WillisBack/dataset-financial-user-claim huggingface dataset:
They have people who have tried to act like they were someone else and not who they profess to be. People are very rude and not very ethical when they are talking to you
I recieved a undated notice from Midland Credit Management on or about XX/XX/XXXX stating that I have a current balance owed to Midland Credit Management in the amount of {$3400.00}. However this debt was settled in XXXX County Florida XXXX Circuit Court on XX/XX/XXXX for {$2500.00} with a payment stipulation/ obligation for me to pay {$50.00} on or before the XXXX of every month until the entire amount settled upon ( {$2500.00} ) was paid in full. I have never missed a payment. On my monthly Midland Credit Management statement, received XX/XX/XXXX, the balance owed is stated as {$320.00} with a {$50.00} payment due by XX/XX/XXXX, which I have since paid. Midland Credit Management is deliberately trying to deceive me into paying a different amount by listing inaccurate payments and balances with the hope I expect to deceive me in to paying the wrong amount and therefore negating the court settlement agreement which would put me in default of the settlement and allowing Midland Credit Management to charge me with the original debt balance to paid in full. I believe this notice from Midland Credit Management constitutes deceptive practices, false information and harassment. Please be kind enough to enter a complaint on my behalf. - XXXX XXXX
I have attached letters with this complaint. 

First of all - both Experian and XXXX failed to re-investigate the dispute as requested. They apparently said that they are " allowed by law not to re-investigate '' which is straight out a lie and very deceitful ... 

According to Section 1681 - they have to re-investigate the items that I've attached and remove them immediately. They have the burden of proof and need to provide me with everything that I need in terms of accuracy - which includes documentation bearing my wet ink signature :
In XX/XX/XXXX, I applied for and was approved for the Chase XXXX XXXX credit card. After receiving my card in the mail, I attempted to link the credit card with my existing Chase bank online account. I have been banking with Chase for 12 years so when I received multiple errors, I called Chase for support. They informed me that I would have to go in person to a branch to fix the problem. I went to the branch in XX/XX/XXXXand told them my situation. They said that the social security numbers on my accounts do not match and to fix that problem, they gave me a form to fill out at the branch. I filled out the form and the banker took it and told me that my accounts are now linked. From XX/XX/XXXX - XX/XX/XXXX, I received no notice that anything was missing or that Chase needed anything from me. In XX/XX/XXXX, I noticed all my bill pay was being rejected or returned. I personally called Chase on XX/XX/XXXX to see what was wrong with my accounts and they informed me over the phone that my accounts are now locked due to missing information regarding my social security number. The person on the phone informed me that I must fill out the necessary forms at the branch and have them scan it right away so that my account can be unlocked. I went to the Chase branch on XX/XX/XXXX. I waited ONE HOUR before any bank teller could help me. I told him my situation and he gave me another form to fill out. I completed the form and was told that it would take 3-5 days before my account can be unlocked. I waited until the 5th day and on XX/XX/XXXX, I called Chase again. They informed me that there was still a form missing and that the banker did not give me the correct forms to fill out, as a result, my accounts will all be closed and there was nothing I could do about it. I told the lady on the phone that I really needed my money so that I could pay bills because it was the beginning of the month. She informed me that if I called back in the morning, I could ask to have my check overnighted to me so that I would not have to suffer late fees as a result of their errors. I called back the next morning and was informed that the check was already in the possession of UPS and there was nothing they could do.
I cash a check in PLS and 10 days later they said the check was false so when i cashed they charge me XXXX dolars i return the whole amount off the check but they took my XXXX dollars. The check was from a scam company i want to know how i can get my XXXX back from PLS
My mortgage servicing company "  XXXX  XXXX  XXXX  " has rejected my formal request to remove my $ 280 monthly PMI and I belive they rejected it without following their own guidelines and also contrary to what several of their customer service reps told me over the phone.   I emailed them on   XXXX   XXXX   with a formal request and also attached a bank appraisal showing that i am well within the equity limits to remove PMI. I was told over the phone someone will call me to schedule their own bank appraisal which I would have to pay for, and that following the appraisal they will determine if they will remove the PMI. Instead, and after several phone calls, I was told the request was rejected, even though they had NOT done the appraisal yet and even though they had my bank appraisal showing the house was worth over {$200000.00} above the loan amount. I have made any number of calls and even my lender has tried to follow up as a courtesy on my behalf but there is NO telephone number to call the mortgage insurance dept and they have not been in touch with me to discuss any details.   My lender told me the servicing companies often reject PMI removal requests intentionally and that they wait to see which customer is tenacious enough to follow up becasue so many customers just give up after the first rejection.   I believe my account has been handled very badly and I am especially frustrated over how hard it is to reach anyone in a decision making position at loancare.   My email to them is below, and I 've since only been sent a letter advising me of the rejection. This, despite repeated phone calls that I want to speak with a  XXXX  who can trouble shoot what was either a misunderstanding, or a glitch, or an oversight, or possibly deliberate action in order to avoid removing my PMI.    Thank you, MR ============== Dear  xxxxxxx, Thank you for contacting us!     We have received your inquiry and are assigning it to the proper department representative. Please note duplicate inquirie s may pr olong your time for resolution. To help identify your inquiry we have generated a reference/ticket number. Your reference/ticket number is  XXXX . Please use this number in any further communication relating to your recently submitted email request. Please allow  XXXX  business days for a thor  ough review and research of your inquiry.
====== Your Inquiry ====== Greetings, This is my formal request to have my PMI removed fro  m loan number xxxxxxxxxx please.     Property address :  XXXX   XXXX   XXXX , Washington,  XXXX ,  XXXX   XXXX  Please see attached a bank appraisal showing my home is currently worth {$600000.00}.   The loan 's current principle balance is approx {$380000.00}.     I 'd like to have your appraisal done as soon as possible please. Can you advise on timing and cost of appraisal, or any other costs/procedures I need to be aware of?     Many thanks!
I have had a vehicle financed by Credit Acceptance out of MI since XX/XX/XXXX year. Prior to signing the agreement I was informed they would install a device that disables the vehicle and avoids and repossessions. However, they have repossessed the vehicle 3x without every using the device. The have generated additional fees, created a higher payment amount and all this along with the increase stress and difficulty of getting to work, doctor, church, etc. 

They raised my monthly balance due ( from {$410.00} to {$460.00} ) and changed my due date ( from XX/XX/XXXX tof XX/XX/XXXX ). When I spoke to them last week and said I would be one week late, the said there's nothing they could do cause the account is 70 days late. IT IS NOT. I've been making timely payments. They increased my monthly amount due in order to avoid such a thing. 

Needless to say, that 5 days after I called them, they repossessed the vehicle for a 3rd time. This is unheard off and complete scam. The lied about the purpose of the device ( it's only used for tracking ), they lied about the increased amount which brought the account up to date. ( Mind you, the only reason I'm in this situation is because they continue to repossess the vehicle for only being 1 week late )
THIS IS MY SECOND TIME SENDING A DISPUTE REGARDING THIS ISSUE. Incorrect and inaccurate information is being furnished on my credit report, the balance for XXXX XXXX is incorrect. attached is proof that balance is incorrect.
I receive on average 3 phone calls a day. I have repeatedly asked them to stop calling, and even to communicate via email. They 've insisted that they can not communicate via email and that they will continue to call. From XXXX XXXX I recieved 63 phone calls.
I paid the bill ( I have a transacted check to prove this ) and they are still sending me letters. despite my sending them a copy of the check in question. they are assessing fees on the and interest on the bogus charges.
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against NATIONAL CREDIT ADJUST. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
On XXXX, received yet another notice as well as many telephone calls over the past months, Portfolio continues to harass me via phone and mail and refuse to cease and desist. I am now going to file legal action against them as well as join a Class Action suit against them. 

Since XX/XX/XXXX to present, I have asked them when they call to stop calling and also returning their notices to them demanding they cease and desist. 

XXXX -Called the XXXX number and spoke with XXXX at Portfolio stating that I am receiving notices and harassing phone calls from them and I want it to stop. XXXX stated it would stop.
See Experian Complaint # XXXX / Filed XXXX/XXXX/XXXX. Experian responded on Friday, XXXX XXXX, XXXX claiming that the " address I supplied does NOT match any previous address on file. However, the CFPB is not letting me make a follow-up reponse ( AS ALLOWED ) on Monday, XXXX XXXX, XXXX. Thus, I am having to file a new complaint in order to dispute Experian 's XXXX XXXX, XXXX response to my " original '' file date of XXXX XXXX. XXXX, as follows : There is no federal statute under the Fair Credit Reporting Act that requires me to provide " proof of address. '' This may be a Experian " policy '' requirement but it is NOT a " statute '' requirement under the Fair Credit Reporting Act. The ONLY " statute '' requirement is " proof of identity '' and not " proof of address. '' I refer you to the Fair Credit Reporting Act under Section 611 [ Procedure in Case of Disputed Accuracy ], which follows Section 610 ( a ) ( XXXX ) [ Proper Identification ], which states that " a consumer reporting agency shall require as a condition of making the disclosers required under Section 609 that the consumer furnish proper identification. '' Verification of " identity '' is provided under Section 609 ( e ) ( 2 ), which says that " before a business entity [ Experian ] provides any information ... as proof of positive identification ... the presentation of a government issued identification card. '' I provided Experian a copy of a government identification, specifically, my passport and I provided my current mailing address in my " original '' credit report dispute. Importantly, Experian is claiming that my address does not match the address on file. I can not help it if their computers do not have my current address on file, especially since I have not had any activity ( applied for credit, etc. ) within the last 7 1/2 years. They have my current address because I have since received their XXXX XXXX, XXXX letter requesting " proof of address '' at the SAME written address that I provided in my " original '' credit report dispute. See attachment filed with this response. 
Further, I provided a XXXX ( XXXX ) page detail that was highly specific with account information that overwhelmingly gave Experian a " high degree of confidence. '' Not only did I list the " original '' creditor name and ALL account numbers but I also listed ALL the collection agencies ( assigned collection to the " original '' account ) names and their account numbers for the XXXX ( XXXX ) accounts that I was disputing. All these account numbers agree exactly to my credit report. 
Again, " proof of identity '' is the only requirement to process my credit report dispute. Experian is merely forcing me to provide " proof of address '' for their benefit. 
As a result, Experian has failed to complete their investigation within the 30-days, as required by the Fair Credit Reporting Act under Section 611 ( a ) ( 5 ). I request that Experian be fined the minimum penalty and I request that you contact Experian and mandate compliance with my credit repair request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, FL XXXX XXXXXXXXXXXX
I had written a complaint before ( Case number : XXXX ) that was submitted to XXXX XXXX XXXX. I spoke to a CFPB representative who said that my case was referred to the Federal Trade Commission. I am now writing this new complaint because it is now clear to me that JP Morgan Chase is/was the servicer of this auto lease, and they are the party with whom I had been negotiating. In XXXX XXXX, I moved from XXXX to XXXX and brought with me a XXXX vehicle which I had leased. Unbeknownst to me, in XXXX XXXX, unless a lessee files an affidavit claiming they are not using the leased vehicle for income-producing purposes, vehicle owners are subject to Property Taxes. As it was approaching the end of the least term, I surrendered this vehicle in XXXX XXXX as part of a trade-in for a new leased vehicle. Then, on XXXX XXXX, XXXX ( 15 months later! ), I received a letter on XXXX XXXX XXXX XXXX letterhead ( but JP Morgan Chase is the actual lessor ) that I owed them {$620.00} in property taxes to reimburse them for the taxes they paid to XXXX XXXX. I immediately called XXXX XXXX who said there was nothing they could do. I called the phone number found on the Property Tax Notice from Chase and have negotiated with XXXX different Chase personnel to get them to waive the property tax that they are seeking. Chase claims that they sent me a letter which contained the aforementioned affidavit back in XXXX XXXX when I initially moved here and notified them of my change in address. Honestly, I do n't recall ever receiving this correspondence. Further, given the consequence of having to pay a hefty property tax bill if the affidavit was n't returned, I would have expected Chase to reach out to me a XXXX time to remind me that this form needed to be signed, notarized and returned, but that never happened. We had from XXXX XXXX until XXXX XXXX to file this affidavit, a full 10 months, to avert having to pay this tax. I was completely unaware of this obligation in XXXX. I have never missed or been late on any consumer debt payments in over 30 years. And despite talking to supervisors all the way up the chain at Chase, I do n't know where we are on this property tax issue. My last XXXX phone calls to a direct manager in Chase 's Executive office have gone unreturned. I am also a Chase credit card holder. At the very least, as a customer of the bank, and with 10 months to get the affidavit filed, I would have expected Chase to send a reminder about this particular requirement in XXXX. It was very difficult moving from XXXX part of the country to another, getting children settled in their new surroundings and new schools. I honestly never saw this correspondence that Chase allegedly sent me, and they have expressed no interest in working with me. The supervisor, in whose hands my case rests, and who is located in XXXX, does not return phone calls either. I am extremely frustrated and disappointed at their lack of empathy and willingness to bring this to a fair conclusion.
I have received a debt collector letter stating I owe a debt. I have never owned a credit card nor do I know this bank. I do think they have the wrong person on the account.
I was part of the XXXX credit information hack. I find it unacceptable that I have to pay to freeze my credit when I did not consent to my financial information being stored by XXXX, XXXX, or XXXX in the first place. Credit freezes and unfreezes should be made free. 

Thank you for taking the time to read my complaint.
I just filed CFPB Complaint # XXXX, which, thank you, had been promptly forwarded to Citi Cards. On XX/XX/2017 I received a phone call/ voice mail message from XXXX , Citi Cards Executive Branch, XXXX, saying she would be investigating, and if I wanted to provide additional comment/questions. Well, although I appreciated the call, I did n't think it would be necessary to call her back, until this morning XX/XX/2017. 
When I received email notification of a new e-communication regarding the billing dispute. the e-communication when I opened the link to what is a closed account as of XX/XX/2017 was dated XX/XX/2017 and starts making reference to " credit slip '' which that was the first I heard about that. So out of curiosity, since something felt very odd about this new communication, clearly done in response to the CFPB complaint, I re-opened Citi 's XX/XX/2017 e-communication, and it 's a completely gone, and instead has been replaced with completely new language, with the original XX/XX/2017 date, and conveniently referencing " credit slip ''. Absolutely incredulous. 
I do n't know how this can be independently reviewed by Citi, since the four days of filing the complaint, they 've just been scurrying around creating documentation, instead of handling the original dispute of XX/XX/2017. Citi 's doing exactly what the vendor in the original dispute did, creating materials fraudulently to support their agenda.
I called XXXX XXXX Credit Bureau because I had problem with their dispute online site. They told me they had corrected the area several weeks ago. 
I tried again today and it was n't fixed. I could not use the online site. I called customer relations. They transferred me to specialied consumer service offline. They transferred me to online customer service. 
They gave me an error code # XXXX and transferred me back to the offline customer service to do identity verification and merge my accounts because O was told I had multiple accounts. 
I asked how could I have multiples they could not answer that. 
They suggest I dispute live on the telephone and I got disconnected or maybe the rep. hungup the telephone I do n't know. 
I have duplicate accounts reporting information that 's not correct. 
I have accounts 7 years old that they wo n't remove, saying they are n't negative. I said the law say have removed. 
The issues is with XXXX and XXXX Credit Bureaus. All three reporting account information of same account in multiples. They are reporting incorrect balances. Reporting over the time for reporting.
I have and installment with XXXX XXXX in XXXX XXXX Ok. I am still due for a partial late fee of XXXX. I have received 2-3 calls everyday over a partial late fee. They attempted to call my Job and were told that I could not receive personal calls at work. Since then, someone has called my job twice since being told I can not have personal calls, and then hung up. We do have caller Id at work. I received several harassing phone call and messages saying the will continue to call my job, with being well aware I can not receive calls at work. I spoke with XXXX she stated I was 2 months past due, I told her I am not, I am due for a payment as of today XX/XX/2018 and part of the late fee from may. She insisted on arguing with me say that she will continue to call everyday. I did express to her if I continue to receive the harassing phone calls I will send my cease and desist and will report her to the Cfpb, she responded in go ahead. XXXX was very rude and had a nasty attitude once I told her my name. with this office through mail, I will continue to pay on my account until paid in full. did express to XXXX I will drop my payment in the night drop on the XXXX. I also have a loan with their sister company XXXX XXXX XXXX, which is through the same home office and I have never had these problems with XXXX XXXX XXXX, which is right next door to XXXX XXXX. XXXX XXXX   XXXX are friendly and considerate and a great office to be in business with. XXXX XXXX, the staff is rude and they harass you.
There is a fraudulent account reporting closed on my XXXX file. It seems to be a credit card from Nordstrom/TD Bank. I have never applied for this account. I have filed an Identity Theft Affidavit and disputed it 3 times with XXXX. The account still remains showing on my credit report. I am tired of disputing it. Please help me get this removed. It shows account closed. There seems to be no charges on it. Please help.
On  XXXX   XXXX ,  2017 , I sent a validation letter t o Franklin Collection Service,   Incorporated in  XXXX , Mississippi in regards to a negative inquiry that was placed on my credit report. The purpose of the validation letter was to validate the debt and provide proof to me that I am indeed the rightful owner of the debtI have no idea of who the company is and what services that could have been provided to me from this company. Withi n ten days, I received a print out of an itemized bill from Franklin lncorporated Service , Inc in t he amount {$35.00}. As of today, they have not provided me with documentation or any evidence of a relationship between the company or myself. Also, they did not provide me with any instrument bearing my signature. Next, I sent another validation letter informing them of their rights to validate the debt or remove it from my credit profile. Nevertheless, they have not responded and it is way past 45 days.
This was a bill generated after they couldn't collect thru my health insurance ; I've asked for more details on this invoice and never got it, also they never provided and specific date or treatment done and cost billed to insurance, as my insurance was valid and covering any treatments at the time. 
Also if it was a deductible, they never specified it in the bill.
Our mortgage is current. We make our monthly payments every month, on time or early every single month. NationStar continues to keep not applying our payments despite taking our money every month. Every time that we call them we are transferred and transferred and they keep telling us that theyre working on it, but there is no resolution. We are getting serious default letters when we are making our monthly payments every month. We are at risk of foreclosure come XXXX XXXX, even though Nationstar has been accepting our full monthly payment every month.