WillisBack/dataset-financial-user-claim huggingface dataset:
I disputed this XXXX account for {$720.00} on my transunion credit file numerous times and all I get is a letter stating it was " Verified ''. I have contacted the collection agency to VALIDATE the account and I have been unsuccessful getting XXXX to validate this account in 30 days so I know Transunion have not verified this account. E-Oscar is not a form of validation. I sent this letter to transunion : TransUnion XXXX, PA XXXX Date : XXXX XXXX, 2015 RE : XXXX, account with the amount of {$720.00} Dear Sir/Madame : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I look forward to an uneventful resolution of this matter. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I included my social security number on the original page
On XX/XX/XXXX, our mortgage was transferred from XXXX  to Specialized Loan Servicing ( SLS ). On XX/XX/XXXX, XXXX had executed a HAMP modification on our mortgage, adding to the principal balance {$23000.00} of deferred interest. Since the modification, XXXX correctly applied our principal payments towards the deferred interest as shown in the enclosed XX/XX/XXXX andXX/XX/XXXX XXXX Tax Statements : {$3000.00} in XX/XX/XXXX and {$6500.00} in XX/XX/XXXX leaving a deferred interest balance of {$13000.00}. SLS erroneously did not apply ourXX/XX/XXXX principal payments towards the deferred interest balance as shown in the XX/XX/XXXX SLS Tax Statement and form XXXX.

To alert them of the error on the XX/XX/XXXX SLS Form XXXX, we contacted SLS several times by phone in XX/XX/XXXX and XX/XX/XXXX and then provided SLS with copies of the XX/XX/XXXX XXXX  Tax Statements by fax on XX/XX/XXXX and by email on XX/XX/XXXX. After multiple follow-up calls, we received a written response from SLS on XX/XX/XXXX : " We have researched your account, and our records indicate that the tax reporting described in your dispute was not in error. '' We contacted XXXX XXXX about this on XX/XX/XXXX and they opened a case with SLS. After multiple follow-ups by XXXX XXXX, we received a written response on XX/XX/XXXX from SLS falsely stating " As our records do not indicate a current deferred interest amount, we are unable to determine any necessary updates to the Form XXXX  for tax year XX/XX/XXXX ''. Enclosed in their response was a copy of theXX/XX/XXXX XXXX Tax Statement which clearly shows in capital letters the " DEFERRED INTEREST ( ADDED TO PRINCIPAL BALANCE ) '' for {$23000.00} as well as the " PAYMENTS APPLIED TO PREVIOUSLY DEFERRED INTEREST '' for {$3000.00} in XX/XX/XXXX and {$6500.00} in the XX/XX/XXXX XXXX Tax Statement.

In spite of the false denial by SLS, our account does have a deferred interest balance of {$13000.00} : {$23000.00} of deferred interest added to principal in XX/XX/XXXX minus {$3000.00} and {$6500.00} of payments applied to previously deferred interest in XX/XX/XXXX and XX/XX/XXXX respectively as shown in the Tax Statements of XXXX, the previous servicer of our mortgage.

A fair resolution will be for SLS to apply our principal payments to previously deferred interest until the current deferred interest balance of {$13000.00} is exhausted and report it accordingly on Form XXXX since XX/XX/XXXX when SLS took over our mortgage.

Thank you very much for your help with this matter.
I was a victim of Identity Theft, I did not apply for a mortgage, but when I overlooked my credit report I noticed I had a Inquiry from this company, and it was not me.
On XXXX XXXX, XXXX a due date change was conducted with Toyota Financial Services for my monthly car payments for my XXXX XXXX XXXX. It was changed from the XXXX of every month to the XXXX of every month. My monthly payments are {$450.00}. I have never been late on any of these payments and my contract gives me a 15 day grace period where no late fees or interest charges will be held against me. I sometimes pay the full amount on the XXXX or XXXX day, or I 'll split the payment in half and pay half on the XXXX and half on the XXXX or whatever date lands on 15 days. Ever since my due date change I started getting calls from Toyota Financial Services about being late or my payments not being received. Each time I would stay on the phone for an hour ( being bounced around ) explaining what my contract says and how my due date was changed. Each time this information was always confirmed and the call was always ended with an apology. I get these same phone calls at least twice a month. I then checked my credit report and saw that Toyota Financial Services reported a 30 day late marker to my credit report for the month of XXXX and XXXX. This greatly affected my credit score. When I called and asked them about it they admitted that they never updated my due date change in their system, which caused every payment to show up late. They once again apologized and said they would send a letter to all 3 credit bureaus on their behalf. The late marker for XXXX and XXXX was removed, but then I received ANOTHER 30 day late marker on my report for XXXXI called them on XXXX XXXX, XXXX to get this resolved and was once again bounced around on the phone for over a hour, just to hear a manager tell me " I honestly ca n't give you an answer as to why this is happening. '' This whole experience has been dreadful. Credit is everything and a company should n't have the right to keep reporting false negative marks. Especially when they ca n't even give you a reason why.
I filed a complaint XXXX some time around late XXXX or early XXXX against Wells Fargo Home Mortgage. This is in regards to my home that is in foreclosure. I have in good faith attempted to contact Wells Fargo bank in order to save my home. Wells Fargo has been deceptive in regards to my previous complaint as well as the whole modification process. So during the time that they are supposed to be working on a solution for me and my family to save my home Wells Fargo had a foreclosure sale date of XXXX XXXX, XXXX. I was never informed and never received anything in writing. In late XXXX I followed up with the lender as I had not heard from them and I was extremely concerned because I want to save my home. I was horrified to learn Wells Fargo had a sale date. I requested any and all information pertaining to my property. Wells Fargo faxed a copy of the trustee sale in a foreign language. It 's my opinion that Wells Fargo has never had any intention on helping us save our home. They have have not offered any solutions that many banks offer homeowners to save their homes.
It has been more than sixty days since my Chapter XXXX was discharged. Ditech Financial promised to release my account to regular customer service. They never did even after calling several times once every week. They raised my mortgage without communicating with me. When I sent the regular payment on XXXX XXXX, they did n't post it to my account. Also they reported my account as closed to the XXXX credit bureau.
Today, XXXX XXXX, they shared my personal information regarding a debt with my father without my permission. They also sent him an email to his email address regarding my debt. As far as I am aware, this is highly illegal since I am over XXXX.
I had nearly {$800000.00} in an investment account at Merrill/Lynch, and a home worth another {$800000.00}. After my financial advisor, XXXX XXXX at the XXXX S.C. office took over my accounts, I would up with a little over {$40000.00}, total. I was talked into taking out a mortgage and a line of credit I did n't want, and encouraged not to pay them off. When the market crash happened, I was left with the debts, and no capital to pay them off with.
I have an account with Southwest Credit Systems for XXXX with XXXX XXXX. This account is closed and is showing open on my credit report. The account also is showing incorrect charges. Ive tried to handle the issue with XXXX XXXX because they kept charging me when I no longer had the phone and was no longer a customer with this company. Ive requested for the incorrect information to be removed. This account was removed already and has reappeared.
I have an checking and savings account with USSA. My brother and I have a joint checking account, but separate car insurance policies. Ussa completed a ACH of {$170.00} from my checking account to pay my brothers car insurance without my permission. I spoke with Ussa customer service on XX/XX/2017 and they would not give me specific information about whom authorized with ACH of {$170.00} from my check account and where this {$170.00} was applied to. I pay my car insurance of {$58.00} each month from my checking account. I was on the phone with Ussa supervisor for more than an hour without getting detailed information about this transaction. I spoke with my brother and he stated that he did not authorize Ussa to completed any ACH transaction from my checking or savings account. Ussa stated that I could not sign a fraud letter due to my brother being on my checking account as the secondary on the account.
In the past couple months Ive called Naivent customer service in several attempts to be placed on hold at one time over 1 hour at a time to make reasonable payment options for my student loans. I feel like Navient systematically and illegally failed me at every state of repayment. I believe that Navient improperly directed me into forbearance causing me to acquire more debt. I was offered first a forbearance and I needed to pay a curtain amount which I paid, than later received a letter in the mail that stated that my loan was now delinquent. When i called i was told that the information that the previous associate provided was incorrect and they would not waive any of the late fees that I was assessed due the the negligence on their part. I was offered the income- driven repayment plan but was unable to make the payments provided. I also have previous late payments on my credit for a period of time I believe my loans to defer. I have reached out several times to attempt to have these issues rectified and the have gone unresolved. I am a single mother in a one income house hold. Im seriously wanting to purchase a home in the future and this is preventing me from doing so, I am reaching out begging for some sort of resolution.
I disputed these unauthorized inquiries months ago, however, the credit agencies investigation came back verified. Now I'm requesting the Method Of Verification, who verified these inquiries, and I'm requesting the physical documentation of verification or as stated in the FCRA, if not then these following inquires shall be blocked/ removed. 

1 ) XXXX  ( XX/XX/XXXX ) 2 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX/XXXX  ( XX/XX/XXXX ) 8 ) XXXX XXXX   ( XX/XX/XXXX ) ( XX/XX/XXXX ) 9 ) XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX) 10 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX 13 ) XXXX XXXX ( XX/XX/XXXX ) 14 ) XXXX XXXX ( XX/XX/XXXX ) 15 ) XXXX XXXX ( XX/XX/XXXX ) 16 ) XXXX ( XX/XX/XXXX ) 17 ) XXXX XXXX ( XX/XX/XXXX ) 18 ) XXXX XXXX ( XX/XX/XXXX ) 19 ) XXXX  ( XX/XX/XXXX ) ( XX/XX/XXXX ) 20 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 21 ) XXXX XXXX ( XX/XX/XXXX ) 22 ) XXXX XXXX ( XX/XX/XXXX )
Finance charges are not DECREASING on a consistent basis. Payments of {$90.00} per month are made to this account on the company 's payment due date, XXXX of each month. Automatic Payments are controlled by the company. Payments are higher than the minimum due. NO NEW charges. Have contacted the company by chat on several occasions and they do not acknowledge a problem. 
Finance Charge Statement Date Balance Monthly Daily Days XX/XX/2018 {$2100.00} {$49.00} XX/XX/2018 {$2100.00} {$50.00} {$1.00} XXXX XX/XX/2018 {$2100.00} {$49.00} {$1.00} XXXX XX/XX/2018 {$2000.00} {$45.00} {$1.00} XXXX XX/XX/2018 {$2000.00} {$48.00} {$1.00} XXXX XX/XX/2018 {$1900.00} XXXX
This account was opened by my ex-wife and it 's showing up on my credit file and ruining my credit.
In XX/XX/XXXX of this year I received a credit monitoring alert that Conn 's Home Plus had reported my account 30 days past due for the month of XX/XX/XXXX. This is incorrect. My account has never been over 30 days past due. I called them immediately and they stated that there was a processing error with their extensions that they granted me. I am in the process of restoring my credit and buying a house. The negative reporting has dropped my score by more than 40 points. I have been a loyal customer with Conn 's. This is unfair and not right. I have been so stressed out about the negative reporting.
There is an account opened in the year   XXXX   by an unknown person. This is fraud and was opened by someone who applied for this credit and maintained the balance while using the account. I have attached a letter directly from the legal department of the company to confirm that they said they checked the signatures on the account compared to my driver license and they do not match. Therefore confirming that this was fraud. I am requesting removal of this item.
My wife opened a TJMax credit card sometime XX/XX/2012 in order to save 10 % on our purchase goods., so we open the card at a 12.24 % rate on XXXX of 2012 they sold their credit company to a new bank called Synchrony Bank after that they jump our rate to XXXX $ %! I just call in and ask what my options were and they said that they did that to all customers Acc. I ask what they could do to lower my rate back, and said their was nothing they could do! Please help me to get my rate back to what we agreed upon or some form of help!
Nationstar became the more friendlier Mr. Cooper about 18 months ago. At that time was reporting trade line with all three credit agency, disappear when became Mr. Cooper. I have been trying to get the more friendlier Mr. Cooper to report trade line. They continuous send to research department with no results! This time they said they need a additional 15 days to come up with no solutions. Mr. Cooper XXXX XXXX XXXX XXXX XXXX, TX XXXX. XXXX.
Hello, I saw an offer for a SPG American Express card with a XXXX point sign up bonus. This offer is available only to those who have never had the card before so I had an online chat with American Express to confirm if I have ever had this card. I have been a client for 20 years so I can not recall every product I have had in the past. The chat representative told me " Please be assure you never had a SPG a personal SPG card '' and " so you can go ahead and use the bonus offer ''. Now months later I have not received my bonus. When I asked why, the reps tell me I had a card many years ago. When I showed what a previous rep said in a chat they launched an investigation on XX/XX/18. I have been following up every week as they suggested but there is never any new information. It's been long enough. The evidence speaks for itself and takes all of a few minutes to review and consider not months.
Equifax &   XXXX   XXXX   shows on my credit report I 've been denied credit as well as opening up a bank account. They mentioned to me these two show and do n't know why but I was denied.
I 've checked my credit report. And it shows everything is closed besides a student loan of   XXXX   who 's payments are current.
Why em i being denied as if I have some collection issues
For a second time, Suntrust bank has decided arbitrarily when to consider charges 'posted ' and by doing so overnight, charged their litany of fees simply because I did not have time to transfer money to cover it between the hours of XXXX and XXXX. Clearly their intent is to grab as much money as possible, but I will not stand for this theft. They need to either make their posting times consistent ( and have a way to see ALL pending charges ) or they need to cut these ludicrous fees which help no one but their own bottom line. 
Additionally, they charge a fee for transferring money from a savings account to cover overdraft ... which consequently leads to a greater overdraft and further fees. This is intentionally convoluted and complex so that customers do not have an opportunity to avoid these charges.
I have received numerous voice mails from Weiss and associates telling me that my financial institutions have been contacted and all of my assets will be frozen in the next 72 hours.
CFPB Complaint XXXX ( which is closed ). 
The company, XXXX XXXX XXXX indicated that the matter would be resolved by them by refunding to me the money that they had charged me for the debt collection. I received an email on XX/XX/2018, stating that the money would be refunded, and a letter XX/XX/2018 stating that the money had already been refunded.

As of XX/XX/2018 I had not received refund, and sent an email to XXXX XXXX with XXXX XXXX XXXX  requesting a response by XX/XX/2018. 

XXXX XXXX replied to my email on XX/XX/2018, stating that their refund department sent the money to my account on XX/XX/2018, and to check my account.

I had XXXX on XX/XX/2018 and was unable to respond until XX/XX/2018. 

I verified no fund received in my account, and emailed my response to XXXX XXXX on XX/XX/2018. My email was immediately returned with the message " address could not be found or unable to receive mail ''. I verified email address and tried two more times. All were returned immediately with the same message. 

The telephone number given in the letter goes to the wrong company ( a sister company ), and it is impossible to get through their automated system in order to reach a live person, to get me in contact with XXXX XXXX. 

XXXX said they would refund the money, and I expect them to follow through with their statement. If they attempted to send the money to the account closed due to fraud, which they are fully aware of, then they need to correct this matter immediately. 

This behavior is unacceptable. After everything they put me through, they are now going to not refund my money. There are thousands of complaints against this company. Countless of hours lost by innocent consumers. I do not understand how they are able to remain in business, with these very obvious unethical business practices.
Hello and THANK YOU for being a viable avenue complaints to financial institutions, I hope you can bring my particular issue to a person that can rectify it. 38 months. 38 months is how long I 've been trying to rebuild my home after a fire. Last month I have been issued an occupancy permit, so I 've moved back in with what little furniture I have left. My issue is with Ditech ( formerly Greentree ) Mortgage and the fact that they are currently holding on to about {$7000.00} in funds waiting for me to complete the home before they release them. {$2100.00} was the last check sent issued XXXX XXXX, and have been assured by my account manager XXXX, that this money will be sent for the XXXX for the portion of the project which he has completed. The only thing required is that the insurance company send something stating what the funds are for. I have no problem with this other than it took XXXX phone calls, several emails and calls left with XXXX direct report before I even got a response, then about 12 days after that, I get a call saying she needed the email from the insurance company. I 'm relaying this because this is a perfect example of what I 've been dealing with for ... ... .38 MONTHS. 
Now, after the {$2100.00} due to be released shortly there are XXXX aspects of the project that Ditech is holding on to ( for 4 months now ). I have sent in check from the insurance company for approximately {$5000.00} to finish the basement and to put on a rear deck to the home. I 'd need them to release this money. I 've made my mortgage payment for 38 MONTHS, put in excess of XXXX of my own money and easily XXXX hours of my own time into this project. This has run at a snails pace most of it due to the fact that I have to complete projects with my money and then submit for a reimbursement. I am working 60 plus hours in my regular job ( XXXX ) then trying to finish the last bit of this home and it ridiculously frustrating when I think about the money just sitting there waiting to be used, yet not released because they do n't trust me to use it for it 's proper intent. The tax assessment office has been by twice to reassess the property, yet can not due to the fact that I 'm going week to week finishing what I can with the funds I can direct to this project. Release the rest of these funds so I can complete this project. 
I 'm not interested in what your " procedure '' calls for. I fully understand the reasons behind it with rampant insurance fraud but this is not me. I 'm not leaving my XXXX home to run off with XXXX ... ..K? Please call or email me with notice on when this can be accomplished. Again, THANK YOU CFPB for this avenue and I 'll enter specifics later in this complaint. 

Regards, XXXX XXXX
I have 2 types of complaint - 1. US Bank 's Insurance Service Department has received a check issued me by my homeowners ' insurance carrier - water damage claim - and US Bank has been very unhelpful, slow, and somewhat secretive about how I can get them to release the money so I can pay the contractor. It now looks like they want the job to be 90 % complete and inspected by them before they release the first dollar. This is unfair, too restrictive, and very bad service. I'm XXXX years old and feel that maybe I'm being treated this way because of my age. 

2. I tried to pay extra principal to my mortgage account with US Bank today, and the website won't accept the money, and several US Bank representatives - I've talked to 3 - aren't able to explain why they won't accept my money. In my opinion, they are deliberately trying to discourage mortgage customers from paying early.
There is a collection account through a company I have n't had services with for a long time. My account was closed and paid for. This is unknown to me. I need this company to validate this
I tried on several occasions to get on a reduced payment plan but they would n't accept anything less than {$150.00} plus even when I was homeless and only income was {$0.00}. The repeatedly told me that even if I had no income at all that {$150.00} was the minimum they could accept unless I was XXXX and even then I 'd still have to pay.