WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : XXXX XXXX {$100.00}, XXXX XXXX XXXX XXXX, Omega RMS {$3100.00} To Whom It May Concern : This letter is in response to your recent claim regarding Acct # XXXX, which you claim such as I owe an amount of {$100.00}, {$760.00}, {$3100.00},. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
I keep receiving late charges on my auto loan monthly even if I send in an amount over what is owed on the loan. {$6.00} is being charged every month and I get a separate statement for late charges and one for my regular payment. The company is Ally Financial. Here 's an example- My monthly payment due is {$300.00}. Statement total was {$390.00} which included a {$66.00} past due total and a {$24.00} late fee. I paid a total of {$500.00} which should have covered everything. {$430.00} was applied to unpaid balance and {$68.00} was applied to finance charge. No money was applied to the late charge but then I get another statement/letter saying I still owe {$27.00} in unpaid late charges. I feel like I 'm being robbed here. Can you help me out?
Bank of America has illegally re-aged XXXX accounts and is reporting this negative and incorrect information to the credit reporting agencies. They are reporting a new date of first delinquency XXXX/XXXX/2012 this is absolutely inaccurate and incorrect.
I have been a XXXX  for over four years now. As a XXXX, I qualify for the PSLF program. I have been making payments since 2014 on my student loan. Recently I found out that I was put into the wrong program for qualifying payments. After paying back about {$14000.00} dollars in student loans, It shows that I have only had 6 qualifying payments. SIX!! I did the math and based on my current monthly payments, it calculates to about 70 qualifying payments. I tried to call the phone number and they said that I wasn't in the correct repayment plan. They knew I was a XXXX and they placed me in the wrong program. I tried calling the Department of Education ; still no help. It's a shame that this company is the only option for PSLF because based off of all the negative reviews and complaints, they are taking  advantage of XXXX like myself and others. For a company to prey on the people that work in the public sector is a shame.
Experian has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Additionally Experian has taken more than 30 days to investigate as per FCRA and should immediately remove the items below. Please see items below ACCOUNTS XXXX XXXX XXXX NEVER LATE XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX INQUIRIES XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX
My XXXX student loans were forgiven on XXXX/XXXX/16. Navient refuses to report XXXX balance to XXXX. I have disputed 4 times to no avail. Navient acct XXXX.When XXXX asks for docs they tell them the balance between the XXXX is $ XXXX instead of zero.I can not get Navient to cooperate.
I am currently trying to get a loan modification review through SLS but they just told me today that they could not because they need 38 days to look at my file. This seems odd because I have been submitting documents and was never told that. I submitted my loan modification documents over 10 days ago and additional conditions over this weekend only to be told that they can not look at my paperwork.I am concerned because I have not received anything in writing and feel that SLS just does n't want to work on my file. I get teh sense that they are going to just let me lose my home. I have a sale date for XXXX/XXXX/16 and I do n't want to lose my house to foreclosure.
I have my internet service through XXXX XXXX. The company has been charging my American Express credit card every month but not giving me credit for the charge every month. InXX/XX/XXXX XXXX XXXX charged me {$1400.00}. The charges should have been on the order of {$700.00}. They are charging my credit cardXX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX andXX/XX/XXXXof this year as well and I have not gotten credit for any of the charges in XX/XX/XXXX
Pennymac is not acting in good faith, and are ignorant to my complaint, they are reporting a negative account under my name with no history. Despite several attempts to correct it and advising them that it 's not mine.
I received a debt collection letter from Williams & Fudge Inc for the College of XXXX Nevada stating I owe {$920.00}. I never attended the school I signed up for classes but immediately withdrew because I had to move. I also received an email from the school confirming I did not owe anything. I emailed a copy of my document to XXXX XXXX XXXX, XXXX informing them I do not owe any money. This company stated if I do not pay they will report me to all the credit agencies. How can they do this and I dont owe anything.
The XXXX XXXX account being reported on my credit report has been settled and there is a XXXX balance. My experian report is not reflecting as such. I am in the process of buying a house and this discrepancy came up. I demand full deletion immediately.
There XXXX issues regarding the medical debt collection company " Medical Business Bureau, LLC '' besides the fact the " Bureau misrepresents a government agency. 
1 ) I received a medical bill from XXXX, that is correct. The due date of this debt is XXXX XXXX, 2016. During the same time, I received a collection notice from Medical Business Bureau, dated XXXX XXXX, 2016 that they where attempting to collect a debt, and that the amount was assigned to them by XXXX XXXX before the actual due date of the debt. Please see attached documents regarding the bills looking at the dates. 
2 ) I received a negative credit report for a debt that did not belong to me. I negative report was furnished by " Medical Business Bureau, LLC '' I attempted to contact them regarding the debt, and they acknowledged that it was an error in there part, and that the notified the XXXX major credit reporting agencies. The issue with this is that this was not my debt, I was offered no time to dispute the debt, and the debt was reported in XXXX. Since the negative report to the credit reporting agencies, my credit score has dropped by a significant amount greater than XXXX points, and may possibly affect the APRs on several credit card accounts. Please see the XXXX credit report page XXXX. 

Since this issue has begun, I have used all the XXXX credit reporting agencies free reports, and will not be able to receive confirmation regarding any of the corrections.
This vehicle has been paid off. I have made several attempts to obtain my title for the vehicle over the last several months and have not received it. The status on my credit report does not reflect as agreed. Account was to reflect paid in full. This car was sold with a false odometer statement and I have put less than XXXX miles on the vehicle since purchased 5 years ago due to mechanical issues. I got behind on payments earlier this year due to me having to purchase a more reliable vehicle. Tried to make several attempts to lower my payments with wells fargo by possibly refinancing the vehicle. My credit score was great but they would not refi due to me informing them I do n't know the actual mileage on the vehicle because I found out when I tried to trade it in the XXXX showed the miles were rolled back. This loan has caused me to go through financial hardship and tarnished my credit. Wells Fargo was not help with coming up with a solution or making any type of agreement to make payments affordable. I offered several options and they declined them all. Once I received my tax refund this year I called to pay the car off in full. I was told by the rep she could save me some money by settling for half the balance which I paid. I now feel like I was scammed. I have not received my title, and my credit report reflects the incorrect status. I have a big piece of junk sitting in my driveway I can not get rid of because I lack the title.
I CONSTANTLY CHECK MY CREDIT FILE NOW AND I LOOKED AT MY REPORT AND NOTICES A LOT OF ACCOUNTS THAT JUST POP UP ON MY CREDIT FILE ( WOW ) THESE ACCOUNT TRULY DO NOT BELONG TO ME I HAVE CONTACTED EXPERIAN IN REGARD TO THIS MATTER VIA CERTIFIED MAIL AS WELL AS NOTARIZED AND THEY STILL HAVE NOT DONE ANYTHING WOULD THIS HAVE TO DO WITH THE EXPERIAN BREACH? IF SO WHY WANT THEY HAVE SYMPATHY FOR THE CONSUMERS WHEN WE TELL THEM THE TRUTH THE CREDIT BUREAUS SUPPOSE TO PROTECT THE CONSUMERS EXPERIAN DO NOT DO ANYTHING AT ALL TO HELP THE CONSUMERS ALL IT TO THEM IS A MONEY MARKET
I am sorry but I have already made a claim with your office but I have new documentation so I was told to redo my claim. On  XXXX   XXXX    XXXX   I disput ed 1 BK and 6 Tax Liens on my  XXXX . They removed 1 BK 5 Tax liens ( with cfpb 's he lp ) on  XXXX   XXXX .   XXXX   but back on the BK a few days later.   XXXX   also sent me a lett er ( attac hed ) stating that I do not have a BK on  XXXX   XXXX . Then sent me another letter on the same  date ( a ttached ) saying I do have a BK a nd 1 tax lien. I hav e attached a letter fr om the County Clerk 's   office stating they do not report to credit bureaus yet my report states  XXXX   XXXX   XXXX  reported to them. This seems to be incorrect report per the  Federal Laws.  I have attached proof of the information stated.
I had an account with BB & T. when I open the account I specifically told them I did not want no over draft protection. when I could n't get no where with them between them charging me for calling them to check the status of my claim, I close the account but they never did. instead they kept charging. I just call them and they told me that charge me over {$600.00} fro an account that was supposed to be canceled.
A state tax lien was placed on my credit reports for all 3 CRAs. The Lien does not meet the new reporting guidelines ( does not contain SSN or birthdate ) So I would like it removed from Transunion, XXXX and XXXX. I am in the process of filing amended returns on all of these as the original return was calculated incorrectly.
Good afternoon, XX/XX/XXXX I finance the car the US military loans. At the time of financing the car I was told I would be able to take the car back to the United States when PCSing. I am being sent to a warrior transition unit due to injuries I sustained during XXXX XXXX in the military. I emailed US military lawns asking permission to bring the car to my new duty station. I was told by XXXX XXXX that I would need to sell the car back to the dealership that I purchased it from and I wouldnt be allowed to bring the car with me. I have never missed a payment or been late. XXXX  reasoning for not allowing me to bring the car with me is because of my DEROS this was not part of the contract. I sold the car back to deal at a lost of XXXX. I also put down XXXX at time of purchase I would have almost paid off all of the car after paying all this including my payments I have made. I want us military loans to refund me the XXXX down payment and pay off the remaining balance as they didnt honor their contract. I cant afford this I have to purchase a car now so I can get to medical treatment for my injury. I cant believe a company for the military would treat a XXXX like this.
I lived in XXXX XXXX rental complex in XXXX, Pennsylvania from XXXX until XXXX. Although I had paid all my rents on time and had returned the apartment in a perfect condition and had the agent of the rental complex inspected the apartment, despite having XXXX Dollars security deposit, which XXXX XXXX never returned to me, the XXXX XXXX XXXX , without any notification to me ( although they had my new address, phone, and email ) sent XXXX Dollars for collection to Hunter Warfeild Collection Agency in XXXX, FL. This apparently happened in XX/XX/XXXX. Hunter Warfield never attempted to contact me and reported the collection to Credit Bureau in XX/XX/XXXX, which was almost 5 years later. I first noticed the issue on my routine credit checks in XX/XX/XXXX. I paid the collection immediately, total of XXXX Dollars, including the collection fee, although I did not think I was responsible to that. 
This XXXX dollar collection had drastic effect on my credit score and my overall financial life. I had never have a single late payment in my entire life. All my credit scores were in top tier. Only with this issue, my credit score dropped significantly. As of last 2 years, I had multiple attempts to get a home loan and I have been turned down every time.
RE : A ccount Numbers -  XXXX  -  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , MI  XXXX  phone -  XXXX  email -  XXXX  XXXX  XXXX  My mother,  XXXX   XXXX   XXXX , had a mortgage that was held by CitiMortgage. She held that mortgage as an individual, it originated  XXXX . My mother passed away  XXXX   XXXX ,   XXXX  . I informed CitiMortgage of my mother 's death and sent the death certificate. My mother did not have a will nor did she has any assets. I received a mortgage statement from CitiMortgage the following month with my name  (   XXXX   XXXX   )  and my sister 's n ame (   XXXX   XXXX  ) listed on the mortgage. I contacted CitiMortgage and they stated they put our name on the mortgage now that my mother had passed away. I explained to them they can just add someone else to a mortgage, we had nothing to do with my mother 's home. They reviewed the closing documents and discovered neither myself or my sister had signed any documents. They faxed me copies of the documents on  XXXX   XXXX ,   XXXX  . It appears my mother listed our names on the loan application under the title without our knowledge. They stated they would remove our names. We did n't receive any further statements from them. I did not nor did I ever live in my mother 's house. I did not obtain her house after her passing nor did I benefit from her home. Neither did my sister. I assumed everything had been corrected. I obtained a recent credit report which is listing  CitiMortgage with more than 17 late payments adversely affecting my credit report. Even though the y stated they removed my name from the mortgage they continued to report negatively on my credit for an additional 4 years.
Citifinancial decided yet again to transfer my loan and change my account number which resulted in them taking my money but refusing to apply it to my account. Now I am being charged interest in should n't be and I can not do my taxes
There is a {$340.00} reported XXXX XXXX ) by transunion on my credit report. This is wrong, i dont know what this is about and it is reported as derogatory XXXX on my credit.
they did not update or provide proper documentation as stated they would. very rude and unprofessional. they are the only company that would not or give information needed once debt was paid.
Review the attached letter to this complaint from United States Senator XXXX Office. I received a letter from Senator XXXX office regarding his representatives speaking with Equifax representatives in regards to accounts listed on my credit report that 's not mine and incorrect information. Equifax informed U.S. Senator XXXX representatives that, they will review the errors on my credit report and immediately delete and block the accounts from my credit report. They fraudulent and unauthorized accounts are still listed on my credit report.
Experian has put an address on my credit report that is neither my address or a valid address. I have tried to dispute this address information with Experian but am unable to use the online function and do not receive a response via mail.
The credit bureau 's were reporting a bankruptcy and that the courts do not verify a bankruptcy and therefore they the credit bureau pulled the information from a third-party reporting agency and therefore that information must be deleted.
we closed on our home XX/XX/XXXX. we received a notice in our XX/XX/XXXX mortgage paperwork that our escrow account was short by {$5700.00}. Since we have addressed the issue with our original lender, mortgage company and our current mortgage company we have been given so many different answers, reasons, amounts. Somewhere something does not add up correctly. The notice that we received in our XX/XX/XXXX statement was dated XX/XX/XXXX, which is 2 months past already. We need someone to look into this issue as to why our escorw account is so low and find the underlying problem. My husband and i have been paying what we were suppose, actually even more every month. I think either the original lender did wrong calculations or when the file was bought out thibgs were left out and evry person/company is only pointing fingers. PLEASE HELP!
I have sent Experian numerous of certified letters requiring them to verify my Chapter XXXX Bankruptcy. I have included copies of the original disputes, which lists in detail the type of verification requested. I understand that my bankruptcy remains on my public record, not my credit report. This Bankruptcy is a third party reporting, Experian was able to get my public information. XXXX Court and credit bureaus are not affiliated in any manner and the court is unaware of their process and procedures for reporting or removal of information from a credit report. In addition, the XXXX Court does not report or verify information with credit bureaus. The credit bureaus have their own procedure for retrieving information from the public record of the XXXX Court and the court has no knowledge in this regards. I ask Experian to validate ( 3x 's ) with the United States XXXX and provide me with copies of and documentation associated with my Bankruptcy, bearing my signature. This unsatisfactory as proof that Experian is unable to provide me the documentation. Experian, have not complied with my right to have validation of my Chapter XXXX Bankruptcy, according to the standards of the FDCPA, and you not responding is hereby rejected as a validation of the Bankruptcy. You must remove the collection listing from my credit report, or I will file a lawsuit for violation of the Fair Collection Practices Act, Negligent of Identity fraud and Defamation.
I have disputed the account XXXX XXXX XXXX  XXXX with Experian for several attempts, to no avail. The account should not be reported on a credit report since this is not mine, I never sign up for this account..Worst, the credit bureaus wont provide proof of the account..CFPB please step up and remove the account
My problem is the payday lender is harassing me via phone. I just received a voice mail threatening me to contact her within 24 hours or I 'll be charged with bank/check fraud. I Was given a " case number '' that does n't really exists and told to call a certain number XXXX XXXX XXXX - XXXX XXXX XXXX when she called on an " Unknown '' number. I 'm tired of these people trying to scare money out of people. They need to be stopped!
I deposited a check on XX/XX/XXXX from a company that I do business with and deposit checks from periodically. I have never had a check returned from this company or any other check returned that I deposited in any of my accounts at this bank, but a one week hold was put on the funds without any notice being givento me until I was told when I walked in to a branch on XX/XX/XXXX. I received the attached letter on XX/XX/XXXX
I have an account with Experian Credit Bureau : Member ID XXXX XXXX XXXX XXXX My name on the account is XXXX XXXX XXXX and I am trying to cancel my account. I have tried every avenue - all phone numbers. The phone is answered by automated message that ask your name and social security and then Im transferred to a line that continues to give you propaganda about their services and after many attempts to various phone numbers no one ever picks uo. I need to cancel this service as I can not afford to continue with the monthly fees. 

I feel this must be illegal and fraudulent. What kind of country do we live in that an agency who reports our credit history is inflicting a fraud on the same people they report on. Reports that effect the quality of lives of Americans all over this country. 

I hope you can help me.
Good Morning, I am contacting the CFPB again about my account with Ocwen Servicing , Ln # XXXX, Since the last time I have contacted CFPB supposedly the account was corrected. Yet, the account is now showing two payments past due when just the day before it was due for XX/XX/XXXX. I have no clue what is going on as Ocwen sends notices, but nothing matches up to what they are doing. Please note previous complaint as I an get very upset with the manner the account is being handled again. To my records the account is up to date, and due for XX/XX/XXXX. I would like the CFPB to do a complete audit on my accounts as I have no confidence with nor trust Ocwen Servicing. I honestly think they are taken advantage of the loan modification as my balance keeps going up. I had financial problems in the past, but I am coming in good standing these days. Please, please have someone audit my account as I trust you all and have the confidence it will be handled correctly. I am trying to maintain and move forward and Ocwen keeps make changes.