WillisBack/dataset-financial-user-claim huggingface dataset:
I receive a monthly credit score report furnished by XXXX. I noticed that my credit score dropped from XXXX ( XX/XX/XXXX/XX/XX/XXXX ) to XXXX XXXX XX/XX/XXXX/XX/XX/XXXX ) on my most recent statement. I have no outstanding debt outside of my student loans and all of my bills are paid on time. I obtained my equifax credit report on XX/XX/XXXX and there was nothing outstanding, but there was a collection reported. The company CBE Group had a collection for {$49.00}. The report did not provide anything other than the date assigned ( XX/XX/XXXX ), the date of first delinquency ( XX/XX/XXXX ), date reported ( XX/XX/XXXX ) the last XXXX digits of an account number, and a creditor classification : retail. I have lived at the same address and have had the same phone number for 6 years. I NEVER received any type of communication from CBE. I 've NEVER received any communication of any sort saying my account was going into collections. There were no outstanding accounts on my credit report. I have tried repeatedly to contact CBE Group by phone and through their website ( I ca n't write to them because they did n't include a mailing address on the report and I never received a letter ) and I have n't been able to get to anyone. I try to call the phone number on the website XXXX, I can get through the first prompt and then the second prompt disconnects the call. This is EXTREMELY frustrating. The first thing I need is to know who the creditor is and I ca n't even get that. This mistake is causing a negative impact on my credit and I ca n't even get information on who I did n't pay. Just an aside, when I tried to look up CBE I noticed a number of pending lawsuits for fraudulent reporting. Please tell me what to do.
Every attempt has been made to have XXXX accounts removed from credit files. I have been informed that creditors has no say so in where accounts are reported. In the remarks block TRANSUNION continues to comment about bankruptcy, stating " Bankruptcy dismissed '' I met with my Bankruptcy Attorney and informed him that filing for Chapter XXXX Bankruptcy would not be in my best interest. I voluntarily requested Chapter XXXX Bankruptcy be dismissed. The Bankruptcy Courts of West Virginia honored my request and dismissed this Chapter XXXX Bankruptcy prior to any conclusions. There were no lists of creditors, no amounts reported, or frequency of income provided. The Bankruptcy Courts labeled this file as void ( without any contents, empty ) .This Dismissed Chapter XXXX Bankruptcy has been remove from TRANSUNION credit files, but continues to comment on bankruptcy on XXXX accounts. Data that has been reported by TRANSUNION does not warrant accounts being reported as adverse accounts. The other credit reporting agencies shows XXXX as accounts in good standings.
On XX/XX/XXXX, ABILITY RECOVERY SERVICES , LLC, with a mailing location of, XXXX XXXX XXXX XXXX, PA XXXX claimed I have a debt with them in the amount of {$710.00} for computer schooling. I sent a certified letter to them requesting the debt be validated. 
That certified mailing came back as deliverable. I disputed the debt with 3 credit reporting agencies and 2 removed the alleged debt as not validated. 
In XX/XX/XXXX, I applied for a loan and the loan officer questioned me about the debt. She called the alleged debt collector and put them on speaker phone. Many questions were asked of them and they had a lot of bad information on me including spelling of my name and and wrong address. 
The alleged collector was argent, ignorant and out right verbally abusing calling me a deadbeat. 
I have no knowledge of this as already know how to fix XXXX and have been working with XXXX since XXXX when was XXXX them in high school.
This company XXXX XXXX XXXX has sold to XXXX XXXX XXXX XXXX a debt collector a disputed rental account ( Due to unsanitary conditions and no air conditioning repair in 10 days in 98 degree weather and the fact the apts were rented out to drug addicts rehab, with the police there every day and night, property manager was never truthful about repairs, stated XXXX would not provide the money ) and has added themselves to my Credit bureau accounts as a creditor and has set up payment schedules showing me past due on or around XXXX/XXXX/2012 in the amount of {$1200.00}. I have never done business with Fair Collections and have not agreed to any payment schedule with them. What they have done is violate federal law regarding setting up fictional accounts as a debt collector just to collect a debt, without the consumers knowledge and approval. I complained to the Credit bureau, but they claimed that the debt collector responded that the debt was legally owed to them, which is a lie. There has not been any adjudication of this matter by any court and the XXXX XXXX and XXXX XXXX have conspired to try to make me pay them through the fictional account they have attached to my credit report.
Received a robo-call fr om (   XXXX   )   XXXX  with a partial message threatening legal action if I did n't return the call. I was connected to a man, told him I had no idea why I was being called and he looked up the phone number. He said it was a call to collect an outstanding debt. I told him he had contacted a place of business, that we do n't allow such calls for employees and to cease the calls. He said the calls would continue and truncated the call. I search the number and found :  XXXX   XXXX   XXXX . They have other numbers that were tied to a  XXXX   XXXX   XXXX . We 've also received calls from  XXXX . The employees are nasty and confrontational.
I was approved for Public Service Loan Forgiveness and my loans were transferred to " FedLoan ''. I am aware that this company has a history of problematic customer service, inaccuracies, and untimely handling of basic essential functions. Of course, there is no alternative servicer under PSLF so I am stuck with them. They have already delayed my first payment back a month ( originally scheduled for XXXX, but moved back to XXXX XXXX. I signed up for Direct Debit payments. I have multiple emails from FedLoan confirming my enrollment and scheduled XXXX payment. Despite this, they failed to take my XXXX payment and now have my account listed as delinquent. Unless they correct this error FedLoan will be directly responsible for stealing XXXX months of - what should have been- qualified payments under PSLF from me. This is unacceptable.
Our mortgage service company, OCWEN, failed to comply with MD XXXX XXXX for timely disbursement of our surplus escrow balance within 60 days from receipt our request and OCWEN 's agreement to discontinue monthly escrow collection by OCWEN for annual payment of our property taxes and insurance. OCWEN initiated internal disbursement procedures in XXXX of 2015, but has no explanation why the disbursement was never completed and continued to hold and draw interest on more than {$4000.00} in our escrow without any action until we complained and demanded disbursement on XXXX/XXXX/2015 and XXXX/XXXX/2015.
We just paid {$100000.00} to a {$290000.00} loan modification. 
{$49000.00} field adjustment was the amount paid to XXXX and {$32000.00} was the amount we paid to midland. I guess they gave us partial credit for the {$55000.00} we paid to XXXX XXXX XXXX. 
XXXX collected the money paid to commerce bank and XXXX. 
This means that NONE of the {$670000.00} I have paid to my house has been applied to principal. Which means I have paid {$640000.00} to interest. Which again I will point out is OVER 18 % interest on a 15 year loan disclosed at 4.34 %. 
When are they going to release this lien that XXXX bought for {$90000.00} XXXX reported {$80000.00} extinguished but it was never removed from the balance. We were not given credit for the {$5000.00} HAMP incentives. We did not get credit for the {$17000.00} paid from XXXX other properties. We paid it again.
I summit a request loan forgiveness a couple of years back in XX/XX/XXXX to the U.S Department when I found out Everest University who was part of XXXX XXXX went bankrupt and close their schools. I received a email from U.S Department of Education back in XX/XX/XXXX that my loans forgiveness was approve under repayment rule 34 C.F.R S685.26 ( c ) and that it would be complete within the next 60-120 days and my servicer Navient will sent me more detail about the forgiveness including which loans have been forgiven. I waited pass and 120 days and I never received any information from my servicer provider Navient.. I called Navient to see the status of my loan forgiveness customer services transfer me a few time to a person that could answer my questions. Customer services told me they received the same email back in XX/XX/XXXX and said they are still waiting on US. Department of Education completed the process even thou the email stated 120 days past and also they stated even it can take over year once its approve for loan forgiveness. They also stated that my loans are in deferment without interest because when I file for the loan forgiveness with the US.Department of Education I had my loans put in deferment with US. Department of Education they had it set up were no interest would be added until a deccision has been made. I have been receiving quarterly statement from Navient and each statements showing increase on the interest itself this has been going on for the last two years while loans have been in derferment.. I called Navient to get this corrected and all I get is the run around with Navient customer services and one time they hang up on me before I get answer on why
On XX/XX/2018 at XXXX XXXX, a representative called me from a blocked number without giving their name, nor verifying my identity before they began to discuss and disclose my personal information. The person only stated that they were calling in regard to my XXXX 's XXXX Account. During this call, the representative became abusive with her tone and language. The representative stated that I need to pay my bill regardless of my situation because my hardship program was over, and that it wont be my situation forever. She went on to say that if I do not pay something that I am stealing because I already have the merchandise. I repeatedly told the representative that my hardship has not ended, and I am seeking additional help, otherwise I can not make the regular payments. The representative continued to degrade me asking " well what is it you have been doing this past year? '' She continued in a back and forth engagement with me for seven minutes before I became completely upset with the harassment and hung up. 

I then called XXXX XXXX 's XXXX at ( XXXX ) XXXX-XXXX on XX/XX/2018 at XXXX XXXX to file a complaint. I asked for the name of the representative and I requested to speak to a manager. I was told that they could not locate the name of the person who had called me, but that they would leave a message for the manager of the representative to call me back. It is now XX/XX/2018 and have not heard back from a manger. After two weeks have gone by since the incident I realized that I was not going to receive a call back. Since then, I have not answered any calls from unrecognized, unknown or blocked numbers in fear of being targeted, called a thief, and harassed again.
XX/XX/XXXX- requested a payment due date change. Never responded to my request.XX/XX/XXXX- Told me I had to go 30 days late before they would assist me with payments. Called 1 day after due date and was told that was not policy and they would have helped before then. I requested the late payment be removed from credit report and they said they would have manager call. Toyota called 1 time and I called back. No one returned my call. I attempted 5 more times with no one helping or returning my calls. Was told they could listen to the original recorded call and correct my report if that was said. Will not call me back.XX/XX/XXXX requested statements from XX/XX/XXXX and XX/XX/XXXX. I believe the due date was incorrect 1 month. Ignored my request.

XX/XX/XXXX attempted to make a payment at XXXX on XX/XX/XXXX for a loan thats due XX/XX/XXXX. Website now says will not accept weekend payments. I have made many prior weekend payments without issues. System changed my date to XX/XX/XXXX and now will be late. No noticed was ever given they no longer accepted weekend payments.

XX/XX/XXXX- found my husbands ex-wifes parents phone number on my account. I googled the number and they came up. They are obviously calling people that have NOTHING to do with this account. Where and how did they get it??
Between XX/XX/2016 and XX/XX/2016 I was ammassed over XXXX dollars in overdraft fees. 
Because of the banks decision to sequence the transactions in such a fashion that instead of having a balance of just under XXXX dollars I was charged with XXXX overdraft charges even though deposits were made to cover and shortfall I have made frequent attempts to rectify this matter with chase bank with out a positive response
I keep receiving letters from a collection company called Fidelity Creditor Service that I is not mine. Their mailing address is : XXXX XXXX XXXX, XXXX, CA XXXX, amount of bill is {$490.00}, account number is XXXX. 

I have asked them to provide an evidence that is bill is mine but the have not done so. I would like to assure this bill which does not belong to me, does not show on my credit report. 

Best regards, XXXX XXXX XXXX
I applied for Barclays Arrival Plus Mastercard Credit Card on XXXX. 
Barclays collected all my confidential information ( Social Security Number, Date of Birth, Address, etc ) and pulled my credit report ( hard inquiry ) They now sent me a letter asking for the following information : a ) Proof of Address b ) Copy of Drivers license c ) Copy Social Security Card d ) Copy of Utility Bill This is a XXXX bank perpetuating fraud in US and collecting vital and sensitive information of US Citizens.
On XX/XX/2018 I spoke with XXXX XXXX from XXXX XXXX XXXX  via a phone call and she informed me that my bank account would be frozen if I did not pay {$5800.00} concerning an alleged debt to XXXX XXXX. I am an elderly person with a hearing problem living on Social Security and was scared by her conversation.
Our mortgage is serviced by XXXX. Our mortgage originated in XX/XX/XXXX with Fairway Mortgage. This complaint is concerning Fairway. During the service transfer process, Fairway provided XXXX with an incorrect and outdated HUD Disclosure, causing our monthly loan payment to go up {$200.00}. Thankfully, I am a consumer protection attorney and spent the last year working specifically with mortgages, so I was able to ascertain that the issue was with Fairway and the incorrect HUD Disclosure. I was able to provide XXXX with our correct HUD Disclosure and, as of this moment, they say that they will handle it. Fairway, however, failed to provide XXXX with a complete file on our loan for the service transfer audit, as they are required to do in compliance with CFPB rules. I believe that I have taken care of the complaint and the CFPB does not need to take any action at this time, but I would like the CFPB to be aware of Fairway 's negligence in providing proper and complete documentation during a service transfer. Thank you.
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX California XXXX XX/XX/XXXX CHASE BANK XXXX XXXX # XXXX XXXX XXXX De XXXX XXXX : Chase Credit Cards Account Numbers : XXXX # - # XXXX - {$800.00} XXXX # - # XXXX - {$5200.00} XXXX # - # XXXX - {$2100.00} SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern : CHASE BANK I would like to make arrangements to settle the above referenced matter. 


Please provide me with your statement of the amount owing as of ( XX/XX/XXXX ), together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 



Thank you very much. 

XXXX XXXX XXXX., XXXX Without Prejudice XXXX XXXX )
I believe the company 's name is Credence Resource Management. The phone number is XXXX. They call me every business day and don't leave a message ; the latest call was today XX/XX/2018 at XXXX. I believe they are calling for the person who previously had my phone number.
I have XXXX credit accounts showing on my credit report for XXXX and XXXX. I do not know what these accounts are and I did not use either of these accounts. I have tried to contact both credit companies and could not get any questions answered. My credit report is showing as an authorized user on both these accounts. I did not consent to being added on either of these acccounts nor did i use them.
I had a special XXXX account with Wells Fargo that required {$25000.00} in the account. I was charged a fee for this account for many months no matter if the account had over XXXX in it or not. The bank manager almost fell over the teller trying to sell me this and when I addressed it I was not compensated for this deception fully. 

I also noticed a extra savings/checking accounts that were added that I wanted to make sure I was n't charged for those as well. I noticed when I was closing most of my accounts with Wells Fargo. 

Thank you kindly
Suntrust Bank acquired several fraudulent student fin'l aid loans in my name. They refuse to discuss these with me and provide chain of possession information about them.
In reviewing my billing statement for the period of XXXX XXXX 2017 thru XXXX XXXX 2017, I noticed that my Interest Charge Calculation that my " Average Daily Balance '' was over {$400.00} greater than my credit limit. I called Capital One and no one could explain that to me. I have the statement and I do not dispute the charges but I do dispute the Average Daly Balance. My Balance started at {$2400.00} and ended {$3600.00} for a average dally balance of {$2900.00}, That is simple math. If the company is skewing the ADB of all its card holder to the right by a {$1000.00} it is defrauding the cardholders a hole lot of money.
put a lien on my house. after I paid them off, they did n't remove the lien or judgement. I am now trying to sell that house, and ca n't cause of the lien. they are refusing to remove the lien and wo n't talk to me, but insist I get a XXXX.
Letter from XXXX in response to identity theft : XXXX XXXX XXXX XXXX XXXX, IN XXXX Number : XXXX XXXX XXXX, Thank you for contacting XXXX XXXX. It was my pleasure to have assisted you in completing your case. 

An Extended 7 Year Fraud Victim Statement has been added to your credit report as of XXXX/XXXX/2015. This alert will encourage creditors to contact you before approving new applications. 

It is also suggested you report your identity theft case to the Federal Trade Commission. You may contact the Federal Trade Commission by calling XXXX or obtain more information on their website at http XXXX 

I have also attached fraud dispute letters for you to submit to Equifax and XXXX. Please review, sign, and include your full Social Security Number and Date of Birth at the bottom of each letter, along with a copy of a Police Report. Including a copy of the Police Report with the dispute letters is highly encouraged and suggested. You may also include an Email Address so that the credit bureaus can send the results of your investigations directly by email. 

We recommend sending your correspondence certified, return receipt, but you may also send it by regular U.S. Postal Mail to : EQUIFAXXXXX Information ServicesXXXX XXXX XXXX, GA XXXX Victim AssistanceXXXX XXXX, PA XXXX followed this advice and sent the following letter to Equifax along with copy of police report : Equifax Credit Information ServicesXXXX XXXX, GA XXXX Whom It May Concern : This is a follow up letter to the phone call I placed to XXXX XXXX XXXX regarding the fraudulent activity that is listed on my credit report. 

Fraudulent Inquiry : XXXX XXXX/XXXX/2015 - This is not my inquiry. This inquiry was applied for fraudulently by someone using my personal information without my knowledge or authorization. I have already contacted this company to alert them of this fraud. Please remove this from my report. 

Once the fraudulent information has been deleted, please send me a copy of my corrected credit report. If you have any questions I can be reached at ( XXXX ) XXXX. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, IN XXXX : XXXXXXXXXXXX : XXXXDOB : XXXX response to this was as follows : XXXX We have reviewed the inquiry information for XXXX. The results are : Inquiries are a factualrecord of file access. Should you have reason to believe this inquiry was unauthorized, Please contact the creditordirectly and follow their internal fraud procedures. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX COMPLAINT : EQUIFAX DID NOT PROPERLY RESEARCH THIS INCIDENT OF IDENTITY THEFT AND DID NOT DELETE THIS FROM MY CREDIT REPORT.
On XXXX XXXX, I sent a request to all three credit bureaus requesting that they correct two errors on my credit report. I promptly received responses from XXXX and XXXX XXXX correcting the mistakes, but I have not yet received anything from Equifax. They were supposed to respond inside of 30 days, but it is now 73 days and counting without a response.
I submitted a report and explained it report Number XXXX, There is a Debt with XXXX XXXX XXXX  for {$560.00} I never had a contract with this company also Diversified Consultant for {$410.00} this is not my debt I never had a contract with. According to Sec 609 ( a ) ( A ) ( 1 ) of the Federal Trade Commission, I requested for them to show me proof that I did infact make a contract with them and owe these debts and they have not provided the following information and can not because it is not my debt with them.
I have been disputing an account from  XXXX  that was a paid off and company agreed to remove the close account which   XXXX   and  XXXX  have removed but transunion keep coming back as verified. I have sent proof to transunion that the account have been removed from the others to please follow suit and they have not complied
I recently signed up for XXXX XXXX service. Upon checking my Equifax credit report I found that XXXX issued a hard credit inquiry without asking for my permission. I would like to file a complaint for this unauthorized action and ask that XXXX take action to remove this inquiry removed from all of my credit reports.
Experian deceptively led me to give my CC for charging to me credit report. They did not give any information on the service they are providing and how and which number to call to cancel, or that they have charged my CC. Their WWW deceptively gives information forcing you to give your CC as if it is required to give you the credit report and then without notice they charge your CC, Request made to cancel the service is very aggressive. Calls are dropped, that 's what happened to me and they refused to refund me later call, when I saw the charge on my checking account,
I have recently had a wage garnishment put in place. I have lived at same residence for 10years and never received any documentation. I have been trying to work with Collection Technology Inc and they have been extremely rude and very difficult to deal with not returning phone calls not sending paper work, etc and so on!! I know that it is there job to collect debt but I do n't believe I owe as much as they say and I was pretty much told that is what told that is what total is and that is that! Just called them XXXX/XXXX/15 @ XXXX central time, was told we are in a meeting we will call you back and hung up on! Not sure who their CEO knows within the Department of Education for them to be able to buy this debt and then immediately start garnishment and withholding tax money.