WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX - First time I used XXXX XXXX, I wanted to check my credit score. Everything on my report looks great but I noticed by credit score was down from a year ago. Which I had no idea how? I have never missed any payment and I'm very financially sound. 

XXXX XXXX stated on my report that a company called XXXX XXXX XXXX had an outstanding balance for {$1000.00}. 

I have never heard of XXXX XXXX XXXX. No one notified me that i had any debt, but they are able to take a hit on my credit score? I  called this company and they stated they bought my debt from a security company called XXXX. We ended our contract with XXXX in XXXX. This one man shop is a total scam. Extremely rude.. How is this legal? 

I have no idea how it is fair or accurate to report this on my account 3 years later with zero notification and zero justification. We still have our letter from XXXX  canceling our account because we moved from that location and were not taking the services with us. We also filed a report on BBB for false practices. 

in XXXX we sent another letter to XXXX of cancelation as the new homeowner received threatening calls. 

This collection agency is based in Utah where XXXX  is based out of. 

There are thousand of bad reviews and false practices on this company. Several states have went into litigation with XXXX. 

I am filling a complaint on XXXX  and XXXX XXXX XXXX.
CFPB : REPORTING ONGOING TECHNICAL PROBLEMS WITH EXPERIAN CREDIT AGENCY 'S WEBSITE & AUTOMATED PHONE SYSTEM FOR AT LEAST THE PAST 3 DAYS WHILE ATTEMPTING TO LIFT A CREDIT FREEZE TO REFINANCE A CAR LOAN ( + PREVIOUSLY EXPERIENCED THE SAME ISSUES IN XX/XX/XXXX/XX/XX/2017 WHEN ATTEMPTING TO PLACE A FREEZE ON MY EXPERIAN CREDIT FILE ). TOOK MULTIPLE DAYS + UNSUCCESFUL WEB PORTAL + PHONE ATTEMPTS TO ACCOMPLISH THAT FREEZE STEP AS WELL.

THAT FREQUENT + UNEXPLAINED INACCESSABILITY TO THE CONSUMER IS UNACCEPTABLE.

CURRENTLY MANY CONSUMERS HAVE NO RELIABLE OR TIMELY WAY TO CONNECT TO LIVE PERSON BY PHONE / WEB PORTAL OR HQ FAX ( " no answer '' ) TO NOTIFY EXPERIAN OF A WEB GLITCH + NEED FOR LIVE CUSTOMER ASSISTANCE. THE WEBSITE PORTAL THEY HAVE TO FREEZE OR UNFREEZE YOUR CREDIT FILE GIVES BELATED + VAGUE ERROR MSGs THAT SAY " UNABLE TO VERIFY YOUR IDENTITY BASED ON THE INFORMATION GIVEN '', OR " UNABLE TO PROCESS THIS REQUEST AT THIS TIME, '' EVEN WHEN ALL PERSONAL SECURITY DATA ENTERED IS ACCURATE, VALID, FACTUAL, + CAREFULLY ENTERED.

ALSO THEIR " FILE UPLOAD '' WEB PORTAL TO ELECTRONICALLY SUBMIT PROOF OF ID DOCUMENTS IS ALSO NOT FUNCTIONING PROPERLY. IS GLITCHY + CURRENTLY REJECTS ALL DOCUMENT UPLOAD ATTEMPTS EVEN IF 1 PAGE + THE FILE COMPLIES WITH THE FORMAT REQUIREMENTS. SO AS A RESULT, IT IS CURRENTLY VERY DIFFICULT FOR A CONSUMTER TO EASILY + TIMELY VERIFY THEIR ID TO OBTAIN FURTHER ASSISTANCE.

ALSO THE EXPERIAN CONSUMER TOLL-FREE PHONE AUTOMATED SYSTEM IS FULL OR JUST NOT FUNCTIONING PROPERLY THE LAST 3 DAYS AT LEAST. 1 CALL IN 50+ ATTEMPTS MADE IT THRU ( AT ALMOST XXXX ET ). THAT'S UNACCEPTABLE. THE LIVE REP. I SPOKE WITH BRIEFLY TO HELP RESET MY FREEZE PIN TO LIFT MY CREDIT FREEZE AT ALMOST XXXX   DIRECTED ME TO UPLOAD PROOF OF ID ON THEIR WEB PORTAL, WHICH OF COURSE, REJECTED ANY ATTEMPTS TO UPLOAD THE REQUIRED FILES ( SEE ABOVE COMPLAINT ).

*THE EXPERIAN AUTOMATED CONSUMER PHONE LINE PROMPTS YOU TO FIRST ENTER YOUR SSN BEFORE BEING TRANSFERRED TO LIVE ATTENDANT, BUT IT CUTS YOU OFF/ DISCONNECTS/ REPEATEDLY SAYS " SORRY I DIDN'T GET THAT '' BEFORE YOU FINISH ENTERING ON THE PHONE KEYPAD OR SAYING YOUR 9-DIGIT SSN ( CLEARLY + PROPERLY ) + THEN IT HANGS UP ON YOU AFTER 3 TRIES. RIDICULOUS RUN AROUND + WASTE OF TIME + STRESSFUL INTERACTION ATTEMPTS WITH THIS AGENCY.

UNBELIEVABLE FRUSTRATION UNNECESSARILY CAUSED BY THESE ONGOING ACCESS ISSUES.

PLEASE INVESTIGATE THIS MATTER SINCE THE CONSUMER HAS NO WAY CURRENTLY TO EARLY REPORT THESE MAJOR ACCESS PROBLEMS OR TECHNICAL GLITCHES IN ANY REASONABLE WAY. I'M ASKING FOR YOUR HELP TO GET THIS MESSAGE THROUGH TO SOMEONE IN UPPER MANAGEMENT AT THIS POWERFUL CREDIT AGENCY WHO IS RESPONSIBLE FOR ACCOUNTABILITY TO THE CONSUMER. THEY NEED TO FIX THESE CONSUMER ACCESS OPTIONS ASAP!! TY.
XXXX XXXX XXXX held my eviction court appearance letter in order for them to win by default in XX/XX/2017. By doing so I had no knowledge of when to go to court which may have extended my time there allowing me time to get caught up.
On XX/XX/XXXX, I applied for auto financing from XXXX of XXXX XXXX. I received my approval and I do see the Hard Inquiry on my credit reports. Unfortunately, I received a second Hard Inquiry from XXXX XXXX XXXX Via XXXX of XXXX XXXX. This looks to be a duplicate Hard Inquiry made by the same company under another ( though similar ) business name. I do not know why or who issued it. This is a duplicate hard inquiry and damaging to my credit. I also received a third Hard Inquiry from BMW Financial Services. That is a total of three hard inquiries for a single auto loan from a single dealership. On XX/XX/XXXX, I received more Hard inquires from XXXX XXXX XXXX via XXXX XXXX XXXX on my XXXX  credit report. On XX/XX/XXXX, I received additional HARD inquiries from XXXX of XXXX XXXX. Again, I do not recognize XXXX XXXX XXXX via XXXX of XXXX XXXX. By mail, I have disputed duplicate and redundant hard inquires with all three credit bureaus.
I am working with Chase on an FHA short sale that has been delayed due to Chase not complying with HUD and FHA short sale rules. Chase is not providing the needed items to HUD for the approval to proceed with the short sale request. I have escalated this issue with Chase internally with no resolution and have also escalated this to HUD. 
Chase needs to comply with HUD 's " pre-foreclosure sale '' procedures - we have an active buyer who is going to terminate if we do n't have any results in the next week or XXXX. 
Please help!
Union Bank closed a business savings account without advanced notice or warning, subsequently issue a cashiers check ( without request for signature or confirmed receipt ). They indicated it was mailed on XXXX XXXX, 2016 and has not arrived. They can not confirm whether it was returned or delivered. They are holding our money hostage without any recourse. However, if we request a replacement check they have to wait up to 90 days for the replacement check. Meanwhile they are holding our money hostage. This is for a business and critical backup fund. While we are not a large company it is enough to make a difference.
I paid by bank wire transfer on XXXX/XXXX/XXXX to purchase a XXXX XXXX XXXX XXXX Custom guitar and received via United States Postal Service, a XXXX scale XXXX Melody Maker guitar instead. XXXX XXXX ( XXXX are sellers aka XXXX XXXX ) admitted the guitar sent was wrong & said he would correct the mistake but never did. I expected to received the guitar I contracted for ( XXXX XXXX XXXX XXXX Custom with original hard case ). I received a different and inferior guitar in quality and monetary value.
I wrote a letter to XXXX  and XXXX on XX/XX/XXXX about 11 negative accounts all with account # XXXX .... from XXXX XXXX for various amounts and 1 negative account from great lakes account # XXXX. I asked for verification and/or validation of the original instrument of indebtedness by way of contract or signed agreement. XXXX responded that they verified the debt with the company and I needed to contact XXXX XXXX for any paper work. I did just that. On XX/XX/XXXX I wrote a letter to XXXX XXXX and great lakes directly asking for the same information. As of this date XX/XX/XXXX I have not received any response of validation and/or verification. I sent another letter to both XXXX and XXXX on XX/XX/XXXX letting them both know that I had not received any response of validation or verification in the time frame specified by law under the FDCPA and the FCRA of 30 days, and that the debts should be removed from my credit report. As of this date I have not received a updated credit report and credit score.
for 4 years a collection agency has been calling me regarding a debt for a XXXX XXXX, who I assume had my phone number before I did. I have told them approx. 100 times over 4 yrs she does not have this phone number anymore. when I tell them this they say they will remove the number. then they call again the next day. the calls stopped for about a year now they are calling every day again, when I yell at them they get threatening and abusive. I called back the number and the name of the company is National Credit Adjusters, but you cant get a person unless you have an extension, which I never have. The number they call from is XXXX sometimes the last digit on their number is different and it is an auto dialer because until I say hello no one is one the line.
I was contacted as soon as I graduated in XXXX by a company that claimed they could provide a specialized service to lower my student loan payments. After explaining everything to me it seemed to make sense so I agreed to give them my information and pay {$2000.00} for their service. They instantly started the payment process and informed me I would pay {$98.00} a month from that point on. I later found out through my student loan provider that this is a free service I could have applied for myself in just a few minutes. I have paid {$600.00} of the {$2000.00} balance so far and stopped making any further payments. This particular company has been very difficult to contact to ask questions and has minimal online presence to check my account status + payments and things of that nature. Hence, why I feel they are fraudulent and should be recognized for their " services. ''
Merchantile Adjustment Bureau calls the residence of my Mother ( XXXX ) a couple times a day asking for XXXX XXXX XXXX. No one by that name has ever lived here nor had our phone number. I have called this office to request that they cease and desist harassing us with these repeated calls.
After a serious automobile accident in XX/XX/XXXX, I went to a dealership I had dealt with at least XXXX other times. I was not in a frame of mind to make a decision since I was suffering from a XXXX and had taken off walking XXXX miles due to my condition. the same salesman I had done business with in the past handled the account. He financed my vehicle through a bank VNB. not sure if it was in XXXX or XXXX, since I received harassing phone calls, telling me they had not received payments. Also, my vehicle and another XXXX have same VIN #. I was proud of my credit history until this bank ruined it.
My monthly student loan payment is directly debited from my account each month. ON XXXX XXXX, 2016, I submitted an ADDITIONAL payment with written instructions for that payment to be applied to a specific loan ( the loan with the smallest balance ). Despite following the instructions provided to me, and after following up with FOUR phone calls and an email, the payment still has not been applied as requested. This happens EVERY TIME I make an additional payment.
Received a call at XXXX XXXX on XXXX XXXX 2017 which woke me out of my sleep. Did n't recognize the number did n't answer. Caller ID had it as XXXX XXXX XXXX XXXX. Further investigation discovered that it was a spoof number for FAMS ( Financial Asset Management Systems ), a debt collector.
XXXX XXXX XXXX XXXX XXXX has engaged in the following against me and my wife. 

1. Consumer Fraud : Company stated they would repair credit by deleting derrogatories from credit file. The company charged me thousands of dollars which we paid. Our credit got worse not better.

2. Fraudulent Marketing : Company provided misleading statements related to credit repair and also provided false claims related to being able to not owe any money if not satisfied. Company lies to Veterans to get them to sign up for this fraudulent service.

3. Lying to CFPB : Paragon claims that they won in the Arizona Attorney General Office. The fact is paragon never won anything. I filed a complaint against paragon with the Arizona attorney general 's office for fraud and consumer scamming. I actually won against paragon and now they are lying to CFPB. Myself nor my wife owe this company a dime.

4. Deceptive and harassing communication : This company bullies consumers by sending threatening emails and phone calls. The paragon owner is a complete fraud who preys upon consumers who are trying to fix their credit. Instead Paragon doesn't fix credit, and lies, and charges consumers for services not rendered.
On XXXX XXXX, XXXX I mailed an unauthorized inquiry letter certified to this Credit Bureau upon checking the letter was delivered XXXX XXXX, XXXX here it is today XXXX XXXX well over 30 days. I have contacted Equifax in regards to this dispute because I have not received any documentation in reference to this dispute. And I know my rights as a consumer when it comes to the Bureaus not responding within 30 days. Upon talking to a Representative she was able to tell me that they had received the letter that was mailed out XXXX XXXX, XXXX and received by them XXXX XXXX, XXXX but was unable to tell me why I never received anything in regards to the dispute. And then proceeded to tell me she can mail me out a letter stating how to have these unauthorized inquiries removed well after the 30 days from when the Bureau received my letter, also proceeded to tell me I have to contact the companies when I have contacted them on numerous occasions and was told I have to dispute them thru the Credit Bureau and that was my purpose for sending off the dispute letter that was never taken into consideration by Equifax. I know my rights as a consumer and know that inquiries are only allowed to be placed on your report for 1. Firm offer of credit 2. Insurance 3. Employment and 4. Court order. The following inquiries listed on my report are related to none of the aforementioned permissible and would like them removed from my report. As follows 1. XXXX XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX/XXXX/XXXX 7. XXXX XXXX XXXX/XXXX/XXXX 8. XXXX XXXX Bank XXXX/XXXX/XXXX 9. XXXX XXXX XXXX XXXX/XXXX/XXXX 10. XXXX XXXX/XXXX/XXXX 11. XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 12. XXXX XXXX XXXX XXXX/XXXX/XXXX 13. XXXX XXXX/XXXX/XXXX
Debt collector " NCS , Inc., dba Noll Collection Service '' made misleading statements to me. First, they stated that medical debt is not discharged in a Chapter XXXX. This statement is false, and can be verified through legal research on your behalf. Second, I asked debt collector for a letter of the terms we discussed before payment. Debt collector tried to solicit, via email, a confession of judgment form. Debt collector tried to pass off a legal document as not legal process, which violates the FCDPA. Third, debt collector tried to increase the cost of the debt by collection on a fee for processing payments online. This attempt to collect debt beyond what was originally stated in the agreement creating the debt, and also violates the FCDPA.
Put offer in on XX/XX/XXXX that was accepted. Our mortgage lender XXXX XXXX started at XXXX XXXX and switched over to capital mortgage which is where our problems began. We have sent all of our documents twice and XXXX is not helping or responding to our phone calls or our emails. And does n't work past XXXX and definitely not on weekends our close date was supposed to be XX/XX/XXXX it is now XX/XX/XXXX and they are now saying 2 weeks after our first appraisal saying we need another just today. Talked with his boss who is not helping or not concerned about how XXXX has behaved. XXXX also sent me a text message with lips after I was getting upset so he does n't need to answer my questions.
XXXX XXXX XXXX XXXX is committing fraudulent acts in regards to reporting inaccurate information. I had a 3rd party company to dispute on my behalf, the validity of XXXX XXXX XXXX XXXX   claim over the student loan accounts on the week of XX/XX/XXXX. XXXX XXXX XXXX XXXX  responded by sending me a letter dated XX/XX/XXXX
The question is WHY is XXXX XXXX XXXX XXXX asking for more information from me to investigate, when they are supposed to allegedly have my information to report to the credit Bureaus on a monthly basis? The Credit Bureaus, myself, and XXXX XXXX XXXX XXXX  are aware that the accounts have been closed, transferred, and no longer in their possession since XX/XX/XXXX. How are XXXX, TransUnion, and XXXX accurately verifying this information presently when all parties mentioned knew the accounts have not been in their possession for almost 3yrs? XXXX XXXX XXXX XXXX has continuously reported the accounts closed and transferred since XX/XX/XXXX and was previously known as XXXX XXXX XXXX on my credit reports. But even that, the credit Bureaus are allowing this inaccurate information to stay on my credit report, continuously harming my economic wellness, in which is impacting my life.

Enclosed is a sample capture of 1 of many accounts, in regards to what is being reported on my TransUnion and XXXX credit reports. XXXX  is not releasing my credit report just yet. But I was able to confirm the accounts are on XXXX just as well.
XX/XX/XXXX i 'm started the aplication for Loan Modification program trough HARP, I made the trial payments to American Servicing Company, after that I make calls to asked the status of my aplication, not answers or no status provided at that time. 
I was follow the status for my aplication weeks to weeks, until XX/XX/XXXX one agent told me the aplication was aproved but no letter or correspondence was sending to me. 
I check the public records filed in XXXX County, FL for the records of the loan modification and I check the aplication agreement was aproved and signed on XX/XX/XXXX that 's XXXX months after the initial day on the lease paragraph XXXX. 
American Servicing Company never sent me a letter of explanation about this mistake, this error was critical for my family economy, because I have to pay sometimes twice of the mortgage payments in period less that XXXX month. 
I like to revised the proper documentacion for the Loan Modification and if the correct time and procedures was following in my case. 
It 's important the lender inform to the customers of the state of the modification, because at this time the bank force me to go to foreclosure and disaster economics times at my family.
GLOBAL RECOVERY GROUP XXXX XXXX XXXX XXXX XXXX use deceptive methods to collect a debt from me. They had an unidentified male contact me and claim to be law enforcement threatening to go to my home address and said I 'll be served and arrested if I did n't call in to XXXX XXXX to pay a {$750.00} credit card debt within 10 minutes on XXXX/XXXX/2016. 
They also threaten to seize, garnish, or sell property. I felt my family was in danger so I call and gave them my debit card number.
On XX/XX/2017, I opened a XXXX account and switched Company 's since then but I was given a negative credit alert with a total of {$940.00}. I had contacted them at the time, a couple times, I changed Company 's and made arrangement to pay off the remaining balance. I was uniformed about my account as to what was going on since then. I didn't receive a notice. I have since moved from XXXX to XXXX.
National Credit Adjusters purchased an account from XXXX XXXX in XXXX 2017. They are stating that I owe XXXX in outstanding principal and extremely high interest charges. 

XXXX XXXX was not licensed to conduct business in the State of Virginia and therefore the debt is invalid. 

( And actually over the years I had the line of credit with XXXX XXXX I more than paid back the principal and the maximum interest allowed in the State of Virginia, had they been licensed ). 

This account needs to be closed and marked paid in full.
Midwest Recovery Systems is attempting to collect on behalf of XXXX. This is a FRAUDULENT claim on my credit report. This is NOT my loan/charge. Midwest Recovery has not provided proof and continues to claim the information on my XXXX credit report is correct ; it is not.
The Capitol One mobile app processed 2 duplicate payments today on the due date ( in error ), and the company told by phone that the extra payments would be refunded in 5 days. I want my money refunded immediately.
In the course of XXXX days I have contacted Receivables Performance XXXX times in writing and requested proof of the debt to be sent to me. I have never heard back from them. By law if they can not provide proof of the debt within 30 days, they have to remove it from the credit report and stop all collection activities.
In XX/XX/XXXX I received a notice of identity thief. After contacting equifax about this matter, I paid for a report, dated XX/XX/XXXX. Equifax had a lot of information wrong on the report. I went through a rigorous amount of paper work, phone calls to try to get this all corrected. The fraud was a student loan that was not my signature. After contacting the collection place XXXX I had to do a police report and send in documents supporting. This took several attempts along with Equifax not having correct information too. I sent copies of my ss #, driver license, correct address etc all supporting documents to All three Credit Reporting Agencies, IRS, My attorney, so that it would be cleared up. 3 yrs is too long to have to keep taking time from my busy schedule to keep reaffirming my correct information. It was all cleared up in XX/XX/XXXX. The collection company sent a letter, as did the IRS. Now the issue is that Equifax still has Wrong information, that they were to remove but didn't. When a company is asking to verify who I am, and all of the questions are pulled from my credit report ... ... .the questions are wrong because I never lived at the incorrect address information, nor the student loan questions. I have tried to clear this up with Equifax and again to verify who I am, they want me to answer security questions that are not correct information. There has to be a more efficient answer for security questions, If they go by the questions off a credit report, then that credit reporting agency should have correct answers that only that person would know, like what is favorite nephew questions, ( information that I would only know ) not someone who has a copy of my file. My credit union was asking me to verify myself, and it was pulling the questions and answers from an inaccurate credit reporting agency. On XX/XX/XXXX I logged on to eqifax website to get a free credit report and after answering the security questions with the correct answer of NONE above, it denies me access. I call and they want me to verify with the same WRONG information. 
Help, I am so wore out over this merry go round with them. I had disputed information with Equifax all XX/XX/XXXX-XX/XX/XXXX. I shouldn't have to resend them my SS #, drivers license, etc. They have all that from last year. I can't dispute anything until I answer those question with wrong info and I don't want to do that.
M & T mortgage required me to send my Fire and Casualty claim check to be held in escrow for home repairs. My damages were XXXX XXXX and they hold my money even though i have been displaced. I am not going to have a place to live due to the amount of time it has taken to get started on my home repairs. They have my check for {$44000.00} and are in no hurry to help me.
XXXX XXXX XXXX is reporting, as of XX/XX/XXXX, that I was 180 days late on my mortgage payments. I dispute this notation and would like them to remove it. 
I was in a loan modification program with XXXX beginning in XXXX  of XX/XX/2010, and was out and in of loan modification for a period of 2 years. 

I sold the house and paid off my mortgage in XXXX of XX/XX/2017 

I would like this false reporting removed from my credit report. 

Sincerely, XXXX XXXX