WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX. This account was over XXXX XXXX XXXX and closed. Just to be annoying this company opened it back up and reported it negatively to all three credit reporting agencies and of course dropped the score from over XXXX to around XXXX. This is not the first time that they did this. Once I challenged it with the reporting agencies it was corrected, this however was not something that was done on accident, it was done on purpose.
I have XXXX loans with Dept of ED/ Navient Lates are being reported for XXXX, XXXX, XXXX of XXXX for XXXX of the loans but not the other XXXX. I was enrolled in school at this time and my loans should have reflected deferred for XXXX, XXXX, and XXXX of XXXX. Ive disputed this issue with the credit bureaus with no successful outcome.
original debt was XX/XX/XXXX in the state of XXXX. It was filed in XXXX by H. Kent Hollins. Law Firm. H Kent Hollins # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX address : XXXXXXXXXXXX ( XXXX XXXX XXXX ( Local no. ) ( XXXX ) XXXX ( toll Free no. ) It 's over 15 years old and they are trying to collect from me. They garnished my bank account with XXXX XXXX XXXX in XX/XX/XXXX of this year and I had to contact the XXXX XXXX XXXX XXXX order processing. XXXX XXXX XXXX XXXX XXXX XXXX and the Legal Levy Department Regarding to Reference # XXXX. I did file another complaint with your agency before and I though this matter was taken care of and the bank was able to remove the restriction and restore my account. H. Kent Hollins, sent me by mail a form regarding to the debt. And then filed another garnishment against my account on XX/XX/XXXX. The bank is informing me that even though this is fraudulent, they are under the order of the collection agency, until this matter is resolved. This collection agency is very aggressive and they are not conducting their services in professional manner by refiling again.
I applied with my bank that has repeatedly lied and said no adverse information is reporting as a result of identity theft. I still maintain and have open accounts with Wells Fargo, NO ADVERSE INFORMATION THEY PURPORT XXXX TIMES TO THE CFPB HAVE BEEN REPORTED INTERNALLY OR EXTERNALLY. IF I HAD THE CHANCE I WOULD UPLOAD THE DOCUMENTS, I APPLIED FOR A WELLS PROPEL CARD ONLY TO BE NOTIFIED THAT IT WAS SOLELY REJECTED FOR MISHANDLING OF FORMER ACCOUNTS. I AM XXXX OF IT.
I have sent the original creditor ( XXXX XXXX, XXXX. ), a notorized FTC identity theft report and affidavit and I have requested validation of contract from XXXX XXXX, XXXX, since 2016 this company has continued to harass me with letters. Account Summary Report prepared by XXXX XXXX XXXX, this is a dummy corporation for the same collection agency. I have seen or received no contract with my signature making me liable legally for this fraudulent debt.
I made an overpayment on my student loan nearly a year ago. At that time, the customer service representative indicated that it would reconcile at some point ( there was no clarity as to when this would be ). Nearly a year later, I am still stuck in the paid ahead status and the {$400.00} continues to revolve through each billing cycle. When I asked the customer service representative which federal agency I could file a complaint with about the loan servicing company, I was told, " I do n't know. '' When I asked to speak with the customer service representative 's supervisor, I was put on an extended hold. During that time, I searched on XXXX and found the CFPB 's website/complaint form. Student loan recipients should not have to argue with a servicing company to figure out how they can properly file a complaint with the federal government. 

Lastly, I have emailed XXXX numerous times through their online email application on the lending portal ( while logged into my account ). I have NEVER received a response to ANY of my emailed complaints or requests to XXXX. That 's beyond unacceptable.
Just recently I ordered my yearly credit report and noticed many errors your company is reporting on my report. Not only is it distressed but I am disappointed at how I was affected by the Equifax breach. It has affected me in many ways and has caused so many problems that are out of my control with my identity being used. I am unaware of the accounts and inquiries listed in this letter and I demanded that theyre investigated internally by disputing only the accoutns and inquiries mentioned below. I have never given my consent to open any of the listed accoutns or any new accounts due to the being puzzled of how inquiries were placed on my credit file. These are serious errors that your company has made time and time again concerning my credit file and I will take legal issues if I have to immediately. This has been the 2nd time that I am disputing and it seems that Im being ignored for a particular reason and theirs no answer on to how the errors got any my credit file. I will go beyond measures to get the errors removed and if theyre not removed by XX/XX/2018 I will be taking legal actions against your company. 
Accounts Errors : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.  XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX Unauthorized Inquiries : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX/XXXX 4. XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 7.  XXXX XXXX 8. XXXX/XXXX
I disputed this debt with I.C. System Collections with no resolution. I sent a certified validation letter on XX/XX/XXXX in regards to this collection in the amount of {$76.00} being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. XXXX XXXX received the certified letter on XX/XX/XXXX and has yet to respond to my request. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.
I have tried numerous times to provide maturity instructions for my CD 's with TIAA Bank. I want my CD 's closed at maturity and a check mailed to me at maturity, which should not incur any kind of fees. However, TIAA will not accept maturity instructions, only giving me the option of having the CD 's paid out early and charging me an early withdrawal fee or automatically renewing the CD 's for another term with TIAA.
XXXX XXXX has been inaccurately reporting my automobile account for several months now. The account is in collections/charge off and being reported as a repossession. The vehicle was never repossession even though payments stopped in XX/XX/XXXX. The company informed me that They " pass, '' on the vehicle as of XX/XX/XXXX, which basically means that they won't be picking it up and don't want it back. Since XX/XX/XXXX XXXX XXXX has been consistently reporting an incorrect charge off amount that changes and fluctuates every month. Some months it even decreases even though no payments are being made and there is no activity on the account. Each month they have also been reporting the account as newly closed, usually reporting its closed date as the day the update to the account is submitted to credit bureaus. I have past copies of my credit report showing that the date the account closed has changed several times to make the account appear as a new delinquency preventing my credit score and credit file from improving. It has recently been reported as closed in XXXX and then closed again in XXXX. XXXX and Equifax are both aware of the multiple inaccuracies which violate several policies that would require them to remove the account from my report but have failed to due anything to correct my credit file even after monthly disputes and several phone calls from me regarding the situation. XXXX and Equifax continue to ignore these inaccuracies even though they continue to see and report these fluctuations in my balance and account closed dates that change almost monthly regardless of the many disputes I have submitted as well as disputes by XXXX XXXX whom I have contracted with to assist me to do the job of the credit bureaus. I would like this account removed immediately from my credit file as it should have been months ago. I do not feel that Credit Acceptance is capable of discontinuing inaccurate reporting as there have been over 1,000, 000 complaints of the same nature filed against them with the XXXX   and the CFPB. If this file is not removed in a quickly and timely manner, in hopes to reverse the damage done to my credit file and financial well being, I will being a lawsuit against XXXX, Equifax, and XXXX XXXX.
As is normal now, I received an email from Bank of America that my financial info may have been compromised at an 'undisclosed merchant. ' The bank and merchant should be be disclosed, so I can decide how to proceed. Not having to disclose the merchant helps remove certain accountabilities. 


Security Alert : We 're Issuing You a New Card To Help Keep Your Information Safe We 're letting you know your card may have been part of a compromise at an undisclosed merchant. This does n't mean that fraud has or will occur on your account and as always, you are not liable for fraudulent transactions when reported promptly. However, as a precaution, we 're issuing you a new card which will arrive soon. 
You may continue to use your current card until your new card arrives. Once you receive your new card, the old one will no longer be valid. Please activate your new card as soon as you receive it. Keep in mind, your current credit card will deactivate on XXXX/XXXX/2016. 
Your security is important to us We 're continuously monitoring your account ; however, if you do notice any charges you did n't make, please call us at XXXX, 24 hours a day, 7 days a week.
The company identified above only provided a response in request to the application of the payments. The premise of the complaint was based on the partial application of the monthly payments as the company was taking money that was meant to be fully applied to the outstanding P & I and applying partial of it to late charges every month therefore reducing the amount being applied to the past due P & I. Late can be satisfied upon maturity of the loan so it does not hinder the myself, the consumer 's ability to catch up on past due P & I. Why would a financial institution be allowed to satisfy their late payments before I can satisfy my past due P & I. IE. I I pay {$200.00} towards past due P & I and they only apply {$170.00} to past due P & I and the remaining to their late fee. This does not sound consumer friendly. Per the CFPB Loan Servicing guidelines. you can not pull late fees from a monthly payment to satisfy any fees incurred prior to satisfying past due payments. Which is therefor reducing the amount of monies being provided to catch up any past due payments. If you look at the application of late fees and total the amount they have reduced trying to catch up monthly it would drastically reduce the amount past due and would allow me to bring my loan current. Fees as high as {$55.00} were deducted from my monthly payments when trying to catch up and this has been happening on a monthly basis for more than 6 months now. The company has flat outright lied to you as the original breakdown we previously requested identified nothing that was provided by the compliance manager in the previous complaint. I am wishing for the reversal of late fees and those to be applied to the monthly outstanding balance to reduce the delinquent amount owed so I can satisfy and bring current. I am also requesting copies of all correspondence prior to this complaint to be upload in the system. This letter should be dated for the month of XXXX.
Bills from XXXX XXXX of XXXX that I discovered in my credit report and referred for collection to American Adjustment Bureau. XXXX referred me to AAB, AAB has not responded with verification of amount and veracity of charges.
Back in mid XXXX of 2015 my listing went under contract. The buyer agent had sold me on the broker with Geneva Financial, a XXXX XXXX XXXX # XXXX, would be able to accomplish the deal. As the transaction proceeded, the bank who I represented agreed to do repairs to the roof for financing purposes. The finance broker agreed to pay for the buyer repairs. He the broker said he would build it into the loan. I verbally said, OK and he proceeded to have a firm enter and do work in the amount of {$3500.00}. Originally we were to close on XXXX/XXXX/15, and it was then extended to XXXX/XXXX/15 from broker request to finish up. Well it was still not meeting that close date as his people were not done or he had to anticipate other factors. I do remember the turning point was when his camp all of a sudden said they were ready to close and needed an addendum putting the XXXX vendor repair costs on the seller side to be approved. My asset manager said no way, that we had only approved for the roof. Well from that point on it got dragged out until I called the CEO of Geneva Financial and reported him. He made changes and we closed in one week. The bad behavior was his stalling tactics keep all parties with no direction for over three weeks. Well fell out of contract due to his in action. Also rude treatment of the buyer agent pitting her against the buyer who she had worked with for over 2 years. Also the escrow officer had to know the status and he 'd never return phone calls. Absolute rude, fowl language along with no follow up to anyone in the actual parties to successfully close. Buyers agent has XXXX or XXXX other deals with this guy so he 's treating her badly as he knows he can control the way the financing goes with them. I will never use nor recommend this broker to anyone and he should be investigated for the behavior alone. To end the buyer had over 30 days to wait because of his stalling tactics. I accused him early on that he was holding hostage the loan for his own benefit thinking someone would pay the {$3500.00} that he had some idea would go on the other side of Hud statement and no one would detect, what an XXXX. 
Completely unprofessional in that he 's not truthful, lies and abusive.
I have called and mailed all three agencies to remove tax liens from my credit report and a judgement that was paid and ex husbands liability and was resolved over 2 years ago. 
Please have XXXX, TransUnion and XXXX remove this from my credit report and rescore my credit. 
Thank you! 
The Consumer Financial Protection Bureau said the federal regulator had received roughly XXXX credit-reporting between XXXX XXXX and the end of XXXX. A CFPB report issued early this month said many consumers complain that nothing changes when they dispute items in their credit reports, even though federal law requires the credit-reporting companies to conduct a reasonable reinvestigation and update the data to show necessary changes or delete the item.
To whom it may concern : My name is XXXX XXXX. On XXXX XXXX, 2017 I sent several certified letters over to each of the creditors and credit bureaus and you have yet to correct the error account that you are reporting on my credit profile. You continue to send me a bogus verified code account. I am unaware of the accounts listed below and have no knowledge of the accounts. I have never applied for any of the accounts. I have no idea, credit cards and have never applied to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX At this point I am fed up and I am distressed. My only result is to take legal actions, I remained professional through out this situation and Ive sent in certified documents hoping that you guys would correct the error in respect to violationg my rights within The FCRA. I am only left to contact the attorney generals office in XXXX XXXX County, also File a police report against your company for using my credit profile and placing error accounts on my profile without my consent and this isnt the first time that you have done this to me. At this point I am fed up and in distress with the XXXX that you are causing. You have caused me so much problems and I will make sure you pay the consequences and court fees of {$10000.00} in court fees for violating me through the FCRA, placing error accounts on my credit file and other violations. At this point this is my final attempt to resolve this issue out of court. If you feel that I am wrong please feel free to provide me with all the necessary steps, documents used to determined that this debt is for me and I am liable for it. Please provide me with the necessary information and detailed copies of the paper work and documents. Thank you please.
My personal information was included in the list of potentially stolen information from the Equifax hack revealed in XXXX 2017. They have offered access to additional credit protection services.
I am not sure if this is the right category for my complaint. I have contacted all three credit bureaus about my credit score decreasing by XXXX points. After speaking to a representative at both XXXX and XXXX about the issue they assured me the credit bureaus would have to explain what happened. So far none of the XXXX have been able to explain it. I pay XXXX {$6.00} a month to lock my credit report and notify me of any changes to my report. No one can access my report without my knowledge or permission. XXXX, a creditor of mine, arbitrarily, increased my credit limit from {$350.00} to {$600.00}. I did not request the increase and XXXX did not view my credit report. My credit score went from XXXX to XXXX on XXXX and also dropped significantly on the other XXXX bureau reports. Each agency has tried to speculate about what possibly happened and none of the scenarios presented are applicable to me. My credit utilization went from 74 % to 61 % and that, based on all credit simulators and credit information online should have increased my credit score and not caused it to drastically decline. The representative at XXXX indicated I need to go out and use some credit. I do not want to keep increasing my debt in order to raise my score. I am currently trying to obtain a mortgage and have been diligently working on my credit score over the last several months raising it up from low XXXX to almost XXXX. After an unsolicited {$250.00} increase to a card with a {$93.00} balance my score drops like a rock! XXXX told me I need to seek a credit expert. I do not need a credit expert. I need to know why decreasing my utilization had an adverse effect and not a positive one as it should have. There is something very dishonest about this and because the credit bureaus attempt to say this process is done by some random calculation of the information is deceptive. Computer programs can be fixed for any given result. This is not random and take into consideration, now " XXXX '' is affiliated with XXXX major credit reporting agencies constantly making " recommendations '' to apply for additional credit and the credit bureaus are constantly pushing credit monitoring products for profit. I am not in control of my credit, the credit bureaus are controlling my life and taking away my choices. This is a scam to benefit the credit bureaus, credit card companies and not the consumers. I am being victimized, manipulated and exploited because I need to utilize the credit reporting system in order to acquire the basic necessities of life. I am not sure if this is a matter for this agency, for legislature or if I should contact an attorney but I am covering all bases. Average hard working people need regulations for this type of greed, abuse and victimization.
Calvary SPV 1, LLC has taken an action they are not legally entitled to take violating Title 15 U.S.C. 1692 ( e ) ( 2 ) ( a ), ( 5 ), ( 8 ), ( 9 ), ( 10 ), ( 12 ), ( 13, ( 14 ). They Are Suing Me on a Debt they Allegedly Purchased. 
They are unjustly enriching themselves by Lying and saying they Represent the Creditor after admitting to the Court they Bought the Debt alleged. 
They Have Failed to provide original Documents for inspection and copying as requested.
Dear Sir / Madam, I would like to bring your attention to the situation created by my Loan servicing company, Ocwen Loan Servicing LLC . Last year there was a situation when Ocwen by mistake paid XXXX XXXX taxes of a property owned by me but held by another mortgage company. Without realizing their mistake, Ocwen modified my loan for the first few months of XXXX. When I realized their error, I tried to resolve the error and reduce my XXXX by calling their call centers. When nothing helped, I created a complaint in the CFPB website, numbered XXXX. 

Here is how Ocwen Loan Servicing responded to that complaint : CFPB Case Response from Ocwen ( Can be verified in the case details ) " Ocwen is still in review of the account. '' After careful review of my case, XXXX XXXX XXXX, on behalf of Ocwen Loan Servicing LLC, on XXXX XXXX, XXXX, wrote me a letter of appology ( attached as proof ). In that letter she agreed that, " On XXXX XXXX, XXXX, Ocwen disbursed {$3400.00} from your escrow account to pay property taxes due for your property located in XXXX XXXX. It has since been confirmed that the property address located in XXXX XXXX is your primary residence, and is serviced by another mortgage company. Therefore the funds disbursed by Ocwen for the property taxes for the residence in XXXX XXXX were sent in error. '' XXXX XXXX XXXX, XXXX XXXX, XXXX ) She also wrote that, " In addition, your request to remove the escrow account from your mortgage was granted on XXXX XXXX, XXXX. After XXXX XXXX, XXXX, you are responsible for the payment of the property taxes and homeowner 's insurance in the property mentioned above. '' XXXX XXXX XXXX, XXXX XXXX, XXXX ) When Ocwen itself acknowledged that it was their error, in XXXX, how the same company in XXXX is sending me notice that my loan XXXX is changed to {$1200.00} instead of {$570.00} to recover the money Ocwen agreed they paid in error. 

I have anther property at XXXX XXXX XXXX XXXX IL XXXX. If Ocwen continues their standard of loan servicing what is the guarantee that they will not pay the property taxes due for that property ( and not managed by Ocwen ) and ask reimbursement from me? I am under considerable financial stress due to Ocwen 's error and would like your kind attention to get relief from this kind of infringement of my financial rights ( paying taxes for my properties without my consent and then forcing me to pay back ). 

As proof, I have attached different sections of the letter sent to me by Ocwen on XXXX XXXX, XXXX to acknowledge their error, the proof that I paid the property taxes in XXXX, XXXX to XXXX XXXX where my property is, email and website confirmation of both installments of property taxes due this year. I marked special section of Ocwen 's letter for ease of comprehension. I also attached Ocwen 's statements, and all the proof that I also submitted for the last year CFPB case number : XXXX. 

Your sincerely, XXXX XXXX ( XXXXXXXXXXXX ) XXXX )
I had a two year service agreement with XXXX for cable, internet and phone which ended XX/XX/XXXX. After disputing my final bill for {$130.00} with XXXX, my bill was sent to collection XX/XX/XXXX. It has been sold to various collection agencies through the years and is now with SW Credit Systems. SW has been re-aging the account every six months and currently shows on my credit report as of XX/XX/XXXX, which per the FCRA is an illegal practice.