WillisBack/dataset-financial-user-claim huggingface dataset:
The company XXXX XXXX XXXX is a company I 'm not familiar with. They illegally put wrong information on my credit report. I filed 100 etc reports and will continue. Next I will be filing with the BBB. They refused CFPB direct contact stating they are a third party and refused to work with them. I feel with the breach my information was compromised. This company is fraud. I do n't owe any outstanding debt to anyone.
To begin with, none of the categories fit my problem. 

My deceased husbands car was financed by Capital One. I called today to pay it off, but, after speaking with several reps of the Estates Department over a 6 week period, now, on XX/XX/XXXX, I was advised by a rep to first find out what the requirements were for retitling the car in my state. One of the documents the Maryland DMV requires is a letter from the lienholder giving me permission to retitle the car in my name. Capital One says it does not provide such a letter and the Maryland DMV will not waive the requirement of that document.
USAA XXXX account still reflects XXXX late payments and XXXX unauthorized hard inquiry 's. This was said to be removed from my report. Nothing I seem to do will remedy the impact this still holds for my still developing credit history.
I have XXXX collection agencys trying to collect the same debt I called original company that I owe the debt to and they said that TRANSWORLD SYSYEM INC/XXXX should not be collecting debt however they are reporting to XXXX of the credit bureau they are trying to collect a debt that I do not owe them ...
Hello, For several years, I 've paid $  XXXX  to Experian for their credit monitoring service. If you look at the attached document, printed directly from Experian 's website, they say my score is  XXXX . You can see the url on that document.     I am also a member of  XXXX  and signed up today for Experian 's free credit monitoring service that they offer to  XXXX  members. The reason I signed up for it is because the  XXXX  website was showing my Experian  credit score  at  XXXX . ( I have also attached the document that shows that score, directly from Experian 's 'USAA only ' site, with url ).     A  XXXX  point differen ce is HUGE!!! I  want to know whether my Experian credit score is  XXXX  or  XXXX . Furthermore I want all of the money back that I 've paid to Experian for their credit monitoring service throughout the years since it is innaccurate.     If I do n't get my money back, I 'll request copies of the credit reports that  XXXX  pulled yesterday and that  XXXX  pulled  XXXX . Since I was rejected for both of those credit cards, I am certain that my Experian score will not show as  XXXX  which is what the Experian  Credit Monitoring Service t hat I 'm paying $  XXXX  for says it is.     It seems like I 'm paying for eith er 1 ) inaccurate information, or 2 ) a type of credit scoring model that no one is actually using to determine my credit   worthiness.     Please give me my money back.     Thank you.
I recently applied for a mortgage loan and was approved but my terms were not favorable due to my credit report. When I pull my own report, the values are higher and positions me to have a ideal loan. Unfortunately, the information submitted to loan companies is different by nearly XXXX to XXXX points which can truly affect interest rates. I pay a service to see my FICO scores yet what is reported is much lower. How do I resolve this? 

I have attached a snap shot of what the mortgage company received and what value I received from the actual bureau in which my approved mortgage value was affected.
This is a complaint about SageStream, a credit reporting agency. I have recently learned that a credit report from SageStream has adversely affected XXXX of my financial applications. SageStream has egregious requirements in order to view my own credit report from there including sending an excessive amount of personal information via insecure methods. This is completely unacceptable. If they want to be a proper credit reporting agency they should be forced to also be included as a company on the XXXX website. This information should be more easily accessible online.
The information about a collection bill is not mine there is only XXXX and it dropped my credit drastically I have never received any info about this collection bill and about XXXX days ago it showed up on my report
Rushmore Loan Services called me on XXXX/XXXX/XX/XX/XXXX at XXXX XXXX ET to demand my XXXX payment, which I had made the day before -- the due date -- via electronic fund transfer. Just a month ago, Rushmore sent me a letter stating my account was delinquent, and I filed a complaint with this agency. The XXXX time they made a bogus collection call was XXXX XXXX XX/XX/XXXX. I had sent a check one week earlier, and the caller stated I was delinquent. I pointed out to the caller that according to Rushmore 's payment coupon there was a ten ( 10 ) day grace period! When I returned to work, I checked my bank account online and saw that my check had actually cleared MY BANK on XXXX XXXX XX/XX/XXXX! 
Rushmore is abusive and bullying. I recommend that they be severely penalized -- even shut down for this on-going pattern of abuse. How many victims do not know their rights, or have access to prove Rushmore 's abusive behavior?
I sent in a principal payment of XXXX in online bill pay to be at Ocwen mortgage by XXXX/XXXX/16. I checked my bank balance and mortgage balance daily to see if it posted. By XXXX/XXXX/2016 I finally called the mortgage company and was told they had not received it, they recently had changed their mailing address according to the representative and thats probably why it was missing. They told me to put a stop payment on the check from my bank and gave me the new address to send it to. I put a stop payment on the check and changed the address in my bill pay to the new address. I had the bank resend {$27000.00} on XXXX/XXXX/2016 to be received by XXXX/XXXX/2016 to Ocwen Mortgage. In the meantime I received a letter from Ocwen Mortgage with my previous check attached to it stating they were returning it because if I was paying off my Mortgage loan they needed certified funds. I immediately called Ocwen Mortgage and explained to them that it was simply a principal payment and not a payoff payment. My payoff was {$29000.00} my check was for {$27000.00}. Fast forward my new online check was to be received by XXXX/XXXX/16 and I again checked my balances daily. Finally on XXXX/XXXX/16 and still no record of my payment I contacted Ocwen Mortgage they did say that they received my payment from my bank however payoff payments were to be made by cashiers check and I again explained that it was simply a principal payment. It was then explained to me that my bank who sent the money would have to call them and fax them verification that funds were there and they had subtracted from my account. This is online bill pay I explained and I have been using this for the last 7 years with no problems!! Why now? Finally I was given to an escalation manager and I reexplained my story and I was told that they would take care of it and would call me Tuesday XXXX to let me know status. I received a phone call on XXXX and they left a message stating nothing had been done and they would call me in a day or XXXX. I called them on XXXX XXXX 2016 and again spoke to an escalation manager who was really no help. I explained to her that I would be contacting cfpb if this was not resolved. In the meantime I have been paying interest on a mortgage balance of {$29000.00} instead of {$2500.00} since XXXX/XXXX/16. I simply am trying to have my payment applied to my mortgage.
For the past several years - at least 3 and probably more - I am continually being asked by Capital One to update my income. I have received letters about this via the US Postal Service. I have received emails about this to the email address Capital One keeps on file for me. And immediately after logging into my Capital One account I continue to receive numerous notifications telling me to update my income information. A few years ago when this first started these income requests were infrequent - approximately once every 2 or 3 months. In the last three months, the requests have been more frequent. They now only occur immediately after I log into my Capital One account, approximately every 3rd or 4th time I log into my account. 

Due to this increased frequency, on XX/XX/2017, I called the Capital One Executive Office at XXXX. I talked to XXXX. Essentially I told him what I described above. My purpose for calling the Capital One Executive Office, and not the regular Capital One credit card phone number, was due to my desire to speak with someone who could put an end to this - to cease these continued and continual requests for the same information that Capital One already has. Towards the end of our conversation, as I pointed out to XXXX and as XXXX acknowledged, my providing this information is voluntary. And as XXXX explained to me, I have the right not to update this information. 

Unfortunately, the phone call to the Capital One Executive Office was completely ineffective. The frequency with which I am being asked for this information has continued unabated. But as of today, XX/XX/2017, Capital One added a new twist to this. Prior to XX/XX/XXXX, when I got this screen immediately after logging into my account, I had one of two options to choose. Option # 1 was to continue ( to update my income ). Option # 2 was something to the effect of " remind me later '', or " not now '', or " go to my account ''. In other words, prior to XX/XX/2017, I could choose to ignore this screen and go directly to my account. But as of XX/XX/XXXX, only one option existed - " continue ''. So what Capital One did as of XX/XX/XXXX was to force me to go to the next page to update my income. If I did not do this, Capital One provided no other way for me to bypass this and access my account. In essence, I was denied access to my credit card account information. I have attached a PDF version of the income request screen as it appeared on XX/XX/2017.
PayPal signed me up for a credit card without my clear consent. I read a report by the CFPB in 2015 about the same kind of event. They allegedly signed me up for a credit card automatically when my PayPal account could not cover a cost. They never reported the credit card inquiry to any credit bueruo. When I notified the company about this they said that they did not have to report it. They have been incurring late fees on it since it has happened. They refuse to clear the debt despite me not having signed up for the credit card.
XXXX XXXX RAN MY CREDIT ON TRANUNION TWICE IN ERROR!
XXXX XXXX I requested a security freeze and suppression regarding my personal information with Lexis Nexis. I received a letter that both request were placed onto my account, but still Lexis Nexis still continue to release my information.
Dear CFPB, American Express sent me an offer to apply for the Business Rewards Gold card via my online banking bill pay screen. The offer was for XXXX membership rewards points for signing up for the card and spending {$5000.00} in 3 months. I pulled up the application today XXXX/XXXX/2016, as the offer expires XXXX/XXXX/2016 and I wanted to apply for the card before it expires. 
The offer showed the terms and conditions, and I read through them. There was nothing that denoted I would be ineligible for the card. 
I called to apply for the card but was told by the American Express membership rewards department agent, XXXX, that I was in fact ineligible. She apologized but cited terms and conditions that were not listed in the original offer that I had received. 
I think that this is incredible unfair. 
An offer that is mailed from AMEX to the consumer should include all terms and conditions. AMEX was apparently withholding the full terms and conditions. 
I feel that I have been mislead as a consumer, and that my time has been wasted. 
I had been planning on apply for this card all month, and now that I went to do so I was unable to proceed. 

I feel I deserve to be eligible for this card. 

AMEX needs to allow me to sign up for the card and receive the bonus, and this was the offer they originally sent me.
I have been trying to submit disputes for some inquires on my credit report for the past few months and Equifax does nothing to investigate the inquires in question. I have been unable to get help from the company who made the inquires and now Equifax wont do their part by investigating the inquires. I have attached a copy of the inquires in question.
I have previously filed complaints on this issue but the lender refuses to respond. My student loans are serviced through American education services ( AES ) but my actual lender is National Collegiate Trust who has no phone number available to the public and only a mailing address and they refuse to respond to correspondence. I am in need of a lower payment and i have begged this people at AES to assist me with my account both totaling to over XXXX $ per month and i still have other loans i pay with other companies like XXXX. My issue is the AES and NCT wont communicate or work with me. i am now delinquent because my payments keep increasing and i cant keep up. i would like to pay but can not due to the outrageous amount. I asked NCT to provide proof i owe them and they supplied me with a loan promissory note from a girl with a totally different name than mine, they sent me all her personal information so i can only assume they are giving my information out as well. The biggest issue is this companies buys debt and then you are unable to get in touch with the company and just told to pay whatever they say. can you help me get proof that they ( NCT ) even own my loan and if so get them to make my payment more reasonable because i cant afford this at all.
Hello, I as a consumer of Chase Credit card, my APR for this credit card is at 23.99 % never been late or missed a payment. Spoke to a financial manager XXXX who stated that we do not negotiate APR 's and will not lower them. This is outrageous for the consumer when my credit is excellent. I would like some action done on this as there is no reason this should be happening to good consumers as myself.
I continue to receive calls from Portfolio Recovery Associates. No message is left and when I answer the call no response. I have no idea why they are calling and a few years old sent them by certified receipt a letter of cease and deceit ( XXXX XXXX, 2012 ). The phone calls began again a few weeks ago. I block the number and of course they call from other numbers. I am again sending them another certified letter. Their tactics are horrific. I owe no XXXX anything, so I have no idea why they are calling me. They call my landline at the least XXXX a day, do n't answer no leave a message. I do n't know what else to do to stop them from harassing me via telephone call or other wise. My next tactic if this not resolve their annoying phone calls is to take legal action against them.
I received two letter one from transunion and one from XXXX   stating they placed a fraud alert on my credit file. I have not placed a fraud alert on my credit file. I don't want the one year fraud alert on my file. I looking to refinance a property and having a fraud alert could possibly hinder or make it more difficult to receiving financing. I would like the fraud alert removed as soon as possible.
I went to pay off my loan with BB & t, they told me they would not accept my payment. that I had to request a payoff and go through process. I had submitted for payoff. this was a branch manager that was going to hand me back my payoff checks and not payoff my loans. She ca n't refuse me this. A teller did take my money but for a manager to act this way was inappropriate
There is mistake in my report "  XXXX   XXXX   XXXX  Account #  XXXX  '' I do n't recognize this account
checked my credit report about 6 months ago and saw that a payday loan of {$1400.00} from SpeedyCash which I never applied for. Disputed the loan several times with them via phone calls to which has not been successful. I also disputed this loan with XXXX but haven't seen any replies back.
Portfolio Recovery LLC, willfully violated Chapter ( XXXX ) The failure to disclose in the initial written communication with the consumer Portfolio Recovery Associates, violated chapter ( XXXX ) of the Fair Debt Collection Practices Act FAIR DEBT COLLECTION PRACTICES ACT, as amended by Public Law 111-203, title X, 124 Stat. 2092 ( XXXX ). Portfolio Recovery LLC, willfully violated Chapter ( XXXX ) The failure to disclose in the initial written communication with the consumer. Portfolio Recovery LLC, willfully violated Chapter ( XXXX ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector. I sent XXXX XXXX a dispute letter dated XXXX XXXX, XXXX attached and XXXX XXXX failed to respond. But Portfolio Recovery LLC sent me a letter dated XXXX XXXX, XXXX where they stated that I disputed the debt from them, which was false and I consider their response a letter of harassment as I did not write them as I never received the initial written communication to me. They are civil for damages for their violation 813. Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; I expect them to comply with the federal act and they willfully violated the federal law.
I received this letter from this collection agency informing me that I owe them a debt and upon further review I noticed that this debt was with another debt collection agency prior with whom I disputed the debt. It appears that they may have sold the debt and this company is now trying to collect
Income execution ordered on a debt I have relentlessly fought to object over 15 years. Debtor has used tactics in the past over the phone that were threatening and has on multiple occasions used the threat of jail time to secure payment. I do not know nor recall owing any debt to this company however every year since 2004 they have been harassing me. I would like Pressler and Pressler to cease and desist. Also, they should vacate the income execution order. I am unable to provide sufficient representation to fight this matter. I am therefore request your assistance and direction in the effort to oppose this matter. It is causing XXXX.
My former employer 's payroll service XXXX mistakenly issued a Direct Deposit into my account on X/XX/17 almost a month after Ieft the company. I received an email only from the company 's accountant advising of XXXX error and that I would see an in and out of the ACH, as they are voiding the deposit. Which is exactly what occurred. The beginning of XXXX I received a letter from Brennan and Clark collections stating I received a letter from XXXX demanding the money back? As per the letter, I emailed them with documentation from my bank that the deposit was voided, and I actually was charged an NSF fee for the bad deposit. My credit union did reverse this as a courtesy due to the circumstances. After 3 emails and no reply from XXXX XXXX XXXX, I called the representative shown in the letter, he accused me of manufacturing the documentation, was rude, threatening and hung up on me. I have since emailed them documentation including a letter from the credit union confirming what occurred. XXXX finally replied and said I still owe them money? I did n't withdraw the funds from the bank, as it was voided the same day. They are completely unreasonable and it 's XXXX sloppy bookkeeping and banking practices that are the issue. I have included some research into Brennan and Clark 's tactics!
I found wrong personal information in my annual credit report, they are : one wrong telephone number and 4 wrong addresses under my personal information Tel # XXXX Address 1 : XXXX XXXX XXXX. XXXX XXXX XXXX , MO XXXXXXXX  Address2 : XXXX XXXX XXXX XXXX , WV XXXX Address 3 : XXXX XXXX XXXX XXXX XXXX , AR XXXX Address 4 : XXXX XXXX XXXX XXXX , IN XXXX
Citizens Bank, allegedly from XXXX, CT made a hard credit inquiry on me to XXXX. This was not authorized and efforts to remove it are impossible. Their phones are just answering machine. This is illegal and I want the inquiry removed.
I have been purchasing Experian Credit Check and ID Monitoring through XXXX since XX/XX/XXXX. 

My last credit event was in XX/XX/XXXX. My Credit score changed on XX/XX/XXXX with Experian to XXXX. With no increases or purchases ( and payments made timely ), my score changed on XX/XX/XXXX to XXXX. I was waiting for an increase of score because ( 1 ) I have paid timely over six months, ( 2 ) the holidays were over with no new purchases ( except XXXX which is in it 's XX/XX/XXXX cycle ), and ( 3 ) I am paying off a credit on XX/XX/XXXX, which has a balance under {$900.00}. 

I have had no new inquiries or bad reporting events since XXXX XXXX when interest pushed me over the limit on a XXXX XXXX account. I discussed it with XXXX XXXX. 

I am currently attempting to relocate to my home state of Texas, and I will need to purchase a house. I am building from having to pay off a co-signed obligation in XX/XX/XXXX. I have watched score go up and down and was able to identify the reason until today with Experian. 

I received notification this morning dated XX/XX/XXXX that my score has been updated. It dropped 30+ points to XXXX with no reason. The last alert was a change of address. The dashboard also advertised to buy a 3 agency report. 

I immediately called Credit Check and ID Monitoring. The representative tried to give the XXXX formula speech. I explained over and over that my score had changed and absorbed issues she was seeing. She giggled about the situation. I told her, I would see what FTC has to say about the situation. 

I pay monthly to monitor my report through this service. I should not be given a requirement to purchase a 3 agency report. 

This action can block my ability to purchase a home with NO rationale or evidence. This means Experian is playing with my life. This should not be a power of a company that can not show ethical and accurate information. 

The representation of this company is untrained and limited in empathy and education of the formula. 

I suspect this is a beginning of XX/XX/XXXX move to increase revenue for the company by making current participants pay extra by changing scores for no reason.
I recently submitted a report identity theft due to recent discovery my identity has been comprised. The following items should be removed and deleted from my credit report Account Numbers : XXXX   XXXX XXXX # XXXX these accounts are Identity theft please delete. 
XXXX XXXX XXXX XXXX, XXXX this account is fraud please delete. 

XXXX XXXX XXXX XXXX This account is an error duplicate entries please delete I do not recognize this company. 
XXXX XXXX XXXX XXXX All of these accounts should be reviewed and removed as soon as possible. I sent info for TransUnion or agent of TransUnion to do a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. 

I am in need a complete and well done investigation no XXXX system thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine though your company claims to have verified this.