WillisBack/dataset-financial-user-claim huggingface dataset:
I had come across some information on my credit report that did NOT belong to me. I disputed said alleged debt first with the credit bureaus. Their response was that the alleged debts were verified I had responded to the bureaus, and The Thomas Agency via certified mail, disputing the debt. I had asked for VALIDATION of such debts. I did NOT receive a response, yet they continued to violate FCRA & FDCPA laws by continuing to furnish such allegations. Attached are copies of the correspondence that I had with them. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed in letters are not deleted. In addition XXXX has failed to follow the law, and has ignored validation requests as well as following protocols as outlined In the FCRA/FDCPA.
I have been battling with this bureau for the last year to get some inaccurate items corrected on my credit report. I have   XXXX   XXXX   XXXX   XXXX   accounts showing on my credit report that shouldn ' t even be there but nonetheless I 've initiated over  XXXX  separate disputes and most recently I simply gave up because this credit bureau wrecks my score when they updated  XXXX  or more of these accounts and reflected it as a Paid  " medical data '' a ccount with the main derogatories reporting as recent as  XXXX  even though supposedly it 's been paid since  XXXX    XXXX  . This has caused a significant drop in m y credit score a nd is preventing me from moving forward on a home loan for my family. I 've attached the document with markers to describe timeline. I feel as if this credit reporting agency allowed for this to happen so they could collect money for creditor reporting and ignored my wishes to remove account. Feels like retaliation and I only wanted the credit bureau to remove the account based on several inaccurate reporting factors and because I never got a full explanation of procedures used to verify the reports. This has caused significant undue stress on my marriage and family because the lender says because of the update from this agency the score dropped and we might lose our house. Please if consumer financial protection can help I would be very grateful. I 'm hoping that the facts can be seen and my rights under the FCRA will be honored.     Thank you,  XXXX
On XX/XX/18 I received a call from YCCS at the number XXXX. When I returned the call they demanded highly sensitive personal information but would not tell me who they represented or why they were calling. When I finally got them to admit to what they were and what service it was, they transferred me to another employee who, again, would not tell me the purpose or details of why they were calling. 

They demanded, without notifying me as to why : Full legal name Full address Any previous addresses Telephone number Partial Social Security Number and various other demands just to explain as to why they were calling so that I could even say if the phone number they called me on was the person they were looking for. 

They gave, even under repeated questioning as to the purpose of their call, zero answers or indication as to why they were calling. 

They also never sent me any written validation statement as to me owing any debt, as again I believe this call is a mistaken identity and in error, and only continued to demand I reveal my full legal identity and many other personal information points to a level of harassment that would constitute a scammer trying to swipe my identity.
This company is reporting an account that I have no knowledge of ; Not only that- Its passed SOL in the state of TX . This company is damaging my credit and I 've never received any kind of notice prior to this acct reporting to the credit bureaus.
On XXXX XXXX, my Bluebird American Express account was subjected to XXXX unauthorized transactions totaling {$1200.00}. The charges took place at XXXX XXXX XXXX, North Carolina -- a state I have NEVER been to. I live and was in XXXX XXXX at this time. The physical card was in my possession and I have never supplied my card number to another person. Therefore I believe I was the victim of card skimming. 

I noticed the charges that afternoon ( XXXX XXXX ) and immediately notified Account Protection Services. My existing card was cancelled and a replacement was issued to me. I called back on XXXX XXXX once the XXXX charges had cleared in order to file and begin the dispute process. I followed proper protocol as outlined by American Express and supplied all information that was requested for the investigation. On XXXX XXXX, I received an email notification that my dispute had been declined along with another email that my account had been permanently closed ( blocking my access to over {$1500.00} in funds ). I filed a police report the same day, faxed a copy to Account Protection Services, and called to request that the dispute be re-opened. I was told the investigation was complete, case was closed, could not and would not be re-opened. A supervisor, XXXX, suggested that I contact XXXX directly to dispute the transactions and request reimbursement. On a subsequent call XXXX XXXX, I spoke with XXXX again and demanded details of the investigation, which I 'm entitled to as a cardholder. I was told affirmatively that no information would or could be provided to me and the decision was final, and the call was terminated by XXXX. On my last call to American Express XXXX XXXX, a customer service rep said that I could a letter in writing to their XXXX to request details of the investigation and request my dispute be re-opened. I sent this letter via certified mail on XXXX XXXX, along with a copy of my police report, declaration of fraud form, call records and photo evidence of my location in XXXX XXXX on XXXX XXXX. As of XXXX XXXX, no response has been received. This is a blatant disregard of my rights as a cardholder, as outlined in Regulation E of the Electronic Fund Transfer Act.
I have been receiving credit card offers for my XXXX year old daughter. I called Capital One and asked them to please stop sending the applications several times. they continue to send the applications to my daugther.
We refinacned on XXXX XXXX, XXXX and paid off our mortgage with Seterus, Inc. We received an escrow statement dated XX/XX/XXXX stating that they owe us {$2000.00} for an escrow overage. As of today ( XXXX/XXXX/XXXX ) we have not received it. I have called numerous times ( XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ). Everytime I call I get some one else and they state to wait anouth 7 to 10 business days. Seterus has obviously held entirely too much escrow and now will not return it. By law they should have returned it by XXXX/XXXX/XXXX. It is now XXXX/XXXX/XXXX! Seterus, Inc. is a shady company. They are not honest. I beleive they lie to the consumer about returning funds. And they are obviously holding too much escrow for the motgages they hold. I have attached the final escrow account statement dated XXXX/XXXX/XXXX with my notes.
I recently conducted a review of my credit report, and I noticed that your agency showed AMERICAN EXPRESS ( AMEX ) credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by AMERICAN EXPRESS ( AMEX ) on XX/XX/2018. I have not informed or recalled of any association with these company. I have contacted AMEX, and requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
Dear CFPB, I checked on my XXXX credit report and account breakdown on XXXX and it shows I have 6 hard inquiries, 3 of them that come from the same product ( car lease ). 2 of them are from GM Financial ( made with 3 days of difference ) and the 3rd one comes from XXXX XXXX XXXX the dealer from which I leased my current car ). 

I'm kindly asking for them to reconsider these hard inquiries since 2 of them were done on the same day ( XX/XX/XXXX ) and then on the XXXX they made another one. In the end I got my car lease approved, but I think it should only take 1 hard inquiry for that, not 3. Therefore, I consider it unfair to have 2 additional inquiries on something I actually ended up getting approved.
Due to unexpected health issues and being hospitalized, I was under financial restraints and distracted by physical recovery that most of my finances and credit accounts suffered. I have been in communication with the companies where accounts were affected and I am on XXXX XXXX to getting my accounts back into good standings. I had a phone conversation with someone from Citi and made a payment to bring my account back below the allowed credit limit. I also made a verbal commitment to pay $ 100 monthly until the account was at a {$0.00} balance. I was told the payment I made and the verbal commitment were enough to keep the account open and active. A week later I received a letter from a collection agency for the remaining balance owed from my Citi credit card account. Frustrated I contacted Citi once again and was mistreated by the collections department. I feel as though I was misinformed during both interactions with the company. I feel as though I made efforts to inform them of why my account got backed up. I also made a payment out of good faith and verbal confirmation that the account would remain open and active. I even mentioned to the collections department, that if the original representative was honest with me and told me the amount I paid and verbal commitment were n't enough to keep the account open. Then I would have been able to make different arrangements to settle the balance without Citi canceling my account and selling it off to a third party collections agency.
I sent several letters via the the Unites States Postal Service to Transunion demanding appropriate documentation or removal of several inquiries to my credit report that I do not recall authorizing. It has been over 60 days since the letters were sent and I have recieved no correspondance, no proof of authorization and the disputed inquiries have remained on my credit report.
I have a checking account with Citibank. As I was going through my automatic payments online yesterday on XX/XX/XXXX, I noticed a monthly charge of {$25.00} service fee. I than checked the past account details going back to XX/XX/XXXX ( I did not check older dates ) and noticed that I was penalized by {$25.00} in every month of XXXX for not having sufficient funds. As I called their customer service, I was told that if the balance goes below XXXX, I would be charged {$25.00} as service fee. My argument is, when I use my citibank card outside XXXX, I would receive an alert from Citibank to confirm about that particular payment, however, when my balance goes below XXXX, I would be charged {$25.00} without any notice via text or phone call. I already talked to the branch manager earlier, and downgraded my agreement. The manager agreed on paying me back for only past three months. I have always trusted Citibank until now, yet unfortunately due to this dishonest policy I am extremely disappointed. The Citibank took advantage of my unawareness. They should discontinue such dishonest policy to take advantage of customers or at least they should inform the clients via phone call or text message promptly before they penalize them. 

ps : After talking to the branch manager today XX/XX/XXXX, I tried downloading the transactions beyond XX/XX/XXXX but it did n't allow me to view older transactions. Therefore, I am only able to attach transactions until XX/XX/XXXX
I have a XXXX card ( XXXX XXXX XXXX XXXX ) with two lines of credit, one for in store use and the other for use wherever XXXX XXXX cards are accepted. I missed a {$5.00} payment on the card which was due XX/XX/18 for a product I ordered online at XXXX on XX/XX/18. Once I received the XX/XX/18 bill in the amount of {$7.00}, which had a {$2.00} fee included, I paid the bill on XX/XX/18 instead of on the due date of XX/XX/18. Now in XX/XX/2018, although I had no purchases on the card since the {$5.00} purchase incurred on XX/XX/18, I received another bill for a {$2.00} fee. I called XXXX and they waived the fee and the associate told me that it was interest accruing up to the date I made the payment. I do not understand how it is interest and the amount was not noted under interest, but noted under fees. Also, if I get a bill that note {$7.00} must be paid by a due date and the {$7.00} was paid by that due date, I would not expect to receive a bill in the next month for interest accrued up until the day the payment was made, unless it is stated clearly on the statement that actual amount due is greater based on interest accrued daily and to call XXXX for actual payoff amount. Otherwise, the fees will be repeated ( never ending ) each month due to daily accruing interest. I also could not figure out how they arrived at the amount for balance subject to interest. I think the statement ending XX/XX/18 was misleading and the practice of charging fees after a balance was paid on time and in full is deceptive.
I have been called 3 times a day 7 days a week for 2 months from Global Resolution Group , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, New York XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXXXXXXXXXX Now they are contacting my landlord after I have told them to send and only speak to me by mail. 

My landlord sent this text messages .. verbatim ... ... 

Good morning. While I am uncertain how my phone number was listed, Global Resolutions phoned me yesterday and need you to call XXXX to resolve some situation. 
I acknowledged I would inform you. 


this is humiliating and wrong to tell my landlord that i need to call and call to resolve an issue. that alone is breaching my privacy. Where did they get her number to begin with sounds more like skip tracing which I thought was illegal now. 
please have them dnc her number and stop this mental and emotional abusive tactics
It shows in my credit report that I owe XXXX XXXX {$25000.00} that I NEVER applied for it and Never received, although I have never received any info or requests from them all of the sudden very suspiciously it shows I owed them that amount from XX/XX/2016. I spoke to someone in customer service that had no idea what she was doing, completely clueless said the TEAM '' will get in touch with me of course they have NOT. I have sent them many emails they do not answer, finally they send me an email that says LOG IN to my account, which I DONT KNOW what they are talking about since I do not have accounts with them, and send them my name birth date phone number which I did and still they have not answer. This co is a SCAM do not answer back, do not show the documentation or disbursement of funds and they are ruining my credit.
On XX/XX/XXXX, a heating and air conditioning company named XXXX XXXX XXXX XXXX located in XXXX, TX, refunded {$70.00} to my credit card at my request. I did not receive an invoice or any communication from XXXX XXXX regarding an amount due. On XX/XX/XXXX, eleven days later, I received collection notice for {$70.00} from Transworld Systems , Inc. 
On Monday, XX/XX/XXXX, I spoke with the accounting department of XXXX XXXX. The person I spoke with, XXXX, indicated to me that the bill was in error and erroneously stated that XXXX XXXX handles collections in-house. When I asked for a written statement showing that our account had a XXXX balance, XXXX offered to send me an email. 

I requested that I also receive a written statement that no debt is owed from Transworld Systems, since they are a separate company based in Pennsylvania. At first, XXXX claimed again that XXXX XXXX collects debt in-house, but then stated that Transworld was indeed a separate company and that contacting them would be my responsibility. I requested that XXXX XXXX reach out to Transworld and request a {$0.00} invoice for me since they were in error. I also requested to speak with a manager at that time. 

As of close of business Wednesday. XX/XX/XXXX, I have not heard from anyone or received anything from XXXX XXXX or Transworld Systems.
I started to receive live calls from people identifying themselves as CBE Collections. The stated my first and second surname and I confirmed that was part of my name ; however, I only go by my middle name and first surname. They asked if I lived at a specific address and if I ever had a XXXX account. I confirmed that neither applied to me and they had the wrong person. On a second call, I stated the same, directed them not to call and how it is that they obtained my landline given my number is not published. They said they would not call again. Now I am receiving robocalls instead, stating it is CBE Collections and that I need to call them back. 

As stated, they are attempting to collect a debt from someone who happens to have a name that it part of my name. I have been honest with them and directly instructed them not to call me again. 

The following number appeared on my called ID with a live caller XXXX and the robocalls are coming from XXXX.
After I log into the Capital One corporate website ( https://www.capitalone.com ), a screen appears that says:"Your account needs attentionFederal law requires us to add your business Employer Identification Number (EIN)Please call us at XXXX-XXXX-XXXXReference offer ID XXXX"HOWEVER, the phone number provided ( XXXX-XXXX-XXXX ) is listed by XXXX Search as being a FRAUDULANT NUMBER, asking all kinds of questions about whether the card is active or not, etc.I first received an e-mail a couple of months ago, checked the phone number out, and DID NOT provide any information.NOW, TWO (2) months later, this same FRAUDULENT NUMBER Appears ON CAPITAL ONE's OFFICIAL WEBSITE AFTER I log into the website using my credentials that have been set up for me on the site – for a long time….After being on hold for over an hour Friday, XXXX XXXX, 2018, I  was finally transferred to a “Fraud Department Supervisor” who did not provide her name in a legible manner. She continuously said that the “Offer Number” was valid and that the phone number was valid, so I was wrong about the fraud. Of course the Phone Number was valid. That has never been in dispute. What is in dispute is who answers the phone and what they do with the information once they get it.I no longer have ANY faith or confidence in the Capital One Fraud Department and desire the CFPB Office to take appropriate action before an unknown number of Capital One Business accounts get scammed and their businesses get ruined.
I have disputed the issue with the company. However, I have not received any correspondence. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Prestige '' XXXX via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
I filed bankruptcy last XX/XX/XXXX and I was called in XX/XX/XXXX from a blocked phone number the lady kept calling back to back she wouldn't say what was the company name nor her name at all. Today my brother called me after he has told them numerous times to stop calling him and they finally left a phone number to call back on which is XXXX. The company 's name is XXXX that has been harassing my brother. I advised them to call my attorney and I will reach out to the CFPB to see what can I do to start a lawsuit or see if they have been violating federal law by calling from blocked phone numbers, harassing people, leaving voiemails on others phones and not calling me ( my phone number hasn't changed ), and not checking the federal bankruptcy courts to validate that I had filed for Chapter XXXX protection.
Recently attempted to purchase a car and got news of the state of my credit report. There has been a credit card and several banking/financial setbacks on my credit. The only items attributed to me are : student loans, XXXX phone cancellation charge, and late payment to XXXX.
The below acct has been settled long time ago with XXXX. 
Portfolio Recovery has been harassing me again for this debt. 

XX/XX/XXXX Authorization to XXXX XXXX XXXX, XXXX XXXX, NY, Completed Details - {$250.00} USD Merchant : XXXX XXXX XXXX, XXXX XXXX XXXX NY, Purchase Date : XX/XX/XXXX Authorized Amount : - {$250.00} USD Authorization Date : XX/XX/XXXX Time : XXXX PDT Status : Completed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Portfolio contact : XXXX XXXX Some company called XXXX sold this already settled Debt ... .all proofs attached. 
There is also another case XXXX with CFPB ... .keeps on sending notices ... 
This has been paid by XXXX debit ... ..snapshot available ....
In XX/XX/XXXX I contacted XXXX about student loan forgiveness or Debt Consolidation. As I was beginning the process they placed my loan in deferment. In XX/XX/XXXX the Debt Consolidation was concluded and my new servicer is XXXX. On XX/XX/XXXX XXXX reported to the credit agencies that my loans where over 120 days late on payment as of XX/XX/XXXX. I contacted XXXX and they said that since my loans where no longer with them they could not help. This caused a sever drop in my credit score which has caused me to be denied for my home loan.
My car is financed through a company in California called CPS. I have had my car for a year and a half and they are not reporting it on my credit at all. I told them they can come get it since they will not report to credit like they said they would and they told me that if I did n't pay it than it will go against my credit. So I pay my payments every month on this car but if I do not pay them than they will put it on my credit. This is not right what this company is doing. Something needs to be done about this. I only got this car to build my credit score up and now it is not even being reported to the credit bureau.
I had been applying for loan online and had been getting call backs from them so when I got a phone call saying that I been approved that all they need to was verify my information so I gave them what they asked my for my online banking and the last XXXX of my SS they told me that frist they had to send money to make sure that my bank account was open and the next day I would have to send it back to them through XXXX so I did as they told me to do and they told me after I did the XXXX that within 45 mins I would have my loan well I wait to the next morning to see if I had got the money when I log on to make account it told me to call my bank and my bank to me that they we closeing my account because it looked like the money the loan people sent me for me to send it back was not there and they were closeing my account and I could no longer ever have banking with them again. The loan company they said they were was XXXX XXXX. When I told my bank this is what happen to me they said sorry but we cant help you. I had my account with chase bank
I am a 100 % service connected XXXX veteran. All of my medical bills are paid by the XXXX. I told Commonwealth Financial and they didn't care. I was hit by a car, hit and run on my bike. There were other bills and they all got paid from the XXXX.
Stonegate Mortgage massively over charged me for escrow payments XX/XX/XXXX. Their website and telephone rep claims they issued a refund to me for {$1000.00} on XX/XX/XXXX. Today is XX/XX/XXXX. Not only have I FAILED to receive a refund, but Stonegate Mortgage has also FAILED TO PLACE THE NEW ESCROW ANALYSIS ON ITS WEBSITE. The one available now is dated XX/XX/XXXX LAST YEAR!