WillisBack/dataset-financial-user-claim huggingface dataset:
A few months ago, a company called XXXX Collections added an incorrect collections account to my Experian credit report. Initially, I sent letters to both XXXX Collections and to Experian. Experian amended the item to say that it was disputed, but did not remove it. After a few attempts, XXXX Collections sent me a letter notifying me that the item would be removed from all of my credit reports. I sent a followup letter to Experian, certified with return receipt, saying that I was sending additional information to support the removal of this item from my credit report. I included a copy of the letter from XXXX Collections. 

Incredibly, instead of removing the item, Experian sent me the enclosed communication saying that " [ They ] received a suspicious request in the mail regarding XXXX my ] personal credit report and determined that it was not sent by [ me ]. '' The letter also says that they will not be initiating any disputed based on the " suspicious correspondence '' and that " Experian will apply this same policy to any future suspicious request that [ they ] receive regarding XXXX my ] personal credit information. " This is a serious problem, because some disputes ( such as faulty pseudonyms ) can *only* be handled by mail. Experian 's unilateral decision to ignore information that I provided - with my signature on XXXX the letter and a return receipt notice postmarked to the same address to which they sent the enclosed notice - presents an unprecedented breach of protocol. What further steps should I take to ensure that correspondence does not appear " suspicious ''? Get my letter notarized, perhaps? That will be next. 

I should add that Experian 's online dispute process has never worked for me - they have an authentication step that I can never complete, even though I know more about my life than they do - and they make it deliberately difficult to contact them on the phone. Now they have taken away the last known recourse available to me. 

Their letter includes a threatening allusion coordinating with law enforcement, but it seems to me that law enforcement should be investigating Experian.
I applied my car own through XXXX XXXX dealer in XXXX XXXX XXXX, VA. This dealer works with Capital one. Capital one gave me interest rate 6.45apr. My account number is XXXX. 
There are XXXX problems. First of all, my dealer XXXX XXXX who charged me more without my awareness. My loan amount should be XXXX, but it became {$15000.00}. ( The finance guy who worked for XXXX XXXX put extra theft preventive system charge on my account. Despite the paperwork has my signature on there, but my friend and I never got informed of this additional charge. ) This Finance guy left office already. So the GM from the Priority who admitted their fault and refund {$1300.00} to me. ( I think Capital one should return me the interest has generated from this extra charge. Because i should only pay the interest from the amount ( {$13000.00} ) i had borrowed ) Second, Capital One gave me an unfair interest rate. I checked rate from XXXX XXXX in XXXX XXXX, they gave me 4 % interest rate. However, when I went to Priority dealer, they used Capital one as their loan service. Capital one gave me 6.45 % apr. When I signed my paper with Finance Guy, I thought this loan amount {$15000.00} has included the interests for 5 years and the principle amount. ) I want Capital one re-evaluate my credit score and gave me a fair interest rate.
Loancare has used my escrow account and depleted it and is trying to charge me additional money to reimburse the escrow account. It is the first year of owning my home and they have not even paid ANY taxes our the escrow so it is not possible to have an increase. Also my house insurance rate went DOWN, so again there is no possible way this should have been increased. I have called on multiple occasions to ask for an escrow review and they have not responded or fixed this. They need to do a review of my escrow account and the illegal charges they have charged me. I need to reimbursed for the additional fees they added to my escrow account. They are trying to ILLEGALLY increase my mortgage payments by {$82.00}.
Two days ago I called XXXX & XXXX to cancel all of the mailings I had been receiving the number of years. I got letters about business ratings. I sold my business and the current owners were getting my XXXX & XXXX letters and it was a nuisance. XXXX & XXXX would not grant my request without my giving them my SS number. I refused. There was no need for them to have it. I was doing no business with them. Today, as I checked my credit report, I see a hard inquiry from XXXX XXXX, which happens to own XXXX & XXXX. I called XXXX XXXX to dispute and was told I need a letter of deletion from XXXX. The phone # for their info takes me to the mail room. I was giving another number to call. That just put me in a run around with no human contact. I tried another number, got a person, told my story, told they did not have permission to do a hard inquiry, that I needed a letter of deletion. I was told that in order to get a letter, I needed to give them my SS #. I said NO. If they did the fraud by making a hard credit inquiry, gave themselves access to my credit history, who knows what else they could do and why would I trust them with my SS #. So I received no satisfaction what-so-ever and I am the one with the undeserved point drop in my credit score.
On XXXX, I was speaking to a young lady by the name ofXXXX XXXX about a business venture where I would pay her {$50.00} to get started and she would " run '' some numbers and send the profit back to me. This conversation happened Thursday XXXX and I ended up sending {$50.00} to her by Western Union on XXXX/XXXX/2015. Then I got several calls and texts from someone name XXXX XXXX and when i tried to call XXXX back, no answer. Every since then this XXXX XXXX has taken over stating that XXXX did n't complete the transaction correctly. Yesterday I ended up having to send anther {$50.00} to XXXX XXXX by XXXX and still no profit. I called last night and today asking and demanding my money and his response was " these NUTS. " I just want my {$110.00} ( Money sent plus fees ) Even though the money was sent to XXXX XXXX, the person receiving the money is XXXX XXXX.
The problem is two fold. 
First you ( cfpb ) closed the complaint with Experian not addressing malfunctioning phone system, I tried after receiving your closed inquiring by calling XXXX, it still exists. It will not allow you to input menu options then disconnects. 
Second Experian stated incorrect information. Yes I am not employed, I AM RETIRED! I have income. I don't care if I was turned down for this loan. I am upset at the incorrect information and unable to contact. 
I have since my first complaint used automated systems to call banks, credit card companies, government agencies, and retail stores with no problems. The problem is Experian phone system.
I am a victim of deceptive advertising on a " care credit card '' for dental for my daughter. I read the pamphlet as well as my husband did. We applied for it with my sister as a co-sighner ... I have paid on this credit card for years ( approx. 9 ) years I borrowed approx. XXXX. I paid on this card a min. payment just to find out I had to pay by a CERTAIN TIME!!!. They added XXXX to my balance ... years later my balance is still XXXX dollars. I certainly would not have gotten this loan knowing what I know now.!!!! Please help me I want this loan gone I have paid for the XXXX 3 times over im done ... I feel so cheated. who do I go to. I was going to contact a lawyer not sure. 

XXXX XXXX ..
I have a a unverified account from CONVERGENT OUTSOURCING XXXX {$890.00}. I had previously disputed this account. I have never done business with CONVERGENT OUTSOURCING. 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 CONVERGENT OUTSOURCING 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 CONVERGENT OUTSOURCING Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
After the announcement of the 2017 Equifax Data Breach on X/X/2017, I entered my information on their site and learned that my information was compromised in the breach. I have attempted to reach out to Equifax to rectify the issue, but have still not heard back. Frankly, I do not find their plan to fix the issue ( their in-house credit monitoring tool ) to be acceptable, and I do not wish to continue business with Equifax. I know this is difficult since they are one of the big three credit reporting bureaus, but I still wish to distance myself as much as possible. I have since added a 90 day security freeze on my accounts to protect against fraudulent activity until this is resolved.
On my transunion credit report as of XX/XX/2018 it shows a collection/charge off account for the entity XXXX XXXX. I do not have nor ever had such account as listed as XXXX XXXX.
ILLEGAL RETALIATION & EXTORTION Federal Law entitles a consumer to file a complaint with CFPB if a financial institution engages in financial malpractice against the consumer. I exercised such right and filed complaints against OCWEN LOAN SERVICING , LLC recently. 

OCWEN agreed to correct its records and give me due credits only after I complained to CFPB. However, OCWEN retaliated against me for filing the complaints with CFPB as follows : 1. Following my complaint to CFPB in XXXX regarding OCWEN 's illegal charges of {$140.00} in my account, OCWEN credited my account for {$110.00} and denied the remainder {$25.00} ( EXHIBIT XXXX, attached ). In the process, OCWEN cancelled accrued modification incentive on my account ( EXHIBITS XXXX, XXXX, XXXX, attached ), but failed to identify and assign other eligible incentive as it proposed in EXHIBIT XXXX despite request that it do so. It is noteworthy that HAMP programs have incentives built in for consumers. 
2. In late XXXX, I filed another complaint with CFPB providing substantiating evidence that OCWEN illegally charged my account for the {$25.00} it had XXXX refused to refund. OCWEN, in turn credited my account for the {$25.00} XXXX EXHIBIT XXXX, attached ). However, OCWEN retaliated against me again by doubling my outstanding balance from {$2300.00} on XXXX/XXXX/XXXX statement ( EXHIBIT XXXX, attached ) to {$4600.00} on XXXX/XXXX/XXXX statement ( EXHIBIT XXXX, attached ), thus precipitating an artificial delinquency even as scheduled payments were made to OCWEN on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX in keeping with an agreement I reached with OCWEN following my Loan Modification as evidenced by the history of my previous payments ( EXHIBIT XXXX, attached ). 

There was no past due payment amount and there is no past due payment amount contrary to OCWEN 's notation in EXHIBIT XXXX. Such entry is an illegal fabrication and purely retaliatory and nullifies California Law that gives the consumer at least 10 days from due date to pay mortgage loan without any penalties. The retaliation is intended to artificially induce financial hardship, enable OCWEN to declare delinquency, charge late fees and foil my satisfactory execution of terms of the loan and ultimately threaten foreclosure.
I was automatically charged XXXX for a XXXX policy that I did not renew. The computer the policy was on no longer works. I would not renew a protection plan for a computer that does not work. I called the XXXX to get the charge off but they only gave me {$15.00}. They told me I had to cancel in 30 days but I never renewed the policy.
Constantly calling my personal phone 20 times A day and then calling my job 3 times in an hour XX/XX/18 XXXX and XXXX XXXX from this number XXXX
Screaming at my Manager and sharing informationCalled them names and Hangup every time, Calling my family members and asking for me saying is about credit debt
GLC financial stated that I took a cash advance from XXXX XXXX XXXX and did not pay. I went to XXXX months ago and they have no record of me doing a cash advance and they stated that there system has been hacked. GLC stated that they are sending me to the district attorney.
I was considering a purchase at XXXX XXXX and in order to hold my order they took a lot of personal information. They then opened a store credit card for me. XXXX XXXX then charged me {$6000.00} for something I never purchased. I did receive a credit of {$6000.00} when I complained. XXXX XXXX refuses to close out the credit card. I have requested this account be closed several times. I also do not want it on my credit report as I never applied for the financing as I did not make the purchase.
I've have several inquiries showing on my TransUnion credit report that I don't recognize. These items are listed below : XXXX XXXX plus XXXX XXXX XXXX
I co-sign on a loan with KIA Finance for my son. They initially started off with misrepresentation by telling me if I cosigned for my son for 6 months they would be able to take me off the loan. Later I found out that they could n't take me off and he would have to find someone to refinance the car in his name only. Now over a year later, I contacted my son so he could make a payment of {$310.00} by XXXX/XXXX/XXXX so my credit would not be messed up. I got the amount off of their website in the amount due column. Today I notice that the {$310.00} was paid but it was still showing us {$78.00} past due. It appears they took the {$78.00} out and applied it to a nsf charge that was done on XXXX and another nsf charge that was paid on XXXX/XXXX/XXXX. One of the agents said that whoever put the payment in put it in incorrectly and they can not apply part of the reg payment to nsf charges. I also asked if he owed these charges why did n't they take it out of the payment when he over paid in XXXX and XXXX. I asked if they could reverse the payment so that it will not show past due and they said they could not. They are giving me a credit for {$30.00} and I do appreciate that but it still does not help with the affect this will have on my credit. They told me that they could apply the funds paid any way they wanted to. I explained to them that one of the charges did n't occur until the XXXX of XXXX so we would not have had knowledge of this until the next statement was issued and the other charge should have been took care from the overpayments in XXXX and XXXX. Right now I am trying to get the {$47.00} up so my credit will not have any negative marks on it. I am totally confused at Kia 's misleading business habits. It is very upsetting to pay what their website asked for and find out the funds was mishandled.
I have a judgement listed on my report by XXXX that has been vacated or dismissed due to XXXX illegal collection tactics. Im currently disputing with Equifax and have recently disputed and they continue to somehow verify as acurate. I now have a copy of supporting documentation that supports my claime please note that there were several accounts dismissed are that were included with my lawsuite against them in the documents. Please review the uploaded documents.
Discover credit Card XXXX is calling my job about a credit card in my sons name. my son contacted discover and told them someone got a hold of his credit card and to close his account. at the time he had only two cards one XXXX XXXX and one discover. XXXX  closed his account investigated and concluded charges were not made by my son. my son has not applied for nor does he have any credit cards after this incident he said he never wants anymore credit cards he got the cards to help pay for his school books. discover has found my information and repeatedly calls my job. i have told them seveal times it it not my card and do not call my job, they continue to do so. the number they are calling from is a number you can not call back the number is XXXX they call my job every day evern saturday and sunday and its now become harrassment and i want it to stop and they will not stop.
I have confirmed I am part of the Equifax breach. I called the number they show as contact to find out more information on the breach. I was not given any information at all other than someone reading the exact wording that is already on the website. They can not tell me specific information about what information was breached form just myself. If it was credit card, or banking accounts, if it was drivers license or any specific information. If my bank acct number was breached, I need to know so I can open up an new account. If my credit cards were breached, I need to know so I can open up new accounts. And the same for any other information. This will cost me and businesses thousands of dollars to make these changes. But Equifax will not tell me. Just states they apologize for the inconvenience. Then I would have to PAY to freeze my accounts. Equifax should PAY to freeze all XXXX credit bureau accounts for me. I find it fascinating that they are allowed to do this. And that they are allowed to post on their website to call a number for more info only to be told the exact wording on the website and then " refer to the website for more info ''. So it is just a circle on non information. This needs to be corrected so we can KNOW SPECIFICS of what information was breached for each individual and Equifax should pay for the remidiation to correct such as free credit freezes and unfreezes for life.
I filled a claim with Charles Schawb bank regarding fraud on my bank account in XXXX. There are over XXXX worth of charges to XXXX on my account with I did not make or authorize. The claim has been denied and upon notification from the bank I was provided with a document from XXXX which shows all of the charges on my card. That document shows, that my card was manually entered on all transactions except one ( which the card was swiped ) There is a name on the room that is not mine and the signature is not mine. These are fraud charges and need your help in getting my money back.
I took out a payday loan with the XXXX XXXX in XX/XX/XXXX. The total loan amount was for {$1200.00}. Over the course of the next 7 months I paid back {$1800.00} ... which is way over the original loan amount plus interest. In the state of NC payday loans are illegal and I was advised in XX/XX/XXXX by the states attorney generals office that I only had to pay back the principal and nothing else. Because I had paid back the principal and interest I paid nothing else. I sent cease and desist letters and never heard anything else from them. Fast forward to XX/XX/XXXX ... 5 years later, a collection shows up on my credit report with XXXX XXXX for {$1700.00} from the XXXX XXXX! XXXX XXXX has never sent me a letter, phone call or anything for this ridiculous debt! This should be removed immediately from my credit report!
Agency rep called my place of business and pretended to be a customer calling to " confirm an appointment '' when I indicated I could help confirm that appointment, she asked my name and then asked my name and date of birth, I knew then that she was not a customer at all, just lied to extract information. I told her not to call me at my workplace
We received a promotional letter in XX/XX/2016 from Citi Preferred Credit Card informing us that we would receive 5 % cashback on everyday transactiaons, if we used their transactions for purchases during the holidays, up to XX/XX/2016. This 5 % cashback was supposed to be applied to the statement balance following the cycle, and would reduce the statement balance immediately for that period. This went well for the first month. Between XX/XX/XXXX and XX/XX/2016 ; we made approximately XXXX $ in purchases using this card, and a cashback credit of XXXX $ ( 5 % of XXXX $ ) was applied to the statement balance on XX/XX/2016. Noticing that it was working, we spent XXXX $ on the card between XX/XX/XXXX and XX/XX/2016, hoping to receive approximately XXXX $ cashback on the next statement ( XX/XX/XXXX ). However, only about a XXXX $ credit was applied to the XX/XX/XXXX statement balance, whereas we were supposed to receive XXXX $ ( 5 % of XXXX $ spent till XX/XX/2016 as per the promotional terms ). We called customer service numerous times, but kept getting transferred, and we were first told by a representative XXXX that the credit would be applied on the next statement, then upon disputing that, we were told an investigation would be started, and we would receive an email within 24 hours. However, nothing was done and no email was received. Upon calling again, we were transferred between 3 different people, and then informed a credit would be reflected on the account and we would receive a letter in the mail. Instead, we received a dubious letter stating that we had called to inquire about a cash advance, which we never did. 
In all, Citi Preferred Card is not honoring their own promotion, whereby we were supposed to receive 5 % cashback on transaction made between XX/XX/XXXX and XX/XX/2016 ; whereby we are supposed to receive XXXX $ cashback ( as we made XXXX $ worth of transactions ). Upon calling customer service, we are being harrassed and mistreated, keep on getting transferred and are now receiving dubious letters in the mail and email about things we never inquired about, instead of dealing with the actual cashback issue we have.