WillisBack/dataset-financial-user-claim huggingface dataset:
I talked to XXXX numerous times about my credit card never coming in the mail to my P.O Box I never received my credit cards I paid my XXXX credit card for everything that I charged three reprsenatives have told me that XXXX would be deleted from my credit reports I disputed it with all three credit bureaus the only one that deleted it was XXXX need it deleted on my XXXX and equifax reports
Northland Group INC, stated if I pay them in full XXXX XXXX. 2016, they would remove this information off my credit. I paid in full they have not removed the information off my credit to this day, after many attempts. Northland is collecting for XXXX XXXX XXXX Reference # XXXX ph # XXXX.
I was making an online purchase with paypay. I am an experienced online shopper and proficient in computer systems and the internet. I did n't think I could be so easily fooled. I was trying to pay with the credit card I have on file and use for online purchases. Before I knew it I was being given paypal credit. I did not want paypal credit! I do not want any more credit! I do not want anything to affect my credit rating and do not want any searches of my credit history that could affect my rating. I have been diligent in my credit and do not appreciate the deceptive practices from a company that I have trusted before. Please advise how to correct this with paypal credit and my credit rating. I am not sure of exact date. It was last week sometime. I have been trying to figure out what to do and finally came upon this website. Thank you!
My husband and i are in the process of refinancing our home after 11 years. We just found out there are Big Issues for my score and it 's directly attributed to mis information reported by Wells Fargo.
First one : reported for  XX/XX/XXXX  : Spoke with   XXXX   XXXX  , Employee #  XXXX  who explained to me that our  XXXX  Payment did not go through, did not bounce, it simply did not get processed. She told me No late fee, No late posting would occur because it was Bank Error. Well, it did get reported as a 30 day late.
Second one : On my credit report, it showed that our  XX/XX/XXXX  payment was 30 days late, when I pulled the file from  XXXX , I found my husbands notes of speaking with Wells Fargo and they told him the payment did not get processed because of a wrong account number? But Wells Fargo does not ask us to give the account number because they store it. So again it was bank error and they supposedly corrected it. But it shows on our credit report as another late payment.
<P/>
We have our Conformation # 's on the date payment was accepted. This is impacting my credit score horribly. Plus, our other cards where we have never had an issue have dropped our available credit due to this and now it looks like we ran up our balances, when in fact we have been paying them down. This is horrible timing as we are trying to refinance our home and it looks terrible on our credit.
This morning I spoke with   XXXX   XXXX     XXXX  ext  XXXX . he is senior level management and is supposed to help me with this. When I called him back to say it had also happened in  XXXX , he was less friendly and more rushed me off the phone. but when we started he said to complain to the Credit Companies and sometimes it 's faster. Well, let 's hope so.
<P/>
Many thanks for your help and let me know what else you need!
I sent a dispute letter to Convergent Outsourcing ( creditor ) on XX/XX/2018. This letter stated that the information they provided was incorrect and the negative mark on my credit report was being falsely reported by them. I also asked in this letter for them to provide me with evidence bearing my signature, showing that I have or ever had some contractual obligation to pay them. 
A little over a week later, they responded with their " evidence '' and it was insufficient. The address that they had listed on the account was an address that I have never occupied. 
So, after receiving their letter I sent them a second letter on XX/XX/2018. This letter let them know that the information they are reporting is inaccurate and they have failed to show any alleged contract or instrument bearing my signature. I asked them once again to please show me any viable evidence that this account is being reported accurately, it has been over 31 days and I have not received a response.
I purchased jewelry at XXXX XXXX XXXX in XXXX XXXX, MN. with the understanding that I could pay it off in six months with no interest. Much to my surprise, I received a Wells Fargo Credit Card with the first monthly bill. I did not ask for and did not want a credit card. I have never used the card and have paid the monthly bills by check. 

I am submitting this information because I received an e-mail which I believe may have come from the CFPB asking if I have ever received a Wells Fargo credit card that I did not request or want.
The account XXXX XXXX was previously closed and removed from my credit report as of XX/XX/XXXX, I double checked on XX/XX/XXXX and it was Closed and removed the same day. How ever the Credit Bureau Transunion and XXXX have Reinserted this Unverified Collection that was previous deleted. I have written multiple documents to both creditors as well as contacted the collector who could not substantiate this collection which is why it was deleted it has been disputed and no help has resulted in 4 months Per 15 U.S. Code 1681i - of the FCRA ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 


Which was never done so this should be deleted as it initially was when it was not verifiable
I have reviewed my results from the investigation regarding the Nationstar/Mr. Cooper Account and I am still being reported inaccurately. The account is not past due, should say current, never been late and it's the showing the wrong balance. I am trying to get a loan to pay for emergency medical bills, but I can't due to this very delinquent account. Please correct my report as I have already waited over the 30 days and it was not done correctly. This inaccurate account was not corrected in the allotted 30 days, please delete this account from my credit report.
I am unable to get any type of deferment. I am unable to print a statement. I feel like at the time I got the loan, the school gave me the wrong loan product when I could have qualified for Pell grant, subsidized or unsubsidized loan at a lower rate. Navient ( formerly XXXX XXXX ) is my servicer. I am unable to print a statement from the website, defer payments or get a lower interest rate. My type of loans are FFEL (  private loans ). I am struggling a little financially and do not know what else to do. I was making even less money when I was attending XXXX XXXX XXXX college. I do not know if I was taken advantage of or what. My other larger loans are deferred. Navient is stating I do not qualify for deferment.
Care Credit miss reported me as deceased. I have called them several times to get this corrected. Because of the miss reporting, my credit scores across all bureaus went to XXXX while trying to refinance my current home loan, I was denied because of this. After several attempts to get it straight they seem to have charged off the debt I was trying to pay on time. Because of their error, I was not allowed to ever make a payment on my account as it was closed due to me being deceased. Now due to the charge off the only credit bureau reporting a score has dropped my score massively due to their error. I need help in recovering my credit scores. I also need them to remove the charge off from my credit. And they should be responsible for the remaining portion of the balance as I have lost out on several thousand dollars due to their error.
FCO ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Phone : XXXX Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify FCO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : FCO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
My bank refuses to prevent future payments to XXXX XXXX XXXX. They insist that the only way to fix this is to cancel my current card and have them send me a new one. 
For the past two months XXXX XXXX XXXX has tried to charge my account {$370.00} even though I no longer use XXXX XXXX XXXX. On XXXX XXXX XXXX charged my USAA Mastercard debt card {$370.00}. A few days later I contacted USAA and informed them 2 things : 1 ) this was an unauthorized charge and 2 ) USAA was not to pay XXXX XXXX XXXX any future payments from my account in the future. USAA said that it would be best for me to cancel my current card and they would issue me a new one. I told them that no, I 'd prefer to keep my current card and that they should simply just not make any future payments to XXXX XXXX XXXX. 
On XXXX XXXX USAA refunded the {$370.00} and I assumed that everything was ok. 
However, on XXXX XXXX, the same thing occurred again- XXXX XXXX XXXX charged my {$370.00}. I again called USAA and explained the situation once more. After and hour of hold time, discussions, and USAA telling me that the only solution was to cancel my card, I asked to speak with a manager. They submitted a request to a manager who just called me back. She told me several things about who the bank has a contract with Mastercard, how the bank could n't possibly predict what day XXXX XXXX XXXX would try to make the charge next time ( I responded that we should just assume it was going to be a weekday so please do n't let XXXX XXXX XXXX make the charge on a weekday- but also let 's include weekends just for good measure ) or how they did not want to interfere with the bank 's relationship with either the charging company ( XXXX ) or with Mastercard because that would then affect the relationship that all USAA members have with those companies. 
I then pulled up your website and we discussed its content. 
http : //www.consumerfinance.gov/about-us/blog/you-have-protections-when-it-comes-to-automatic-debit-payments-from-your-account/ This blog post refers exactly to what I 'm experiencing. 
By the end of the conversation " XXXX '' from USAA said that she would " do her best '' to try and solve the problem but again she said that most of the time the card needs to be closed and a different card number issued. 
I do n't want a different card. That would mean I do n't have a debt card for several days. Also, I would have to go through and reauthorize every company that makes validly receives payments from me. 
I 'd prefer USAA just obey the law.
Received a call and voicemail XX/XX/2018. They left the following message : '' This is a final courtesy call from the Weinberg mediation group. Before reporting that you've been uncooperative in the investigation against you. If we do not hear from either yourself or your legal representation today. We will be left with no recourse other than to report your non-compliance in this issue to the proper jurisdiction. Our office number is XXXX. Again that's XXXX. Thank you. Good day '' I have never received any correspondence from this group and did not return phone call due to the unknown. Did not know if they were a legitimate company. However, their tactics are inappropriate.
I applied for a loan modification earlier this year with XXXX XXXX XXXX XXXX. The modification process was being serviced by Bayview Loan Servicing. The purpose for my request for the loan modification is that my mortgage payment is {$770.00} with an interest of 6.750 %. I live on my Social Security and can not afford the payments. The bank is willing to adjust my mortgage by only {$84.00} per month while keeping the interest rate they charge at the same 6.750 %. 

The reason they gave was that I had equity in my home. They said my " loan to value '' ratio exceeded 80 % and they valued my house at {$100000.00}. I completely disagree with their valuation based on the appraisal that makes no sense to me. 

Their appraisal noted that I have a 2 bedroom, 2 bath home. They also showed that my home has a pool. Neither fact is true. I have only 1 bathroom. I live in a rural area.. The 3 comparable listings they used had either more bedrooms or more baths. Each would add value that I do n't have. They claim the average time on the market is 120 days. The 3 homes have been listed for 4 months, 5 months and the last one more than 7 months. Obviously the 120 day figure is inaccurate. These other homes all have more rooms than mine and are priced above {$110000.00}. But they have n't sold and their value should not be used as a barometer for what mine should be worth. 

Of the 3 comparable sales they used, only 1 property sold in excess of {$100000.00} ; the other 2 were at {$74000.00} and {$75000.00} respectively The {$100000.00} sale had a 3rd bedroom and was 1800 square feet. My house is only 1122 square feet. I 'm not sure why they would say my house that is significantly smaller would be valued at nearly the same price! 

Finally their report shows the condition of my house as good. I live in a log cabin. The logs need to have a varathane coating for protection every couple of years. I have not been able to do this. I have a septic tank that needs attention and the home has a well pump and pressure tank that has not been replaced since the house was built over 20 years ago. There is other deferred maintenance including tree removal and roof repair. I live in a mountainous area and have no central heat ... I use a wood burning stove for heat in the winter. 

None of this was factored into the evaluation of my home and the only house to sell over {$100000.00} is not nearly close to what my house is. The other sales make much more sense.
I have a bankruptcy listed in my credit files that Experian is reporting which is inaccurate and incomplete. The Federal Laws requires that the credit agencies provides mechanisms to ensure that each item on my credit report belongs to me and is accurate and complete. I have requested from Experian validation that is competent evidence bearing my signature, name, address and telephone of each person they have contacted to validate this bankruptcy and they have failed me. I have several letters from the Federal Bankruptcy Courts and XXXX which states that they DONOT report to the consumer reporting agencies and letters from XXXX which states that they DONOT have any records of a bankruptcy in their files for me. Yet Experian keeps telling me they have verified it with XXXX and I know they are not investigating.
I received an email offer for pre-approved credit card from CHASE Bank, i finished & submitted the application to CHASE and received a confirmation email states the following : From : " chase.applicationreceipt XXXX Date : XXXX XXXX, 2015 XXXXSubject : Thank you for your applicationThank you for submitting a credit card application to Chase. 
Here 's what you can expect next : We 'll let you know of our decision through U.S. mail within the next 30 days. Please do n't resubmit this application while waiting for our decision. 
If we approve your application, we 'll send your card and other important information to you by U.S mail. Once you receive your card, call the number on the sticker right away so you can take advantage of everything your card has to offer. 
If we do n't approve your application, we 'll send you a letter explaining why. 
Thank you for applying for a Chase credit card====================================================================Until today i have n't received any response or reply from CHASE, I called chase bank 2 weeks after receiving this email and was informed that i will receive a letter soon from them, then nothing came in the mail, i called again and requested the letter, the agent offered to read the letter for me, i asked him to fax it or mail it. Chase representative had no reason why to deny my application since i have perfect XXXX score & low DEBT/Income ratio. 
I still have n't received a decision on this application and it is has been more than 70 days. and my Refinance is about to fall apart because of CHASE. 
if i do n't submit these documents to my refinancing bank, i might lose refinance. 
===========================================================Response disputedRESPONSE Chase Bank Credit Card said : Explanation of closureWhen a credit card application is declined, we send a letter explaining the reasons why. I have enclosed a copy of our letter dated XXXX XXXX, 2015. The letter advises the reason for the decline is a " Previous unsatisfactory relationship with us or XXXX our affiliates. '' We apologize for the inconvenience, but we can not give a more specific reason. 
Comment : CHASE never sent me any letter on XXXX/XXXX/2015 because when I called on XXXX/XXXX/2015 I was told that no decision was made yet on the application HOWEVER I would like that letter to loaded to CFPB reply. 
ResponseWhen we were notified of this case, we sent you a letter letting you know we received it. Although we began researching your concerns right away, we need more time to complete it. Please expect a letter from us when we have an answer. Thank you for your patience. 
COMMENT : this is a lie you never sent me any letter in this REGARD, but I 'm entitled under FAIT ACT to receive the decision in writing, I WANT THAT POSTED HERE.
issue-1 Our loan was sold to Green Tree/Ditech in XXXX 2015. In the transfer, somehow, the monthly amount that we were to pay was reduced to an number that did n't replenish our escrow account. Ditech never notified us, and just recently sent us an " account evaluation '' showing that we are in the negative with our escrow, and raised our monthly payment by almost {$500.00} to start immediately. I contacted them on XXXX XXXX, filled out the online form to cancel our escrow account, and followed up with a letter, sent to the address their rep gave me. I got an email saying that they would review this and get back to me within 10 days. It 's been a month and no word. Our payment would be late on XX/XX/XXXX, so I emailed them in advance and let them know that I 've cancelled our escrow account, and would only be paying the principle and interest, then made that payment on time. Now, they took that money and put it into a " suspended account '', and charged me a late fee, as if I did n't pay at all. 

Issue 2- When we were first sold to Ditech , we only had the option to " XXXX '' or auto withdrawal every month. I choose auto withdrawal. Four months later, I get a notice of default, because somehow, they deducted less than the full amount of our payment, never notified me, charged a late fee, reported it to the credit bureau. I contacted my bank, and they have no idea why that would have happened. I paid the full amount due, and appealed to Ditech to waive the late fee and not report it to credit. They promised a written response within 30 days.75 days later, they denied XXXX requests. Meanwhile, I have paid the late fee XXXX times, and it is STILL showing on my statements. I believe that they have been taking that fee and applying it to the escrow shortage, but, again, never informing me. 

So, now I have a total of {$7000.00} and change due on XX/XX/XXXX. They have failed to cancel the escrow and are still charging for that plus XXXX late fees. I fully expect them to put me into default again soon.
Frost - Arnett Company keep calling my college daughter and will ask for me. They had no right getting my daughters call number from XXXX XXXX since the bill was n't for she. I am on a payment plan for {$25.00} they call me all the time before the corrected hours to call consumers. They wo n't give their names when speaking to me. There is never any notes! They demand to know my employers phone number but because I work in a XXXX I ca n't get calls. I want them to stop calling my daughter. They had no right getting her cell number. This has to stop!
My credit card was charged 2 times by a company called XXXX. I disputed both charges with the credit card and the credit card ruled that I should have to pay XXXX because XXXX offered to refund XXXX charge. I never agreed with XXXX 's pay 1/refund 1 offer and was never told why both charges were not refunded. In the dispute itself, I made a downpayment for 2 XXXX XXXX tours that were both 6+ months away. Several days later, my wife called and wrote many times to ask for a refund for both 2 tours. XXXX never provided any service or value for my money and only reserved the XXXX tours for XXXX business days. I should get a full refund for both tours OR I should be shown where it is written that XXXX may keep my downpayment in this circumstance.
XXXX XXXX XXXX keeps submitting a charge that i do not owe, nor can they provide any information on the charge of {$170.00}. Every time I ask for debt validation, it is moved to yet another collection agency.
The bank, Huntington Bank, had given me a wrong bank account number which caused my direct deposit to bounce back and my account to go into the negative. They charged me a total of {$280.00} on an overdraft of {$27.00} dollars that 's an almost 800 % interest rate. This is unfair half my check was gone and it was their fault to begin. 

I was given the run around for a week speaking to several customer service managers ; XXXX, XXXX and a Voicemail that was never answered by a XXXX at least that is what his out going message said his name was but when I called back he was non existent. 

This is unfair and predatory especially since it was their mistake
Company sent a letter to me on XX/XX/XXXX, of an amount of XXXX. XXXX I did not sign a contract with this office I did not know who XXXX XXXX XXXX is. I sent a certified validated letter to this company they sent me back one page and none of the items that I asked for. Also at the credit bureau the amount is {$350.00} two different amount showing this is messing up my credit please help me to remove this thank you XXXX XXXX XXXX
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card.