WillisBack/dataset-financial-user-claim huggingface dataset:
I sent a letter to XXXX TransUnion and XXXX stating that the XXXX XXXX credit card account XXXX In this the amount of XXXX dollars was unverified. I ask them to send verification and validation of the debt with documentation of the original contract with signatures which XXXX XXXX is suppose to have per FCRA and FDPCA to report to the credit agencies. All I received back was the was verified with no explanation. There was no real investigation done and no proof of said investigation.
I have sent Experian numerous requests asking them to please investigate and correct some accounts in my credit report that are reporting incorrectly and they are not responding.
Unable to connect to a third party application to review my spending habits and ways I can save money. App is called XXXX.
I have an unverified account from XXXX XXXX account # XXXX that was placed on my credit report and I have been trying for over 4 months to get this entry removed. I have spoke with numerous representatives, supervisors and even managers in regards to the erroneous account and i have yet to get it resolved. This is my 3rd dispute in which I am currently waiting for results. I have repeatedly requested tangible documentation whether electronically or hard copies and Experian has yet to verify. All they send is a letter with a statement saying " the account is verified ''. I demand that this unverified account : XXXX is PERMANENTLY DELETED FROM MY CREDIT FILES due to lack of verification and INACCURATE REPORTING.
I 've contacted Experian to delete an account from my credit file because the it 's not my account and the collection company (   XXXX   XXXX   ) {$290.00} refused to provide validation of the debt or delete the debt from Experian because they are n't requiring much for validation. I 've already filed a complaint against   XXXX   XXXX   debt with CFPB and they 've deleted the debt from my  XXXX  and  XXXX  credit file because they did n't provide the validatity. The reason I 'm filing against Experian is that if the company ca n't provide me with proof of the debt with original documents, how are they providing validation to Experian other than responding yes to questions asked. It 's been over 60 days since my request from the collection company. I 've asked the company for specific validation such as original agreement with my signature and the agreement between the collection company and the original creditor and bill with charges and interest. And no cooperation.
Dept protection fee has been charged to my account for an advertised interest free purchase on Best Buy Credit Card via XXXX and Citibank since 2006. 
Requested the proof of evidence of my signature that I agreed to the terms and services and never received such documents. Total of ~ {$490.00} worth of fee has been charged to my account without my knowledge for the past 12 years.
I have been paying my loans back faithfully for 4 years. Just the other day, XX/XX/28, I learned that the amount due is now MORE than the original amount borrowed! What the heck is this? I am aware that Navient, my current loan holder, has a lawsuit pending against it. I just learned this but I see why. This is outrageous. What kind of fine print " disclosure '' did they slide by me? Please do something about this. It is so wrong.
I am unable to determine what the charge is for ... I don't remember having accounts with these companies..I contacted Equifax, but until now I did not receive a response..CFPB please take care of this concern and have the accounts removed from my credit report ..XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX
I 'm starting to think that OCWEN is nothing more than a Ponzi scheme ( a swindle in which a quick return, made up of money from new investors, on an initial investment lures the victim into much bigger risks. ) set up by large banks to transfer their loans without permission of the mortgagee to a group of so-called mortgage investment individuals who are supposed to help you qualify for a number of loan modifications. The ignorance of every XXXX of the employees at Ocwen goes beyond stupid. It is now XXXX months short of XXXX years that I 've tried over and over to modify my house loan. I was retired without benefits, i.e., retirement compensation from a XXXX after 30 years of employment after the death of the owner, operated, XXXX, XXXX, of a very successful company. Since my income has gone from XXXX figures to a small XXXX income I would think I would qualify for at least XXXX loan modification. Particularly because my home is under water. The incompetency of the mortgage loan officers, i.e., loosing paperwork XXXX and XXXX times because they ca n't find it on their desk or in their computers is beyond the word irresponsible. After working with the same loan officer for 18 months he never seems to remember who I am during our monthly phone conversations. I 'm trying to lower my payments not increase them. Every single offer I 've received have increased the payment now standing by {$50.00} to {$100.00} dollars a month and Ocwen will not write the modification unless I agree to 10 more years on my loan making it 40 years instead of 30 years. As of today since I 've not agreed to their new terms - they have turned me over to an attorney to start foreclosure on my home.
Hi there I 've tried to dispute some inquiry with transunion to no avail these inquiry should not be on there they just started showing up and they would no do anything about them there is about XXXX of them the dates are as followed XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX please have them take care of this please and thank you for your time
I signed contracts on XXXX modified loans with OCWEN loan servicing. After months of paying my payment they said I was not paying the correct amount and my payments were more than what was stated in the contract. I tried to work this out with them for almost a year. I worked with there reseach dept and made call after call with always the same result. I was told the person I need to speak to is not here but would call me back of which never happened. I sent them copies of my contract and continued to pay my payment up until they stop excepting my payment. I recently lost XXXX of my homes and will soon lose the other.
I was once a customer of XXXX XXXX. I was an account holder in XX/XX/XXXX. I switched companies, to XXXX, in XX/XX/XXXX for the XXXX XXXX. 

Ever since the switch, which was done improperly by agents of the company in XXXX, IL, I have repeatedly received bills from XXXX XXXX in XXXX, WA. 

The reason I switched companies was because I was doing music on an old XXXX  device. The phone fell flat on its face and broke completely in my dorm room. I then switched companies to get an XXXX XXXX because I never had one. 

I paid XXXX off and told them to switch my service, however, they have continued to follow my activities socially and continue to send me past due collections bills regarding their device. I I paid every single phone I have ever had from XXXX off, but I still receive bills from XXXX XXXX. I called XXXX, I called XXXX, I called XXXX, I called all of them to tell them I don't own the account, but they continue to say I owe XXXX for past due bills that do not exist.
Fedloan performed a processing error ( regarding submission of my income for determining payment amount ) in XX/XX/XXXXand I have been working to get it resolved since that time. After numerous calls to Fedloan without resolution of the issue, I submitted a complaint to the CFPB on XX/XX/XXXX. I received a response from FedLoan on XX/XX/XXXX which acknowledged their error and reported a reversal of the interest capitalization would be reflected on my account within 60 days. Now 87 days have passed ( including 60 business days ) and there has been no reversal of the interest capitalization on my account. I called Fedloan and they are unable to tell me when the interest capitalization will be reversed.
On XX/XX/XXXX, I submitted a request to XXXX XXXX to refinance my current mortgage, and combine it with my 2nd mortgage. On XX/XX/XXXX,  I received an email from XXXX XXXX containing a list of documents required. On XX/XX/XXXX, I sent all the documents he asked for via email. I had already received a XXXX   package at my home address. It contained documents my husband and I needed to sign and send back. So, on XX/XX/XXXX, I talked to XXXX XXXX and he told me which documents needed to be signed. On XX/XX/XXXX, I scanned and emailed all the documents he asked me to sign and send. He confirmed receipt of these documents in a phone call and told me an appraiser would be calling. On XX/XX/XXXX, I emailed XXXX XXXX asking about the appraiser since I had yet to receive a phone call. In that email I mentioned I was getting repeated XXXX area code phone calls, but they never left a message. I asked if he thought that was them. He emailed back stating that number was him and could I please call him. I immediately called him ( same day ) and he informed me that he had made a mistake. He had thought I lived in XXXX County, but he now is noting it XXXX County. He asked me to verify this, which I did. He then said he was very sorry, but XXXX XXXX does not have an office in XXXX County, only XXXX County, so XXXX   XXXX could not do business in XXXX Co., thus could not service my loan. I am extremely suspicious of this response and can find no evidence on their website or anywhere else to verify this. Please provide assistance with this matter so I am able to understand why I had to go through all the work I did, wait well over a week to know this information. He called repeatedly using that XXXX area code, but never left a message, even a quick " call me back ''. It was outrageous. Thank you for your attention to this matter.
This company calls me 10-15 times a day. Also, they know that even though my number is registered in California, I live in Colorado because I have told them this repeatedly and they have my address. They continue to ignore this and call me early morning and after XXXX XXXX. It is bordering on harassment
Cit Bank is reporting a mortgage I had with them as a foreclosure being started on XXXX. This was never a foreclosure nor did one start. SEE ATTACHED DOC
We have XXXX mortgage accounts with the same company which misapplied the payment for XXXX account to the other making the payment late. When we ask for a correction XXXX payments was put into an expense account, not crediting either account making the payments late and reporting it to the credit bureau. XXXX account we 've had for 11 years and the other for 9 years and have never been late on either XXXX. The problem started back in XXXX and have not been totally corrected as of this month and it 's now XXXX. We are still receiving calls from them stating that our payments are late although they have received payment and the checks have been cleared. How do we stop the harassment and get our credit back to the way it was?
I called the debt collection agency which is handling my debt from XXXX XXXX XXXX to settle the debt with monthly payments. The agency tried to charge me a just under {$13.00} per month as a " convenience fee '' for using my debit card. would come out a little under {$150.00} more than owed, which is almost a 28 % increase of the debt
I received a notice from Citicard stating that my  Mother m  ay  be entitled to a refund for an optional debt protection program which she  may  have unwittingly been enrolled and charged for. I went to their website to enter her information to indicate she was deceased and could not get any further information. I have questions on where I would find these charges, if her estate will be given a refund and how much. When I called I was just told they had not information for me at this time, blah blah blah. I feel that my   XXXX    Mother  may h ave been scammed by a large unethical corporation and I want them to be held accountable.
Ace Check Cashing is constantly calling me at my home and work while also harassing me and my co-worker for a payday loan that I did not opened online. Their fraud department personally acknowledge it was an identity theft issue, so I went and filed a police report to cover myself. With all this information at hand, they continually keep calling and threatening me with law suits, been served at my job by the police, and threatening to keep embarrassing me until they get money for a payday loan I never received or initiated in the first place. Today, they hit an all time low by disrespecting my boss after she and I repeatedly told them not to call again on her company line affecting her business and my job.
This complaint adresses how the XXXX has been illegally reporting XXXX collection accounts to the XXXX credit reporting agencies, Equifax , refuses to remove these errors after repeated investigations. The original creditor is the XXXX XXXX XXXX for both accounts in which I went to the XXXX on XXXX seperate occasions. 
1. Acct # XXXX {$280.00} 1.The date that my payment was delinquent was XX/XX/XXXX. A single collection account can not have different dates that they will be removed from each credit reporting anency. 
2. Acct # XXXX {$140.00} This became late XX/XX/XXXX 3. Credit consulting acct XXXX {$110.00} The Orig creditor-XXXX never sent me a bill and I was never told what the charge was for and they are not sure the debt was mine because the address information is not mine. The XXXX agency removed these accounts from their report on XX/XX/XXXX and my dispute with Equifax was ignored. 
Additionally, I have repeatedly demanded proof of the debt so I could attempt to verify the correct dates and have been repeatedly ignored. Both credit reporting agencies do not give me any documents that show me how the verified the debt. The collection agency will not give me this information either. They will of course send me a bill to verify the amount on the account, that I am not disputing, I also wanted to point out that Equifax and XXXX report both of the accounts as closed and open. I want to verify the date accuracy of the XXXX debts. If the closed account has wrong information it should not be reported on my credit file. I have attached the XXXX report and Dispute report & Eqiifax report, as well as the XXXX before the dispute. Additionally, I have tried to find out the correct dates of delinquency by filing a complaint through your agency before but It has been hard to articulate my problem until now. I never received the proof of the debt that showed any dates and have requested this information from the XXXX & the CRA 's. Please help, the end dates for each collection account should be the same on all XXXX credit reports. Thank you for your time.
The law firmBROCK & SCOTT, PLLC has been harrassing me and my family about an alleged debt without and debt validation or verification. 

Per FDCPA rule : The attorney thus violated 15 U.S.C. 1692e ( 3 ) and ( 10 ) ,1. The law firm invaded the privacy of an individual by unreasonably intruding upon his seclusion by communication through the USPS via first class mail in relation to an alleged debt that did not owe to the law firm. 

2. The law firm and its agent 's acted in a false, deceptive, misleading and unfair manner by repeatedly communicating with me via USPS mail without validating and verifying the alleged debt. 
See attachment :
my accounts XXXX account number XXXX date opened XX/XX/XXXX and capital one account number XXXX date opened XX/XX/XXXX, are reporting one late to credit reporting agencies. which are inaccurate, so please have these inaccuracies removed especially when i have the creditors letters as approval to do so. 
thank you for your cooperation please find attached the creditors letters.
I am filling this complaint because I have been ignored by the credit bureaus. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months. 


The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. 
Under Section XXXX ( XXXX ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' PLEASE REMOVE ACCOUNTS AND INQUIRIESI am filling this complaint because I have been ignored by the credit bureaus. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months. 


The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. 
Under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' PLEASE REMOVE ACCOUNTS AND INQUIRIES
The XXXX. Illegally placed my home on a vacant and abandoned list. They took legal action ( hired a law-firm ) to collect the debt via small claims court, I provided XXXX total documents to dispute their fraudulent claim and I prevailed. The case was dismissed with PREJUDICE. ( meaning they can NOt bring a claim pertaining to this case against me ever again ) 60 days later in RETALIATION, I received ( XXXX ) bills from again the XXXX, stating I owe approx. XXXX for cutting my grass. I never received notice or warning of the XXXX taking such action and disputed the bill, it was denied by the same dept. that sent the bill in the first place. ( What do you know, the recruited to XXXX Executive '' XXXX XXXX XXXXXXXX ) I questioned the XXXX XXXX assistant XXXX XXXX XXXX XXXX regarding my right to DUE Process, and inquired about and appeal, I was told there was NO additional appeals afforded me. I was then referred to the XXXX. I was then told, by telephone from attorney XXXX XXXX, that I would receive a notice regarding their decision, and I could in fact appeal the decision. And then the next day, I received a summons from the same law-firm on behalf of the XXXX stating I owe them XXXX. The small-claims court dismissal was on this same property from the same people XXXX .I reported the unethical and criminal action taking by the attorney ( s ) to the disciplinary commission. And now here we go AGAIN, the city attempting to collect monies from me that I do NOT owe. This time, they filed the case ( that was already heard ) with a higher court, attempting to disregarding the previous ruling of the Judge. Now they are going after me for ( XXXX, plus interest, fees, etc ) based off the previous claim ( WHICH was DISMISSED ) They are using, Influence, harassment, wicked games, abusing power and the entire legal system to take advantage of the working poor simple because they have NO over-sight and all their relatives work here ( in-laws, sisters, cousin, uncles, aunt, etc ) for the police, XXXX and elected officials. NONE of these folks within the XXXX is standing up for the constituents they took an oath to serve and protect. Though they all receive tax-payers dollars to feed their own families and provide their needs and wants!! : ( I filed a discrimination complaint against the city and reported harassment, intimidation, corruption, criminal enterprise ( XXXX crime ) fraud, waste and abuse to state representatives, senators, prosecutors and nothing was DONE!! The state representative had the nerve to tell me to contact the University XXXX!?!?! It 's a war zone here and these folks, including myself need help from this very evil and wicked leaders throughout the state. I believe the XXXX will save us ... But, he uses people ... .we need a lot of good people to help us to begin to live in peace while we reside here. A wonder just how many folks are victims of these very criminal acts???? None of this is ever reported on the newsso people can learn about all this and better protect themselves, its so, so, so, so SAD!!! : (
My credit card company ( XXXX XXXX XXXX XXXX ) says the account has been closed since XX/XX/2016. XXXX reports the account as open.
I set up a payment plan with Transworld Systems which included a monthly payment amount of {$65.00}. The agreement was signed by me on XXXX/XXXX/15. The letter stated the following : On XXXX/XXXX/2015, you agreed to enter into a Loan Rehabilitation Agreement ( Agreement ) with XXXX ( XXXX ). Once your loan ( s ) is/are rehabilitated : Your loan ( s ) will be removed from default. 
Within forty-five ( 45 ) days of rehabilitation, XXXX will request all nationwide consumer reporting agencies to which the defaultwas reported to remove the record of default from your credit history, and provide notice of the rehabilitation to the prior holder. 
You will regain eligibility for remaining deferments, forbearances and other Title IV financial aid. 
An eligible lender who purchases a rehabilitated loan must establish a repayment schedule that meets the same requirementsthat are applicable to other Federal Family Education Loan ( FFEL ) Program loans of the same loan type, and must permit you tochoose any statutorily available repayment plan for that loan type. This means that if your loan ( s ) is/are rehabilitated, there is apossibility that the required monthly payment amount will increase. 

The payments were automatically debited from my account for 6 consecutive months. I contacted Transworld XX/XX/XXXX to inquire about the payments stopping XX/XX/XXXX ( when I noticed ). They could n't give me a definite answer and wanted be to restart the paperwork all over again. When I continued to insist on a more definite answere, I was told that they could not retrieve the payments from my checking account due to insufficient funds. That statement was completely false and a dishonest practice on their part. I was never contacted by the company about my payments after XX/XX/XXXX and my account has always had the funds available to make the monthly payment arrangement. To insist that I restart the paperwork all over again after only 6 months on the plan is completely unacceptable and disturbing. At the time I signed the agreement, I was told by Transworld that I would rehabilitate my loan after making 9 voluntary on time payments. I thought this was reputable company until this situation happened.