WillisBack/dataset-financial-user-claim huggingface dataset:
US Collections West is reporting an open collection on XXXX and public records on XXXX and XXXX that has been paid. Beginning XX/XX/XXXX US collections West began garnishing my paycheck at {$570.00} per month for a Public Record from XXXX XXXX XXXX. The judgment was paid in full. Additionally, the wage garnishment was illegal due to the fact that I was never notified that they were planning to garnish my wages. At the time, I was unaware of my rights and was completely over whelmed, as I lost my place to live. I disputed the account with XXXX on XX/XX/XXXX. As a result of that reinvestigation, US Collections reported to XXXX that the account is accurate and continues to report with a balance. They have not responded to my request to validate the debt and to show proof that I am legally contracted to pay them. 

Moreover, the XXXX US Collections Account from XXXX XXXX was placed on my XXXX File without any prior notice. I am seeking to have both permanently removed. 
Below are the referenced account numbers. 
1. U.S Collections Acct # XXXX XXXX 2. U.S Collections Acct # XXXX XXXX
This morning I received 22 computer generated calls to call VW Credit at XXXX. 
Each call was exactly the same in duration and in content. It was strange to me that I had to log into my phone to receive the messages, which is normally on 24/7. 

This is pure harassment. It was a clear violation of the FDCPA and if fines were to be applied, my car 's value would be exceeded in fines alone. 

Yes, I do owe the money and I will pay, though I am considering trading the car in to another dealer and not dealing with VW Credit in the future.
Hey, I would like to file a lawsuit against XXXX XXXX XXXX. They are reporting on an account that has been settled since XX/XX/XXXX. I called them multiple times that the account has been settled based on the agreement with the court justice and I paid off. They still reporting on the account. 

Anytime, I made a call they are sending me to their law company who in return said my account has been closed on their side. 

They are reporting on my account that is affecting my life in order to get a job and anything related to credit score. 

The original debt was XXXX. They sued me in the XXXX VA civil court. I made an agreement to pay XXXX to settle this debt. The agreed amount was paid toXX/XX/XXXX. They are still reporting on my credit score. 

Please need help
I 'm filing this complaint because Equifax XXXX and XXXX has ignored my request to provide me with the paperwork that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are require to promptly delete all info which ca n't be verified. Please resolve this matter.
All three major credit bureaus have illegally hoarded my person information without this my expressed written consent. Pursuant to the XXXX XXXX XXXX all 3 credit bureaus violated all privacy rights and allowed my personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared my personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace me. I would also like thank the CFPB for protecting her/his Personal, Family, and Household.
I have disputed with Experian an entry on my credit report for XXXX XXXX XXXX. I have also disputed it with the company, XXXX XXXX XXXX to no resolve. I became aware of the entry when I was denied credit a few months ago. I was not aware of this debt. Since my original dispute, XXXX XXXX XXXX updated on my report that they received the account from XXXX XXXX XXXX. The inaccuracy in my report is that XXXX XXXX XXXX is not reporting the correct 1st Date of Delinquency. My account became delinquent with XXXX XXXX XXXX in XXXX 2010, which means that XXXX XXXX XXXX should be reporting the same delinquency date if they are stating they own the account. I have never paid them anything and just find out they owned the account a few months ago after applying for credit. I have communicated with Experian and XXXX XXXX XXXX with no resolve. XXXX XXXX XXXX continues to say they are researching the information while continuing to report inaccurate information on my report. Experian states that they investigated and verified but neither organization has provided me with anything from the investigation. I submitted correspondence to both. I have enclosed letters that I have sent and a copy of the report I am referring to.
There is a parking violation for the city of New york on my credit report and I have never been outside the state of XXXXXXXX
XXXX inquiries were made to my Experian credit report on XXXX XXXX that I did not authorize. They were all made on the same date and were initiated by a local auto dealership, XXXX XXXX XXXX XXXX. 

After a long dispute, XXXX XXXX confirmed that they were made erroneously and sent Experian a letter confirming that they were made in error. This was over a month ago. 

To this date, Experian has not removed the unauthorized inquiries from my credit and my score is being affected because of it. 

The first inquiry is under the name " XXXX XXXX '' on XXXX/XXXX/16. 

The second inquiry is under the name " XXXX XXXX '' on XXXX/XXXX/16. 

The third inquiry is under the name " XXXX XXXX XXXX '' on XXXX/XXXX/16. 

These all need to be removed from my report as soon as possible. 

I am attaching a copy of the letter that the creditor sent to Experian so they can review it once more. I do not understand why it has taken so long to remove these unauthorized inquiries.
My name is XXXX XXXX XXXX DOB XX/XX/XXXX. My address is XXXX XXXX XXXX XXXX  XXXX, XXXX Texas XXXX. I submitted letter to Experian the beginning of XX/XX/XXXX. Regarding accounts and inquires that don't belong to me showing up on my credit report. They have failed to provide physical proof that the accounts where mine. This has gone over 30 days to be honest over 180 days to be exact. I've been trying to sort this out. I've sent ( 4 ) 609 letters. Experian has yet to delete the accounts that i'm concerned about. I'm beyond exhausted and have decided to file a formal complaint.
When I got my current escrow analysis, I noticed my escrow payment was going up a considerable amount, and I knew there had to be a mistake as I made an extra payment into my escrow account to cover an increase in insurance and taxes. After reviewing the escrow analysis I noticed an error in calculating the actual dispersements. The numbers listed did not total to current number. The numbers listed in the column totaled {$4100.00}, yet the escrow analysis showed the total to be {$4900.00}. The difference is {$820.00}, which was the exact amount of my homeowner 's insurance. It 's evident someone added my insurance twice. ( I will attach the statement so you can see what I am speaking about. ) I have tried to clear this up with Nationstar. Over 6 weeks I have made XXXX calls and spoken to XXXX escrow managers and have been assured that the problem would be corrected. Yet my most recent statement still shows the incorrect total being collected for escrow. In fact I have already made XXXX payment with too much escrow in it because I did n't want a late payment on my credit report or pay a late fee. They are collecting {$410.00}, when the correct amount should be {$340.00}!! That 's over {$68.00} per month they are billing me in excess. The sad part is that I am in the mortgage industry and have an understanding of how escrow and escrow analysis works. Had this happened to the average person, they would n't have caught the problem and just sent the extra money to Nationstar. I am frustrated and just want my escrow corrected!!!
I sent Equifax multiple letters to verify that this account was owed by me and I never received a copy of a application with my signature.
A merchant mistakenly charged my credit card in the amount of {$2900.00} ( the order number ) instead of {$290.00} ( the purchase amount ). The larger sum was immediately withdrawn from my account, and despite a prompt void of that transaction, MasterCard and or Capital One bank is refusing to credit my account immediately. I have been told it will take 3-5 business days to post back to my account. I assume the banks are earning interest on that sum while I am left without available credit. As a XXXX I occasionally need to rely on short term credit to cover cash flow shortfalls. This has left me in a position of having to use my cash reserves to purchase materials, when that should go to payroll. It seems unfair that the banks can tie up my credit in such a fashion.
Good Morning, Thank you for creating this tool. XXXX issues with American Express:1 ) American Express with zero notice suspended charging privileges on my SPG credit card last week, claiming " Financial Review. '' With zero late payments, frequent payments ( ex : XXXX in XXXX 2015 ), and zero violations of my card member agreement, I am astonished. I have spent the past week dealing with vendor escalations for my company - AMEX has even denied those recurring charges. ZERO notice given ... What is AMEX 's responsibility to me a perfectly paying single Mom with XXXX XXXX and jobs to create? 

2 ) My assistants have always had a copy of my AMEX card with their names on it as Authorized Users NOT Responsible Parties. The Agent with whom I talked last at AMEX said in past years soc # was not required until Patriot Act. The Credit Bureau Dept at AMEX @ XXXX says they possibly reported my current assistant of over 1 year in error. The new requirement to have someone 's social security number on file is a gov't rule, and in no way should it have been used in her debt to income ratio by any lenders .... yet it was. She was denied a car loan and then her STUDENT LOANS this past. 

Thank you CFPB et al for your help. I have worked hard to follow AMEX 's rules and appreciate any advice you have. Is there a Cardmember Bill of Rights yet?
Equifax and XXXX have both agreed to remove 5 inquiries off of my report due to fraud activity after multiple conversations and multiple disputes which were supposed to be actual removers. I 've given them all information needed and also followed their removal process contacting the other companies. I sit on hold for over a hour each time I call, I 'm not sure if they are just telling me they are going to remove them just to get me off the phone quickly or what, but it has been multiple times they have told me these items will be removed and still no result. I put a freeze/ fraud alert on my account and everything. They told me they would be removed but still no results at all. The inquiries were : XXXX XXXX twice on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX. These inquiries were not authorized by me.
For all intensive purposes, my credit report only shows positive marks. I recently closed 2 loans that were held active for a year or more.

1 loan in the amount of {$23000.00} ( XXXX at time of payment in full ) originally and another a home mortgage loan paid in full at the time {$130.00}, xxx.xx.

Approx. 1 month later the credit bureaus updated my credit score by lowering it 29 points.

My debt to income ratio sky rocketed, all account across the board saw reductions/decreased account balance ( s ).

I am disputing my credit score having a negative impact after satisfying loans that I always held in good standing.

There is clearly something wrong with the algorithm that calculates such scores. My buying power has most certainly gone up ... my credit score should have as well.
I would like to have my bank KeyBank be able to work with active hours the app so I can quickly be able to receive my paycheck earlier than usual.
I was served by Midland Funding LLC, I have asked XXXX ( a law firm representing Midland ) for validation of debt which they have refused to provide me with any evidence that it belongs to me.
I have had a student loan with Navient { formally XXXX XXXX } for over 12 years they have made it impossible to pay off the loan by changing the terms of the loan without letting me know. Late fees were charged six times for one late payment as well as a fee for XXXX forbarence that was charged five times .The amount of interest taken from each payment no matter what the percentage of the loan was ridiculous. On a XXXX dollar payment almost XXXX dollars was taken in interest in one month and the amount of the loan I had to pay would jump up by thousands for from time to time. When I requested a print out of all the payments that were made they neglected to send a copy of 3 years of payments.. I can not understand how they can do business with all these things that do not seen legal
I 'm a victim of identity theft some took my information and try opening up lots of accounts in my name and left lots of heard inquiry on my report. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX,XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX and XXXXXX/XX/XXXX
Hello, I signed up for a Citi XXXX XXXX XXXX credit card in XX/XX/XXXX because they advertised a promotion where if you spend {$3000.00} in the first 3 months and pay it off, you get XXXX miles. They allegedly sent me the card a few time but I didn't receive it until XX/XX/XXXX. Once the card was in my hands I met all of the requirements. A few months ago, I noticed that those points still hadn't hit my account so I tried to rectify this. 

The first Citibank Representative I spoke to ( XX/XX/XXXX ) told me someone would call me back later that day after investigating my situation. No one called back. A few days later, I spent over an hour on the phone - being passed from person to person explaining and re-explaining myself. The final woman I spoke with told me that I am not seeing the points because I technically applied for the credit card 6 months prior to actually receiving it. They told me that I would get an answer in the mail within two weeks. The letter finally came ( issued XX/XX/XXXX ) and I was denied the promotion that they advertised. Giving them one more chance to redeem themselves - I decided to call again today ( XX/XX/XXXX ) and climbed to the top of the latter and spoke to a Supervisor. He told me that they didn't see the " offer '' under my account. It didn't matter what I said. 

I am extremely frustrated because I would not have signed up for this credit card had it not been for this promotion that is literally posted everywhere on the internet. This is a terrible company if they can not follow through with their promotions, deceptions and false advertisement. 

I am planning on canceling my credit card if this is not rectified in a timely manner.
I'm being called by XXXX XXXX daily on two accounts that were my father 's and he is now XXXX. I have given them this information. My father and I have the same name, and I have no idea how they received my phone number, and why they feel the need to call me. There was no estate, and I received no inheritance to pay any of his debts.
I would like to document a complaint against the American Express Serve XXXX. On XXXX XXXX, 2015, I used the new bill pay service to pay my car note via their website at americanexpressserve.com. I then contacted the Customer Service just prior to completed the bill pay. After I clicked the submit the Representative XXXX ( name unknown ) then told me the payment would not be mailed out as a check. 
The reason this is an issue for me is I was previously told by Representative XXXX ( name unknown ) the payments sent through the American Express Serve bill pay process would be sent out as a check. 
My lien holder for my automobile does not accept American Express. However, my lien holder does accept checks. I need to have this processed in a way which will be received by my lien holder, or I need to know what happens to my money. I have the receipt which I can send to whomever needs it.
My navient student loan payment is due the XXXX of each month, on auto-pay. On XX/XX/XXXX, I received my monthly statement that my payment due XXXX was {$180.00}. Previously, my payment was {$180.00} and I was curious of the change, since I am fully paid off XX/XX/XXXX. Thankfully, I logged into my account on XX/XX/XXXX to examine the change. Online, it stated my payment due was {$190.00}, I believe. I spoke with navient earlier and asked them to discontinue auto pay. I was never notified that my payment increased. This is not the first time they have increased my payment without informing me.

While online, I noticed my outstanding balance with them is only {$430.00}. Yet, they are telling my I have five remaining payments of somewhere between {$180.00} and {$190.00}, I never asked for conformation on that. When I asked why I was paying so much more than my outstanding balance, the customer service agent told me because I had always paid on time ( just shy of the 10 year repayment ) and never modified my loans in any way, the system had not recalculated my payments correctly. However, there is new " schedule begin date '' of payments that starts XXXX. 

Navient previously increased my payment on XX/XX/XXXX. When I called to inquire then, I was informed that to be paid off within my 10 year time frame, my payment needed to increase. Clearly, my payment did not need to increase then. When I asked the representative today what the solution was so I did not overpay, she told me I could just pay the {$190.00} and I would be paid off earlier. As excited as I am to have my loans paid off, my budget is tight right now, and I would rather not pay more than I planned on such short notice. However, I will probably just payoff 2 of my 5 small loans, and make minimum payment on the other three. This amount is actually about the same as my payment.
We have our current mortgage with Chase Home Finance. Have excellent payment history. We kept getting letters about refinancing at a lower interest rate. When I did call the rate was not as low as my letter but they could still get us a lower rate than we currently have and less years. They describe the letter as " marketing projections done months in advance. So we paid the {$460.00}. Application fee, signed paperwork and " locked in '' at 4 % and zero points. We kept having to get a bunch of extra documents to underwriting which was annoying but understandable. JPMORGAN Chase changed the 15 year, XXXX point and 4 % to 20 years, XXXX points & 4 % and then after the appraisal came back they changed it to 30 years, 4 % and XXXX points. It would cost us XXXX. To get a worse mortgage than what we had and the letter we got explained that this was based on my husbands credit score which in the next paragraph stated his credit score is XXXX. The interest rates had fallen since we started trying to refinance. When I asked about changing our rate lower, I was told for better or worse we were locked in, but according to the paperwork we signed we SHOULD HAVE also been locked in on points.
I purchased my deceased mother 's home. Financial freedom sent a pay off that was XXXX more than what was owed. The closing was 5 months ago and the estate is now closed. Financial freedom is now returning the stolen money but the check is written in the name of the closed estate. They are refusing to reissue the check jointly in my name XXXX XXXX and the name of the estate thereby forcing me to have to spend time and money to reopen the estate all because they were trying to steal and could not. I authorize you to publish this so the public can see how awful these thieves are.
My name is  XXXX   XXXX , I am trying to get in contact with somebody at the Settlement Division or Consumer Financial Protection Bureau to see if you can help me in the following matter. Consumer Financial Protection Burea u, Ally Auto Finance Settlement and U.S D epartment of Justice sent a letter with a checkwith the amount of {$520.00} because I was identified as eligible to receive this money from a settlement between the Consumer Financial Protection Bureau, th e U.S Department of Justice, Ally Financial Inc. and Ally Bank over allegations  of discrimination in auto financing between  XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX . In the letter said that this amount was determined by the Consumer Financial Protection Bureau a nd U.S Departm ent of Justice. Until today I have not been able to deposit this check because it was sent to a wrong address and by the time I got the check itwas already expired. I have called the phone number that is in the letter so many times with no results because I do not have a specific extension that they ask for. I have called the Consumer Financial Protection Bureau and the representative told me to write an email to Ally Auto Finance to see if I can resolve my problem. I wrote the email on  XXXX   XXXX ,  XXXX  and I have been waiting for a response since then with no answer until today  XXXX   XXXX ,  XXXX . I need that whoever is in charge of this matter get in contact with me so another check can be sent to me. I am going to attach a copy of the letter with the check that I receivedand I am going to provide my updated address.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,  FL  ,   XXXX   XXXX
Dear Sr. or Madam, My name is XXXX XXXX .My loan was with XXXX XXXX XXXX . I try to modify my loan while with XXXX XXXX XXXX and they denied me because I do n't live in the property. I lived in this property ever sense I bought it. Loan was transferred to Seterus account # XXXX. Property location is at XXXX XXXX XXXX XXXX XXXX Ca XXXX. When my loan was transferd to Seterus they paid my taxes on XXXX/XXXX/15 in the amount of {$4200.00} when my payment was already in and on time. I paid according to Seterus {$870.00} of late fees for taxes being send late.. I do n't understand why I 'm paying late fees for. I was sending so much money to this account for taxes and they would put it in suspense. I tack to supervisor and I get their promise that they well put my money where they suppose to. 
There were XXXX occasions that they told me that they taken money of {$240.00} from escrow account to satisfied to late fees. All late fees have bean removed and now I do n't know what happen to that money .All the money I was sending was deposited as a suspense deposit. I was calling them so many times an order to be told that they ca n't reverse the transactions done before. I need all suspense money that was applied to principal to be moved to pay taxes and balance to be send back to me. I want to know what happened to money that they were taking out from escrow to pay late fees. After that late fees were removed from my account where the XXXX x2 went to.They told me that they paid my house insurance. I called insurance company in order to be told that they did n't get money from escrow account. I called Seterus to ask what happened to my money they said : '' We paid for the the balance of your taxes. I have no idea what they are doing. Please help me clear this mess with them so I can have my life back. This is taking so much of my time. Your help would be greatly appreciatedSincerelyXXXX XXXX XXXX XXXX XXXX Ca XXXXPlease fine enclosed transaction history : exibit # XXXX transaction history
On XX/XX/2018 I noticed my credit score drop due to a mysterious collection account. The account was from CCS Financial Services, and said that I owed {$89.00}. 
I have never had an account of any sort with CCS Financial Services. This debt is not my debt, and I don't owe your company anything. No contract was never established with your company. This debt is erroneous.