WillisBack/dataset-financial-user-claim huggingface dataset:
Original Creditor XXXX XXXX sold the debt for a studio lease to National Credit Systems after they changed management companies. National Credit Systems added three tradelines worth of debt on three credit bureaus without proof and incorrect amounts and account numbers. Only one discrepancy  remains on Equifax and they 've refused to remove the last discrepancy because it 's due to expire in XX/XX/XXXX, the seven year mark, however it 's not fair and I 've been battling this for a long time over 3  years in credit repair. This is unjustifiable that three tradelines with inaccurate information were added to three credit bureaus and the only excuse they can provide is it 's due to expire in XX/XX/XXXX, I think I 've suffered enough injustice. Please look into this. Thanks.
RoundPoint Mortgage is my servicer. As with most homeowners, I pay escrow every month as part of my mortgage payment. However, RoundPoint paid one of my insurance premiums a week and a half late ( due XXXX/XXXX/2016 ) causing the insurance provider to cancel my policy. Four months later my account gets assessed with a forced-place insurance policy that is conveniently offered by an affiliate of RoundPoint. This made me angry for multiple reasons. One, I was unknowingly without insurance for several months due to an error which RoundPoint has admitted to, but still not corrected. Had something tragic happened to my property, I have no idea how RoundPoint would have addressed. Thankfully nothing happened to my home, but the concern is still valid. Additionally, my total annual premium is {$770.00}. The policy RoundPoint offered was approximately 6 times the cost of that. RoundPoint also forced a retroactive placement of the policy, so by the time I realized anything was wrong, I already had 4 months of charges against an absurdly overpriced policy. Additionally, one of their customer service reps notified me that the insurance vendor is an affiliate of RoundPoint. They profited from their own mistake! Despite 5-10 phone calls, and 20+ emails over the past 6 months, I am always left waiting for one of their " managers '' to return my messages after they promise to do so. I consistently get a few responses and then the trail goes dry. It 's like they 're purposefully waiting for me to give up.
Following up on case # XXXX. Citi told me in its response to my CFPB complaint that it would credit me XXXX miles within 60 days. That was on XXXX XXXX, well over 60 days ago. I called Citigold today to ask why the miles were n't posted yet and they told me it was XXXX XXXX ' fault. But then the rep admitted she could not see any record of the CFPB complaint ( which the executive response unit handles ) or of the letter they sent me ( and to you ) promising the miles. 
I just want these miles. It has been over 5 months since I earned them, and Citi has failed to fulfill the promise it made in response to my initial CFPB complaint.
On XXXX-XXXX-2017 I was reviewing my credit card billing statement from Chase, Slate credit on  XX/XX/XXXX billing statement my interest rate was at 23.99 and my XX/XX/XXXXstatement is at 24.24, I  called spoke with XXXX, he said there was nothing he can do to lower the rate as for the supervisor XXXX she said the same, I have been with them for over 8 years and they refused to help, I was told to check with the credit bureau, did not make sense, they have nothing to do with the rates, I was informed their rates run from 0 % -24.76, I just refinance my home, I have excellent credit, according to there review a good credit score should be offered at least 15.99 %.
Dear CFPB I paid my Gap card in full in XXXX. Apparently finance charges were added to account subsequently in addition to late charges causing a small balance to appear. I had no idea about this, received no bill at home or no notifications. I was only made aware when I check my credit report. Sychrony cancelled the balance out but the derogatory information still appears on my credit report
Tonight I called XXXX XXXX XXXX and attempted to pay off the remainder of my loan. 

I was told I can not pay it off for another 14 days till proof of my last payment ( posted XX/XX/XXXX ) shows in your system. 

I borrowed a total of {$2500.00} on XX/XX/2018 at an interest rate of 251.70 % To date, I have paid a total of {$3700.00} to XXXX XXXX XXXX for the borrowed amount. That is {$1100.00} in interest already paid. 

I was told tonight my payoff amount would be {$2100.00}, but I would be unable to make the payment till the end of the month per your system. 

That means another {$520.00} in interest will be charged before I can pay off my account. 

By that time, a total of {$4200.00} will have been paid. With the " payoff '' amount offered tonight, the total would be {$6300.00}. 

This is extremely insulting, unprofessional, and predatory. I just lost a huge part of my wages as my work has been greatly scaled back and I am in a very bad financial position. I was hoping to pay off the account early with some money I was able to save. Unfortunately XXXX XXXX XXXX is holding me hostage in order to collect two more payments of interest before I can pay off my loan. 

It is evident that the plan of action here all along is to string me along till the end of XXXX. 

It is extremely unfair to me. I have already paid XXXX XXXX XXXX {$1100.00} in interest since XXXX and I cant payoff the loan till more interest payments have been made.
I am a victim of identity theft. I filed a police report with the XXXX XXXX  Police Department this is the second police report I have made with the XXXX XXXX Police Department in reference to fraudulent and unauthorized accounts, hard inquiries and collection accounts listed on my Trans Union, XXXX and XXXX credit report. The police report case number that 's on file is : XXXX. I been receiving harassing telephone calls and death threats from creditors and debt collection companies in regards to the following accounts and debts that are fraudulent and unauthorized, and do n't belong to me. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, {$2800.00}, XXXX XXXX XXXX, {$14.00}, XXXX, XXXX XXXX, {$7100.00}, XXXX XXXX XXXX, the following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX/XXXX/2016, XXXX XXXX XXXX, XXXX/XXXX/2016, the following collection account is fraudulent and unauthorized : XXXX XXXX, {$290.00}
Our home flooded in XXXX in Louisiana, We have received our Insurance check to finish repairing our home. The Mortgage company had us sign up on XXXX and follow the To do List. It read ( which i have a copy ) to send the Insurance check unendorsed and a copy of the adjusters worksheets, which I did. Then the To Do List changed to we have to have a Licensed contractor. We are over 80 % complete in repairing our home and my husband was a XXXX for 19 years and chose to close his XXXX in 2014 because rising Insurance cost and bad employees. He then in XX/XX/2014 went to work for a XXXX, that XXXX. So this is what he does for a living. They told us that as of last year their company changed their rules and no longer let you self repair your home, which we have never received anything in writing. They also told me that they sent a flood claim instruction booklet to us when the claim started, but we never received it and they can not find in their records where it was ever sent. No one in Upper Management will even call us after requesting to speak to someone and being told on XX/XX/XXXX, that we would receive a call back in 3 business days. Now I need to know what and where to go from here.
I have XXXX XXXX accounts on credit report that is not mines and I have attached a letter from bank asking for them to be removed.
On XX/XX/XXXX I sent a certified mailing letter ( XXXX XXXX XXXX XXXX XXXX ) to Experian requesting the procedures for verifying an account with XXXX XXXX XXXX XXXX on my report. I had previously sent a validation letter to XXXX XXXX and they had been unable to show proof that the debt belongs to me. As a result, I wanted to know how Experian was able to verify the debt and I could n't. 

Experian has never responded to me. It has been beyond 45 days from the date they 've received the letter, delivered XX/XX/XXXX. 

This is a clear violation of the Fair Credit Reporting Act and Experian should be held accountable for non-compliance.
I received a phone call from XXXX XXXX on XXXX XXXX, 2015. They told me that for my website to be ultimatley profitable that I needed to add some major marketing to my new website. They led me to believe that I had no other choice and gave me what they said was a good deal for {$8000.00} They would create a VIP Advertising Package for my online XXXX. They have not done anything. When i call the number, it just continues to ring. XXXX has not provided what is set fourth in the contract and therefore I should receive a full refund.
Eqi ] uifax is currently showing XXXX XXXX account as open which is not true. That account been closed since 2011 please correct this information
Received XXXX services from XX/XX/XXXX-XX/XX/XXXX. XXXX received in XX/XX/XXXX did not appear to have proper insurance reimbursement and network adjustment through XXXX. Contacted XXXX and provider. XXXX response was unclear but blocked further inquiry. Began monthly letters to provider ( XXXX XXXX ) asking for clarification of charges. Provider only responded with additional invoices which had different amounts almost monthly. Received occasional phone calls from provider rep who agreed to look into the account but never submitted requested information. Engaged a medical billing dispute firm in XX/XX/XXXX. They also did not get the requested information. 
Today we received a notice from a collection agency in Wisconsin who asserted that they had been retained to collect the amount due, now shown as {$2100.00}. We had not been advised that this action was pending. Sent certified letter to that collection agency stating that the account is and has been in dispute since XX/XX/XXXX. We are basically being asked to pay an amount that they say is due without providing any substantiation. We are able to pay and have offered to do so with validation of the amount due. Total lack of response and responsibility by provider. May simply be a matter of how the charges were coded for insurance reimbursement ; but they have been unwilling to take necessary steps or provide the information that we requested.
I contacted 'Perfection Collection ' via phone XXXX on Tues. XXXX XX/XX/2019 to make them aware of a law suit pending with XXXX  XXXX XXXX XXXX XXXX ( I believe them to be one of the same owners ). I also explained that XXXX XXXX XXXX XXXX was in breach of the contract ( XXXX did NOT call police ) and Perfection Collection stated that I would still have to pay them ( because they supposely bought the debt from XXXX ). 

I asked Perfection Collection to forward me a copy of contract that states I still pay when XXXX is in BREACH of their contractual agreement. As of to date Perfection Collection has this BOGUS debt reporting on my credit reports and to think this company was trying to practice " perfection '' These 2 companies ( XXXX XXXX XXXX, XXXX and Perfection Collection ) are working together ( BOTH are located in XXXX, UT ) and scamming people out of money. I also have found that XXXX XXXX XXXX has had many businesses that have been shut down ( all indications are there and they are NOT good )
I have a a unverified account from ENHANCED RECOVERY CO. I had previously disputed this account. I have never done business with ENHANCED RECOVERY CO. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY CO. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY CO. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Received a demanding letter from Midland Credit Management ( MCM ) stating I owed {$760.00} to them. XXXX heading was Pre-Legal Notification. XXXX states, " If we do n't hear from you or receive payment by XX/XX/XXXX, we may proceed with forwarding this account to an attorney. '' I received the letter on XX/XX/XXXX 
I responded in writing disputing my responsibility for this debt and requested a validation notice from MCM. Note, their letter did not state that I had this option which I understand is required by the FDCPA. 
MCM submitted a response to my request with a statement from XXXX Bank. The name on the account is similar to mine but the address is Nevada. After a quick search, I found the person sharing my name who resides in Nevada with the matching address on the Credit One Bank statement. 
It appears that MCM targets individuals with similar or matching names and bullies them into paying a debt that they do not owe by threatening legal action. 
I have attached the letters I have received from MCM and my XXXX written responses disputing this debt. 
I have formally asked them to stop all communications with me regarding a debt that is not my responsibility.
i reach out to DIVERSIFIED CONSULTANTS reguarding them reporting a debt to my credit report with a complete different social security number, had to call over three times to get the account info so i can call the creditor also was blind transfer to a manager voice mail.who was previous rude as XXXX, without a care in the world.everytime i try to make me pay for another account that was closed out for fraud already in a different state i dont live in..worst experience i every had dealing a collection agency.also i never recvd any calls nor validation of the debt know as validity to dispute this matter before reporting this matter as all..
while checking my credit report with XXXX i noticed an account that stated that i was derelict in the amount of {$640.00} but was a balance of {$0.00} as present.i have no knowledge as to where this comes from. i have never had any relationship with this account.
20 YEARS AGO, TRANSUNION GAVE ME A CORRECT CREDIT REPORT. But now, they won't let me sign in to get a report, claiming " We are unable to confirm your identity What happened : The Identity Security System confirms your identity through a series of questions based on accounts and personal information contained in your Free Annual Credit Report. The system was unable to get enough information from the Free Annual Credit Report to complete this process. '' -- - This Happened XX/XX/2018 after the 1st question.

The OTHER 2 agencies have no problem. I tried to get a mortgage loan a couple weeks ago, and Transunion reported incorrect information to my bank, so I wanted to file a complaint.

I had a problem with them 10 years ago, but they put the problem on ME TO VERIFY MYSELF ( send birth cert., Driver Lic , and More ) - there was no CFPB to notify back then. They refused to attempt to verify over the phone ( back then, and I won't bother to repeat the hours on the phone ).

If they would " cross-reference '' my Social Security number with the other agencies, they could clear this up.
XXXX student loans keeps adding balances and subtracting balances from my accounts. This is adversely affecting my credit score. I 'm in the middle of financing and their frequent updates are detrimental to the process. I want my loans 7 years and older off my credit report because they are pass the statue of limitations for my state. I need this done ASAP, because XXXX reporting tactics or unethical.
On XX/XX/2018, I attempted to open an online XXXX account with the Department of Human Services in Illinois. As required for identification purposes, I called Experian to verify my identity. I was first refused because of a supposed " glitch '' in the system. After a second attempt, I was asked for a " verbal consent to check my credit history ''. Then I was told by that worker to " consult children and family services ''. The company flat out reused to identify me, even though I already have an active Medicaid case. I feel I am being discriminated against because I am economically disadvantaged, because I don't have a credit history.
My business went bankrupt after the crash of our local economy around 2009. Now that I have a job again, I have been trying to settle my credit card debt with Bank of America but I have found that the banks have written off the debt and will not allow me to settle with them but they also refuse to remove the judgement from my credit report which is giving me a low credit score and keeps me from being able to refinance my home. I am trying to recover financially from this failed economy but the banks that were bailed out are preventing me the consumer from any recovery financially. HELP!!
This is what happened. I had been leased for a car back in XXXX XXXX. I did n't know know anything about the creditor nor the bank that the dealer had done my loan account and amount for the loan I was asking for. I have never had the copy of the contract for the vehicle or loan. All I was giving was the application I did n't fill out. It was all electronic and electronically signed by the dealer. Until XXXX XXXX I was barely able to make the payments. I looked over the paperwork that the dealer had given me and the only thing correct on the application for the car loan and for the vehicle was where I was employed. My monthly income, when I started my employer, and my housing situation was all false information. I called the creditor to explain to then that the information was incorrect. They would n't change it nor listen to what I had to say. They claimed to have a paystub that I did not give them. The paystub they had informed me that I had gave them was dated for XXXX XXXX, XXXX. I had n't even spoke to them let alone fax such a paystub. I 'm very upset now because they finally came and reposes the vehicle after I had explain to them to come take the car back in XXXX XXXX. I can no longer get my personal belonging from the vehicle. I do n't car about the car itself. I just would like my personal belongings from the vehicle. The creditor who hired the repossession never contacted me so i was able to get my belongings out of the car. In fact I still have the key to the car. When I was at the dealer I was informed that there was only XXXX key and that was it. I never had duplicate. So currently i had to quit my job because I 'm not able to get to my employer. I ca n't get any of my personal belongings from the car because the company who took it for the creditor will not even contact me back about my belongings and I would never be able to get to the place the vehicle was take to. I need help to get this taken care of and I 'm a poor college student. I 'm having to move as soon as my current school semester is over in XXXX XXXX because I have been homeless sense last XXXX XXXX. I was actually sleeping in the car they had reposes. Credit Acceptance, home-base of XXXX Michigan is the worst
On XX/XX/XXXX, Wells Fargo alerted me via phone to possible fraudulent activity on my checking account. I immediately went to log in to my onlie account via the Wells Fargo App and found that I wasn't able to due to an incorrect password. After resetting my password and logging into my account I found that my account balance was incorrect. XXXX dollars had been transferred to my account and then taken out my via a non-Wells Fargo ATM in XXXX, North Carolina. Eight ATM transactions were made for a total of {$3900.00}. That same day I called Wells Fargo and reported the transactions. They then informed me that my online account had been hacked and that the money was a cash advance from my credit card account to my checking account. In speaking to Wells Fargo ATM/Debit claims department I informed that these ATM withdrawals could not possibly have been made by myself. I live in XXXX, GA and have not left the state in over 30 days. I have never given my pin number to anyone and that my debit card never left my possession. I received a letter from the Claims Assistance Center on XX/XX/XXXX stating that because the transactions were made using my card and my pin number that they were made by me or by someone with my permission. This is not the case. I was told there was no way to appeal the decision and that the only option I had was to request the documents used in the investigation. Which I have done. I believe that further action should have been taken by Wells Fargo. I can prove that I was not in the state of North Carolina at the times that the ATM transactions took place and I don't believe they can prove that I authorized someone to make these transactions. I have been with Wells Fargo for 7 years and if they had reviewed my bank transactions that they would find I don't use non-Wells Fargo ATM 's for large withdrawals and that I have never made 8 ATM transactions in one day before. I also have never made a cash advance on my credit card. I believe I was the victim of fraud and card cloning. I was treated unfairly by Wells Fargo when they didn't take into account my account history when they made this decision. They are now seeking payment for the cash advance and will not refund me the money taken from my account so it can be transferred back to the credit card.
I have a friend who is a resident of  XXXX  and has accounts in the United States at 2 financial institutions. One of the institutions being USAA. I have power of attorney for my friend at USAA. Just this year they have started withholding taxes on his CD and Savings accounts even though he has a   XXXX   XXXX   form on file and it is up to date. The form he has always used to not have taxes withheld. This form allows him the benefit of not having to pay taxes on any interest or dividends accrued on accounts because he is not a US citizen and does not live here or have any type of business. I have contacted USAA on several occasions regarding this matter and they are unfamiliar with the form and have stated they had an audit in   XXXX   of 2016 and deemed it appropriate to start withholding taxes because he is the primary on the account. Of course he is, it is his money and because of the treaty between   XXXX   and the United States he has the ability to be tax exempt. His other bank does not have a problem with this form and still honor it. The   XXXX   XXXX    form is very clear he is tax exempt.
Sincerely