WillisBack/dataset-financial-user-claim huggingface dataset:
I was linked to the Transunion website when I inquired about a free credit report. My understanding is that Vermont residents are entitled to XXXX free credit report per year. The only membership portal I saw when I linked to site was apparently for a 7 day trial for {$1.00}. It was not made clear that this was the incorrect portal for the free credit report. I was charged for membership services that I did not ask for. I contacted customer service and was told that their policies are very clear and that the charges are nonrefundable. During the call, I was offered a free month and a reduced price for " refreshing '' membership. I declined these offers and stated that I wanted the service cancelled immediately and requested to speak with a supervisor. I was told that the supervisor would not be able to help me, as they are bound by the same policies. The supervisor I spoke with told me that the only way to get the free report is through a separate website. He then said that he would refund one month of charges ( {$17.00} ). I am not satisfied with this outcome or the customer service I received. I feel that this company is aware of the confusion and does not want to rectify the issue as it benefits them financially and are operating in a predatory and dishonest fashion.
KIMBALL TIREY ST. JOHN # RON0****   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   , CA 92108   XXXX   XXXX   XXXX   XXXX   The above referenced credit collector made a false report on my credit report, an d in it they claim that I owe them {$1200.00} for a debt that they are trying to collect for their client     XXXX   XXXX   XXXX  .   I lived in those apartments, and I paid all of my due rent. After I moved out they stole my deposit, and did n't return it to me. Some months later I did get a letter from  Kimball Tirey St. John in  which they claimed that I also owed {$1200.00} for cleaning of the apartment. I left the apartment in a clean condition. When I called them in order to set things right, they told me that they already reported it to the  Credit Reporting  agencies after I had a ruling against me. The thing is that I never got a Notice to  Appear  in order to contest their falce allegations. Please help me ; I am recently married, and I am trying to buy a home for my wife. I work as a   XXXX   XXXX   XXXX   XXXX   in a   XXXX   XXXX   school, and  XXXX  's false statements is affecting my ability to get a loan for a home.     Sincerely,  XXXX   XXXX   XXXX  cell
My challenge is that there is a Public Record Information on my was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law, why is it reporting as a derogatory. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Debt Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from Transunion, XXXX, and XXXX with no success. They have refused to update information. Account to be removed : XXXX XXXX & XXXX # : XXXX
A trustee withdrew all money from a checking account, my count {$190000.00}, FBI 's count {$190000.00}. He was indicted for fraud, and I was awarded more than {$380000.00} in the civil case XXXX XXXX, XXXX. He pled guilty XXXX XXXX, XXXX, His first federal court appearance was XXXX XXXX, XXXX, and police reported he died that morning. The indictment was dismissed. He was not punished. I received no restitution. The present trustee will not show statements, and I may be about to lose another {$200000.00}. The bank is powerless to stop it. The trust provides the bank ca n't show me statements or allow my transaction. It 's a clever, legalized stealing scheme no one here has seen.
I will be XXXX by XX/XX/XXXX. What option if there is XXXX for cancellation or forgiveness I am struggling making payments of {$150.00} an {$50.00} in other ( XXXX loans ) total more than {$200.00} with a {$28000.00} salary, my wife does not work, I been paying since 2003 getting worse because I am diabetic and wife have health issues too. 
I do have another loan with wells fargo for {$380.00} and {$180.00} home assoc magmt payments please advise! 

thank you
XXXX   XXXX   XXXX  , The firSt one is   XXXX   XXXX   {$400.00}, I have notifications from  XXXX  showing this was paid and removed. I 've disputed with   XXXX   XXXX   and experian.   XXXX   removed this debt and it showed paid. Then all the sudden. In remarks it showed I was disputing the paid account in remarks.. It was then re-inserted on all   XXXX    reports. I 've read case law where this is against consumer laws and bureaus could pay monetary damage. I was never notified of it being added back to reports. I myself found it. Next, Again is   XXXX   XXXX   XXXX  ,  XXXX .. This was a   XXXX   XXXX   account. Back in 2012 it was added to my reports but with inaccurate information the amount being  XXXX .. I disputed it was removed. SUDDENLY in  XXXX  out of no where this shows back up being reinstated on my reports under 2 different companies appearing as a different account. 5 years later. I had my debt cleaned up. I had 2 accounts left to clear up. It again is against consumer rights to have something removed and reinstated years later. They 've damaged my score and has made my credit to appear horrible and caused harm. Third and final ..   XXXX   XXXX  . I noticed a bill from a Gas company on my report. I did some investigation and it was in another state.. West Virginia and an address had been added to my credit report like I lived at said address. I sent  XXXX  proof, everything they requested to show I had not lived there. Utility bill, Id, tax returns.  XXXX  and   XXXX   XXXX   removed the account from my report. Experian has not.  XXXX  has not removed the address associated as they said they would.
XXXX, XXXX, XXXX XXXX lawfirm is attempting to collect a debt that I do not owe them, and they have not provided sufficient response to my request for debt verification that they allege that I owe XXXX XXXX XXXX. 

On or about XX/XX/XXXX I contacted XXXX XXXX XXXX to  discuss an account listed on my credit report. XXXX XXXX  indicated to me on that day and on 2-3 additional calls that the debt has been transferred/sold to XXXX and that I should contact them at ( XXXX or XXXX ). In contacting them XXXX on or about XX/XX/XXXX, I was referred to XXXX, XXXX, XXXX XXXX law firm ( XXXX XXXX XXXX, XXXX ... fax XXXX ). In assuming that I would get the run around, I called and mailed XXXX XXXX XXXX requesting debt verification on or about XX/XX/XXXX using a letter that I drafted from CFPB resources. My letter asked for specific details regarding : Why they think that I owe the debt and to whom I owe it ; The amount and age of the debt ; Details about their authority to collect the debt ; and whether they were prepared to accept a balance less than what they were claiming. To date, the only response that I 've been provided in writing is a Balance Due on the Account ( {$1900.00}, plus {$260.00} in interest and court costs ) and the name of the Original Creditor ( XXXX XXXX XXXX ). 

Today ( XX/XX/XXXX ), the collection representative named XXXX XXXX told me that I owed interest on the account but he never confirmed whether XXXX XXXX XXXX purchased the account. XXXX XXXX forwarded me to the voice mail of another collections representative saying that his name was XXXX XXXX and that he was out of the office and could n't take my call. I then contacted XXXX XXXX XXXX and XXXX XXXX Legal Department ( XXXX & XXXX ) again to inquire about whether the account was in fact sold to the collections agency or if it still belonged to XXXX XXXX. They confirmed that they do not own the account and encouraged me to call back before XXXX in order to speak with someone in their legal department that was not available. I called XXXX XXXX XXXX again to speak with someone that could help provide more clarity about why they were collecting for a debt that I do not owe to them, and why they have court costs associated with XXXX XXXX who is denying ownership of the debt. They only looped me back into XXXX XXXX 's voicemail. Also on today ( XX/XX/XXXX ), I attempted to contact XXXX XXXX XXXX again  and they would only confirm that they no longer owned the debt and provided me the number to XXXX to further clarify this matter. In calling XXXX their phone system and representative hung up on me three times. 

Again, I am contacting CFPB because I believe that XXXX/XXXX, XXXX, XXXX XXXX law firm are illegally attempting to collect a debt that I do not owe to them, AND they have been giving me the run around through their communication methods. 

Attached is my request to XXXX XXXX XXXX. Here is their contact information : XXXX XXXX XXXX Phone XXXX Fax XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX
I graduated college XX/XX/XXXX/XX/XX/XXXX. In my entire college career I only took out XXXX loans, each for {$5500.00}, totaling {$11000.00}. With the exception of 1 year differed, I paid on the loan from graduation until somewhere around XX/XX/XXXX. In about XX/XX/XXXX, I was contacted by Citibank, that to avoid a serious increase in payments, due to a change in the law, I needed to consolidate my loan, which I did. Sometime in and around XX/XX/XXXX, I stopped to pay attention to my loan. Again, the orignial amount was only $ XXXX, I had been paying around $ XXXX/month for 7 odd years, yet the statement was saying I still owed $ XXXX. Something did n't make sense. I called Citibank informed them that I believed there was a problem with the accounting on my account, that I did not believe I still should owe any money and requested a full auditing of my account. I was sent some paperwork, but there was no auditing done on their end. I called to question this, and was told that Citibank sold my loan. Since then, I 've requested proof that I owe any money from every single collection agency that it gets purchased from. Every single one refuses. I tell every single one that I do not owe ANYTHING, and if they believe otherwise, they are going to have to prove it. Shortly after, my loan gets sold everytime. I have been a stay-at-home mother since XX/XX/XXXX. All income earned in the home is my husband 's. Yet, our XX/XX/XXXX taxes were withheld in the amount of approximately {$1600.00}. We filed a hardship, and they still kept about {$800.00}! Now, I 'm getting collection calls, AGAIN.
My girlfriend and I are going on a trip to XXXX. I purchased Euro 's through XXXX XXXX for use on the trip since XXXX penalizes US dollars. My girlfriend attempted to transfer her share of the cost of Euro 's to me. XXXX debited her account on the XX/XX/XXXX and has failed to transfer the funds or reimburse her account.
We 've made numerous attempts to have this company validate the debt. They have failed to provide any valid signature which is required by law. We are now filing a lawsuit.
Failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
I am currently dealing with an account with XXXX. The account was settled, but I 'd never received receipt or any proof of payment, all I have is bank statements stating that I paid them. this is still showing up every month as an unpaid debt on my credit report and as I am trying to purchase a house, this is really hurting my credit. My calls to XXXX and with the promise of an email stating that my account is paid and closed, But I never get anything and it continues to show up on my credit report every month as a delinquent balance.
I mailed everything to Experian to have fraudulent accounts removed from my credit report and Experian removed the account and reinserted it. I did not get any notification of the reinsertion and this has drastically hurt my chances of me getting a house.
I have attempted several times to find out what this collection is on my account. This is not my debt. It was opened in  XXXX  with  a south carolina address. I have been living in north carolina    since   XXXX   and i also checked on the address that is located on this bill and it does n't exist. my rights are being violated according to the fair credit reporting act. I have attached the copy they were suppose to send me verifying this debt. Its clearly not vaild. You can do the research yourself.
I have submitted several request to XXXX, Transunion and XXXX as well to the XXXX itself XXXX XXXX. Each time the account comes back as verified. I have disputed saying there is incorrect information being reported. They still say verified the reports has the Date of last payment XXXX payment history on credit file show XXXX having been. Date of first delinquency XXXX payment history on credit report has XXXX being the first reported delinquency
I transferred two balances from credits cards to Capital One in XX/XX/2018 with a promo rate of 0 %. The transfer was done on the Capital One site through the balance transfer portal but the credit card statement shows them as a purchase. Two statements later, I noticed interest was being charged. I called Capital One and the rep said the system processed the balance transfer as a purchase, it was a mistake and it would be fixed. I called back a week later when another interest amount was posted to my credit card account. I spoke to a rep, re-explained the situation and she agreed the interest was charged in error. She connected me to another rep who attempted to explain that there was no 0 % offer in place at the time I made the transfer and that the interest charges would stand and I would be responsible for them. I was charged several hundred dollars in interest. I have transferred many balances over the years and would never transfer to something that was not 0 %. Additionally, the first two reps I spoke with told me that their system made a mistake and I was charged interest in error.
I purchased a home in XX/XX/XXXX and my loan was purchased by Home Point Financial. The problem started in XX/XX/XXXX. Around XX/XX/XXXX I received a notification from a credit agency that Home Point had increased my balance. I was concerned so I tried to reach out to the company to get some answers. This is where the problem occurred. I called the number on their website and I spoke with a customer service representative who was unable to verify that I was a customer with Home Point. They transferred me to another agent who also wasn't able to confirm this information through any of my personal information or from the loan number that I receive on my bills every month. Their solution was that I must not have been a Home Point customer. I was frustrated but I called back when I had a printed bill in front me. The same thing happened. I was not able to get answers as to why my balance was reported increased ( even though I hadn't done anything ) which was frustrating but even more concerning was that no one that I talked to could give me any informatino about my account or why they were unable to confirm I was a customer with them. An customer service representative mentioned I must have been affiliated with another company and supposedly transferred me to that company. It was actually just another Home Point Representative who was also unable to verify my account.

I ended up giving up and getting logged into my online account and made sure my balance hadn't increased. I was satisfied with that since I had access to my account online.

I just tried to get logged into my account online and it appears they have changed their platform so all users ( including already registered users ) had to re-register. I tried to do this and again they said they were unable to verify my account.

I just want the service I deserve for paying for this service. I need access to my loan and I need to speak with someone who can help me within Home Point Financial.
Nationwide Recovery Services - XXXX XXXX XXXX The account was paid by medical insurance XXXX XXXX in conjunction with XXXX. I never received any type of bill and the insurance coverage that I had at the time covered all charges.
Capital One sent me an approved credit card with a XXXX XXXX dollar limit. This sounded like a good idea since my XXXX credit score was obliterated due to a house staying on the market for twenty months from XX/XX/XXXX to almost XX/XX/XXXX while trying to pay the new mortgage on the house we had moved to. After having the new Capital One card for a short period of time, they began sending me e- mails telling me that if I would update my personal info they would increase my line of credit. I did n't want an increase so I NEVER updated my profile. They increased my credit anyway. Because our finances have changed for the worst over the last several years there were many times I used the card still thinking I could get the balance under control. We are a family of XXXX living on XXXX annually, not so easy to do. Capital One offered me another card with no interest for nine months. I decided at least I could switch the balance since the previous card 's interest rate was now around 23 % and my balance was getting high. After I received the card I was told I could not transfer my previous balance to the new card so I was stuck. The first card has such high interest and I was trying very hard to pay it down but to no avail. Then with the new card they kept increasing my credit, again without me requesting this. Now the promotional interest rate is gone and the new rate is around 25 % just like the other and no matter how much I sacrifice here at home I ca n't get my head above water with reducing my balances with these XXXX Capital One cards. I understand I am responsible for what I charged. It just seems to me they are even more responsible and their predatory practices should be investigated. They are taking great advantage of the consumer. I know I 'm not the only one. My only goal was to help repair my credit. Now I am XXXX in credit card debt to these people and I do n't even know how it happened. It happened so fast. I have always been very responsible with my bills, but these last seven years have been like a financial nightmare. I wish I just had my bad credit and had never heard of Capital One. It is definitely affecting my health. I feel like a fool. Thank you so much for the chance to tell my story and I hope it will help other consumers in the future.
I have disputed this several items requesting proof of my signature and the original contract which they fail to provide. I continue to receive the same response each time and within two weeks of each dispute which is " the account has been verified '' I demand proof of contract and signature or immediate removal from my credit file. Acct # XXXX
Hi. I 'm a young guy and have XXXX credit cards, using them responsibly to build a good credit history. I have never missed a payment, and always pay in full. But, I 've since realized that one company, CitiBank, has been manipulating my balance by not applying cash rewards through statement credit as a valid payment. For example, if my statement is {$100.00} dollars, and I pay {$90.00} through a payment and {$10.00} from a statement credit cash back reward, they do NOT count my statement as paid in full. That means at the end of the month I get charged interest on the entire {$100.00} because they chose not apply the statement credit as a legitimate payment. There is nothing that clearly states this when using the statement credit ; the terminology and wording is abstract and not specific. Besides this being a practice that should be outlawed anyway - as it 's clearly an attempt to squeeze interest charges out of card-holders.
Chase bank ( JP Morgan ) is the bank i am filling this complaint against. 

On XXXX XXXX, XXXX, I did a quick pay transaction to XXXX via XXXX in the amount of {$1700.00}. the money was intended to pay for a car XXXX posted on XXXX for sale. After purchasing the car with {$1700.00} the paper work for the car XXXX gave me, i.e., a Marshal 's Certificate of Sale of a Motor Vehicle, to register the car was denied by Motor Vehicle ( DMV ). I started calling XXXX to get my money back since i could not register the car, since the chain of title was not proper. i called for more than 24hours, but he never picked up. Then i called Chase bank to report a fraudulent transaction. Chase then froze XXXX XXXX account. XXXX called me back immediately asking me why i called the bank to dispute the {$1700.00}. I let him know it was because he sold a car with deficient documentation. About 3 days later Chase bank credited my account with the {$1700.00}. XXXX text me saying since the money was returned to me by chase, he wanted to come picked up the car from my garage. i agreed. XXXX came and pick up the car. After XXXX picked up the car i called chase bank 's claim department to let them know XXXX XXXX picked up the car. I told XXXX the transaction with XXXX was over. XXXX said since i got my money back, was there any reason to continue the investigation. i said no, then they said i should put it in writing and fax it to them through any of there Chase Branch, then they gave me access to my account which has the {$1700.00}. 


On Tuesday, XXXX XXXX, XXXX, Chase bank reversed the {$1700.00} back to XXXX XXXX. When i questioned Chase bank about the reversal of funds, Chase said they did that because they determined the transaction was not fraudulent.I called XXXX on Tuesday, he did n't pick up my calls. When i called him from a different number, he answered the phone, but once he knew it was me he hung up the phone. i disputed the reversal of funds ( {$1700.00} ) with chase bank, but Chase refuses to restore the {$1700.00} to my account. i did not receive any notice from Chase that it was going to reverse the funds. attached are the text messages that shows XXXX took his car back when Chase bank initially credited my account. 


Thanks XXXX XXXX
XXXX  has the following information on my credit report and it is not correct : States I am know as XXXX have never spelled my name this way Shows an address of XXXX XXXX XXXX XXXX TX XXXX have never lived in TX Shows a collection account from XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX. This does not belong to me. 

Shows an inquiry from XXXX. I did not authorize this.