WillisBack/dataset-financial-user-claim huggingface dataset:
My debt with XXXX XXXX was paid via insurance. However, there was an issue with billing or payment processing by XXXX, and XXXX placed the account for collection after it was paid. 
Trans World Systems Inc ( the collection agency ) received the account and reported it on my credit. 

I submitted a dispute via XXXX, XXXX, XXXX XXXX and the debt collection company in XXXX XXXX. 

I was denied credit recently because of the negative report. 

I followed up with XXXX, the validated today XXXX XXXX, XXXX, the account does not exist any longer. 

I called Trans World Systems today, XXXX XXXX around XXXX EST, the rep acknowledged my dispute was on record since XXXX, but they were unable to obtain proof from XXXX, and then said they will not remove it from my credit. 

This is a willful violation of the FCRA. 

Then, the rep attempted to collect on the debt after acknowledging it was in dispute in their systems. 

When I informed her that the debt was paid, she just violated the FDCPA by trying to collect on it, and was violating the FCRA by not updating my credit, she hung up on me.
IMMEDIATE CREDIT RECOVERY INC, is listed on my credit report as a derogatory mark. The debt with XXXX XXXX XXXX XXXX has been paid in full, on XXXX 2016. I would like Immediate Credit update there records and remove this from all credit reports.
I recently requested a 2 payment deferment for and automobile account I have Wells Fargo Dealer Services. The request was made XXXX XXXX and the deferment was approved. Wells Fargo reported the deferred payments delinquent to 3 three credit Bureaus XXXX, XXXX, & XXXX.
Hello I am writing to you hoping you can help me, I have had so many issues with my bank, I have called, went into local branch, changed my debit card twice and still same issue occuring, also when I had a refund in the amount of XXXX from XXXX on XX/XX/XXXX it never was processed, I called and finally after third time I was able to speek with manager who then proceed to apologize and say they where having alot of refund issues during that week, but that didnt help me with over 200 in overdraft fees, and my car insureance was going to be canceled because of the amount of money they where taken out from me with no refund, two days later I recieved an email from XXXX stating my bank is demanding the XXXX because it was fraud!!!!!!!!!! THEY ARE LIERS, AND I FILLED OUT FORMS TO STOP random withdrawals from internet sites such as XXXX, XXXX, XXXX, XXXX, ect they have charged me over 600.00 due to all of this and still proceed to withdraw. Can you please help?
forced disconnect of phone/ip line from XXXX has been force collecting since, thru ch XXXX keep reselling the debt and re age the account. refuses to work with XXXX. XXXX refuses to take action and keeps dropping my claims for XXXX reasons.
My complaint is about Equifax. Over the past 12 months, I have had several medical bills. I pay them all promptly, as I do all my bills. I was taken to XXXX XXXX XXXX Hospital 's emergency room on XX/XX/XXXX. I was required to make some payments while being treated, and got some bills later from a doctor who saw me, and other amounts were covered by insurance. The Hospital never contacted me about an outstanding bill. Nevertheless, at some point the Hospital referred an amount of {$290.00} to a collection agency in Florida. I had never been contacted by the collection agency either. On XX/XX/XXXX, I got a credit alert that the matter had been referred for collection and that Equifax was the source for the credit alert. I contacted the Hospital and paid the amount on XX/XX/XXXX. Equifax investigated and found no other problems. However, my credit card company sent me a notice on XX/XX/XXXX that my FICO score dropped 131 points based on a score provided by Equifax. I called Equifax on XX/XX/XXXX, and their representatives claimed that they only provided information but not a FICO score. I called my credit card company and they verified that Equifax provided the FICO score. I can only conclude that Equifax is not being truthful. I see no justification for the drop in my FICO score and would like you to assist me in getting it restored.
In XXXX 2016 I had a child and fell behind on bills due to not working and only receiving 50 % of my regular income Kay Jewelers called me every single day and kept telling me that they were going to continue to call me and I kept telling that I do n't have the funds to pay and I would have to pay my rent in order to keep having a shelter for myself and my family they continue to call me I asked him to stop calling me they then pursued my mother my sister and told them that to contact me by that time my whole family knew that I had a debt I was truly embarrassed and could n't believe that they would continue to call me after I had already spoken to I believe two supervisors in two different agents I did set up payments with them only because I was so embarrassed and had no idea that this website existed I 'm only reaching out because if there 's other people that are going through the same exact thing our voice needs to be heard we should not be harassed if they understand that there 's a situation going on they should wait or put at least a cease-and-desist like I had originally asked them and they continuously told me that nobody noted that that is not my fault someone needs to be coached on how to deescalate a situation or find a resolution at the first call and not have to continuously call the person and know how to put a hold date on that person 's account before contacting them again
I've tried multiple numbers and methods to get a human from the Experian system ( try XXXX XXXX XXXX for example ). The automated system requests personal information to validate you ( ie zip code, SS, etc ) and will not let you speak to any human. 

This is my problem : Roughly 2 years ago I was a victim of ID theft. I was able to add extended ( multi-year ) fraud alerts to all 3 bureaus but at least one of them ( Experian ) did not record my phone  number in order to allow me to be reached ( or at least this is what I managed to determine from XXXX XXXX XXXXXXXX XXXX XXXX ). The result is that I can't get a credit card that uses Experian for validation because I can't find any way to add my phone number to their system. I also tried submitting my ID with a request to their UPLOAD address to make this change, and the reply came back : " We were unable to honor your request. '' From what I can see, I have no way to use my credit to obtain new credit, and no way to contact the company responsible for this. I would expect in this modern day and age there should be some way to address this simple issue by phone or email ( or their own internal upload system ) but they have made correspondence with their company literally impossible ( except perhaps by snail mail ).

I would expect it is illegal to control consumer 's credit and not permit the consumer to communicate with the company, so I was hoping you could help me address this issue, and I thought you might find this behavior interesting.

Thank you for your assistance. I have a 10 digit reference number ( useless for contacting Experian ) as a result of the " We were unable to honor your request '' reply, if you would care to have access to that. I'd like to further add ( and perhaps there is a second complaint issue here ) that their " upload '' section is insane. It appears to be clearly designed to keep 99 % of the people out. It has a requirement that the files uploaded must be either TIFF in black and white only, or a PDF. How many people do you know can take a picture of their licence or other ID, take the ( likely JPG file ) and convert it to PDF? You can forget the black and white TIFF, because nothing will be legible from that. It looks like a B/W photocopy - nothing is identifiable. Can YOU make a PDF from an image on your phone? Does this seem like a reasonable demand to you?

Adding further to that - here is what I went through attempting to use their " upload '' service. First, I tried uploading the JPG from the phone - Experian reported only TIFFs are supported. I then tried converting to ( color ) TIFF ( the files are huge BTW ). It reported a maximum of 15 MB is supported so these are not acceptable uploads. I then brought it into XXXX XXXX and shrunk the resolution of both images and uploaded again. It then states the TIFF MUST be B/W. I converted the TIFFs to B/W and noted that they were illegible. I then went back to the original images, brought it into XXXX XXXX, resized them to fit on a page, printed as PDF and saved the file to upload. Net result? " We are unable to honor your request ''. Does this seem reasonable to you as a guardian of consumer information? 

-XXXX
There are 2 collections reporting on XXXX with Commonwealth one in the amount of XXXX the other XXXX and I have been disputing this for some time now. Every time I try to get validation of the debt they show a new open date. Now it 's showing the two things just opened. I have not been to the hospital in over 4 or 5 years and this continuously reports a new open date. 

I have never received anything from a doctor 's office indicating I owed anything
I 've placed fraud alert on my credit report due to identity thief I 've reached out to, XXXX Experian and XXXX informing them this XXXX XXXX XXXX Acct # XXXX acct does n't belong to me. I 've even asked for acct verification with my signature, I have n't yet received this information. I 've called numerous time and have talked to customer service. 

XXXX : Dispute # XXXX, XXXX, XXXX, XXXX Experian Dispute # XXXX, XXXX, XXXX, XXXX, XXXX XXXX File # XXXX - I 've sent XXXX disputes and 4 pone calls
My Tuition Answer Loans with Navient is behind and they keep calling me and saying that I am in default, they tell me to contact XXXX to resolve this, however they do n't have any idea of why I am calling them at all. Navient is not willing to do anything for me what so ever outside of harassing me to no end. I have requested a income repayment plan they denied it on the bases that I am behind. I have made it very clear to them that due to this I will make payment how I can, they are not happy with this. 

This makes no sense what so ever, and is not the kind of dealings that should happen what so ever. I simply want ALL my loans in XXXX simple income related payment.. what is so XXXX hard about this.
IM, FIXING MY CREDIT, FROM XX/XX/2015, BY MY SELF, WHERE ONLY UNTIL THAT DAY HAD XXXX ACCOUNT IN COLLECTION WHICH PAY THE DAY IN XXXX XXXX THEM RETURN TO CHECK MY CREDIT IN THE MONTH OF XXXX, AND FIND AN ACCOUNT IS OLD READY REMOVED FROM MY CREDIT BECAUSE THIS ACCOUNT IT MORE THAN XXXX YEARS OF THE COLLECTION XXXX XXXX XXXX, OF THIS AMOUNT IS $ XXXX.IS PUT AGAIN IN MY CREDIT AS IS WERE NEW WITH OTHER AGENCY CALLED JEFFERSO CAPITAL I WOULD LIKE TO KNOW IS LEGAL OR NO. I WANT TO RESOLVE THIS PROBLEM AT SOON IS POSSIBLE THANK YOU I HOPE SOMEONE CAN HELP ME. THANK YOU AGAIN..
Approximately 6 years ago, I was going through a divorce after being a XXXX for 16 years. Having XXXX children in college and desperately needing money, I accepted a credit card from Wells Fargo. Sadly, I used to pay bills which led to me reaching my max amount very quickly. Everything was fine until I missed a payment and my minimum amount was increased to a point where I could n't afford to pay it anymore. I tried calling to make different payment arrangements and was told " use your tax refund to pay us ''. I have struggled so much financially and emotionally over the past several years and they only made everything worst. Now they sued me, put a lien on my house, and are garnishing my wages even when I do n't even make enough to pay my bills. I feel Wells Fargo targets people like me who are vulnerable and desperate. They knew I no income and still issued me a card knowing that owned a home. They took advantage of my situation based on the information they have about the equity in my house ( they are my mortgage company. I hold my self responsible, but I also want something to be done to prevent other people from going through suffering an experience like this. Wells Fargo should not issue credits cards to people who are not employed knowing that they can after their property.
This letter is an effort to get an entry on my credit report removed, because it is not accurately reporting. The public record company on my credit report was asked to remove their entry off my credit report, and there reply was, they do not report to the credit bureaus. See attached response letter from US Bankruptcy Court,  XXXX XXXX of Texas, XXXX Division. 

I forwarded a copy of this response from the US Bankruptcy Court, XXXX XXXX of Texas, XXXX Division, and all three credit bureaus still refuse to remove the entry from my credit report. They received this information from XXXX, which is not a credit bureau, and considered a 3rd party that sells people personal information to the credit bureaus. The US Bankruptcy Court,  XXXX XXXX of Texas, XXXX Division where my case is, do not report to 3rd party information brokers or credit bureaus. That makes the information being reported inaccurate, and I am asking that it be removed immediately. I have sent correspondence to all credit bureaus, and 3rd party information brokers that have any of my information for sell to put a credit freeze on my file.
i keep sending this information I get no answers once again i need answers on the loan modification it clearly states my payment start on XXXX/XXXX/XXXX, why was the escrow not collected from XXXX/XXXX/XXXX, instead of starting per chase on XXXX/XXXX/XXXX where is all the escrow money from payments fron XXXX/XXXX/XXXX to XXXX/XXXX/XXXX Your payment work clearly states all this information so where is the XXXX for those six months You representatives clearly told me many times my escrow is collected from XXXX to XXXX so where is XXXX to XXXX? Also on another letter dated XXXX/XXXX/XXXX it clearly says effective XXXX payment was XXXX of XXXX, so that will add another month in question refe number on letter is XXXX, so this refe number clearly says my loan stated in XXXX so why does escrow go from XXXX to XXXX? 


OM THE MORTGAGE STATEMENT DATED XXXX/XXXX/XXXX it clearly shows escrow payment should have been XXXX there is not amount as this on escrow history paper they sent me so how much was added in the account for the XXXX/XXXX/XXXX payment on the payment statemented dated XXXX/XXXX/XXXX it states that on payment due it is only XXXX but on the history paper work sent to me it clearly shows XXXX was put in to escrow where is the rest of the money on XXXX says XXXX goes to escrow but on the history sheet it only has XXXX where is the XXXX XXXX why is there a XXXX money added into principal curtailment where did this come from on XXXX/XXXX/XXXX i paid a extra XXXX on escrow but it clearly shoes they added it to principle curtailment why also on XXXX/XXXX/XXXX for the amount of XXXX and XXXX/XXXX/XXXX for XXXX and XXXX/XXXX/XXXX for the amount of XXXX for XXXX for XXXX my copies from the bank clearly show it was escrow deposit is n't that illegal since my receipts show it was escrow in XXXX there are several months that my payment was suspended and never was added into a payment this also will make escrow short the months are on the transaction history clearly shows they were never added in XXXX, XXXX XXXX I have asked this be answered they are not answering it going back to XXXX/XXXX/XXXX I was also cheated out of money stated at XXXX then they took out XXXX saying i had minus XXXX then added back in XXXX coming up with a plus of XXXX you can look at this and see its incorrect why was this not corrected what is a loan maintenance for XXXX dated XXXX/XXXX/XXXX
In XX/XX/2018 I purchased a home in XXXX XXXX XXXX, Utah. Roundpoint bought my mortgage so I did not choose to do business with them. They have been difficult to deal with from start to finish. The most recent example when I tried to do a mortgage recast. I made the application following their procedure to the letter. I offered a very substantial bulk payment towards principal reduction - {$360000.00}. After going through their " rigorous calculation process '' ( their words ) they FedExed me legal documents to sign stating that they would give me a {$0.00} reduction in mortgage payments in exchange for a several hundred thousand dollar principal reduction payment. And for this " rigorous calculation '' they charged me {$300.00}. I should also note that they tried to get me to make the premium reduction payment BEFORE they made a decision about my recast. They say it was a mistake - but their " mistakes '' happen on a regular basis and always in their favor. 

I also would like to note their bullying tactics to try to get you to purchase their services. I received a very accusatory call asking me why I had not yet made my monthly payment. It was completely absurd as I was WELL within the timeframe I had to make a payment and my check had already been sent. The person on the phone then went on to imply that I seemed like I might have trouble making payments and that I had better purchase the service or risk adverse consequences to my credit rating. It should be noted that in 24 years of home ownership, I have never missed a mortgage payment once. 

In the best light, this is a horrifically sloppy way to handle financial services. However, I feel there is a pattern here that needs to be addressed. Read the XXXX reviews and look at the recently settled class action suit against them in you will see that I am far from the only person who has experienced these types of issues. 

XXXX XXXX XXXX
Good morning CFPB, I wanted to add to my file case # XXXX. I wanted to also state that they have miscalculated my income to expenses, Bank of America has denied me on the programs Hardest Hit Fund/Bank of America 's loan Capitalization program. I have my application completed as showing {$7300.00}. B of A is showing {$6300.00}. Now of all these programs out there I can not believe that none can qualify us for a new a Loan Modification. Ok thanks for your time.
I disputed fraudulent accounts on my credit report with XXXX, TransUnion and XXXX in writing twice. I requested that XXXX, TransUnion and XXXX send me DOCUMENTED PROOF OF VERIFICATION of the fraudulent accounts as per 15 U.S.C. 1681g. Additionally on XX/XX/2017 @ XXXX I spoke with a Supervisor by the name of XXXX XXXX of TransUnion over the phone and verbally requested DOCUMENTED PROOF OF VERIFICATION. I specifically asked verbally and in writing for the DOCUMENTED PROOF TransUnion has on file proving that the fraudulent accounts were properly verified in accordance with Federal Law at 15 U.S.C. 1681 g, i and 616 and 617. <P/>Today I sent my THIRD request for DOCUMENTED PROOF as per 15 U.S.C. 1681 g, i and 616 and 617 from TransUnion and XXXX as the fraudulent accounts remain on my credit reports 30 days after my request for DOCUMENTED PROOF and I have STILL not been sent the documented proof requested in the first XXXX letters. <P/>I have fraudulent inquiries that I request be removed as they are not linked to any accounts on my reports and were fraudulently made by identity theft.
I sent this company a letter requesting debt validation in XXXX, this company never responded to my request.
On XXXX XXXX, 2017, I went on Regions.com online banking website to make a payment on my Regions XXXX  Card. The payments are due on the XXXX of each month. I made a payment of {$100.00}. I received confirmation of it being received. A couple of days later, i checked back to my online account where it showed ( ACH Return ... {$100.00} ) I did n't think much of it at this particular time, until I made the XX/XX/XXXX payment for {$200.00} and the same thing happened again. I checked with my Financial Institution to see what was happening. It was determined that the transaction was pulling from my savings account, instead of my checking account which is the account I always pay my bills. I only keep a very small amount of dollars in my saving account. I was told that I had left off a digit that should precede the account number. I was never told that was how it should be done until this issue came about. If you look at my history of making payments, you will see that I am consisted in making my payments on time. I value my credit worthiness and have worked hard over the years to maintain a high standard of excellence when it comes to my credit score. I am sending extra documentation to help substantiate what I have written in this statement. Please reconsider removing the negative information from my credit reports with each credit bureau. Thank you. XXXX XXXX XXXX XXXX
XXXX is attempting to collect a debt. They call me during work hours and I have told them XXXX orally that I am in a HIPAA controlled environment and I am not allowed to take calls not pertaining to work. I have on three occasions told them a proper time to contact me is during my lunch at XXXX. They have never attempted to contact me during that time and continue to call outside of that time.
On XX/XX/2018 my daughter, XXXX called the customer service number for Chase Bank XXXX to close our joint checking account because me moved to North Carolina where there are no Chase Bank branches. The balance in the account was {$2500.00}. XXXX advise the representative of our new address which was different than the North Carolina address they had on file. She was told that we should receive the check in 7-10 days. 

We called Chase Bank again on XX/XX/2018 because we had not received the check and were advised they had mailed the check to the wrong address. When we advised the representative ( XXXX ) we were told that we'd need to go into a branch and complete some paper work for a lost/stolen check. We advised the representative that there are no Chase branches in the state of North Carolina we were told that we'd have to go to the nearest branch which is XXXX miles away. I was told they could not do anything further. I asked to speak with a supervisor and was told the supervisor would tell me the same thing. I insisted and was transferred to " XXXX '' who advised me that he could submit a research request on my behalf on the check. I advised XXXX that I know that we did not receive the check, and that we would not receive the check because they mailed it to the wrong address. I asked if they could place a stop payment on the check and reissue another check in its place and mail it to the correct address. XXXX advised me that he would " take care '' of if for me and I should receive the check in about 7 days. 

On XX/XX/2018, I called Chase at XXXX to advise them that I still had not received the check. I was told by the representative that the check was processed on XX/XX/2018 and I should have received it on by XX/XX/2018, but because of the Labor Day Holiday on Monday, XX/XX/XXXX it would take an extra day. 

On XX/XX/2018, I called Chase at XXXX and spoke with representatives XXXX then XXXX who advised me that they would have to submit a research request and someone would call me back that day ( XX/XX/XXXX ) On XXXX XXXX, I received a call from XXXX at Chase Bank who advised me that they had received the check back. I asked what happened to the other check that they processed on XX/XX/XXXX and was told there was no other check issued. My next question was, why would all of your other representative lie to me about mailing out the check? Which she only apologized for. She advised me that because the amount of the check was more than {$1000.00} that I would have to complete affidavits. I asked why since they already had the check in question in their possession. She told me that she would personally take care of it and get back to me.