WillisBack/dataset-financial-user-claim huggingface dataset:
When I recently received my credit bureau report, I am surprised that there is a dispute by borrower posted by CitiMortage. I do not recall that I initiated any dispute with CitiMortgage and I havent received any notice from CitiMortgage about this dispute. Neither when it was posted nor any investigation result from CitiMortgage. Nothing at all. We are applying for mortgage and this dispute is the only hurdle preventing us to get this loan to closing our house. To continue our loan process, I am asking CitiMortgage to send me an email ASAP stating that the CitiMortgage receives my request to resolve this dispute on my bureau profile. My email address is XXXXXXXXXXXX. My loan number with CitiMortgage is XXXX. I called CitiMortgage initially but the customer service declined my request and asked me to wait for the final resolution from their research team. Then I talked with the supervisor who promised to send me an email but I havent seen it yet. This delay could cause us significant financial consequence. We are approaching the timeline stated on our contract to close our house. We are looking for help from CFPB hoping this could be escalated. Thank you very much!
Last week I received bill from collection agency TRANSWORLD SYSTEM INC. for {$67.00}. This is the amount that reminded after payment made by my insurance XXXX XXXX. As per XXXX letter that was sent to the provider 's billing office I am not responsible for any payment. I spoke numerous times with representatives from the provider 's billing office and XXXX representatives. During my last call to XXXX on XXXX/XXXX/15 I brought up my concern to their attention that this could be sent to a collection agency. I was told my case is urgent and will be escalated.
I refinance my house note as I was doing it payment stop. once the refinance was completed the payment was place on the back of the note. Wells Forgo still reported it on my credit report as not paid and will not remove it. now I have XXXX miss payment on my report.
Equifax did not take the proper precautions when storing consumer information, then waited six weeks after discovering the hack before informing the public. According to Equifax, I may have been affected by the incident. Equifax may have exposed my social security number, driver 's license number, and many other pieces of personally identifiable information without my consent.
I was double charged for a hotel room. I stayed at the XXXX XXXX on XXXX/XXXX/16. I was charged by XXXX and by the XXXX XXXX for the nights stay. I was double charged. I have disputed the charge with Citi Bank, but they have not resolved the situation.
I received a mail from a debt collector called Windham Professional ( Phone Number XXXX ). The mail says I had an unpaid debt with another company called XXXX. Which I have never used.
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards
XXXX XXXX account is incorrectly reporting in my name. It is attached to an apartment complex address where I have not lived. Disputing from my current home address, and XXXX XXXX sent documentation showing a different name on the account. I have sent several disputes to Experian to have this removed. All I have received are automated responses.
XXXX XXXX not standing behind their Warrenty and discover card want to take their side I have all paperwork where Work performed and companies product inspected which their part failed
Hello, I am in need of some help with a second mortgage loan issue. I filed for Chapter XXXX Bankruptcy and it was discharge XX/XX/XXXX. I included both my first and second home mortgage loans. I moved out of the property. XX/XX/XXXX the mortgage company holding my first mortgage, XXXX offered me a Government refinance loan and I accepted the offer nothing was ever mentioned about or concerning the second mortgage note. I have made on time payments ever since. The Second Mortgage with Horizon Home Loans was never mentioned, I have never made any further payments to the second mortgage since my Bankruptcy XX/XX/XXXX. Fast forward to now, I am XXXX and live on a fixed income and in need of repairs to this home at XXXX XXXX XXXX, XXXX CA XXXX. My only option is to finance the repairs, however the second mortgage loan is still showing without reconveyance or quit deeded. I have made several attempts to contact First Horizon Home Loans without a single reply from. I have filed a BBB complaint with them without any response as well. My current mortgage loan company XXXX which now also owns First Horizon Home Loans has had no reply or help as well. It is like these mortgage companies do not want to discuss or fix this problem. I am at a loss as what to do next? Can you help? Many Thanks, XXXX XXXX
Dear CFPB, I'm writing for sincere assistance with correcting some information on my credit report which is hindering me from gaining employment, and getting financed for housing and an automobile. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT INFORMATION. 

Equifax is reporting a large amount of erroneous credit inquiry information from multiple consumers. I did not authorize these inquires. These consumers did not have my approval when processing a credit check. This information is negatively affecting my credit score, and I would like it removed ASAP. Please assist me in getting these items removed from my report so I can no longer be bogged down by the negative information which is impacting my livelihood.
In XX/XX/2018 I signed on with XXXX for a membership as I started up a Flower Shop ( XXXX XXXX XXXX XXXX XXXX in XXXX OH ). I signed a contract with them for the membership. What they fail to tell you is that you will be assent an exorbitant amount of fee 's monthly. You buy their products/flower containers, you purchase all the flowers for their wire orders and then you are charged on top of that a 27 % fee per order. They do not tell you this when signing on. They tell you you are going to make money. I now owe a very large flower bill that i am trying to pay down. The other thing is that they control the amount of wire orders you get and the dollar amount. They have put their fee 's so high ranging between {$1500.00} to {$1800.00} a month. Well if you are getting the necessary amount of wires, then you owe them money each month. They have since placed my account with a collection agency ( Contract Resolve Group LLC ) Since then my employee was told that they would place it on my personal credit and it would be destroyed. I was also sent an email from then now saying they have spoke to XXXX and they are now going to file a lawsuit if i don't pay it. I did over {$14000.00} in wire orders for XXXX and I received less than {$3000.00} back from them. This has caused me a huge financial hardship. I owed XXXX nearly each month and I was once again spending my money on their products and their flowers to fill their orders. Once again they control the amount of wires you get and the dollar amount. Their intent is you pay them and my intent was to make money with they. I asked repeatedly for help and they lowered my fee 's and I still owed them money. This business practice is Unfair and Deceptive. They should be fully investigated about their business practices and what they are doing to florists. This cant continue. As far as I am concerned they owe me money. The collection agency reps have been very nasty and hateful when they spoke with my employee and they discussed my debt with him. Please investigate XXXX and Contract Resolve Group LLC they cant say when they did to my employee, threaten to put this on my credit and sue me.
XXXX, Experian and XXXX are all reporting a bankruptcy dated XX/XX/XXXX on my credit. I've disputed this information and they continue to report inaccurately without verifying the information. I included a letter from the courts stating that they do not provide information to credit reporting agencies. I also submitted a letter from XXXX dated XX/XX/XXXX that prevents them from releasing my risk view report or scores. Each of the credit bureaus concluded that the public record items were obtained from local, state and federal courts through a third party vendor, XXXX,
On XXXX XXXX, XXXX, Equifax reported a Hard Credit Inquiry by XXXX on my credit report. I have not applied, authorized, or allowed any type of personal credit inquiry since XXXX of XXXX.
I switched phone companies to save money and avoid the inconsistent information I was getting from XXXX 's employees. The new phone company advised they would pay off the final amount owed for the phone ( approximately XXXX ) but when they gave me the money for the final payment they failed to tell me that they used part of the money on my new phone. Therefore, they led me to believe that I would owe nothing, when in fact I now needed {$190.00} to pay to XXXX the first phone company. This collector ( for XXXX ) has continuously placed calls to me at all hours of the day. They usually call at least twice but usually about four to five times in a day. I have already received final bills from XXXX itself ( and only switched phones a few months ago ), as well as another letter from a collector explaining its collecting a debt. But they continue to place calls all day to me despite the fact it is receiving payments and was told incorrect information by both companies from the beginning.
Received a collection notice from Credit Protection Association L.P. of XXXX Texas with no knowledge of who the bill is for or from except the name XXXX of XXXX New Mexico. This seems to be some sort of fraud.
XXXX sent an amt of XXXX to collections. Was removed by XXXX. Have been contacting XXXX ( who changed the amt to XXXX ) and the collection agency to Allied Collections.in XX/XX/XXXX.Have disputed the amt. With XXXX, Allied Collections and XXXX with no results. Allied hung up on me 2 times, XXXX gave me 3 different stories what the claim was for and I disputed 5 times with no result from XXXX  Sent to Better BusinessBureau. The dispute nos are XXXX XXXX XXXX in XXXX and the last conf no is XXXX which says pending since XXXX. When called re : XXXX told me to dispute again. System would not allow. This if rediculous. Was XXXX cust. for 14 yrs. ans switched because of poor quality in my home. There was no ETF was not in contract. What is the problem with Allied????? They are not doing anything to fix nor XXXX Will be contacting my Lawyer if not resolved shortly.
To Whom It May Concern, I sent a multiple inquiry removal letter to Equifax on XX/XX/2018 by certified mail in order to dispute information in regards to some inquiries that were being reported on my credit report. I received the response letter back XX/XX/2018 .The response I received are all the same, " Inquiries are factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA rules, FCRA 623 ( B ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from it's file. The fact that I receive a response in less than a week after my receipt of certified mail, one can assume that there was no investigation into this matter. I plan to purchase a home next year and having this many inquiries on my credit report display as sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not SIGN for anything period. This is unfair practices by credit reporting agency with no concern for the credit worthiness of a consumer.
Nationstar mortgage is charging me hundreds of dollars over the amount needed in my escrow account. I am currently in a chapter 13 and I currently have over {$2000.00} in escrow overage. I am aware that this will have to stay in the account until my chapter 13 is finished but it seems they are intentionally charging me way over the escrow amount needed and why would anyone have this amount in overage, in the past with ocwen before they sold my loan to nationstar I never had over XXXX bucks in escrow overage. after reading other complaints online apparently they do this and keep the money. This is a horrible company and they are really rude people and refuse to help with anything. I hope you can help me with this problem.
I have recently obtained a copy of my credit file and there is wrong information in my report.    XXXX   XXXX    XXXX   -  XXXX  : Unverified account  XXXX   XXXX  -  XXXX  : Unverified account  XXXX   XXXX  -  XXXX  : I have never paid late this account Beside that, my personal information is reported incorrect, please fix it
I have a charged off loan with Citizens Bank and I informed them that I wanted a true statement of what I owe to the bank. I feel as though I do not owe the amount listed. I also requested a loan forgiveness due to the fact that the vehicle was not fully operable and there was a significant likely hood that the City would tow the vehicle because it did not have tags. I made the request to donate to charity ( School XXXX ) I was told that they were only willing to initially accept 80 % of the balance. After additional conversations I was told 55 % or make an offer. I made an offer and was told that was not sufficient and when I inquired about the true amount owed I never received a straight answer. I was more or less told that the bank was willing to have a liens placed against my home from the city with the intent to still collect the said balance. I was told if I wanted to escalate this issue I had to write the Office of the Chairman. I received a response from the representative that was in the customer relations department because apparently that is the only way to file a complaint with company. This is a bit discerning because if the letter was sent to the Office of the Chairman and the Resolutions department responded, did the letter actually go to the Chairman 's Office ( if it even exists ). There is no means to reach anyone at the bank and there seems to be a lot smoke and mirrors when customers attempt to manage their accounts. The practices are not consistent and leave the customer to be concerned about it their issue is being truly addressed because the level of deception that the customer is presented with dealing with various representatives that work within the various departments. I would like them to forgive the loan as it is my understanding that once a business charges off the account the Federal government gives them a tax write off. Also companies have insurance to protect them from certain debts. My loan was paid off essentially the day that it was charged off. The bank if very well aware of this. However they still want to collect no matter the circumstances that befall the client. That appears to greed. Without the true knowledge of what is the said true amount owed.
THE XXXX XXXX XXXX HAS NOT PROPERLY ADDRESSED MY ORIGINAL COMPLAINT # XXXX TO MY STASFACTION. 
THEY INSTEAD, MAILED ME THE ENTIRE XX/XX/XXXX STATEMENTS. 
WHEN I CALL 'D THEIR RESOLUTION SPECIALIST [ XXXX XXXX ] ON XX/XX/XXXX AND XX/XX/XXXX AND LEFT A MESSAGE BOTH TIMES I NEVER GOT A RESPONSE. 
THIS PYMT ON CARD # XXXX DURING XXXX.S REMITTANCE WASNT APPLIED CORRECTELY, AS I WAS TOLD IT WOULD BE 2ND ... ..MY XXXX BILL CALCULATIONS ARENT ADDING UP I WANT XXXX 'S SUPERVISOR TO CALL ME AND CORRECT THIS ILLEGAL ACTIVITY AND NO LONGER TAKE ADVANTAGE OF THEIR CONSUMERS!!
I submitted a dispute on my credit reports for a incorrect charge off/collections account and it has still not been removed from my credit report. The creditor purposely listed incorrect debt amount and reported the account as derogatory on my credit report. They have unfairly marked the account as bad debt and sold it to another lender. They have sabotage my credit report by listing false information and have damaged my credit score as well as my ability to get credit.
There is another attempt to collect a debt that I do not owe, which has resulted in a breach of contract services and/or interruption of service since XXXX XXXX, 2016. Contracts indicate that anytime when there is an interruption in services the contract is extended by same time frame that the services are interrupted. All bills have been carefully reviewed and no additional funds are required as there has been no service rendered and the specific request are for an early termination fee that the consumer did not consent to her services being interrupted or terminated.
They have refused to supply me with the following information to validate a public record on my credit report, such as : I sent your company my dispute on multiple occasions, the last being XX/XX/2018, which you received and investigated on. I have reason to believe that you did not do a thorough investigation. Therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor ( Not a third party ) 2. The contact information for the creditor ( Not a third party ) 3. The name of the person who verified the item to you ( Not a third party ) 4. The method of communication you used to verify this information ( Not a third party ) 5. Did the creditor provide you with my SSN, address, and Date of Birth?

6. My signature and what type of documented consent that the credit furnisher has that I gave them to release my information to you.
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AMSHER COLLECTION SVC. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Equifax has mishandled my information, along with the information of 209,000 others, putting us all at risk. 

I am a potential victim according to equifaxsecurity2017.com, and would like a resolution to this matter. 

I have had to place a freeze on all of my credit accounts, which has caused much inconvenience and worry.
upon reviewing credit files notice some accounts that are not mine and I have wrote and fax in on numerous occasions to have the items removed without success. Per credit bureau request have submitted police & FTC identity theft report and they still REFUSE to remove items and update report ... they being Transunion, XXXX  and XXXX attached you will find supporting documentation. the accounts that need to be removed are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX these accounts are not mine and have landed on my reports as an result of identity theft and fraud.
NATIONSTAR OWES ME {$8000.00}, THEY OWE ME FOR LATE FEES, ATTY FEES, INSPECTION FEES, {$500.00} X 4 MONTHS = {$2000.00}. I HAVE PAID 8 MONTHS AHEAD OF MY MORTGAGE DUE TO FALSE BILLING. I WAS NEVER BEHIND ON MY MORTGAGE WITH XXXX, XXXX, NOR NATIONSTAR. 
NATIONSTAR threatened to foreclose on my home in XXXX 2015. XXXX, I paid more than {$17000.00} XXXX thru XXXX 2015, my monthly payment is {$1000.00}. They took false information from bank of am, whom I paid more than {$27000.00} in the past 4 years, never behind and payments went to their bank of am ch XXXX department FOR XXXX XXXX XXXX. MISAPPLIED FUNDS, FALSE BILLING STATEMTNS, HARRASSMENT, THREATEN FORECLOSURE NOTICES IN XXXX 2015 THROUGH XXXX 2015.
This is yet another complaint against Ocwen, XXXX XXXX XXXX XXXX and the law firm of XXXX XXXX XXXX. Because of Ocwen 's unwillingness to settle this issue and demand a refund from my XXXX. for money Ocwen illegally paid my XXXX. XXXX XXXX XXXX XXXX. from a bogus and possible illegal invoice from XXXX XXXX XXXX XXXX. - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. has foreclosed on my condo. The sale of which is to take place on XXXX XXXX, 2016. This needs to be stopped. My lawsuit against Ocwen, XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX has not even been tried yet. Again, I believe that they are all in collusion together. I also believe that XXXX & XXXX XXXX be miss reprsenting the XXXX. This has got to be stopped.