WillisBack/dataset-financial-user-claim huggingface dataset:
In  XXXX   2017 I pulled  my credit report for all  XXXX  bureaus to find an ope n    XXXX   XXXX   XXXX   account that was not mine on my credit report I sent a certified letter on  XXXX   XXXX ,    2017 ( signed for on  XX/XX/2017  ) to the provided address on the report asking the company to pl ease send me information that bearing this was indeed my account and to provide me with documentation that contained my signature and that the information they were reporting is being disputed. On  XXXX   XXXX ,    2017 the c ompany sent me a billing statement stating this was there proof. On  XXXX   XXXX ,    2017 after 31  days I did not receive anything bearing my signature so I rechecked my credit report to find the company had not placed the disclosure " notice of dispute '' on my account. I resent another certified letter on  XXXX   XXXX ,    2017 ( see   attached ) signed for  on  XX/XX/2017  asking t hem to remove this from my report since they had not provided me sufficient evidence showing this account belongs to me nor did they place the notice of dispute on my account within 30 days of my original lett er therefor violating t he Fair Credit Reporting Act and the Fair Debt Collection Practices.. It has been almost 60 days and the notice still does not appear on my consumer report nor has the company responded to  my letter s to pro vide evidence.
In   XXXX   of 2017, I paid back a medical in the amount of  XXXX . The creditor   XXXX   XXXX   XXXX   XXXX   advised me that once the amount was paid, the trade line would be removed from my credit. As of today,  XXXX / XXXX /2017, the trade line remains and has not been updated AT ALL. It is continuing to impact my credit when I was advised it would no longer. Instead, this company left the full amount on my credit report and just stopped providing updates, which is an FCRA violation.
Under the new law effective XX/XX/2017 any public record data must include name and address as well as SSN or DOB in  order for it to appear in your credit file. The credit bureau can not verify the BK, ( because the court doesn't share information with credit companies ). This credit bureau has not updated the information and per the new law the bankruptcy listed does not include this information and should be deleted from my credit file.
In XXXX XXXX I made a {$400.00} cash payment to my Macy 's credit card at department store. I received an email confirmation that the payment was received, as I always do with all payments.In XXXX XXXX, I did not see the payment posted to my acct so I called and they initiated an investigation. I was told I did not have to make any payments while the matter was in dispute and being investigated.I received a letter stating that. In XXXX XXXX I got a letter stating the payment in question was posted to my account. However, I did not see it posted. So again I contacted them and disputed this for 7 months, they refused to honor their email confirmation of said payment and refused to post it to my account. In XXXX my stmt indicated no payment due so I did not make a payment. Not being able to resolve this I had no choice but to pay it again. Later when I applied for a loan I found out they posted 3 months late payments on my credit. I contacted Macy 's again and they refused to remove it. This has affected my credit score and my ability to get a loan. Macy 's has been unreasonable and unfair. Macy 's needs to be investigated, I 'm sure this happens to a lot of people and we just give up trying to fight them, because it takes so much effort and they transfer you around to many departments. Even going to the Executive complaint office was useless. The person I communicated with was XXXX XXXX and she indicates the matter was properly investigated and that a computer glitch caused the email to be sent to me. This is absurd, coming from such a big company with massive computer systems. They should honor their own correspondence. I want Macy 's to refund me my {$400.00} and correct the negative credit reporting. I thing they need to be investigated for unfair practice, in that I 'm sure this has happend to many other people.
I contacted Discover in regards to a " XXXX XXXX '' program, involving the freezing of charging privileges on the account, combined with a lowering of the interest rate to 9.99 %, and automatic payments of {$14.00} per month, paid on the XXXX of the month for a period of XXXX months, or until I was under the credit limit, at which point I was free to be removed from the program upon request and verification. 

Upon requesting removal from the program, I was told ( falsely ) that this was not possible. The argument became quite heated, and it came to the point where I 'd said that we either need to find some remedy, or close the account, and that I would wait for the debt to age out. I eventually began using profanity, and she told me she would terminate the call. I told her to " go XXXX herself '' and she hung up. 

Upon calling back to speak to another representative, I received a notification that an email was received from XXXX. The email said my account had been closed. 

This happened without a proper request for authorization on my part. Me being angry does not constitute a verbal contact, as there is no agreement portion involved, and because of that, it 's also not enforcable, because it 's unlawful. 

I 'm seeking the maximum damages, as this resulted in my losing access to the money that I put into the card before my request ( {$260.00} ). Also, it damaged my credit report because this was a closure of my oldest account. 

They refused to provide a copy of the internal complaint I submitted for " security reasons ''.
My mortgage was recently sold to Fay Servicing, NMLS ID XXXX. I have been in the process of refinancing and was seeking the payoff schedule. My new mortgage broker requested in XX/XX/XXXX but I didn't receive anything. I then called in to request again on Friday XX/XX/XXXX. I was told there would be a rush job to have a new payoff created and emailed to me by my case manager XXXX XXXX direct number XXXX. I then called back in to follow up on Tuesday XX/XX/XXXX. It was communicated to me that the contact on the XX/XX/XXXX did not request a new payoff and did not notify my case manager. The person that I called on XX/XX/XXXX then said they would request a payoff and instruct my case manager to get her supervisor approval to rush job and then email me the document. I called back into Fay Servicing and left a voice mail for XXXX, my case manager on XX/XX/XXXX asking her to call me and follow up on the payoff. At this point I had rescheduled my closing to refinance two times. I called into Fay Servicing Wednesday XX/XX/XXXX and was instructed by XXXX XXXX to have my loan officer call in to obtain a loan payoff request. This was because my access to the account, under my ex wife's name, had expired according to FayServicing (attached email thread with ex wife and co-borrower XXXX XXXX). XXXX XXXX did do this and both him and I have called every day to follow up. I left  a voice mail for XXXX XXXX on XX/XX/XXXX. XXXX XXXX, mortgage broker, has called twice per day since payoff request and each time when finally talking with someone they could not provide the payoff amount.  I am currently scheduled to close on the refinance Friday XX/XX/XXXX. Any help on this matter is much appreciated. Please see all email attachments confirming ongoing attempts by myself, my co-borrower and my mortgage broker to obtain a payoff number as to refinance.
In XX/XX/XXXX, I submitted a written request to Wells Fargo for an adjustment update of my payment history to the credit agencies. On XX/XX/XXXX, I received correspondence from Wells Fargo Home Mortgage ( HM ) with the determination that the agency has been sending accurate account information to all consumer reporting agencies. As a special note, I have been working for the past year to get this information corrected, to no avail. 

On XX/XX/XXXX, I found that Wells Fargo HM continued to report inaccurate credit activities ( payment and account balance ) for my account since XX/XX/XXXX. 

On XX/XX/XXXX, I appeal to Wells Fargo to report my account accurately with a request for the reason why the agency suppressed reporting my credit payment and account balance activity. On XX/XX/XXXX, Wells Fargo ( XXXX XXXX ) reported to me that they will they are not required to submit monthly credit reporting activity with the correct balance and will not correct my account activities to any of the credit companies.
i am well aware of all the red tape in this world just so disappointed when it comes to my favorite bank capital one. made a dispute OVER DEFECTIVE phone from XXXX XXXX that i did contact them about but never heard back. first dispute comes back saying well you bought it to which i respond i never disputed i bought it so on XXXX XXXX i sent back that IT IS DEFECTIVE. no batteries broken. instead of asking me for further proof which by the way i have never had to provide they closed my dispute. Well i am not paying it. nor should i. One it was not handled right i was not contacted for whatever proof they needed BEFORE they closed it etc. and i still have abad phone. Online Customer serice XXXX XXXX too long. i am super surprised at capital one for this. it had been my card of choice for all reasons. please reverse charge. i am not paying it. i also note for the record NO ONE at XXXX XXXX contacts me in response to my contacts or otherwise. REVERSE charge on card ending XXXX as for contacting me i can only be reache after XXXX eastern. i work so calling at any time is a waste.
My cosigner continues to get harassing and threatening phone calls from debt collector NES of Ohio, even though I asked them to stop.
Dear CFPB, I'm writing for you for URGENT assistance to correct some information on my credit file which is hindering me from gaining employment, getting financed for housing, and life necessities. 
PLEASE VERIFY THEY HAVE MY CORRECT CONTACT/ADDRESS INFORMATION. 

Experian is reporting negative information from XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX which is incorrect. These items do not belong to me. They're illegally attempting to collect money from me. 

This information is negatively affecting my credit score, and I would like it removed ASAP. 

Please assist me in getting these items removed from my report so I can no longer be prohibited by the negative information which is impacting my livelihood.
My problem with Circle bank lending is with the discouragement of making extra payments on your loan. They charge a XXXX Special payment fee for anything other an EFT. There website does not provide any ability to make an extra payment. In addition they do not report accurate information to the credit bureaus I have had my loan for 1 year and according to my XXXX credit report I have only paid 3 months ( no lates ) -
Credit collection agency " I.C. SYSTEMS '' is DOUBLE-REPORTING an account for {$160.00} on my XXXX credit report. I. C. SYSTEMS did correctly report only one account on my XXXX XXXX credit report, but have taken the illegal liberty to report the same account twice to XXXX XXXX. Such reporting was done within a few days of each other. 

I disputed the duplicate reporting to XXXX on XX/XX/XXXX and received confirmation number XXXX. However, I.C. SYSTEMS confirmed that both accounts are mine, which is incorrect. Both accounts are NOT mine. Only one account is mine from the original creditor, XXXX/XXXX XXXX XXXX. 

Again, today, XX/XX/XXXX, I disputed the information with XXXX and received another confirmation number, XXXX. However, as a result of I.C. SYSTEM 'S incorrect reporting, my XXXX credit score nose-dived about 40-50 points, which is COMPLETELY UNACCEPTABLE because it is based on their erroneous error.
I call the company to payoff at Balance I never knew I had. I pulled my credit report and paid it off on the XX/XX/XXXX. In the amount of {$610.00}. So now everytime I run my report it shows as a red flag. I received my paid in full letter on the XX/XX/XXXX. But every time my credit is ran pops up as a balanced owed. I have Called the collection company, I tried disputing it as well and nothing has happened.
I would like to request the removal of my Credit Freeze from all 3 credit reports XXXX XXXX, XXXX, Equifax. I am in the process of buying a home and I need access to my files asap.
On Friday, XX/XX/XXXX, my brother called me stating that American Express had called him phishing for information, where i work, whats my work number. He told them he did n't know me after a long period of time. I called American Express two weeks ago to explain to them I would be out of work on XXXX XXXX  XXXX due to XXXX XXXX. They did n't want to help me although I have been a valued customer since XX/XX/XXXX. I have been making payments on my account but not what they want. 
If I do n't have the money to pay the bills in full or what they want what am I supposed to do? I pay what I can and that 's not good enough for them. 
If they have a problem with me, calling family members is not going to resolve this issue. 

I am getting in touch with the Attorney General 's office of Florida to report this abuse. 

Sincerely, XXXX XXXX
This complaint is about the Forecloser Sale of XXXX XXXX XXXX XXXX ca XXXX scheduled on XX/XX/XXXX. Regarding Loan Number # XXXX, from FCI lender Services, INC ( servicer ) and XXXX XXXX ( borrower ). 

The Junior Lienholder FCI Lender Services, INC has failed to meet any of the California Foreclosure Statutes : Cal. Civ. Code 2923.5, 2924 to 2924l ; Cal. Code of Civ. Pro. 580a through 580d.  California Homeowners Bill of Rights II, and Consumer Financial Protection Bureau XX/XX/XXXX regulations by never sending periodic billing statements, sending interest rate notices or requesting a meeting to discuss loan modifications, forbearance agreements or address any type of repayment programs. 
XXXX XXXX XXXX XXXX, XXXX and FCI Lender Services, INC has had no correspondence with XXXX XXXX for 13 and a half years. 

XXXX is seeking a sum of XXXX, consisting of an original sum of XXXX, loan fees plus interest. Loan Number # XXXX has never shown up on any credit reports or made any type of inquiry. 

FCI has failed to meet any early intervention requirements, continuity of contact requirements or has made any attempt of mitigation. 

The following Parties are involved in this transaction are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FCI Lender Services, INC, and XXXX XXXX. 

Please contact me in a timely manner via Telephone ( XXXX ) XXXX, by mail at XXXX XXXX XXXX, XXXX, Ca XXXX and by email at XXXX. 

Sincerely, XXXX XXXX Mitigation is the best option. I'm more than willing to work out a payment plan with said lender.
A company called XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX, is continually sending me letters to collect a debt which has expired. They have not removed this debt from my credit report either. Even the letters state that the debt has expired. If I contact this company directly, the 'clock ' will start running again and even states as much in the letter. The original debt was less than {$300.00}, but they have inflated it to {$2200.00}. Can you help me. I am a XXXX veteran with limited resources, but still need a good credit rating like everyone else in this country.
I have a private student loan with XXXX Bank. Since I entered repayment, I had the loan payments set up on autopay from my XXXX bank account. Around XXXX of XXXX, XXXX transferred the servicing of my loan to American Education Services, and did not make any significant effort to notify me. During the transition to AES my auto pay did not transfer from XXXX. Luckily I discovered this on my own and contacted AES to make my XXXX payment. I also set up auto pay with AES. The AES rep explained that it might take 30 days to set up the autopay so just to be safe I scheduled the XXXX payment online myself to ensure it was paid. The autopay never went through, for reasons that AES was unable to explain. AES failed to notify me that my payment was not made. In XXXX I discovered that my payments were not being made and called AES. I paid the past due balance and once again re applied for autopay. The AES representative stated that they attempted to call me multiple times after my auto pay did not go through, and verified the phone number, which was correct. It was at this point that I realized that they did in fact call me, and I did answer the phone but the manner in which they conducted themselves on the phone was extremely suspicious and unprofessional. I would receive a call from an XXXX number that was not listed online, meaning when I would XXXX the number it would not be tied to AES. The phone rep asked for me by my maiden name, and stated he was calling from XXXX Bank. I found that suspicious since I have been married since XXXX. He then asked for my full social security number in order to verify my identity and proceed. I refused to provide it and asked what this call was regarding. He stated I can not give you any information without your social security number. I asked several times what is this call regarding and each time the rep refused to say anything more than he was calling from XXXX bank. I hung up and called XXXX bank customer service and the determined that there was nothing of concern on any of my accounts. They could no longer view my student loan since servicing was now with AES. I received several more of these calls from AES and each time the rep demanded my social security number and refused to tell me why they were calling. I explained this to AES and after several rounds of escalations they refused to reverse the delinquency that was reported on credit report and stated they could not reverse it since " XXXX Bank rules do not allow them to ''.
Capitol one XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX inc XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX all these account inquiries are not accounts of mine and I don't recognize them did not authorize them
Forty-five mortgage payments I made to Bank Of America starting in XX/XX/XXXX and continuing until XX/XX/XXXX were not credited to my mortgage until XX/XX/XXXX. Total this was almost {$17000.00}. BOA continued to charge me interest on money that I had paid to them for 4.5 years.They finally applied my payments in XX/XX/XXXX. 
I have asked BOA what they were doing with my money between XX/XX/XXXX and XX/XX/XXXX. The only response I have gotten from them is that they did apply the payments in XX/XX/XXXX.

I am aware that they applied these payments in XX/XX/XXXX, but I made the payments several years earlier. 
My question continues to be why didn't they credit my account when I made the payment instead of waiting over four years?
I have been struggling due to other debts and medical issues and really needed the funds provided to me however at this time I am unable to pay this debt. I have been diagnoised with XXXX XXXX and have several medical bills.
Received a letter of denial for a rental application with " Check Writing History from XXXX '' sited as XXXX of the XXXX reasons. When I contacted XXXX via the number provided on the denial notice they looked up all of my information and said that there was " nothing negative or outstanding '' under my name, social security number, or drivers license number.
I have a mortgage with Ditech Financial LLC. I made my XXXX mortgage payment on time as usual, actually a few days early. When looking at my statement for XXXX I see a double payment due. I checked my payment history and found my XXXX payment was applied as a principle payment instead .I made my regular payment for XXXX. I called ditech and asked why and how this happened and was told they don't know. I asked for the payment to be reallocated and I was told they would. Since then I have called them 6 times with up to 20 minutes hold time because I keep getting told they will take care of this and they have not. Today XX/XX/18 I called again they said we are still waiting for your allocation to go through. I said I have waited a month now this will damage my credit score. I asked for the supervisor and was told he was busy with other customers. I asked for his direct number. I called a supervisor named XXXX XXXX got voicemail left a message and no return call. It is now XXXX XXXX. 
Secondly, .I have some kind of 2 % interest rate loan through the government. I got a letter saying due to my timely mortgage payments I will get a {$5000.00} principle payment on my loan. I had to fill out the Dodd Frank form  they sent me an I mail it in XXXX. I called they said they never got it. Sent it in again I was told not the right form ( which I got from them ). Third time sent me the same form I filled it out and downloaded a Dodd Frank form I found on line filled that out also and sent it certified mail. I got the receipt showing delivery on XX/XX/18. Called to confirm I'm told they don't have it. The form has to be done by XXXX or I will forfeit the payment. Due to these incidents and lack of any resolve I charge that Ditech is purposely trying to not have to pay the {$5000.00} by claiming to not have received the proper paperwork and intentionally not applying my payment to make it look like I have fallen behind which would also negate getting that principle payment. Now they are talking about foreclosure? I am fighting a giant corporation and really need your help.
Collection Associates has XXXX accounts open in my name. The most recent XXXX XXXX XXXX XXXX, I do owe. The prior XXXX accounts date around XXXX. They are from xrays and labs performed within my providers building. It is standard practice that you provide your insurance at the counter when you check in. Even according to the website of these services, they state they obtain the information from the hospital or doctor. The collection company will verify that I stated in every phone call that the company needed to properly submit the insurance. I had verified insurance, my other doctors from the same dates of service had done this just fine. By the time this was brought to my attention by the collection company, even if I had submit the insurance myself it would have been denied due to timely filing. The collection company has known I dispute this amount since everytime I have spoke with them, I explain the responsibility of the office and the issue. They have directed me to the providers, or even said " there is nothing we can do because that company is n't our client anymore ''. The providers say the account is in collections and there is nothing they can do. As a manager of a providers office, I know that you have a responsibility when you work with insurance or are in network with them. You also have these situations in your payment agreement. I have requested the collection company verify that the debt they are trying to collect on is collectable based on the agreement with the providers and myself. I also asked that they provide proof that they had actually obtained my insurance information as they state they do, since other providers submit these claims successfully. This has not been done. The collection company asked me to provide proof the claim was submit to my insurance or denied timely. I asked what that would show, and I was told it would show " I actually gave my information ''. I asked what proof they have when they go to the doctor that they gave them a copy of their card. The response was " well I actually do it. '' I am shocked at the level of irresponsibility and unprofessionalism. I was told initially there was nothing I could do but in my professional roles over the last few years I learned how wrong these practices are. Here is the link to the web site of XXXX of the providers I am referencing with their practices, where they even state they may have a delay and rely on the information of others, or they will contact you. By the time it was brought to my attention it was too late. I had previously thought it was processed, or being resubmit, since my other providers they get information from had no problem. XXXX