WillisBack/dataset-financial-user-claim huggingface dataset:
Diversified Consultants Inc. ( DCI ) is reporting a debt to the Credit Agencies, and has never contacted me. I do not know them, or have I ever done business with them. I recently pulled my credit report, and DCI was reporting on to all XXXX agencies since XXXX 2016. I have never received a letter or notice from DCI, I never gave my prior consent, and was never given the option to dispute. 
On XXXX XXXX, I sent DCI a letter, see attached, in the absence of prior consent, or content from a court, they are to cease and desist until consent if obtained or provided. I to date, have not received any communication from DCI. Without being given the option to dispute, this entry has been in my credit profile for four months. 
Lastly, I am a victim of Identity Theft. I have no idea where DCI obtained my information, and again I would have clarified this situation, but was denied the opportunity to do so.
Hello, My complaint is with regards to my payments on 3 of 6 accounts I have with Great Lakes loan services. I am currently on deferment and I am aggressively paying towards decreasing the interest and principal on 3 unsubsidized loans I have with Great Lakes. These loans are named XXXX  XXXX, XXXX XXXXXXXX and XXXX   XXXX. 

Unfortunately, I do not have a record of the amounts owed for each of these accounts prior to making my first payment on XX/XX/XXXX ( below ), so I do not know if the money was allocated as I had authorized. 

On XX/XX/XXXX I authorized the following payment with clear acknowledgement from the representative of how the money was to be allocated with verbal read back : XX/XX/XXXX payment confirmation # XXXX of total payment of {$1000.00}. {$960.00} towards interest on tXXXX XXXX with {$34.00} towards principal on XXXX XXXX 

As of XX/XX/XXXX the balances for each account was as follows : XXXX XXXXXXXX Total Balance : {$6000.00} [ Principal Balance ( {$5400.00} ) + Interest Balance ( {$610.00} ) ]. 

XXXX XXXX Total Balance : {$8700.00} [ Principal Balance ( {$8700.00} ) + Interest Balance ( {$12.00} ) ]. 

XXXX XXXXXXXX Total Balance : {$4100.00} [ Principal Balance ( {$3800.00} ) + Interest Balance ( {$240.00} ) ]. 

OnXX/XX/XXXX I authorized the following payments with clear acknowledgement from the representative of how the money was to be allocated with verbal read back : XX/XX/XXXX payment confirmation # XXXX of total payment {$1100.00}. {$870.00} towards interest ( XXXX XXXX : {$610.00}, XXXX XXXX : {$12.00}, XXXX XXXX : {$240.00} ). {$320.00} towards principal ( XXXX XXXXXXXX : {$200.00}, XXXX  XXXX : {$120.00} ). 

OnXX/XX/XXXX I logged on to my account to see if the authorized payments had processed and found that the allocation of money was arbitrarily allocated. 

As ofXX/XX/XXXX the balances for each account was as follows : XXXX XXXXXXXX Total Balance : {$5600.00} [ Principal Balance ( {$5400.00} ) + Interest Balance ( {$190.00} ) ]. 

XXXX XXXXXXXX Total Balance : {$8200.00} [ Principal Balance ( {$8200.00} ) + Interest Balance ( {$12.00} ) ]. 

XXXX XXXXXXXX Total Balance : {$3800.00} [ Principal Balance ( {$3800.00} ) + Interest Balance ( {$3.00} ) ]. 

Nothing was paid towards principal on XXXX XXXX, which should have been {$120.00} as I requested as well as my request to completely pay off in full all interest ( {$610.00} ) on XXXX XXXX as of XX/XX/XXXX. 

Instead, {$470.00} was allocated to XXXX XXXX, which is not what I requested and {$40.00} was allocated to XXXX XXXX, which was also not requested. 

I was told over the phone that there would not be a problem fulfilling my request because there were no restrictions on the way I chose to allocate my payments. I purposely requested to pay the total interest accrued on the three accounts ( XXXXs XXXX, XXXX and XXXX ) in order to avoid any underlying complications. 

The way Great Lakes has distributed the money was unauthorized and causes confusion and frustration in determining the progress towards repaying my school loans.
FOLLOWING THE RECENT EXPERIAN CREDIT BREACH LISTED IN RECENT SECURITY WORLD WIDE ALERT STATES THAT THAT ONLY AFFECTED THE  CONSUMERS WHO VIEW THEIR EXPERIAN REPORTS ONLINE ( SEE ATTACHED EXPERIAN WEB DOCUMENTATION TO PROVE THIS TRUE ) I NOTICED THIS UNAUTHORIZED FINANCE ACCOUNT ( THAT WAS PREVIOUSLY DELETED/AND MARKED AS AN UNAUTHORIZED FRAUD ACCOUNT ) FOLLOWING THIS RECENT EXPERIAN CREDIT DATA BREACH EXPERIAN HAS RE-APPLIED THIS UNAUTHORIZED ACCOUNT ( XXXX XXXX {$1600.00} ACCT # XXXX ) BACK ON MY CREDIT REPORT WHICH IS ( AGAINST THE FDCPA LAW ), ALSO THIS ( UNAUTHORIZED HARD INQUIRY ON MY EXPERIAN XXXXREDIT FILE ) XXXX XXXX XXXX XX/XX/18.
Inquiries not approved by me, some inquiries were removed and put back by XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
XXXX store finance card from Synchrony is a predatory company that no one should ever borrow from. They provide VERY deceptive information about " late payment '' fees and the date these payments due are revolving. The charge is absolutely absurd as well and once an account is " closed '' they wo n't work with you to resolve any issues only ding you with massive late fees etc and laugh their way to the bank.
I have now had three inquiries from XXXX on my credit report. I have never used or interacted with XXXX XXXX company at all. How do I prevent this from continuing to happen??
Happy holidays everyone, I am writing this note and complaint to warn all military and veterans not to use this company for nothing whatsoever. First of all, Ive always made all of my payments on time and yet they are saying that I had a payment returned two weeks ago when I fully have all the payments made without any returns from my bank account. 
I called today XX/XX/XXXX to let them know that they have not released my funds which has been deducted from my bank account, so the agent says that he needs to call my bank to verify. I said go ahead, we did the verification with my bank agent and they said yes the amount have been deducted from my account and that capital one should made my funds available, but yet the agent says that they can not release the funds until 7nto 10 business days. So I ask for a supervisor and when he got on the phone ( XXXX ), also told me that I had a returned check, so I asked him to prove it and yet he couldnt. Because I know I never had a returned check for no reason whatsoever to capital one and I am attaching the screenshots so you can see for yourself. He was like, I can not release the funds. 
So tell me people what kind of practice is this method by capital one, I also told them that I need the funds to be released because I am out of the country and I need to make some purchases because that is the only card I have in our possession and yet he was formed on his decision that no no he will not release the funds until the 7th to 10th days. And yet on the capital one application it clearly states that funds will be available the next business day, so what is going on capital one are you that big now that you have a green light to abuse customers. Just shame on you. 
I have more complaints which I have more proofs just because I dont have the time and health I said forget it but now this is too much. And yes capital one I have the proofs for everything. Lets go to court and see who will win.
In XX/XX/XXXXI went to XXXX XXXX XXXX ( owned by XXXX XXXX ) a check cashing agency in XXXX XXXX MO to help pay my bills due to being a single mom that was getting no child support. Unfortunately, things got difficult for me financially and I ended up defaulting on this loan. I was taken to court and my pay ended up being garnished in XX/XX/XXXX. The case information for that satisfaction of Judgement with the XXXX XXXX XXXX Missouri Courts is as follows : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX. It states clearly that I paid it in full as a Satisfaction of Judgement is clearly indicated on the files that can be viewed by the public on Missouri Case.net I have also enclosed screen shots of this with this complaint. The satisfaction of judgement was entered on XX/XX/XXXX by : XXXX XXXX XXXX XXXX On Behalf Of : XXXX XXXX XXXX. I received a letter today, XX/XX/XXXX, from XXXX XXXX XXXX, XXXX. a law firm that does debt collecting ( XXXX ) XXXX referencing Circuit Court case # XXXX stating my bank account and wages will be garnished for this very same debt that I already paid for. They want {$3700.00} for a loan that was only {$500.00}. They have already garnished my bank account. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, MO XXXX TN : XXXX Fax : XXXX email : XXXX New Court Case E # XXXX
I began social security and the loan company XXXX decided I could get a total and permanent discharge based on the time my condition is set to last. I really need my credit score to go up and reflect this information please feel free to contact XXXX to confirm this information all these apartments do credit checks and im homeless so I need my score raised I have paid back many loans and cleared many bank accounts so please help
XXXX is not providing proof of reported debt for collection account. I have written and sent certified mail 3x to ask for proof of debt in amount of {$480.00}. 

They are erroneously reporting XXXX/XXXX XXXX  collecting {$480.00}
There is an inquiry from XXXX XXXX  in my XXXX credit report which I do not recognize. I am afraid this is a fraud case. The recorded date for this inquiry is on XX/XX/2018. Please help me out with this suspicious activity. Here is the contact information of the institution : XXXX XXXX, PA XXXX ( XXXX ) XXXX
XXXX XXXX XXXX XXXX is reporting a 30 day late/misses payment. That is incorrect, I never missed a payment, nor late. I have a XXXX balance. I disputed the reporting with the company and credit bureaus in XX/XX/2018 and it was removed. It was added back to my credit profile in XXXX again. I did not authorize a payment they said was returned and it was returned because there was fraudulent activity on my account and they refuse to properly look into this matter. Ive tried multiple disputes to get this resolved.
I received a random phone call and was told this company Equitable Acceptance could give me complete student loan forgivness if I paid them {$42.00} for 14 months. This would be the only payment I would have to make instead of several student loans. They told me I had 48 hours to make my mind up. I made the mistake of giving them my banking information and thought they would help me. Turns out the information they gave me was false. I got a real student loan bill form XXXX and wondered why I had to pay them as well. I called XXXX and they advised me I had been given false information and was in a scam and needed to call my bank. I changed my account number and the bank said they have saw this all before. I also called Equitable Acceptance and they told me I had to either pay {$42.00} a month for 4 years or pay {$600.00} within 3 days or I would be sued. This is a scam and I think it is disguisting. I want nothing to do with Equitable Acceptance. They prey on the poor middle class who paid thru school. I have enclosed the bank slip where they took the {$42.00} out on XXXX/XXXX/XXXX and it was even called a loan payment.This is a fraudulent company for sure. I want them out of my life. I gave personal information to a scam company.
I have requested the original contract from Equifax, XXXX, and XXXX on a collections account in my credit report. Each time I have tried to contact them dating back to XX/XX/2018 none of the three could verify that the actual debt was valid. Which leads me to believe all three, Equifax XXXX and XXXX are all miss informing creditors of my information, and in violation of federal law.
I have a mortgage with Mr. Cooper. This mortgage was sold to Mr. Cooper by XXXX XXXX XXXX during the great recession without my permission. 

There are three issues with Mr. Cooper that I currently have although I have had issues with them in the past regarding my escrow account.

Issue 1 - I contacted Mr. Cooper on XX/XX/XXXX to cancel my flood insurance thru XXXX and replace it with another policy that I had already paid for with equal if not better coverage. My flood insurance is paid thru their escrow department. I sent them a copy of the new policy with XXXX which showed paid in full. The XXXX Policy that I requested be cancelled had a renewal date of XX/XX/XXXX. They told me they had already sent a check to XXXX but would stop payment on it and replace it with the XXXX policy. I thought all was well until I received my escrow statement dated XX/XX/XXXX. After calling Mr. Cooper I found out that not only did they not stop payment on the XXXX flood insurance policy- ( verified by XXXX who never received a stop payment ) but they paid the XXXX policy also even though they had received the current policy showing paid by me. So they paid two flood insurance policies through my escrow. 
They want to continue to pay two policies and leave it up to me to figure out their mess. I did receive a refund from XXXX for the double payment but have yet to receive any credit for the cancelled XXXX policy. 
Issue 2- I have requested to have the escrow account removed from my mortgage several times with Mr. Cooper/Nationstar . The most current request was denied this month and their rep told me it was because I was 30 days late within the last year. I sent her a bank statement showing that I was in fact on time or early for at least the last 18 mos. ( and most likely for a lot longer ). She responded that her " system '' made a mistake- most likely a lie.

Issue 3- Mr. Cooper does not report my excellent payment history to the three credit bureaus which has the effect of holding me hostage to them. My mortgage is the only credit I have had so I don't show up in the bureaus and have been unable to get rid of them.
On  XXXX / XXXX / XXXX  I was treated at,  XXXX   XXXX   XXXX , an ER at a hospital in  XXXX   XXXX . The hospital remitted an invoice to me in the amount of {$720.00} claiming that I had no underlying health insurance coverage. I made repeated calls to the billing department explaining to them that I did in fact have health coverage and gave them my insurance  carrier  information,  XXXX  of  XXXX , PA, as well as my policy number.     I continued to receive an invoice indicating an outstanding balance. After repeated cal ls ( 3-5 times ), I arra nged a conference call with the billing department of the Hospital and the claims department with  XXXX . The apparent disconnect was an improper " billing code issue ''. At the termination of the conference call, I was assured that the claim was now properly addressed and that I could consider the matter closed. At this point I shredded my file on the matter-therefor I no longer possess specific information as to the origins of the claim, hospital name. etc.     Today,  XXXX / XXXX / XXXX , I learned via my  XXXX  credit report that this invoice was never paid ( or if it has been paid, it was referred to collections nonetheless  ) a nd I now have a delinquency on my credit report. Subsequent to my conference call with the hospital and my insurance carrier, which would have occurred on or around  XXXX  of  XXXX , I NEVER received any additional correspondence from the hospital or their billing department indicating that this invoice was never satisfied.     Consequently, I am contesting the validity of this debt ; I would like this item immediately removed from credit report, and would like to pursue any all remedies available to me under the laws of the state of Illinois as well as any remedies available to me under the relevant federal consumer financial protections.     I can be reached at  XXXX  or at  XXXX  XXXX  XXXX .     Thanks you fro your assistance in this matter.
On XXXX XXXX, 2016, I filed bankruptcy and the courts notified both Caliber Home Loans and XXXX but they are still trying to bully, strong arm and harass me publically by keeping the house on the auction market for a XXXX XXXX, 2016 sale at XXXX.
Nationwide Credit INC. called to say if i paid of my debt within a certain time frame that XXXX XXXX would reinstate my credit card and that my credit would show an active account. They took my money and my credit report states my XXXX XXXX account was charged off negatively effecting my credit. They lied from the very XXXX time they called and now when i call they cant access my account and the managers are always on break.
This Capital One says I had a card from XX/XX/XXXX & charged off in XX/XX/XXXXThat 's impossible as I never had this card or applied for it. 
I think it 's a part of fraud from long ago. 
However XXXX reports it as mine & it 's incorrect. 
Can you help me? 
XXXX XXXX XXXX
Navient withdrew an unauthorized payment from my bank account on XX/XX/2018. I did NOT authorize this payment and I certainly did NOT authorize it to be taken automatically. They did not withdraw this amount in the month before, so Im confused as to why they withdrew for XX/XX/XXXX. This is not the first time this has happened.
I have attempted to get my free annual credit report from Equifax, repeatedly. When I attempt to request it be mailed to me, they require information used when I created an account with them, online, almost 20 years ago. When I attempt to update log in information so I can access my report, I can not locate this option. I attempted to request a digital copy, but though the request went through, their " download '' link seemed disabled. I tried again on a different device and received an error saying digital format was unavailable. When I tried to file a dispute, they requested verification of identity, but all of the questions/situations offered were unfamiliar to me, then I received an error stating the information I entered didn't match their information. 
I have attempted, numerous times since creating initial account, to request a copy of my report, and have hit a brick wall every time. I feel they are intentionally making the process such that the average person can only complete it once ... EVER, using the logic that if you were able to complete it once, no matter how long ago, they fulfilled their requirement to issue a free credit report as required by law. Please look into and resolve this issue.
While working to get a repayment plan to bring the loan current or get a modification XXXX loans did not respond to request, sent letter that had expiration dates to offers for repayment plans weeks after they were due and failed to approve or deny a loan modification I requests twice. While working to prevent a foreclosure they continued to file documents to proceed with the foreclosure and falsified those documents stating they had no communication with me. 
They then sold the loan to Selene Finance who filed for a foreclosure auction on my property. After contacting them I asked to get a repayment plan and requested a modification. The next call to them the agent stated that the requests were never sent from the previous agent and they would check why. This agent stated that I could download the documents from their website and fax them to them. After talking with them today XX/XX/2016 I was not informed if there was repayment plan approved or denied. I was told that they would most likely not be able to process the modification because of the lack of time. I informed them of the previous forms submitted to XXXX loans and that there was a modification which was not approved or denied and was told they do not care what the previous company did. This is the third time I informed them that the process leading to this point was not carried out properly and all three times I was told by XXXX different agents that they do not care what XXXX Loans did. I believe that they are being negligent and purposely making the process difficult. They have no intention of following the law and despite me informing them of the issues they continue to proceed with the foreclosure.
I closed a NACA home loan in XXXX of 2015. Because the seller was not willing to make repairs to items a NACA certified home inspector required to be fixed, NACA impounded or held back XXXX dollars for these repairs after closing. These reapairs must be made by NACA certified contractors. 
After repeated requests to NACA for NACA certified contractors, they have ignored my requests after providing me with contacts that either do not do business with NACA anymore due to non payment or do not work in the specific trades needed to make the repairs. This has left my home unsafe for many months including exposed electrical and improper plumbing. I do not feel safe in my home and am fearful failures in my home based on the home inspector 's report will lead to additional issues that I can not be financially responsible for. Additionally, I am paying interest on these funds that have not been utilized for my benefit in the meantime. I alerted NACA last week or so that I would be reporting them to the CFPB if they ignored my request which they have.
I installed  XXXX   XXXX  service at my apartment. With my  XXXX   XXXX  service I was offered a  XXXX   XXXX . I took the offered. I was charged outrageous fees for used data that I did not understand, I also received equipment that I never ordered. I was charged for it. I returned the equipment, but theyvkept charging. While I was disputing the charges  XXXX   XXXX   XXXX  cancel my  XXXX   XXXX  service without notification.   I.c.  System Inc. do  not stop calling. They reported me to   XXXX   and  XXXX  that I know, I do know how many others.   What they do is they reported me wait a couples of months, withdrawed it, wait a couples of months a reported me again for the same thing. This is been going for the last year.
I opened a XXXX  credit card on XX/XX/2013. I used it, paid off the debt and closed it XX/XX/2013. It is still actively on my account and is effecting it negatively even though ive never missed a payment and ive closed it. It is also being stated as a current account.Ive asked for pay to delete but the company says they can not delete it off my credit report
To whom this may concern, I am a victim of identity theft and I have previously reported this to Chexsystems, the FTC, Local Police, the CFPB, and others - however - despite multiple attempts to contact Chexsystems I have not gotten a response from Chexsystems and negative known to be false information continues to appear on my report. However, whats worse is that Chexsystems has failed to following the rights, as explained on Chexsystems ' own website here : https : XXXX? MOD=AJPERES Specifically, at least the following violations have occurred : 1. ) Chexsystems has not initiated an investigation into my disputes and continues to request unnecessary information as an excuse for not investigating. 
2. ) Chexsystems has not provided me with a copy of my credit file in or provided me with a response to a dispute within the allotted time. 
3. ) Chexsystems has not included my " brief statement '' on file, meaning I am being denied my rights to dispute information that Chexsystems has failed to remove or properly investigate. 
4. ) Chexsystems has not resend my file to financial institutions who previously obtained a consumer file with disputed and known to be false information. 
5. ) More generally, Chexsystems has given me the " run around '' and has refused to assist in the understanding, disputing, or management of their consumer files. 

Given this situation, I am requesting Chexsystems promptly remove all previously disputed information and send a response via registered or tracked mail to XXXX, XXXX, California, XXXX, XXXX. I have experienced missing mail, which is also in my previous complaints to Chexsystems and thereby believe this requires the use of tracked or registered post to avoid the sensitive information from getting stolen and to confirm delivery. 

Should you have any questions or concerns, please contact me at XXXX or via mail to the address above.