WillisBack/dataset-financial-user-claim huggingface dataset:
I have been disputing, reporting and complaining on the unfair, fraudulent acts of this company for almost two months. Commonwealth financial reported to accounts to my credit report and disputing them because they are not mine. I requested validation, which commonwealth financial has refused to provide me with LEGIT, LEGAL VALIDATION. I was only sent a letter with a hospital name a diagnosis code ( WHICH IF THIS WAS MINE IS ILLEGAL FOR THEM TO HAVE ANYBODY MEDICAL INFORMATION WITHOUT THEIR PERMISSION AND IS A HIPPA VIOLATION ) and two amounts. This is not VALID VALIDATION. Proof of VALIDATION include leases, promissory notes, credit card statement, Medical Consent, contracts with an original signature from the Original Creditor NOT the collection agency. After all the disputing commonwealth financial claim they are sending this back to the original WHICH IS A LIE THEY ARE STILL HOMDING THIS DEBT TO RESUBMIT TO MY REPORT, or resell this debt! This do not belong to me, and it needs to stay off my report.
i was contact by debt recovery solution on behalf of XXXX, about a bill that i owed them, i immediately contact XXXX because they used to be my carrier, when i called them i was told by XXXX to file a complain to you.i want that to be clear from my credit report.
On XX/XX/2015, I contacted Bank of America supervisor at the XXXX XXXX Branch regarding a HOLD placed on my XXXX Business Banking Accounts, Personal Accounts, My attorney XXXX XXXX required documentation to show a judgment based on the Levy. XXXX XXXX would not provide any documentation to support the levy. 
When I requested the phone number of a supervisor of Legal Department, he stated '' It was not public information '' Bank of America refused to provide assistance on these accounts that the levy was in dispute, and refused to provide information on the validity of the court judgement or levy notification. Several insufficient fees were placed on the account.
I keep getting phones from  Delta Management , foreign man : who calls just about everyday, home number, cell number and work number. I ask him who he is representing, cause I do n't owe anything to  Delta Management , but he refuse to say until I verify my personal information with him. I refuse to verify my information, cause once again ; I do n't know who he is representing. Also, I have had some of my social media ( facebook friends ) call me or text me to tell them that this man has been calling them to ask about me and my personal information. He would ask them where I work, where I live and do I have any other phones number to be contacted on. I do n't even see these people or talk to them on a regular basis and I felt bad that he has bothered them. So I did put a fraud report on facebook for this company.
I recently checked my credit report and noticed that Santander was reporting to XXXX  and XXXX. Previously I disputed this information with XXXX because I was not sent a certified letter ( ever ) or served with any letter letting me know that I had the option to buy back the vehicle or be set up on a payment plan. I was not given any notice of sale letting me know when and where the vehicle would be sold in order to redeem the vehicle. I was never given a post notice of sale of deficiency explaining that there was any adverse action or balance due. My rights were completed violated and Santander has never contacted me about this matter. I just stumbled upon it when I was looking into my credit report due to hearing about company breaches.

The information I was able to gather from my credit report is that the car was set for repossession XX/XX/XXXXin California and sold XX/XX/XXXX. Under the laws of the state of California UCC 9.506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Since I never received any type of notification this is in clear violation of my rights. This item was removed by XXXX  due to a dispute and it needs to be removed from both XXXX and XXXX as well.

There is another issue that I am seeing is that the reporting company Santander Consumer USA originally listed the past due amount as {$5900.00} in XX/XX/XXXX and this amount has increased incrementally since then to the total of {$9100.00}. I still have not received any verifiable information from the company about this and neither has XXXX.

I am requesting that this account be deleted because no copy of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle has been provided. The alleged claim of a deficiency and any continued collection activities, or continued reporting of this invalid claim on my credit reports is a clear violation of the FDCPA and FCRA.

Please help me.
I contacted equifax to put an alert on my credit about 4 weeks ago which is good for 90 days. I logged into XXXX and found my address was updated to an address I have never lived at in state I have never resided in. I would like to know what I can do to get the XXXX or XXXX fradulant accounts removed from my credit and what to do about finding the person who did this. I do have their address.
Wells Fargo Bank will not allow us to redeem points earned on our Wells Fargo VISA card without first opening an on-line checking account.
In XX/XX/XXXX Di-Tech reported to all 3 credit bureaus that I was over 30 days late on my mortgage payment in XX/XX/XXXX. I have emailed them twice with attached documents of proof as well as talked to customer service. I have also called all 3 credit bureaus. Di-Tech still has not corrected this. 
They have also taken payments and applied them to a " unapplied account ''. Instead of applying them to my mortgage payment as I directed. This happened XX/XX/XXXX. I wrote a separate check for late fees XXXX It was split up. Part put into a unapplied account and other towards the principle.
XXXX - XXXX of XXXX i experienced gross fee charges from my bank close to over {$1000.00}. After I discussed with bank to no avail, I was extremely careful since. Then in XXXX and XXXX of XXXX i made another mistake with a creditor, and incurred almost another XXXX USD in fees. When i spoke to their " customer support '' ... they simply acted like this was normal and my fault or my creditor 's fault. I asked the creditor if they were responsible and they pointed me back to bank being the massive fee collector. 
So, now, i have been on phone with " customer support '' last week and today regarding the magical invokation of atm overdraft protection they tell me I invoked 2 years ago. 
This time they only collected {$170.00} in fees from me in XXXX. 
However, i asked operator if they could mail me policy in print that lays out the criteria for suddenly acting on my XXXX request to " opt in '' to overdraft protection for my debit card ( without my knowing of it ) ... then using that sudden opt in status to steal 10 % of my income upon my auto deposit. 

In other words, in at least 1 year prior to this, i never noticed the bank using atm overdraft protection on my behalf and getting charged fees for it. 

I'm quite aware of my monthly balance and i feel direct and immediate repercusions from each fee they XXXX out of my auto deposit. 

So WHY did they suddenly decide to invoke atm overdraft protection ( instead of just declining transaction as in the past ) this last XXXX of XXXX, costing me {$170.00} out of my XXXX auto deposit? 

Also, why is there no escalation path with Bank of the West when customer service tells you excessive fees are the customer 's fault??? 

I am finally getting away from these thieves to a local credit union, but it's a shame they can get away with so much $ in fees by collecting them and blaming the customer when they speak up due to their excess fee charges upon single mistakes. 

It's quite clear : look at my account history and see that atm overage payments were not made until this last XXXX. If you look, you will not find atm payment and associated {$35.00} fees for MANY months prior to XXXX. 

I spoke to a branch magager a year ago regarding the many hundreds i was charged in fees and they simply don't care. At that time they never said I was " opted in '' for atm overdraft coverage. 

Why would I want atm overage coverage and volunteer to be charged {$35.00} for each instance. 

I would never have KNOWINGLY signed up for this ... regardless, WHY did it appear to be invoked for XX/XX/XXXX? 

I'm tired of the customer service telling me it's all my fault somehow. In other words, they have assured me all the fees they charge me are ligit. Feels like financial XXXX to be honest. 
cheers
I submitted information to Equifax at which they failed to respond to my investigation request. I filed a civil lawsuit against them because under the FCRA they are required to respond to my request within 30 days. They never responded to my request. On XXXX/XXXX/2015 I was awarded a judgment against Equifax in the amount of XXXX. XXXX for the fine and XXXX for court cost. I have been unsuccessful with getting a resolution from the company on the phone. I spoke to someone on Tuesday XXXX/XXXX/2015 and they advised that they would call me back in 24hrs. As of today, I have not been called back. I find it unfair that Equifax add negative information on one 's credit report once they receive it, but when someone disputes the information, they fail to respond. I also find it unprofessional of them not to adhere to a judgment. I have uploaded all the documentation that showing my request for investigation on my credit report along with certified mail and documentation that was provided from the court and a copy of the judgment.
I am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report. 

Capital One Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX
On XXXX/XXXX/15 I authorized a mortgage payment over the phone to XXXX for {$650.00}. I had an electronic payment scheduled to them on XXXX/XXXX/15. Due to my mistake I thought I cancelled the electronic payment but it was n't cancelled. XXXX received XXXX mortgage payments from me and should have only received XXXX the phone authorization.I have been attempting to get the one for {$650.00} returned. On XXXX/XXXX/15 at XXXX central timeI faxed the information I was instructed to fax to a supervisor name XXXX. I was told to call Tuesday XXXX/XXXX/15 to checkthe status. As of XXXX/XXXX/15 I have yet been able to get a reply. I have called 3 times a day since XXXX refaxed the documents to XXXX XXXX/XXXX/15 XXXX On XXXX/XXXX/15 on my XXXX call of the day I was told they needed a letter from my bank stating the XXXX payments were paid and would not be returned by the bank for insufficient funds. The letter was faxed from the XXXX branch manager stating this and payment to XXXX was cleared and paid. This was faxed to XXXX at XXXX pm on XXXX/XXXX/15. I called 3 times today XXXX/XXXX/15 and each time all customer service did was continue to send emails to the supervisor on my behalf asking the status of the payment being returned to me.She does not respond and has n't since this ordeal started.
I have an an account with XXXX XXXX Since XXXX of 2016 and have always done monthly payments of {$200.00} to them. I always call and send that exact amount every time and it never changes. Next thing i see i get a 30 dyas late on my credit report from XXXX XXXX on my credit report for {$11.00}. I do n't understand what was going on. i was never notified that there was a difference in the monthly payment that month or that there was a remaining balance. Money is n't an issue for me as i work very hard to pay all my bills. Now my credit is hurt over {$11.00}. I am asking out of goodwill if this can be adjusted and fixed so i do n't have a discrepancy on my report over {$11.00}, If i need to pay the {$11.00} or any other balance up front i will have no problem doing so. Please advise as i am shopping for a new home but now the underwriters are telling me that because of my late payment on my credit report it may not be possible.
BB & T does not accurately post/report my payments. My mother in law makes a payment at the beginning of the month, I make a second payment to cover the mortgage by the XXXX of the month. BB & T has reported to the credit bureaus that i have been late forXX/XX/XXXXand XX/XX/XXXX -- that is incorrect and has impacted my credit score by a 100 points.

I spoke to a representative and was told that because I make 2 payments BBT, BBT software does not record the second payment and my account is put into a late status. I find this disturbing, as I make my payments with in the 30 days, yet, I am being reported as being late. I should not be penalized, because BB & T software does not accurately reflect my second payment. I am meeting my commitment of paying within the 30 days.
on XXXX I went to XXXX to get my Virginia license, But the XXXX representative claim that I had a lien on my license, she said it was a judgment on XXXX, that I have to pay the debtors, that the the lien is {$27000.00} ... I was shocked that I told the XXXX there 's no way that I could come up with this amount and did n't even know where it was coming from, anyway I found out after calling the collection agency that it was an accident occurred on XXXX, that I was involved, I did not get a ticket, the police officer only asked me of my car insurance, so I gave him my insurance information ... after this incident, did not hear anything else about the accident. I moved to California, then come back to Virginia I contacted the collection agency and we both agreed to settled for {$7000.00} including all interest a payment plan of {$7000.00}, XXXX XXXX arranged a payment plan for {$150.00} anyway, this company continue to debit my account for XXXX months a total of {$12000.00} which they were over paid of {$5000.00} ... I contact my bank of stop payment to XXXX XXXX XXXX, which who is the collection company. 

I received a letter from this company asking me to pay more money, I called them XXXX XXXX, XXXX Iasked for XXXX XXXX XXXX, the receptionist told me she no longer employed then she transfer me to another representative who handle my account, I told her the debt that you claim I still owed is been paid, that we settled for the amount of {$7000.00} and that they owed me instead, of the amount of {$5000.00}. I told her that I only authorized of {$7000.00} I demand a full refund of said amount. she said that the settlement was not settled and she is now willing to make a new arrangement to me, this account was already settled, her replied was not settled, and she is propose to make a new settlement, anyway I told her that the settlement was made and they should honor it, and told her that I will not going to make new agreement period! 

I received another letter that they demand {$1800.00} of payment or they will call the XXXX of Virginia, if my payment was not received that they will have my driver license suspended now they are making threat against Va license, I think this is harassment they claim that this is outside of consumer that I ca n't complaint to the cfpb that XXXX XXXX nor XXXX in the context of claim is not a debt of my claim, Im confused, the original creditor who they are collecting is my present car insurance company, they now claim they renew my debt of my judgment that is now general district court, this is a very old debts that is almost XXXX yrs old, when the accident happened, I was not served to go to court, the police officer must gave them a wrong car insurance, I was insured by XXXX and still have insured by them, that my liability should been paid by them. I think this is conflict situation that the original client of where I have a car insurance with is XXXX, that they should have pay the damages, anyway I plan of retaining a lawyer, about this matter, this Company want to scam me for more money!
This agency ( Equifax ) has continued to report inaccurate information on my Credit File. They continue to report XXXX 90 days late payments of XXXX of my student loans serviced by XXXX XXXX. i have disputed this on numerous occasions but the agency claims they carried out a thorough investigation and found the reporting accurate. That is impossible. please review the attachments very carefully. I have never been late on these accounts, In the attachment you can see that i was never late in any of the prior months before and following months after the stated 90 days late payments. It is impossible for me to be 90 days late if i was never late in any prior months or months after the date claimed by these agency. I have called numerously to the bureau as well as the Company servicing the loans, despite all the evidences provided that shows that these company and Equifax continue to report inaccurate results on my report, they have refused to remove the late payments. This is a violation of the FCRA and by law they are required to remove both late payments on all the XXXX loans reported by XXXX immediately. I request this be removed from my file immediately. If this is not removed in the next 5 days, i will be forwardind all evidences to the Maryland State Attorney for further actions against Equifax for failure to comply with the FCRA. I will also take legal actions against Equifax and they will be liable for Defamation as a result of false reporting, which has prevented me from successfully obtaining a mortgage for my Home purchase for my family. Once again, review attachments carefully and delete both late payments on the XXXX loans immediately.
In XXXX and XXXX 2016 my bank account was hacked into a card was cloned and while in XXXX XXXX money was taken from ATMs across this XXXX XXXX area. XXXX XXXX took more than 92 days to investigate the issue in the into room since it is driven my account negative and caused widespread late payments and current bills affecting my credit they then reported me to ChexSystems even though I was a documented victim of fraud for account abuse. 

That inaccurate and irresponsible reporting of the debt owed to XXXX XXXX which was then later decided to be fraud in my favor its kept me from being able to do any normal banking.
This debt is paid in full for over a year but they are still reporting on my credit report no matter how many times I have disputed it it comes back as validate knowing that these debt are paid in full. Please look into this matter it is affecting my credit score and my personal and business life.
XXXX XXXX ( DOB XXXX/XXXX/XXXX ). Today on XXXX XXXX, XXXX I had called XXXX to follow-up on the process of my disputes. I originally contacted XXXX and wrote them a letter via mail asking them to dispute three accounts on XXXX XXXX, XXXX. They sent me a letter back on XXXX XXXX XXXX asking me to confirm my identity. The following day I sent them back a copy of my social card, a XXXX XXXX XXXX bill and a copy of my id in which they received it on XXXX XXXX XXXX. It is now XXXX XXXX, XXXX and I have not yet heard back from XXXX. As the Federal Credit Reporting law states- ( FCRA , 15 USC section 168 li : failure to investigate these accounts within a period of thirty days will result in a non verification which requires that the above accounts be immediately removed from my credit file. The lady that I spoke with was giving me the run around about an XXXX XXXX XXXX XXXX WA XXXX, which has nothing to do with the law. This address was reported to the Credit Bureau because they had to run my credit in order for me to stay here for the last six months. I have stated in my letter and on the envelope after XXXX XXXX I will no longer be residing there because my lease is up and due to this issue I will be homeless so all my mail is being forwarded to the post office. I have yet to receive anything from XXXX through the post office as of today and prior to today. Then I had asked to speak to the supervisor and she had hung up on me. Therefore, I am making a complainant and hoping that you can help me resolve this issue. Attached is my letter of the items that I want to be removed from my credit report immediately. 

Thank you, XXXX XXXX
Since its inception in XXXX, I have made monthly, on-time, payments on this loan, As of XX/XX/XXXX, 27 of those payments have had no amount applied to the loan principal. These interest-only payments total {$16.00}, XXXX. I have tried several times to get an explanation from Navient over the past 2 years, with no response from them. My latest attempts occurred today when I tried twice to send an email about this issue. Their website only responds with an error message that asked me to try again later. I tried reconciling the account using various amortization tables, but nothing matches their figures in any permutation. There is no reason that a lender would fail to apply payments appropriately to both interest and principal unless it is managed very poorly, or is a scam. Either way, I feel that Navient is ripping me off.
The lender received a loan modification package on XX/XX/XXXX - the docs provided is what the re-entry team at Wells Fargo requested to determine a new review on the file - We continued to follow up with the lender regarding the review - it was not until XX/XX/XXXX that we were advised of additional docs needed for the determination of a review - on XX/XX/XXXX the lender was provided with the requested info needed - we were advised on XX/XX/XXXX that the file had been sent to the second level review and if any docs are missing they will deny because we are in the seven day period and that they will not postpone the sale date. We feel that the lender is not reviewing the file in a timely manor and due to the 2nd level of review that the file is in, the sale date should be postponed for this review due to the Dual Tracking laws and the lenders lack of review and urgency of this file.
At the beginning of XX/XX/XXXX I contacted US Bancorp about changing my address since I had recently moved to another State due to the XXXX moving me. While on this call the banker informed me that my payment would change to a lesser amount due to lease laws being different from Colorado and that I should make the new payment for the coming month. I asked specifically if this would generate a 30 day late since my billing cycle had ended and the reply was no. Needless to say, I ended up with a 30 day late for XX/XX/XXXX. I did not receive an additional call or mail to inform me that there was an issue. I even looked at the application for US Bank and it had a zero balance throughout XX/XX/XXXX and up until the new payment generated for XX/XX/XXXX. I have contacted them countless times and disputed it with them as well as XXXX. They have denied my dispute twice. I have been on time without fail since the lease started.

I even asked for them to review the phone call from XX/XX/XXXXto show them that my story was true and a simple mistake was made on their end. They refused to listen to the recorded call that had the banker saying that all would be great and the 30 day late situation wouldn't happen. They even siad if it was their fault, they wouldn't fix it. They have no interest in making this right and I want everyone to steer clear of this terrible Corporation. This bank does shady business and doesn't take responsibility for their employee 's actions. 

Ultimately, if you tell a customer to change a payment and that it wouldn't generate a 30 day late which can be proven on a recorded phone call, they should fix the issue immediately. US Bancorp is not interested in helping the hands that feed them.