WillisBack/dataset-financial-user-claim huggingface dataset:
I had summited a claim regarding this with another company and it had been removed but that company sold my dept to this new company and its showing that its a new re opened collection ... 
RECEIVABLES PERFORMANCE MGMT {$0.00} {$630.00} XXXX accounts reported on XXXX XXXX, XXXX XXXX account reported on XXXX XXXX, XXXX This agency did not report an open account to this bureau. 






Open Account # XXXX {$630.00} Balance XXXX Original Creditor {$630.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Joint Account Responsibility -- Remarks NoteXXXX, XXXX. 

XXXX XXXX, XXXX XXXX {$630.00} Re : XXXX XXXX Reference No : XXXX Dear XXXX XXXX : It is our policy and procedure to honor requests for no phone calls. On behalf of XXXX XXXX XXXX XXXX we apologize for any inconvenience or embarrassment you may have been called. Your comments have been referred to the appropriate department for investigation. 
Please accept this as confirmation XXXX XXXX XXXX XXXX has closed its file and discontinued collection efforts on the account. 
Sincerely, Consumer Affairs on behalf of XXXX XXXX, XXXX. 
Toll Free No : XXXX This communication is from a debt collector this company is trying to collect a collection that was sold to them when we had came to agreement with other company.
I recently pulled my credit report and this company has reported that I owe them a debt. I never received a letter from them informing me that I owe the debt. I have never gave this company permission to access my medical records. I was not afforded my rights under the FDCPA section 809a
I've been paying 2 accounts with them so far. But they send me letters stating I am being sued and that I could even end up in prison for fraud. I am trying to clear these accounts but they keep harrassing me on a daily basis.
Wells Fargo Bank is deliberately re-aging a Line Of Credit ( LOC ) account on credit file by falsely reporting to the CRAs. Wells Fargo has removed the account history from credit file and continues to provide false data for DOFD to the CRAs by reporting this account recently went into a derogatory status XX/XX/XXXX, ( date of Chapter XXXX Bankruptcy filing ), and XX/XX/XXXX. The DOFD ( Date Of First Delinquency ) on this account is XXXX XXXX. This account tradeline meets criteria to be removed from credit file and should no longer be reported to the CRAs, as it has been XXXX years since DOFD. Additionally, this account was included in Chapter XXXX Bankruptcy XXXX years after DOFD, discharged in XXXX XXXX yet Wells Fargo placed charges/adjustments on this account AFTER they were informed of Chapter XXXX filing ( XXXX XXXX and XXXX XXXX respectively ). This illustrates a pattern by Wells Fargo of deliberately violating the FCRA and shall be sufficient to compel removal of this tradeline from credit file. This complaint shall serve as official record noting that the data furnisher ( Wells Fargo ) is providing inaccurate data to CRAs, per Experian, Wells Fargo validated in XXXX XXXX that the account DOFD is XX/XX/XXXX which is false ( official Wells Fargo Account History Report and XXXX official Wells Fargo letters dating back to XXXX are attached ). Wells Fargo also continues to update the status of this delinquency monthly on XXXX and XXXX credit files by re-aging the " last reported '' date, including comments on the tradeline that this account is " Included in Chapter XXXX Bankruptcy as of & lt ; current month, current year & gt ; ''. This in turn pushes out the " date of removal '' for the CRAs to XXXX years from each update which has been occurring monthly since I filed disputes with the CRAs. The TRUE DOFD for this account is XXXX, XX/XX/XXXX, not XX/XX/XXXX or XX/XX/XXXX.
I was part of the XXXX credit information hack. It is unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or XXXX in the first place. I am writing to demand that credit freezes and unfreezes be made free for individuals on which these credit companies store information. These companies already collect and sell our data, in an industry where their services are required. I ( nor any other consumer ) should be required to pay these companies to protect my information when, through their own errors, they lose the information they have been collecting without my consent anyway.
XXXX and XXXX XXXX XXXX XXXX are currently double reporting on my credit file. Also, this should NOT be reporting as a charge off. This is in clear VIOLATION of the FCRA.
Paid off XXXX XXXX XXXX in XX/XX/XXXX in full on 2 accounts. See upload XXXX XXXX of {$1300.00} and {$280.00} which include interest and fees. 
Now what I AM DISPUTING FOR THE 10th time is that it shows up to potential CREDITORS as DEROGATORY!!! 
And it should be reported asXX/XX/XXXX when it was paid off back on XX/XX/XXXX Do SOMETHING ABOUT IT FINALLY!! 

Call XXXX XXXX XXXX and they will verify! 

Thank You! 

XXXX XXXX XXXX XXXX.
I tried working with both the fraud department at the XXXX XXXX XXXX, ie. Compass Bank ; I then wrote : Hi XXXX XXXX, this is XXXX from XXXX, and I spoke to a bank agent yesterday RE ; a {$38.00} over draft fee when back on XXXX XXXX or XXXX from XXXX restaurant after it was verified and still showing I had over {$80.00} in my account and made a purchase there of {$32.00}. they took an additional {$38.00} out saying NSF. I then received a fraud alert that there was a {$10.00} XXXX purchase that was declined & asked if I made this purchase and said no but I was glad they did not authorized the payment. I then auto deposit a {$26.00} and next thing I know there was 2 more transactions that were supposedly paid on my behalf after I showed it was flagged as fraud, told the agent to close this account. Now my account is {$180.00}. With those declined fraudulent charges paid after I told them to close the account and it showing the purchases originally did not go through Very confusing.
Name : XXXX XXXXBusiness : Mail Address:XXXX FL XXXX Phone : Other Phone : Email Address : XXXXXXXXINTERNET COMPLAINT RECEIVED BY THE ATTORNEY GENERAL 'S OFFICE ON XXXX/XXXX/2015XXXX XXXX FL , XXXX XXXXXXXXEmail : XXXXXXXXName/Firm/Company : Ocwen Loan ServicingSubject/Category : mortgage company wo n't return money for damages to houseStreet Address : XXXX FL XXXX XXXX XXXX : XXXXXXXXDate of Transaction : XXXX/XXXX/2015Amount Paid : XXXXXXXXQuestions/Comments : I had water damage in the home at the end of XXXX. XXXX XXXX, my insurancecompany sent me check which I had to send to Ocwen to sign. They returened onecheck and have kept the remaining checks. The mortgage is under my deceasedhusbands name and they refuse to talk to me or return the money. My husband wasa veteran and I receive spousal benefits. 
Before he passed he got a modification through IndyMac who in turn sold themortgage to Ocwen. He also filed bankruptcy and the house was outside of thebankruptcy. The bankruptcy will be final in XXXX. I am paying the mortgageand have been prior to his death. 
I am without a functional kitchen and XXXX bathrooms and powder room. 
I need Ocwen to release the money as soon as possible. They are withholding about {$80000.00} for the needed repairs. They told me to sign the checks and send it to them which was done. They refuse to talk to me even though my name is on the deed to the property. 
I have an attorney and they are not responding to her. 
I need immediate assistances.
On   XXXX    XXXX , 2017 I made a transaction on my netspend card that did not go thru but the money was on my account in the amount of  XXXX . I contacted the company to see why the transaction did not go thru and why money was still in a pending status on my account. The rep advised me to wait 24 for the funds to be release. on  XXXX   XXXX , 2017 the funds still have not been released and the rep stated that I have to wait an additional 24 hours for me to receive my money.
This is unacceptable in my eyes, Why should I have to wait for my money. Is have been well over seven days since that transaction. My bill is late due to this hold on my funds. I am a single mother of  XXXX  living paycheck to paycheck that can not afford for my funds to be held up with no explanation.
Thank you,   XXXX   XXXX
Capital one reported a payment I made through autopay system as late. the autopay was supposed to be set to " pay minimum '' due. The service although selected did not remit the payment of minimum due. Although the payment was made on time as scheduled the amount was incorrect due to their online site. I have never missed a payment and have a flawless history with them. They are completely able to remove this from my credit yet they are not doing so. Again my payment was on time as usual, but their system did not work correctly even after selecting minimum amount due and closing the site. This is unfair and not the way to treat a customer in good standing of 9 years. I want this removed immediately.
On XX/XX/XXXX, I received a credit report alert from XXXX that a public record is being reported on my Equifax report.Equifax removed the bankruptcy on my credit file in XXXX. Called the Equifax Consumer Affairs Directly @ ( XXXX ) XXXX and spoke with a woman by the name XXXX XXXX she was very pleasant, after explaining the incident I was told to fax all documents in supporting my claim. I explained to her that all that was on file to only be told to fax again. Called back because I misplaced the fax number and spoke with an XXXX I was told by XXXX that she could n't speak with me because I was being presented by an attorney and I explained to her that that was n't true. After going back and forth she said she could dispute the item and when I said ok she placed me on hold and then said she ca n't because she does n't have to because it 's within a " 10 day '' period. I explained that I was never notified that the bankruptcy was going to be placed on my credit prior to this being put back on my credit file Per the FCRA " If a previously negative item is reinserted the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. '' I was told that the investigation was just concluded in which it was 90 days later. XXXX could 've been new to her role because she did n't know what XXXX she was talking about she kept placing me on hold. Their customer service is horrible and that 's why they 're getting sued. Basically, My call was based on a previous complaint I filed with CFPB # XXXX against Equifax they were reporting another deleted account on my credit file and they should n't. After their investigation, they responded with a letter stating that they deleted this item. Today Equifax has put it back on my credit bureau without notifying me prior that it 'll be back on there. Here is the supporting documentation notice on the last document it states contact XXXX but the document before that one is from XXXX.
The roe-brat call left a message, at XXXX, Thur. XXXX XXXX, 2016, " This is a debt collector, J.C. Christensen, you must call us at, XXXX. 
I have no business with J.C. Christensen or any other debt collector.
Before I put complaint whit XXXX XXXX my balance was in XXXX ... XXXX ... now XXXX XXXX close my complaint after 6 months and my balance is XXXX, each payment is XXXX ... ..if I do n't put the complaint whit XXXX XXXX this company go in to still my money ... .image if they do this to each costumer ... .the company name is credit acceptance
This complaint is because Experian has ignored my request to provided me with the documents that their company has on file that was used to verified the accounts I disputed. They have gone past the 30 days and ca n't verify these accounts.Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly delete all information which can not be verified '' that I have disputed. I need this issue resolved as soon as possible. 
Thank you,
This is a complaint against PNC Bank, with my checking business account. There was a lot of transactions with my debit card that were n't authorized with me and also with the establishments of stores and also a lot of atm retirements. I have contacted the bank because I received an email of alert and I immediately called to make the claim that those purchases were n't authorized by me but went through without my permission. I asked to have another express debit card because they have left me without money in the bank. After, they switched me to the atm services of the bank, I had to push through to have my claim go through. There was a lot of retirements of atm that were n't made by me for months now. They did n't want to give me a claim number, and that the money would probably not return into my account. By the rules, I should have protection against these types of situations. The thing that upset me the most was that for the first time, I have to go to the physical bank to ask for claim but they ask me to call them through an email.
On XX/XX/XXXX I purchased an armchair from XXXX for about {$450.00} using my Bank of America Debit Card. The transaction was immediately reflected in my online bank account. My armchair was set to be delivered on Thursday XX/XX/XXXX. On XX/XX/XXXX my armchair arrived and later that day by XXXX I received an email notification from XXXX that my card was charged. Come Friday or rather Saturday at XXXX I received an email from Bank of America stating that my balance for my checking account was below {$25.00}. I had just gone out to eat and so that made sense. I check my bank account and it says that I have {$500.00}, now that did not make sense. It was not payday so I should not have had any direct deposits. I scrolled back through all my recent charges and finally realized that the charge for my XXXX armchair was missing. With the charge gone my account now claimed that I had an extra {$440.00} that it really did not have. I have heard of Bank of America moving around people 's charges so that they will incur overdraw fees. I felt certain that this was the case. If XXXX had charged the card on Thursday XX/XX/XXXX at XXXX why would n't the charge be there Saturday XX/XX/XXXX at XXXX? At the very least it should at least say that it was processing. It was not there at all. More confusing still, the charge used to be accounted for. The last time I had checked my bank account balance that week I had only about {$100.00}, now I had a little over {$500.00}. Throughout the weekend I tried not use this checking account ( I have another ) just to see what would happen. By XXXX Monday XX/XX/XXXX my account still said that I had an extra XXXX something dollar. I placed a call with consumer finance to make sure that my story seemed appropriate for filing a complaint. I was going to go to Bank of America to ask that they fix my account but I arrived at the bank after closing hours. By XXXX Tuesday morning my account balance was accurate, it said I had like {$15.00} in that account and the XXXX armchair charge was labeled as " processing '' since XXXX XXXX. I 'm confused as to why it was labeled for XX/XX/XXXX when it certainly was not visible in my account on XX/XX/XXXX. I am thoroughly convinced that Bank of America was " hiding '' this charge from me, hoping that i might think I had more money then I actually had and overdraft my account. I have provided screenshots of my account statement showing all the charges from XX/XX/XXXX all the way through to XX/XX/XXXX. You can see that the charge is not there. I also provided a screenshot of the email from bank of america stating that, that account had below {$25.00}. I also provided a screenshot of the XXXX email claiming that my card had been charged on XX/XX/XXXX at XXXX and that the order was placed XX/XX/XXXX. Finally I provided a screenshot of my account that shows the XXXX charged labeled for XX/XX/XXXX.
Ive been writing and mailing Equifax to remove erroneous information off my credit report, however, they are refusing to properly investigate my proof and correct the information.
On XX/XX/XXXX, I applied online for Barclaycard Visa with XXXX XXXX card with a {$3000.00} credit line. Status provided at end of application process : " We are reviewing the information you provided. We will contact you within 10 days with an update on your application status. '' The Company never contacted me to convey their decision ( declined ). 

In XXXX, I learned that the application had been declined via www.barclaycardus.com. Status provided at that time : " Unfortunately, we are unable to offer you the Barclaycard Visa with XXXX Rewards. A letter with additional information will be mailed to you within the next 7-10 days. '' I have received no such letter from the Company - or any communication in any form - through XX/XX/XXXX. 

Part and parcel to this transaction, the Company : A ) failed to communicate the results of their credit decision within 10 days ; and B ) failed to send a letter explaining why the application was declined. I believe this is in violation of the Equal Credit Opportunity Act. 

I appreciate the CFPB 's assistance in resolving this matter. Thank you.
Seterus failed to pay real estate taxes from the escrow account. I have ceased paying into the escrow account, have made XXXX real estate tax payments on time, paid home owners insurance. I have paid all mortgage and interest on time. At this time, Seterus owes me {$5700.00} which far exceeds the amount they are reporting delinquent. Every transaction in the escrow account is wrong. I have presented them with documentation and have a complete file I can provide you with. 

They continue to threaten for closure and have reported me delinquent to the credit reporting agencies.
on sunday XXXX/XXXX/15 bank of america show i owed a minimum payment i payed twice the minimum they showed they recieved it XXXX/XXXX/15. they now show i owe a minimum payment i maintain they should not show payment due till is realey due i think that could make people late if they think their payment is paid
Was curious to check my credit score online only to find out I owe {$320.00} which I was not aware of from a previous complex I used to rent an apartment from. Being a seasonal employer was there for XXXX months & paid my rent till I moved out & left for XXXX in XXXX 2013. Never got an email nor phone call stating I owe them money & I shared my apt with another person.
Through this complaint, I request that CFPB staff review the action taken by TD Bank in denying my Reg E-covered unauthorized withdrawal claim. I opened an XXXX account for my minor daughter so that she would have access to limited funds on a debit card. The card and the account were used sparingly. When my daughter attempted to make a teller cash withdrawal on XXXX XXXX, 2015, she and I were advised by bank staff that our account was overdrawn in the amount of {$1800.00}. We subsequently learned that my daughter was unaware that she had lost the debit card and that XXXX counterfeit checks were deposited to the account. Whomever perpetrated this fraud capitalized on the fact that immediate credit was provided by TD at the time of deposit. ATM withdrawals were then executed against the account over a 12 day span. Once we were aware that the card had been lost and the account compromised, we filed an unauthorized electronic transaction claim with TD. At the request of bank investigator 's, a police report was filed with the XXXX XXXX Police Department. 

In explicably, TD Bank has denied our claim, citing as the basis for its decision, the fact that no additional transactions were attempted after the checks deposited were returned as counterfeits and because the transactions were consistent with our normal usage pattern. XXXX 's actions in this matter are a flagrant violation of Reg E and raise a question as to whether it 's policies in this area are in conformance with the requirements of the regulation. How many other consumers have been unfairly treated as my daughter and I have been? 

I want to emphasize that the unauthorized transactions were all conducted in XXXX, NJ. My daughter and I reside in XXXX, XXXX, New York. Neither of us has ever recorded a bank transaction in XXXX, nor did we transact in the amounts and frequency noted for the fraudulent transactions. Moreover, there is no significance of the fact that unauthorized activity on the account ceased after there were no longer available funds. 

Reg E requires that a financial institution have evidence that a covered transaction or transactions which form the basis of a consumer claim were not unauthorized if it is to deny the call for reimbursement. TD Bank has no such evidence and the inaccurate and absurd reasons it offers to unlawfully deny my claim is behavior that warrants an examination by the CFPB.
I was astonished once I viewed my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2016 I  already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to Sequium Asset Solution which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or applications obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question. Sequium Asset Solution has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Sequium Asset Solution. Sequium Asset Solution is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
I filed a CFPB complaint against American Express on XX/XX/2019, got response from the company today as of XX/XX/2019. However, the company refused to address my complaint by stating " During your online application you were advised based on your history with American Express Welcome offers, introductory APR offers, or the number of cards you have opened and closed, you are not eligible to receive this Welcome offer. The message also explained that no credit check had yet been performed and you were given the option to cancel the application or proceed. You elected to proceed with the application, without the Welcome offer. '' This claim was completely false. I am 100 % sure no such message was provided during my application, or I would not have proceeded with my application. In my initial complaint letter, I also clearly stated " Then I was told that on the Amex website where one can apply for the credit cards there will be a message towards the end of the application process that tells you if you are eligible for the welcome offer prior to the final application processing. However, in my case no such message was provided during my application process. Hence, I assumed that I was eligible for the promotional offer. More importantly, Amex should be obligated to inform the applicant immediately even if they have the so called " reserved rights '' to decline offer any time for any reason ( based on what the online agent said ). '' I suspect that the company was not even paying attention to my descriptions in the letter. This was a deceptive marketing event and though my conversations with other American Express customers, I learned that I was not the only one affected by the recent fraud activities. I demand that this event be thoroughly investigated and further involvement of legal authorities if necessary.