WillisBack/dataset-financial-user-claim huggingface dataset:
CRA violation no knowledge inaccurate name, address, telephone and unauthorized inquiries that I did not recognized appear on my Experian credit report.
XXXX   XXXX   XXXX  in  XXXX , North Carolina charged me for natural gas consumption in  XXXX   XXXX  for a volume that wa s 10 t imes what I consumed in the month prior. My natural gas consumption habit did not change from  XXXX  to  XXXX , although a modest increase could be expected to due to heating requirements. In fact, I vacated the premises on  XXXX   XXXX , and the heating was turned off at that time. There was no justification for a ten-fold increase. I asked for a review of the account by  XXXX , and  XXXX  took no action. The debt was sold to FirstPoint Collection Resources of  XXXX , North Carolina. In  XXXX   XXXX  I received a letter that was dated  XXXX   XXXX ,  XXXX . I believe the letter was pre-dated in order to eliminate possibility that I could challenge it in the time frame allowed by law. This is a fraudulent bill, and it appears to be a predatory business practice of  XXXX   XXXX   XXXX .
The collection is not bonded in Texas and can not legally collect debt. Please remove accounts from my credit report and confirm that the debt is not owed.
We are signed up for automatic recurring payments with Ocwen to have monthly payments drafted from our checking account on the XXXX of each month. For some reason, Ocwen has not drafted the XX/XX/XXXX payment as of XX/XX/XXXX. We had requested for Ocwen to stop drafting funds from our checking account if a valid transfer of assignment could not be provided. Ocwen has not been able to provide a transfer of assignment that was processed before closing date of the trust of XX/XX/XXXX. Only transfer of assignment that Ocwen has provided was 5 years after the closing date of the trust. We have not requested to be removed from the ACH program. I am concerned because of the issues I have raised against Ocwen and XXXX XXXX XXXX XXXX as trustee for Option One Mortgage XXXX XXXX XXXX, that Ocwen is trying to cause our account to be late ( and in default of the loan modification agreement ) by not applying the automatic payment on XX/XX/XXXX. I did not cancel this payment request.
Dear XXXX, I am just writing back to let you know that I have not received a response to my complaint at Ocwen Loan. I have submitted my letter of complaint last XXXX XXXX, 2015. As of today I have not received anything from them aside for letter stating that my case is still open. My case number was XXXX. I apologized that I have to write you again for follow up. I am just very concern about this lack of response coming from Ocwen Loan. My bankruptcy case was discharged last XXXX XXXX, 2015. As of to date, they have not updated their records. I am still on bankruptcy on their records. They have not done anything inspite of my multiple calls to them and letter from my lawyer. The sad part, I can not refinance to a better rate because they are not updating my records and there credit report on me. In short, I am still not moving after 6 years after the bankruptcy. All my records has already been faxed to you through my previous letter. 
Thank you very much for your very kind assistance. 

Sincerely, XXXX XXXX XXXX
I had my federal student loans at multiple places, ACH and FedLoan, and applied to have it consolidated, to FedLoan. During the consolidate however ACH decided that they to sell my loan, to XXXX. FedLoan never bothered to verify that information was still accurate after they completed their process before they sent the money. FedLoan is now charging me for the new consolidated loan even thought the original loan still exists. ACH has now been paid twice for the same loan they claim to have sent the money to XXXX however XXXX claims to never have recieved it, even though it has been over a month, and is continuing to charge me for the loan. I have spoken to customer service at each company multiple times and all they do is tell me to call the other companies. Having the loans duplicated is hurting my credit and having to pay the same loan twice is straining my budget. Even if I eventually get this worked out and get reimbursed the money I am paying to the principal, I doubt I will ever get back the payments I am making to the interest. Right now everyone is making money off of me and I end up with double the debt and having to pay the same loan twice, and the longer this goes on the more it is costing me.
Experian removed XXXX  auto loan account that was paid in full. Experian had no legal abilityto remove this account and it should continue to report on my credit reports for at least seven years from time of loan commencement.
Med-1 Last Call was made on XXXX XX/XX/2018. I have notified them more than once I was on the XXXX  XXXX XXXX  XXXX ( in written form ). They have continued to call. 

They call from ( XXXX ) XXXX plus other phone numbers which I never answer,
I do not understand that I owe any Debt to the University ... I never attended any courses online.. The School needed at least 2 Months to get me in the Class and I declined ... .It never got that far ... I returned the books they sent out and never matriculated into anything with this university. Why is there a bebt on my credit report for this University. I have no start date and no end date with this School. So can they remove my so called debt from this credit report? 

Thank You
During the past three months, XXXX has been reporting to the credit bureau 's that I have been 30 days late. This information is incorrect and false as XXXX raised my monthly payment of my loan without my knowledge and without informing me. I continued to make the monthly payment that I was making since day one. Prior to this, I never had a late payment that was posted on my credit report from the credit union. I have contacted the credit union where I get nothing but disrespect and people that are unwilling to clear up this problem. I challenged my credit report as which time Transunion did n't delete the late payments.
I do not owe Jefferson capital I never made any arrangements with this 3rd party and needs to be removed from my credit report
I refinanced my {$41000.00} of Discover student loans with XXXX XXXX XXXX. On XX/XX/18, XXXX XXXX XXXX dispersed a payment to Discover that equaled the payoff amount. On XX/XX/18, Discover had only processed half of this payment. I called to ask when the second half would be processed and they said it would be completed as soon as possible, and would be completed in 3-5 business days. On XX/XX/18, the entire payment had still not been processed. I called again and they said the remainder would be processed as soon as possible and would be completed in 3-5 business days. On XX/XX/18, the entire payment had still not been processed. I called and spent 58 minutes on the phone with a representative who could not provide an answer as to why the payment had not been fully processed and could not provide any additional information.
Can you please ask Citi Bank to close my account for XXXX XXXX XXXX XXXX thank you XXXX XXXX
I am writing on behalf of my parents, XXXX and XXXX XXXX who are XXXX and XXXX years old respectively. They received an offer in the mail saying that if they opened a Capitol One 360 account with a minimum deposit of {$20000.00}, prior to XX/XX/2018, they would receive a {$200.00} bonus. I set-up the account for them as they have no computer or access to the internet at their assisted living center. After opening the account on XX/XX/XXXX, I received an email saying that a small deposit would be made to their XXXX XXXX account ( source of funding 360 account ) and that I would have to email them with the date and amount of the deposit. I did this, but watched the account for a few days as it was not showing as being funded. On approximately XX/XX/XXXX I called and was advised that I also needed to set-up a profile for my mother ( the email was sent to my father ) and also say what the date and deposit amount was to their XXXX account. In attempting to do this I had numerous problems as my mother has an old sign-on from 10 years ago and of course does not remember the user name or password. It took many calls into Capitol One, including one where I picked my parents up at their assisted living facility and spend 2 hours and 45 minutes at my house on calls with Capital one 360, the credit card division and the bank ( XXXX representative ). I wish you could listen to the call ... ... it was absolutely ridiculous. Anyway, by the time we finally got the account funded we were past the XX/XX/XXXX promotional period. I explained to the representatives that they could see when I opened and attempted to fund but due to their fraud prevention rules the transfer was not made. I also find it amazing that Capitol one would send an offer to consumers in their 90 's when they have no branches to assist in fulfilled the offer. I told this all to Capitol One and all they did was send a letter back to my parents saying, so sorry, can't break their rules regardless of how old you are. I think this is totally unfair and appeal to you to have Capitol One reconsider. My parents live on a small pension and transferred all money they have into Capitol One. This borders on being a deceptive offer! 

Thank you XXXX XXXX
Hello I have 2 items on my credit thats not mines. XXXX XXXX and XXXX  XXXX. and multiple inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX It way too many inquiries to count. I have not applied in a long time.
On  XXXX / XXXX / 2017  I sent through this portal a demand for an investigation of items on my credit report. The case number to this complaint is  XXXX . As you can see as of today  XXXX / XXXX / 2017  that Transunion has not provided a response to the investigation. I have called and spoken to there customer service team on  XXXX / XXXX /   2017  and was informed that the investigation was still pending 34 days after the start of the investigation. there is no wiggle room in the FRCA when it comes to investigations, your either comply, or you do n't. They are obviously not in compliance. When this complaint is received on Monday  XXXX / XXXX /   2017  the investigation will be in its 37th day. I did not waive time so they need to comply with the FRCA.
XXXX XXXX. XXXX XXXX XXXX, GA XXXX Or TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Or XXXX XXXX XXXX, TX XXXX XXXX, XXXX SS XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam, Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : [ XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX ]. 
As required by FACTA and in support of my request, I am including a copy of my identity theft report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. I may be reached by telephone at [ XXXX ] Sincerely, XXXX, XXXX SS XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Portfolio Recove ry Associates, LLC refuses to se nd me documentation showing how much money I have paid them and how much is left for me to pay. Every time that I call consumer service the amounts vary. This does not make sense and is not reflective of a responsible and honest financial institution.
I have several inquiries that are appearing on my report that are not mine. Wells Fargo # XXXX, XXXX # XXXX, XXXX, XXXX XXXX. Would you please have these inquiries removed that are a result of attempted fraud. I have fraud alerts that are in place on my report that will not allow new accounts to be opened without my consent.
Paid XXXX XXXX XXXX ,XXXX was suppose to pay {$50.00} each month never received another meeting after the first upon making several request. Illegal use of XXXX wallet by Blaclwood Credit Service was advised by XXXX when attempting to get my money back. Requested refund from my bank wells fargo after submitting receipt, contract, and email communications they granted refund. XXXX XXXX and XXXX XXXX took me to court in XXXX XXXX for XXXX although the company 's violated Credit Repair Organization Act, Michigan Public Act 160 section 3, and Federal Trade Act Title 15 Chapter 41.
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the account and bankruptcy have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. .The error has hurt my credit score. CFPB please step up and delete this ASAP please Im looking to purchase a home.
They called several times throughout the day. Sometimes in the # I provided and most times on a robocaller from Kohls dept store. 
The times Ive answered Ive told them not to call so often and I get pay your bill and we wont call you. I told them if I could pay them I would. 

Dates/times called : XX/XX/XXXX @ XXXX XXXX @ XXXX XXXX @ XXXX XXXX @ XXXX XXXX @ XXXX XXXX @ XXXX XXXX @ XXXX XXXX @ XXXX XXXX @ XXXX XXXX @ XXXX XXXX @ XXXX XXXX @ XXXX XXXX @ XXXX You get the idea.
Discovered the lender, XXXX XXXX XXXX, have been charging me a higher late fee than they were supposed to. I asked the lender about the excessive charge for a late payment and the asnwer that was provided was, they have a clause that allows them to charge up to 10 % of the monthly payment amount for late charges. However, for the state of Maryland, the late payment fees should not exceed {$20.00} for the states of Maryland, Kansas, Utah, and/or Louisiana. Ive attached supporting document. I have been charged {$49.00}.
I consolidated my Federal Student Loans with XXXX in XX/XX/2016, but XXXX is still currently showing that I still have a Federal Student Loans with them - the 3 accounts are opened, showing the 3 accounts with a balance, showing that my payments have been deferred - in good standings, and that I still owe them. 

I have been contacting XXXX both verbally and in writing about correcting this information. XXXX is no longer the agencies for my Student Loans, the accounts have been paid in full to XXXX, the accounts should be closed - show a XXXX balance. But they have yet to do so.
To whom it may concern, I have been receiving letters from XXXX XXXX XXXX XXXX XXXX  debt collector for the last few months. The debt is about a car loan ( chase auto finance ) the dealer ship purchased for me to be able to take off an XXXX XXXX  off the car lot. I was doing well until I lost my job and ran out of my unemployment. Soon after I went back to school and was paying my car payment. Later, I went through a temp agency to work and get caught up with my past car payments. 
Chase auto was the original debt holder, and I would like to say acted unfair practice. The reason I say unfair because an ex Co worker that I ran in to a couple months after I bought my car ( at the time ) from the XXXX dealership ; she said she had purchased the same vehicle ( except different color ), and from the same dealer. With her own words said the dealer from XXXX in XXXX, CA had got her a lower car payment. I told her you must have good credit, she said no her credit was terrible. Although, she had bad credit the dealer was able to lower her car payment to {$200.00} a month. Same dealer told me they couldn't that was as far and low that car loan payment would be ( {$380.00} a month ). 
In XX/XX/2017 the car was repossessed before the repo guy took it I called chase to see if I could give partial payment and the rest later in the evening. I was laughed at, belittle, and beraided on the phone for not being able to pay my vehicle. And even though I offered to pay the late payments on my repo vehicle ( XXXX chase representative ) laughed at me and denied me the chance to pay the rest. Less then 30 days later my car was put up for auction. After, that call I felt so small because that's how chase representative made me feel. 
After, it was auctioned I was being billed for the remaining balance of the repo vehicle which is {$5500.00} and because I'm not able to pay it chase sold it to XXXX XXXXXXXX XXXX XXXX XXXX  debt collector. This debt collector has already violated my rights they have been calling family members that I don't live with and some that live all the way in XXXX, new Mexico. I have been receiving the debt that I owe but I'm unable to pay it right now because I am out of work. I don't appreciate that this debt collector is telling my business to family and I want them to stop calling family that I don't live with.
In XX/XX/XXXXand XX/XX/XXXX Lowe's/Synchrony did not post payments to my Lowe 's account in a timely manner. I have repeatedly provided documents from XXXX XXXX to prove those payments were made, in full and on time. Synchrony charged late fees for bills paid in full and on time. Then they repeatedly charged additional late fees for the unpaid late fees until they got to {$290.00}. They stopped charging the late fees when they " ACKNOWLEDGED '' that they had in fact received both payments on time and in full : XX/XX/XXXX paid in full {$370.00} XX/XX/XXXX paid in full {$170.00} In spite of the fact that XXXX provided the documentation proof, Synchrony did not remove the charge for late fees of {$290.00}. Several collection agencies call and harass me and my family trying to get ILLEGAL FRAUDULENT late fees paid. They continual add these late fees to my credit reports as NEW items hoping that I will just pay them anyway
I am a victim of the data breach in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, IRS Data Retrieval Tool for FAFSA and  I am very concern about the privacy of my information has been compromised and it is all over in the dark web, accounts had been open in my name. I was told to file a complaint, police report and FTC ID theft report which are attached. 
I'm requesting these information to be block from my credit report a in accordance with the FCRA .Please romove all none account holding inquiries in the last two years.
On XX/XX/XXXX, Paypal took {$280.00} from my Paypal account and they can not explain why. I have called 16 times and asked for managers and supervisors over the past month and get different answers each time I call. They are trying to link it to a XXXX  XXXX, XXXX XXXX, who reserved our house back in XX/XX/XXXX. She paid a deposit on my Paypal account with a XXXX XXXX Credit Card in XX/XX/XXXX. Then she cancelled a few months later. We were out of the country at the time and could not refund her from my Paypal account because there were no funds in it at the time ; so we refunded her through my husband 's Paypal account ( XXXX XXXX ). When XXXX  didn't get her refund right away, she filed a dispute with XXXX XXXX, but then got the funds in a few days and cancelled the dispute the next day. Nearly 4 weeks after my husband paid her, Paypal took the funds from my account and told me they put it in XXXX 's Paypal account. For several weeks she looked for the credit and it never came. We have been in constant contact with her regarding this issue and she is also quite frustrated with Paypal who gives her different stories every time she calls too. She stated and proved to us and Paypal by sending a screen shot of her account that she never received the funds from Paypal. Also she sent to them and us proof that she got the refund from my husbands Paypal account and was not owed any money any longer. Then on XX/XX/XXXX, Paypal told XXXX  they sent the funds to her credit card by a " forced refund '' and that it would show up on her credit card statement by XX/XX/XXXX. It never did show up on her statement. Meanwhile Paypal told me they were " holding '' the funds to see what XXXX XXXX  would do with the dispute. XXXX sent them documentation proof that XXXX had cancelled the dispute. Each time one of us tries to refer to the others Paypal account, Paypal tell us they can not discuss anything with her or us since the other party is not on the phone and they keep telling me the same that they could not discuss anything since XXXX or my husband was on the phone and told him the same when he called about his payment to XXXX. 

Now, XX/XX/XXXX, Paypal claims that XXXX took the money from them because of the dispute and that they took it from me to recover their funds and told me to dispute it with my husband 's bank since he paid her from Paypal through his credit union. The credit union is confused and will not refund my husband because Paypal owes us the money. 

On XX/XX/2018, Paypal refuses to refund the money they took out of my Paypal account and I see no recourse for getting my money back. I have done research on the internet and found hundreds of similar and worse stories about Paypal. Seems no one is really regulating them.
XXXX, XXXX, XXXX GA XXXX reported a Debt collection was reported to EQUIFAX on XX/XX/XXXX from a first Delinquency date of XX/XX/XXXX for a debt of {$280.00} from a Rental/Leasing Client XXXX. My response to EQUIFAX was that this was beyond the XXXX Of XXXX statue of limits for notification of debt and wanted it removed from the credit report. EQUIFAX report back that this does belong to me and left it on the report.
COLLECTOR FAILED TO VALIDATE AND IGNORED CEASE AND DESIST, REC 4 CALLS TO MY DADAS CELL PHONE, INVALIDATED DEBT INQUIRY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FILED CHAPTER XXXX BANKRUPTCY CASE NO. XXXX
I Dont have a XXXX credit card this company has been harrasing me for the last few years, i have asked them to tell me what was bought and when, and they said they dont have that information.
My minor child used my credit card for over {$12000.00} of unauthorized charges within gaming apps through XXXX. When I initially reported the unauthorized charges, I did n't even know it was my child that had done it ; Citibank said we were not responsible for the charges. They refunded some of the charges and then declined to remove any more stating that we are responsible for misconduct of the child.
XXXX sent me a letter with procedures and the amount charged {$900.00}. That is not validation nor verification. This debt is not mine also the validation they sent was a HIPPA violation to whom ever charges these are. I have no signed contract or knowledge of me having these procedures done ... XXXX and the original creditor XXXX XXXX are not licensed in the state of Michigan I want to include according to the state of Michigan Licensing website!