WillisBack/dataset-financial-user-claim huggingface dataset:
I did a preliminary application with  XXXX   XXXX  to see if I could be pre-approved for a loan, however I was not aware that they were a sister-company f or Houston Finance in which I had previously had a loan. The company pulled my report without my knowledge, and when I contacted them to inquire about the preliminary application that I had submitted they then proceeded to inform me that they could not give me a loan because I 've had one before with their sister-company which was fine but I had no idea they had pulled my credit report until I viewed my credit report. I then called them to ask why would they pull that knowing that I had, had a loan with their sister-company but the representative could not give me a valid answer.      It is unfair to consumers for these companies to without knowledge to the consumer to pull credit reports before verifying whether or not the consumer has been a previous client.
I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with XXXX XXXX XXXX. This collection account was opened in XX/XX/XXXX - and currently has a balance of {$1100.00}. In XX/XX/XXXX, I disputed this account with XXXX XXXX and received unfavorable results. I called XXXX XXXX XXXX on XX/XX/XXXX in an attempt to discover what this account was for ... I was told that the original creditor is " XXXX '' and that XXXX XXXX XXXX removed this account from my credit report on XX/XX/XXXX. Then, I called XXXX, and they were not able to locate my name and/or an account affiliated with my name. This account is falsely and negatively being reflected on my Equifax and XXXX credit reports.
In XX/XX/2016, I ordered a prescription from XXXX XXXX -- -who is the only option with XXXX XXXX XXXX XXXX  . 

I never received the prescription. They refused to replace it without my paying for the full cost of the medication which was approximately 3X the cost I could get the same drug locally. Therefore, I stopped using the mail order and now use only local pharmacies. 

XXXX XXXX continues to try and collect for a service that was never provided. They hired a company called " NRA '' who refuses to provide any information until you provide Name, Phone, Address, which personally I don't like to provide " in the blind '' on a cold call. Even when I verified my name, that wasn't enough. 

They were trying to collect a debt from 2016. They couldn't provide a name or contact on whose behalf they were trying to collect. I cold called XXXX -- -and finally convinced them to write-off the amount and notify NRA .

NRA is rude, interrupts, and calls multiple times even though they say they put you on the " do not contact '' list and mark charge as " disputed ''.
this acct is showing up on my credit report when it is not mine and yet it has not been removed i have faxed copies of my information police report / id theft affidavit and identification in this matter
After providing their internal file number for me ( XXXX ), Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail.

The items I asked to be investigated are as follows : ACCOUNTS XXXX XXXX XXXX XXXX  XXXX not mine XXXX XXXX  XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX  not mine
My social security number was stolen to open accounts in my name. The account from Enhanced Recovery resulted from ID Theft.
I received a letter from stern recovery on  XXXX  saying the three accounts i have with them will be removed. They stated they would send it to the credit bureau at the end of the month. It is now  XXXX   XXXX  and they are still on my credit report.
This is not a duplicate account. Diversified Consultants is still not willing to delete this account even after XXXX has taken the account out of dispute status.
I am requesting with this written notice that the following inaccurate XXXX XXXX XXXX item be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. I have sent previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to remove them. If this final request does not prompt you to conduct to removal of the account and send proof to me of said investigation or removal, I will file a civil suit in XXXX KY for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.
My XXXX report shows three inquiries from Ally Bank on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have NOT had an account with this bank since XX/XX/XXXX. I have not applied for any loans, for any accounts, NOTHING from this bank. They NEVER had any permission to check my credit for any reason.
1 ) When we were offered our loan modification, we were given just one day to go over the documents, sign, and return them ( I have email proof of this ). This did not give us time to seek help in understanding the terms of the agreement. Therefore, we ended up with a balloon payment not really knowing what that meant. If we did n't sign right away, we would have just made all of the trial modifications for nothing and lost the house at that point. We worked so hard for over a year trying to get this modification, we signed not really understanding what we signed. I ca n't believe that it is legal to give borrowers 24 hours to sign such important paperwork. 

2 ) When our renters were unable to make timely payments on the property, we fell behind. I contacted the mortgage company to make a repayment arrangement. I was told to fill out a complete modification package, and then received notice that I was denied. When I was finally able to speak to someone about this, I was told that I did n't really need to fill out all of that paperwork and that they had requested it by mistake.The denial letter was for a modification, which I did not request. I had requested a PAYMENT PLAN to catch up. At that time, I requested a repayment plan over the phone, was given an apx. amount and was told I would be sent paperwork. When I did not receive paperwork, I tried multiple times to reach my point of contact, but was never able to get her, or even that department. I never received an actual amount, or date, to pay.No paperwork no call, no email. I then received notice that I breached the terms of the repayment plan! I never received any terms!! How can I breach something I did n't even see, sign, or know about?? 

3 ) I am never able to get a hold of anyone in their Home Retention Department. Despite calling at their advertised open hours, I am put on hold, transferred, told that they must have left for the day, all the while never getting the information that I need. I am always told by customer service that they ca n't help me and that I need to call back. 

After all of this, I want to sell the home. But, because of the balloon payment that was not explained to us, we wo n't be able to get enough out of the home to pay off the new loan amount. I am afraid to deal with Carrington directly, as I have had nothing but issues with them, as you can see. 

We have been swindled!
There have been several occasions since I was issued a Sam 's Club Credit Card. Initially, I was to use a card with my membership number, then later on I was issued a card with an account. number. The problems were unexpected because I had been paying the the bills on time. After I spoke my cause to the company, I expected the problems to stop, however, they have become worse. 

The problems : -duplicate charge of over {$200.00}, -unaccountable charge of {$47.00}, -card was denied at the register, -I would receive calls telling me there was a fraud alert on the account and I would have to call to clear the alert, and -the online account was not accessible. 

I prefer to pay my credit cards online. I also visit my online accounts frequently. I need the online access and the banks know that ; as such, I am convince they are harassing me as to discourage online activity as well as use the credit card. 

Although I have had few such issues with other banks, XXXX XXXX, and XXXX, SamsClub.com has been very troublesome. 

Please advise.
I paid mortgage for the month of XXXX and XXXX 2016 with XXXX separate checks of {$600.00}. I continued to receive statements claiming I was late. So I called and was told I left off XXXX per check. So I made payment and was told system will automatically know correct payments has been made and will apply payments accordingly. I was told will take 5 business days. After 3 weeks later they are still holding my mortgage payments in unapplied funds and charging me late fees. I have called several times to get this issue resolved to no avail. Please help
On XX/XX/2018, we sent a registered letter to XXXX XXXX, CFO USAA FEDERAL SAVINGS BANK, concerning our supposed mortgage. We respectfully invoked FDCPA and asked that she would answer some accounting questions. Instead of answering our accounting questions, she passed the responsibility onto someone working in the CEOs office. XXXX XXXX sent us a letter on XX/XX/2018, two days past the time required by the FDCPA. This letter did not answer weather or not we had the legal obligation to pay USAA FEDERAL SAVINGS BANK. While this debt validation process was taking place, USAA FEDERAL SAVINGS BANK sent us two bills and now a letter of default. Not only has USAA FEDERAL SAVINGS BANK violated the FDCPA, but they failed to validate that we had the legal obligation to pay them. USAA FEDERAL SAVINGS BANK also failed to answer weather or not they ever loaned us money in the first place. We would appreciate if you would take the time to look into this matter. We have all of the return receipts along with the original letters we sent in the attempt to validate this debt. We also have the envelope date stamped from the post office along with the paper letter sent to us from XXXX XXXX proving USAA FEDERAL SAVINGS BANK missed the dead line while failing to answer our accounting questions. Thank you for your most valuable time and consideration.
I paid this credit card off through money management a debt consolidation company. I even received a check for over payment of this account. It is on my credit report as missed/late payments.
I called Experian to ask them to remove a fraud alert that I did not place on my report. When the rep ask me a question he did not read the question correcty and therefore i answered the question wrong. After asking to speak with a supervisor and explaing to her that her rep was having trouble reading the question to me and it seem as if he did not speak english the supervisor then hung up the phone on me. Now I can not get through to customer service and I am being blocked from uploading my docements to prove my identity so I can remove the fraud alert. Hard working people should not be allowed to be treated this way by a credit reporting company. Please help me.
I see y'all XXXX still XXXX playing with my credit u XXXX XXXX I WILL BE TA SEE YA IN XXXX GA MONDAY GOT XXXX MORNING BEETA BE READY CAUSE I DID THE XXXX  PROCESS AND Y'ALL REFUSE TO DO XXXX AND CFPB Y'ALL AI N'T XXXX EITHER TO LET THIS FRAUD continue tho until somebody get hurt cause XXXX out here trying and y'all think I 'm gone let u keep doing XXXX XXXX XXXX to me I THINK THE XXXX NOT I ask nicely to get that XXXX  XXXX off my credit SO DAT WEB SITE TO FIND FOLKS OK ... I 'm federal property and all debts are prepaid so how the XXXX all that negative XXXX get the XXXX on my credit but XXXX cause u put FREEDOM in a book u think a XXXX ca n't and want read y'all XXXX move in commerce every XXXX day but think we do n't kw wat the XXXX yall doing so it 's my on now NO KEEP PLAYING WITH ME ... .HOPE Y'ALL CATCH A XXXX AND GO XXXX XXXX
I have illegally signed up by PayPal Credit. I was unaware that I had been signed up for this and never consented to it. According to a collection agency they stated this occurred in 2014. They are now stating I owe close to XXXX dollars due to interest that has accrued. I never received any bills or statements and the collection agency stated I have been sent notices to an address in which I do not live at. I never approved of having this account and feel I enrolled in this without my knowledge or consent. I am not aware of what this initial charge is even for because the collection agency would not tell me.
On XX/XX/XXXX I purchased 2 phones from Best Buy. There was a promotion in effect and I was supposed to receive a store credit of {$400.00}. At the conclusion of the checkout process ( which took more than 1 hour due to trainee errors ) they gave me {$600.00} instead of {$400.00} in store credit. I immediately pointed out the error and offered to give {$200.00} back. There was a long discussion between the trainer and the trainee, they clicked on a lot of keys behind the register, and ultimately they ( the trainee was there but the manager/trainer spoke authoritatively ) turned to me and told me that apparently there was a " computer glitch '' and that I should " enjoy. '' On XX/XX/XXXX I returned to Best Buy to spend the {$600.00} in store credit and purchased a computer for {$1100.00} ( with tax ). I paid with the {$600.00} store credit and I paid for the remainder by authorizing a charge of {$580.00} on my Best Buy credit card. 

In the months following I paid off and closed that credit card. 

On XX/XX/XXXX ( nearly 6 months after the store credit was issued ) Best Buy Credit Card services informed me that I owed an additional {$200.00}. After many phone calls and secure mails and emails and letters I now understand that Best Buy did an internal audit and found that they made an error with the extra store credit and they were attempting to rectify this 6 months later. 

The problem is that I had already made financial decisions on the basis of that extra {$200.00} and I have no way to undo those financial decisions at this point. 

I chose to purchase a computer at Best Buy on XX/XX/XXXX because I had that store credit. If I had had less store credit I would have bought a less expensive computer or not purchased it at Best Buy at all. If they had told me onXX/XX/XXXXthat the additional {$200.00} store credit was not valid then at that point I would have had the choice to buy or not to buy the computer - that would have been legitimate. But because they gave me that store credit and honored that store credit as a valid means of payment I purchased the computer in good faith. Now they are requiring me to pay an additional {$200.00} out of my pocket when I no longer have any choice not to make that purchase anymore. And because the computer I purchased is now used I no longer have the choice of returning it. 

I also point out that I authorized a payment of {$580.00} on my credit card ( see attached receipt ). If I had paid for the remaining amount with cash instead of the CC this conversation would never have taken place - they would have had no recourse. But because they knew my credit card number they felt the freedom to charge my credit card an additional {$200.00} without my authorization. Is that even legal?
XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, XXXX XXXX To Whom it May Concern : Experian XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, XXXX XX/XX/XXXX XX/XX/XXXX Personal Loans Cos. 
XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. 
Sincerely, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, XXXX XXXX
Midland Credit Management , Inc. ( Midland Credit ) is falsely misrepresenting the amount of alleged account XXXX, which is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Midland Credit provided documentation that shows this alleged account as having a balance of {$1500.00} ( see attachment ). However, Midland Credit has been reporting this alleged account on my credit reports with a balance of {$2400.00}. Midland Credit has also made several attempts to collect the misrepresented amount ( see attachment ). 

Midland Credit has stated that they have added interest on this account. However, Midland Credit has not produced any documentation that legally allows them to charge interest as stated in the FDCPA. Midland Credit has not provided a complete transactional history as requested numerous time. Midland Credit has also failed to mention if the interest added was simple or compound, the rate, and the time for which the interest has been added. 

This alleged account is not complete and inaccurate. I have expressed this to the original creditor, XXXX XXXX XXXX, and they agreed to delete this tradeline from my credit reports. As of late, they have not reported this alleged account on my credit files. 

As per evidence presented above, Midland Credit is in violation of the FDCPA. I respectfully request that this tradeline be removed from my credit reports with all credit reporting agencies, including, but not limited to : XXXX, XXXX, XXXX, and XXXX. 

I greatly appreciate the Consumer Financial Protection Bureau 's time and attention to this matter. I would also like to thank Midland Credit for their cooperation and attentiveness to this issue.
My Home mortgage is on a Bill Pay with my bank. The payment is due by the XXXX of every month and I have scheduled it for XXXX of every month to avoid any weekend, holiday type delays. Any way during the month of XXXX my payment was auto-scheduled and processed on XXXX of XXXX. I was out on business and when I returned on XXXX XXXX I noticed there were missed calls on my home phone from " XXXX '' on XXXX XXXX and XXXX XXXX. I called this number back and found out that this number belonged to my Mortgage Company. Once I verified my security information the first word I heard from the representative was " Sir, how would you like to pay {$130.00}? ". My immediate response was where did this come from? I was calling back to find out why the I had these missed calls ( note no message was left on my answering system by Seterus ) was calling me for which I had no idea. The representative " XXXX '' upon asking first said maybe because my payment was received after XXXX and was charged late fee. I told her that let me look on the bill payment, upon which I clarified to XXXX that my payment was scheduled for XXXX of the month ahead of the due date of XXXX so it can not be correct. XXXX then went on hold and then came back stating that my Escrow analysis had established that instead of my monthly payment of {$1800.00} I was to make a revised payment of {$1900.00}. Hene the shortfall of {$64.00} combined with LATE FEE of {$72.00} was overdue now. I tried to convince XXXX that this was not a delibrate mistake or intended delay, there was no information on my end that my payment had changed and XXXX did not leave any messages when they called. So I pleaded that given my pristine payment record at a minimum I should not be charged the LATE FEE. Especially given that no payment from ESCROW was due until XXXX timeframe and it did not make sense to levy a penalty of {$72.00} on a shortfall lesser than that and which was not even due to either the Real-Estate Property Tax payment OR my Home insurance. XXXX said she can not do anything. I insisted to talk to her supervisor. When XXXX 's Supervisor " XXXX XXXX '' came on line I told her this honest oversight should be considered for waiving the LATE FEE. XXXX held on to my first statement and re-phrased Oh! so you agree it was an oversight. I knew then and there she was trying to justify Seterus 's late fee by mounting on me that I was to be fully responsible for this oversight. And then between XXXX and XXXX they furthered the topic with threats for credit reporting if the overdue amount was not paid. Since I enjoy a credit score in XXXX range I did not want to argue with them and caved in to make the whole payment via direct debit from my checking account on the spot. I think it is fare if you levy LATE FEE and PENALTIES for something that has caused financial damage or has the potential to do so - but in my case it was plain simple that Seterus came back with a response of " Oh I got you ''. Very mischevious tactics for such meagre amounts from customers who have been on the dot with payments from last umpteen years.
Experian and XXXX both report an " XXXX XXXX XXXX Score '' ( Code 08 ) that is IMPOSSIBLE TO KNOW IN ADVANCE, and there is NO WAY to " improve it '', when there are ZERO ADVERSE ITEMS in both the " Experian '' AND the " XXXX '' report! 

This score appears to be COMPLETELY DIFFERENT from XXXX XXXX " overall '' credit score that gets given to this consumer via his bank on a WEEKLY BASIS!
XXXX ID : XXXX its been over 180 and my funds are not released.I have {$480.00} balance