WillisBack/dataset-financial-user-claim huggingface dataset:
I was shocked when I reviewed my credit report and found several late payments on the dates below : 30 days late XX/XX/2015, XX/XX/2015
On XXXX/XXXX/2015 at XXXX while making a deposit at the US Bank XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona I was not permitted to exit the bank.. The doors were closed for seconds before I requested to exit the US Bank. My information is found on the video surveillance which proves the continued harassment made against me by the US Bank
I have a Fifth Third Bank XXXX, and paid off the entire balance on XXXX/XXXX/XXXX. My account has been overpaid by XXXX. I have called the bank at least 6 times, and each time I get a different explanation. To date the XXXX has not been received. I feel that this is unacceptable.
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 XXXX  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 XXXX 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 XXXX DO NOT DO ANYTHING AT ALL TO HELP THE CONSUMERS ALL IT TO THEM IS A MONEY MARKET
Ocwen Servicing LLC is attempting to steal my home. my name is XXXX XXXX XXXX,. They filed an assignment to XXXX BY NOMINEE on my home @ XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX using Document XXXX filed XXXX. 

I have been paying Ocwen since XXXX and Ive come to find out that they do not have a valid assignment, a right to payment, they have committed farud by unsing my personal information without authority. I have not entered into any valid agreement with OCWEN not its bank XXXX trustee for Popular XXXX or XXXX. I have since rescinded my signature.
Received one letter about results of a dispute in XX/XX/2018 and another for a review of my identification information in XX/XX/2018. This is my THIRD written  request for proof. I am getting notarized right now and cerified mailed today. In the results of their so called re-investigation letter, they stated info was verified and that these items belong to me. Yet they can't even get my name correct so how am I to know WHO they verified? They refuse to send my any proof of what they have. I've sent a copy of my Drivers License and my Social Security Card where my actual legal name is CLEARLY spelled out. Not my sister or any other names.
Midwest Recovery Systems of XXXX, Missouri has reported a medical debt owed of {$940.00} to credit bureaus. They claim that the debt originated from an emergency room visit at XXXX Hospital, XXXX, Arkansas, in XX/XX/XXXX. The collections account hit my credit report in XX/XX/XXXX. They gave the name of the doctor, XXXX XXXX XXXX, employed by XXXX XXXX XXXX XXXX XXXX, XXXX. I have contacted both XXXX Hospital and XXXX XXXX XXXX directly. Neither entity has any record of me visiting the emergency room in XX/XX/XXXX or of ever seeing that particular doctor. Both confirmed that I have XXXX outstanding balance. XXXX Hospital provided me with a signed statement on hospital letterhead confirming that the last time I was seen by the hospital was XX/XX/XXXX, and that I had no balance owed. Midwest Recovery Systems continues to claim that the burden of proof is on me to prove to them that I do n't owe this debt. I have requested written validation of the debt which they claim to have but have not provided yet. This negative hit to my credit report has caused me to lose eligibility for a student loan refinancing promotion that would have saved me {$7600.00} over seven years.
I moved from XXXX ( apartment complex ), XXXX Texas and wrote a check for the amount of {$130.00} on XX/XX/XXXX. Check # XXXX was cashed on XX/XX/XXXX. I was turned over to collections in error by the leasing company. I was not notified that I was turned over to collections until I applied for a credit card in XX/XX/XXXX and I contacted the agency and they said, yes I had collections with them. However, I was never called nor notified via mail about this debt that I did not owe. I had discussions with the collection agency that this was in error and then I called leasing company and they stated they would send the appropriate documentation. I then followed up with the collection agency in XX/XX/XXXX. Instead of deleting the account, it was closed as paid in full, but I never paid the collection agency any funds. So why would it state " paid in full ''? It was discussed in XX/XX/XXXX that the account would be removed from my credit history with the collection agency. When I applied for a car in XX/XX/XXXX, this still showed on my credit report and credit agency refuses to remove this. I have sent documents to them twice indicating that I never should have owed those funds.
My ending balance is positive and my available balance is negative, so Wells Fargo is still charging overdraft fees on the positive balance. 

If done correctly, there should be no fees, and on days when there might be one fee, they have switched things around so there are many.
I CONTACTED THE COMPANY XXXX XXXX XXXX ON XX/XX/XXXX REGARDING THE ACCOUNT INFORMATION BEING REPORTED ON MY CREDIT REPORT ALL THREE CREDIT BUREAUS HAVE SENT LETTERS SAYING THAT THE INFORMATION WAS VERIFIRED AND ACCURATE ACCORDING TO THE FCRA. I SPOKE WITH CUSTOMER SERVICE REGARDING ACCOUNT # XXXX AND WAS TOLD THAT THE ACCOUNT WAS PAID IN FULL BUT WAS CONSIDERED A CHARGE OFF BECAUSE IT WAS NOT PAID WITHIN THE AMOUNT OF TIME FOR THE CONTRACT. THIS HOWEVER IS INCORRECT INFORMATION IT REPORTS THAT THE CONTRACT STARTED ON XX/XX/XXXX. BUT IN THE CONTRACT IT IN FACT STATES THAT THE CONTRACT BEGAN ON XX/XX/XXXX. REPORTED TO THE CREDIT BUREAU IS AMOUNT OF XXXX BUT, IN SAID CONTRACT THE AMOUNT IS XXXX. THE COMPANY FAILED TO REPORT THAT THERE WAS A SWITCH IN VEHICLES AND DID NOT UPDATE THE CONTRACT TO REFLECT THE NEW VEHICLE OR THE NEW CONTRACT. ALL INFORMATION BEING REPORTED IS FOR A TOTALLY DIFFERENT VEHICLE IN WHICH I DID NOT OWN. HOW DID THE CRA NOT CATCH THIS INACCURATE REPORTING OF DETAILS? THERE WAS NOT A PROPER INVESTIGATION CONDUCTED OR IT WOULD HAVE BEEN CAUGHT.MY CR SHOWS A CHARGE OFF OF XXXX BUT THERE WAS A REFUND SENT AFTER THE END OF THE CONTRACT WITH XXXX XXXX.
On XX/XX/XXXX I used my XXXX Prepaid XXXX to rent a car from XXXX XXXX XXXX in XXXX, XXXX XXXX. On that day, a pending transaction in the amount of {$960.00} was put on my card without any warning. The car was returned the next day and payment was deducted from the same card. 

I have spoken twice with XXXX Prepaid, and they requested that documentation supporting the release of the transaction be sent to XXXXXXXXXXXX. 

XXXX has sent the requested documentation yet I received word today that the documentation was unacceptable. XXXX has said that it has done all it can and that it is now down to me to resolve this issue with PayPal/Netspend. 

I am a retired XXXX trying to live in XXXX XXXX on a fixed income. As of this morning I have a little over {$11.00} for groceries to last until I receive my next social security payment on XX/XX/XXXX. Having nearly {$1000.00} held back from me for two weeks is a nightmare.
The mailing address was changed on my credit card accounts without my requesting that my address be changed. My credit car company can not explain how this change occurred. Not only was the address change on my account, but also on the accounts of other cardholders that live with me. The credit card company can not tell me when the address was changed or by whom it was changed.
I received a collection letter from  Central Finan  cial reg arding a debt owed to  XXXX   XXXX   XXXX  on  X/X/2017   . I dispute the validity of this debt as I have met my annual deductible and should n't have any out of pocket expenses. I need further documentation verifying that this debt is valid.
on XX/XX/2018 I received several alerts that my XXXX score decreased, I checked both monitoring companies and both showed a collection company named ERC. ERC reportedly has a {$63.00} collection unknown to me, it also showed the original creditor was called XXXX XXXX XXXX which I've never done ANY business with. I called ERC to resolve this issue and I gave the lady my ss # and she said it my name XXXX?, I said no my name is XXXX that's my government name and I don't go by XXXX. The lady responded and said since I was XXXX she couldn't speak to me about the account and gave my their customer care email to contact with any documents stating otherwise. I don't have no clue who chapter XXXX XXXX XXXX is and want this resolved and removed from my credit file immediately.
I applied for a Sears store card. I got the card and I used it several times while I was in the store. I then received a call from Sears extended warranty service, and, like many others, I extended my warranty for the washer and drier paying with the Sears card over the phone. 
All is well. I got the bill and I paid it using the online banking. Next month, I received another statement that the bill was not paid. I checked the statements, and I found out that I also have a Sears Master Card for which I did not apply. I had paid the Sears store card, but the last charge was on my MC. I called customer service and complained. They said : Did n't you receive a letter to opt out? What letter, I answered. Customer service : We send letters to inform customers with Sears store cards that they are upgraded to a Sears MC. They can opt out. I do not remember receiving such correspondence. Even if one receives such thing, who would pay attention to the process of opting out to something you did not want in the first place? 
Finally, at my request, customer service canceled the MC and I kept the Sears card, the product that I wanted in the first place.
From my experience, Experian is no good credit bureau agency. They keeps changing the dates of old debts, doesn't investigate correctly. I keep disputing and nothing changes. I am requesting that XXXX  deleted XXXX XXXX XXXX account, XXXX XXXX XXXX account, XXXX XXXX XXXX account of my credit report.
I was in a hit and run accident in 2010. When I went to the hospital they admitted me with a fictitious name. XXXX medical bills were went to collection instead of to my attorney. I had my attorney contact the credit bureau and explain the delay in payment. When I saw them again I called only to be rudely addressed.
I have a reverse mortgage with Champion Mortgage. I started the reverse mortgage with XXXX XXXX and was very up front with them about me NOT living in the home, but DO live across the street. I was told 'we'llcross that bridge when we come to it. ' We NEVER came to it. NowChampion wants to foreclose due to me not living in the house. I have been talking to Champion since XX/XX/XXXX to attempt to get this corrected, and everytime I call I get some XXXX new and have to start at square XXXX. Attachedplease find a time line of my contacts the Champion. I do have a cashcontract by way of my broker for {$150000.00}, in Champion 's possessionsince XX/XX/XXXX. Today XX/XX/XXXX I called their 'short sale specialist'XXXX for the second time in XXXX days getting her voice mail asking for areturn call, but that has not happened as yet. I called XXXX XXXX of Virginia and his office contacted HUD and FTC on my behalf. 
I was granted a thirty day postponement on the foreclosure set for XX/XX/XXXX. I have, in my possession as does XXXX XXXX, XXXX appraisals, XXXX from XX/XX/XXXX for {$140000.00} and a second from XXXX for {$170000.00}. Surprisingly the house grew by XXXX square foot in the time between appraisals, without a building permit.
1. Despite confirming that I will be visiting the branch to collect the new account package, the relationship manager sent it through mail which caused significant delay in getting access to the account after it is funded. Email communication can be provided as evidence as needed2. After attempting to activate my online account through https : //www.us.hsbc.com/1/2/home/personal-banking on XXXX XXXX, no XXXX password was received as of XXXX XXXX despite the XXXX hours delivery Service Level commitment which is likely due to system fault as discussed with various HSBC staff3 . Relationship manager sent highly sensitive Personally Identifiable customer confidential info ( name, account number, address, Social Security Number ) through an unencrypted zip file attached to an email in violation of HSBC information security policy and industry best practices / regulations ( e.g. XXXX ), putting customer security and privacy at significant risk. Such information was never requested by me and Email communication can be provided as evidence as needed4. During customer support call on XXXX XXXX, customer service staff provided falsified information regarding the password delivery time by stating it will be delivered to my mobile device within XXXX minutes ( where it should be XXXX hours ) with the sole intention of ending the support call without resolution5. During the second support call on XXXX XXXX, customer service supervisor confirmed a call back from a US-based support staff with knowledge of my case and resolution at XXXX EST on XXXX XXXX. However, no attempt was made to contact me until I initiated contact with HSBC later that day. The supervisor also provided a non-existent / falsified customer service case number with the intention of ending the support call without resolution. All subsequent HSBC staff that I contacted has no knowledge of the nature of the incident / complaint demonstrating significant communication issue between onshore and offshore ( XXXX ) support teams6. As of XXXX EST XXXX XXXX ( 7 days after account creation ), the bank has not offered any means to access the account placing customer funds at risk
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
ON XX/XX/XXXX I CALLED DISCOVER, BECAUSE I FOUND A CHARGE MANY YEARS AGO THAT I DID NOT DO, AND WAS INFORMED BY A GOOD FRIEND THAT I COULD REPORT IT AS FRAUD WHICH I WAS NOT AWARE OF, BUT I CALLED THEM AND LET THEM KNOW THAT I DID NOT DO A CHARGE ONXX/XX/XXXX BY   XXXX FOR {$9300.00}. THEY TOOK MY FRAUD COMPLAINT. THEN ON THE XXXX I GOT AN EMAIL STATING THAT I WOULD BE GETTING THE CREDIT. THEN ON MY XXXX STATEMENT I GOT THE CREDIT. THEN A FEW WEEKS LATER AFTER REQUESTING A CHECK FOR THE MONEY WHICH THEY SAID ID GET IN 7-10 DAYS WELL ON THE 10TH DAY THEY CLAIMED THAT I WOULD NOT BE GETTING THE CREDIT. WHEN I CALLED THE WOMAN WAS VERY NASTY SAYING THAT I MADE PAYMENTS WHICH I DID BUT ONLY SO I WOULDNT HAVE A BAD CREDIT SCORE! THEY SAID THEY WOULD PUT IT BACK THRU, AND THEN NEVER HEARD FROM THEM AGAIN! THEN TODAY I CALLED AND SPOKE TO XXXX WHO ONCE AGAIN WAS RUDE SAYING THAT I MADE PAYMENTS AND HOW IN THIS DAY AND AGE WOULD I NOT KNOW I COULD FILE FRAUD. I EXPLAINED THAT I AM AN ELDERLY MAN WHO DOESNT REALLY UNDERSTAND HOW IT ALL WORKS SHE THEN SAID SHE WOULD PUT IT BACK THRU I JUST WANT MY MONEY
During the month of XXXX, I canceled my subscription to credit monitoring with Transunion, which was {$20.00} per month. In retaliation, Transunion reduced my credit score by 89 points, from XXXX on XX/XX/2018 to XXXX on XX/XX/2018. During this time, I had no inquiries or new accounts opened, the credit use percentage on my credit cards only fluctuated about 2 points, between 22 % and 24 %, and I actually paid down about {$40000.00} in long term debt. I contacted Transunion to discuss why they reduced my credit score by 89 points in 1 month, and they refused to talk with me. I contacted the dispute department, and they refused to file any dispute for me. Both departments I spoke with only gave me the option to reinstate the {$20.00} per month credit monitoring service, and only after paying for the service would they be willing to help me. This is blatant extortion and fraud on the part of Transunion, and clearly a violation of the FCRA.
I called and wrote multiple letters XXXX to dispute some the inquiries on my credit report that were not made by me however I have not heard back from them. I need CFBP to help me resolve these matter.
My name is XXXX XXXX XXXX. I am having issues with inaccurate addresses on my credit file. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX Please delete remove these incorrect numbers below. 
The following numbers are not mine XXXX, XXXX
I 'm receiving multiple calls from an Debt collector claiming to be from Cooper, Hoffman, and Kline - XXXX XXXX. They have called me several times at my job with numerous threats to prosecute me due to fraud. When I called them back to verify their company name, address, etc. they were extremely rude and short. They are calling my cell phone, employer, and family members. Although I 've included this extension, they are calling me from multiple extension and different phone numbers
This complaint is in regards to Paid in Full ( PIF Inc. ), and XXXX XXXX XXXX XXXX XXXX . For unknowingly any legally putting a hard hit on my credit report, and inaccurately reporting something that I have absolutely no personal financial obligation for! This was clearly something I was signing as my job description called for, for a company that I was simply working for. The two mentioned above had absolutely no right to obtain my ss # and run my credit for any reason whatsoever. This is now on my personal credit report and being a personal debt, which is absolutely incorrect, and once again, they had no right whatsoever to do so in the first place! This has damage my credit and hindered my ability to obtain new financing. And also for the record, the contractor that these two represent, never finish the work completely and wanted payment in full! Who do that???? Unfortunately, work was never completed and payment was never made and now this is gone to litigation. Both parties have an attorney.
My student loans were NEVER late, and yet they are showing up as late on my credit report. I finished college in XX/XX/2012 and within the six months after my completion date my loans were sold from Sallie Mae to the DOE. Ive contact Sallie Mae several times about their reporting error and they 've assured me on each of those occasions that the reporting error will be adjusted according and yet, here we are 7 years later and its still showing up and ( 9 ) payments late on my credit report on XXXX different Sallie Mae accounts. I need this information corrected and since Sallie Mae continues to string me along Ive decided to file a formal complaint with CFPB.
I have been calling GreenTree/DiTech literally for years, regarding having my mortgage, which has never even been late, released from bankruptcy. My co-borrower is the bankrupt party. I was told months ago that my account was approved for release, but the then representative, XXXX XXXX # XXXX, who is now the " supervisor '' never ever returns my calls or does her job in having this account released. When I called requesting to speak to XXXX 's supervisor, I was told that I can only be transferred to XXXX working on my file or to XXXX, the inept supervisor. So I am filing this claim in the hopes that someone at DiTech will actually do their job.
I did not know there was a balance after the disputed item were credited back to the account. And even if that was the case, why was n't the due balance automatically debited from the checking account like it has been done for the past 6 years, which I was NEVER being late. I made a payment via mail for XXXX on XXXX/XXXX/2016. I have not access to the account anymore because it was blocked by the bank, which made it impossible to make a payment. 

I would have not put myself through all this XXXX for {$38.00}, and this headache. The company still have not addressed the following issues, It MUST be addressed by next week or it will result in additional complaints filed with the FTC, CFPB, XXXX XXXX, and the NYS XXXX. 

First, the company must remove the late payments as the outstanding balance should have been deduct via automatic payment as it has always been done for the last 6 years. I am not paying {$80.00} in late fees for {$38.00}, that is pure abuse. 

Second and most importantly, The inaccurate information reported to the credit reporting bureaus in regards to the late payments, and closure of the account, MUST be retracted, deleted and removed. 

Failure to comply with my demands will result in additional complaints to be filed with the FTC, XXXX, XXXX ( local and national ), and the NYS XXXX. 

Thank you for your attention to this matter and I very much appreciate any help you can give me.
The initial bill was for a legitimate medical fee. XXXX and XXXX XXXX could not agree on which insurer was responsible. Time elapsed. Finally paid the bill but check was returned to my bank. Subsequently have received multiple letters from a collection agency even though I paid the bill on XXXX XXXX, 2017.
My Husband had an outstanding medical bill with the XXXX of XXXX we do not share insurance. the first bill that was sent it only had my husbands name on it. The second bill that came was addressed to my Husband and I. When I asked why the collection agency ( XXXX ) Professional Account Services Inc. said that because PA is a spousal state I am responsible for this bill as well as my Husband.
XXXX XXXX XXXX reported to all three credit bureaus ( Equifax, XXXX and XXXX ) that my credit card account was close which resulted in my credit score dropping. I use XXXX to monitor my credit and get alerts. XXXX XXXX reported this incorrect information to XXXX on XXXX, Equifax on XXXX and XXXX on XXXX
I HAD FRAUD ON my credit card they refused to credit my charges even though i filed a police report and i was in XXXX when this fraud happened so i filed a complaint with the cfpd and when i filed the complaint they closed my account according to XXXX at the XXXX XXXX branch, he told me XXXX some lady closed my account because i filed a complaint, im pretty sure this is illegal and its retaliation for me coming to you guys to file my complaint.