WillisBack/dataset-financial-user-claim huggingface dataset:
Midland Credit Management has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. So I sent them a letter requesting they verify this alleged debt and they ignored it and are still trying to pursue this alleged debt
I cancelled my American Express Card ( account XXXX ) but the company refused the credit the annual fee back, hence I could not close the account. Every month, for the last XXXX months, I am charged a late fee of {$35.00}, which has increased the outstanding on the card to {$160.00} ( annual fee plus month charges ). I called up XXXX multiple times, but they have refused to credit back the monthly and annual fees. Since the payment is outstanding for XXXX month, they will be sending it for collection.
On XX/XX/XXXX I applied for a credit card with Capital One and received an instant approval with a credit limit of {$2000.00}. When trying to download the ap I noticed the account was restricted and I reached out to capital one. I was told by 3 fraud reps that Capital One made an error with my application and it was approved in error and I would receive a letter in the mail on how to proceed. No one was able to validate what error was made by Capital nor how  it could effect an account being approved. On XX/XX/XXXX I noticed that account was closed and I reached back out. I was told that Capital One accidentally linked a promotion code to my account and that the account was closed to " protect me ''. I advised that the excuse given was NOT acceptable. when applying for credit a customers profile is pulled along with income information to determine their creditworthiness. Capital One told me to reapply but its not a guarantee I will be approved. This is a poor credit practice and it is not fair to me as a consumer to be approved for a product based on my personal information imputed and then told there was an error on CO side and the account was closed. capital One still has not explained to me how a promotion code could affect my approval. As I stated an approval is based on each individual consumers person information and credit report.
On my Experian credit report XXXX in the inquiries section XXXX Bank has been requesting my credit report monthly. I called XXXX and they have no record or knowledge of this and suggested I dispute it with Experian so they could locate the source. Experian would n't allow me to dispute this and said they could do nothing about it. I was told to dispute any wrong information found. Are they not suppose to follow up on any questionable information on a report? This is the same company that merged me with someone else last year and it took months to resolve. Frankly, I no longer trust the any of the credit reporting companies.
Equifax has repeatedly verified the accuracy of Bankruptcy Case XXXX which is appearing on my consumer credit reports. Equifaxs claims that their subscription to XXXX is an acceptable form of verification. I have sent certified/return receipt dispute letters to Equifax requesting verification of the reported bankruptcy. These dispute letters were received by them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Upon receiving their last response that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ) that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. In the meantime, I also obtained a letter from the US Bankruptcy Court in XXXX, NY, which clearly stated that they do not provide any information to the credit bureaus. Equifax 's claim that they verified the Bankruptcy through the US Bankruptcy Court is false as I spoke with a clerk through the phone number they provided on my credit report and she provided me with a letter confirming that is false. Furthermore : PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals ' Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, Equifaxs claim that their subscription to XXXX was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, Equifax is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance. I implore your agency to please assist me in having this unverifiable information from a database ( XXXX ) that does not allow access to any personal identification information, removed from reporting on my credit files. Equifaxs practice is highly damaging to my credit and I would be remiss not to request your assistance with this issue. Thank you for your time and assistance in this extremely important issue.
Fraudulent charges were made on my account for services that were never rendered. My credit report was corrected after investigation by XXXX and XXXX, but I had tried unfruitfully to communicate with Equifax and it 's being impossible. Last thing they told me before the phone call was cut, was that my actual physical address, where I 've being living for 6 years now is not in their records and now I recently found they just removed it from my credit records after that ( they had it ) while the other agencies still have it.It 's being very frustrating. First I tried online, then, I tried to send them an email that they never respond, and finally I called then by phone. When I was in that process the representative just hung on. I 've being trying to file a dispute with them and they are refusing to do so implying, apparently, that I am stealing my own identity.Last thing I did was to send the filled dispute form by mail ( I include a copy in the attachments ) to their address. It was ten days ago, and the only reaction I had from them is that they removed my current address from their report ( The other XXXX Agencies still have it, like I said before ) .I am contacting you becuase I do n't have anybody else to help me with this problem. thanks in advance!
I have a complaint regarding the overdraft fees that were billed to my checking account. I have a complaint regarding the overdraft fees that were billed to mychecking account. I was charged XXXX overcharge fees for XXXX withdrawals in which I had funds in the account. I contact your office and spoke with a representativewho credited me with XXXX of the fees back. However, the XXXX fee was never credited. I just do n't understand how I can billed for an overdraft fee when the fundswere in my accounts. I contacted the office of the president for Flagstar Bank and my compliant was pushed aside. Flagstar has now filed a writ of garnishmentwith my employer.
We have mortgage with the M & T Bank for our property located on XXXX XXXX XXXX, XXXX XXXX, CA XXXX. We paid {$150.00} more with our XX/XX/XXXX mortgage payment for the shortage in the Escrow account. My wife called M & T Bank and asked them to deposit this additional amount of {$150.00} to the Escrow account. But they did not deposit this amount in the Escrow account.
During XX/XX/XXXX I filed a Chapter XXXX filing in Federal Court. On my filing I reconfirmed my mortgage at XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX OHIO XXXX with Bank of America account number # XXXX. My wife XXXX XXXX who is also on the mortgage and deed did not file with me. We worked with the CFPB during this process and had our mortgage was modified and final approvals from BOA and XXXXXXXX XXXX coming during XX/XX/XXXX. At this time we signed and returned documents back to BOA that included updated XXXX XXXX Ohio mortgage deed papers to be filed in the County with both of our names on this updated deed document. 
We are now approved for a new mortgage with a bank/2nd home in Florida this year and the new bank after reviewing the BOA mortgage documents from our OHIO property mentioned to us that BOA says on the monthly documents that our OHIO property according to their documents is still subject to the Bankruptcy court and the property was not re-affirmed by me/us. 
I called this week XX/XX/XXXX and talked with XXXX employee # XXXX BOA and she told me that BOA does not have me re-affirming the loan on my Chapter XXXX filing and that we are just " renting '' the house from BOA. Pretty surprising that BOA not only has the Chapter XXXX filing documents that recieved from the court wrong in their database but that they don't even show our mortgage was modified them and this re-finance included new county ownership documents that were filed by BOA. 
After the Great Recession and the thousands of home owners that worked with the CFPB and modified their mortgages I wonder how may other consumers have the same incorrect paperwork on file at BOA????
Transunion fails to remove the XXXX XXXX XXXX account. Transunion reports incorrectly that this account is paid monthly. Transunion reports incorrectly the date of first delinquency. Transunion fails to verify the authenticity of this account. Transunion reports incorrectly that I must bring this account current even though I received a XXXX Cancellation of Debt from XXXX XXXX XXXX. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
I booked a hotel room through XXXX, for a hotel room in XXXX XXXX, IN. The 1 night stay was on XX/XX/2018. Upon arrival, the hotel staff charged my ( CITI credit card ending in XXXX ) for XXXX and stated that it was just to cover incidentals, which I know is normal, however it was never refunded even after being told it had been refunded. My credit card is stating that it was a legitimate charge but that the XXXX charge was never used so they took it upon themselves to initiate a dispute for that amount of XXXX ( CITI card ending XXXX ). The amount I paid on XXXX was the correct charge but the hotel and the credit card company will not reverse the charges that the hotel charged for the same stay. I have tried numerous times to get corrected since that date and even have email where hotel reported having refunded the money, however, it has not been placed back on my card ( XXXX ). I have documentation showing the numerous times I have tried to get corrected.
Experian knowingly report inaccurate information refuse to comply with multiple request to provide verification of account yet certified the information is accurate. Report number XXXX Disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NE XXXX Phone number : ( XXXX ) XXXX
Continued attempts to collect debt not owed. The original creditor states that my complaint does not belong to them. I never received prior written notification of this debt giving me a right to dispute this debt. I have reason to believe that this debt is tied to an address I never lived at. The law states that you must report accurate information and give me written notification in which you did not do. I never received written notification because you do not have a valid and accurate address for me.
I have disputed the following accounts : 1. XXXX XXXX Account # : XXXX 2. XXXX # : 3 ... 
On XXXX XXXX, 2016 I spoke to XXXX XXXX ( Experian Consumer Affairs employee ) regarding the above mentioned accounts. I was informed that a Contract was never provided but simply the above mentioned companies simply press verified in Experians system. I am requesting a contract bearing my signature as it is illegal to report non validated inaccurate information to FCRA 's. I was also made aware that Experian has been sued before for this practice. Please supply the requested documentation or delete these items from my credit report as they are non validated in accordance with the law and inaccurate.
RoundPoint has transferred my mortgage to XXXX XXXX XXXX , XXXX ( XXXX ) on XX/XX/XXXX. I was informed not to process any payments after XX/XX/XXXX to Roundpoint and that I needed to do nothing about automatic drafts scheduled after XX/XX/XXXX as they would not be processed. RoundPoint processed the automatic payment from my checking account on XX/XX/XXXX and failed to immediately transfer this payment to XXXX as a received payment for XXXX. XXXX processed an automatic payment from my checking account as a result on XX/XX/XXXX. I contacted RoundPoint to ensure this balance would be transferred before my XXXX due payment but the several contacts to the company did not resolve this and XXXX processed another mortgage payment from my checking account on XX/XX/XXXX. Upon contacting RoundPoint after this, I was informed that they put my money in a suspense account rather than transferring it with my loan to XXXX. I have contacted them again and they still have not transferred my money to apply to my mortgage with the new company. This has resulted in my finances being interrupted as these funds have been tied up for the past month. I 've made countless long calls, have had multiple failures to escalate, been called a liar about this payment, have been transferred to the main queue to start all over during calls, and not received any of the multiple callbacks promised by RoundPoint 's customer service.
XXXX and XXXX were in the process of buying a property in XXXX, Florida. The process started around the beginning of XX/XX/XXXX and lasted until XX/XX/XXXX. The mortgage company was Universal American Mortgage Company ( UAMC ), and the loan officer that handled the loan was XXXX. The entire process lasted around 4 months. It lasted so long that we needed to provided the same information ( updated ) over, and over again. XXXX was XXXX, she was put on XXXX around XX/XX/XXXX. She had a XXXX on XX/XX/XXXX and was put on bed rest as well, she was XXXX weeks XXXX. Her XXXX was going to last until the XXXX which was going to be around XX/XX/XXXX. Because of her XXXX on XX/XX/XXXX she was put on bed rest until further noticed from her doctor. Because of the length of the approval process UAMC requested new payments information on XX/XX/XXXX. UAMC saw different numbers from the ones they saw around XX/XX/XXXX. XXXX and XXXX informed UAMC ( XXXX ) that XXXX was XXXX, that she was put on XXXX by her employee, and that she had a XXXX on XX/XX/XXXX. UAMC told us that they were going to disapproved the loan because of XXXX being on XXXX, best rest, and because of that reason she was going to make less money. UAMC told us the only way they will approved the mortgage loan was only if XXXX returned to work, provide proof of she being back to work, and also provide proof of her new payment information. XXXX did n't have other option than cut her bed rest and return to work by the end of XX/XX/XXXX. XX/XX/XXXX was forced to returned to work under pain medicine in order to get the loan approval by UAMC.
I am not sure where it came from. A debt collection company is claiming I owe {$190.00} from XXXX. I have not dealt with XXXX in 10 years.
I open 3 accounts 5 years ago within Bank of America in XXXX. All three are under my business name : XXXX XXXX XXXX XXXX, XXXX. One of the account is being used for ACH. I explained to the officer when I was opening the account that it is because part of my business involved wire transfer. Each year, they made me file out the forms related to XXXX and I always provided the documentations required on time. If something is wrong, I called to inquire info and fixed the problem. In XX/XX/2018, I submitted all the document, and last month, on XX/XX/XXXX, they sent me a letter telling, that all my accounts will be closed in 80 days. This is a business decision. 
For the last 5 years, I have been a loyal customer, never have a NSF or a check return. I would like to know why Bank of America decided to take that business decision which is jeopardizing my business. Tax season is coming, I already provided all my bank information to the Clearing House. I would like someone to intervene and reverse this decision. Thank you.
M LEONARD & ASSOCIATES called me and told me that if I pay the the amount I owe they will delete it from my account but after taking that they did n't delete it. When I called them back they asked me to pay {$45.00} more so since I want to get it deleted I paid {$45.00} more
I opened a secured credit card with  XXXX   XXXX , I deposited money in my account that was already open and they took it from there. I never received a notice as to where the funds would be deposited or if I was getting interest on the account. My account was closed by them and I never received a letter stating where the money i deposited was applied to. They originally reported that I owed {$410.00} and I disputed that and th ey brought it down to {$110.00} only because I disputed it. Those action lowered my credit score. And I ha ve yet to receive any letters on what happened with the deposit.
My data and my wife 's data was hacked at Equifax, their fault not mine. I have registered my SS # and have the service set up. I started trying to get my wife registered on XXXX XXXX through their web site. Nothing happened so I called Equifax, at the phone number in their email to me, it was busy several times, finally told to call another number. Equifax will not accept my wife 's data to activate the service because we have the same phone number and email address. Now they are pointing me back to the phone number I started at.
I recently set up payment plans with a collection agency in XX/XX/XXXX, I set up for XXXX dollars at the end of each month to be taken out and for the first payment to be taken out XX/XX/XXXX. I paid XXXX dollars over the phone for the month of XX/XX/XXXX over the phone the same day I set up my payment plans. Well then at the end of XX/XX/XXXX someone took out XXXX dollars out of my account which I didn not give consent to. I strictly stated over the phone for the second payment to start in XX/XX/XXXX so I know it 's only XXXX Dollars but I did not consent for that money to be taken out of my account. I have been playing phone tag with the people for over XXXX weeks now and I want my money I never gave any consent for that payment to be taken out so I feel as I was robbed it is impossible to speak to anyone who speaks great XXXX so calling this company repeatedly does nothing. XXXX XXXX XXXX XXXX XXXX are scammers in my eyes!!
Someone tried to activate service under my name with XXXX XXXX without my knowledge or consent. I am disputing a credit inquiry from XXXX that was submitted to XXXX XXXX on XX/XX/2018. I am asking that the inquiry be removed from my credit report as I did not authorize this inquiry.
My husband and I took out  Parent Plus loans for our  XXXX  kids for college totaling {$110000.00}. We consolidated the separate loans into the one hu ge loan amount and the disbursement date w as  X/XX/2008 .  Unfortunately my husband is in the   XXXX   XXXX   and about same time first payments were due is when financial meltdown happened and my husband lost his job.. What was then  XXXX   XXXX   said to  put in forebearance during this time.. We did.. And had to off and on during the next 5 years or so due to difficulty in finding permanent employment in the financial climate at that time.. During this time we had to file for bankruptcy, sell our home after almost incorrectly being foreclosed on. For last several years we have steady employment and every monthly PLUS loan payment paid in full and on time. ( would like to point out during the time of off and on forebearance we Never allowed our loan to go into default ). Very long story made kind of short our loan balance is currently {$160000.00} from what started as {$110000.00}  loan.. Due to capitalized interest our loan balance has   increased over {$50000.00} ... Insane!! We asked Navient several times along the way to possibly reduce at least a portion of the capitalized interest because that just increases the payment therefore increasing the difficulty to pay.. Was only told they do not reduce interest.. Seems as though at most vulnerable time  Navient  has totally robbed us by increasing loan amount and not being willing to work with us at al l .. We take  this debt as well as all debts with seriousness they deserve.. Those were very unfornute terrible financial times and deserve a little more flexibility and options rating than being taken advantage of.. Somehow when speaking to cust rep at  Navient today I was told our loan term had been extended due to forebearance and also 3 years for graduated repayment.. I assumed the 3 year portion was just part of the loan term. So what started as a 25 year term is somehow now 35 years. ( was told five for forebearance and three for the graduated repayment.. Which obviously still does not add up to  10 year increase ) when asked for another number I could call to discuss these questions over inaccuracies I was told there is no number for that, only an address to mail.. I told him it is extremely hard to believe that a company as large as Navient and he is telling me there is no number to discuss discrepancies..
On XX/XX/18 I received a bill from IC System for XXXX XXXX. I sent a letter of validation on XX/XX/18 and to date, they have not responded, which is over XXXX days. This company has also listed this amount owed with my wireless carrier. Until this is removed, I am not able to make any kind of payment arrangements, upgrades or obtain them for internet.
I had to call national credit services in XXXX, wa so i could talk to them about the student loan. i told them i think that it might not be mine because i went to XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX, not XX/XX/XXXX. i asked to be able to look at the documents so i could see because i remembered seeing the discrepancy years ago. they wouldn't tell me anything about it. they just said that since it was consolotated that they didn ; t have any information on the original. documents. it wan ; t until after they made the payment that they told me that the bill was incurred in XX/XX/XXXX. but they wouldn't tell me anything else and wouldn't email me the information. 
i just want to seee the documents and i want to cal the consolodation company and find out what they have. and i want to make sur e that it was me, so i'm not paying for someone else 's education. 
if it's mine, i'll be fine with it, but i want to make sure. and i was denied that right. 
i feel that i was treated like a subhuman and preyed upon. 
i want justice, i should be able to see the information on the bills that i am paying.
I have disputed the late payment on this XXXX XXXX XXXX for months. XXXX and XXXX   have reversed them but Transunion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.