WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2016, XXXX of XXXX, NJ sold my mortgage to XXXX.. XX/XX/XXXX, I paid my mortgage payment to XXXX as instructed. XX/XX/XXXX, XXXX reported that our mortgage was 30 days delinquent for the XX/XX/XXXX payment which was paid to XXXX and posted on XX/XX/2016. Because of this, mine and my wifes ' FICO scores have dropped dramatically. We have never been delinquent. XXXX has not agreed to correct this despite our written complaints to them ( attached ).
I had originally disputed with XXXX about incorrect items on my credit report that were in collections on XX/XX/XXXX. Transunion had a completion date stating XX/XX/XXXX. I did n't receive an email until XX/XX/XXXX that my investigation was complete. First, since I received the results on XX/XX/XXXX instead of XX/XX/XXXX, I was improperly notified and that these items should immediately be eliminated from my credit report. Second, when I had reported Transunion to the CFPB, Transunion stated a second investigation would take place but never was. The results that arrived the XX/XX/XXXX were the only results provided to me to which they concluded the only investigation. I show on the results they also supplied with had a open investigation on XX/XX/XXXX with a blank investigation results. How can transunion respond back to the CFPB stating that both investigations were already completed when they ended their investigation on XX/XX/XXXX and did n't even start the one for XX/XX/XXXX. As stated previously, my credit report was falsely investigated by Transunion and I want those collection items deleted from my report. In addition, ever since I have started reporting this bureau, I have been receiving unwanted emails at all times throughout the day and in the middle of the night disturbing my family. As noticed online, I see Transunion has a reputation of offering deals to consumers without their knowledge and consent and these offers I 'm reviving as well which is concerning to me. I have one simple request with Transunion.
I applied for a loan on XX/XX/XXXXand got approved for the loan and after I check my email the company keep sending me a notification about my payment coming due on XX/XX/XXXX, so I make arrangements to pay a half of the loan which I got approved for {$250.00} and I paid {$100.00} on theXX/XX/XXXX so the new year comes around and I get another notification in my email on XX/XX/XXXX saying I have a payment coming due and I just paid {$100.00} on the XX/XX/XXXXit has not been thirty days for me to pay the remaining balance instead I applied for a extension until I get paid the follow month so I got approved for the extension but in the meantime they charged me {$100.00} for me to extend my extension until the next month but they did not tell me that they charge for an extension they just put it on the account at the last minute saying I knew it at beginning of the contract when I did n't not know so if they keep charging for a extension I would end up paying more than what I borrowed.
Key Bank sent a proposed arbitration provision to our Preferred Credit Line Agreement with an opt-out requirement, including that the opting out " must include the information set forth in the Arbitration Agreement, '' requiring borrowers either to make a copy or transcribe its proposed account agreement merely to preserve the existing account agreement. 

The proposed loan modification agreement was not sent by proper legal notice in New York State but was sent by First Class mail, postage prepaid, which makes the notice and opt-out provision legally dubious.
On XX/XX/XXXX I received a phone call from a private phone number stating they had to serve at my home or my job and to find out more information I would need to call XXXX. When i called the number they threatened to sue me and take me to court for over 4,000 dollars and I told them I did not want to go to court. The debt that they wanted to collect on was more than 10 years old and has not been sent to me by a letter in the mail. I set up payment arrangements for the original amount of the debt which as XXXX initially and the on XX/XX/XXXX XXXX and on XX/XX/XXXX XXXX. They stated that because I did not have the money they could do a hardship and do the payment arrangements. They also stated that I had to stay on the phone and if I hung up at any time I would be sued for the money including court cost. After consulting a free advice lawyer they recommended that I look up the number to see if it is a scam and it is. They call their self XXXXXXXX XXXX XXXXXXXX and I talked to a XXXX XXXX. They had information that I thought a debt collector would know but the way the laser described the fraud of how they attempt to get the money was spot on. Do not give them your money!! Do not disclose any of your personal information to them. Hang up the phone!
In the summer of XX/XX/2018 I was moved to the state of Nevada by Hurricane Maria for a  job offer. Proceedings were made with the XXXX XXXX XXXX XXXX XXXX to verify how the car that the bank could finance me move to there. The XXXX XXXX did not have branches in that state did not allow the vehicle to be moved at less than It will not be paid in full. As this payment was not possible, we were forced to voluntarily give it up. In these circumstances, it seems to us that the consumer should not be harmed with a negative credit report when banks do not have alternatives for this type of transaction in interstate commerce.
After chapter  XXXX  completion my credit report now shows a balance on an account from   XXXX    XXXX . This is inaccurate and a violation of the federal court order. Please review the following documents. I recently completed my chapter  XXXX  and all creditors should be listed correctly with a zero balance.  Review  carefully and follow the law. Account should be closed and show  XXXX  balance.
I have a collection account from XXXX XXXX systems # XXXX. The address stated on the report is XXXX XXXX, XXXX, Texas XXXX. Phone number XXXX. This was for an XXXX charge at XXXX XXXX XXXX XXXX. I Called XXXX XXXX and they stated I do n't owe anything, my balance is {$0.00}. I also called the collection number and spoke to XXXX. She confirmed that I am not the person they are looking for, but wants me to fax her my ID and social security number. Should I Do it?
C & H Collection Services Inc. located at : XXXX XXXX XXXX XXXX, NJ XXXX Phone : XXXX I am a U.S. XXXX XXXX service member who was injured and seen at " XXXX University XXXX '' after the facility received full payment by a federal HMO they continued to file debt collection against me with C & H Collection after no less than six calls on my part promising resolution of the matter over the past 8 months. On XX/XX/XXXX C & H filed a {$960.00} collection fee against me which is simply extortion, I will be filing my complaint with law enforcement for hopeful resolution of this matter. Frankly, I am disappointed in the BBBs A+ rating for this firm which merely indicates they paid the advertisement fee for a better rating.
My second mortgage loan with XXXX XXXX XXXX past due amount was paid in full in XX/XX/XXXX. And, I continually pay the monthly payment due each month until the full amount, showing on my credit report to date, is fully paid. XXXX XXXX XXXX must change the status of my loan to " pays as agreed ''. Charged off account, as committed by XXXX XXXX XXXX is false, as I am current on my monthly dues as noted on my credit report. 
On my personal information, the XXXX addresses showing and reported that I have lived in : former addresses XXXX and XXXX need to be deleted. I do n't recall living in these XXXX addresses. 
Lastly, there 's a query listed from a XXXX XXXX on XX/XX/XXXX. Please remove that on my profile, I have never dealt with XXXX XXXX before. 
Lastly, how do I go about clearing the 'negative accounts ' on my credit report? 
I appreciate your help resolving the issue as noted here. 
Thank you
I was made aware a few weeks ago that I was being charged for " debt protection '' service on my Best Buy Store card. I have at no point ever signed up for this service, nor have I ever used it. I immediately called to cancel when I found out that this was being charged to my card and that all that money was going towards nothing. They cancelled the service and submitted a request for a refund. I received a letter today denying that request, because my account " was protected by the program benefits through the end of the billing cycle in the month I cancelled '' despite the fact I have never used these " benefits nor would I ever need to. This letter also stated that I had signed up for this service in X/XX/2007, which is also untrue as I would never knowingly add extra fees to my monthly payment. Again I have never used this service. Their customer service advised me that they have no number to provide me to rectify this, or speak to the people who process these requests. They gave me a mailing address and told me they can make another request which I 'm sure will yield the same results. I would like these fees refunded to me as this is deceptive and they have gotten probably thousands from me for something I never consented to or needed. <P/>I am DEMANDING a copy of the application that they claim gave them my consent for this " debt protection service '' Their whole crux of this argument is that they have my consent from this application from 2007. I have not seen this proof of consent, without which they have no proof or consent from me to have enrolled me into this program. I have never consented and am again demanding a full refund of these fees.
On or around XX/XX/2018 a letter was received by your offices stating that you were representing a client named XXXX XXXX the letter further stated that an amount was owed. A letter was sent by my office via certified mail and within the 30 day time frame outlined by FDCPA. In the letter that was sent your office, it was clearly outlined that this debt was in dispute and outlined what was needed by your offices to validate this debt which included a copy of the Legal instrument that was used that binds Mrs. XXXX to the disputed agreement and the disputed amount. It was also requested that your office provide detail accounting information to show how your client arrived at the disputed amount. Unfortunately the only thing that was provided by your office was a very questionable photo copy of a statement. Another certified letter was sent to your office on or around XX/XX/2018 questioning the photo copy of the document provided to my office and once again asking you and your client to please provide additional documents along with the original documents requested to validate this debt. In both letters it was also very clearly stated that if your office proceeded to reported disputed and inaccurate derogatory information to any of the credit report agencies, civil legal action would proceed without hesitation. As of XX/XX/2018 your office has provided nothing that validates this debt and have ignored the certified requests to provide the additional information needed for my office to conducted a proper investigation into this matter.
In XX/XX/2016 I filed numerous disputes with chase auto finance, XXXX XXXX XXXX, and XXXX XXXX XXXX regarding an account that is very old. Not only is the information they are providing incorrect, ie status, history etc, but they are ONLY reporting negative information and none of the positive info. They failed to respond to one dispute within 30 days and did nothing, sending me a letter stating that they dont need to respond to every dispute or something to that effect, and all of the other disputes were verified as accurate which they are not. Even IF, and it is not, but even IF the information was accurate, they are ONLY reporting negative info which i believe to be a violation based on information provided by this website.
Citi refused to generate my credit card statement for the month of XXXX. My last statement was generated on XXXX XXXX, and then I requested a change of statement date on XXXX XXXX, when a Citi rep told me that the request would n't affect XXXX ( 2015 ) statement generation. Now, Citi has refused to generate a statement for the month of XXXX, saying that the new statement will only be available on XXXX XXXX. 

As a result of this, I 'm not going to have a statement for the month of XXXX, and thus, I wo n't receive any signup bonus ( XXXX points ) that I was promised. I was planning to use the signup bonus ( worth {$660.00} ) to make a travel booking, and because of incorrect information given by a Citi rep, I will have to make alternative arrangements. 

When I pay {$450.00} annual fee for a credit card, I expect better service. Citi reps are very unhelpful.
I fell behind on my XXXX/Wells Fargo Credit Card. I called several times to see what my options were for repayment. I called in XXXX to set up a payment plan, in which I did. I spoke to XXXX and she set me up on a plan for {$100.00} a month until XX/XX/XXXX and then {$38.00} on XX/XX/XXXX. This would pay my bill in full and close my account out.

Recently, I received a notice that my credit report is showing this account as charged off. I have not received ONE piece of mail or ONE phone call to say that this was the case. I called XXXX/Wells Fargo Credit Card on XX/XX/XXXX, I spoke to XXXX, she said that they can at their own discretion at any time " six or seven months '' late and file it as a charge off. She also said the only reason they would remove the charge off status was if it was a bank error. Then, XXXX got on the phone and proceeded to tell me that she has me on a recorded phone call saying that I knew that this was a charge off. This never happened. She said she was going to transfer me to a Executive Office and hung up on me. I have paid all of this bill from the first payment as I said I would. This is ridiculous.
AARGON ORDERED EXPERIAN TO COMMIT CREDIT COLLECTION AND REPORTING FRAUD AND REFUSES TO REMOVE SAID ACCOUNT AFTER PROVING THAT THE ORIGINAL CREDITOR IS ACCEPTING PAYMENTS IN VIOLATION OF FDCPA, FCRA
MOHELA does not allow payments to be made on accrued interest for existing loans if you continue to borrow. So you can not reduce the interest that will be owed on your loans when you graduate. This information is not clearly available anywhere on their website, and when attempting to pay off my accrued interest via phone, which is apparently the only way to direct payments, the representative assured me that my payment would be applied as directed. It was not until checking my account the following week that I was made aware of the error. Finally after calling another different representative they finally informed me that their rules did not allow my intent.
1. Ive never had a phone from this company. Ive reach out trying to see exactly when this bill was acquired, and exactly how much of my personal information was out there. They had me name and my social security number but they wouldnt give me anymore information. 
2. XX/XX/2013 is the date that the bill was acquired. 
3. Collection bill is XXXX {$4.00}. Collection company is XXXX XXXX XXXX. 
5. Original collection company is XXXX 6. Ive tried to explain to them that is not my bill, and I should not have them calling or sending letters trying to get me to pay it. They do not care they only want the money I do not know what else to do.
EARLIER IN THE YEAR I CHECKED MY CREDIT REPORT AND ALL OF MY INQUIRIES WERE GONE. NOW THE INQUIRIES ARE ALL BACK ON MY CREDIT REPORT.
I depositid a cheque at a Wells Fargo branch, I was told then that they needed to verify the check before dispersing funds. A few days later i saw funds in my account. I had some debts im trying to clear so i clear it. A day later i tried to use my card to do business i was told my card was declined. I called the bank customer care and they told me that my card was declined because something was wrong with the check. I as why was i informed of this and i didnt get an answer. A few days later i was told that i needed to pay back the money that was taken from the account, I ask why was the cheque verified if there was a problem they told me that was my responsibility. So they told me there was a scam going on like that so it seems as if i was scammed. I asked then if you guys knew this why didnt you verify the cheque properly, based on the fact that it was a large sum on the cheque, i didnt have no moneyin the account and my account was only a month old. I was told that the fund shouldnt have been dispersed base don those stated reasons. I was told by a banker that he would look into the situation and get back to me. It has been 2 weeks and i havent heard from him. Recently recieved a call from collections that i need to make payments because my account was in over draft. Now i have been asking questions and no one answered and no clarification, I also know if the bank had did there job i wouldnt have been in this situation and they dont want to take no responsibility. All i have gotten from them was a disrespectful customer care agent, poor service and collections streesing me and i aint working. So i was told by a legal aid lawyer to report the situation to the commisioners of banck and that site directed me here so im making a compaint hope to hear from you soon
I have been fighting ID THEFT and please need to dispute the following accounts due to them begin fraud!! I have sent supporting documents in several times and please ask these documents be used to block and or remove the following. Also please lock my credit report and notify the companies that reported the fraud accounts under my name and SSN. Thank you. 
1. XXXX XXXX Reported : XX/XX/XXXX 2. XXXX XXXX XXXX Reported : XX/XX/XXXX 3. XXXX XXXX Reported : XX/XX/XXXX 4. XXXX Reported : XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXX  Reported : XX/XX/XXXX 6. XXXX XXXX   Reported : XX/XX/XXXX 7. XXXX XXXX Reported : XX/XX/XXXX 8. XXXX Inquiry : XX/XX/XXXX Inquiry : XX/XX/XXXX Inquiry : XX/XX/XXXX Inquiry : XX/XX/XXXX Inquiry : XX/XX/XXXX 9. XXXX XXXX XXXX Inquiry : XX/XX/XXXX 10. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX 11. XXXX XXXX Inquiry : XX/XX/XXXX 12. XXXX XXXX 13. XXXX XXXX Inquiry : XX/XX/XXXX 15. XXXX XXXX Inquiry : XX/XX/XXXX 16. XXXX Inquiry : XX/XX/XXXX
My Capital One credit card was written off XX/XX/XXXX. The debt was sold to a bill collector. The bill collector ( XXXX ) says they are Collecting for Capital One. I just verified this statement with one of XXXX agents over the phone on XX/XX/XXXX. I have been paying on this account to XXXX for over 4 years. On my credit reports the capital one bill decreases with payments made to XXXX. Also, the account with Capital One EXCEEDED the credit card limit due to OVER the LIMIT FEES. I never signed anything agreeing to go beyond the credit limit due to them adding OVER THE LIMIT FEES. I want to see my signature agreeing to OVER the LIMIT fees. Is n't it criminal to set a credit limit for me then charge me more, because your over the limit fees, place me over the limit more??. Even though Capital One wrote this off in XX/XX/XXXX, they have still been collecting money on this account as late as XX/XX/XXXX. If you look at the decreasing balance on my credit reports for capital one this is evident.
I have an inquiry on my credit report from XXXX XXXX XXXX XXXX. I have challenged this inquiry monthly for several months with the bureau and the creditor asking for the application because I do not recall authorizing this inquiry. No application has been provided in order for me to determine if this was an attempt at identity theft. Each month they send the exact same response saying they can not comply.
XXXX reported a collections notice on my credit reports within the last few days in the amount of $ XXXX. I do/did not have an account at XXXX and I consider this entry erroneous and fraudulent.
***LOAN FRAUD BY CURRENT USAA EMPLOYEE******NEW EVIDENCE FROM XXXX XXXX CEO XXXX XXXX ... .. HE WAS THE ORIGINAL MORTGAGE BROKER ... HE CONFIRMED HE SUBMITTED PROPER ESCROW AMOUNTS TO XXXX XXXX ... AND XXXX XXXX COMITTED LOAN ORIGINATION FRAUD IN DIRECT VIOLATION OF THE TRUTH IN LENDING ACT BY CHANGING THE AMOUNTS THEY MADE THE PAYMENT APPEAR LOWER TO THE BORROWER ... AND THEY DECIEVED THE ELDERLY XXXX  YEAR OLD VICTIMS**** ***XXXX XXXX AND XXXX ( WHO XXXX XXXX   SOLD THIS LOAN TO ) HAVE BEEN ACTIVELY CONSPIRING TO DEFRAUD THE U.S. GOV ... MORTGAGE INSURANCE ... AND CONSUMERS IN DIRECT VIOLATION OF COUNTLESS LAWS*** XXXX IS FULLY AWARE OF THIS LOAN ORIGINATION FRAUD AND THE LATER ESCROW FRAUD AND HAS BEEN FOR SEVERAL YEARS AS WE SOUGHT CIVIL RESOLUTION WITH A BASIC REQUEST TO HONOR OUR RIGHTS*** XXXX XXXX COACHED XXXX XXXX TO CONSPIRE AND ENABLE THIS FRAUD WHILE HE WAS EMPLOYED AT XXXX   ( XXXX XXXX NOW WORKS FOR USAA AS A VICE PRESIDENT ... ALSO FOR A COMPANY CALLED XXXX XXXX   ACCORDING TO HIS VOICEMAIL ) ***WE ARE MOVING FORWARD IN A COURT OF LAW ON THE CIVIL SIDE BUT I ALSO WANT TO SEE CRIMINAL PROSECUTION AND FINES FOR A CORPORATE CULTURE THAT FEELS IT IS ABOVE THE LAW***YOU HAVE LOAN FRAUD, ESCROW FRAUD, WIRE FRAUD, THEFT OF PRINCIPAL WITHOUT XXXX XXXX, MAIL FRAUD, CONSPIRACY TO DEFRAUD U.S. GOVERNMENT ( BY STEALING HOMES AND LLEGALLY COLLECTING FEDERALLY BACKED INSURANCE PAYMENTS ) ALL PROVEN AND I HAVE THE EVIDENCE TO SUPPORT IT IN ANY COURTROOM*** I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Everyone knows what 's happened ... .and ocwen is still getting our home ... this is for ms . XXXX XXXX ... .you sent my attorney a packet and in it you stated our insurance was XXXX..and XXXX ... thats correct ... .bc I cancelled it and changed it ... .but if you look right there in the paperwork submitted to you by ocwen that you so thoroughly researched ... there are premiums ... sometimes twice a yr ... in the amounts of XXXX ... XXXX ... XXXX ... but you thoroughly went threw the paperwork??? Right!!!!
XXXX was contacted several months ago to notify the merchant that there are two accounts listed on my credit report ( when I only had one account with XXXX ) that has been paid off and closed. 
XXXX account ( XXXX ) - This collection is listed twice on my report- XXXX was requested to remove the duplicate collection item. 

C. Additionally, please change the comments about the account to note that the account was closed by the consumer ( not creditor ) due to termination of services.
Enhanced Recovery inserted collection on my credit bureau. Per letter sent to me by creditor a verification of debt was requested promptly on XX/XX/XXXX ( attached ). A letter to all XXXX credit bureaus was sent on XX/XX/XXXX. No response from Enhanced Recovery has been received as of XX/XX/XXXX. A call to creditor on XX/XX/XXXX acknowledges receipt of letter dated XX/XX/XXXX for verification. They also acknowledge they can not verify accuracy of debt or date of XXXX delinquency. Per my records, this account was paid in full to the original creditor and the account was closed prior to XX/XX/XXXX. Per the Fair Debt Reporting Act, any debt reporting needs to be accurately reported and a verification of debt is required if requested by consumer. Furthermore, any debt with XXXX date of XXXX delinquency over 7.5 yrs from the original debtor can not be reported to the CRA 's.
Please be advised I have a tradeline from XXXX XXXXXXXX XXXX on my credit report! It is a self lender account as to where I paid a certain amount each month and it is deposited into a CD and at the end of the term ( which I have completed ) I get my money plus interest back! The tradeline is showing I was 30 days late in XXXX of 2017 which is not correct! I was never 30 days late!