WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage was held by XXXX from XX/XX/XXXX until earlier this year when it was sold to Freedom Mortgage ( hereafter referred to as FM ). At the time of this transition, I received correspondence from FM confirming payments would continue through the equity accelerator program ( see attached correspondence ). I also called FM to be sure my payments have been received from XXXX. 

Within two months of FM taking over my mortgage, I began receiving letters from FM declaring I was delinquent on my account. I called FM and was told FM had received all of the payments from XXXX and there was no problem ; however, I continued to receive letters declaring I was delinquent on my account - AND YET WITHDRAWLS WERE BEING MADE AS THEY ALWAYS HAVE BEEN ( see attached statement from my Bank ). 
NOW, Im receiving letters from FM threatening foreclosure and my excellent FICO Score has been negatively impacted! 
I was finally able to reach XXXX XXXX and have ordered them to stop withdrawing payments from my bank account. Beginning with my XX/XX/XXXX payment, I will send my mortgage payments directly to FM. 
I have called FM repeatedly to rectify this situation to no avail and am now contacting the XXXX and credit reporting agencies.
I have disputed the late payment XXXX XXXX for months. XXXX   and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
original billing was with XXXX I told them to cancel long before billing I sent them notice they billed me anyway now the bill is in collection with a company out of XXXX not licensed in XXXX
You have reported wrong information in my report "  XXXX  Account #  XXXX   XXXX   XXXX  Account #  XXXX  ''  XXXX   XXXX  Account #  XXXX   XXXX   XXXX  Account #  XXXX  ''
I have had a Macy 's card since 2008. Unfortunately, I did not catch this fee, but they have been charging a credit pro fee on my account since I opened the card. I know that I never explicitly consented to this. I receive paperless statements and pay automatically each month so that 's why I did not see it. I have been charged $ 1.00- {$25.00} additional on each statement for the past 9 years!
I use a third party that I let access my bank account information. For my bank I use Key Bank and they have a option that lets you  turn 3rd party ac cess on and off. I have the option turned on, and have never had issue till about a month ago. I talked to my bank and they said there 's nothing they can do. I 've been doing this for a year now with no issues and now all of a sudden I have a problem. It causes a major hassle for my finances every month. All I would like them to do is look into the issue but they wo n't.
This complaint is in reference to information in my credit file. I recently received a copy of my credit report that Experian, XXXX or XXXX publishes and after reviewing it I found a number of items on my report that are inaccurate. Im terribly upset after finding out that my report shows a series of erroneous items. 

I understand that Experian, XXXX or XXXX should not be allowed to put an inquiry on my file unless I have authorized it. My credit reports showed credit inquiries that I did not authorize. I also have Extended Fraud Protections/Alerts placed on my credit files with my phone number listed requiring I be notified before my credit is accessed, that did not happen. 

The only inquiries from companies that should have had access my credit report are the following companies that I have authorized which are : XXXX XXXX, XXXX, XXXX and XXXX XXXXXXXX for my home loan. 

These multiple inaccurate reporting practices has caused me to be denied after applying for new credit lines & is ruining my financial stability. This is unacceptable & they are obligated by law not only to correct what is erroneously reported, but also to remove what should not be in my credit report. Time is an important matter to me, and each and every one of the items listed below needs to be removed. 


The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please have the credit inquiries that are listed below removed immediately from my credit file as they are unauthorized and are related to none of the aforementioned permissible : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) *This inquiry is 2 years old. 
XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Please remove all non-account holding inquiries from my credit report immediately as they are unauthorized!. 


I recently received a copy of my credit report from Experian, XXXX or XXXX   and after reviewing it I found a number of items on my report that are inaccurate and unauthorized. 
I have a Fraud Protection on my file so those inquires were not authorized by me. 
I advised Experian, XXXX or XXXX, to no avail.
I just simply want to place a Credit Security Freeze with Experian and it is impossible! I have an account with Experian and I am properly identified. I can access my credit reports and so on. However when trying to place a Security Freeze on my credit is like they do n't know me and the service is not being offered at the same web site as I regularly log-in to access my credit report. Nevertheless and after providing all reque sted information the web site responds with " We can not process your request '' you have to send proper ID thru mail ''. That is crazy and defeats the whole purpose of trying to place a credit freeze. I will never send that documentation via mail because is not secure. They offer another service to upload the documents online and it also fails even though I follow carefully the instructions. They are useless and they should be banned as a credit monitoring agency!
Enhanced Recovery has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
XXXX 2015. got a call from a law firm saying that I owed XXXX in back debt on a card from Providian bank, that I have never heard of nor ever applied for and they say that they are filling a bank levey to collect, called this number XXXX and the women did n't want to supply any paper work or anything else, in support of this matter? and said it was sent to me several times, which I have never gotten anything. I will not pay for a bogas account, I will fight this, I know these people are scamers
I took out a car loan of {$5000.00} from Wells Fargo XX/XX/XXXX. I have made monthly payments, including a {$3500.00} payment XX/XX/XXXX, towards the balance due under the loan agreement. I am disputing the application of my payments to unaccrued interest instead of principal. The amount that should have been applied to principal instead of interest over the past year is {$86.00}. I have called the Bank, I have gone into the Bank and talked with a loan officer, and I have written XXXX letters. The last letter I sent was on XX/XX/XXXX and I have received no response nor have they corrected the error. Is this the type of matter the BCFP can help me with? I am on Social Security XXXX and only make {$20000.00} a year, so this is a big deal for me while I 'm sure it is an insignificant one for the Bank.
Experian has my address as an office on my credit file XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I have attach a picture from XXXX maps of Experian errors
XXXX XXXX XXXX ordered something on XXXX internet and the chase bank operator said i had enough money in the account i ordered somthing from XXXX and i maid sure there was enough money in the chase acount the item was not sent i im pretty upset
I had a secured card with  Wells Fargo  for {$2000.00} which I deposited. Then they paid out a {$2500.00} fee to disputed account and after many attempts to refund my scammed money the bank refused to issue credit but instead charged me the money and used my secured money. It 's now being reported to the credit companies as a negative account for - {$2500.00}. This is fraud and they need to be investigated.
Collection companies trying to collect a debt that was fraudulently opened in my name. I am a victim of identity theft that started in XXXX. 
The common thread through all these collection companies is the original creditor : XXXX XXXX. It began with XXXX XXXX XXXX, XXXX saying they want to resolve an account with ( XXXX XXXX XXXX XXXX ) XXXX in XX/XX/XXXX, then XXXX XXXX XXXX XXXX in XXXX, then via text XXXX XXXX XXXX XX/XX/XXXX & currently Accelerated Financial Services XXXX XXXX XXXX XXXX. In all cases I have provided them with the police report numbers & informed them that I was a victim of identity theft & to quit contacting me. Today I find out from " AFS '' that the collections pertains to a company called " XXXX XXXX  '' whom I have never done business with.
General Revenue is the company that bought my debt from Indiana XXXX University. I 've made several attempts to simply see my balance on paper or the internet and have called to find out where I can see this information. I spoke with XXXX XXXX when I called they 're company and he refused to help me locate the login section of their website and would not send me a letter. He sarcastically remarked that they 've sent me numerous letters then said he would transfer me, only to mute the phone and leave me with silence. I just want to see how much I owe and set up a reasonable payment plan but I can not get anyone there to help me.
My husband, XXXX XXXX XXXX, recently passed away. He has a checking account with Wells Fargo bank. In 2013 my name was also on the account and for personal reasons we decided to take my name off from the account. I went with my husband to the bank to do this. My husband requested that I remain on the account as beneficiary only. When I went in with the Cert. of Death and all necessary paperwork ( even marriage cert. ) to close his account I was informed that my husband had no beneficiary listed on his account. Clearly this was an error made by the person who handled taking my name of from the account in 2013. They neglected to list me as a beneficiary. I was told I would have to go through probate to claim the account. There is only $ XXXX.- {$60.00} remaining in the account. Probate would likely cost me more than that. Although, to many that is n't much money, I am alone in Florida with no money right now. It is important to me. My husband had been XXXX and unable to work for about a year and I cared for him. I am eating with an EBT card and only receive $ XXXX./ month Social Security. Unfortunately, in the absence of my deceased husband, there is no authority at the bank to correct the error made in 2013.
Originating phone # XXXX Return Phone # XXXX We received the a call today, XX/XX/18. This company is apparently trying to collect a debt from a family member. 

We have not been responsible for the debts or activities of that family member for over 15 years. 

I was told that that the only way they would know about that is if we called them back. 

I believe that they trying to embarrass that family member.
ATT OPENED AN ACCT IN  XXXX   XXXX . THIS ACCT WAS WAS OPENED FRAUDULENTLY WITHOUT PERMISSION OF MY INFORMATION. IT IS A CASE OF IDENTITY THEFT. THERE IS NOW A BALANCE SENT TO COLLECTION THAT IS HURTING MY CREDIT REPORT AND SCORE. I AM CURRENTLY TRYING TO FINALIZE A HOME LOAN AND AM UNABLE TO DO SO.     I CONTACTED  XXXX   XXXX / XXXX / XXXX  AND REVEALED THAT THIS ACCT IS NOT MINE. I WAS TOLD THAT THERE WAS AN INVESTIGATION ON IT DUE TO FRAUDULENT ACTIVITY. HOWEVER IT WAS CLOSED. I ASKED FOR IT TO BE REOPENED AND INVESTIGATED TO HAVE IT REMOVED FROM MY INFORMATION AND PULLED FROM COLLECTION. I WAS TOLD IT WOULD TA KE 5-10 BUSIN ESS DAYS TO BE RESOLVED.     I FOLLOWED-UP WITH A CALL TO   XXXX   ON  XXXX / XXXX / XXXX . THIS TIME I WAS TOLD THAT IT WOULD TAKE 21 DAYS TO BE RESOLVED. I TRIED EXPLAINING THAT I WAS TOLD DIFFERENTLY THAT IF THERE WAS ANYTHING TO BE DONE TO EXPEDITE IT SINCE IT WAS EFFECTING THE HOME LOAN PROCESS. " NO '' WAS THE ANSWER, UNWILLING TO EVEN BE FORTHCOMING IF ANYTHING COULD BE DONE.       Collection Agency   XXXX   XXXX   XXXX    O riginal Creditor   XXXX   XXXX     XXXX  Opened Date  XXXX   XXXX ,  XXXX  Balance {$3600.00}
In XXXX, I applied for a Citibank Citigold checking account using their promotional code XXXX on my application. This offer promised XXXX XXXX bonus miles after opening a new consumer Regular Checking account in The Citigold ( R ) Account Package and fulfilling their necessary requirements of Qualifying Debit Card purchases and Qualifying Bill Payments in consecutive months. Along the way, I continuously checked in with Citibank representatives ( through their online chat system ). Initially, I simply checked in XXXX XXXX/XXXX/16 XXXX to make sure the promotional code was indeed associated with my account. And I received written confirmation that if I did fulfill all the requirements, I would get the bonus. ( Please see 'Citibank Conversation XX/XX/2016 ... ' attachments. ) After that day, I continuously checked in to make sure I was on track, and I got the final confirmation on XXXX/XXXX/16 that I had indeed fulfilled all of the requirements. ( Please see 'Citibank Conversation Proof that I fulfilled.. ' attachments. ) I had been told that the XXXX bonus miles will be credited by Citibank to your XXXX account within 90 days from the end of the statement period in which you complete all offer requirements. So, I waited 90 days, and I still had n't received the miles. I checked in with a Citi representative, who told me he could n't help me but someone would get back to me within a few days. After a week, I tried again. ( By this point, I had been charged repeatedly for the maintenance of the Citigold account, losing that monthly fee money each month. ) The representative created a case number for me and again told me to wait on reply. Finally, on XXXX/XXXX/16 I was told that I was ineligible for the miles since I was not specifically targeted for the promotion. At this point, I am very frustrated because not only had I took the time and energy to open the account and fulfill all the requirements specifically for this bonus, but I had been told repeatedly by Citi employees that I was on track to receive them and that the promotional code was associated with my account. I am also out money taken by Citibank for the fees I would not have been paying if I had n't been trying to get this promotion. 

We sincerely appreciate you taking the time to investigate this on our behalf! We tried to do our due diligence along the way to ensure everything was in line with Citi, but it is clear they are going back on their words. Thank you so very much!
Fair Collections and Outsourcing is reporting that I have an outstanding debt owed to an apartment community for {$7500.00}. I acknowledge that I do have a liability with the apartment community, but I strongly disagree that it is {$7500.00}. I have requested a detailed itemization of the charges from the collection agent on multiple times, but they will not provide this information. I feel as though they are withholding this information, because they can not justify the collection amount they are reporting.
I want the company to send me proof that each account on my report is actually mine. I asked the company to do so, but they failed to respond to my matter
My concern is about how Transunion reports a BK episodes, in particular the following accounts : XXXX ending in XXXX " In chapter XXXX bankruptcy '' date last reported XX/XX/XXXX ; XXXX ending in XXXX " In chapter XXXX bankruptcy '' date last reported XX/XX/XXXX ; XXXX ending in XXXX " In chapter XXXX bankruptcy '' date last reported XX/XX/XXXX. I have filed a telephone dispute re : this matter today XXXX/XXXX/XXXX at XXXX PST with Trans union ; spoke with representative XXXX for 27 minutes. 
Of note XXXX and XXXX reported my BKs in XX/XX/XXXX and XX/XX/XXXX when I filed. Does Trans union operate on a different set of rules?
Recently, my mortgage was sold from XXXX XXXX to Home Point Financial ( despite similar names, there is apparently no connection to one another ). After having received notification that my mortgage was sold, I immediately went online to create an account and added the necessary information for automatic, recurring monthly payments to be made. Shortly thereafter, I received a letter from Home Point stating that they had a system glitch which accidentally reported to the credit bureaus that I was late on a mortgage payment. When I called for explanation, I was assured that it was taken care of, and that I would not be negatively affected in any way. Not long after this incident, I started receiving threatening letters claiming that I had neither personal property insurance or insurance for my condominium association at large ( both of which I indeed had ). Upon receiving this letter, I called and was instructed that during the process of aquiring my loan, it was my responsibility to provide proof of insurance. Immediately, I sent the proof of insurance both for myself and for the condominium association ( which was not easy to obtain ). A month later, I received another threatening letter stating that because of my failure to provide proof of insurance ( which I had indeed sent over the month prior ), the mortgage company would purchase insurance on my behalf, which would amount to {$23000.00} annually ( as seen in attached document ). Completely distraught over what I was reading, I called Home Point Financial the same day I received the letter, XX/XX/XXXX, and spoke to an employee whose name is XXXX XXXX ( according to another employee with whom I later spoke ). This employee very rudely and harshly exclaimed that I had not sent over the proper documents ( though it was later confirmed that I did, in fact ), and that she would correct the situation after I re-sent the updated insurance documents. Despite having sent over ( now multiple times ) proof of my personal home owners insurance and proof of the condo insurance policy, on XX/XX/2018, but dated XX/XX/XXXX ( just two days after having spoke to XXXX XXXX and sending once again all applicable documentation ), I received a letter stating that the company went forward with purchasing an insurance policy in the amount of {>= $1,000,000} in my name without any written or oral consent or knowledge on my part ( as seen in attached document ). Once again, I called Home Point financial, this time speaking with an employee named XXXX, who apologized and assured me that this policy, which was taken out in error, would be cancelled. On top of this entire debacle, XXXX informed me that Home Point did not properly notate ( upon purchasing my mortgage ) that my loan is indeed set up for Escrow payments, now causing my property taxes and home owners insurance policy payments to be delinquent.
To whom it may concern, This debt was on my credit report in the past under another debt company " XXXX XXXX '' I continued to dispute this debt Its not my debt the utilities were being used by someone else after I left that apartment someone was stealing the electric so I was billed for it service was terminated. Now after disputing this several times it was off of my report so I'm like it's about time they believed me and fixed the issue so now it's back on my credit report under another name XXXXransworld systems Inc. and once again here I find myself disputing it once more I want this rectified This company like the before mentioned company has no idea what happened and why I am adamant about not paying what I don't owe.
I contacted the company and was given the run around about I opened it in 2009 and paid it but now it came back. Tried to asked for documentations but they stated they dont have it
My mortgage loan stated with XXXX and was quickly sold to XXXX XXXX XXXX who just sold it to Carrington Mortgage Services. XXXX had applied and according to the letter they sent me on XXXX XXXX, 2015 that HUD had approved discontinuing MIP. They sent me a letter stating my annual escrow review had been done and my escrow payment was {$190.00} but was going down to {$100.00} per month. I made my XXXX payment through an Escrow company and the check was cleared XXXX XXXX, 2015. I received a letter from Carrington stating no monies had been received. I verified with the Escrow company that the payment had been made and cleared and then contacted Carrington. I was again told no monies were received only after a lengthy discussion did the customer service rep finally admitted they did have the payment. She stated it not applied because they the amount was insufficient according to their records. I shared all the dates and statements I had received from XXXX and was told that she was just trying to keep me from being foreclosed on. She also told me not to talk but to listen to her because if I did n't make a payment right then the rep would not help me. She also tried to make me pay the entire payment until we had another long discussion that they had the entire payment less {$85.00}. She accepted my checking information and only after she had it did she inform me there would be a {$15.00} fee payable to XXXX XXXX. Giving the media attention regarding issues with XXXX XXXX I objected and was told I had no choice. I asked how this could be resolved and was informed it was up to me to provide Carrington with all the documentation including those sent by Carrington. She gave me a phone number to the research department that turned out to be a non working number. I also asked to speak to a supervisor on several occasions and was told no each time. She took my phone number and said a supervisor would call it has now been XXXX days and no return call. I was also informed by a XXXX customer rep that all the information regarding the MIP and escrow changes were provided to Carrington. He also refused any assistance stating they had closed out the loan so it basically was n't their problem. When I spoke with the Carrington customer service rep she informed me that she found no such records, Ironically on XXXX XXXX, 2015 Carrington issued me a check for a Escrow refund, my question is how did that happen? I have read numerous complaints from individuals who had their mortgages sold by XXXX to Carrington and a vast majority report numerous issues with Carrington. This is a FHA loan and the government needs to investigate this company and it 's practices. Thank you.
Someone applied for a credit card using my social security number in XXXX XXXX, CA. They put a stop on the application because I called but they would not give me the information put on the application without a subpoena. We have reason to believe we know who committed the fraud as there is a current felony case against him. The company is not pursuing any legal action against the fraudulent behavior and will not give me the information even though my social security number was used.