WillisBack/dataset-financial-user-claim huggingface dataset:
I wrote and mailed a dispute letter to XXXX, XXXX, and XXXX in XX/XX/2018 pertaining to a collection account that had been placed on my credit report from the collection company Retail Merchants for {$1000.00}. XXXX, XXXX, and XXXX responded with a copy of my credit report stating that the account in question was verified by the creditor. Retail Merchants did not provide any documents or evidence to verify the account. I sent another dispute letter to XXXX, XXXX, and XXXX in XXXX asking again for proper validation of the debt, and instead of verifying the debt XXXX, XXXX, and XXXX  reported the debt was verified at the previous amount. Of {$1000.00}. Under the Fair Debt Collections Practices Act. I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from XXXX, XXXX, and XXXX or provide me with physical proof. Such as a signed legal binding contract. Your immediate response will be greatly appreciated.
I 'm a long time Chase bank customer with an excellent credit score ( XXXX fico ) and income ( XXXX/annual ) and I submitted a used auto loan application for XXXX over the phone based upon their advertised used auto loan rate of 2.06 %. This rate had the following assumptions posted : loan to value of 95 % for used vehicle, excellent credit history, and loan amount of XXXX. After submitting my application, I received a quoted rate of 4.79 %. I requested to speak to the underwriter who told me that the high rate was due to the loan to value for the auto loan. I asked them to update the loan amount to reflect the 95 % loan to value for my requested vehicle ( XXXX ). She updated the application and came back with a quoted rate of 2.79 %. I asked her why my rate was still not the advertised 2.06 % and she said because I my loan was n't using the specific model/year in the assumptions. I believe this is a clear instance of bait and switch tactics as there 's probably such a minuscule probability that an applicant have the exact vehicle model/year, credit score, and Chase checking account to qualify for the advertised rate.
We leased a vehicle in  XXXX  of 2015. Part of the incentive was that the dealer would make the first payment of the lease. When we arrived to pick up the vehicle, we were informed that due to " credit '' issues ( which were not elaborated on ) we were required to pay an additional {$500.00} ; This was only disclosed when we arrived - not before. Since it was too late for us to change our mind, or get another vehicle elsewhere, we decided to pay the {$500.00} - HOWEVER, when they actually added up the invoice, they added yet another {$500.00} and then denied that they did so. We had to call the manager to re-calculate - and she then advised that we were right, and there was another {$500.00} added that should not be. Apparently, The dealer never lived up to its promise of making the first payment on our behalf - which was the original incentive for us to lease the vehicle. We set up 23 payments ( the lease was for 24 ). ALL OF WHICH WERE ON TIME OR EARLY. now GM FINANCIAL is reporting that I have a late payment on my credit report - which is NOT ACCURATE. I spoke with "  XXXX  '' at GM Financial who claims that she can not fix the credit report for at least 30-45 days, and only if she gets a letter from the dealer. My credit is very important to me, and I need to get this corrected, but my complaints are falling on deaf ears. Please help.
New collection on my credit XX/XX/2017 for {$530.00}. I am disputing this collection. Never heard from them before, I do not owe this debt.
Seline Financial was requesting increasing escrow funds due to increased taxes, and insurance, they were asking for a full escrow funds to be double as it was last year in order to maintain the same amount of our monthly payment. XXXX sent them the escrow funds but they still increase the monthly payment from {$1600.00} to {$1700.00}. They put the escrow funds we sent in to a suspense account, do n't know the reason for and on top of that they asking for flood insurance which we already paid for in full until XX/XX/2017. 
I called them several times, always excuses that they will review the account and call me back, as of today they have not contacted me. My XX/XX/XXXX payment is due XX/XX/XXXX and still showing the new increase amount. 
Attached is the escrow paid funds, new requested payments, and an statement on this account. 
Thank you for helping me. 
HF.
Unfortunately I need to jump on the bandwagon to complain about collection policies of Navient Corp. Since being acquired from XXXX XXXX, this organization has repeatedly called home, work, cell phone numbers for me, my daughter, and my wife, regarding student loan payments advising we are delinquent, payments never processed, or partial payments missing, etc. We have and continue to make monthly payments as agreed to via their/our contract. We are not financially able to XXXX or XXXX our repayment amount, nor can we afford to make repeated duplicate payments when they misappropriate funds. Originally, we had selected an automatic payment withdraw from our bank account, which failed terribly as they made unscheduled withdraws for our bank account, leaving over-drafts on our account ; or the withdraw would not be registered to our account requiring us to make duplicate payments. We have since changed our payment to manual so we are able to process a monthly payment to record it has occurred on time. Almost daily we receive XXXX or more calls stating our account is delinquent - to the point this monotony has become harassing. I have repeatedly requested to speak to supervisors, or frankly, someone in a US office who can intelligently manage a call. My requests are ignored, and the individuals make threatening statements and hang up without resolving my questions. I know they will call again later in the day or next day, and the process repeats. This organization has damaged our credit ratings by identifying our payments are not current. We have requested written statements from this organization - they have NEVER sent any document from which we could coordinate a review. But the harassing calls continue. We teach our children the responsibility of securing loans to support college education, and reinforce the need to make timely and complete payments so they can move on in their lives after graduating with good credit ratings. This company has made the student loan repayment process a nightmare. Unfortunately I see multiple years of this nightmare ahead for my family as my daughter re-pays her obligations, and as my son XXXX in 2016, simply to begin his own torture. I have followed the potential lawsuit targeting Navient and applaud any efforts the CFPB makes toward resolving this lenders inappropriate actions.
I am a victim of fraud & identity theft. I contacted Equifax and XXXX TWICE. They refuse to remove fraudulent account/ activity on my credit report. They keep doing investigations but never remove it. Accounts : XXXX XXXX # XXXX I have mailed, faxed, and called repeatedly about my account that resulted in a charge off due to fraudulent charges on my credit report. I've uploaded and sent my identity theft affidavit, identity theft report from the FTC, and a police report. This is my second complaint in regards to this issue. They just keep investigating and then it remains based off of what XXXX XXXX says but no where do they offer proof that this account was not fraudulently used. It was my account but had unauthorized charges that unfortunately I did not become aware of until the charge off appeared on my credit report. This is causing me much unneeded stress/XXXX. I paid the XXXX XXXX account in full anyways because I needed an immediate credit score boost. Not because it was indeed my debt. Last I used my account I had a XXXX balance.

Please help me get this resolved. For Identification purposes the last 4 of my SSN : XXXX
I checked my credit report and noticed that this is on there. I have never purchased sheet metal before. I have been in business with this nor any other sheet metal company, for any reason.
I have informed credit reporting agencies about my issue and waiting for the answer from them, Mean while I heard about CFPB and thought To file an complaint. I used in XXXX 2013 a company call freight center in XXXX to ship household items to XXXX, there was XXXX pallets, as per my knowledge weight was under XXXXlb on each pallet and paid in advance some of {$2800.00} to freight center, they over charged me as per the quote so I called them and they gave me credit for an amount {$85.00} same day. After 4 weeks from delivery of my house hold goods they are coming back with additional {$1000.00} for additional cost which I did not get it, there fore I refuse to pay them an hidden cost and know I see they have hired collection company called XXXX, is showing on my credit report, I am going to attached a proof of documents to prove the payment was maid thru credit card. There fore I request CFPB to investigate and help me to remove this negative item from my credit report, which is affecting me on my business and raised up my family. I am also attaching my credit report to show CFPB I have very good payment history, Thank you. 
SincerelyXXXX XXXX XXXX
TCF is failing to report my banking information to a company that I use to access funds in a timely manner. The delay in providing information is creating a delay I need to access funds.
I have previously submitted a complaint and Wells fargo has done nothing to resolve it. Time and time again I try to ask questions of clarification about documents they need and they are either totally unresponsive or tell me they can only talk to my realtor. I have been dealing with this for six months now. I have had an offer on the home and I have been proactive and they are anything but. My SPOC will call me with an update that is basically, " there is no update. '' ALl they did with my last complaint was to send me proof that they gave me information about the short sale process. They did not do anything to indicate that they are actually trying to resolve the issue.
I pulled my Credit Report and found XXXX/XXXX put a charge off on my credit report for the amount of {$1600.00}. On the date of XX/XX/XXXX I wrote XXXX/XXXX a certified letter asking for validation that is competent evidence bearing my signature. 
XXXX/XXXX received the certified letter on the date of XX/XX/XXXX. 
XXXX/XXXX responded on the date of XX/XX/XXXX Stating they reviewed the account and verified that they have reported this account information as it appears in my file, to the credit reporting agencies, XXXX, Equifax, XXXX and XXXX. And further state that they can not delete or modify the status as it reported. 
XXXX/XXXX sent another letter in response to the first letter. XXXX/XXXX  also states that the account in question was sold to XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX/XXXX never provided me with the validation I requested, and never acknowledge that the file in question was being formally disputed. 
On the date of XX/XX/XXXX I wrote another certified letter to XXXX/XXXX stating that they did not validate the debt in question via bearing my signature. 
XXXX/XXXX received the second certified letter on the date of XX/XX/XXXX I never received a response to the second certified letter. 
OnXX/XX/XXXX I pulled my credit report to find out if XXXX/XXXX had marked my credit report as disputed. And found that XXXX/XXXX had not marked my file as disputed, and as to this day of XX/XX/XXXX my file is not labeled disputed. 
I sent a third certified letter to XXXX/XXXX on that date ofXX/XX/XXXX notifying XXXX/XXXX they did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by XXXX law to place a " notice of dispute '' on my account within 30 day of my dispute, in which they signed for onXX/XX/XXXX. I retained a copy of their signature and date of receipt, as well as a time stamped copy of my credit report, showing that XXXX/XXXX has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and / or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
XXXX/XXXX received the third certified letter on XX/XX/XXXX And yet again XXXX/XXXX has failed to respond to the certified letters I have sent to them.
I was being charged for equipment I returned in XX/XX/XXXX to XXXX. I called XXXX stating that there was dept in the amount of {$1600.00} for the equipment on my Credit Report. The representative saw on my account that they received the equipment. She started a case to let the dept collection agency now that the account is at a {$0.00} balance, and that they should have reported a dept on my credit report. My case number for XXXX is XXXX.
I noticed on my XXXX report that there is an address showing as mine that I have never used. I went online to try to have this inaccurate information deleted only to find I was denied the right to do so. Now I am getting an error when I attempt to dispute it.
Dept of Ed/Nelnet violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
XXXX with Diatech (? ) keeps calling me about a debt which I believe is owed by the previous owner of my phone number, XXXX XXXX. The most recent call I received was at approximately XXXX XXXX, today, XXXX XXXX, 2017.
I am so furious at this customer service department. Its in XXXX, AZ. And they have givrn me nithing but promises and bam! Last XXXX at XXXX my csr is beingloaded up on a tow truck. Drive Time had repossessed it! After making arrangements to defer my payments to the end of the loan after faxing doctors excuse from work by my XXXX. 
I called the customer service number and they have no record of my request. NOTHING!! 
Not a phone call or log of any sort of my request on XX/XX/2015.. 
Only call they have have record of is making an arrangement for that friday XX/XX/2015 that was called in on Monday XX/XX/2015Well thats Hog Wash I have on my phone records numer calls made to them especially on the XX/XX/XXXX. And darn sure gave new phone number to update my accout. 
Now forsr they said they dont do loan deferments on new loans then it was well itstoo late bc the vehicle has already been picked up. Well imagine that. 
The number the lady respresentative gave me for a fax number that I faxed my doctors papers toisnt even a Drive Time number. Ithink its to the XXXX in XXXX. IDkBut they wont do a thing .help pleaseI have XXXX kids im a single parent we just left their father bc of XXXX have had XXXX XXXX counting XXXX tomorrow on my XXXX. Tomorrow they are schuduling a XXXX bc it wont heal. They will have to XXXX. Its been that serious. Unfortunately all this cameabout well actually has gotten worse ince my purchase and I have been off work bc of it. I need my car.
I am a victim of fraud. I did go online to be a mystery shopper and was contacted to a assignment for XXXX XXXX. I was XXXX a check {$1900.00} for my assignment. I went to TD Bank in XXXX Florida and deposited this check. After several days I call TD Bank to verify if this check was even good. I spoke to a financial Representative she stated that this check DID CLEAR. again I asked it cleared? Again she stated IT CLEARED. I then went to the same TD Branch to withdraw money to complete this assignment in the amount of {$1600.00}. I was called again from this MYSTERY Shopper if I would be able to complete another assignment. Again, XXXX brought me another check with another assignment Went back to the same branch at TD an made a deposit.. Waited several. days called again XXXX # and this time they said the check did not clear. That evening I received a letter from TD Bank that the 1st check was fraudulently written. TD mandated me to get my account in good standing and deposit money. I did this immediately. I was angered about this I called the XXXX number and went round and round finally got a supervisor she listened to the tape and she admitted that TD Bank Rep did say it " CLEARED '' that they TD were going to refund {$930.00} to cover my deposit and XXXX return check fee. This was very nice, but I had in this account {$710.00} before all this took place, she was unwilling to return this amount. I found this to be inaccurate and unjust if TD Bank admitted fault. they should have returned all the monies. I am requesting that XXXX be returned from TD into my account..
I am just going off memory, so my dates might be a little off. In XXXX or XXXX of 2016, I called Bank of America because I noticed a transaction on my account that I didn't authorize. I went through the dispute process and my card was supposed to be closed and a new one would be sent. Again, my CARD was supposed to be closed NOT my account, which was. About a month after I called, I called again because I had not received the new card. I was told the rep mistakenly closed my account instead of just the card. I asked if they could re-open it but was told it was too late. I was dealing with a lot of family health issues at the time and lost track of the bills that were sent and it ended up getting charged-off at over {$400.00}. Since I have been dealing with family issues for the past couple years, I haven't been focused on my credit like I should. I have been trying to rebuild and have made attempts to rectify this. They have reported on my credit report that I requested the account be closed but that is factually incorrect. I talked to Bank of America and was told it was they can't change anything they've reported because they are obligated to report information accurately ( well, they aren't doing that ). They also said that the account has been sold to a Collection 's Agency.
For the past 3 years, my mortgage company has been paying {$860.00} per year out of my escrow accounts towards what they 've been refering to as a " water tax '' or a " water/sewer assessment ''. I 've attempted more than once to get clarification on what they 're paying and every time they basically blow me off and tell me to get the information from my tax assessor. My local tax assessor 's office as well as the water company had advised me this tax does n't exist and they had no idea what my mortgage company was paying. For the past 2 years my home was being renovated and unoccupied, so I did n't have garbage service. This is my first year having garbage service and receiving a bill ... .for {$860.00}. A normal yearly garbage bill for a single family residence is {$430.00}, however the city was incorrectly billing my home as a duplex. When I received the bill and saw the amount, I realized that my mortgage company has been paying a garbage bill for the past 2 years that I should not have been getting billed for. Furthermore, they had no business paying for a utility out of my escrow account. My escrow account does not cover any of the other utilities for my home. Had they appropriately labled what they were issuing a payment for or been willing to provide me with any information on the payment, I could have dispute the charges with the city two years ago. As it stands, the city waste deparment has been overpaid {$2100.00} of my money. After speaking with the garbage department, they agreed that I should not have been billed for the past 2 years and did n't owe the money, but it 's unlikely I 'll be able to get a refund due to the amount of time that 's passed. I submitted a request via e-mail to my mortgage company almost a month ago for information on the payments they were making. I received a generic reply that they would respond within 10 days. I 've yet to receive a response. When I 've tried to speak with someone over the phone for the past 2 years, I 'm always told that the tax department ca n't be reached by phone, only fax or e-mail.
Company name : XXXX XXXX, AKA Care Credit Card on XXXX/XXXX/17 ; the Check from CareCredit ( medical credit card ) was returned and assessed a {$12.00} return fee. The check was completely legitimate and there was no reason to return it and not honor the check. I called the Credit card company and faxed them all the necessary paperwork to get {$400.00} credit back to my account, they agreed and put it in the notes that it was approved by accounting department ; however, when I called later they kept telling to wait and never honored they commitment to issue a new check or credit my account. I would like the {$400.00} credit and the {$12.00} return item fee back on my account.
I purchased two XXXX  Gift cards, one in the amount of {$300.00} and the other for {$150.00}. I did not use cards immediately. When I tried to use the cards I was told there was no value in the balance. I went to Wells Fargo in XX/XX/XXXX and asked them why the confiscated my cards. They made a call to XXXX who stated they had " Unloaded Value to Customer Service Application '' what ever that is. On the first card # XXXX XXXX XXXX XXXX they claimed they had mailed a check. I told them I received no check, to which they stated I cashed it. I requested proof but XXXX declined. On the second card, # XXXX XXXX XXXX XXXX, they said they would mail a check, however again I received no check. XXXX  confiscated and stole this money from me because I did not use them. However the expiration date on card # XXXX XXXX XXXX XXXX XXXX is XX/XX/XXXX and the expiration date on card # XXXX XXXX XXXX XXXX is XX/XX/XXXX
XXXX XXXX XXXX owned this debt with account number : XXXX. I contacted XXXX XXXX XXXX to verify this account that was not being reported accurately on my credit report. XXXX sent me a letter on XXXX/XXXX/2014, after reviewing their account on file they were deleting it from my credit report. The account was deleted from all three credit reports. Two months later the same account was sold to " XXXX XXXX '', I contacted them several times to dispute this account that had been closed. XXXX did not respond to my debt verification disputes for the past few months. XXXX resold the same account two weeks ago to another collection agency called " XXXX XXXX XXXX XXXX, formerly Integrity Solution Services ''. This account was closed from the original collection agency due to inaccurate reporting, and now has been affecting my ability to establish credit. XXXX has been ignoring my mail correspondence regarding the validation of this debt, and sold it again.
***IC SYSTEMS IS INEPT- THEY MUST BE HELD ACCOUNTABLE TO CONSUMERS*** IC Systems continues to report a debt that was paid years ago. I have called more than 10 times in XX/XX/XXXX and XX/XX/XXXX to have it sorted out but THEY CAN NOT FIND ME IN THEIR SYSTEM even using my full name SS number, past XXXX addresses etc. Yet, they continue to report this to the credit bureau. 

They do n't call or write letters- I only see it on my credit report and then I call them. I asked them what are we to do in this situation as it 's not fair to continue reporting it if IC Systems ca n't find it in their system to even discuss with me! 

When I call- they all say the same thing- sorry I ca n't help you, we can not find you in our system! And yet they are reporting every month to the credit bureau. 

I informed them I would have my lawyer take it from here but it seems very unfair the burden and expense is on me for doing so. I do n't know how else I can force them to get this corrected and hold them accountable for this error and the time, energy and effort I 've had to put into sorting it out. Not to mention the effect it 's had on my credit score and likely the interest rates I 've been on offered on my mortgage for example. 

IC Systems should n't be allowed to give consumers the run around like this and punish us for their ineptness. 

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