WillisBack/dataset-financial-user-claim huggingface dataset:
The Comments in the REMARKS Section Placed by XXXX XXXX on my Credit Report are Wrong and Inaccurate and Need to Be Removed. 
Please Remove : PAYMENT MADE AFTER CHARGE OFF/COLLECTIONS PAID PROFIT AND LOSS. 
1. My Acct WAS NOT CHARGED OFF OR SENT TO COLLECTIONS. PAID PROFIT AND LOSS.

2. I AM ACCUSING XXXX XXXX OF DELIBERATELY AND PURPOSELY GIVING ME WRONG/INCORRECT INFORMATION ON OUR RECORDED PHONE CONVERSATION ON XX/XX/XXXX. 
I WAS TOLD BY 2 EMPLOYEES THE COMMENTS ON THE REMARKS SECTION OF MY CREDIT REPORT WILL BE REMOVED BECAUSE MY ACCT HAD NOT YET BEEN CHARGED OFF. 
3. PLEASE REMOVE ALL COMMENTS IN REMARKS SECTION. 
4. PLEASE LISTEN TO VOICE RECORDING OF CONVERSATION ON XX/XX/XXXX. 

THANK YOU
On XX/XX/XXXX, I submitted a payment for my XXXX XXXX XXXX in the amount of {$13000.00}. US Bank only credited me with a payment of {$3700.00}. I contacted US Bank by phone on 2 occasions, and by e-mail on at least 3 occasions. They consistently deny that they received a check for {$13000.00}. I contacted my bank ( XXXX XXXX XXXX XXXX - XXXX ) to confirm that US Bank presented the check for payment, and that the payment has cleared. XXXX stated that US Bank presented the check 3 times for payment - the 2nd time due to stating the amount incorrectly the 1st time apparently. XXXX was unsure why they presented the check a 3rd time, but does confirm that US Bank received the payment of {$13000.00}. US Bank has had my payment for over 2 weeks, and  so far has refused to acknowledge this, and has provided no assistance during my multiple contact attempts as far as I can tell.
Unrecognized charge. Multiple claims to Synchrony bank and XXXX ( that withdrew the money ) to give my money back had no result. They keep the stolen money
I received a letter from Credit Collection Bureau ( a debt collection company ) in XXXX of 2016 about a alleged debt that I allegedly owe. 

On XXXX XXXX, 2016 I sent Credit Collection Bureau a certified letter requesting validation. The tracking number was : XXXX and it was via the United States Postal Service. They received my Debt Validation letter on XXXX XXXX, 2016. 

After receiving my letter, they have failed to send me validation as requested by myself per the Fair Debt Collection Practices Act ( FDCPA ), yet they have continued to contact me via phone about this alleged debt. According to the FDCPA, any contact or collection efforts absent validation is strictly prohibited and punishable for a {$1000.00} fine " per occurrence ''. 

I 've been contacted at least twice recently ... On XXXX XXXX, 2016 at XXXX I was contacted by XXXX XXXX with Credit Collection Bureau XXXX The call originated from the phone number of XXXX. I was also contacted again on XXXX XXXX, 2016 at XXXX, again by XXXX XXXX from the same phone number mentioned above making it two occurrences that they have practiced prohibited collection efforts.
As I anticipated, BMO Harris Bank added a late fee to my bill this month. My mother called on XX/XX/XXXX to make payment for me and they were going to add a XXXX charge for paying over the phone. There is also a charge to pay online. They told her the only way they would not charge was if she sent a check. So she did send a check that day for the payment amount. I kept checking online to see if the check had been applied to my account but it was taking longer than I thought. My mom said the money was still in her account as well. I kept trying to get in contact with BMO as I anticipated they would add a late fee if the payment was not made by XX/XX/XXXX. The check definitely arrived by XX/XX/XXXX as it was sent first class normal mail. That never takes longer than a few days. BMO decided to add a late charge anyway. This is not right. They want to charge people to pay them no matter how people decide to do it - whether the service fee for over the phone or via internet, or whether a late fee for sending a check. In addition, now it says my account is in default when it really was not. This sets me back from being able to get online access even more. These are absurd practices done by a giant corporation trying to take advantage of the little guy.
This is a complaint against fraud by company that originally advertised itself as " XXXX Serum '' and later acted under different names such as XXXX, XXXX, XXXX ..., XXXX, etc.. 

XXXX advertised themselves as an internet store specializing in cosmetics beauty products. My first and only purchase from XXXX was made on the internet through their web store at XXXX on XX/XX/XXXX, for a sample of skin serum for an amount of XXXX, ( plus a shipping charge ). This purchase in no way indicated any contract engagement. The purchased product was shipped and received timely. The fraudulent activity followed shortly in the form of several charges on my credit card that were done surreptitiously, without my authorization. 

Since the charges were completely unexpected, I did not spot them in my monthly bank statements until two months later, and upon scrutiny found all of them. Here is the list, as complete as I can infer from the monthly statements : 1 ) XXXX XXXX XXXX XXXX {$4.00} 2 ) XX/XX/XXXX XXXX XXXX XXXX {$3.00} 3 ) XX/XX/XXXX XXXX XXXX XXXX {$1.00} 4 ) XXXX/XXXX/XXXX XXXX XXXX VA {$99.00} 5 ) XX/XX/XXXX XXXX VA {$89.00} 6 ) XX/XX/XXXX XXXX XXXX XXXX {$99.00} 7 ) XX/XX/XXXX XXXX XXXX XXXX {$89.00} 8 ) XX/XX/XXXX XXXX XXXX XXXX {$99.00} 9 ) XXXX XXXX {$89.00} Items XXXX-XXXX above are related to the first and only purchase I made, and I do not wish to dispute them. Items XXXX-XXXX, on the other hand, represent the fraudulent activities. 

Also, ( I believe in an attempt to justify these above charges ) the company made XXXX small shipments on my name, that contained XXXX small containers with net weight of XXXX ounces, of something called " XXXX '', that to this day remain sealed. If the company wants them returned, I will ship them back, by all means at their own expense. 

I made an attempt to dispute these charges though my bank ( Chase - credit card issuer ) that negotiated with the rogue company on my behalf. As a result, XXXX XXXX XXXX XXXX ( I guess this is one of the names they go under ) condescendingly issued a refund : 10 ) XXXX/XXXX/XXXX XXXX {$89.00} and considered the matter closed. 

On XX/XX/XXXX I received an email from XXXX XXXX where they wrote, among some less significant lines : " we have marked your request as resolved ''. 

This was followed by another email on XX/XX/XXXX where they stated : " Your account has been put on Black list status and we can no longer assist you with any of your account details ''. 

So it seems I have exhausted all my options in trying to get a full refund. This is why I ask for your help. 

the means to contact the company ( s ) are : 1 ) XXXXXXXXXXXX 2 ) XXXXXXXXXXXX 3 ) : Shipping Department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX I not only wish to get my reimbursement, but would like for this company to be marked under anything from marketing to wire fraud.
I just got a bill in the mail saying I owe money to merchant XXXX XXXX, seller XXXX XXXX XXXX XXXX, original creditor XXXX XXXX XXXX XXXX and creditor to whom debt is owed Portfolio Recovery Associates, LLC balance said to owe XXXX. I have no clue what this is and I know I don't owe this I have never had a credit card ever I didn't want the issues that come from having a credit card and if this is a medical debt of some sort I am on Medicaid insurance thru XXXX XXXX XXXX XXXX. The account number for all of this is XXXX Last four of my social XXXX Birthdate XX/XX/XXXX
Hello i recently made a request to have my credit reporting updated with correct information for my previous Mortgage lender XXXX XXXX. No resolution was made and I even contacted them directly with little response. XXXX is currently reporting my mortgage status and or my amount owed incorrectly. I am a XXXX veteran of 13 years XXXX and still ca n't get a resolution for this issue. On XXXX credit bureau it still shows open and reporting past due each month when the home was sold at public auction for XXXX back in XXXX 2012. My credit report still reflects that i owe the full amounts for the following bureaus Experian XXXX account closed XXXX XXXX account open over 120 days past due still being reported
I signed on XX/XX/XXXX with him to buy a house that i had fell in love with. He said usda loan, 0 % down and very little out of pocket. For the next 3 weeks i couldn't get in contact with him or his lending partners. When i finally got ahold of him they were rushing to get the paperwork and everything so they could get started. I paid XXXX for inspection and XXXX for appraisal. I had XXXX ready to insure it. XXXX called my insurance agency without asking me and had my deductible raised from {$1000.00} to {$7500.00}, he also told me he was buying my rate down for an extra $ XXXX- {$400.00} which ended up being XXXX. He had me locked in at almost 5 % interest on the loan. So when it was all said and done i needed {$4800.00} at closing and my sellers {$2500.00}. We went through 5 different closing dates on a 30 day closing. The whole process was lies and seemed to be a scam of some sorts. Now I'm out the {$800.00} i put up and they managed to run my credit 3 times and drop my score significantly.
I previously filed CFPB complaint # XXXX about WELLS FARGO HOME MORTGAGE. Wells Fargo basically told CFPB everything was in order so CFPB closed the complaint before hearing my response to WELLS FARGO 'S Allegations. Im going to try to submit this complaint once more, in an attempt to make my concerns as clear as possible : 1. XXXX I signed 1st & 2nd Mortgages totaling : {$220000.00} 2. Wells Fargo presently alleges I owe : {$240000.00} 3. XXXX, XXXX Wells Fargo entered a 2nd Mortgage Release of XXXX : {$37000.00} XXXX. XXXX I contracted with Oregon Making Home Affordable Program : {$35000.00} 5. Since XXXX I have paid : {$85000.00} 6. Despite ROL, MHA and my payments the original debt has INCREASED : {$23000.00} My question ( which Wells Fargo and CFPB have failed to answer ) is : How can Wells Fargo receive {$150000.00} ( consisting of a {$37000.00} Release of XXXX which I was required to claim on my XXXX Federal Income Tax, {$35000.00} in Oregon Making Home Affordable funds, and {$85000.00} payments Ive made on the original mortgages ) and still claim I owe {$23000.00} MORE than the original combined mortgages, while also claiming " all unpaid late charges that remain unpaid will be waived '' ( XXXX XXXX, XXXX Mortgage Modification )?
Upon graduation, I contacted Navient on the repayment on my student loan. They told me that I no longer qualified for the 6 month grace period since I already used it the year before when I had to take off XXXX semester due to moving out of state with my husband who is in the XXXX XXXX. My college told me that I should still be eligible for a 6 month repayment grace period directly after graduation. I also contact Navient to ask them to lower my monthly payments since I was expecting to have a 6 month grace period and I was still looking for full time employment. They were very rude and said that they could not help me as there was nothing they could do and hung up on me.
I think some one use my identity and I am being charge for a debt that is not mine and is n't even in my credit report. I never received any mail from this creditor ( XXXX ) this creditor put a lien on my house for this debt 5 years ago and I was never notify or aware until XX/XX/XXXX2017
I was put into foreclosure by my mortgage company after being late one month and a few days. I entered into a repayment plan full of fees. On my credit report it shows me being late 3 and 4 months there is no way I would have been foreclosed on. I even paid the the repayment plan early. I disputed this credit bureau and they refuse to show I paid on time all those months. Had I been that late they would have foreclosed.
Performance Settlement LLC has a worst communication with their client. They have refuse to help and stop taking money from my checking account even though I have paid in full to my XXXX XXXX account debt.
To Whom It May Concern   XXXX     XXXX   XXXX   XXXX    XXXX , CA  XXXX  Experian   XXXX   XXXX   XXXX    XXXX , TX  XXXX   XXXX    XXXX   XXXX   XXXX    XXXX , GA  XXXX    XXXX   XXXX   SOC SEC #  XXXX  DOB  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX  To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX  I HAVE BEEN LIVING THERE SINCE  XX/XX/XXXX  Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS :   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL   XXXX   Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my bills with my Name and current address.
SAINRILUS, DIEUMENE SOC SEC #  XXXX  DOB  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX
Some unidentified agency claiming an association to student loan processing has been robot calling me on a weekly basis for several months WITHOUT identifying who they are! 

I have XXXX instances of this contact recorded on my telephone system. 

The robot states they are attempting to contact my son. When I 've contacted my son, he states that he has ALREADY been in touch with this organization. However, I 've seen NO evidence on my end that they are communicating his activity internally. 

In the past 2 months, I have talked personally to their representative one time and provided him with : - A statement that my XXXX year old son is working with them already - That I have NO responsibility for ANY of his financial commitments - That they MUST cease and desist ALL efforts to contact him through me - That if they failed to heed my request, I would have no choice but to report him for creditor harassment - A lawsuit for mental anguish is a possibility due to disturbance of my peace in my own home resulting out of the non-stop nature of their robot calling - I have NO evidence that this organization is legitimate, so I will NOT provide contact information for my son In addition to this recent personal conversation, I have also " pressed 1 '' as suggested by the robot 's script twice in the past three weeks to respond that I am not the correct person to contact. Each time, pressing " 1 '' has resulted in being routed to a voicemail system where I have reiterated the same information as in the bulletted list provided previously in this complaint. 

It is my belief that I have been more than patient in trying to get these people off of MY back, therefore I am making this step in an effort to get relief. 

If they continue harassing me, I will seek legal counsel in an effort to speak their language by seeking monetary compensation for their harassment.
EXPERIAN CREDIT REPORTING agency complaint of online and written correspondence disputing account inaccuracy ; they willNOT update or remove fraud accounts and Identity theft. FOR EX : XXXX XXXX is in dispute ( loan discharge ) due to identity theft, also, reported to FTC. Showing debt to income ratio error. All accounts are individualized and old accounts discharged by chapter XXXX and not reported correctly. Only have 2 open credit accounts at this time, but my report shows accounts not mine. Denial of credit due to fraud, account inaccuracy and identity theft. Online access denied report number EXPERIAN CREDIT XXXX XX/XX/2017.
I went to finish disputing my XXXX disputes and my request timed out while disputing the XXXX account when I came back over I had to then finish my Equifax request, so I had to resubmit a request. Upon trying to get my Equifax all of the information and questions they asked me did not have any accurate answers, some of the questions were right and had the right answers been listed I would n't have selected none of the above. Now I have to submit a paper request for the report before I can even dispute it, this is not fair. I want to be able to submit my driver 's license and proof online, I do not have time to wait 15 days to finish these disputes and all of this craziness. I need it all to be done at one time. That was the point in selecting all three reports. I want to be contacted by Equifax to rectify their obvious misinformation 's. I hate Equifax 's service and I do n't think it should have any effect on my credit, I do n't think anyone should ever even be allowed to pull my credit score from them ever, they obviously are very misinformed and unreliable.After finishing my disputes so they will stop ruining my credit, I fully intend to try and never use their horrible service ever.
On XX/XX/2018 I called Loan Depot and spoke to XXXX XXXX XXXX at XXXX ( XXXX ) XXXX. I wanted to refinance my mortgage to get a lower APR. I had XXXX XXXX 's direct telephone number because I had spoken to him previously. On the same date he charged {$10.00} to my credit card as an application fee. He called me back later after checking my credit and said I was eligible to refinance. He asked for a copy of my current mortgage statement, declaration page of my homeowner 's insurance and a copy of my government annuity statement. I faxed these things to him on XX/XX/2018. On XX/XX/2018 {$370.00} was debited from my checking account for an appraisal. Before all of this was done, I made XXXX XXXX aware that my credit score was low because I had closed 4 credit card accounts and am working with XXXX XXXX XXXX to get out of debt and raise my credit score. On XX/XX/2018 I received a phone call from a woman, whose name I didn't get, stating she was sorry that they would not be going through with the loan because of the money that is being deducted each month by XXXX XXXX XXXX. They believe I have excessive obligations in relation to my income. She told me I would receive {$370.00} back. I received the paperwork from them dated XX/XX/2018 stating " Adverse Action Notification '' but still have not received my money. I called XXXX XXXX at least 10 times and had to leave messages asking for my money but he doesn't respond. I called Loan Depot 's customer service,XXXX ( XXXX ) XXXX, on XX/XX/2018 and was told they are not sending the {$370.00} to me because an appraisal was done. I have not seen an appraisal and don't want one. I just want my {$370.00} back. They knew from the very beginning they were not going through with the loan. This was their way of getting money from me for nothing. Loan Depot is a rip-off company and I will make sure to tell as many people as I can. Would you please look into this matter. Thank you for giving this matter your time and attention.
I have been a XXXX card owner for many years. The amount is high, and have been paying $ XXXX XXXX each month. In XXXX, XXXX, I inadverntly paid another XXXX 2 X and thought I 'd paid XXXX. Statement of XXXX, showed {$37.00} overdue. XXXX, I paid {$40.00}. XXXX, XXXX, demanding {$120.00}. A call from them was received. I went through this with XXXX several years ago. After I read that your agency settled with them over too much interest, my gas card had {$200.00} credit on it. I feel the same old thing is going on with XXXX. I do not use the card now because of what I owe on the bill. I had been paying regularly until the XXXX incident.
My mortgage company is actively trying to delay or block my home mortgage refinance with another company. I initiated a mortgage refinance with a broker in XXXX. The last step is for me to provide a 24 month verification of mortgage payments. I provided my broker with signed authorization to obtain this information on my behalf. The first request was on XXXX XXXX. After repeated requests for this information, the mortgage company still has not provided my broker with payment history, and even told them it may be after XXXX XXXX!!! My loan interest rate is locked in until XXXX XXXX, and I just received a letter stating that they received my request and that it would take place after XXXX XXXX. I may lose my loan interest rate and may even have to start the process over due to my mortgage company failing to fulfill my request withing the XXXX business day period they told me it would take when I inquired about if over the phone in XXXX. My broker urged me to file a complaint and stated that this activity is illegal. The request for mortgage payment history should not be delayed for months. I have been having trouble with my mortgage company improperly handling situations for years now. In XXXX I applied for a mortgage loan modification after the economy downturn, I was unable to afford the extremely high payments for a house that lost half it 's value. My mortgage company dragged it 's feet until I finally had to file for bankruptcy in XXXX. During my bankruptcy planning process, the mortgage company finally sent me documentation approving my loan modification. I decided to file chapter XXXX instead of chapter XXXX because I believed that they were acting in good faith. This proved to be a mistake. After I met all the qualifications during the 3 month trial period for the loan modification, I heard nothing from my mortgage company. I called to find out why my modification had not been finalized. My loan specialist advised me to keep making the new lower modified payment until they were able to find out why the process was not complete. This went on for 7 months and then I was told suddenly with no reason at all that the mortgage company was not going to do the modification and that I am now way behind on my mortgage due to paying the lower amount that they advised me to do. I believe they fraudulently sent me approval for loan modification that they had no intention of fulfilling so that I would not file chapter XXXX and they would be stuck with the house. I would have filed chapter XXXX if they had not sent me loan modification approval. My mortgage company continues to petition the court to modify the loan amount I agreed to in my bankruptcy plan. I do n't see how they are able to do this without my approval or agreement. They even advised me over the phone that there is a motion to dismiss the bankruptcy so they can continue collection activities, even though I am still under bankruptcy protection. I do n't know where else to turn for help against them. I have attempted to contact an attorney, but am having difficulty determining what type of lawyer handles these types of cases and could give me advise.