WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX in North Carolina submitted my account to a collection agency Interstate Credit Collections before sending me a final bill after I requested services be discontinued due to moving out of state. My next bill would have been due on XX/XX/2016. The collection notice arrived with a date of XX/XX/2016. A XXXX representative verified that they did have my forwarding address, but that it is their policy to turn accounts over to the collection agency within 72 hours of the date due. The date of my bill from collection agency is the same date the bill would have been due, not 72 hours. XXXX did not mail a final bill to me prior to submitting it to collections. This would appear to be an illegal practice. I have paid the bill in full, but XXXX indicates that it is not their responsibility to remove it from collections. I notified Interstate Credit Collections today that the bill has been paid in full to XXXX directly. They have assured me that this will not affect my credit. However I have no reason to believe this. XXXX XXXX should not be able to submit consumers to collection before providing them a final bill. I hope that something can be done to curtail this practice as I am sure it has a negative impact on consumers ' credit! 
I will now have to chase this with the credit bureaus to ensure that it has n't affected my credit. Both businesses have assured me that it wo n't. However the collection agency could not verify that I 've paid XXXX XXXX because they say XXXX needs to submit it as paid to them. XXXX tells me they ca n't remove the account from the collection agency even though it is paid in full. So where does this leave the consumer? 
I hope you can help me confirm this is n't on our credit as we are purchasing a home!
We received a letter from Macys regarding a purchase on our credit card that neither one of us made. Good news is Macy 's declined the purchase so account was not charged. Instructions indicated to call Macy 's which I did and spoke to XXXX who could not or would not provide details about the purchase other than the attempt was made on XX/XX/XXXX but could not be completed. I asked if our account was hacked and the response was yes. I asked if there was an announcement about the hacking and response was no. Thought all hacks had to be reported. Account was closed at my request.
I have contacted Equifax on multiple occasions asking them to remove duplicate information that 's reported on my credit report. They are reporting negative information from XXXX XXXX and XXXX XXXX, XXXX. The information they are reporting is the same account. Thus, my credit score is lower since XXXX of the same items are being reported on my credit report. I tried to resolve it with Equifax and they continue to report duplicate information.
I have 10 different line items but with the same type of department which is reporting to the credit bureau. Because of the 10 different line items it is affecting me to the degree it greatly impacts my credit score and prohibits me from being able to obtain an apartment. I have asked the credit bureaus and the creditor to remove the duplicate line items from my credit report which to no avail. So I am filing this complaint in an attempt to have the 5 line items removed from my credit report. Items in dispute are the XXXX XXXX XXXX/XXXX - XX/XX/XXXX - XX/XX/XXXX. And the XXXX XXXX XXXX XXXX/XXXX/XXXX XX/XX/XXXX - XX/XX/XXXX. Both departments are reporting 5 line times but are of the same account. Both department accounts are closed. XXXX XXXX XXXX/XXXX has sold the account to the XXXX XXXX XXXX XXXX/XXXX/XXXX.
Experian has refused to provide a copy of my free annual credit report to me, despite the fact that I requested it once or more since the beginning of this year. Recently, on XXXX XXXX XXXX, Experian provided a credit score ( of XXXX ) for me to a potential lender for a mortgage loan, XXXX XXXX XXXX XXXX. Experians credit score was  significantly lower than that provided by another credit bureau to the same lender with a better reputation than Experian has. Given Experians refusal to provide me with my free annual copy of its credit report, and its multi-year, known record of carrying false information in my credit file for over a decade, I ask the CFPB to force Experian to provide me with a copy of my credit report immediately. Furthermore, on XXXX XXXX XXXX, Experian provided a FICO score for me of XXXX to XXXX XXXX, one of my credit cards. Why is Experian allowed to engage in such unfair, deceptive, misleading and abusive practices? Why is it allowed to divulge to my credit card company one score while providing a secretive, significantly deflated score to a potential mortgage lender? I can not protect myself against such gross abuse. I froze my credit report at another credit reporting company years ago. It is the same agency that provided the best credit score to XXXX XXXX recently. Although I repeatedly asked Experian in writing to freeze my report, it refused to do that as well. Its failure to freeze my report upon request violates my rights under fair credit reporting laws. It makes it easier for Experian to traffick in my personal information for profit and allows inaccurate information to get into my Experin credit report more easily than if my report were frozen. I fully expect that inaccurate information in my Experian credit report is suppressing my credit score with it, but have been denied the right to review Experians credit report on me. Since I am seeking a mortgage loan, I need to get a copy of my Experian report immediately, without Experians usual delays and evasions in providing it. Please force Experian to release its report on me to me immediately so that I can correct the false information it probably has in my file. Please also force it to freeze my credit report, since this is the best protection I have against its unjustified, habitual injuries, and additional expenses and work it causes me. I am disadvantaged greatly by the secretive and illegal actions of Experian. I may face less favorable terms on a loan as a result of Experians violations of my rights under fair credit reporting laws, including my right to be able to see and correct false information it probably has, and repeatedly has had, in my credit report. Finally, please do not allow Experian to provide one score to a mortgage lender that is significantly less than what it provides to my credit card company.
OnXX/XX/XXXX My Older Brother was looking to purchase a new vehicle ( XXXX XXXX XXXX XXXX ) from XXXX XXXX XXXX and He decided to finance the vehicle. It was n't even 24 hours and He noticed the navigation of the vehicle was n't working and the right front bumper of the vehicle was already falling apart. So, He decided to return the vehicle the very next day because of this Issue And as of today XX/XX/XXXX I 'm still seeing XXXX XXXX XXXX on my Credit Report from Both XXXX and XXXX I Co joint with my brother to Finance the vehicle. I 'm seeing XXXX XXXX XXXX on my Credit Report and the Finance Companies that XXXX XXXX XXXX applied for me. XXXX XXXX is on of the Hard inquiries on my Credit Report. He did n't have the vehicle for more then 24 hours and It 's still on my credit report today XX/XX/XXXX. I hope this issue gets fixed. If you have any questions please do not hestiate to call me ( XXXX ) XXXX
On my three credit file I noticed that I have numerous credit inquiries I would like these to be removed Im have a hard time trying to get approval for a suitable apartment I am unable to disputes these inquiries with the companys
On XX/XX/2018 I went to Chase bank to cash a check for {$14000.00}. Which was written by a chase customer. They told me they could not cash the check because the company had a check cashing limit and chase did as well. I was told that If I opened a checking account that I could have {$4500.00} that day and then the remaining balance would be released on wed the XXXX. After I opened the account the banker then told me that I could not have any funds that day that they would release the full amount on the XXXX. I was sent a debit card by XXXX  on the XXXX in which when I tried to activate the card they said the card was closed. I called Chase customer service and was transferred to the fraudulent service department and was told that my account had been closed for reasons they could not tell me. The lady told me that I could go to any branch and call the fraudulent service department let them know what branch I was at and they would contact that branch and release the funds to me. The following day I went in to the branch where I deposited the check spoke to the same lady that opened my account and she then told me that I could not have the money until the XXXX and I could pick up the funds at the bank that the check had to clear.I then called the party whom the check was written from and asked if they could void the check and write me a new one and they could not because they said the check had already been cashed.. I then called the fraudulent department to find out what was going on and they said that my account was being closed and that it took 10 days to close the account and that the funds would be released to me on the XXXX I then spoke to his supervisor who could not help me and asked to speak to her supervisor who then said he would try to contact the branch and request the funds to be released. He then said that they denied to release the funds and that a cashiers check would be overnighted to me and I should receive the check by the XXXX. This is unacceptable. They have stole my money and will not give it back. This has caused me so many problems is going to ruin my credit which I have been working on building for over a year and caused me hardship at home. Please help
Carrington Mortgage has reported that I was late both one month and two months on a Mortgage XXXX XXXX. The home was sold during the month of XXXX XXXX before the end of the month. We closed on the house XXXX XXXX, and the loan was paid off before the XXXX of the month. Carrington Mortgage knew that the loan was closing and provided the closing amount. We were asked not to pay on the loan in XXXX because the documents had been created for closing. I have attempted two times to have them remove this error from my report and they have refused. It was last reported late XXXX XXXX, XXXX.
N.A.R claims I owe {$1000.00} to XXXX XXXX. This account was paid off at one point, I do not have the exact date account was paid off, however, fraudulent charges were made on it thereafter. I was unable to resolve charges with XXXX XXXX I was paying on the account via auto-pay for several months despite the fraud activity, XXXX XXXX chose to close account and discontinued my auto-pay, sent account to a third party collection agency by the name of XXXX XXXX. I believe they sold account to N.A.R realizing the fraud activity and failure to collect on it. Please advise N.A.R I refuse to pay for charges I did not authorize, this consists of the entire balance which I already paid part of, despite fraud.
I submitted a previous complaint though CFPB for the following reason : Equifax failed to respond to my request for debt validation on an alleged account reported to them by XXXX XXXX ( Not XXXX XXXX ) within 30 days as required by the FCRA. I submitted this request to Equifax on XX/XX/XXXX and did not receive the information required to validate the alleged debt from Equifax by XX/XX/XXXX as required by the FCRA. 

Equifax responded with : 1.a fraudulent statement through the XXXX website claiming to validated the debt. ( I filed a complaint against the alleged creditor ( XXXX XXXX ) and they were not able to produce the documents necessary to validate the alleged debt per FCRA and fair debt collection act, therefore, it is impossible for Equifax to have validated the debt. ) 2. They completely ignored the fact that they did not complete their initial investigation within 30 days as required by the fair credit reporting act. ( see first paragraph above for dates and details )
upon checking my credit report on XX/XX/2018, I found that I had an open collections account for an unpaid debt for a XXXX XXXX Credit card. I decided to give the Collection agency provided a call in order to settle the debt. My talk with the customer service rep was pretty simple. I had agreed to pay a lesser amount of the debt owed in order to get the derogatory remark removed from my account. The debt owed was {$400.00}, we agreed on the amount of {$260.00} I believe. After paying the amount agreed upon, I received a letter in the mail confirming that the account was paid off, but I did not receive documentation that the derogatory accounts would be removed from my credit report. I gave Portfolio recovery a call inquiring about the letter and asking if the debt would be deleted. I was informed that, that would be an issue that I would have to take up with the reporting credit bureaus and that it was out of their hands. I decided to send letters to all three bureaus and also Portfolio recovery. Portfolio recovery replied via mail explaining that they could not do anything to help the situation. I have yet to receive a reply from the three bureaus.
Due to a clerical error made by Chase, apparently according to a banker over the phone, there is a safe deposit box in my name, but with an address that was never mine ( according to the banker ). Rather than flagging a potential clerical or serious identity theft issue, the incompetent banker refused to correct the situation - perhaps to cover up someone's incompetence or misconduct at Chase. This is a serious issue if my safe deposit box in Texas has an address not ever affiliated with me. I am fearful for my physical safety now, along with identity theft, because of Chase 's misconduct here.
The purpose of this letter is to come to a resolution regarding account number -- -- -- --. Since the beginning of XX/XX/XXXX, we have been making regular payments to either Greentree or Ditech. Throughout this time up until Ditech stopped taking our payments in XXXX of this year our payments were on average two weeks early. We never missed a mortgage payment. In that time, we have had multiple mortgage modification changes, 41 phone calls ( between XX/XX/XXXX and XX/XX/XXXX ). Each phone call included my attorney on the phone call which was necessary to navigate the muddy waters of customer service, accountability problems and as legal counsel. This was expensive in and of itself but my time away from work was even more costly. During the YEARS we struggled to correct Ditechs mistakes, our lives were disrupted and our time and money squandered. We were embarrassed by multiple foreclosure notices including a sheriffs foreclosure notice delivery at my place of business ( in front of my patients and employees ). We also are the victims of incorrect credit reporting, and burdensome attorneys fees. In the end everything turned out to be Ditechs clerical mistakes and GROSS accountability problems. Ditech utilized entry level employees with no responsibility, accountability or authority. I was unable to contact or speak with the decision makers whose names were blatantly missing on all documents issued by Ditech. In all our phone calls we never spoke with an accountable person able to correct mistakes or clearly and confidently explain matters. This struggle lagged on and on. It is our opinion and position that mistakes need corrected. Our demand is simple. We are demanding that all late fees be removed, our personal credit amended, our attorney fees are paid, our account is credited the {$4000.00} minimum that your company owes from escrow surplus, a return of unapplied funds, and a solid commitment letter stating that we will never be the victims of exceedingly high and unfounded escrow fees again. I have calculated my time on said phone calls and I believe I am due reimbursement for my time out of the office. As I am a XXXX  my hourly fee is {$350.00} per hour and I easily was on the phone for 40+ hours ( not including emails, documents etc. ). If our demands are met, we are more than willing to pay the arrears and continue paying our current monthly calculated payment which should be {$2100.00} See Exhibit 13
On XXXX XXXX 2015, I sent a letter to Wells Fargo Dealer Services asking to validate a debt it claims I owe. This debt has been paid in full through my Co-applicants XXXX XXXX Chapter XXXX. Although they are reporting that account # 's XXXX and XXXX to the credit reporting agencies as accurate collections account. I also filed a complaint with the XXXX regarding this matter case # XXXX. A research remediation representative name XXXX XXXX XXXX verified the account ending in XXXX was in deed accurate. XXXX/XXXX/2015 I spoke with a few customer reps at Wells Fargo Dealer servicesXXXX ID # XXXX, XXXX ID # XXXX and XXXX XXXX who all confirmed that the account numbers that I had giving them were not valid accounts. XXXX XXXX was very rude per our conversation this morning. Also stating that she could not provide me with any information because i refuse to confirm my SSN for her. I have corresponded with my Co-applicant on this issue and she provided documents to support our claim that this debt was in deed payed in full through her chapter XXXX. Wells Fargo has continued to report inaccurate information which violates FTC resulting in damages in my financial records.
The company Receivables Performance Management or RPM showed up on my credit report without ever trying to contact me from the start about a debt I owed to XXXX XXXX XXXX. Once I saw this reported on my credit I contacted them to see if the debt could be settled and I told them I needed it removed from my credit report once it was settled. I was told it would be and also was sent letters showing it was paid off. However when I tried to call back the supervisor told me he wouldn't remove the reports from my credit even though I paid the settlement not even a month after it appeared on my credit once I knew it was in a collections status. He claimed it couldn't be done and that they had to report the " correct information '' After I was already told it could be done by XXXX and XXXX XXXX XXXX both!! He even hung up the phone on me and told me he wasn't going to do it!

I read several complaints where this complaints online about how this company didn't even try to contact customers who owed debts and it just showed up on their reports. This is exactly what happened to me. And before I chose to pay I made them promise to take it off my report and send me confirmation that it was paid right away. I am in the middle of a mortgage for a new home and these people really messed up my score!!!

And the supervisor hung up on me when I told him both XXXX and the Lender said that RPM can do this!
My identity was fraudulently used to get XXXX XXXX XXXX XXXX cable service by someone from another town. I called the creditor and I they investigated. They could not proof it was me since I live in XXXX, CA. It went away and now they put collections for {$180.00} on my credit report. I have had XXXX XXXX for the last 4 years or so.
My credit score went down from XXXX to XXXX. In a day. When I contacted XXXX  for an explanation they could not give me one. They said that nothing had changed on my report to warrant the big drop. I spoke with a supervisor as well. He also could not advise me on what happen or why. He saw no reason however he stated that they could not fix it. That they are not the ones who handle credit scores. I also submitted a dispute for something on my report that had already been deleted off other credit bureau reports back in XX/XX/2017. I asked for papers with my signature on them as per the FCRA. Those were never supplied to me. Per the FCRA if they can not supply me with the info I requested within the 30 day time from then the things that I disputed have to be removed by law. They did not follow the law as required. This is XXXX, XXXX and transunion. 
They are not following the laws they are supposed to be. They do not understand that not doing their job correctly affects peoples lives in a terrible manner. Some people like me I can not even get a place to live now.
In XXXX I was granted the loan modification, which included a modification incentive program, the mortgage carrier will credit the principal {$1000.00}. a year for five years, requiring the payment not to be late more than 30 days or it will be cancelled. XXXX XXXX XXXX credited my account on XX/XX/XXXX and on XX/XX/XXXX my loan was transferred to XXXX XXXX, which credited my principal on XX/XX/XXXX complying with the original contract. On XX/XX/XXXX the loan got transferred to Ditech Financial LLC, which did not credit the mortgage principal for the years XX/XX/XXXXand XXXX. Since my payment was deducted monthly from my checking account I did not realize it was not credited. I started looking to refinance and as I went through the payment history I noticed it. I called several times, they promise an answer. I spoke with a manager at Ditech Financial LLC named XXXX at extension XXXX. She sent me an email that said the issue was resolved and it was cancelled because I was late. We looked at the history together and she agreed that my payments were never late, she promise to look in to it. I mentioned that I was going through a refinance and she made clear that they would credit the {$2000.00} and if I refinance before the account was credited that I would receive a check for the {$2000.00} I was owed by XX/XX/XXXX. It is now XX/XX/XXXX, I have made multiple phone calls and left multiple voicemails and have not heard back, gotten an answer, or received the refund of {$2000.00}. This loan is no longer with Ditech Financial LLC. I will attach a copy of my payment history.
Wanted details of what 's owed and if I 'm being correctly charged, I 've called numerous times to try to get this information with no success ...