WillisBack/dataset-financial-user-claim huggingface dataset:
The collection agency - XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ) falsely and repeatedly submit collection record to the credit reporting agency which has severely damaged my credit score - score dropped by XXXX in XXXX day. The dispute is regarding a medical bill with original amount of {$260.00} occurred in XXXX. According to the insurance company I had in XXXX, the amount of {$260.00} is covered by the insurance and I 'm not responsible for this amount. 

I had previously opened dispute cases with all 3 credit reporting agencies and the cases have closed and the collection records were removed. However, XXXX XXXX XXXX repeatedly report new collection record regarding this amount to agencies on almost monthly basis and has greatly damaging my XXXXredit score. 

Therefore, I 'm filing this complaint with CFPB and hoping to resolve this false negative record against me once for all.
Capital Accounts sent a collection notice to me on behalf of XXXX XXXX XXXX which was a previous disputed claim - the dental company was negligent and didn't send it to my insurance until after the filing deadline had expired. I paid it anyway on XX/XX/18 in the amount of {$790.00}. I called and talked to them and they said it would be posted and cleared from my credit report in 30-90 days. Now they have posted the collection again ( twice ) on my credit report as {$790.00}. This is a predatory practice. I have the bill showing the collection amount of {$790.00} and a copy of my ACH transaction showing I paid it on XX/XX/18.
I paid off my home on XX/XX/XXXX They supposedly mailed my escrow check to me on XX/XX/XXXX. I have never received it and it's now the XXXX. I think they are fraudulently holding on to my escrow XXXX and gathering interest on the money. I don't believe they ever sent a check. They have no tracking number for the envelope. This isn't the first time I have had problems with them when I paid off my house for a few days they tried to say that I owed more money. When I persisted they finally admitted they had made a mistake and misplaced my money. Whenever I call there to find out what I going on with my check someone answers the phone that can't even speak good English so I can't communicate with them and I'm given the brush off about my money. I'm also terrified I won't get my deed in the future.
I received a phone call from a relative stating I had an threatening phone call from Portfolio Recovery. I contacted the company and the representative stated if I did n't pay the account of {$560.00} in 30 days my wages will be garnished. I asked when was the last time a payment was made on the account she stated it was irrelevant and it needs to be paid immediately. I asked how long has this account been open she stated since 2007. I informed the representative to stop calling my relatives and I was told to send a letter and inform the company not to contact my relatives.
My complaint is with  XXXX , my wife and I leased a townhom e in XX/XX/XXXX with a    one year  lease at the time we were told that we had to use  XXXX  in that area because  XXXX  were not allowed. We called them for tv,  internet service  for a year and i n    XX/XX/XXXX   I called them and ask them to discontinue service which they said they would and ask me if I would keep  XXXX  and I explained to them that their services were not available in the area we had purchased our new home. the in  XX/XX/XXXX  I received a bill for upwards of {$600.00} I called and they said I had not returned my equipment, I thought we had but I went thru everything left and found the equipment and returned the equipment on t he  XX/XX/XXXX . I then go t a bill for {$360.00} and was told everything was not adjusted and they said you did not pay the last month and I explained to them I pai d 2 pay ments in   XX/XX/XXXX  a nd did not owe them, now they have informed that my call to them to disconnect the service in   XX/XX/XXXX  did  not count as they billed me for both  XX/XX/XXXX  and I guess half   XX/XX/XXXX a nd said they could bill until I returned the equipment I ask for a copy of this in my contract that was signed with me and was told thats what the notes say I dont think that is much of a contract I was also told they would review the phone call where I called to cancel but now they say they no longer have the phone call, I have spent several hrs time on this and would like to have this corrected at once.   XXXX   XXXX   XXXX    was th e mgr I spoke with, she also called and left me a message and ask me to send her other documentation that we had moved when I called and she would see if she could get this corrected I have called several times and left messages and have not received a call back.
On XX/XX/2018 I Submitted to the CFPB Case # XXXX regarding my inability to obtain a free credit report from TransUnion. 

On XX/XX/2018 the Company responded and stated the following : In order to protect your privacy, we will mail an updated copy of your credit report as well as the full results of our reinvestigation, to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. 

It is now XX/XX/2018, nearly 60 days later, and I still have not received my credit report from TransUnion. It was never sent to me. I never received the free credit report as promised.
I pulled a credit report a few weeks ago and I noticed an credit card was reporting on my credit file and I have wrote them several times requesting information regarding this account and I have no knowledge of this account but the company will not send me the Information I have requested
XXXX card has not updated my balance which is XXXX $ with the credit bureaus.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed in the attachments. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed in attachments. You did not verify that account when you said you did. Despite my first written requests, the unverified items attached still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a  consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
I finance a vehicle from Santander consumer USA back in XX/XX/XXXX. The vehicle cost {$17000.00}, I put down {$1000.00} balance left was {$16000.00} my payment every month is {$460.00} which I paid every month. My loan mature in XX/XX/XXXX. I went into their web site the other day to check payments, they have me owing {$11000.00} how in the world is this if my loan matures in XX/XX/XXXX. I've been paying every month ever since, I called the Company no one seems to know anything, I've also reported this to the XXXX  no one has ever called me to discuss this issue. When I look at all the payments something is Definitely wrong all my money I've paid has gone to interest this is crazy. I need someone to fix this problem I have all my paperwork with me. Or I can hire an Attorney to take care of this problem. They can take the Truck back call it even because this is crazy. I can scan all paperwork I have all documents, also they have me owing late fees of {$1200.00} which is incorrect they better clear this up. Please take care of this. Thank you, XXXX XXXX XXXX
I 've always had perfect credit. I went to get a loan on a truck and discovered that I had a derogatory account on my credit that brought my XXXX XXXX way down. I checked it, and it was a collections agency Enhanced Recovery Company reporting a debt for XXXX XXXX XXXX XXXX for XXXX  from XXXX. I have had a XXXX home phone and a XXXX cell phone for over XXXX years. In fact, I have never had XXXX XXXX XXXX. I tried disputing it through the credit reporting agency and got nowhere. I called the collections agency and they want a copy of my license, credit report, and SS #, which frankly I am not comfortable giving them under the circumstances.
A few months I disputed an unknown debt with XXXX XXXX and it was removed from my credit report. Now, late XXXX or early sometime this month, the debt was added back to my credit report under the collections agency of XXXX XXXX. I disputed this recent debt earlier this month and it was n't removed from my credit report.
I am a victim of the XXXX XXXX and XXXX data breaches. I requested my free annual credit report from LexisNexis. I also requested that my file have a security freeze placed on it. LexisNexis told me that they are not a credit reporting agency and would not give me a copy of my file or place a freeze on it.
Got a call from XXXX XXXX XXXX XXXX in an attempt to settle a debt. The lady I spoke to was very polite. I explain my situation being unemployed for XXXX and a half years and due to my age I probably want have another income until social security XXXX. After explaining this was my attempt to settle a debt. I told them I could pay {$450.00} and representative told me she had to consult her XXXX. I told her that I did want to have her repeat the words no we can not accept your offer. I heard her ask him something and she asked me how much I could come up with. I told her I had approximate {$500.00} to my name and we were willing to give to them to resolve the issue. This is when she insisted we speak to her XXXX. I decline to speak to multiple representative all attempting to leverage me.
I've been contacted on my work cell phone number 3-4 times over the previous 2 years by a company trying to collect a debt on my father ( who presumably used my phone number as a reference when applying for a loan ). I've instructed the caller in each instance to never contact my number again, and that they were illegally calling a work phone number. The last time they called was on XX/XX/2018. The company 's name is XXXX XXXX ( XXXX ), located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX. The collector provided his name as XXXX XXXX.
We refinanced our FHA loan on XXXX/XXXX/16. The funds were wired by our attorney to the old lender ( PennyMac ) on closing date ( XXXX/XXXX/16 ) as per the payoff letter attached. The payoff letter included a full month 's PMI payment for the month of XX/XX/XXXX. After closing PennyMac charged us two additional PMI payments in XX/XX/XXXX and XX/XX/2016 out of our escrow account, claiming that we closed on XX/XX/XXXX and those payments were for XX/XX/XXXX/XX/XX/XXXX. We closed on XX/XX/XXXX and the funds were received by PennyMac the same day as can be seen in the attached wire print screen provided by our attorney. We were overcharged those two additional PMI payments and PennyMac needs to credit our escrow account for those payments and refund us the funds.
I believe that I have been taken for a ride in an online business scam. When attempting to report this I have been directed to your website and I am hoping that with your assistance I can dispute charges that were paid to companies for what I now believe is an online scam. I do n't think it is fair that I can not dispute charges over 60 days old and I have been advised that this 60 day limit is not applicable since these charges are not billing errors. Earlier this year and throughout this year I have paid a several companies for various products and services that have either not been delivered or are different from that which was described. The charge that I wish to dispute on my Citibank card is {$500.00} charge from a company called XXXX XXXX XXXX.
On XX/XX/XXXX, I was doing my budget for the month and saw three charges for XXXX dollars ( totaling to {$250.00} dollars ) for XXXX gas stations. Two charges occurred on XX/XX/XXXX ( at XXXX EST ) and XXXX EST ),  while another charge occurred on XX/XX/XXXX. When I saw the charges, I immediately called Chase and told them that my debit card had been stolen and that it was used frauduantly. They told me they would put a credit back onto my account and would do an investigation. On XX/XX/XXXX I received a letter telling me my claim had been denied. I called Chase again and they told me that because I had logged in before to check my balance and since the card was inserted into a gas pump that I was liable for the charges. I argued with them and told them that I was asleep at the time. I have GPS from my phone showing that I was 15 miles away when the charges happened. They told me, " It's most likely fraud, but we are not reimbursing you. '' I filed a police report shortly after and then called the XXXX stations that were involved. They told me that they would not reimburse me, but that they would give me the number of the managers. When I called the managers I was informed that there were {$170.00} dollars that were bought of diesel gas at the pumps. I do not, nor have I ever owned, a diesel vehicle. I called again and the same run around. I was told they would reopen the claim but would not take into account the following items : GPS records, police reports, or receipts of the items. They told me that the only other option was to handle this matter in other ways. When I asked if that meant taking them to small claims court, they responded, " That is one method ''
On XXXX XXXX, XXXX I initiated a bank wire transfer for {$10000.00} USD from my Coinbase USD account balance to my personal bank account at XXXX XXXX which is linked to my Coinbase account. Coinbase referenced this transaction as # XXXX further known as Transfer ID : XXXX. 

The wire was supposed to complete within 48 hours and as of today, XXXX XXXX, XXXX The funds have not reached my bank account and Coinbase did not re-deposit the un-wired funds back into my Coinbase account either. 

I placed an internet support request on XXXX/XXXX/XXXX because Coinbase does not have live customer service agents to help with fund transfer issues and was given Case # XXXX. 

After more than a week with no response I placed another support request with Coinbase on XXXX/XXXX/XXXX and was given case # XXXX and as of today ( XXXX/XXXX/XXXX ) there has been no response from Coinbase. At this point they have apparently stolen my {$10000.00} US and I want it returned immediately.
On XX/XX/XXXX, First Franklin financial agreed to remove an inquiry off of my credit report ( complaint number XXXX ). To date the inquiry is still appearing on my XXXX credit report and I contacted XXXX today and they informed me that they havent received anything from First Franklin. Please mail me a copy of the letter that was sent to XXXX  to remove the inquiry from my credit report and resubmit it it to the XXXX.
In XX/XX/2018, we switched insurance carriers to XXXX for our homeowner 's policy., making sure to buy the same coverage that we previously had with XXXX . In XX/XX/XXXX, we received a letter from Wells Fargo stating that we did not have coverage for wind damage. Shocked, we called XXXX and were assured we did indeed have coverage. We then called Wells Fargo, staying on the line over an hour, and were told that the issue was settled. In XX/XX/XXXX, we received another letter -- same issue. We immediately called and again stayed on the line for almost two hours, this time while the Wells Fargo rep called XXXX. When she finally returned, she assured us that this time the problem had been dealt with. The next letter we received from Wells Fargo informed us that since we had not purchased wind coverage, they were buying a policy for us -- for {$1300.00}, {$500.00} more than the policy we bought from XXXX. Once again, we called, were on the line over two hours, and found out that Wells Fargo needed a declaration page from XXXX. It is a mystery to us why that fact had not been revealed previously. Meanwhile, Wells Fargo went ahead and took {$1300.00} out of our escrow account for the policy we did not need. The failure of Wells Fargo to correct an error they made, one that they assured us had been corrected three times, is unacceptable. We are older people with health issues, and this has caused us a great deal of stress and worry. We read over complaints on your web site and found others have had the same problem with Wells Fargo, so we can't help but wonder if this is a new scam cooked up to defraud consumers, similar to the credit card scam in recent years. We have advanced college degrees and were able to navigate the extremely and unnecessarily complex process to have this problem fixed. Many consumers would not have resources to do so. We would like assurance that, going forward, Wells Fargo will correct their errors quickly and with less time and effort required by their customers.
Chase promotes a service called Chase Quick Pay. Chase Bank then immediately withdraws the money from the parties bank account. Then they put a 3 business day hold on the funds stating that they do this to verify the transaction has n't been rejected by the other bank. If the transaction had been rejected it would n't go through in the XXXX place. This is a shameful play by the bank not to watch their assets but utilize funds being transferred from person to person to their own benefit. There was no reasonable explanation that the bank could give when I informed them that the funds had been withdrawn from the senders checking account on the day that I requested the funds. A 5 business day hold puts an unnecessary burden on the consumer who is the receiver and owner of these funds. It is also counter to the claim of it being a Quick Payment well known services like XXXX, XXXX, Stripe and banks that offer similar services like XXXX and XXXX XXXX do not hold funds for 5 business days when sent from other parties.They are either immediate or happen with 1 business day. XXXX is XXXX thing but this is excessive and overly burdensome to the consumer especially given how fast electronic transactions occur.
On XX/XX/XXXX, I opened a checking account at Citibank when they had a promotional offer of a {$500.00} bonus for opening a Priority Account. The requirements to meet the {$500.00} bonus consisted of opening a new Citi Priority Checking Account, depositing more than {$50000.00} new-to-Citibank funds and maintaining that balance for 60 consecutive days, and having a direct deposit into the account at least once a month for 2 consecutive months. I have met all 3 requirements. The fine print stated that the {$500.00} bonus would be deposited into my account after 90 days. I would assume that they would have done this by XX/XX/XXXX. A couple of months ago, I went into my local Citibank branch and one of the customer service representatives assured me that they would make that happen. When the bonus still didn't post, I went back 3 weeks ago to inquire. They seemed to file some paperwork but the bonus still has not posted as of today.
In XX/XX/2016 My Husband was put in the Hospital and was not given 6 months to a year During that time I missed a lot of work being the Hospital is an 8 hour Drive, and I eventually lost my Job and my husband, I was Called a Lier and even thou I Tried to make payments when I could they were never enough I was told to borrow money, loose my home sale my car. Do what ever I could to pay them. they came first.
XXXX XXXX XXXX is reporting inaccuracies on all three credit report. I have pictures which I will attached. I want my credit reports to be accurate as possible. Since there is no real VALIDATION of these I am asking that these get erased please. I 'm looking g to purchase a home and need my reports to be true and correct. I have sent a letter in the past asking for this to be fixed. Thank you in advance.
I have a XXXX personal credit card. XXXX and XXXX combined recently but I signed up for a XXXX card for a XXXX promo offer for XXXX points. The XXXX did not post to my account. I know the merger was to take place after XX/XX/XXXX but I applied and was approved for this card prior to the XX/XX/XXXX deadline. Now american express is declining giving me the offer because I had a XXXX card before and got a bonus with them. I feel as though I met the requirements for the card having got it before the XX/XX/XXXX deadline. Please help me get my XXXX XXXX points.
I HAD  XXXX  CAPITA L ONE CREDIT  CARDS COMPROMISED DUE TO IDENTITY THEFT. WHEN I CALLED  XXXX  APITAL ONE AND LET THEM KNOW I WAS NOT THE ONE THAT REQUESTED THE NEW CARDS OR CHANGED THE  ACCOUNT INFORMATION THEY TOLD ME THAT THE FRAUDULENT CARDS WOULD BE CANCELLED AND NEW CARDS ISSUED TO ME. THIS WAS ON  XXXX  -2017. THE NEXT DAY I REC EIVED AN EMAIL THAT THE BALANCE OF  XXXX  OF THE CARDS HAD BEEN PAID IN FULL. THE ACCOUNT THAT PAID THIS WAS NOT MINE AND I ASKED THAT THE PAYMENT BE REMOVED DUE TO THE PRIOR DAYS EVENTS. THEY SAID IT WOULD JUST FALL OFF THE ACCOUNT IF IT WAS NOT A LEGITIMATE PAYMENT. THEN I RECEIVED AN EMAIL FROM THEM SAYING THAT MY NEW CREDIT CARDS HAD BEEN SHIPPED VIA   XXXX   XXXX    XXXX . WHEN I TRACKED THE PACKAGE THEY WERE SENT TO THE FRAUDULENT ADDRESS IN  XXXX   XXXX  FL AND SIGNED FOR BY  XXXX   XXXX . I ASKED THE FRAUD DEPARTMENT HOW THE CARDS COULD HAVE BEEN EXPRESS SHIPPED AFTER THEY TOLD ME THE CARDS HAD BEEN CANCELLED. THEY TOLD ME THEY CAN ONLY DO ONE CANCELLATION IN A  24  HOUR PERIOD. THEY HAD NO NOTES THAT THEY HAD EVEN SPOKEN WITH ME ON  XXXX  -2017. THE O NLY CARDS OF MINE THAT WERE COMPROMISED WERE ISSUED BY CAPITAL ONE AND I 'M A BIT CONCERNED THAT IT COULD BE AN INTERNAL ISSUE.
I must start with the CFPB is a godsend when assisting consumers. You helped me resolve getting insurance money that XXXX would not issue me BUT now XXXX will not correct a 30 day late payment that they assured me would not be reported to the bureaus. I 've spoken with the Ombudsman office several times and they tell me the same thing, that its been submitted. I 've called Transunion and XXXX ( which is another nightmare in it 's self because of 3 party language barrier ) but I can not get any resolve. XXXX has correct the XXXX XXXX 30 day late. But Transunion and XXXX when they try and call XXXX they get a different person every time and a different story every time. Neither Transunions nor XXXX will correct the XXXX late payment based on the multiple letters from XXXX to me. They tell me they must verify with XXXX and XXXX will not verify they reported it incorrectly when the bureaus call them. I have that in writing from XXXX with the letter dated XXXX XXXX. XXXX then sent me another letter on XXXX XXXX stating they did not report incorrectly but as a " courtesy '' will report it as current. None of which has happened. I luckily was able to refinance my home with a local lender but had to take a higher interest rate because of this error by XXXX. I have every right to sue them but at this point just want to be done with this despicable company and pray in the near future they will be dealt with by their many victims.