WillisBack/dataset-financial-user-claim huggingface dataset:
My complaint is about www.annualcreditreport.com. XXXX worked fine ; Trans Union said they were having technical difficulties and I had to request the report by snail mail. XXXX also said I had to request the report by snail mail. XXXX particularly asked identify questions that were such ancient history or so trivial I could not get them 'right '. For example, we had a loan with Bank X that was then bought out by Bank Z, but I could not remember when the buyout was so I got the answer 'wrong '. This is hardly the way to get accurate information to prevent oneself against identity theft!
I am sure we owe no debt but we keep getting a call from XXXX and it was always an automated system caller. It never mentioned who we were and what it tried to reach out to. It always asked us to call back to a XXXX number which totally makes no sense.
I sent letters with multiple request to have credit inquiries removed that I did not recognize from my credit reports. XXXX removed the inquires, XXXX and Experian refuses to remove the inquiries.
I notice my credit report has unauthorized inquiries, same place but different dates XXXX XXXX XXXX Date:XX/XX/XXXX XX/XX/ :XX/XX/XXXX Type All Banks XXXX Date :XX/XX/XXXX Type Telephone Companies XXXX XXXX Date XXXXXX/XX/XXXX Type Telephone Companies XXXX XXXX XXXX XXXX  Date : XX/XX/ Type All Banks XXXX XXXX Date XX/XX/XXXXType General Clothing Stores XXXX XXXX XXXX  Date:XX/XX/XXXX Type Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX   Date XXXX Type Auto Financing Companies
Before I XXXX to XXXX in 2008, I co-signed my wife 's private student loan since I was employed and she was a XXXX. I came home from XXXX XXXX and XXXX XXXX. My only source of income is VA XXXX and XXXX. My wife left me and got a XXXX about a XXXX after I returned. I have been making monthly payments to her student loan company for a few years now. I have never missed a payment and my ex refuses to take responsibility. I have made every payment but have also pleaded with the private lender to release me as a cosigner. They have refused, even after I have sent in a copy of my VA award letter stating I am a XXXX and XXXX XXXX veteran and I need my XXXX income to survive. I have pleaded with my congressman and senator to write a bill giving cosigner relief to XXXX and XXXX XXXX veterans. The XXXX Bank XXXX XXXX XXXX is XXXX of the lenders. Since I am a XXXX veteran from XXXX the service members civil relief act extends past my service. I informed them since I am a XXXX veteran they have to at least give me a 7 % APR under the Service Members Civil Relief Act and that request was denied. I believe that might be illegal.
XXXX XXXX. Last Payment date is not being reported properly after I sent the letter from XXXX. account should be removed immediately. i have sent them numerous letters and faxes to have this corrected and account removed.
I am being contacted and harassed by CFM Group in XXXX, GA re : debt collection on behalf of XXXX XXXX ( Uniform services provider ), which I do not owe. I bought a business in XXXX XXXX and had been getting uniform supplies from XXXX till XXXX XXXX, XXXX. There was no contract signed with XXXX by us. We decided to stop the services effective XXXX/XXXX/XXXX due to cost issues. A letter stating about termination of services was sent by mail to them. We did pay all the dues for services received from them. Last statement XXXX/XXXX/XXXX for {$61.00} was paid as well. They sent another invoice XXXX/XXXX/XXXX ( though no more services were received after XXXX/XXXX/XXXX ) stating that we owed them {$1300.00} ( with no explanations for charges of {$1000.00} in that statement ). Note : Weekly bills used to be around {$60.00}. They started harassing that previous owner had signed a contract and that i am responsible for it too. I tried to clarify that I have never signed a contract and thus have the right to cancel it any moment. I wrote them few letters but they never got back to me about explanation of charges. Now CFM has been contacting me with a bill which is 3 times higher the original demanded amount more than {$3000.00} claiming that these include their fees. Not only that the numbers that they provide me with on the phone ( which they claim were on the statement ) does not even match the one on my last statement sent by XXXX. The representative keeps on calling 2-3 times a day during business hours demanding for our credit card number. He does not want to provide any explanation for charges and uses very harsh and threatening language when we try to say anything about justifying the charges. He keeps on making different offers to settle it though I do not owe them anything. But his harassment continues. I request you to help me getting out of this harassment and close this matter with all due fairness.
I requested Debt Validation from XXXX XXXX XXXX. 
XXXX never responded. The credit reporting bureauXXXX, continue to show this invalid debt on my report. I would like XXXX to remove all references to this account. This Validation was sent more than two years ago and no response as of yet.
I C Systems Inc XXXX XXXX XXXX XXXX XXXX, MN XXXX According to the Texas Secretary of State Debt Collector Search site, this company has no active bonding company.
On several occasions a person that works for Weinberg Mediation named XXXX XXXX has called my phone and leaves messages regarding helping with litigation for my son. The latest phone call today this person stated in a voice mail, my son 's name, last XXXX of social, complete birthdate and my home address which is not my son 's address. Stating that they were now going to serve the pending litigation to this address. 
I would like these calls to stop and they be held liable for repeating secure private information to me. I have the voice mail saved and will forward upon request.
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against ALLIED COLLECTION SERVICE. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
This company has foreclosed on my home after it was put under the civil service protection act in XX/XX/XXXX. The initial paperwork said that no Legal proceedings would take place until XX/XX/XXXX. After recent investigation it has also been found that this same company falsified documents and committed other illegal foreclosure proceedings. They are currently reporting this fraudulent erroneous information to the credit bureaus. This company has did my family and I a great disservice. As a XXXX XXXX XXXX veteran I am disgusted with their illegal practices. Please investigate this company. This is not the first time they have been under investigation for practices such as this. I truly am in awe of the practices the government allow to take place by these big banks who just misuse mistreat and cheat our veterans. The ones who stood on the front line for this very country.
These companies has inaccurate information on my credit report and I want it off my credit report file. I contacted XXXX, and TransUnion on several occasions more recently on XX/XX/XXXX and  demanded that they remove the bankruptcy off my credit report because they violated the Federal Trade Commission and the Fair Credit Reporting Act when they claim they verified the information through the court system. I have a letter from the United State Issue : Bankruptcy Court that clearly states that they now nor ever validate or verify a bankruptcy. Because of that they clearly violate section 603 ( 0 ) ( 5 ) ( A ) ( I, III ) 611 ( a ) ( 7 ) of the Fair Credit Reporting Act, the court states confirmation of the corrections, truth, and/or authenticity of a testimony in a deposition. It also states that verification is a sworn testimony to have accurate information from the institution from which it came from and they have clearly violated these sections. I still trying to understand how they verified the information when according to XXXX, they could not verified the information and they deleted this same exact thing off my credit file. Therefore I would like it deleted from my account immediately. If this matter is not resolved by XX/XX/XXXX, I will file a civil claims lawsuit against XXXX, and TransUnion Credit Reporting Agency.
A former employer has stated I owe him money. However, according to my records I have paid this debt in full and in fact am owed money by this employer due to an overpayment. I requested a verification of debt and proof this money was still owed after my payments and my former employer provided only a copy of an invoice that he typed- no backup, no proof. I however provided a XXXX Page document showing that I do not owe this money and that is has been paid in full and that he owes me money. This is a civil matter between my former employer and myself. Only a court of law can determine if I owe him money or he owes me, not some third party collection company. Furthermore, a copy of a invoice with no backup is not a valid proof of debt - anyone can type an invoice. This collection co is also reporting to my credit as rental/leasing debt which will hamper my ability to rent a property. I do not owe a debt stemming from any sort of unpaid rents. My prior company is a XXXX. I do not owe any sort of rent to them which is what they are categorizing it as. I have called this company and mailed them a letter stating I dispute this debt. Their response is that the invoice copy is a valid proof of debt!!!
This is the SECOND complaint I am filing with the CFPB, and third written request, as Portfolio Recovery has not sent me proof of my obligation of this alleged debt as requested, and continues to report this trade line to the three major credit bureaus. This is creating major issues for me, as this is causing high interest rates, application rejections and a lowered credit score. I disputed these two accounts on XX/XX/XXXX of this year through XXXX, XXXX and XXXX to no avail. To date, Portfolio Recovery has continued to ignore my requests for validation and ignore my consumer rights. I believe that this account does not belong to me. I requested documents from their files used to verify this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. All unverified accounts must be promptly deleted. I received a letter stating that the account was " verified. '' Who verified these accounts? What documents did they use to verify? Where are these documents used to verify these accounts? What is the name of the person in their company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. Portfolio Recovery stated in their response that they have verified that the items listed are accurate but has failed to send me copies of relevant documents that they used to verify these accounts as per my request that tie me to this account. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they cant and did not verify any of the disputed accounts like they said they did. Portfolio Recovery 's failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law. This company is in violation for continuing to verify the accounts with the credit bureaus without providing the evidence as requested. I believe that Portfolio Recovery can not tie me to this account, otherwise, it would have been provided with my initial request. Portfolio Recovery is blatantly disregarding the law and consumer rights.
Aes credit XXXX XXXX XXXX XXXX, XXXX Whom make concern, i was working with one Employee, she did everything help me filled out a from for XXXX from VA Dr XXXX which from server XXXX, when working the lady, she new about my illness. My Doctor XXXX send to Aes twice first abbreviated words, then i got that he needed to send form without no abbreviation, which doctor XXXX did, so i thought everything was okay, but it was n't until Aes turn their loans over to XXXX. 
Which XXXX did work with me and doctor XXXX, which i was granted XXXX hardship.AES was calling me they over and over, i even had a AES a employee, she told me, to get XXXX over it, talking about my XXXX So call back got a hold supervisor. Then i asked for my phones calls notes, then told i could not get them, that they turn my loan over XXXX. But mean time i thought my XXXX was taken care of by AES, it was n't until I got a letter from XXXX that my loan was never taken care of, so i look on my credit report where AES show me beening late on my AES over and over, which if i have to i get information from my when forms where sent.All i asked to get a copy of all phones conversation and letter send out to me and form for my Doctor. XXXX one lady employee work with me to get all paperwork very nice, she knew my illness. My name is XXXX XXXX XXXX, my old address was XXXX XXXX XXXX, XXXX XXXX XXXX when we was working on XXXX form. My society security number is XXXX .my new address is XXXX XXXX XXXX, XXXX XXXX. XXXX. All i ask for AES give you all my phone calls and letters send to me and Doctor XXXX XXXX form send to AES released a copy to you. AES has hurt my credit report many years, which my Doctor send them the correct paperwork, which they said they lost. All proof are in all my Aes phone calls and letters. 
All i am asking for my credit report to be fixed and a letter that AES, was at fault because of bad training of thier employees, how treat people with XXXX. 
Thank You XXXX Bless
There is an account reporting on my credit report from XXXX XXXX which is saying the balance is coming from XXXX XXXX XXXX XXXX from XX/XX/2012. I never signed a joint lease with anyone, I have asked several times for a copy of this lease I supposed I signed. The credit bureau is allowing this allow to report on my credit report when it does not belong to me, Please have this account investigated and removed from my credit report. I contact the original credit XXXX XXXX and they are telling me they don't have a lease agreement with me or never had one with me. So I'm not sure where they are getting this information from. Please remove immediately. Thanks, XXXX
This company called me to threaten me with legal action regarding a payday loan from a company ( some marketing group ) I know nothing about. It was explained to them that I had taken out payday loans several years ago and they have been paid. I was then asked if I had proof of the payment. I stated that this was several years ago and I do n't have any information regarding it and that again the loan had been paid regardless. The representative stated that I was going to be sued and that they were going to deliver paperwork within XXXX hours to my address regarding a judgment hearing and that I needed to make sure that I signed page XXXX of the document. I stated that I would not sign any paperwork and I hung up. This company called me on both my cell phone and home phone numbers stating that there was going to be legal action and that either myself or my attorney needed to call back.
I was 30 days late on a XXXX phone warranty due to a computer glitch on my computer. 
This has dropped my credit score from excellent to fair I feel this is not right I always make double and or triple payments on everything I purchase.This was with Best Buy and i have talked with them but they said the can drop the late payment fee but can not change the reporting to my credit report.This was not my fault I am never late on an any bill but my computer stopped payment without my knowing.I work hard to keep excellent credit and feel I deserve a chance to have this corrected.Can you please help me out.Thank you XXXX XXXX
Last year I signed up for FREE services from Credit Karma. I was sent an email from Credit Karma saying that my credit score went down. So I logged into Credit Karma. I looked at what they said caused my score to go down and I logged off. I was charged {$2.00} to do that apparently. Where is the Free Services?

Then 8 days later I get charged {$22.00} by XXXX. I called them and they said by checking my credit report that day on Credit Karma that signed me up for credit monitoring for {$22.00} a month.

This is ridiculous! They are taking advantage of EVERYONE. Credit Karma says they are free but they charged me {$2.00}. Then XXXX signs me up without my consent. I never inputted any credit card or account information with them. How did they get my account information to even charge my credit card??? They charged my account for {$22.00} without my consent. That is illegal!

Not only can you not trust computers and identity thieves, now you can not trust the people that are your only hope of protecting yourself from identity thieves!
The mortgage servicing company for XXXX XXXX XXXX, XXXX, Az. failed to return excess funds at the close of escrow on XXXX XXXX, 2015. There appears to be a large accounting error and poor management oversight with our escrow account. The company Midwest Loan Service , Inc., failed to respond to therequest by the Title and escrow company handling the sale of our property. This failure has caused extra funds to charged via escrow at closing that were already covered in the escrow account. Also, they indicated that the property taxes had been paid to XXXX County, when in fact they had not! As of this writing, this company has not provided a proper audit or explanation of what happened to the funds accumulated in the account.
Fifth Third Bank locked my " make a payment '' feature which had an automatic payment. Since it locked that account, my automatic payment for my mortgage did n't go out, causing it to be late and more fees. When I tried to fix the problem, I just kept getting transferred from one person to another.
I paid {$2200.00} in interest last year. They reported to the government as being just {$900.00}. You can go through my statements and just add the interest. but on the form XXXX it is not correct. Feels like they are trying to pad what they are actually charging people vs what they send to the Gov. So they dont look like they are overcharging interest. <P/>Keep in mind all of my accounts have been current for the past 4 years. I make plenty of money to over pay these loans every month and I do ( XXXX+credit score ). Nothing is late, yet, upon logging into my account and viewing the documents they are sending to me XX/XX/XXXX i got my monthly billXX/XX/XXXX I got a final delinquency notice??? XX/XX/XXXX another document that says 8th delinquency notice??? XX/XX/XXXX Default notice??? XX/XX/XXXX Account adjusted- They decided to change my due dates without any kind of permission or request so that they matched up? the document does not clearly show what they changed and why. <P/>On all the delinquency material it says payment {$0.00} This makes no sense. I 've never gotten a call. I am afraid they have been XXXX me for a long time and I need help. I would be willing to fund anything I need to so this does not continue to happen to people that are not aware. <P/><P/>Any time I email support I get a generic email back with no way to continue a conversation or respond to follow up. I ask a question. They completely ignore it with a generic response and I am left with no solutions. Im not an accountant by any means so there could be and probably is more here that i am not catching. <P/>Interest seems to be calculated wrong. They forced me into all these forbearances years ago, said that i could not do income based repayment when I had almost no income they just called my cosigners and told them they were going to destroy their credit. It really caused a lot of family problems. My aunt decided to listen to them and take forbearances and now i pay 200 % interest over principle every month!!!!
we have a few problems with Bank of America 1. Bank of America issued an incorrect payoff to our attorney. 
2. we had closing on our house XXXX XXXX, XXXX 3. Bank of America lost the wire transfer to pay the house off. 
4. We called many times to try and resolve it and ended up wiring an additional {$9300.00} 5. We had had to pay for forced placed flood insurance through XXXX XXXX eventhough we do n't own the house. 
6. they are supposed to cancel flood insurance and issue a refund from closing date 7. they have n't issued a refund of flood insurance we sold our house. 
8. The house suffered substantial damage in super storm sandy. it needed to be torn down and rebuilt. the flood insurance did not give us enough money to rebuild. so the house had to still have flood insurance on it even though it had no insurable value. 

Bank of America gave the lawyer the incorrect amount for payoff. Our title company wired the payoff on XXXX XXXX. Several days went by and our account did not reflect any payments. We called our lawyer and then the bank. Bank of America kept saying it would appear and give it more time. Finally after my husband had called almost every da we found someone in payoff who looked up the wire by the dollar amount and found that it had been received by XXXX XXXX. They said the amount of payoff was incorrect we owed money for forced placed flood insurance. We wired the amount they said we owed over {$9300.00}. We had to pay for flood insurance for insurance from XXXX XXXX to XXXX. They would cancel our insurance and issue us a refund. We received a letter saying they would refund us {$1300.00} because the insurance was not needed after XXXX XXXX. Closing was XXXX XXXX. 
we called XXXX XXXX, XXXX and a bank of America representative said the check would be received by us by XXXX XXXX, XXXX we called XXXX XXXX, XXXX and they said to give it to XXXX XXXX, XXXX if we still have n't received it they would issue an new check. 
we called XXXX XXXX, XXXX they said they had no record of us deserving a refund check. finally after being bounced back and forth between many departments they requested we fax them the letter we received from then because they cant find it. 
Bank of America is very difficult to deal with. They should have honored the incorrect payoff or they should have deducted what we owed after the flood insurance was cancelled and had up pay that amount so we would not have to wait for a refund. or how about they cut us a break and not charge us interest for the last 11 months. we paid our mortgage up until XXXX XXXX we just could n't afford it anymore we had to pay rent on a place to live. Its been horrible since super storm sandy.
I been getting a {$2.00} dlls charge from a Macy 's card but mY balance its XXXX {$0.00} for about 3 months that I have n't used the card.
My car was repoed in XX/XX/XXXX. I filed Chapter XXXX bankruptcy and got the car back. I ended up having the bankruptcy dismissed due to the payment amount was too high. Prestige Financial let me keep the car and continue to make payments on it. Every month they are reporting to the credit bureaus that the car is in repo status and they are not reporting my on time payments. They also show that I owe over 21,000 on the car and I purchased it in XX/XX/XXXX for XXXX. I do not understand how I owe way more than what I purchased it for 4 years later and my interest rate was not extremely high to begin with. I have disputed my credit reports for them to show my payments I've been making on time since XXXX of last year. I have contacted them to also do this and no one can explain to me anything about the amount owed or why it reports repo on my credit reports.