WillisBack/dataset-financial-user-claim huggingface dataset:
I am in receipt of my credit report dated in XX/XX/2017. Since obtaining my credit profile I came across this account that does not belong to me. I sent GULF COAST COLLECTION BUREAU certified letters and have not received a response from them regarding inaccurate marks on my credit report. I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing once again this alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for you to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!
In early XXXX 2015 my partner and I approached our local Wells Fargo branch in order to apply for a mortgage. They redirected us to a Wells Fargo broker at a different branch who initially pulled our credit report and told us that I would be better applying for the loan on my own based on my XXXX score. At that point we started receiving weekly e mails requesting documents and this has continued until last Friday, XXXX XXXX. It was my and my agents understanding that it would only take 45 days and the repeated requesting of additional documents has caused great stress to both me, my partner and the seller. Finally today we had reached our limit and have withdrawn from the process due to more documents being requested and have been told that we would not receive our earnest money back.
Thank you CFPB for assisting me in resolving this matter. To again summarize there is an account showing on my personal credit report from XXXX for {$1500.00}. The unverified account from XXXX showing a charge off of {$1500.00} from 2011 which I have brought to the consumer credit bureau 's multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt- which illegal and outside the statue of limitations to collect on. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that  XXXXCease and Desist all further communications and collection actives and provide the verification of the purported debt.
I applied for a reverse mortgage and was not understanding any of the procedures and most facts. I simply did not understand the ramifications or mortgage satisfactions. I needed to get rid of my mortgage payment as I was unable to make ends meet. I am aware of paying off my home mortgage for {$27000.00} which I believed was the mortgage I had. None of my XXXX mortgage satisfaction statements are in this amount. I also have satisfaction of mortgage statements for {$30000.00} filed as document loan # XXXX XXXX dated XXXX and recorded XXXX and notarized in Montana on XXXX. There is certificate of satisfaction of mortgage for {$33000.00} document # XXXX dated XXXX recording date XXXX ; and notarized XXXX XXXX XXXX Last satisfaction of Mortgage is loan # XXXX NM dated XXXX ; recorded XXXX and notarized in Montana XXXX XXXX. Also included is Schedule of liens for Home Mortgage of {$27000.00} and unknown Wells Fargo Bank lien XXXX for {$33000.00} of unknown date under schedule of Closing Costs. Dates and amounts of money are not congruent and it seems there has been some error or mischief involved with so many " satisfactions '' of mortgage which I do n't know anything about and need explained. At the time of closing I received a check for a little over {$20000.00} and my home had been assessed for {$150000.00} and my home mortgage was about {$27000.00}. It does n't seem to me that I received the correct amount of money. It seems that the amount is way too low. Enclosed also is a reverse mortgage statement of XX/XX/XXXX and a letter of confirmation of loan payment ; loan # XXXX that has no signature or amount. I have tried to understand the statement, phoned Wells Fargo and others and still do not understand it. I do not understand what has happened to me and need help in addressing the problems I still have with it. I have been suffering from inertia regarding this and am reaching an age where I feel I need my papers in order which they are not. Please help me.
Dear Officer I am writing to report that Bank of America has never listened to its customers and has never looked into their mistakes. 
I followed the instructions of Bank of America but Bank of America did not keep its own instruction. Please ask Bank of America why they have XXXX policies for the same transaction? 
Thank you! 
XXXX
when you contact this mortgage company you do n't get to talk to person. you leave a voice mail and they tell you they will get back to you in 24 hours and they never do. trying to get the loan redone and very little help from them.
Loans were taken out from XX/XX/XXXX-XX/XX/XXXX Loans were consolidated in XX/XX/XXXX.  However, I am in Texas and based on the statue of limitation accounts should be removed after 4 years. While, I am aware that I am still responsible for payments. It is reporting incorrectly with credit bureau. This also goes for student loans also. Data reporting is incorrect.
I never received written notification of the debt when I found the debt on my credit bureau I found that they had reported the account to the credit bureau twice effecting my credit score as well as my wife.
EQUIFAX mixed file with my sister. Contacted them several times but they arent able to fix the problem and its causing me problems when trying to apply for a credit card. Thank you
BBVA Compass bank violated our privacy when XXXX XXXX XXXX XXXX BBVA Compass Area Mortgage Sales Manager for XXXX / XXXX XXXX XXXX disclosed Nonpublic Personal Information ( NPI ) on XXXX XXXX 2015 to our realtor without our permission. XXXX XXXX disclosed to our realtor that the BBVA Compass bank underwriter had denied our home loan, and he discussed the reasons why our loan was denied. This violated our rights to privacy. To make matters worse, XXXX XXXX notified our realtor prior to notifying us of the underwriter 's final decision. We believe this is a clear violation of Federal Privacy Laws including the XXXX XXXX and XXXX C.F.R. Part XXXX. As a manager at a major financial institution, XXXX XXXX is responsible for overseeing the servicing of loans and mortgage applications, and he should have been aware of his obligation to protect our NPI.
I have found out that I am a victim of the XXXX  security breach. As a result of this I wanted to put in an extended fraud alert. the company website does not give access to a phone number to do so without " becoming a member '' meaning they wish to collect even more information. The XXXX number for the victims basically verifies that we are victims but provides no other services. My attempts to call XXXX failed even after a total of 148 mins on the phone on 4 different occasions. Similar failures occurred in regards to placing fraud alerts with XXXX and Experian as well. 

I am requesting that you contact these companies and have them provide us the assistance we need- we are victims of their greed and incompetence, and they have gone unregulated for too long. Please do help.
This is the XXXX complaint my husband and myself are filing against Ocwen Loan servicing.LLC. At the time of our first complaint we did not have the title document. I received it from our new lender. I faxed it with the property address to XXXX. And got no response. I emailed it not once but twice with the property address to XXXXXXXXXXXX. I received an email stating this was an active aaccount. Ocwen caused us to have to go with a higher interest rate and caused my husband 's credit rating to drop XXXX points. We should have closed in time to pay our sons tution, but did not. Had to take a personal loan witha high interest rate to pay. it. I feel the least they can do is restore our my husband 's credit rating. I am uploading the title document, email from Ocwen, the Lien release dated XXXX/XXXX/14 and the new bill hey sent dated XXXX. I also spoke with XXXX XXXX and sent him the information and was promised a responce and never got it.
Started in XXXX, tried to make a payment they had it preset to pay the full amount. So i had to cancel with bank. It made me late in which i called monday to make an immediate payment. I paid it then the following month it showed a late charge, i chatted with someon who said they would fix it, however the following month i had another charge. I then spoke with discover executives who had me speak to a young man in which i had the email showing my bill from discover was only XXXX He would never respond and noone called me back. I then made a complaint with XXXX 2 times, i have since paid another XXXX only to be told i have another late fee. I tried calling XXXX XXXX but she NEVER returns my calls. But they keep sending me late fees.
For years I have disputed the existence of the inaccurate account on my credit file listed by ALLY FINANCIAL. I am the victim of identity theft. I have corresponded with this company numerous times with no positive recourse.

I NEVER had an account ALLY FINANCIAL.
My account with Capital One Auto has had many late payments reported to the credit bureaus even after I paid the payments to them. Their system had some problems processing my payments so after I paid the payment they never took out the funds and then never notified me the payment did not go through even though I had the money for the payment. I have many many, many calls to them complaining about this problem which they never had a solution for or any action taken. They said it was my bank but I have never had any problems with any other company including a credit card I have with the same XXXX XXXX XXXX. This problem has ruined my credit. 
I would like the late payments removed from my credit report on all three credit bureaus. 
I do not have any late payments with any of my other creditors and have never had this problem with any other bills I have paid.
I applied and received approval for an education loan from Citizens Bank National Association to refinance my existing XXXX federal student loans. After executing the loan documents online, I was informed that the new loan would be funded on XXXX XXXX. On XXXX XXXX, I logged in to the Citizens Bank web portal to discover that Citizens Bank had created a loan account naming me as the debtor, and assigned the servicing of the loan to a third party. I checked the third party servicer 's records to discover that their records matched those of Citizens Bank, and that there was a debt in my name for the amount I initially agreed to. Interest had begun to accrue on this purported loan as of XXXX XXXX. 

I then checked my existing federal loan servicing account ( the " Original Loan '' ) to discover that the Original Loan was still outstanding and that according to their records, I was still responsible to make payments to them. 

I called Citizens Bank to figure out how I ended up with XXXX outstanding loans, and their representatives explained that it could take up to two months for my Original Loan to be repaid. The representatives claimed that a check had been mailed to my Original Loan servicer, but they had not been in direct contact with the Original Loan servicer, and I have not seen any records to confirm that the check had been mailed to the proper address. I was not informed that they would be charging me interest for a loan while their check was in transit, notwithstanding the fact that no actual funds had been funded on my behalf by Citizens Bank, and in effect, I was being charged interest by Citizens Bank for the repayment of funds that have yet to be credited on my behalf ( their check being purportedly in transit, but not yet redeemed ). 

I asked Citizens Bank 's representatives to defer interest on the purported loan that they made to me until funds were received by my Original Loan servicer. The refused, citing two separate provisions of the promissory note I had allegedly agreed to, claiming that these provisions together entitled them to charge me interest for up to 60 days without ever making a disbursement of funds. In other words, they said that they were entitled to charge me interest for a loan that has yet to be credited to me.
This is the letter I sent to DiTech : Ditech Financial LLC XXXX, SD XXXX To Whom It May Concern : How unhappy am I ... let me count the ways. This is the most awful, inept mortgage company I have ever dealt with. 
1. When I would send in additional principle as part of the free automatic payment the funds would not be applied properly until I called to complain. 
2. I sent in a payment one month and the processor misread the check, charged me a {$1000.00} over what I sent in, then argued with me that it was my fault. I eventually had to talk to a supervisor who said I was correct and the clerk misread the check. 
3. I sent in additional principle funds another month and it was applied to my next month 's payment, even though I specifically filled in the payment instruction portion of the statement with my check. 
4. I asked for the name and address of the CEO or President and was told they could not give me that information. 
5. Last year Ditech paid my hazard insurance late and I had to pay it myself to ensure there would not be a gap. 
6. Your company paid my flood insurance without my permission. It is an arbitrary insurance which is my responsibility not Ditech 's. 
7. If I wanted to pay my monthly payment online I am told there is a {$12.00} charge. This is the first company I 've dealt with ( and I 've dealt with a lot ) that has charged to have me give you money. When I inquired about my payoff amount which is {$940.00}. They want to charge me over a {$1000.00} for escrow even though I will not owe any more principle. 
If I ever have another reason to take out a mortgage, I will ensure that my mortgage is never sold to Ditech. I would appreciate a response. 

Sincerely, XXXX XXXX XXXX
I called Nation Recovery Center, Inc. Located at XXXX XXXX XXXX XXXX. XXXX, GA XXXX on XX/XX/XXXX. They informed me of a debt I was alledgedly sued by from a previos law firm holding said account. I do not recall this account. The party I spoke to who 's name was not clearly given to me told me I 'd have this alledged debt, from XX/XX/XXXX attached to any and all account related to my social security number. I do not recall the debt, was told I had to do something today because " there 's nothing I can do to help you wheb it leaves this office. '' I told him I do n't recall the debt from XX/XX/XXXX and that I 'm XXXX and do not have the money, nor recall being notified of the lawsuit back in XX/XX/XXXX in an attempt to collect. I was not given the oppourtunity to contest the debt and once told I was XXXX and unable to pay, if In fact I owed such debt, I could not pay it. I was given vague information regarding the debt and told it was for a " XXXX card, '' and nothing more. I was not given the initial debt holder, date of judgement, not any of the pertinent information regarding anything of use to me to verify such debt is legitimate. For all I know, this could all be made up in an attempt to get me to pay them money I do n't believe I owe, but again, I was never given the oppourtunity to contest the debt before being told it would " be attached to any and all account related to my social security number. '' I do n't understand any of this and I find that this debt collection agency to be in breach of Fair Credit Reporting Act and they used threatening tactics to get me to pay a debt I alledgedly owe.
Upon ordering a copy of my credit report, I see an entry listing Bankruptcy Chapter #  XXXX . According to FC RA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from  the consumer credit file.   The United States Bankrup tcy Court DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personal id entifiable information reported.   However, credit bureau actively searches public records for any judgments and tax liens through third party research.
I contacted all 3 credit report agency 's and informed them I was a victim of their " inquiry issue ''. And needed all of the credit inquiries taken off all 3 credit reports. They did not seem interested and pawn me off. I'm one of the real victims and not some person. Just trying to hack my credit report. Thanks for any help that can be given
I ordered cable and telephone services from XXXX XXXX. When the cable installer tried to install the XXXX, he said that they were unable to install it due to the direction my building was facing. XXXX contacted me and stated that due to their inability to fulfill their contract, our account was cancelled. However, I keep receiving a bill for {$450.00}. I contacted the company 's president 's office, who took care of it. They sent me a confirmation email stating that it was resolved by crediting my account to show a {$0.00} balance. I received a bill from their collections afterwards, so I resolved it with their Collections Department as well. They admitted that they did not provide us with any services, therefore will stop pursuing us for this bill. Several months later, I receive another bill from North Shore Agency, a national collection agency, for the same amount. 
Yes, I initially did in fact place an order for telephone and cable services from XXXX XXXX. However, they were unable to install the XXXX, for which I ordered. They cancelled my account. I have not received any services from them whatsoever. 
Please advise how I should proceed. This is hurting my credit score.
Wells Fargo has been extorting money from me for years. While I have brought it to the attention of the Consumer Financial Protection Bureau, nothing has been done about it and Wells seems to take money out of my monthly payments at will. They offer no balance sheets and no clear path to follow the money. They just keep taking money, regardless of any facts. 
In the most recent case where Wells Fargo has bled me for money claiming that my monthly payment was late, I asked what it would take to stop the gouging, how could I get them to stop taking money from my monthly mortgage payments under the cover of late fees? 
On XX/XX/2018 Wells replied, that I needed to give them {$580.00} by the XXXX of the next month ( attached ). So I issued 2 payments, one on XX/XX/XXXX for XXXX and the other on the XXXX for the months mortgage amount {$850.00} Please see attached document B. Yet without fail, on XXXX billing statement, Wells Fargo again charged me late fees. So in XXXX, I intentionally overpaid WF {$48.00}, ( see attachment ), and still they are charging me a late fee. 
It is clear to me, that there is on honesty in their service. There word has little to no value and they clearly can not be trusted. 
So here we are again. I am asking the " protection '' bureau to help with this matter. I have done what was asked of me in the XX/XX/XXXX letter, and I have gone above the request. 
There questions remain the same as they have always been.

1 ) How do you stop Wells Fargo from bleeding me?

2 ) Why hasnt Wells been honest?

3 ) How much more money do they need to stop manufacturing late fees?
I just received a notice ( XXXX/XXXX/15 ) that I have an Open Collection of {$540.00} for a XXXX Bill that is being collected XXXX. This bill was never mine and I got this discharged by contacting XXXX XXXX XXXX. XXXX years ago and filed a fraud report with them. They removed me from oweing this bill. Several collection bureaus since then have reported my oweing this bill to credit agencies, usually XXXX XXXX. Each time I contact them and try to resolve the issue, but this is getting very old! Each time I resolve it, the collection is sold to another collection agency and it pops up again. The last time, I just let it go and eventually, over time, it did n't affect my credit score that much. Now it has been posted to XXXX XXXX again and it has dropped my score from XXXX to XXXX! I have NEVER done business with XXXX in any way! The original date of this bill was probably XXXX years ago! I want this removed from all credit bureaus and stopped from ever happening again and immediately! Thank you for yourhelp in solving this issue.
This was an unused line of credit which has an erroneous report of late payment in XXXX of 2013. As there was never a balance on this account, there was also never a late payment.
Continue to call after I told them not to call any further. I told them to forward any information to the address on file. They also continued to call other people looking for me.
Bank Of America Charged my XXXX Platinum Plus Master Card XXXX {$5000.00} and I Never Received Any Merchandise. I Contacted Bank of America Right Away and Bank of America Told me that they made a mistake and the Retailer Closed the Account after Receiving the {$5000.00}. I was Forced to Pay the {$5000.00} to Avoid interest and harming my Credit Score. The {$5000.00} was money I had Saved From my VA compensation for a Mechanical Bed. Bank of America Case # XXXX I contacted XXXX XXXX Bank of America 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 Case # XXXX. When I contacted the Fraud Department They Recorded the Report I made and the Mistake They Admitted to on the phone but Stood by their Story that the Account Was Closed by the Retailer and he kept the {$5000.00}. I am a XXXX XXXX XXXX XXXX Veteran on a Fixed income and I have never recovered from this {$5000.00} Loss by a Big Powerful Bank. This is a Disgrace the way Bank of America and Master Card Treat Veterans. At the Time they Advertised on TV that you are Protected by Master Card and they told me on the phone that is not True in every Case.
I missed only one payment, and as soon as I found out made the payment plus the late fee, but I still got a " Notice of Foreclosure '' from Bank of America! This is very frightening. I have lived in this house and paid faithfully on the mortgage for over 17 years. 

I have been extremely ill in the last years and have been late on some payments. This documented illness is why I missed that payment in XXXX this year. Oversight, nothing else.
Despite my repeated requests to have the accounts deleted, TRANSUNION continues to report in my credit file outdated, factually inaccurate accounts with XXXX and XXXX. These belong to my former spouse and stem from an acrimonious divorce dispute with her. I simply want the accounts deleted as they each contain numerous errors and they have refused to do so.