WillisBack/dataset-financial-user-claim huggingface dataset:
After Looking at my credit report I see that Afni , Inc is still Reporting inaccurate Information to the Credit Bureaus. 

I have ask for proof of Debt from Afni , Inc XXXX XXXX, IL XXXX RE : Account # XXXX Under Fair Credit Report Act XXXX & XXXX. without a response. To my request. 
And they continue to report inaccurate reporting.
I have tried to communicate through Attorneys to resolve the inaccurate information on my credit report with XXXX XXXX XXXX. and XXXX XXXX. XXXX XXXX agreed to correct the inaccurate amounts owed and remove the negative reporting of Three ( 3 ) XXXX XXXX/ XXXX XXXX Duplicate accounts from my credit report, once the accurate amount was paid. I agreed and paid the accurate amounts. XXXX XXXX XXXX XXXX reneged on our agreement and continued to allow the inaccurate Duplicate information to be reported by XXXX XXXX and XXXX XXXX companies, which consist of duplicate accounts with different account numbers. 1. ) XXXX XXXX XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account reference # ending XXXX. I paid {$260.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. ***Paid in Full Letters Provided*** 2. ) XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account # XXXX. I paid {$200.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. ***Paid in Full Letters Provided*** 3.XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account # XXXX. I paid {$130.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. ***Paid in Full Letters Provided*** XXXX XXXX and XXXX XXXX are duplicate accounts with different account numbers to deceitfully confuse the fact that these accounts are the same and inaccurate. ***
In XX/XX/XXXX I received a targeted offer from Delta   to receive XXXX Delta Skymiles and a {$50.00} credit by applying for the American Express Delta Skymiles Credit card. 
The provision was to spend a minimum {$1000.00} within the first 3 months in order to receive the miles and credit and to have the account in good standing. They require 8 weeks to award the miles and credit. 

I received the credit card in XX/XX/XXXX. The spending was requirement was quickly met within the first month and the account balance always paid in full on time. 

It is now almost XX/XX/XXXX ( 6 months ) and after 4 dialogues with American Express, they still have not awarded the miles. Even elevated to management they say " they - some remote awards center '' are working to resolve it. Each dialogue results in a note being sent to the department that awards miles and that it will take another 24 business days to cycle. 

This is a clear case of shenanigans. I believe American Express could resolve this quickly if they chose to and probably wish consumers would just give in and forget about the miles.
XXXX put a collections account on my credit report. The trade line should have been removed a long time ago, as the auto loan I received from XXXX was part of a XX/XX/2012 case against XXXX that found systemic auto loan discrimination. The case XXXX v. XXXX found that XXXX had intentionally charged minorities higher interest rates than non minorities. The loan that XXXX gave me had an exorbitant 20 % interest rate. XXXX charged me that high of an interest rate because of my national origin. The tradeline should have been removed a long time ago from my credit report as the XX/XX/2012 case found XXXX guilty of systemic discrimination against minority communities where they were charging higher interest rates to minorities to take out auto loans.
IN BRIEF : Can a Credit card company issue you an UNSOLICITED credit card and begin issuing you bills? 
A few years ago I joined XXXX. At that time they issued me a XXXX credit card. In late XX/XX/XXXX I received my last XXXX bill of {$82.00}, which I paid on XXXX ( XXXX. # 5663 ). 
Throughout most of XX/XX/XXXX I received all sorts of mail offers for a Citibank/Costco credit card, which I did NOT respond to. Late in that year I received an UNSOLICITED " XXXX Anywhere XXXX Card by CITI, '' WHICH I DESTROYED. Late in XX/XX/XXXX I began being harassed by daily phone calls -- which continue to this day. 
In XX/XX/XXXX I SPOKE WITH A CITIBANK REPRESENTATIVE ( at XXXX ) AND MADE CLEAR THAT I DID NOT WANT THEIR CREDIT CARD as my ( non ) actions of the preceding months indicated. At that time the agent I spoke with connected me with XXXX ( at XXXX XXXX so I could cancel my membership with XXXX. 
Below is a summary of the bills I have received ( and not paid ) for a bogus credit card. 
Due date : XX/XX/XXXX for {$80.00} ( includes late fee of {$25.00} late fee ) Due date XX/XX/XXXX for {$110.00} ( includes {$37.00} late fee ) Due date XX/XX/XXXX for {$100.00} ( includes {$37.00} late fee ) IF THIS HAPPENDED TO ME THERE MUST BE MANY OTHERS SIMILARLY SCAMMED.
XXXX paid in error 2 years in a row. I have called and emailed twice this year. Last year the same and told it would be taken care of. 

I am due 2 years flood back pay. The flood is part of hoa, XXXX floods not needed.
I have a loan with PENTAGON FEDERAL CRE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and PENTAGON FEDERAL CRE with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX and XXXX XXXX.
I will try to make this as short as possible. 2 years ago I had an issue with Synchrony Bank/Paypalsmartconnect. I had noticed that there were monthly payments that I had made not posted to my account. It took me numerous times to even manage to get any help from someone with this company about this issue. Every time I called, I would tell whom ever I spoke with that I had statements from my bank showing that the payments were accepted by them and where did they put the money? They would just ignore what I was telling them and say that they did n't receive the payment. After quite a few try 's, I finally got someone to help me, so I thought. We had agreed to put my account on a freeze until they could figure out what the problem was. I was sending them a package that included my payment information with the receipts from my bank stating that it was paid, etc. Within that time, there was another charge to my card that was not mine and I informed them of this and they were going to look into this too. After I sent them the package, I never heard another word from them via mail, phone, email. Not another bill or anything. Fast forward to now : I had run my credit report ( because I am applying for a mortgage ) and saw this account on there as a " charge-off ''. I was beyond upset of course. When I called Synchrony Bank, I was told that they could n't help me and that my account was turned over to a collection agency ( XXXX ) and to call them. So I did and when talking with them, I asked why I was never notified about this collection account and they read me back all the contact information that they had for me and it was completely incorrect! So all this time they were not able to contact me concerning this debt because Synchrony Bank gave them the wrong info. So now the only way I can even talk to Synchrony about the original issue with this account and to try and straighten it out was to pay the collection agency what they wanted and then Synchrony would then have the account back and would be able to talk to me. I was also advised that I could not dispute this case if I wanted to get approved for the mortgage that I was trying to get, so of course I paid the fee that the collection agency wanted because I did n't have a choice. When I was able to talk to someone at the bank, they were not very helpful with the remaining problem and with the current issue of how they were going to clear this up with my credit since they were the ones at fault. It was like they had all previous conversations completely wiped out of their system. I was basically told that I was out of luck! So now my question is, what do I do next? I still have some of the information showing some payments that were never posted to my account ( it was originally XXXX, but I only have XXXX proof of payments at the moment ). If this was all taken care of when they said they were going to, the balance that I just paid would have been less than half ( no late fees, etc. ) and this would be an issue on my credit report. Which of course is keeping me from getting a loan! I have several complaints about this banking institution. Something must be done.
XXXX XXXX  XXXX XXXX - {$1700.00} Closed : XX/XX/XXXX Opened : XX/XX/XXXX This is an error, it does not belong to me.
I received a debt collection letter from I.Q. Data international, Inc. for an apartment that I recently moved from. This came as a surprise because the manager at the apartment made no attempt to inform me of any of this. I immediately disputed the debt because the charges were outrageous and I left the apartment in a good clean condition. I have been speaking with a particular person named XXXX from the company and thought that they had started their investigation to validate any charges. I have been providing documents and papers to back up my dispute. On a prior phone conversation that took place around XX/XX/XXXX XXXX stated that in order to keep my account from being active in collection I needed to provide him with a card number. He also said that my card would NOT be charged if I called back by the XX/XX/XXXX to follow up on the dispute. I did call back on the XX/XX/XXXX to follow up and was still disputing the charges. dispute. I did call back on the XX/XX/XXXX to follow up and was still disputing the charges. Today on XXXX XXXX, 2017 I received a call from XXXX stating that I.Q. Data International , Inc. would be sending out the itemized list of charges they received from XXXX XXXX Management. He asked if I wanted to make a payment toward the debt and I said No. Multiple times. I stated that I was not going to pay this debt because the dispute was still ongoing and I did not believe the charges to be valid. ( The apartment lumped the fee together as " full paint and carpet {$890.00}. '' ) I was told to hold and was transferred to another person. This time a lady who treated me horribly and kept asking why I was n't paying my debt when I owed it. I informed her that it was being disputed and that I was not going to pay it when I did not believe the items being charged were valid. I also informed her that there were deposits that the apartment did not return to me or apply to the supposed debt, and for this reason I was still disputing. The lady kept saying that it was going to go on my credit if I didnt pay and again I told her the same thing. I will not authorize charges to my card because I dont believe the debt is valid. Without my authorization, {$710.00} was attempted to be pulled from my account. Thankfully my bank blocked the charge. Phone calls are recorded with collection companies and at no point in the conversation did I authorized them to charge my card. I specifically told them that I do not authorize them to charge it and they still attempted to do so.
Our mortgage was sold to Fifth Third Bank and from the beginning we experienced billing related issues. Our mortgage payment has been and is alway auto-drafted from our account each month. We paid our XXXX bill of XXXX in full and on time on XXXX XXXX. The payment was never applied correctly to our account. Now the XXXX payment has been mailed back to us? We are not sure why. We have spoken with someone every week and nothing has changed. " XXXX and XXXX '' have both assured us that something that will be done about it via a " task '' system. XXXX XXXX follow up XXXX nothing change, XXXX XXXX follow up with XXXX, nothing done, XXXX XXXX follow up with XXXX, nothing done. XXXX XXXX we had a very disturbing call from their collections department about non-payment for our mortgage. 
We were assured there would be no effect on our credit, yet checking our credit report it has been reported as late payments. We are in the process of attempting to purchase another home and have been warned that this will effect our rate unless resolved. 
After again calling on XXXX XXXX " XXXX '' has assured us that something will be done but after all we have been through we desperately need help in resolving this matter.
Chase Auto Finance did not post my payments, has been charging me late fees for years and now repossessed my car. Do not do business with these crooks!
We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XX/XX/XXXX-XX/XX/XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who are involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out financially, mentally and physically continuously.
These are all inquiry that I did n't give permission to run my credit credit bureau still report and inaccurate information XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX lease XX/XX/XXXX cont XX/XX/XXXX bank XX/XX/XXXX I only applied to XXXX lines of. Credit and neither run your credit score to get approval it 's secured credit card
Paid outsatnding balance at TD Bank for checking account # XXXX that was closed with an overdraft balance. Requested proof of payment to be emailed but was refused and told I could go to the branch. Went to branch and was given the wrong paperwork. Called back to TD Bank 's collection dept and was told to I should of requested an email when payment was first made ( which I did ) but now it was too late to receive an email confirmation of proof and I should return to bank and request a " settlement in full '' letter. I was also told that if I had any more issues I should have the branch contact the collection dept. I followed the instructions given and when the branch called the collection dept the collection dept told the rep at the branch I have to wait for it to be mailed to me. I am obviously getting the run around and all I want is this resollved. I have lost time from work and ca n't open a bank account until I show proof of payment of the outstanding balance that was owed to TD Bank. I have attached a copy of the amount that was debited from my bank account on XXXX XXXX to TD bank to settle the account
This is a complaint from XXXX against Portfolio Recovery for Portfolio 's failure to provide requested information for the debt alleged. As of XX/XX/2017, Portfolio has been reporting an open credit account for the XXXX. On XX/XX/2017, consumer ( through XXXX ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
XXXX/XXXX/2015, I contacted XXXX XXXX XXXX with whom I have a brokerage account, regarding my desire to send a money-transfer, the following week. On a recorded line, the representative informed me the charge for this service was a flat-fee amount, either {$24.00} or {$25.00}, he was not quite sure. I believe the rep 's name was XXXX XXXX. 

XXXX/XXXX/2015 I phoned XXXX to initiate the transfer. When I asked him, the rep told me there would be no fee for the transfer, and that the exchange rate from XXXX to XXXX would be XXXX. I assumed the remission of the fee was due to my being a Premium Elite Client. XXXX has sometimes granted me such rewards. 

After completing the wire request, I thought to look up the exchange rate. It was between XXXX and XXXX! Based on the amount of the wire ( {$15000.00} ), the wire charge ( fee ) was therefore {$300.00} [ ( XXXX ) * XXXX ]. I called back XXXX, and they confirmed the standard rate was a 2 % charge. 2 % of {$15000.00} is indeed {$300.00}. I pointed out that it is absurd to charge {$300.00} to wire money, and that even XXXX would do it for a fraction of that. IN ANY CASE, THEIR REPRESENTATIVE HAD ALREADY STATED THE FLAT FEE WAS {$25.00}. 

XXXX XXXX refuses to refund the {$300.00} out of which they cheated me ( THE FEE WAS NEVER STATED TO ME IN ANY WAY ). I want them to refund the {$300.00}, and charge me the flat fee, as agreed.
I had applied to XXXX different private companies for a small loan for school tution, all of which required me to add a co signer which I declined. 
XXXX companies ran a credit inquiry twice when I only applied once. 
XXXX and XXXX XXXX. 
As you can see, the dates are XXXX day apart. These inquiries are negatively affecting my credit score, which is not of my own wrong doing.
Inquiries were placed on my credit report during XX/XX/XXXX - XX/XX/XXXX without my consent I
Received a letter from Afni, Inc. attempting to collect an alleged outstanding debt owed to XXXX XXXX XXXX when I have never had an account with XXXX XXXX XXXX for any product or service.
Today I was in contact with PennyMac Loan company can given disturbing information that my loan account was reported past due 30 days for in XXXX or XX/XX/2016. PennyMac is violating FCRA act by reporting my loan last for the XXXX and/or XX/XX/2016 payment. I remitted a payment online on XX/XX/2016 and XX/XX/2016 and the company reported my loan 30 days late to the credit bureau agencies even though the payment was made online prior to. This is the third time the company has reported my loan late and now I am unable to qualify for refinance options as they have reported my loan late. I previously disputed with the that my XX/XX/2016 payment was taken out of my account on and they have not applied my payment in violation of TILA. I am being discriminated against by the company and want them to correct all credit reporting. Please note that if I make a payment on XXXX of each month there should be no adverse credit reporting. I want this matter investigated immediately as I have a already filed a HUD complaint.
XXXX  MY MORTGAE WAS ASSIGNED TO  AMERICAN HOME MTG SER VICING. THIS WAS SIGNED BY  XXXX   XXXX   ( V ICE PRESEIDENT ).  XXXX  MY MORTGAGE WAS TRANSFERRED TO HOMEWARD. I STARTED WRITING HOMEWARD. QUESTIONING THEM ON CERTAINS PERTAINING TO MY MORGAGE. NEXT THING I KNOW THEY TRANSFERRED THE MORTGAGE TG O OCWEN. I  BECAME VERY ILL. I COULD NOT AFFORD MYH MORTGAGE PAYMENTS. I STARTED WRITING OCWEN ASKING THEM IF THEY COULD MODIFY MY MORTGAGE BASED ON THE PRINCIPAL VALUE. THEY DID NOT.  XXXX  I RECEIVED FORECLOUSURE DOCUMENTS FROM  XXXX   XXXX   XXXX   XXXX . I GUESS OCWEN IS PART OF  XXXX   XXXX . WHEN I GOT MY ATTORNEY IN  XXXX  I PAID {$700.00} FOR FORENSIC REPORT OF MY MORTGAGE. I FINALLY HEARD FROM THE FORENSIC PERSON  XXXX   XXXX . I WS TOLD BY THE FORENSIC PERSON THAT MY ATTORNEY WILL CONTACT ME AND GIVE ME COPIES OF THE FORENSIC REPORT. TILL THIS DAY  I H AVE NOT HEARD FROM MY ATTORNEY REGARDING THE FORENSIC REPORT OR ANYTHING ELSE OF THAT MATTER. I HAVE LEFT MESSAGES FOR THE ATTORNEY AND NO CALL BACK. I PAY MY ATTORNEY THERE MONEY EVERY MONTH. MY ATTORNEY WANTED ME TO AGREE TO THIS MODIFICATION THAT OCWEN OFFERED, I TOLD THEM I DO NOT AGREE AND IF THEY CAN DO SOMETHING. NOTHING HAS BEEN DONE. I HAVE NOT HEARD ANYTHING BACK REGARDING THE FORENSIC REPORT FROM MY ATTORNEY. I AM SCHEDULED FOR COURT ( TRIAL ) IN  XXXX   XXXX .
In XX/XX/XXXX I paid the mortgage at the end of the month which it was not 30 days past due and the company reported it as 30 days past due and when I wrote a letter for them to fix it they told me to go to the credit bureaus that it is their problem and the credit bureaus said it was the mortgage company that had to fix it. I havent been 30 days late and I would like this to be rectified and since the mortgage company and credit bureaus will not help I am seeking your help with this matter.
Step 1 : What is this complaint about? 

Unable to freeze my credit : Trans Union and XXXX  Step 2 : What type of problem are you having? 

Trans Union and XXXX both sent me in loops, with no ability to freeze credit. I was offered several times to buy into XXXX XXXX or XXXX XXXX services. 

Step 3 : What happened? 

I wasted over an hour attempting to get my credit frozen. Overseas reps and third party vendors were only interested in the sale, then they transferred me. I confirmed my SS # reluctantly SIX times. 

Step 4 : What company is this complaint about? 

Trans Union and XXXX Step 5 : Who are the people involved?

15 nameless individuals who could probably never be found. Trans Union and XXXX  know that locking or freezing ones credit isn't part of their profit model, so why make it easy if they're not being regulated to do so or even monitored.