WillisBack/dataset-financial-user-claim huggingface dataset:
A collection company named Kansas Counselors has reported three collection accounts on my credit report. They were supposed to supply me with a notice of my right to dispute, prior to putting these accounts on my credit report. However, they did not.
While checking my credit report in  XXXX   2017  I noticed that  XXXX  company was being deleted and then it reappeared. I 'm not really sure why the company feels the  need to delete an d then re-add the debt which in returns causes my credit score to go up and down.
Navient did n't let me enrolled  into an Income Repayment Plan  because it kept informing me to put my loans in Forbearance
Recently, a company named Merchants Credit Guide started reporting a collection account on my credit report. I have no idea who or what this is. The Fair Debt Collection Practices Act states that a collection agency is required to provide a 30-day notice to dispute, prior to an account such as this be reported on my credit report. I received no such notice, and was not provided with the opportunity to dispute this debt, prior to this company reporting it on my credit report.
I did not get notification of an alleged debt that should have been paid in full by my medical insurance. 

There was no communication from this debt collector and the Collection Agency reported this negative trade-line in my credit report without giving the option to dispute to dispute and ask validation of the debt, I need all the documentation, with payments applied by my insurance and I believe this XXXX XXXX XXXX overcharged me for the procedures performed.
Unauthorized Inquiries made on my credit report : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Contract Callers Inc used fake verification after I asked them to validate the dept this collection is not mine and I want them remove from my credit report on the bill statement they sent XXXX has the total due date XX/XX/2018 but on my credit report it says that this account with contract callers was open a year ago. The dates do not match up and also has the wrong address on it
Hi, I recently pulled my credit report and saw that Incorrect information was listed. I sent a goodwill letter to Capital One and disputed with them and no one would help me. Ive disputed several times because Ive never been late making payments. Im very frustrated at this time because the inaccuracies were not updated to a positive status. Ive been a loyal consumer since XX/XX/2014.
The company Navient has been calling me telling me I owe them money, but my original loan was through XXXX XXXX in XXXX of 2006. I am not sure when Navient claimed to take over my loan, but I asked for paperwork from them showing that I owe this debt to them. They sent me a typed up paper, including a typed signature of my name, that had stated my original loan was XXXX. Navient is now telling me I owe XXXX, but can not tell me how the loan got that much. They have not provided me with paperwork confirming it. There are many problems with the one paper Navient sent me.
My complaint is about what happens when a credit card cash advance is made. I do not take cash advances on my credit card, so I was not aware of how the credit card companies handle repayment of cash advances and corresponding interest charged until a few weeks ago. ( Overdraft protection for My USAA checking account is my USAA credit card. USAA. By mistake, USAA invoked my overdraft protection for a charge to a checking account that was supposed to be closed. It is what happened when the cash advance was made that triggered my frustrating experience. My frustration is due to how the cash advance affected interest charges to my credit card account -- and that is probably not USAA 's process but either XXXX 's or XXXX 's. Since USAA also switched from XXXX to XXXX during this time -- I can not determine which company is at fault -- but they probably handle cash advances the same way. 
What I want to happen is for the Consumer Financial Protection Agency to make industry-wide changes for all credit card issuers. 

Usually, I pay off my credit card balance in full, and no interest is charged. 

But when a cash advance is made, if I pay the statement balance in full, I will also incur an interest charge on my next statement for that cash advance, if I charged purchases after the first CC statement date. [ YES, this is confusing ] So, the only way to stop interest from continually accruing each month after a cash advance has been made, is to CALL my bank, find out the total account balance on the day I call, and pay it all off immediately, so the account balance is XXXX. If I do not do this and pay the statement balance in full each month - I will get an interest charge on every future statement for the cash advance I took months before. 

I am sure most people are not aware of this. It is unethical. If the credit card company is going to treat regular purchases differently from cash advances, the customer should be able to pay them separately. AND YOUR DEPARTMENT SHOULD SEE THAT THEY CAN. 
I can think of several ways to address this interest scam - but I 'm sure you can think of better solutions. The point is there are solutions that are fair to the customer and the company making cash advances ; solutions that are not ripping off customers. For example : 1. When cash advances are made, the credit card statement should separately list regular charges and interest accrued, and cash advance totals and interest accrued for that month. 

2. Customers should be able to pay off regular charges & their interest, and cash advances and their interest SEPARATELY. 

3. Customers should be notified IN LARGE PRINT, on any statement with cash advance charges/interest, that the only way to pay off cash advances and corresponding interest charges completely is to call the company, get the current cash advance balance ( including interest ), and pay while on the phone. 

4. Customers should be able to indicate with their statement payments that all interest and cash advances should be paid off first, and the remainder of their payment should go to regular charges.
There was a charge of {$19.00} to my account without my permission or knowledge. I called to dispute it and request they return my money as they unethically did not notify me before the charge and was not even the amounts vof the monthly service that I had previously cancelled. The representative stated that they were " processing fees '' and valid. I requested a supervisor and she refused. I have since had to freeze my account get a new debit card that I had to pay extra {$20.00} for shipping to get my debit card. Not to mention my credit score has dropped by XXXX points since I started using the service.
This company XXXX XXXX has purchased a debt from XXXX/XXXX. The company sent the debt information to me and it does not have my signature and it was originated from a unknown address. I want XXXX to stop verifying the debt as mine, I am disputing this debt and they continue to verify the debt is mine, provide my signature for the debt or delete it from my profile. XXXX   credit card account ending with the number XXXX.
I do n't know the dates it was back in XX/XX/XXXX, XX/XX/XXXX... im not sure of the amount it sseems to keep changing. I had a job they were taking money out twice a week.. the amount never went down there 's no way im ever going to get this repaid i ca n't pay them and they want half the amount but did n't send any information. I need this to stop im not working yet my credit score keeps going down so i cant get a car, a house or anything i need and i ca n't go back to school they say until its all paid off and i need to get back to school to finish.
" " '' I have disputed this Charge Off on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Hello I have to carry Wind and Hail Damage Insurance on my home. XXXX that carries the mortgage has fail to pay the insurance to XXXX XXXX XXXX XXXX, Texas. XXXX as not paid the insurance to XXXX XXXX, because XXXX of their reps made mistake and sent the money to XXXX, Texas. When I called them I told them their is your problem ... I do n't think there is a XXXX, Texas..there is a XXXX, New Mexico. They say they are looking for the check..when all you have to do is contact their bank and let them know what has happen. This has been going since XXXX. I wrote them and told them that you better hope nothing happens to my home and if I have to get an attorney that will be no problem, but I 'm tired of XXXX treating me like I 'm a fool ... they have been playing their silly game ever since they took my mortgage. When they took it over I said to them I have no contract with you people. The woman said to me I do n't need to send you any contract..this contract was from XXXX and XXXX took it over..I told her I have a contract with you so I do n't have to send a payment to you. She came down on me and said to me ... '' I 'll foreclose on you so quick it 's going to make your head spin! Yeah right when I have equity in home already ... so ever since then they have messed with me..over and over ... I told her to her face on the phone and I wo n't repeat what I said to her ... but do n't you ever threaten me ... I 'm an XXXX. I 'm tired of these people. They have escrowed city and state taxes from where I told them you have no right. I do n't pay any taxes if you would call the XXXX XXXX Tax Office ... they would tell you this. I 've sent letters to them from the XXXX XXXX Tax stating that I do n't pay taxes ...
I have recently been approved for Mortgage Assistance payments though a State program, and the lender, M & T Bank is a participant of this program. In XXXX XXXX, the Mortgage Assistance Program paid for XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX mortgage which caught up all that I had got behind in payments. The agreement made between the State Program and the Lender is to pay {$760.00} Mortgage Payments during the need of my assistance. I noticed that my XXXX XXXX and XXXX XXXX Mortgage Statement has XXXX Dollars ( {$70.00} ) Return Item/Other Fee ( XXXX ) listed where it was 'NOT LISTED ' BEFORE. This bank ( M & T ) is trying to sneak in fee XXXX s ) that is not warranted. I called M & T Bank on XXXX XXXX, XXXX regarding this charge of {$70.00} and was told it was a monthly inspection fee. There was no inspection ( s ) done - I have been unemployed since XXXX XXXX, XXXX and " NO ONE '' on behalf of M & T Bank came by to do a inspection. The next excuse was " someone could have rode by ''. Riding by is not an inspection to determine if the house is vacant or abandoned. This fee of {$70.00} " WAS '' added after the State Mortgage Assistance Program caught up my payments that I was behind.
Dear Sir, XXXX XXXX XXXX, 2016, we refinanced SLS loan # XXXX to XXXX. 
The escrow account had {$1900.00}, but SLS sent us a ESCROW PAID IN FULL CHECK # XXXX FOR {$450.00} - we have not cashed it! 
After several phone attempts, we finally spoke with SLS - XXXX on XXXX/XXXX/16. 
XXXX XXXX assured us that we would be receiving the difference within 2 weeks. It is now XXXX XXXX, 2016, well past the two week deadline and a couple days past the Georgia Law for damages for not satisfying the Escrow account properly. 

I expect XXXX checks from SLS : XXXX - will be for the {$1500.00} that is my monies. 
XXXX - will be a check for {$500.00}. for damages per Georgia Law I am sending this letter and supporting documents to the CFPB and to the Lien Release Department of XXXX , County, Georgia. 

Sir, these are the consequences of your past actions.
I just check my credit report and it was said to have a home loan, i have never receieved a loan in my life.
I sent a certified letter to Hunter Warfield on XX/XX/XXXX explaining to them that they were collecting a debt that was not owed and untrue. That after learning about the debt that was not owed and was brought on by an apartment complex that tried to take a retired military vet for his hard earn money, we are filing a civil suit against the company that they say a debt is owed. As of XX/XX/XXXX I have not received a responds from Hunter Warfield INC. So I dispute these claims with all 3 credit agency, and as of XX/XX/XXXX I received a respond saying dispute not specific, verified and updated. But I did not receive any proof on how Hunter Warfield claims I owe the debt. I have proof that this apartment complex and Hunter Warfield INC are trying to collect a debt that is not owed. We lived in this apartment for 18 months, 12 months lease ( attached ) and we did n't sign a new lease because I was due for orders. So we went on a month to month lease and my rent increased by XXXX. As you can see our rent was XXXX a month ( we were only late once in the 20 months we lived there ) on the move in date, I was told to do a check list o all the things that needed to be taking care of. I was told it would, our main concern was or carpet was no new, and have some wear and tear. They told us not to worry about that, new carpet would be put in, but it never was. We also paid a security deposit of XXXX. 
Fast forward to our move out date, we got a notice of how much we owed and if we want a inspection of the apartment before we moved out, we had to sign and return paper. We did but we never got a inspection, they told me when I returned the keys, everything was good, and I told them to keep the security deposit to cover the 9 days for the month of XX/XX/XXXX ( XXXX ) and to just sent the remained balance to my current address. And from that day XX/XX/XXXX I had no concerns or worried that I owed any money to them. Fast forward to 11 days after we move out, we get an estimate, no a bill but an estimate for new flooring and carpet ( attach ). When contacting them I explain that they never did a walk through, when I turned in my keys and was told everything was good. The manger told me she would get back to me and never did. So I assume it was cleared and moved on. But now I have this collection agency trying to collect on a debt that is not owed. I 've attached my finally bill from them stating was was refundale ( XXXX ) and our rent owed for XX/XX/XXXX-XX/XX/XXXX for XXXX. Also no utilties that where due as well. I 've also attached final statement copy of them charging me, late charges on a bill I never received ( XXXX ) and month to month Charge of XXXX, rent for XXXX when we were charged for 9 days and now they charging more, for a balance of XXXX. They are trying to charge us additional charges for new carpet, cleaning and painting. We did not get evicted, we did not abandon our apartment. We just simply moved out and believed all was taking care of. If we were to do the math, we own XXXX XXXX not XXXX that is falsely being report on my credit. I 've attach all paperwork to validate my claim.
This complaint is in response to an existing unresolved complaint XXXX This complaint letter is in response to Wells Fargo 's letter dated on XX/XX/XXXX for the claim above alleging additional information were requested in your letter dated on XX/XX/XXXX however no such request were provided in such letter. In addition, I called your department and spoke to XXXX, in which he refused to give me his last name, and refused to transfer the call to you and told me that a manager will call me but no one did and XXXX didnt mentioned to me that additional information was required from our part. My phone number was included in my letter and never received a call from you either. 
In addition, as you mentioned in your letter 90 days were given to merchant to respond to our claim therefore the burden is on them and is not our responsibility if they fail to respond thus we demand this charges in the amount of {$400.00} to be reverse into our account. 
Also, you mentioned in your letter that you were informed that we had done business with this vendor ; please provide proof for such claim. 
We have been a valued business customer since 1996 and we never have been in this situation being forced to spend time, resources and stress in order to handled 4 un-authorized withdrawals under your surveillance in one month. 
The bottom line is that we didnt receive any services from this merchant and merchant didt provide us with any services ; WellsFargo has failed to provided proof for such claim. 
Our last issue is that WellsFargo has failed to address the fact that the un-authorized withdrawal was done in a date prior to the date allow for withdrawal indicated in the merchant agreement therefore we ask for this charge be reversed into our account.
Been contacting credit bureau agencies since XX/XX/2017 with no positive results the bureaus are reporting invalid account information that does not belong to me and I have expressed this numerous times over the phone, fax and US Mail. Bureaus nor companies have been able to validate these debits or have not provided me with proof of why they will not remove them. The accounts that need to be removed immedatately are : XXXX, XXXX, XXXX XXXX, and XXXX XXXX
XXXX XXXX 2015 I was evicted from my apartment. All my personal belongings including identification we 're padlock inside and later thrown out. When checking my yearly free credit report there were fraudulent accounts in my name. When contacting the credit companies some did n't hesitate to close and remove the accounts from my credit. XXXX/XXXX XXXX agent could n't careless and used the number I called to harass me for payments. The other two accounts were with XXXX/XXXX and XXXX XXXX XXXX which has now sold the account to XXXX XXXX. XXXX and XXXX has removed the fraudulent accounts but XXXX  continues to report the fraud accounts even after multiple dispute submitted to XXXX.
The basis for my dispute is SANTANDER company was required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing ... that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I am unable to locate documentation you complied with this requirement.
KINGS CREDIT SERVICE Placed two Collection accounts on my credit file back on XX/XX/XXXX and XX/XX/XXXX for services that had nothing to do with me, but with my daughter. I did not sign any paperwork for her Doctor 's visit as she was taken to all of her appointments by her mom. The accounts were paid in full but they placed them on my credit file.
In XX/XX/XXXX, I became severely ill and had prescriptions that were not covered by my insurance, which resulted in me paying out of pocket. By XX/XX/XXXX I was out on XXXX   until XX/XX/XXXX. I returned to work part time and because full time in XX/XX/XXXX. I went back out again in XX/XX/XXXX for surgery, and returned back to work in XX/XX/XXXX. During that time my loan was transferred from XXXX XXXX XXXX during the process of my modification to XXXX XXXX. I then applied for a modification from XXXX and they advised me that they were reverting back to my original loan of 7% at $XXXX a month. My current loan is at 2% and the payment is $XXXX. They transferred my loan after two months to Kirkland Financial Group. I contacted Kirkland Financial for a modification and they denied me stating the payment they came up with is not affordable. They came up with a payment of $XXXX.  I then applied to the Hardest Hit Fund in NJ and was approved for the assistance to bring my loan current. Kirkland declined to participate and adviced me to reapply for a modification. This was the email and terms that were offered:  Based on the documents provided, it appears we can get something done.  As of XX/XX/XXXX, per the attached payoff, you owe $XXXX. You are currently over $XXXX past due in payments alone from XX/XX/XXXX to date. We can offer a 6 month trial modification beginning XX/XX/XXXX.  You will need to pay your own Home Owner’s insurance and Property Taxes. Payments will run XX/XX/XXXX thru XX/XX/XXXX at $XXXX monthly.  You will also need to make a $XXXX “good faith payment” which can be split into 2 payments - $XXXX due on XX/XX/XXXX (along with the 1st monthly payment of $XXXX) and $XXXX due on XX/XX/XXXX (along with the last monthly payment of $XXXX).  Assuming you comply with the terms of the trial period, your loan would be modified as follows: $XXXX Balance (currently owe $XXXX)5.00% Rate (currently at 2.00%)180 month term (currently 455)$XXXX P&I payment (currently $XXXX)$XXXX Total Payment Please let us know if you accept this offer. This is our best and final offerThis company is clearly not willing to assist me with saving my home. They raised my interest rate from 2% to 5% and shorted my term. What kind of mondification is this? They don’t even want me to pay any utilities to keep me warm.
XX/XX/12 XXXX XXXX # XXXX I had an account opened with a friend/significant other. He had opened the account in my name because he was unable to. We had separated and I gave him  ownership of the account. XXXX did not transfer over responsibility from me to him and allowed the account to go to collections. All the billing information and addresses on file were to the friend/significant other. I had to eventually pay for the collections amount and also received a negative collections indicator on my credit report. I tried disputing this with both XXXX and the credit bureau, but both were unhelpful at providing any information or a solution on how to resolve this issue. I have had this negative account on my credit file when I did not own the account.
I have disputed a chapter XXXX bankruptcy shown on all XXXX bureau reports XXXX times over the past XXXX years. They all say they confirmed and it will remain on my credit. I know they are lying and did not confirm, as i do NOT have a chapter XXXX. This has negatively affected my credit for the past XXXX years. Thus my complaint is against XXXX, transunion and XXXX for inaccurate and unfair reporting practices. 
I want them to remove this immediately. Some of my accounts that I paid off even are marked as " dismissed in chapter XXXX ''!!! Its betong infuriating, years of fighting this. Thank you
Credence Resource Management XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Alleged Balance Owed : {$52.00} Original Creditor : $ XXXX XXXX
I tried to cash several checks over several months in several locations and they were denied. The decision to cash or not cash the checks was based on a company called Certegy Check Services , Inc. XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. When I called the number ( s ) for  customer service, the response was that they could not tell me the reason for the denial other then that there is a program that determines the whether to deny or accept the cashing of the check and that they, the customer service rep., did n't have the information to share and if they did have the information to share, they would n't because someone might manipulate the system. If they can not, or will not, tell me why I 'm being denied, then they should at least tell me what I need to do to be allow to cash checks again. As it is, I wonder if I am being denied services for illegal reasons. They will not even cash my Federal tax return check. Is there a problem with the US government bouncing checks now?