WillisBack/dataset-financial-user-claim huggingface dataset:
I spoke with XXXX XXXX Credit Card XX/XX/XXXX to ask them in good faith to remove the bad marks on my credit report which were only 3, 30 day late payments. Instead they now have moved the dates of my Charge Off on my credit reports from almost XX/XX/XXXX being the last date reported to now being XX/XX/XXXX. This has dramatically affected all XXXX of my credit reports for an account that was opened XX/XX/XXXX.
Notified via credit monitoring of a credit inquiry  XXXX . Immediately reported to credit bureaus that I did not authorize the inquiry or request for credit. I was told nothing can be done call the company. I called  XXXX  and was told to call the bank. I called the bank they said someone ordered something to my address and I informed them I did not place an order to cancel and close. Bank said they would close the account. I asked them to remove the inquiry as well. Few days later a credit card and statement came in the mail. I called  XXXX  back again to explain. I was told to return the item that came with return authorization which they emailed me. I was told to call the bank. I called again and explained. I followed up with the credit bureau today because this unauthorized inquiry and transaction continues to appear on  XXXX  of the  XXXX  credit reports. Credit bureau keeps telling me there is nothing they can do.
The company stated that they were from Reliant Capital Solutions, and called my husband first. I also had several phone calls from these people. When I called the number, the gal told me that she had to transfer me to the person that was trying to contact me. When I asked what the call was in regards to, she would not tell me, but transferred the call. They then hung up on me. When I tried to call back, it said that all representatives are busy to please leave a message. My message was, do not call me or my husband. The other number they called from was XXXX.
Hunter Warfield is trying to collect on a debt from an apartment complex where I used to live in Georgia. I do n't know what this collection amount is specifically. I have not received any verification or breakdown of this amount from Hunter Warfield or the apartment complex so I ca n't verify if any of the amount is correct or legitimate. In addition, they have never sent a notice of a right to dispute, they just started calling me and then entered it as a collection matter on my credit report for XXXX, XXXX and XXXX. I sent them a letter ( attached ) requesting verification. It has been thirty days and I still have not received verification of this debt. I want this collection item removed from my credit reports immediately.
Kohls Department Store calls my work number often as well as my cell phone. My cell phone is all right, but since I ca n't answer it during the day at my front desk office job, and no privacy available for personal matters, I told them I ca n't talk to them on that line. Today ( X/XX/17 ) when I got back from a meeting, my XXXX XXXX who is working to answer phones in our office this summer ( I work at a XXXXXX ) told me that Kohl 's Department Store called and was looking for me, and that I should call them back - yet they left no name or number with her. My student did say it was a woman calling. There is NO reason a creditor should call my place of work and for privacy reasons ask ANYONE about me, especially a current college XXXX! I feel my privacy rights have been invaded. Are n't there rights I have at work to keep my account with Kohls confidential, especially telling information to our XXXX that pay tuition to go to our college? This is very uncomfortable for me to get a message like this from my XXXX worker, therefore I am putting in this lack of privacy when dealing with a business matter complaint with you. Thank you
Credit Card Merchant FIRST DATA, has engaged in a long-term pattern of charging me excessive and unauthorized fees that I have not agreed to, and for NOT completing a survey that I did complete. There charges have increased without botice and agreement and when we have complained, their promised adjustments and reimbursements have not been completed. Today when we complained and demanded reimbursement or cancellation of my account, they said there would be NO REIMBURSEMENT if we cancelled the account ( acct. rep " XXXX '' ). I have incurred NSF BANK FEES on account of their illigetimate debits.
On XXXX/XXXX/2015 and unauthorized person used my information to obtain a credit report on XXXX XXXX. Upon verification of my credit history from this site XXXX credit cards were either attempted or opened XXXX days later at XXXX, XXXX XXXX, XXXX XXXX and XXXX. XXXX XXXX did not validate the request by me and now my identity has been compromised. XXXX XXXX has no published phone number for support and does n't have a clear policy in regard to identify theft yet provides, based on website description, fee access to credit history. A police report and a case has been opened with the FTC.
There are several items reporting on my credit report that does not belong to me. These items are reporting as a result of identity theft. The following items are not mine : XXXX XXXX XXXX - Opened XX/XX/2017 Incorrect Addresses : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
In  XXXX     2017  I applied to have all my student loans consolidated  and was notified that  XXXX  of my loans were about to default and I needed to fill out a for to add the  XXXX  borderline defaulted loans to my consolidation, which I did. In the process of waiting for the consolidation to be finalized and the  XXXX  loans added into the consolidation, I am told the  XXXX  loans defaulted and went into collection but I was also told that it was within the 180 day rule and that I could still have the  XXXX   loans consolidated. Meanwhile, without any prior notification or packet, which the   XXXX   XXXX   XXXX   center and the Department of Ed representative told me I was entitled to in order to prevent wage garnishment, but that did not happen an d on  XXXX   XXXX ,    2017  my payroll was garnish for $  XXXX  without any warnings or prior notice, my address has not changed and I am receiving mail at my   XXXX   XXXX   XXXX  . The amount of the defaulted loan is a little of {$2000.00} and I am being garnished for $  XXXX  and told the only way out is to pay in full up front or have the Department of Education  send a Stop  Notice. When I contact   XXXX   XXXX  , I 'm told I must get the Debt Collection Company to agree to release the garnishment to have them added into the consolidation and the Debt Collection company, Immediate Credit Recovery tells me that it is no such action, once in garnishment always in garnishment until paid off or enter into a rehabilitation program which is additional monies on top of the garnishment, which has already put me in a financial hardship and no way out ...  XXXX  Can someone tell me which information that I was given is correct and the steps to take in order for me not to be destitute?
RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX XXXX XXXX  XXXX ran an unauthorized credit inquiry on me on XX/XX/2019. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX XX/XX/XXXX XXXX and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

If you have any questions or need additional information, please contact me at address listed below.

Thank you. 

Sincerely, XXXX XXXX
After paying off my mortgage, Wells Fargo Home Mortgage issued an escrow refund check in my name but sent it to the wrong address. I presented this problem in person to a banker at a Wells Fargo branch. It was suggested that I had something to do with the wrong address. It was suggested that I forgot that I used to live at this wrong address. Blaming the customer first is not acceptable. Wells wanted to know if I received the check. No I have not. I am only aware of the wrong address on the check because a PDF version of the check is available online. Astoundingly, the first question I was asked by Wells : Do I have a banking relationship with Wells Fargo? Yes, but maybe not for long.
Wells Fargo LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX The Appraisal used by Wells Fargo to counter the buyer on this short sale is invalid. 

1. The Appraiser used comps outside the XXXX area and in a completely different geographic and economic neighborhood than the subject property this does affect the sales price 2. The Appraiser used comps that are a YEAR OLD 3. The Appraiser outright IGNORED comps that were MUCH CLOSER and that CLOSED RECENTLY that were a lower value than the counter offer 4. The appraiser even ignored year-old comps that are in the same complex as the subject property that were lower in value that the counter offer ********* The Appraiser was obviously stretching to get this valuation to be in the higher price range dictated by Wells Fargo.
This appraiser could lose their license over these issues it has already been recommended to us by another appraiser to file a State complaint against the appraiser as her work product is extremely flawed and could not be used for origination of a loan or any other purpose for valuating a property. 

I have attached the following items : 1. XXXX XXXX showing Market Comparables that are RECENT and in the SAME NEIGHBORHOOD. 
2. Copy of the appraisal used by Wells Fargo - SEE PAGE 7 AND 11 showing the OLD COMPS USED 3. XXXX XXXX XXXX 4. Additional Market Comps Please see XXXX XXXXXXXX XXXX - This home is in Excellent Condition and is obviously C2 and not C3 as stated on the appraisal. Did the appraiser look at any of the comps or even call the listing agents -- - the answer is NO. Our unit is correctly listed as a C4 ( in need of major remodeling ) We have already addressed this with Wells Fargo and have been told that Wells Fargo reviewed the information we provided and has found nothing wrong with using comps that are a year old. -- - Seriously??? 

We demand this appraisal be re-reviewed with the information attached to this CFPB complaint. 

We expect this situation to be remedied immediately.
I called to arrange a payment for the XXXX of the month. I was not late and even paid extra. The loan was taken out immediately overdrawing my account. When I called the company said the payment was taken by mistake and a refund was in order. First they claimed there was a problem with their refund department. Then they said it would take 48-72 hours for the money be refunded despite my band verifing they had covered the amount. I now have a overdrawn checking account, overdraft fees adding up and no refund. Customer Service 0. Run from this company.
I received a notice in the mail that I owed money to an emergency room called XXXX XXXX XXXX XXXX XXXX. I tried calling the company at the address listed and its actually listed XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, TX XXXX. Another emergency room is at this exact location listed and called XXXX XXXX XXXX XXXX in XXXX, TX. The phone number is XXXX and I talked to XXXX who verified no record of me in their system. The phone number listed under XXXX XXXX XXXX XXXX is XXXX. I called this number and it rang for several minutes with no answer and eventually stopped ringing. I just received this notice today, XX/XX/2019 and letter is dated XX/XX/2019. There are no dates of when the amount was charged under my name. The letter claims it was placed by CFSI for collection by XXXX XXXX XXXX. I have not been to the hospital in the last year and I have not been in XXXX for almost 7 years now. The amount they are requesting is {$180.00} and offered to take it off my credit history for {$140.00}. I do not have insurance and only visit low income/free doctors in the XXXX area. I suspect this is fraudulent activity since the addresses and phone numbers do not match up. The company attempting to collect this debt is called Common Wealth Financial Systems, XXXX XXXX  XXXX, XXXX, NC, XXXX phone number XXXX.
I opened a credit card account with XXXX XXXX XXXX XX/XX/XXXX. This account has been in good standing with them into the year XXXX when Bank of America took over. I have always made automatic minimum monthly payments on this account directly from my bank and had paperless statements and communication. As long as I saw the payments leaving my account I didn't worry about the account status. I was aware that Bank of America took over the account in XXXX but since my payments were still leaving my bank account each month I still didn't question my account status until last month when I paid off the balance on this account. Once the account was paid up, I logged in to see my available credit only to find out the account was closed in XX/XX/XXXX for apparently being past due. 
I spoke with customer service on XX/XX/XXXX to find out how this was possible since I was making my monthly payments. Apparently there had been a returned payment on the account in XX/XX/XXXX and my minimum payment each month was no longer covering the minimum due. I explained to the agent that since I saw payments going out each month that I was not aware of this issue and requested that the account be reinstated since it is hurting my credit score. At this point I was transferred to the credit department and was informed that since they do no have " the original terms of agreement '' for this account, they can not reinstate it. 
It was not my choice to have this account taken over by Bank of America, and if they did take over the account there is no reason for them not to have the original terms of agreement. 
I have asked that this account be reinstated on the merit of this being a long time account in good standing. As explained before, I was unaware of the missed XX/XX/XXXX payment and the effects it had on my account. According to my bank statements, I was making my minimum monthly payments. I do not feel that I should be penalized to this extent for one returned payment.
In XX/XX/XXXX i filed a dispute with the credit bureaus about a Bankrupcty Acct # XXXX and a XXXX XXXX credit card Acct # XXXX opened XX/XX/XXXX that do not belong to me. All three bureaus removed the account but when i checked my most recent report it shows those two accounts back on my credit file.
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file, that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section XXXX ( XXXX ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. 

Please resolve this matter as soon as possible. Thank you.
i am filing a complaint against ocwen mortgage servicing llc because of my escrow account calculation are incorrect and they will not correct the issue. I have made serveral attempt to resolve the matter. I have request a complete audit of my escrow account since ocwen has taken over my mortgage account. I have done a calculation of my escrow account. and compared to there analysis. I will attach a copy of my calculation and there original analysis. the original analysis was done on XXXX XXXX 2015 and when I question the analysis the sent a second one XXXX/XXXX/2015 which was even had more errors and double billing and collecting.
Requested verification of debt on XX/XX/XXXX received letter dated XX/XX/XXXX that the company has determined your dispute is not valid & that the information is correct however attached paperwork does not verify or substantiate any debt ie is only a print out with my name but does not prove debt is mine
I have had a mortgage through Carrington Mortgage company for several years. In 2015, I elected to refinance to take advantage of a lower interest rate and that is when my problems started. They refinanced my loan but when they did, they paid my insurance company twice. I did n't catch the error until much later ( when my insurance company issued me a refund check ). When I called the company, they had no idea why my escrow account was short so I was n't sure if that was what actually happened. I agreed to pay additional money so that my escrow could be caught up. Now, this year, it is showing short again by XXXX dollars. When I called them, they admitted they had paid my insurance company twice but when I called my insurance company, they are only showing where it has been paid once. I need to know how to handle this. I ca n't afford to pay more money. Can I make them send me copies of the checks where they disbursed the funds? Please advise. Thanks, XXXX XXXX XXXX.
I had XXXX different accounts with Bank of America ; credit cards, a mortgage, etc. Many were paid off and closed naturally. XXXX of the cards were placed in a payment plan as part of a settlement. The settlement was paid off and the accounts were closed. Bank of America was supposed to mark those accounts closed and paid. They only did this with XXXX card. After several disputes with them, they finally fixed it. I have been constantly contacting them as well as via the bureaus to correct the other card which was part of the settlement and they up until now have refused and continue reporting this on my credit report as an outstanding and open debt. Finally, the credit bureau ( XXXX ) told me that if I wanted to obtain the copy of the proof BOFA is claiming that I have to contact Bank of America directly. I have contacted them and spoken to many representatives including management and up until now, they have yet to come up with or show me any proof that this debt actually exists and/or is still outstanding. Meanwhile, they have definitely hurt my credit by constantly reporting the false information to the credit bureau. I have had XXXX accounts with them and all accounts but XXXX state paid in full but this XXXX.
Planet Home Lending sold my loan without proper notification to XXXX XXXX. This is now the third mortgage company in less than a year. It is completely unethical and unreasonable for a mortgage company to sell my loan WITHOUT notification.
I have been sending disputes to Transunion every 35-40 days since XX/XX/2017 and on multiple occasions the results where received after 30 days or not received at all. I even sent letters for verification of method used to investigate and haven't received any response either.
I am writing regarding several medical bills for which I am not responsible that have been incorrectly and falsely sent to collections by the billing office of XXXX XXXX XXXX in XXXX 2015. The bills submitted to collections by XXXX XXXX 's office total {$160.00}. Despite repeated attempts to have these bills removed from collections, XXXX XXXX 's office has thus far refused to do so. 

XXXX XXXX 's billing office incorrectly states that I visited them on three occasions XX/XX/2015, when in fact I only visited on two occasions : XXXX/XXXX/15 and XXXX/XXXX/15. 

At the time of each of my visits, I paid a {$20.00} co-pay per visit per the requirements of my insurer, XXXX XXXX XXXX, and the requests of XXXX XXXX 's office. The insurer stated on their website and confirmed via phone that {$20.00} was the correct co-pay amount. XXXX XXXX is a XXXX Preferred provider under XXXX policy, clearly documented by a screenshot of XXXX website and my phone conversations with their representatives. 

However, XXXX XXXX 's office inaccurately charged both my husband and I an additional {$40.00} per visit ( including for a third visit that never occurred ) and submitted the difference to collections. 

I have contacted XXXX repeatedly regarding this matter, who confirmed that the correct co-pay amount is {$20.00}. I spoke with several representatives there recently, who confirmed this again and stated that XXXX has contacted XXXX XXXX 's office with the same information. 

I have also contacted XXXX XXXX 's office repeatedly regarding this issue and stated in writing that there was no basis on which to submit this matter to collections, and repeated that assertion recently. Per the attached documentation from the collections company, Armor Systems Corporation, XXXX XXXX 's office has cancelled all claims for my spouse, who had the exact same issue with XXXX XXXX 's billing practices. However, my claim falsely remains in collections. 

Per this documentation, I have asked XXXX XXXX 's office to remove these bills from collections immediately, however they have refused to do so. I have also asked that the office immediately contact the credit reporting agencies - XXXX, XXXX, and XXXX - to have these items removed from both of our credit reports. 

It is troubling that XXXX XXXX 's office failed to exercise any due diligence in obtaining accurate information before submitting these claims to collections, and has still failed to resolve this matter nearly a year later. Clearly, this is evidence of deplorable and irresponsible business practices that harm consumers such as myself.
Navient called me at work. Informed the representative not to call me at work and the next day they called to speak to my manager about my debt so he could leave a message for me. He said I would be in later and she stated she wanted to make sure he would leave me a message so she did n't have to call back later.
I have been struggling making payments for this loan for three months. I have been trying to get in touch with someone at American Education Services to fix this so I could get the loan out of delinquency and get on a better payment plan that I can afford. They always would tell me that I need to fill out financial information papers that they didn't have on hand and would print and send out. They told me it would take 10-14 days to arrive. A whole month has passed and it still has not come to my mail, which i check everyday. They have given me a hard time every time I call and ask for the papers and many employees give different answers from the others. This is going to ruin my credit as well my cosigners credit.