WillisBack/dataset-financial-user-claim huggingface dataset:
I received a notice from XXXX XXXX dated XXXX/XXXX/XXXX staring that I have an outstanding debt of {$490.00} XXXX XXXX id XXXX and the account is currently in collections. I contacted XXXX XXXX XXXX to find out what these charges were in regard too and the representative could not even locate this amount and stated that my bill is up to date and current and my next bill is not even due for another week. He could not explain the charges for {$490.00}. I have nothing but billing errors with this company since I signed up with XXXX in XXXX XXXX. I feel like XXXX is creating erroneous charges to try to make more money as I have had other billing disputes that they have been unable to explain but I paid the amounts in question for fear of them damaging my credit. I even attempted to cancel their services due to the fact that I felt that their charges were inaccurate and they threatened me with large cancellation fee amounts and in addition they told me that this would negatively damage my credit. I have other family and coworkers who have complained about these same issues. Please investigate XXXX as I believe they are inaccurately making charges and sending customers to collections illegally.
They are calling my place of business and harassing my receptionist and staff in the office. Going as far as to ask my schedule, additional phone numbers for me and personal information. When I told them I ca n't speak at work, they begin to yell and threaten me about wage garnishments and telling my co workers.
I NEVER RECIVED A NOTICE FROM THE COURT. I M TALKING ABOUT THE XXXX CASE. PLEASE HELP ME. XXXX XXXX
I received a debt collection notice from Oxygen Recovery Group claiming that I owe XXXX XXXX {$880.00}. I have requested proof of this debt and have received nothing from them other than a threat that if I do not pay, they will report me to the credit bureaus. I do not recognize XXXX XXXX as an entity with which I have any business dealings. Further, I have no way to contact them to verify the debt, if any.
XXXX from Halstead Financial services gave my mother the last XXXX of my social security number did not confirm who he was speaking to accused her of being me and would not verify what the call was in regards to or where he was calling from he had absolutely no right giving out that information. My social security number has been endangered. Now I am worried that it is in the wrong hands my privacy has been breached.
Hi I'm a Consumer. I'm sending this complaint to inform you that Ocwen Loan Servicing, LLC along with XXXX XXXX , XXXX where given notices of dispute to verify, and validate the alleged account that they are try to collect on neither financial institution can provide Original loan level documentation with blue ink signature to prove it. I the natural man specifically denied that account or any attempt to establish an account stated, by both parties. I own a private home NOT real property. I have no mortgage those signatures they have on the documents they have been sending me Do Not have my authorized signature on any of those alleged certified copies they have been sending after every demand I made for a verification and validation of the alleged debt ; with a sworn statement under oath from the original creditor, both parties can not provide it. Both parties are breaking several consumer law. Both Ocwen Loan Servicing, LLC and XXXX XXXX XXXX XXXX are breaking several FDCPA laws, FCRA, laws, and Truth in Lending Regulation Z laws. By claiming they receiving my information from a known source and can't provide proof, is my belief that there is identity theft, money laundering, and maybe tax invasion going on by Ocwen Loan Servicing, LLC. Which XXXX XXXX , XXXX choose to represent, which makes them indirectly debt collector try to assist Ocwen a Debt Collector to collect on a debt that they can't provide validated proof. I reject that alleged account. I have no real property so this alleged foreclosure that both parties are threatening me with needs to cease. I know that both parties are financial institutions and may be violating the Grand Leach Bliley act. I have been building my case for the last 8 months disputing back and forth with Ocwen Loan Servicing, LLC. Please look into my complaint and assist me on this matter. XXXX XXXX , XXXX also is falsifying in formation with wrong dated and claiming that they have sent me these letter certified, which I can prove they hav n't. Thank you in advance for looking into this matter. I would like a full break down of your investigation, and what procedures that you use to investigate both parties. Thank you again for your assistance.
EXPERIAN keeps on reporting this item as a charge off- I never applied or received any money on this account- XXXX XXXX and XXXX XXXX This account is a fraud account - i called the companys several times and I get the same respond that its mine - I do not have any record of these items on my behalf
I recently sent a letter to XXXX dated XX/XX/2018 asking them to verify the bankruptcy on my report from XX/XX/2018. I spoke to the clerk of the bankruptcy court and she advised me that their court did not report this information to XXXX  and that their court does not even have a subscription to report to ANY credit agency. I feel that XXXX is reporting this bankruptcy illegally and in violation of the FCRA because they did not verify the information directly with the court. The clerk also advised me that they do not verify this information directly and in addition, the clerk from the court explains that the courts do not verify or give out social security numbers to any THIRD PARTY companies. So if they did not report this information how did you? According to the FCRA it is not permissible for you to report THIRD PARTY unverified information. In addition the FCRA also state that the credit reporting agencies can not report inaccurate unverified information. This results in XXXX  using erroneous information including but not limited to falsely reporting information to my Credit Report. 

I have included a letter to that effect my original dispute letter. Thank you for your help.
Dear Sir and/or Madame : As a senior citizen, I would expect not to be taken advantage of especially with something as serious as a mortgage. I have as of yet to be given an accurate, ongoing accounting of my mortgage loan. When I have asked questions, I have been given incorrect and/or incomplete information. " The year 's end analysis '', I was told would clear up all my questions. It has not. Please help with the following : I was initially informed that the mortgage insurance would be stopped after a few months Itemization of Amount Financed / Settlement Statement Return of the per dieum I was erroneously charged The money I returned from FHA repairs Insurances cancellation and accounting for XXXX Bank - accounting, request for loan payment in full XXXX. - accounting, letter of transfer XXXX - accounting Roundpoint Mortgage Servicing Corporation - accounting
Despite writing two letters to XXXX XXXX to correct my payment history across my three credit cards, they continue to report no payments for XXXX and XXXX 2015 on my credit reports despite my evidence that this is inaccurate. I am enclosing a copy of the electronic payments made for these dates.
I applied for a refinance loan and my rate was locked in at XXXX. Quicken loans let my payoff for my California first loan expire and did not realize this until my loan was sent for closing. At this point it was XX/XX/XXXX and my California first payoff had expired on XX/XX/XXXX. This now meant that all my numbers had to be recalculated as well as I had to order a new payoff from California first. I then had to make a XX/XX/XXXX payment on my existing mortgage loan, which was now late because we did not close on the date that I was told. ( XX/XX/XXXX ) At this time I was advised that my interest rate was going to expire and I was given a 15 day extension. ( XX/XX/XXXX ) I was then called on XX/XX/XXXX and told that my interest rate was expired again and at this time the interest rate had gone up. I could no longer receive my promised interest rate of XXXX unless I brought more money to close. I was now forced into a rate of XXXX because of being unable to bring extra cash to closing. Quicken loans has dropped the ball on my loan numerous times over the past two months. I have provided them with every document that they have requested, promptly and have kept in contact with many different individuals though this horrible process. It seems as if every time a mistake has been made on my loan, I am than passed off to a new person for contact. I have tried reaching out to the company in regards to all of the unfortunate events but no good has come from any of my calls or emails. I started my loan process around XX/XX/XXXX.
At few years ago, due to a family death, I requested my mortgage company to allow me to miss a payment so I could attend my sisters funeral out of state. I was told that I could do a remodification ( but could not make a payment for 3 months ). I explained that I could make the 3 payments but, I was told during the modification, I would not be allowed to make payments, that the company will notify me when my next payment would be do. This has caused a big bite out of my credit report. I need your help in getting this removed.
I have sent several disputes to Equifax, XXXX, and XXXX disputing some trade-lines and Collection accounts that are not mine and every time they come back stating that the " account has been verified ''. Which is impossible because the accounts in questions I have never had or signed up for. Each dispute I made I specifically asked for proof of verification and the processes they took to validate my account. Which is my right to have. None of the companies have done that. I request that they immediately remove this illegal trade-lines off my credit report because they have not been verified as my account. There is no way that it COULD be verified as my account because I never signed up for them!
Several modification requests have been faxed with financials to Select Port Folio, Inc the servicer of my loan. XX/XX/XXXX. I was informed by the Relationship Manager XXXX XXXX XXXX. XXXXect Port Folio was no longer reviewing the loan for a modification assumption. Select Port Folio has been difficult to work with and unwilling to assist me with keeping the property. There is a pending property foreclosure for XX/XX/XXXX. XXXX stated the sale date would not be postponed because a mortgage modification has been mailed to me, I have not received those papers. The interest rate or terms of the mortgage isnt fixed. It is a balloon mortgage ; interest rate is adjusting out. He also told me the modification request was no longer being processed. We do not want to lose our home to a property foreclosure sale. Please post pone the pending property foreclosure pending this request being processed. I dont want to lose my home
I sent this email XXXX on XXXX XXXX, XX/XX/XXXX and again on XXXX XXXX, XX/XX/XXXX and finally I resent it for a XXXX time to a board member who finally forwarded it to XXXX XXXX. I spoke to his representative on XXXX XXXX, XX/XX/XXXX who actually attempted to blame me for this entire fiasco. 

That said I feel as if I was taken advantage of by this company and would like for you to XXXX correct these practices as well as seek remuneration for me. 

Thank you in advance for your immediate attention to this matter. 

XXXX XXXX XXXX : XXXXXXXXXXXX : XXXXXXXXXXXX : XXXX/XXXX/XX/XX/XXXX XXXX XXXX Eastern Daylight TimeSubj : Issue with bonus pointsTHIS E MAIL IS INTENDED FOR XXXX XXXX XXXX ONLY PLEASE FORWARD TO HIM IMMEDIATELY! 
XXXX XXXX, XX/XX/XXXXI have been a member of American Express since XX/XX/XXXX and as such have enjoyed an amicable relationship with your company. 

I received a solicitation from you and applied for an AMEX XXXX Rewards Card this past XXXX which offered XXXX bonus points once you spend {$2000.00} within the XXXX 3 months. I complied with all of the requirements by XXXX XXXX, XX/XX/XXXX and was XXXX notified today that I do not qualify for this bonus. 

Apparently there is an obscure rule that prohibits XXXX from earning bonus points for a new card, since they had previously applied for XXXX? I did not see this nor was I informed by any members of your staff during subsequent phone calls of this rule? 

XXXX of my reasons for applying for this card was to earn these bonus points and had I been properly informed prior to procuring this card I never would have applied! 

It appears to me that there are have been quite a few obscure rules that I have encountered in the recent past and personally I am offended by them. 

I have now lost an opportunity to acquire XXXX points which had I been properly informed I could have earned from your competitors. 

Your representatives albeit helpful and courteous have been of little assistance on this issue. 

I believe that I am entitled to these bonus points as I was led to believe that I was entitled to them as is expressed in my outline above? 

Thank you for your immediate attention to this matter. 



XXXX XXXX
Equifax Thank you for removing the address But the name you report is wrong You Equifax state you need Identification, You were sent copies of offical goverment documentation 2, I D s Drivers lic and conseal carry lic both have correct name spelling not what you report that is the only way my name is used I can show proof that you received the ID s and now you seem to be stalling with the statement you made .CFPB please send copy of case XXXX My case there response and my response back this should not take any time to fix seeing you have the documents this is a clear violation of false reporting
Upon reviewing my personal Equifax credit report i noticed several inquiries on my credit report that I DID NOT authorize and had no knowledge of. I contacted Equifax immediately and spoke with XXXX who refused to help me and stated it was a " statement of fact '' which is NOT TRUE because I did not authorize this. I then proceeded with a letter to Equifax and again was being given no relief. I also have a fraud alert already in place which should have avoided any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason. 1. XXXX XXXX X/XX/17 2. XXXX XXXX X/X/17 3. XXXX XXXX X/XX/17 4. XXXX XXXX XXXX XXXX X/XX/17 5. XXXX XXXX XXXX XXXX X/XX/17 6. XXXX XXXX pulled TWICE on X/XX/16 7. XXXX XXXX XXXX XXXX X/XX/17 8.  XXXX XXXX XXXX X/X/17 I have noW locked my credit reports until I am ready to utilize.
I 've been fighting with these credit reporting agencies for some time now, about incorrect information on me reports. I had a   XXXX   XXXX   in  XXXX , afterwards I filed a chapter  XXXX  bankruptcy to handle all my business expenses and medical bills.I also became a corporation at the same time to protect myself. All my medical bills went into my chapter XXXX  bk reached and still showing as open. Then I had my   XXXX   XXXX   ni  XXXX   XXXX , and until recently I have not been able to address these issues. I am peralized from the right side, and my speech is gone. I have a medical bills that are on my reports sill that they refuse to fix,   XXXX   XXXX   XXXX  , and  XXXX   XXXX   XXXX  ,   XXXX   have been reached and are showing still open.
I. Meyer & Njus P.A. sent me a letter stating 1 ) they had been retained by XXXX, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. 

II. I responded on XXXX/XXXX/2015. In that letter, I asked Meyer & Njus, P.A. to validate the debt. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by Meyer & Njus, P.A. 

III. I also pulled down my credit report and saw that this debt had been charged off. 

IV. I was served with a lawsuit on XXXX/XXXX/2015 by Meyer Njus, P.A. regarding this matter. 

This firm stated they were retained by XXXX. That claim is patently false, since the debt was charged off. If XXXX was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector. 

The statements made by Meyer & Njus P.A. in the letter are fraudulent and misleading, and intended to intimidate. Further, Meyer & Njus P.A. has extended this fraud into court.
I initiated a dispute XXXX/XXXX/XXXX with all XXXX credit bureaus ( XXXX, XXXX, and Experian ), because the original creditor failed to respond to my requests in XXXX/XXXX/XXXX. I allotted each bureau with time and documents supporting my claim that this credit entry DOES NOT belong to me. It has been over 30 days and rolling 60 days ... .I have not received an update regarding my dispute. However, when I log into my online accounts with the credit bureaus, the entry has not been updated nor removed. I feel I gave more than enough time to resolve this dispute. 
I think the original creditor, XXXX XXXX, is behind this ignorance. Either party ( the bureaus or XXXX XXXX ) should have contacted me by now. This account does not belong to me in the first place. I contacted the bureaus in XX/XX/XXXX reporting fraudulent activity on my credit profile, and then Federal Trade Commission in XX/XX/XXXX when more entries were appearing on my report. 
Please help me resolve this dispute. 
I sent the fist letter to the credit bureaus by regular mail on XXXX/XXXX/XXXX. 
The second letter certified on XX/XX/XXXX*XXXX tracking XXXX XXXXExperian XXXX XXXXMy postal has expected delivery dates ranging from XX/XX/XXXX-XX/XX/XXXX. 
Meaning each bureau should have received my 2nd dispute by now. Please review the attachments and contact me if you need any additional information.
I completed my {$1000.00} in spend in 90 days to get my {$100.00} sign up and it hasn't posted 30 days later
I have not received documentation regarding what debt is for or its authenticy. Please remove from all credit bureaus.
Chase Bank is reporting inaccurate information regarding the date of last payment to XXXX ( Report XXXX, dated XXXX XXXX, 2016 ) and XXXX on XXXX accounts ( XXXX ) and ( XXXX ). The date of last payment is showing as XXXX 2016 ; however, the actual date is XXXX or XXXX 2016, according to my recollection. 
On XXXX XXXX, 2016, I called Chase to discuss the XXXX accounts, at XXXX XXXX XXXX XXXX XXXX, the number on my XXXX report. I spoke with XXXX ( no id number ), who transferred me to ( XXXX XXXX XXXX XXXX. 
I spoke with XXXX XXXX XXXX XXXX regarding this matter. She stated Chase is no longer reporting ; however, I advised that their prior reporting from XXXX is still showing on my credit reports. 
XXXX stated they could send an " update '' asking the credit reporting agencies to check the agencies ' own records to see if they were reporting the date of last payment correct. I advised that would not accomplish anything, as I had disputed this previously directly with the credit bureaus unsuccessfully. 
I asked if Chase could check their own records to see what date of last payment they had in their own statement records of the account, and they refused to do so, stating that the records had been provided to XXXX and I would have to contact XXXX. 
Either Chase has these records, but refuses to confirm the information internally ; or Chase is continuing to report information despite having no documents to support the information. 
I also spoke with XXXX, supervisor, Chase XXXX XXXX XXXX, who reiterated the same information that XXXX had stated. The connection was very bad and he stated he could not hear me. I advised I would file this complaint.
This account was paid off as agreed. The principle and interest was paid in full in XX/XX/XXXX. There was only a balance of estimated 400.00 left on the account. The finance company advise that my vehicle would not be repossessed due to paid in full. I just wouldn't receive my title until that amount was paid. In XX/XX/XXXX, my vehicle was unlawfully repossessed. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts. I was told they sold my account to a collection agency and they were the ones who repossessed my vehicle. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts from my credit.
I had opened a bank account with Bank of America onXX/XX/XXXX. At that time, I had XXXX XXXX and XXXX XXXX as well. I opened the account because I was told by a family member to do so, so that I can apply for a credit card through the bank and help build my credit. I never got around to doing so because I had four jobs around that time. I am not sure when but my card goes missing and then I went into Bank of America to report it missing and file a claim with the fraud department. In fewer words they told me that there is nothing they can do and I am responsible for the negative balance of {$13000.00}, because the two states are so close I could have transacted the transactions. I left feeling like this was all a plot against me one because Im young, and the other because I am a XXXX woman. They didnt look at the facts, sometime later I received a letter in the mail stating that I had a XXXX balance, so I thought they had credit my account {$13000.00} because they reviewed the case again and realized it was not me. In XX/XX/XXXX I applied to open a XXXX XXXX XXXX XXXX account and I was denied because the charge for the {$13000.00} was on my consumer report. I thought it had gone away. So I went to the Bank of America closest to my house in XXXX XXXX, CA and I sat with a banker and we called the fraud department and they told me that I previously stated that I knew where the charges had come from and I authorized them. I never said that, and why would I file a claim and then state that I knew where the charges came from, that makes no sense. Following that I had XXXX XXXX investigate the matter with proof that I was at work during the times of the transactions and Bank of America said that they initial findings are correct. I looked at the statements myself and there are about two days that there were transactions in CA and I was not at work. I was more than likely at school at XXXX XXXX University AZ. I have proof of me clocking in a nd out of work.
I called to settle a debt with convergent outsourcing for {$1000.00} and was told I will get an email confirmation about my debt being paid and havent received the email. I was told that the debt will not be paid to be deleted from my credit. Im in the process of repairing my credit
I attempted to lower the current, 7 %, interest rate of my home by refinancing. I was contacted by Cardinal Financial Company to refinance my mortgage ( recorded ). I told the Cardinal representative about prior attempts to refinance and prior appraisal fees paid. I was NOT willing to pay for another appraisal. I also gave the Cardinal representative underwriting information that would be on my title search. I was trying to be as transparent as possible. This representative assured me that I should have NO problems acquiring refinancing. I subsequently paid the {$470.00} for an appraisal. After 82 long days of meandering, Cardinal denied my refinance. I feel that if lending institutions did the underwriting, credit check, etc. FIRST ; they would then ascertain what an appraisal amount should be. Instead they collect appraisal fees FIRST. Sounds like a scheme to me.