WillisBack/dataset-financial-user-claim huggingface dataset:
I have been disputing with all three agencies.I do not have an account with this company, XXXX  XXXX.Nor have I been given a reason for any charges by original debtor XXXX XXXX XXXX owned by XXXX XXXX.who I tried to contact XX/XX/XXXX & XX/XX/XXXX. the manager, XXXX stole over {$6000.00} worth items from my apartment during XX/XX/XXXX. Police report was filed once I returned home my upstairs neighbors reported seeing XXXX carry my cherrywood armoire from my home and offering them my new appliances still in boxes.I confronted her in front of witnesses she admitted to taking my items but could n't get them. I was very upset because my fathers rings & bracelet was in there he past away. I had other items that past doctors and friend who died gave me.So I had irreplaceable items that meant a lot. XXXX so how upset I got then she stated ok just pack the items you going to take with you and do n't worry about trying to throw out anything I will take care of it.She promised to call me to come back and pick of my items.Instead the office asst quit and XXXX was never available or would n't answer the phone afterwards.Then in XX/XX/XXXX This company XXXX XXXX called me stating I owe $ XXXX.I asked them for what? Then I told them I do n't owe XXXX XXXX XXXX any money I paid rent on time and gave proper notice I was transferring.I never received any court date if I was being sued for this fraudulent Debt or I would 've have gone to court with my attorney to fight .XXXX is a thief I 'm not the first tenant being taken advantage.I do have witness to confirm all of this and my sheriff report I made in XX/XX/XXXX.after I found this on my credit report I have done 3 disputes with all 3credit bureaus starting in XX/XX/XXXX an attorney attempted to contact owner of XXXX XXXX XXXX  with no luck.i sent a letter to each credit bureau at end XX/XX/XXXXNo credit bureaus except responded.Experian notified me a chapter XXXX Petition was put on my report by XXXX  XXXX who I do n't have any account.This fraudulent has cost me loans for a home car and things I needed for my children.Because I may still have to move forward with an attorney I reserve the right to keep my police report number and witness information.thanks.
Back in XXXX of this year, I placed an order from a company in XXXX XXXX XXXX XXXX ), for some make-up items. Unbeknownst to me, the company shipped the order in way where I was to be charged for freight, even though their website guaranteed a fixed cost for shipping and delivery to the XXXX within XXXX business days. They used XXXXXXXX, and they also included a wrong telephone number to contact me. 

Apparently, XXXX tried to reach me numerous times but, since they had a wrong phone number, they could n't. When days were going by and I still had not received the order I contacted the company via email. They were very unprofessional and after much back and forth, they provided the airbill number to the package and I was able to contact XXXX to retrieve it. 

They delivered it to my house, and never told me I would be billed extra for accepting the package ( which would have given me the option to refuse it XXXX. About a month later I received a bill for over {$120.00} from XXXX for freight charges ( more than double the total cost of the order ). I called and explained to them the circumstances, especially that the merchant had been deceitful and was now no longer responding to me, but to no avail. I know they are required to tell me about any extra charges for picking up a package but they never did. Since I order from abroad all the time and this has NEVER happened to me, I had no reason to think otherwise. 

Since then, they have referred me to a collection agency, threatening my credit and are also now charging interest ( see attached copies ). I have filed a protest ( also attached ) with the XXXX Customs and XXXX XXXX ( as suggested by XXXX themselves ), as well as an amendment and sent it to them, but everything seems to be falling on deaf ears. 

Please, can you help?
On three occasion from XX/XX/XXXX- XX/XX/2017 I attempted to settle my debt by paying off a smaller amount. XXXX 's refused to negotiate or accept the amount I was offer. I have been out of work for an entire year with a very limited income and the continue to send letters demanding payment.
I have recently obtained a copy of my XXXX  credit report. it showed a credit inquiry by your company that i do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
I previously complained about our escrow account. Plaza calculated our tax payment incorrectly. After receiving the complaint from the CFPB, Plaza did an escrow analysis and issued a partial refund. They closed out my complaint with the CFPB but they did the tax analysis incorrectly and calculated our tax payment at double what the actual taxes owed are. I called for a correction and was told it would be fixed before the XXXX XXXX payment was due and never heard back. Our monthly payment should be lowered.
OnXX/XX/2015, I took out a loan with Avant for {$1700.00} with APR at 35.96 %. Total amount to be repaid is {$2800.00} with the monthly payment being {$77.00}.

I have made 42 Payments for a total of {$3000.00} over the last 36 months and I still owe {$260.00} on the loan. That is a total of {$3300.00} which is much higher than the amount originally defined in the loan terms.

XXXX ( Where I reside ) state law states that there will be no interest rate higher than 24 %. Even though I reside in XXXX, there is one line in the fine print of the contract for this loan that states that " Except to the extent, if any, prohibited by applicable law, this Note and all controversies relating to this Note are governed by federal law and, to the extent state law applies, the law of the State of XXXX. ". Because of this line, they are allowed to set any interest rate they desire as XXXX has no ceiling for their APR legally.

Even though the APR is high, I still owe more money than expected for some reason. We have attempted to work with the company several times but they WILL NOT offer any specific explanation of where the extra money we owe came from. The most they will say is that it is due to the " interest charges '' and if we want to stop accruing interest at a daily rate, we need to pay off the remaining amount of the loan ASAP.
Step 1 : What is this complaint about? 

XXXX XXXX has sent inaccurate tradeline information to XXXX about my credit card four times in XX/XX/XXXX.

I want the inaccurate tradeline information removed, and have contacted customer service at CITIBANK CBNA and XXXX to alert them that the information is inaccurate, and I want it removed.

Step 2 : What type of problem are you having? 

My credit report is continuously monitored by the XXXX XXXX  service by XXXX. I have received four emails in XX/XX/XXXX notifying me about changes to my credit report, made by XXXX XXXX. The changes to my tradeline that have been reported to me are inaccurate.

Step 3 : What happened? 

On XX/XX/2018 and XX/XX/2018, XXXX XXXX reported to XXXX that my account had been Affected by natural or declared disaster. 
This is wrong. I have not been affected by natural or declared disasters, and I did not make any such report, ever. I know of no natural or declared disasters in my surrounding area. 
On XX/XX/2018 and XX/XX/2018, XXXX XXXX reported to XXXX that Consumer disputes after resolution. 
This is wrong. I did not make any consumer dispute on my XXXX XXXX account in XX/XX/XXXX or XX/XX/2018 at all. I paid my accounts on time in each case, without making any kind of dispute. 

Step 4 : What company is this complaint about?

This complaint is about XXXX XXXX customer service and XXXX  XXXX XXXX Customer Care. 
I contacted the XXXX XXXX Customer Care Team at XXXX on XX/XX/2018 to report the inaccurate tradeline update made to my credit report by XXXX XXXX. XXXX    TrustedID Premier Customer Care Team told me there was nothing they could do, and I should call XXXX   XXXX. 
I called XXXX  XXXX  customer service ( XXXX ) on XX/XX/2018, and described the problem to them. They said they would clear up the inaccurate information and remove it from my credit report. 
On XX/XX/2018 I received a letter from XXXX XXXX saying they corrected the issue. However, they did not. The inaccurate information has remained on my credit report, and they have added more incorrect information each month of XX/XX/XXXX. 
In addition, the correction CITIBANK CBNA claimed to have put in place was in itself inaccurate. They said my account was no longer in dispute. That was not trueit was never in dispute in the first place. 
When I received information about more inaccurate updated tradeline reports being made to my credit report by CITIBANK CBNA, I called their customer service line again on XX/XX/2018 to complain about the inaccurate information they keep reporting to XXXX. 
Once again, CITIBANK CBNA did nothing to correct the situation. 

Step 5 : Who are the people involved? 

The people involved are myself and the customer service representatives at CITIBANK CBNA and XXXX XXXX XXXX Customer Care.
I have tried repeatedly to close my Sears account. It 's an automated phone system and you can not speak with someone. My account still has not been closed. I received a new card just yesterday.
In every attempt to open an account with a bank I am denied due to a bad report from Certegy. And it seems impossible for me to cash a 3 party check. I have obtained a consumer report from them and there are no outstanding Items listed in this report. There are only inquiries from my numerouse attempts to open a checking account to have the benefits that the establishment of checking and savings account ownership comes with. Thanks in advance. XXXX XXXX XXXX.
To whom it may concern, My loan was modified permanently on XX/XX/XXXX, after I made 3 consecutive trial payments.

Im filing a complaint against Ocwen for Misreporting and negatively impacting my 3 major credit bureau records. On XX/XX/XXXX, we were told by Ocwen agent XXXX  ID # XXXX, that the account had started to report current as of XX/XX/XXXX. However after printing a portion of my credit report which best reflects Ocwens reports, clearly show that the account is and has been reporting as over 190 days + late since XX/XX/XXXX.

We are seeking for this matter to be immediately researched and for corrections to be sent to all 3 major credit reporting bureaus : XXXX : XXXX XXXX XXXX XXXX, GA XXXX   XXXX : XXXX XXXX XXXX XXXX TX XXXX XXXX - XXXX XXXX XXXX XXXX PA XXXX Regards, XXXX XXXX
XXXX 's client XXXX XXXX is a victim of identity theft, her information was used without her consent to apply for several credit cards. An application was submitted for Chase and while no account was established the application left a fraudulent related inquiry on her XXXX  and XXXX credit reports XX/XX/XXXX ; an official dispute of this was sent to Chase/XXXX  card XX/XX/XXXX however they have no replied or sent a response which is a violation of the FCRA and her consumer rights.
The bank continues to send me notices, in which, they include the mini Miranda disclosure making them collection attempts. These letters state that they need my XXXX XXXX insurance policy. I had called them several months ago and gave them the number and information to call the condominium association. Being the absurdly horrible bank that they are, they have n't done this. I live in a condominium with well over 100 units, so I 'm sure they could cross reference with other mortgages at my address or they could contact the condominium association as I had directed them in the past. If these letters continue, I will pursue legal action against M & T bank for the time I have spent on this matter as well as attorney fees and applicable damages. It 's particularly interesting that no other bank that has owned my mortgage in the past ( there have been many ) has ever made this request. It further speaks to M & T 's incompetence, laziness and disregard for their customers time. 

Please let this clown show of a bank know they can reach my condominium association with the information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX & XXXX XXXX Phone : XXXX Fax : XXXX Email : XXXXXXXXXXXX
I have disputed the following accounts with equifax numerous times and despite my efforts they still continue to report. There investigations results are that the accounts have been verified as mine but they have yet to furnish proof of this. They informed me to reach out to the 3rd party collection that was reporting the accounts. I contacted them and the gentleman was extremely aggressive and began to yell at me for questioning the validity of the debts. I am at the end of the line and the negative reports of these accounts which do not belong to me are affecting my ability to obtain employment. I have attached a copy of my Equifax credit report reflecting the accounts. Below I have also listed them : XXXX XXXX XXXX : Account # : XXXX XXXX
IN REGARDS TO : TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I REQUESTED THAT THE COMPANY DO A DEBT VERIFICATION AND VALIDATION AFTER I SEEN THIS REPORTING ON MY CREDIT FILE. I NOYFIED THE COMPANY THROUGH LETTER CERITFIED ON XXXX XXXX RECEVIED BY AGENT XXXX XXXX.I EXPRESSED IN THE DEBT VALIDATION LETTER AND DEBT VERIFICATION THAT I AM VICTIM OF IDENTITY THEFT AND THIS ACCOUNT THAT THEIR CONTINUING TO TRY TO COLLECT ON IS CLEARLY NOT MINES, AND CEASE AND DESIST REPORTING IT TO THE CREDIT BUREAUS. 
MY REQUEST AND DOCUMENTATION OF THE ADDRESS THEY ARE REPORTING WITH THE ACCOUNT I HAVE NEVER LIVED AT WHICH MAKES NO SENSE I'VE HAD SEVERAL ITEMS IM FIGHTING ALONG WITH THEM FROM THIS SAME ADDRESS. IT HAS CLEARLY GONE UPON DEAF EARS. TRANSWORLD SYSYTEMS HAS YET TO PROVIDE ME WITH A ORIGINAL CONTRACT OF SOME SORT THAT HAS MY ORIGINAL SIGNATURE AND DO NOT PROVIDE ME WITH A BOLIER POINT BILLING STATEMENT OF CHARGES. ONCE AGAIN I'M SO UPSET ABOUT THIS AND IT'S APPARENT THAT WHEN YOU ARE A TRUE VICTIM OF IDENTITY THEFT AND YOUR IDENTITY HAS BEEN STOLEN NO ONE SEEMS TO CARE. THESE THEIVES WILL GO AS FAR AS TO PAY THE BILLS TO LIVE AS YOU.
Unfortunately I could only choose one option, however more than one does apply to my situation. On XXXX XXXX, XXXX, I closed my account with XXXX, which was paid in full Thru XXXX XXXX, XXXX. I had acquired a signal booster from XXXX as well, which was Returned on XXXX XXXX, XXXX, which was within the 30 days I was told to return it. I returned device to local XXXX store, which shipped via XXXX from the LocAl XXXX store to XXXX headquarters, the manager who sent the device to XXXX headquarters had rec for the shipping, as I have rec for returning device on XXXX/XXXX/XXXX. However XXXX HQ stated they never rec the device and sent me to collection. Collection company added XXXX to the already fraudulent charge of {$300.00} for a signal booster I returned. 
XXXX inc was the first collection Company which added {$190.00} to The signal booster charge of {$300.00}. for a Collection???? stating total debt due of {$490.00}. after responding to XXXX sending them copies of my receipts showing the device was returned, they took it off of my credit report and then sold the debt to Amsher. 
Before XXXX sold the debt I was able to clear my credit report up with the credit agency, showing I had no owed bad debt. Within days Amsher reported negative fraudulent debt against me again affecting my Credit report and FICO score, AGAIN, and have since hired an attorney. Amsher has also been copied on all receipts showing the device was returned my account was paid in full through XXXX XXXX, XXXX, to which I rec response stating they contacted XXXX & XXXX stated it was a Good Debt. This entire incident has negatively impacted me financially from a triple rate on auto insurance to an undeserved high interest rate for an auto loan, and since I REFUSE to pay a ridiculous int rate, because my credit is, or should be STELLAR! I pay my bills on time and owe NO ONE! This activity and collusion between XXXX diversified collection, XXXX XXXX XXXX XXXX attorney is illegal and 100 % fraudulent. I have been harassed threatened provoked and asked to settle on a debt I never owed. I have been told for a year that it will be taken care of only to continue to pay a ridiculous insurance premium and not be able to conduct business as I should, I am now without a working vehicle because I refuse to pay high interest rate and I see XXXX and these collection agencies not caring still one year later as I sit without an operable vehicle for something I never did this is illegal and corrupt, & needs immediate attention and resolve. not only do I want this removed from my credit now I want it backdated to when my credit report was first affected with all XXXX agencies that Amsher States they have submitted to. I am tired of trying to take care of this and fighting for myself and my rights with no resolve I have never heard of such monkey business. 
thank you I appreciate all you can do to help resolve the situation immediately XXXX
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX onTransunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
son has same name never lived at XXXX XXXX or worked at XXXX also have medcail coverage throuh the state of ct
Chase Receivables has been robocalling me several times a week with a message for XXXX XXXX. I am not this person, nor do I know anyone with that name. 

I called Chase back using the XXXX number given, explaining that I have owned my phone number for the past fifteen years and it does not belong to the person they are trying to contact. The service representative claimed that my number was not in their database. Since then, I have received at least two more calls for XXXX XXXX.
After successfully completing a 3 month trial modification which took the lender 6 months to get initiated, the lender did not follow through on providing the final modification document until 4 months after the 3 month trial was completed. During that 4 month period, I was told I could n't not make any more payments. When they finally provided me with the final modification document, I was told I had to make a lump sum payment for the 4 month period before the modification could be finalized. I made the payment and mailed the documentation. My certified check was returned and I sent it back. The lender denied the modification because they stated they did n't receive the payment or documentation. Subsequently, they acknowledged receiving the payment but not the documentation. They said I would have to start the modification process that took a year all over again.
Paid in Full Collection with XXXX XXXX XXXX ( XXXX ) in XXXX XXXX. This account has been disputed for incorrect reporting with XXXX to XXXX and TransUnion. It has been verified as correct. This account, XXXX, had a filed complaint with CFPB, it has been verified as correct. XXXX states that their information is correct and any errors are with the Credit Reporting Agencies, XXXX and TransUnion. 

XXXX is listed as a Factoring Company. It is listed as an Open Account. 
Per this case law, XXXX v. XXXX XXXX XXXX, Dist. Court, XXXX Arizona XX/XX/XXXX : [ XXXX ] XXXX argues that XXXX ' debt was not " in default '' at the time XXXX acquired it, and therefore XXXX is not a debt collector and not subject to liability under the FDCPA. 
[ 2 ] This exemption places the factoring of accounts receivable outside the scope of the FDCPA, thereby leaving a factor in the same position as the original creditor, had the creditor not sold his accounts receivable to the factor. By excusing factors from compliance with these regulations, the FDCPA respects a common method of business financing. 
The FDCPA defines " debt collector '' as " any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. '' 15 U.S.C. 1692a ( 6 ). Exempted from this definition, however, is " any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity... ( iii ) concerns a debt which was not in default at the time it was obtained by such person. '' Id. 1692a ( 6 ) ( F ) ( iii ). 

According to the XXXX, they have the option of reporting an Account Type of XXXX-Collection Agency/Attorney or XXXX-Debt Buyer ( which undoubtedly shows as Factoring Company in consumer reports ) XXXX incorrectly choose to report as type XXXX instead of XXXX based on the information in the reporting guidelines. If reporting as a type XXXX changes the value in a credit score more so than reporting a XXXX, that would be an incentive for them to mark it that way because that could significantly cause poisoning of reports.
I logged into Quicken Mortgage portal to make my XXXX Mortgage payment, the website and app are requiring a new mortgage application be submitted. There is no option to skip this in the process. Part of the forced mortgage application is asking for personal financial information and having credit re-pulled. I am not interested in a new mortgage, I just want to pay my existing mortgage. When we got our last mortgage, if we were to complete the application process, our rate would increase thus hurting us financial. When I reached out out to Quicken tonight ( XXXX XXXX ) through their online chat, the response was, we have a new system and please call in. Since it is after business hours, there is no one to respond to. This process is wrong and there is no resolution by the company. I am trying to make a payment by the allowed methods through quicken and they are trying to force a mortgage app. This is not ethical and I question the legality.
I referred several friends the XXXX cobrand credit card in XX/XX/XXXX, and as the terms described, I was supposed to obtain XXXX bonus points, but only XXXX XXXX points arrived. Following their terms, I waited for 12 weeks, and contacted XXXX at XX/XX/XXXX, and XX/XX/XXXX, and gave them the names to whom I referred the credit card. They said they opened a case but never gave me any resolution. I thought it was abnormally long waiting time.
Required down payment before credit was issued, shring private info like my ss # breached and should have PAID FOR THE condo in total, accepted several payments and stole the home in foreclosure two years later. HORRIBLE COMPANY, AND HORIIBLE TATTICS