WillisBack/dataset-financial-user-claim huggingface dataset:
Recent monitoring of my credit reports shows an account XXXX listed by enhanced recovery collection agent in the amount of {$1700.00}, from a original creditor, t mobile, i hereby dispute that this account is in error, unverifiable and inaccurate and should not been reported to the my credit reports, i have not receive any correspondence about this debt from XXXX or the collection agency verifying this debt and providing contractual agreement bearing my wet signature and identification. Reporting of inaccurate information from debt collectors to credit report is against the fair credit reporting act and i demand that this issue be addressed immediately, i demand that such report be removed from my credit reports immediately, i also demand verification of debt from the collection agent providing with the contract with the said creditor bearing my wet signature and identification and itemization that amounted to said amount reported on my credit reports, failure to do so will warrant a legal action for defamation of my credit report and unscrupulous means of collecting debt. The items reported to XXXX and any other credit reporting agency should be removed immediately.
I signed up for paperless billing, but never received any notification that my credit card statement was available.
I had a bankruptcy over 7 years ago. All other reporting agencies have removed it from my report. Equifax continues to carry it. There response was that it stays on for 10 years. Nowhere have I read that a personal bankruptcy stays on for 10 years. Why are they the only ones that continue to want to ruin my life. I 've paid for my mistakes and am trying to move forward but they refuse to let my past go. 7 years is n't enough ...
Please see letter dated XXXX/XXXX/15. My mortgage for acct # XXXX is auto draft each month. I paid XXXX XXXX XXXX XXXX tax XXXX/XXXX/15 from my checking account at Bank of America. I also paid said tax to the same school district, the same time for XXXX other accounts, no problem with the taxes paid for properties : XXXX XXXX XXXX XXXX XXXX Texas XXXX and XXXX XXXX XXXX XXXX Texas XXXX. 

Bank of America in XXXX 2015 started an escrow account and funded it with part of my loan payment thereby making my XXXX and each month after late. Please see list enclosed. 

This is affecting my ability to get a loan, Bank of America turned me down for a loan citing late payments on my credit report that they refuse to remove even though they wrote me a letter saying otherwise. I would like the bank to fix this immediately and post a letter at all credit agency and mail me the same letter certified for my files.
I SUBMITTED A CHURCH CHECK FOR MY HOUSE PAYMENT FOR XXXX 2017 AND THIS SERVICER INTENTIONALLY DESTROYED IT SO THEY COULD HAVE THE OPPORTUNITY TO FORECLOSE ON ME. THIS HAS BEEN PROBLEMATIC FOR THE LAST SEVERAL YEARS. IN ADDITION, THEY ARE CLAIMING THAT I MISSED MY XXXX PAYMENT, WHICH IS A LIE. THEY ARE WORSE THAN THE WORST. EVERY YEAR THE XXXX HELPS ME OUT FOR ONE MONTH OUT OF THE YEAR AND THIS SERVICER WILL NOT ACCEPT IT, WHICH IS ILLEGAL. I HAVE POSTED THIS COMPLAINT AND IT IS VIRAL AND WILL BE RECEIVING RESPONSES FROM VARIOUS. I WILL NOT ALLOW THEM TO INTIMIDATE NOR THREATEN ME IN ANY WAY AND ACTION WILL PREVAIL AGAINST THEM. 

THEY ARE PENNY MAC AND ARE A WHOLE SALE ONLY. THEY ARE NOT AN INSTITUTION AS THEY PRESENT THEMSELVES TO BE. THEY ARE FRAUDULENT AND THE SERVICES THEY OFFER ARE WITH BLOOD ON THEIR HANDS AND THEY ALL SPEAK WITH FORK TONGUE. THEY HAVE LAW SUITS AGAINST THEM AND THAT TOO, IS ON THE WEB. I WOULD NOT RECOMMEND THEM TO A SHARK. 

THE GOVERNMENT NEEDS TO INTERVENE AND CLOSE THE DOORS, AS THEY CONTINUE TO BE PREDATORS.
I received a credit alert dropping adding this account to collections. I was never notified of this bill being sent to collections. I had been in contact with the original creditor back in XX/XX/2017. I was advised due to self pay that I could be offered a discount for services. I was sent some paperwork and that paperwork was then sent back to the XXXX XXXX. 

I was never sent a bill for the amount in question nor was I notified that it was in delinquent status. I feel it is extremely unfair to have been billed to my credit report rather than giving me the opportunity to pay the debt. I have reached out to the collection company and have not got any help of prof of debt. I spoke with a supervisor by the name of XXXX XXXX. She refused to help me resolve the issue. Trans world only resolution is to pay the total amount due. The collection company that has added this derogatory debt is very rude and unruly, and unprofessional. I have tried to work with the collection company and I am not able to get resolution. I was told that it will continue to ruin my credit report ; even though I have not been notified.
My brother died on XX/XX/XXXX. I am the personal representative for his estate. My brother had a Capital One 360 savings account. Once I had Letters Testamentary from the MN court, I called Capital One and followed up with a letter to close his account and have the proceeds sent to me. The letter was dated XX/XX/XXXX. I received and deposited the check they sent me for the full amount of his savings account on XX/XX/XXXX. Now, my brother has been contacted ( at my address ) to verify his account or he will start getting paper statements again. On a closed account. With XXXX balance. Geniuses.
I was unaware of any collection regarding my previous cell phone provider, XXXX. I called XXXX and they told me I had a previous balance that was now in collections. I asked if it could be removed from collections which they agreed to do. I then proceeded to make a payment for the full balance of {$160.00}. 

I disputed with the XXXX reporting bureaus the accuracy of the collection being on my reports due to they did not have collection authority on the accounts. They came back as verified, and when I submitted payment verification, Receivable Performance refused to accept the documentation from the credit reporting bureaus. 

I proceeded to call Receivable Performance at XXXX and spoke to a supervisor who told me they would not remove it from my report. She confirmed that XXXX had taken the debt back. When I explained that Receivable Performance therefore did not have collection authority on the account, they should 've removed it from all XXXX credit bureaus. She said they would not do that.
I have been working on my credit and fixing it for over a year, to refi my car loan with XXXX XXXX that had a huge intrest rate. I got my credit to a XXXX and was ready to start looking to refi. Well I am a Wells Fargo customer and have had over XXXX in my account for months, credit card with them, saving etc. I got an email from them stating " good news since your good standing with us you have been approved for a refi car loan with us! '' I was happy and started the loan app online. Right when it said at the end, continue, submit or save for latter I hit the " save for latter '' button due to wanting to talk it over with my Husband first before continuing. Well the next day I got a notification that a hard inquiry hit my credit. I looked it up and it was Wells Fargo! I was so mad, my score went down to XXXX 's! I called the local Wells Fargo, complained, irate and mad and explained what happened. There was nothing they could do, since it was online. At that point I thought do I just go in and see what they can do, or take the hit on my report and go some where else. I was mad and did not want to use them, after they checked my credit with OUT my authorization! I went in and since it was already a hit and checking to see if I would qualify. I got a letter XXXX weeks latter stating that my credit was too low, and had to many collections ( I had not one thing in collections! ) So not only did they check my credit with out my consent, they fooled me into thinking I was already approved and lured me into filling out an app ( even though I did not hit continue ) its still pulled a hard pull and my credit dropped, I was never refinanced and now had to go else where to get credit pulled again to get another refi, with a lower score thanks to Wells Fargos deceit! I called, complained, and they can do nothing! This hard pull cost me XXXX points!!!! I never agreed to the hard pull, SAVE FOR LATTER MEANS, IM NOT CONTINUING NOW, I MIGHT LATTER!!!! It 's not right or fair! Please help me!
Company had enrolled me in payment plan. I had made or exceeded the minimum payment as shown on my monthly statement. Company reported a 30 day late mark despite this. Periodic calls to company resulted in being told account is fine/good standing/showing payments received. Upon identification of credit mark, escalated call to company and was advised was " speaking to wrong department as my account is in special program ''. Statements clearly show payments as follows : XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$200.00} Spoke to representative about amount showing past due on XX/XX/XXXX, XX/XX/XXXX statements prior to negative credit mark in XX/XX/XXXX. Was advised that this will continue to show since I am on a special payment program. 

Statements did not reflect past due amount in minimum payment due. Thus, statement incorrectly showed the true status of my account. Enclosed are statements for XX/XX/XXXX-XX/XX/XXXX,  which clearly depict the minimum payment, and the amount of payment made. 

Again, several calls made to XXXX XXXX during XX/XX/XXXX-XX/XX/XXXX about past due amount v. minimum payment due. Each time I was advised that this is due to my " payment program ''. 

Was wrongfully advised by customer service as well as statement documentation ( enclosed ). Payments were made according to the minimum payment due. 

Company refuses to acknowledge their misleading representation of my account status. This falls under Unfair and Deceptive as a UDAAP violation. The company did not act in a way as to their fiduciary responsibility to protect me as a consumer by incorrectly specifying the minimum payment due on my account.
Been called at least 5-6 times for the past 2-3 week before and after work. 
XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX Voicemails : XXXX XXXX/XXXX/XXXX I spoke with a representative called " XXXX '' for XXXX XXXX XXXX XXXX  XXXX and I asked him about his company name , address or business license, he was n't able to provide any information and said I was going to be taken off the list, and they were looking for XXXX instead. 

It 's fraud and a scam. Please be aware of this number.
There two reporting negative from Nelnet which is incorrect. ALL of my student loans are deferred and All consolidated through the US DEPARTMENT OF EDUCATION. I do not owe nelnet they were bought out by the department of education
After reading the article that I attached the hyperlink below, I 've realized of the many illegal actions that Navy federal Credit Union took against me during my time in the XXXX XXXX. Prior to me closing my accounts out of pure frustration with them, I received several letters threatening to contact commanding officers. This threat alone would have put in a situation where I would n't have been able to lead the men and women below me and likely end my career. I also was locked out of an auto loan, causing it to go over the 30 day late mark, even though I had called and paid it. 

Hyperlink below : XXXX
I applied for a loan of {$120.00} at the location on XXXX. After a month of deducting charges from my account to pay the interest, I went into overdraft, and each recurring charge for bills, including Speedy Cash, were returned. This continued until XXXX XXXX, when I finally did have money in my account. That day, I was charged {$200.00} by a company called XXXX XXXX. I did n't recognize the company, so I disputed it as fraudulent. It was n't until I contacted Speedy Cash that I found out who XXXX XXXX really is-their affiliates. Furthermore, they refused to refund the money, and XXXX XXXX did not reverse the charge. Then, on XXXX XXXX, I was once again charged the exact same amount ( {$200.00} ) ; this time the charge DID in fact say Speedy Cash. I went back to the location with a copy of my statement to confirm that they had charged me twice, and that I needed a refund. I was helped by a man named XXXX, who emailed my statement to the corporate office in Kansas to have the charges reviewed. Thankfully, the next day, I received a refund. However, I 'm still receiving calls from Speedy Cash, who are now claiming that I still owe them the amount that was refunded, because the charge from XXXX XXXX was returned to my account.
Dear CFPB, A little over one year ago in XX/XX/XXXX, we purchased a home via a mortgage with Wells Fargo. At that time the mortgage payment was set, along with the taxes and homeowners insurance which was to be taken in escrow. Our current monthly payment is {$5000.00} ( {$3300.00} principal/interest, plus {$1700.00} escrow ). This XXXX, we received an Escrow Review Statement indicating that WF was requiring an additional {$3900.00} escrow payment immediately, or they would be automatically increasing our monthly payment by nearly $ 600/mo starting XX/XX/XXXX. The WF analysis projected that inXX/XX/XXXXwe would have an escrow of only {$11.00} and hence why they were demanding an additional {$3900.00} immediately, or a substantial increase in our monthy payment startingXX/XX/XXXX. This does not make sense, as the terms of the mortgage havent changed at all since the initial determination of the payments over one year ago. In fact, the costs have gone down in this period via lower property taxes (! ) and hence our escrow should actually be lower than it is today. When I called Wells Fargo, they stated that escrow buffer is two months of escrow payments, which based on XXXX numbers would be {$3400.00} ( $ XXXX ). After one full year of our regular payments including XXXX homeowners insurance payment, eg the lowest point of the year - per the statement XX/XX/XXXX escrow balance is still {$5300.00} - well in excess of the minimum amount above. In addition to the above, we received notice that our XXXX property taxes were going down, and that our assessed home value dropped {$40000.00}, from {$830000.00} to a lower value of {$790000.00}. So our $ XXXX/mo escrow would seem that it should go down. Lastly, if you view the attached Wells Fargo Escrow Analysis, they are saying if we pay the shortage in full of {$3900.00}, the payment will still increase to $ XXXX/mo. Again this doesnt make sense, on what basis is WF increasing the escrow amounts in both scenarios, even where we pay the supposed shortage upfront? In sum, given that the monthly escrow amount was calculated by Wells Fargo in XX/XX/XXXX with full knowledge of the property taxes and homeowners insurance at the time of origination, there should be no justification for increasing our escrow requirement one year later. Homeowner insurance cost has not changed since this time, and property taxes have gone down vis-a vis-XXXX. Any assistance you could provide in resolving this matter would be greatly appreciated! Many thanks, XXXX XXXX XXXX
I received a gift card in XX/XX/2011 and went to use it and found out that I was charged {$3.00} per month repeatedly due to non-activity. I have researched this and found out that my state ( NV ) does not allow a fee higher than {$1.00} per month. When I called the company to ask about it they said that the federal law trumps state law, which to my understanding is not true when the state law provides more consumer protection then federal law. Please advise whether or not this is true because I feel they are fraudulently charging NV consumers thousands or more dollars per month. They claim it is legal because federal law says they can but XXXX says they ca n't.
In XX/XX/2015, i took out a XXXX personal loan from a company called Loanme. It was all done over the phone. Just 2 weeks ago, the loan company took the monthly payment of XXXX dollars from my account. I, sure that i had already paid off what they let me borrow, called the loan company. During that phone call i was informed that the interest rate for my loan was a whopping 135 %. I asked them to then send me documents with all the information regarding the loan such as terms and conditions. I have those now. I told them that my financial situation has changed since my hours at work had been cut due to me attending college. They asked me all kinds of questions regarding my weekly spendings and told me that they would be able to lower the monthly payments from {$290.00} to {$250.00}. The gentleman that was helping me informed me that they had sent me an email containing all the details regarding the changes to my loan account. He said i absolutely must sign that form electronically as soon as possible and to call him as soon as i did. He really made it seem incredibly urgent. I found it weird that i had not yet even signed anything with this phone company, and now they suddenly wanted me to electronically sign this online document. This document says that not only my monthly payments had been lowered, but that the interest rate had also been lowered from 135 % to 115 %. This was something that i was not told would happen during the phone call. All they told me was that if i did not sign and return the electronic document to the company via email, then the changes made to my loan would not happen. I find this all very suspicious. As far as i know, the maximum interest rate in the state of California is 10 %. I am more than willing to pay a legal interest rate. But this to me sounds a lot like theft. I would really appreciate the help and the careful analysis of people who possess a much greater knowledge on these issues. Thank You.
My wife and I have been XXXX and XXXX XXXX account members for a long time. We were notified last year that XXXX XXXX was no longer going to be XXXX 's credit card company and that we would be issued new accounts. We contacted and closed the account with XXXX XXXX. Apparently at some point Citibank created a credit card account without our permission, XXXX charged that account for a membership fee ( {$50.00} ) and in 3 months Citibank assessed {$70.00} in late fees on the account. Now after an attempt to reason with the Citibank they have sent a letter by someone named XXXX XXXX in their Security Department stating because the account was " transfered '' from XXXX XXXX not " created '' by Citibank we are responsible for it. XXXX XXXX states in the email this issue is closed, Citibank will no longer to respond to the complaint, and Citibank will continue sending statements until it is paid in full. XXXX XXXX does not provide contact information to reach out to him, and never have I been allowed to speak to anyone higher level than a customer service representative. I would like to know if Citibank is doing what XXXX XXXX has been doing and if there are others that are being extorted.
I sent a copy of the letter from the XXXX, XXXX XXXX XXXX that outlines their efforts to have the defaulted loans removed from my credit reports. This happened XXXX XXXX, 2016, but the reports have not been updated.
Lost my home to hurricane Florence in XX/XX/XXXX. at that time was with XXXX mortgage. unknowingly my mortgage was sold to XXXX XXXX XXXX. to which i was never contacted about and i have been trying to get my money to fix my house from them. So after wasting my time filing claims with XXXX for several months I find out through them that my mortgage has been sold to Flagstar. Flagstar claimed all i needed was a final inspection to receive 95-100 % of my money gave me an inspectors number to contact 2.5 weeks ago and person never got back to me or my contractor to set up appointment. after numerous calls ( at least 10+ ) by myself & inspector to Flagstar & inspector I find out TODAY that this specific inspector has been a problem and  was fired. why was this never relayed to me during my numerous contacts with Flagstar? several times Flagstar told myself & my contractor that we would be contacted within 24 hours by an inspector & that NEVER happened! The last being 2 days ago. Flagstar has not tried to rectify my situation while I have roofers & contractor to pay for work rendered & and unlivable home in which I have been displaced from since XX/XX/XXXX. I am at my wits end and am tired of being taken for a fool! I need my money & my home put back together. It is not my fault that this company can not get an inspector out to my property in a timely manner it is the companies fault! This is my money to which I need NOW so I can get back into my home! Please help me thke care of this situation! Thank You XXXX XXXX
Advertisement from lender below / Waving balance of loan for on time payments ... .Various Text Messages Received I fwd e-mails following up to lender as well additionally called but they do n't reply. 
This appears/apparently to be a scheme to continue monthly payments. 
Most recent i called to speak with a manger about the matter. The gentleman claims to be be a relationship manger stated he would have a manager call he knew nothing about the text. It have not happened of yet. Today I received a e-mail from : XXXX Relationship Manager.. I called immediately and they claim she was not in to review the matter. 
Text received : ( Spotloan ) Nice job making your 2nd payment! If you make the next 2 payments, you may get the rest of the loan forgiven! Reply STOP to opt out of texts. 
Reply - Wow cool!!! 
All Text and e-mails are saved for review.
I have contacted GM Financial to update my credit reporting. This account has not been updated since XX/XX/2016. The balance and payment histories are inaccurate and they refuse to update it. I have written to them and contacted XXXX in the message center.
On the XXXX XXXX XXXX I submitted a dispute to each of the major credit reporting agencies to report me being an identity theft victim. Despite the submission of all supporting documents required by the reporting agencies and the FCRA sec 605b for victims of Identity Theft, there has been no action taken yet.
I submitted complaint XXXX XXXX XXXX. I received this complaint closure letter today ( XXXX XXXX ) with the following text : 'We reviewed the complaint you submitted to us on XXXX XXXX, 2015. Although complaints can be submitted on behalf of others, the bank has indicated that it is unable to process the complaint without authorization from the consumer. No further action will be taken on this complaint. The consumer can submit a complaint on their own behalf by contacting us ' This makes no sense. I AM the consumer and I filed the complaint. Since filing the initial complaint, Diner 's Club has closed my account in retaliation.