ). Since my husband nor I knew anything about this debt ( it seems to be related to my deceased father in laws  XXXX  that my husband took over ), we started looking into it.  XXXX   XXXX  called my   XXXX   s  tating he was coming to serve me papers ( he is located in Tx and not Ga  ) and told her information about the debt. He also told me he would be coming to  my house to take pictures of it and to my work. He was instructed not to come to either location. He was also instructed not to call my work number.  Hes  continued to call and leave harassing messages on both my husbands and my cell numbers and my work number ( I have recordings of the antagonistic and degrading calls ) Last night he called the  XXXX  late in the evening and my   XXXX   answered and he represented himself saying that I had " hit his truck last week and owed him money '', my husband is looking into the debt with the actual company he states we owe it to and is working to make arrangements ( even though it was a debt related to his dads estate and when he was running the company ) and has informed  XXXX   XXXX  of this and asked him to stop calling, I 've called and made a police report as requested by my  XXXX /employer because they are concerned about the calls and him stating he is going to come to the   XXXX  . I have limited knowledge about the company, my husband has only acquired partial ownership since his fathers death and only owns   XXXX   XXXX    of it (    and, it was a ctually only  XXXX  up until last month ) - we are working to resolve this with the company we owe the debt to but it will most likely be over time.