WillisBack/dataset-financial-user-claim huggingface dataset:
I began reviewing my XXXX credit report for inaccuracies in XXXX. Listed on this report is a collection company, Southwest Credit Systems, collecting on behalf of XXXX XXXX XXXX XXXX. I have never done business with either company. I requested a copy of the signed contract from Southwest Credit Systems to prove whether I owe this debt to this company or XXXX XXXX XXXX XXXX on numerous occasions. I was given several copies of a printed invoice, however, this invoice did not include my legal name. I also sent several requests to XXXX to either provide the validated information of me owing this debt or remove this debt from my credit report. XXXX has not provided any information to me that this is a valid debt. On XXXX XXXX, XXXX, I received a letter from XXXX XXXX XXXX stating in order for XXXX XXXX XXXX XXXX to investigate my account for fraud, I am " REQUIRED '' to file a police report before any investigation could move further. On XXXX XXXX, XXXX, I requested from XXXX XXXX a copy of the contract that I signed to prove I owe XXXX XXXX XXXX XXXX for this account. On XXXX XXXX, XXXX, I received via email a copy of the contract from XXXX XXXX XXXX. Upon review of the " signed '' contract, not only does this contract not have my name or signature, my social security number is not listed on this contract. Underneath the signature is the name " XXXX XXXX ''. I am assuming this is the individual who foraged a signature in order to generate a sale. I have never accepted or received a copy of contract. If this contract were tied to my social security number, it would contain my legal name and signature. Because of this fraudulent information from XXXX XXXX, XXXX XXXX and XXXX XXXX, this is reporting to my credit report as bad debt.
I have filed several corrections to my credit report regarding two public records that exist. The three credit bureaus have failed to verify the information with updated information is verified through their own investigation ; however, they appear to be depending upon unsubstantiated or out dated records. 

I am attaching information that asserts that XXXX and XXXX are not using updated and verifiable sources to maintain the posting of their public record file on my case. ( See attached letters ) These companies appear to refer to XXXX XXXX as their source for the most XX/XX/2018 that an Opt Out request was approved on my file ; thereby, no longer providing records to any parties.
I have disputed this bankruptcy before several times with XXXX & Experian and the outcome of this bankruptcy was discharged which means it does not exist in the courts, XXXX has removed it from my report but XXXX & Experian has fail to remove it.
This debt was settled and closed. It appears that its been resold to ERC to again illegally collect on a zombie debt. I did contact ERC about this issue with no response. Instead it was reported to both  XXXX   XXXX   &   XXXX  as a derogatory mark on my  credit score .
The Citi ( MasterCard ) Double Cash card offers a price rewind program, where your purchase price is tracked for 60 days, & if a lower price is found within that 60 days, they refund you the difference between what you paid & the lowest price that was found ( The program excludes taxes/fees from the total price calculation, & only covers the purchase price of the item itself ). 

On XXXX/XXXX/XXXX, I purchased a television from a local retailer at a purchase price of {$1100.00} ( excluding taxes/fees, see attachment ). A lower price of {$990.00} was found, and the search for a lower price ended on XXXX/XXXX/XXXX. I filed a claim for the refund of the difference ( {$180.00} ) on XXXX/XXXX/XXXX, to which my refund claim was denied later the same month. The denial reason was justified as " the item you purchased does not match the tracked item ''. 

The website does not specify that a specific model number is needed as part of the refund process, and the item I purchased matches the description of the covered item ( See Attachment ). As shown, the selected item is a " Samsung 55 '' Class Curved 4K Ultra HD LED Smart TV '', & the item that I purchased is a Samsung 55 '' Class Curved 4K Ultra HD LED Smart TV, with no specified model number or type.
I am in debt of XXXX in regards of a medical bill that i honestly dont remember .. i do Know that Im at not able to pay this balance but i would like a ok credit,
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you
I opened an account with a brokerage firm that turned out to be a total scam. They call themselves XXXX. I used PayPal for the deposits. XXXX apparently uses a company called XXXX to accept the deposits for them. When I requested a withdrawal they told me that they issue withdrawals in the form of refunds back to PayPal. I still havent received any refunds. They always give me some lame excuse and then put the money I requested to withdrawal back into their fraudulent worthless XXXX account and act like I got my money back. Complete fraudsters. So I ask PayPal to return my stolen money since they were used by this fake broker to defraud me. PayPal said Oh, we dont cover this kind of purchase. Okay, so that means that PayPal is knowingly doing business with a fraudulent company and helping them scam people. Pretty pathetic! I just want my money back that these crooks stole from me!
I have been sick since the beginning of the year where I was hospitalized in XXXX for 2 weeks I started to get better but due to the lack of income I had to defer two payment back in may I have exhausted all savings and so has my family I continued to make my payments in XX/XX/XXXX through XX/XX/XXXX as I went back to work however in XX/XX/XXXX my doc advised that my XXXX was dropping again due to the XXXX attacking my XXXX XXXX it is throwing my body out of whack well my doc said I need XXXX again or I could XXXX so I have been doing them since XX/XX/XXXX they cost me over 300 each round because I chose the high deductible medical plan I called gm and asked for another deferral because I do n't want to loose my car I need it to get to work and doc appointments I have been waiting on a response for two weeks when the last corp rep advised me not to worry to get a sup involved and they will help me due to my hardship. next year I will be ok because I will have better insurance that will cover my medicines and my XXXX it will cost me more per pay period XXXX dollars per paid period that is why I am asking for assistance because I forsee the problem I am out of money I cant even afford to give my kids a XXXX I did n't ask to get sick but now that I am I have to deal with it the best I can.
I was buying XXXX XXXX XXXX XXXX, spoke to customer care in XXXX XXXX, XXXX XXXX that, that specific product is not available in other store than XXXX XXXX itself, so suggested go financing for 18month @ 0 % interest.so it took me to barclaycard website.so I applied.they denied my credit.i just checked my credit report that they did a hard inquiry on my report, which is not right.please help protect my right.thanks.im an us cutizen.
The loan was discharged in bankruptcy in XX/XX/XXXX. I ocwen loan servicing obtain the loan approximately XX/XX/XXXX, and started reporting to the credit agencies. I would this to be removed.
CBE group is trying to collect in behalf of XXXX. In XXXX I filed for bankruptcy and was discharged including the account for XXXX. It remained open till XXXX when I closed it going to a different carrier. I paid my balance in XXXX XXXX afterwards XXXX send my account to collections. Previous request to provide proof of debt owed. I have only received a copy of an old statement nothing to do with the balance they now show. XXXX and XXXX previously were called to provide proof and nothing happened to resolve this collection. This week one of my family members received an email from CBE group trying to collect a debt from XXXX XXXX. I have not agreed with them to use this family members email address. I would like to resolve this issue it prevents me from obtaining a home loan thru FHA assistance, It is also humiliating for me to have them contact my extended family.
I can not afford a lawyer, but I have tried to fix my credit in every way possible. XXXX, Transunion, and XXXX REFUSES to remove items off of my credit report that were CLEARLY identity fraud. I provided police reports on several occasion. Ive sent in copies of my Drivers license, SS card, utility bills, FTC complain forms, detailed account information, AND police Reports ... and EVERY SINGLE form they asked for. ALL they did in return was either deny the claim, or say they never received proof, just like in my previous complaint. I will now move forward and file a complaint with the FTC, and I will look into what other avenues I can pursue. I am trying to sell my home, and buy a new one ... and because my identity was stolen I am STUCK. I need this rectified ASAP. I have done ALL I can do.
We are having a very difficult time with nationstar mortgage. We got a loan to refinance an existing loan with nationstar. the payoff request was obtained from Nationstar and good till XX/XX/XXXX. A 3rd party sent the amount, {$14000.00} for payoff. The check was XXXX to Nationstar as the correspondence instructed and delivered on XX/XX/XXXX. I found that on XX/XX/XXXX a payment for {$600.00} was auto drafted from my checking account by Nation star. I logged in my Nationstar account to investigate, 1st I stopped any auto pay from my checking account for future, then I called nationstar customer service XX/XX/XXXX to find out the problem. They adamantly denied having received a payoff check. I was ask to fax them the info of the cashiers check, time, date, and the person that signed for the check at Nationstar. I forwarded the info from my 3rd party payor with my Nationstar account number requesting that this be researched ASAP, This was send XX/XX/XXXX. When I had not received a call from nationstar by XX/XX/XXXX I logged online to review my Nationstar account, still no change, no email, nothing. I made two or three lengthy phone calls to Nationstar XXXX & XX/XX/XXXX and got nowhere. My last call I demanded to speak with a supervisor with Nationstar. She stated she would note that this was looked into. She would put on my account that a representative from my 3rd party had my permission to correspond with Nationstar on my behave anytime in the next 24hrs to try and locate the check for the payoff. I touched bases with my 3rd party and she was to attempt to work on the matter next business day. I checked in with the 3rd party XX/XX/XXXX and after she had made a number of calls we have still not gotten anywhere with this matter. In addition to the complete payoff check there has been XXXX payments of {$600.00} extra taken from my checking account. XXXX that was taken out and sent to another mortgage co. ( XXXX ) that Nationstar had received my loan from. XXXX forwarded the payment to Nationstar. Then XX/XX/XXXX the auto pay was taken out from my account due to the payoff amount not being processed and Nationstar not closing this account. Also I made a regular payment of {$600.00} on time to Nationstar on XX/XX/XXXX. This a very frustrating that not only does this company have a payoff check for over {$14000.00} but there is {$1800.00} of my personal money that should be refunded to me. I have been attempting to correct this serious matter with Nationstar and as of today XX/XX/XXXX have not gotten anywhere with them.
Received a collection notice from Transworld Systems Inc. in regards to a final utility bill that was never received from XXXX XXXX. When I cancelled service with XXXX XXXX, I was told they would use my deposit for my final payment. Apparently the deposit did not cover the full balance remaining. I initially disputed Transworld for validation of the debt to which they sent the final utility bill from XXXX XXXX. Upon receipt of Transworld Systems response, I contacted XXXX XXXX and talked with their customer service representative on a recorded line. I explained that I had never received the final bill at my new address and wanted to pay it with a guarantee that XXXX XXXX would remove the account from Transworld Systems Inc. and also from reporting on my credit file. The customer service representative put me on hold, spoke to a supervisor, came back on the recorded line and assured me that if I paid the account in full XXXX XXXX would recall the debt from Transworld Systems and have the item removed from my credit report. It is now nearly a year later and the tradeline is still being reported as a collection by Transworld Systems Inc. on my XXXX  credit file. As I stated, the call with the XXXX XXXX rep was on a recorded line and I was guaranteed the removal of this item since I never received a final bill.
I received a payment in the form of a gift via PayPal. Shortly after, PayPal limited my account, without an option to appeal, without notice or reasoning. With that being said, my payment or {$1000.00} is now being held, for 180 days, which is an extreme abuse of power and policy. I did nothing to violate there terms.
THIS IS MY 2ND COMPLAINT ABUT THIS MATTER. MACHOL AND JOHANNES, XXXX XXXX XXXX, XXXX AND XXXX XXXX XXXX. PUT A JUDGEMENT AGAINST ME WITHOUT PROPER SERVICE AND IMPROPER CORRESPONDENCE. PUT A LEVY ON MY BANK ACCOUNT TOOK MONEY AND TOOK IT INTO THE NEGATIVE AND ALSO PUT A GARNISHMENT IN PLACE AT MY WORK FOR MY WAGES. THEY ARE IN MULTIPLE VIOLATIONS OF THE FAIR DEBT COLLECTIONS ACT AND FEDERAL BANKRUPTCY LAW. THEY ARE SUING ME ON A DEBT THAT WAS INCLUDED IN MY CHAPTER XXXX BANKRUPTCY, I HAVE PROOF AND THEY STILL DENY IT. I HAVE REACHED OUT TO ALL OF THE LISTED CREDITORS THAT OVER SEE THIS ONE DEBT AND NT ONE OF THEM WILL WORK WITH ME ABOUT THIS ISSUE.ONCE THE DEBT IS DISCHARGED BY THE BANKRUPTCY COURT, THE DISCHARGE PERMANENTLY BARS THE CREDITOR OR DEBT COLLECTOR FROM COLLECTION OF THE DEBT -- -PER CFPB WEBSITE.
CRA violation no knowledge inaccurate accounts appeared on my Experian credit report. FTC ID Theft report # XXXX
A payment {$2600.00} was sent to XXXX XXXX ( serviced by Navient ) and was posted to the wrong student account. Since Navient found where it was incorrectly posted, Navient has made XXXX manual entries trying to post the {$2600.00} payment between XXXX of my private loans and backdate it to XXXX/XXXX/14 ( the date it was posted to the wrong student account ). The payment still has not been posted correctly after six months and XXXX entries. After numerous calls and countless hours dealing with Navient 's Customer Service ( you ca n't speak to anyone who actually posts your payments or knows how it works ), I finally found someone who would request my account be audited by Navient 's " Finance Dept '' regarding my payments and the interest paid in 2014. I finally received XXXX separate letters from Navient for each audit ( payments and interest ). The XXXX letter said the interest I paid in 2014 was {$53.00} ( I made XXXX payments of {$210.00} each in 2014, plus the additional {$2600.00} payment ). The XXXX letter showed all of the " payments '' in 2014 with a breakdown of how much was applied to Principal and how much to Interest. When you add up the Interest Navient showed, it totals {$3200.00}. Please explain to me how XXXX letter says interest paid in 2014 is {$53.00} and the other letter shows {$3200.00}. The letters were dated XXXX day apart. Neither letter is correct. Navient has made so many errors I do n't know if anyone can fix it, but certainly no one at Navient is capable of doing it. I am so frustrated with not being able to talk to anyone at Navient who understands Accounting and can see the errors made in the XXXX entries they have made. I am hopeful CFPB can research and reconcile my account and ensure Navient processes the correct entries to resolve this.
I had a previous case with you that we thought was resolved. My husband and I were pleased with the creditors response. The creditor once again ( second letter ) apologized and stated that they basically in simple words would repair our good credit standing and reverse any late fees and interest charges. This was stated in the letter dated XXXX XXXX, 2015. To date, our credit has not yet been repaired. I am again, reaching out to you for your assistance. I have tried numerous times to reach the gentleman who wrote this letter to us/this credit card company and unable to reach him. I thank you in advance again.
I was recently charged a {$98.00} fee by Bloomingdales for an original purchase of {$27.00} for shaving oil, due to the fact that I never received a bill. I moved XX/XX/XXXX, and although I filed a change of address with the post office, I never received a bill from Bloomingdales. However they charged me XXXX late fees even though I never received a phone call or bill. Today I checked my credit score and this bill was added to my credit as late payment. I have proof that I changed address and during this time I did receive Macy 's information, although nothing from Bloomingdales. I asked Bloomingdales to send me proof that they sent bills but have yet to receive any from Bloomingdales. The only other purchase I made with the Bloomingdales card was a leather jacket that cost over {$800.00}, and this balance was paid off with XXXX payments. Most interesting was that Bloomingdales did not even have the address that I moved from, so I find it hard to believe that they mailed me any invoices. 
I am very angry that this is now a negative mark on my credit for a small bill of only {$27.00}. I am not that silly to ruin my credit for such a small amount and would like Bloomingdales to be punished for their shady tactics.
You responded to my prior complaint finally. Now why would I want only  XXXX  card assisted with? Why did I give enough info for  XXXX  account to be reaged but not the other? You bank does n't help and does n't make sense. The same info was provided for both accounts and I HAVE given you all my financial information. Pull the earlier calls then. I 'm going to blast this everywhere on social media. You are saying I have enough to rage  XXXX  account but not another. Unfair and discriminatory. Your bank acts like I 'm trying not to pay my bill at all. That 's not what 's happening.
I have a debt I am working with the original creditor on and am receiving calls from XXXX XXXX XXXX XXXX. XXXX XXXX with XXXX XXXX XXXX XXXX contacted me at my place of work and I informed him to delete the number from my account and add my personal number. The next day I received a call back from him and again told him to delete the number and that I am not authorized personal calls of any type at my place of work. During this phone call I also spoke to XXXX XXXX supervisor and reiterated 2 times that I am not authorized personal calls of any type at work. On XX/XX/2018 at approximately XXXX XXXX  EST I received a third call from XXXX XXXX at my place of work. I informed him for a third time that I am not authorized personal calls of any type at work. XXXX XXXX stated that there " was no note on my account stating that I am unable to receive calls at work. '' As stated by XXXX XXXX and his supervisor at XXXX XXXX XXXX XXXX all calls are recorded. Review of phone call recordings will reveal that I informed both XXXX XXXX and his supervisor that I am not authorized to receive phone calls at work. With the insistent calling to my place of work after being informed I am not authorized calls at work is in direct violation of law.
XXXX XXXX, XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, IA XXXX RE : Bank of America Home Loans Account # XXXX To Whom It May Concern : We are a mother and daughter team who started a loan modification in XX/XX/XXXX and after completing numerous applications we are no closer to having this happen and are being threatened with a foreclosure. 

We have submitted several QWR 's and have not received the entire documents requested. Over the course of this process, we have been assigned more than XXXX member representatives, after being told in writing by the CEO, we were being assigned a representative that would be with us through the entire process of the loan modification. We were told on many occasions that the documents we sent to BOA, via XXXX XXXX or by BOA fax were not received, resulting in starting new loan modification requests. 

I am a XXXX survivor with a XXXX and during this process have become XXXX and XXXX due to this XXXX process Bank of America continues to inflict. My daughter XXXX became ill and was diagnosed with having had a XXXX XXXX. Over the course of this process, she has had several more and can no longer work. She has now been diagnosed with an XXXX. We would like to keep the home I purchased XXXX years ago. 

I went to XXXX County Housing seeking help and was informed by XXXX XXXX, the Director of the XXXX program, that the loans on my property were illegal. The XXXX program was how I became a XXXX as a young XXXX mother of XXXX. XXXX XXXX provided me with a copy of my deed and explained that there are restrictions on the property that would not have permitted the loans to be approved. Although with each loan we paid for a title search and title insurance to the lender the searches were either not completed or ignored. Had the title searches been performed and reviewed, the person ( s ) doing the search would have informed the lender of the restrictions on the property. Thus, they would not have approved and completed the loan request. 


I explained this to my lenders XXXX XXXX XXXX XXXX and Bank of America. After XXXX XXXX researched the information and reviewed the deed, they have given us a Lien Release as paid in full. To date, we have not been able to get Bank of America to reply to or acknowledge our requests for the same. 

We are both, me at XXXX and XXXX at XXXX, dealing with XXXX and do not want to be homeless. So, we are imploring CFPB to help us. It has been a very difficult three years with all the game tactics Bank of America has invoked upon us. 

We are now in a time restraint and would like to hear from you and praying for a solution. 

Warm Regards,
I have been receiving periodic  medical services fr om  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   (   XXXX   )   XXXX  for the past 2 years. My health plan covered most of the cost with a portion being my responsibility. I verified with  XXXX   (   XXXX   rep ) th at I only have  XXXX  account with  XXXX  showing a balance of {$460.00} of which {$410.00} was forwarded for collections but broken down into  XXXX  different amoun ts. Eastern Account System (   XXXX   )   XXXX , the collection company, is reporting the  XXXX   XXXX  account as  XXXX  separate accounts which I believe to be excessively punitive and unfair. The community needs to be made aware of this, especially before havin g medical services rendered by providers with this company. There may also be violations of law with the State of Texas, Fa ir Credit Reporting Act a nd Federal Consumer Protection Bureau.
I recently ordered my credit report from Trans Union and noticed that there were a few inquiries that I did n't recognize or authorize, XXXX XXXX BA XXXX XXXX, XXXX XXXX XXXX NA XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX