WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Sir/Madam : I would like to request you to do an investigation against the XXXX   Company, XXXX. XXXX XXXX XXXX, TX, XXXX, XXXX, which has constantly reported my credit score inaccurately, and not paid any due attention to my requests. I had to lose my credit due to its improper and inaccurate reporting of my credit score to  XXXX XXXX on XXXX. For example, when I applied for a personal loan to the XXXX XXXX, my loan was denied citing the low credit score XXXX reported by the XXXX   Company, when my actual score was XXXX as reported by XXXX XXXX ( see the enclosed credit report of the XXXX XXXX ). Likewise, it reported the even lower score for the XXXX, XXXX XXXX, and others. The company has also failed to correct the inappropriate reporting when I filed a series of disputes against XXXX XXXX Company and XXXX XXXX, which have denied my requests for the disputes. For example, when I disputed with XXXX XXXX Company for the reported amount in XXXX ( XX/XX/XXXX ), they denied my dispute. However, the same company later acknowledged in XXXX XXXX XX/XX/XXXX XXXX that there were some undue fees charged to my account ( see the enclosed from XXXX XXXX Company ). 

Thank you, Sincelry, XXXX XXXX XXXX
On several occasions I have attempted to resolve a usury problem with Lowe's/ XXXX XXXX credit card. The APR on the card is 26.99 % which is preventing me from paying down the principle. It is apparent that this 26.99 % APR is usury at it's best or worst.
My Mortgage lender, OCWEN, has escalated my monthly mortgage/ESCROW payment from {$2.00}, XXXX to {$2700.00} ( a {$300.00} a month or {$3600.00} per year increase ). In addition, OCWEN has charged my bank account, XXXX, the increased amount without my authorization. ( Please note : Nothing has changed with my loan..I have been paying the same amount for XXXX months until OCWEN drastically increased my monthly payment ). 
I have called OCWEN repeatedly ( each time is an average of a 1-hour wait time ). Each time the representative indicated they could not provide an explanation over the phone ... they will need to do " research '' and they will call me back within XXXX time!. In XXXX, I finally got a hold of an OCWEN rep who indicated that " OCWEN has the right to increase my ESCROW payment if they felt it was too low '' without authorization from me. I did not agree with this explanation and indicated that I will not pay any extra amount until I get a satisfactory explanation. As of XXXX XXXX, OCWEN automatically charged my account the extra {$300.00}! There was no statement or anything that indicated they were going to charge my account this amount and certainly no written explanation. I spent another 2 hours on XXXX XXXX with an OCWEN " escalation representative '' who also could not provide an explanation over the phone. She attempted to indicate that it was my insurance that increased -- this is completely incorrect. She also said she would call in XXXX hours and I still have not heard from her. 
In addition, I called my back XXXX to indicate that my account was illegally charged by OCWEN and will be filing a formal complaint with XXXX as well. 
OCWEN is known to be corrupt and has several lawsuits against it. I did not choose this mortgage company, my loan was sold to this company -- certainly not a choice I would ever make on my own. I feel I should not be forced to do business with a corrupt company who is " KNOWN '' to implement illegal and unethical practices. 
I am writing to request assistance in stopping OCWEN from getting away without arbitrarily exacting unexplainable monthly increases and then charging my bank account for this charge.
It took us over a year ( XX/XX/XXXX thru XX/XX/XXXX ) and getting an advocate to get our income based repayment started. We reapplied every month but they insisted they never got it or there was some error ( it varied ) and reported us as late EVERY time even though our income based repayment amount was previously and is currently {$0.00} a month. We applied way in advance because I have been diagnosed with XXXX XXXX XXXX XXXX and every year they lose our application and play other games for months before finally giving in and setting it up based on our income. 

After getting the income based repayment reinstated with an advocate they once again reported us as delinquent for not paying {$0.00} a month for the previous year and refused to remove the derogatory information which dropped my credit score almost 200 points from 700+ to XXXX. 

They said because they constantly called us ( they did AND called my XXXX son without anyone 's permission ), emailed us ( they did ) and mailed us ( they did ) since we NEVER responded ( we did resubmit monthly and called constantly ) that they could n't in good faith restore our credit report.

Every year I file with Navient for an income based repayment it takes several months of them saying they did n't get the application, something was missing, some other excuse
I received a notice that an item was placed on my credit report by Valley Credit Services.
I am working with the hospital to solve this complaint and I do not give Valley Credit Services permission to access my medical records as this is a violation HIPAA Laws.
I am also filing a complaint against   XXXX   XXXX   and Valley Credit Services. My insurance should have paid everything.
Wells Fargo Bank has refused to reimburse me for monies that were stolen via the ATM using my savings account and presumably a pin. At no time did I authorize anyone to continuously use a debit card to withdraw money from my savings account nor was pin written down or given to anyone. This fraud was done sometimes 2-3 times a day on different debit cards. Since the fraud also happened on my checking account with illegal purchases, after reporting the fraud on my checking account to Wells Fargo and since these were for purchases, Well Fargo reimbursed me. So I would keep getting new debit cards. Since I never used my debit card to withdraw money from my savings account, I did not notice that fraud was also be used against my savings account slowly draining my account. I understand Wells Fargo policy of how many days I had to notify, etc. and although there was over {$2600.00} worth of money that was taken against my account, I was not expecting the entire amount. However, Wells Fargo still insisted that these were done by me or someone I knew and have refused to reimburse my account. Thus, over {$2000.00} of my money has been stolen and Wells Fargo ( because they ca n't prove otherwise and presumably their fraud insurance does n't cover this ), had just shut down my account leaving me to find a new bank. This all took place in 2016.
I am requesting my free annual credit report and it only let me access my XXXX report. It would not pull up or let me access my reports from either Experian or XXXX.
I have XXXX public records listed on me credit report with Equifax. I have requested that information be verified that it belongs to me. After multiple reply from Equifax indicating that they have verified the information. Which turns out to be not correct at all. I contacted the courts that reported the information. The information is not correct as well as I was told by court that it is against there policy to verify any accounts by phone or mail. The only way to verify account is go to court records in person. Equifax has not done this and should not be reporting the information because I have asked for proof of ownership. and required by law they need to provide. They have not verified the information in any way. No rep of equifax has been to courts. This should be removed from my credit file ASAP. They are breaking the law and things need to change.
In XXXX we submitted an application to switch my wife 's student loan repayment plan from XXXX to REPAYE. The application has still not been completed and we are being asked to pay an amount that makes no sense. I understand one month requires a {$5.00} forbearance amount, which we did for XXXX 2016, but now they want another {$5.00} payment for XX/XX/XXXX which will not count toward our 120 payments for Public Service loan forgiveness program. We get excuses like " it is being processed '' & " we have put in for it to be expedited '' but it should not take this long to get done. 
In XX/XX/XXXX I filled out the required annual income verification to remain on a reduced payment due to income and a request to switch from XXXX to REPAYE, and they rejected my application and have placed me in the the Standard 10 year Payment plan which tripled my month payment due. They claimed I did n't sign my application, but it 's an electronic application that you ca n't submit without a " digital signature '', when I called FedLoan they blame the system and say they ca n't access the application to " see it '' to verify the application was submitted correctly. This is ridiculous. They blame the system, and blame " processing ''.
Received several calls from Northland Group at XXXX ( I had to look them up on line ) as well as calls with no caller id asking when I would be at home to serve me papers. They will not disclose who they are or what debt I owe. I do not owe any debts and they say I do.
I am a victim of identity thief..I have a police report to support my claim..there are inquiries on my report that are a result of identity thief..they are the following.. XXXX XXXX XX/XX/XXXX..XXXX XX/XX/XXXX..XXXX  XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX  XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XX/XX/XXXX.. XXXX XX/XX/XXXX.. XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX  XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX.. XXXX XX/XX/XXXX.. XXXX XX/XX/XXXX..XXXX  XX/XX/XXXX.. XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX.. XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX.
I've had tried to contact Direct Management Inc., on numerous occasions concerning ( 2 ) debts in which I have no knowledge. I have requested debt validation and/or contract agreements between Direct Management Inc. and myself, but they have failed to provide them. One one occasion an account was removed from credit file and now has re appeared. They have illegally scared my credit and violated my rights under the HIPPA Privacy Act. Please help me to resolve this matter promptly. Direct Management Inc. is running and illegal service under HIPPA 's guidelines.
On XX/XX/XXXX, I received a phone call from Western Finance of XXXX, Georgia, at XXXX. I told the representative that payment would not be made today, however, payment would be made on XX/XX/XXXX. The representative, XXXX, immediately hung up. Approximately two minutes later, XXXX called. She told me that it is my responsibility to pay my bills. After repeatedly asking if I could make the payment, and refusing to allow me to speak with the office manager, she too, hung up on me. I have done business with this company and never been responsible for a late payment. Due to medical reasons, which are documented, I needed to delay payment by 8 business days. I was talked to as though I am less than human, called repeatedly, and hung up on. These practices are unprofessional, as well as predatory. I would not recommend doing business with this company in the future.
Hello, I have attached an Excel sheet of my credit report with a color code, the yellows are inquires are made but not by me or even my permission, I suspect an identity theft. it seam to me that somebody want to issue a credit card under my name or buy some thing under my name or they might sent these bills to the old address which i moved since thtee years and I undated my new address by phone or online. 
The red coded color:1- XXXX , they never sent me a bill, statement or email to notify me that i owe them money, they reported me without contacting me, However, I went online to check if I owe them and paid my bills. 
2 XXXX company they were sending there statement to the wrong account I called them and inform them that you are trying to draw the payment from the closed account please change the account to another one and I gave them the account number, they never bother to contact me when the first payment came back to fix the issue, but they ran fast to hit my credit. I am current with them. 
3- XXXX XXXX XXXX they never contacted me or emailed me, but because I knew I bought something from them and longed online and paid my bill, three months after I paid my bill they called me and told me that you have a balance of late charges which i am not aware of, I tried to explain what happened, but they insist that I have to pay these late fees which accrued because of their fault. 
4- XXXX XXXX XXXX : I filled the application in the store and filled my correct address, but I do n't know how they were sending my bill to the old address, they called me and discussed the issue and solved and I paid the the amount due at the same time. 
I do n't know why they reported me as a delinquent5- the new employment - XXXX XXXX , who I work for them, I contacted them and asked them, they told me we never ran your credit report and we do n't have the right to do without your permission .. 
please help me out to take all the highlighted items with yellow and red to improve my score. 
your help is much appreciatedXXXX XXXXPhone : XXXX
I complaint to Capital one about their practices in XXXX2015 and at that time told them to close my account and to send me a final bill. They sent me a email detailing the amount due in XXXX2015, but did not close the account despite several back and forth online chats to do so. But they did, following these chats send the email of the total they said was due at the time but did not close the account. So now they have been sending me email telling me they are going to charge off my account as it is 6 months overdue. And from my last filed complaint on here, they refused to send me a paper or email account of what when on, so all their correspondence is one sided basically except for email and the billing notices.. People stay away from this bank worse company I have ever dealt with. could not attach in XXXX step so placing document here. The email sent when I requested they send balance. it is almost XXXX dollars now. 

Capital One Add to contacts XXXX/XXXX/15 To : XXXXXXXXXXXX Account ending in XXXX XXXX, As requested, we 're notifying you that as of XXXX XXXX, 2015, your Capital One XXXX From : Capital One XXXX You moved this message to its current location. 
Sent : XXXX XXXX/XXXX/15 XXXX XXXX To : XXXXXXXXXXXX Check your account balance today. 








Your balance has reached {$330.00}. 




RE : Account ending in XXXX XXXX, As requested, we 're notifying you that as of XXXX XXXX, 2015, your Capital One XXXX account balance is {$330.00}. This balance does not reflect pending transactions. 

Please visit Online Banking to view transaction details.
RMB Inc have still not removed the collection from my credit file, which was placed which I was filing for state assistance.  I have contacted XXXX XXXX, they did not tell them to place this account on collection to credit reports! They asked them to hold the account!
Please be advised that my statement is not necessarily a complaint but more of a request. Three years ago I went through a number of serious financial setbacks, including a medical condition. Several of my accounts went into default. However, I still desire to see if I can settle each one of them. I do not desire to file for bankruptcy at this time, but I realize that is still an option. Therefore, I am respectfully requesting settlement offers to be mail to me within the next few weeks, and I will do my best to borrow funds from family members to satisfy each settlement as they come in.
Convergent has requested a bill for XXXX however I have not been able to verify that this debt collection is anything I owe for.
The statute of limitation on debt in Florida has expired for a XXXX 's account being reported by Experian and XXXX, it is violating the Fair Credit Consumer Act that is negatively affecting my livelihood and credit. XXXX 's account has expired and I have attempted to have Experian to remove this account as they did with the company to which XXXX 's sold my account to ; XXXX XXXX XXXX. I am entitled to sue for any and all violations against the Fair Credit Consumer Act.
My personal information was " likely '' hacked and stolen while stored by credit reporting company Equifax. I say " likely '' because that is the canned response given to me by Equifax that apparently every person who inquired about whether their information was stolen also received. Not only am I appalled that a credit reporting company stored my personal data in a manner that permitted such a wide-scale hack, but Equifax 's response has been horrid and indicates a total failure to address the core security infrastructure that enabled this hack to occur. Namely : XXXX The company can not tell me or other consumers whether our data has been breached. Thus Equifax has admitted its total lack of knowledge as to whether the company has inappropriately used or released my personal data to third parties. And this lack of certainty prevents me from adequately monitoring and protecting my own credit - a task at which Equifax has utterly failed. 
XXXX The company has established a cumbersome two-step process to file for credit monitoring services, which is time-consuming and appears designed to winnow out customers entitled to assurances that their data is secure. Further, that site 's security certificate was recognized as compromised by my browser, which means that the company still has not taken requisite steps to ensure encrypted communications in the wake of a giant data breach. 
XXXX The company is assigning PINs that accompany credit freezing requests that are not randomly generated, thus compounding the security risks in the existing hack. Based on evidence that these PINs simply provide another easily hackable path to my personal data, I have not sought such protection - protection to which I believe I am entitled as a consumer whose data has been breached - out of concern that doing so actually deepens my ID theft risk. 

In short, Equifax 's business model relies on one thing : keeping data secure. It is clear that its policies have not placed consumer privacy at the forefront of their business model, and that failure has led to the exposure of my and millions of other American 's personal data. Furthermore, their inadequate and technologically-compromised response to the hack demonstrates a continued lack of responsibility for the security failures that led to the hack, and a lack of commitment to protecting consumers ' financial privacy.
My name is XXXX XXXX XXXX, I am an XXXX  who represents the XXXX Family. I am filing this complaint on behalf of XXXX XXXX and her son, XXXX XXXX. In XX/XX/XXXX XXXX XXXX was XXXX. He is unable to pay his bills make phone calls, etc. He gave his mother, XXXX XXXX XXXX his authorization to pay bills and to give and receive information so she can conduct business on his behalf. XXXX XXXX has asked for my help in resolving this matter. In XX/XX/XXXX we mailed a check in the amount of {$4600.00} to Ocwen Loan Serving along with signed authorization. We used the US Post Office to send the check and authorization and paid for tracking. According to the tracking verification,  Ocwen received on XX/XX/XXXX. At demand of Ocwen we also faxed the authorization on XX/XX/XXXX and XX/XX/XXXX, which they claim they did not get. We verified the fax XXXX. As you will see, the second fax number they gave us does not work. When my office could not get the fax to go through the second number, we asked the office next door to fax for us, it would not go through for them either. We want to know where the check is. Why they haven't applied the check to loan.
I was a cosigner on this loan only ... since it was repoed it shows on my report as if it was my loan.. I also disputed this account recently and now it is showing an opening date in 2017 when all actuality this account was opened years ago and has been charged off. This is causing my credit score to be  lowered because it looks like a recent collection on an account that I just opened
I opened an account with Bank of America shortly after my XXXX birthday in 2012. A check was given to me and was deposited into my checking account. Days later I realized that my account was overdrawn due to the check being returned. I immediately paid the fee and covered the deposit with my account. A week later I received a letter from bank of America informing me that my account was being closed due to fraud. I never committed an act of fraud. Bank of America has reported me to credit and consumer bureaus for fraud. This has resulted in adverse harmful action against me from the financial world. I CAN NOT open a account with any financial institution. I have tried to resolve the issue with bank of America for the past XXXX years unsuccessfully. I attempted to resolve the issue with XXXX and XXXX directly but they report that Bank of America is standing by the fraud claim with no evidence to substantiate the claim.
I am filling this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( a ) of the FCRA -they are required to " ... Promptly delete all information which can not be verified. '' that i have disputed. 
Please resolve this manner as soon as possible. 
Thank you.
I received a money order from a tenant and misplaced it for over one year, but it was not three years old. It was purchased through Money Gram Money orders. Money Gram claims that it is no longer any good and needs to be reissued for a large fee. I understand that a money order in the state of Texas is not abandoned unless it three years old from the date of purchase under the Texas Property Code, Chapter 72 Sub chapter B page 4. It appears that Money order companies makes the own rules and regulation that does not coincide with state and federal laws to rip off consumers because of misfortune of an accident. 

I called Money Gram and they want a large fee to replace it. A fee had already been paid to purchase it so why would they not honor their check. Money Gram States on the back of their check, Not good after one year from date of purchase. There will be a non refundable service charge will be deducted from the face value of the check to be assessed where not prohibited by law. 

I called XXXX XXXX who the check was drawn on. They could not help. I called the Federal Trade Commission and they directed this matter to this office.
I have sent transunion proof of my name change and they have not changed it in their records. My name is XXXX XXXX XXXX and they still have me as XXXX XXXX. The XXXX purchased what I thought was supposed to be a membership for {$21.00} and instead they claim I only purchased a 1 time credit report and score when the membership is only XXXX per month. So after buying this one time credit report and score and seeing my name is not correct, I called them and told them my name was different as I have several times before. The representative did not help me with changing my name so I asked him why my credit score changed and he gave me several invalid reasons that did not pertain to anything on my credit history or with my credit situation. My credit score went from a XXXX last month to a XXXX this month with changes to my report or loan payments and no explanation. Transunion representative behave as though they do not care about the consumer and make decisions towards consumers without reason and it affects them negatively. I 'm not understanding how a company that consist of what seems like all foreign people are allowed to make decisions about consumers in a different country.
Have not been able to access my funds for 13 days. I call the XXXX number and they continue to hang up on me.