WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX  credit agency is reporting untruthful information on my credit report i have told them repeatedly that the birthday that is listed on my credit report is n't correct I have sent in my driver license and also my social security more than three time via mail in also email I sent all the mail certified also. I also had disputed some inquires that was listed on my credit report i told them that there where not mine in i dont even know have of the company that is listed they told me it was my job to call in ask the company to remove them i told them how can i ask them to remove something that i dont even acknowledge they then told me they the company is paying them to keep the inquires on the credit report in that why when we disputed the inquires we get a return result the next day. the inqures are   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     XXXX     XXXX   XXXX  / XXXX    XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX    XXXX
transunion had a glitch in their system that violated the rights of their consumers under section XXXX. As a result, I have been greatly affected and my score is suffering as a result. No notice was ever given which is also a violation and i am requesting that ALL inquires be removed.
Default : Collection Agency Subtle Scam? 

What protection do we ( age XXXX ) have when a collection agency ( this XXXX in XXXX XXXX ) places us on 'default ' through their lawyers because they allegedly did not receive the check we sent? 

Our records show we have been diligently paying for a medical bill ( incurred during an emergency ) with this collection agency, in spite of the fact that the hospital kept sending us " 0 '' Amount You Owe -- then popped this Collection Agency ( Please see attached document ). 

Abruptly, half way sending our payments - during the tax refund season at that - we got a call a day after the 'default day ' that we are on default ; subtly informing us this would be forwarded to the credit bureau. 

We are buying a house, about to make the walk-through next month ; you could imagine how conscientious we are on every step of the way regarding credit issues. 

Can this collection agency simply claim, " Sorry, you defaulted, we did not receive the check ...? " We never lost any check we issued -- we make sure we mailed letters/checks directly with our post office. 

I wonder, as a XXXX, how many defaults are incurred due to non-receipt of check payments by this particular XXXX XXXX collection agency, or possibly other collection agencies? Would you happen to have data on this concern? 

In addition, is it the practice of collection agency NOT to send bill or payment confirmation? This collection agency said, " We do n't do that. " This is an alert I would like to share. 

I would be happy to send you the details. 

Have a wonderful day.
I have had a XXXX credit card with Chase since 2008. I use it regularly and always pay the full monthly balance. They charged me my annual fee of {$60.00} in XXXX. 
I have already paid my XXXX balance in full. 
Today my credit card was rejected. When I returned home and checked online, it said my account was closed. I called Chase and was told they can not give me a reason or tell me who or why it was closed. They said it is their prerogative. That the only way I can request information is writing and sending a written request to a Chase address they gave me in XXXX. 
I am leaving town Wednesday and will need the credit card for travel expenses as well as have regular incoming bills that are automatically charged to Chase and a charge I have already given to my XXXX to be charged to Chase. 
It is frustrating and inconvenient to be treated with little regard by the banking industry. 
Besides an explanation, I want my full {$60.00} fee returned and do not want this to affect my credit rating.
I spoke with a representative from the company and asked about credit reporting. 
I asked if I would see it on my record because I had read online somewhere that it should. I was told it would show on there once it was paid off. 
I did pay it off and it never hit my report. For the disgustingly high-interest rates these robbers charge, they can at least give you a bump on your credit, especially since it is the only option for some people who need a loan.
I used XXXX through the Wells Fargo mobile app to transfer {$400.00} to a seller on XXXX for tickets. The seller was a scammer and never transferred the tickets. When I filed a claim with Wells Fargo, they claimed there was no redress because I authorized the transfer. 

However, there are few reasons why Wells Fargo should be responsible and reimburse me for the loss : - The XXXX function is fully integrated into the Wells Fargo app and website, which makes it look like it is part of the bank and not a third-party provider. 
- By trading on consumers ' trust and confidence in Wells Fargo, XXXX makes it seem safe to transfer funds using its service. 
- Based on this integration, a consumer would have a reasonable expectation that XXXX comes with the same consumer fraud protections that other payment methods through the bank have -- such as paying with a check, credit card, or debit card. 
- XXXX asks for the recipients name and phone number -- this makes the consumer think that the bank is checking to see if the recipient 's bank account matches the recipient 's name and phone number. But that can't be the case, because the scammer was impersonating someone. 
- Both Wells Fargo and the recipient 's bank have Anti-Money Laundering/Bank Secrecy Act requirements to " know your customer '' but it does not seem that either bank is conducting any due diligence to ensure that the recipient is who s/he claims to be. 
- Even though I have now found many articles online warning about XXXX scams, Wells Fargo has no warning about these scams to users. If you know that a payment system is being exploited by fraudsters, you should have some information about it on your website. 

I understand that Wells Fargo views XXXX like a wire transfer and therefore they claim to have no ability to return the funds. However, I believe that Wells Fargo bears financial responsibility for hosting a payment system that is so easily exploited by criminals. Even if Wells Fargo has to pay for the refund itself, it should have to internalize the cost of the risk of scams that it exposes its customers to. The relationship that a customer has with his/her bank is totally different from the relationship with an unknown payment service provider. I would not have used XXXX if I had understood how it works and how little protection there is. 

If Wells and other banks had to take responsibility for scams through XXXX, they will have the incentive to try to stop these scams. If they refuse to take responsibility, customers will lose confidence and trust in their banks.
Letter dated XX/XX/2018. Amount is {$2300.00} from a closed account. They keep pestering me to pay with letters. The letter doesn't match up with credit report so it has been difficult to determine accuracy of this. Or even if this info is up-to-date.
I have sent multiple requests to Equifax requesting proper validation of a damaging unknown collections account in the amount of {$75.00} listed on my credit report. I have repeatedly told Equifax that this debt is not valid and does not belong to me. Equifax has blatantly ignored these requests and has repeated stated that the debt is valid without providing me any proof. The account on my report keeps coming back as verified but I as the consumer have not been provided with one shred of validation or verification documents which I specifically requested in said correspondence. Under the FCRA, I as the consumer am legally entitled to view the documents used in this investigation. I demand proper validation documents of said accounts on my report, to include but not limited to my PHYSICAL signature on a PHYSICAL contract. If the requested documents can not be provided then under the FCRA I demand said account be removed from my credit reports. Thank you for your advanced cooperation.
I have filed numerous disputes with all XXXX credit bureaus about information on my report, either too old, closed/pay as agreed, or insurance company paid bill. They have refused to investigate or remove the items from my reports. 

In XXXX, for example, I had a work related injury. I had to file a worker 's compensation suit against my employer 's insurance company. After the judge awarded me both financial and medical compensation, my attorney advised all medical bills be paid by their insurance company. There are at least XXXX items still showing on my reports that were never taken off from that injury and the judge 's decision. 

I have contacted XXXX, Experian, and XXXX about these reports and not one of them had even investigated these. They are refusing to delete any reports and refusing to investigate said disputes. I filed the disputes not long after the judge 's decision in XXXX, but they are still there showing unpaid/collections with the remark " consumer disputes ''
This debt was attempted to be collected by Afni last year they could not prove I owe the debt because I do not owe the debt had to be removed from my credit report. They have since sold the debt after removing it a month ago to XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX for {$1200.00}. They are now reporting this bogus debt to my credit report.
Wells Fargo was always paid on time no late payments that info is incorrect on my credit report and caused me a loan denial
In a federal disaster relief area and asked if mortgage can be deferred and added to end of loan. They say only special forbearance and all has to be paid at end of 90 days. What help is that?!
Before I decided to apply for a heloc loan I asked the coordinator I a seven year old bankruptcy was going to be a problem. He advised me that a bankruptcy was only looked at for the first four years. That a seven year old bankruptcy would not be a problem. So I proceeded the application process. I also checked with my local chase bank heloc, I was asked personal question like what race was i and sex I considered myself. information person and received the same information and I would need at least a XXXX credit score, Then after checking my credit report the seven year old bankruptcy was shown and my credit score was still a XXXX. No problem right? I was denied the heloc loan and was told the reason was the bankruptcy on my report. The double talk I received the chase bank leads me to believe I am being discriminated against for race or sex.
I have a XXXX account # XXXX. Back in XXXX my bill of {$250.00} was paid by a second party roommate directly from her checking account. My roommates name is not on the account. The payment was never posted to my account. We immediately started the process to locate the payment. We sent proof of payment via bank statements and signed notarized letter from the bank stating the transaction number, the tracer number, the amount and date it was sent electronically. We hand delivered, mailed, faxed, and emailed all proof of payment on many different occasions. We continued to be told the payment was being reviewed. The bank sent a " train '' document directly to XXXX accounting department per their request via fax. After months of not seeing a credit to my account, I started to receive collection calls. I immediately contacted the collections department with my concerns. My service was indeed interrupted. After speaking with several collections reps and customer service reps, I was advised the collections department was n't made aware my account was in dispute. My service was restored. A few more weeks went by and still no credit to my account. At this point I hired an attorney. The attorney sent a Letter of Representation to XXXX which they acknowledged. My attorney re-submitted all of the proof of payment documents to XXXX accounting department. At this point it was found the payment was sent to XXXX XXXX in error. Apparently XXXX XXXX is the parent company of XXXX. The bank account the payment came from is located in the XXXX. When the auto pay was set up, it was set up using the incorrect cable company address. While I take full responsibility for this error, we also showed proof that the front of the check showed the correct account number. The check was never returned to the maker nor were the funds refunded to the account. The attorney was in contact with the XXXX XXXX accounting department. They advised in writing a refund would be sent via paper check and sent to the attorney. This refund check was never received. On Friday XXXX XXXX, 2016 the attorney sent another certified letter to XXXX XXXX requesting an update. In the meantime, I have received dozens of collections calls from XXXX attempting to collect this debt. It is important to note I have continued to pay any current balance owed. The attorney also wrote to XXXX reminding them I was disputing the account and I was represented by an attorney. the collection calls have continued as of the date of this complaint. On Friday XXXX XXXX, 2016 my attorney received a letter from a company called XXXX. The letter states that a buy out took place and they are now the parent company for XXXX and XXXX. The letter states all correspondence will need to be sent to XXXX. I am extremely frustrated with the responses from XXXX and XXXX XXXX. The continued collections calls are a violation of the FDCPA. Please help me resolve this matter. It has now been nearly six months since payment was sent
key bank is falsely reporting late payments to the credit companies. 
bank 's payment history does not show late payments. 
I am unable to get credit due to these false reporting from key bank. 
every time I call key bank to complaint they ask me to pay extra, they said that will fix the problem, and it repeats again and again. 
please have them correct to no 30 days late as per payment history which they send to me. 
also have key bank credit me back all the late fees which are charged by mistake, incorrectly. 
thank you.
I WOULD LIKE FOR THE LANGUAGE OF DISPUTE TO DISAPPEAR FROM MY CREDIT REPORT. SINCE IT SAYS THAT I AM DISPUTING THIS ACCOUNT AND I AM NOT OR AUTHORIZE TO HAVE THAT ON MY CREDIT REPORT. FOR THE ACCOUNT XXXX.
I ran my credit report earlier this year and found that TransUnion was listing multiple incorrect addresses associated with my name. On XXXX/XXXX/15, I wrote them asking for XXXX to be removed. ( The other incorrect addresses they listed were obvious typos & duplicates and, given the TransUnion incompetence that demonstrated, I thought I 'd keep it simple for them. ) While they removed XXXX of the incorrect addresses, they left the XXXX. On XXXX/XXXX/15, I again wrote requesting they removed this third incorrect address. Instead of removing the address, they sent me another copy of my credit report. ( It 's a good thing I did n't ask them to correct the stale phone numbers and employment data they have listed. )
Dear CFPB, On XXXX/XXXX/15 Specialized Loan Servicing agents and my designated relationship manager, XXXX ( Teller ID : XXXX ) confirmed SLS made a mistake in processing my final loan modification agreement. The agent also confirmed that my additional payments of ( {$3400.00} ( XX/XX/XXXX-XX/XX/XXXX. 2015 ) since the completion of the trial modification program ( XXXX - XXXX 2015 ) had not been applied and still remain in a suspense account. I was told the issue had been escalated and a supervisor would make sure the system was updated and the agreement enforced. I had contacted SLS on XXXX/XXXX/15 to inform them I had not received the final loan modification documents and did they send to my new address as I had informed them of in XXXX. SLS stated they had sent the documents to my old address on XXXX/XXXX/15 to be returned by XXXX/XXXX/15 and they would resend the documents and retroactively enforce the agreement. SLS sent the documents on XX/XX/2015. I signed and notarized the documents on XX/XX/2015, confirmed SLS received on XX/XX/2015. XXXX Tracking Number : XXXX. When I contacted SLS on XXXX/XXXX/15 for a status update and resolution before I made another payment to sit in a suspense account, SLS transferred me to over XXXX agents and said they could not find any documentation and my final loan modification had been denied and threatened foreclosure. I have been working with SLS during hardships for over three years to resolve the defaulted mortgage payments. SLS denied XXXX distinct offers to purchase the listed home from different buyers in two years via the short sale XXXX process. Then we pursued Deed in Lieu and Loan Modifications, I completed the Trial modification and due to SLS mismanagement, fraudul ; XXXX practices, unethical standards, and poor customer service my final modification is not being processed and causing me extreme stress and continued financial hardship. 
I would like this situation to be investigated and resolved immediately, my final loan modification reinstated, and my suspense payments applied to the new modification. 
Thanks
I made a payment through the companies website and they purposely mis-allocated. For example, I have 3 private loans and 1 federal loan with Navient. I made a single payment to cover my 3 private loans based on the amount they said was due and they used that money and applied it solely to the federal loan leaving the private loans unpaid causing my account to be late. In support, my private loans total approx $ 1k per month and my federal loan {$50.00} so they took the $ XXXX and applied all to federal in the form of a prepayment instead of covering loans due. Further more, this is not the first time this has happened!
I will respond to Hunt and Henriques correspondence dated XXXX XXXX, 2017.  That was sent to your offices and forwarded to me. I demand they cease and Desist Collection activities. They have no legal right to file any motions or collect any funds for these accounts
I have been dealing with this for years. I filed bankruptcy in XX/XX/XXXX. Several lenders reported falsely for some time which I finally was able to get corrected except for one lender. This lender would report false info and I would dispute it and then it would be corrected. I at a later time would then find out they reported the removed info again and I then would dispute it again and again it would get updated. Again I just found out they reported last month again using the previously erroneous info that was removed after I disputed it. I again filed another dispute today but I am getting tired of this game. This erroneous reporting is lowering my credit score. This is how I found that they did it again. I got informed from credit watch that my score dropped for no known reason. I pulled my latest credit report today to find XXXX has again reported the previously removed info showing a balance due and that the account is past due. They again changed the account closed date to XX/XX/XXXX when it was closed in XX/XX/XXXX and they are reporting that the account was re-affirmed after bankruptcy which never happened. Not only is the info they are reporting wrong it is an outright lie!
This was at a managed rental property where I was being harassed by a neighbor because of my XXXX. After several calls to the local police the property management told both of us that if one leaves they would not hold us to the remainder of the lease. Being the newer tenant I took that offer but did not ask for it in writing, trusting their verbal agreement. Several months after finding a better place they claimed through a collection agency that I owed them for the remaining months I did not live there and several weeks before even moving out posted an eviction notice at my door from the local Sheriff 's office despite never having a notice to appear at court. I discarded it because I was planning on moving out any way. I contacted the collections, dba " Hunter Warfield Inc. '' that referred me to management dba " XXXX XXXX XXXX " that just referred back to collections. I even noticed reviews on apartmentratings.com that this was a common practice by this property management.
New complaint connected to a previous complaint about Barclays Bank and the UpPromise card : I need for Barclays to *remove the inquiry from my Credit Reports* because it has indeed affected my credit rating, which affects Jobs, Housing, and Credit. 
Thank you.
Diversified Consultants keeps calling & not leaving a message. Number is XXXX. When I called the number back it states it 's a collection agency.
There is an account now reporting with XXXX XXXX for a XXXX account showing that it opened in XX/XX/2018 and this is an aged account. There has been no service with XXXX in over 7 years. For whatever reason it keeps getting passed around and then reports new but the initial collections occurred over 7 years ago. This should not be listed.
I have repeatedly requested that AWA Collections provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
XXXX # XXXX and XXXX XXXX XXXX has multiple names and continue to duplicating accounts on my credit reports. This account has been paid. Both creditor and collections are reporting incomplete information misleading potential creditors offers. XXXX XXXX exceed 7 year statue for reporting. 

XXXX XXXX XXXX XXXX paid as well all adverse information listed on credit report is incomplete. 

XXXX XXXX XXXX/XXXX XXXXXXXXXXXX XXXX are all the same duplicated accounts.. I have record showing I paid this account.
This bill was paid in full and the company is saying I owed in finance charges this is unbelievable my account was paid off and after My account was paid off then they send a next bill saying thats the finance I paid chase bank in full
I have independently resolved my issue with my Macy 's XXXX card, and since closed my account, but wish to document with the CFPB and I ask that you pursue with Macy 's as a complaint about this business practice. 
It appears that Macy 's charges an additional {$2.00} " minimum interest fee '' every month, even if you are receiving a bill for the first time for items you have purchased. Not clear, even from reading " the fine print '', what this fee is. 
We discovered this when we were trying to resolve past due payments for which we had never received a bill, neither online nor hardcopy ( though online is our stated preferred method ). Seems to me that this is a fee easily overlooked by Macy 's customers and therefore a clever way ( in my opinion ) for Macy 's to cover the cost of credit card shopping. I certainly agree that people should review their bills every month, but I am betting most people do n't. 
I never got an argument from Macy 's when I disputed this fee, which raises my level of suspicion even more. in fact, once I resolved the overdue payments, made the final payment, and closed the account, I got a bill in early XXXX with a {$0.00} balance AND ANOTHER {$2.00} MINIMUM INTEREST FEE CHARGE!!!!!! 
If you need more specific information, please contact me.