WillisBack/dataset-financial-user-claim huggingface dataset:
I have a bunch of hard hits on my credit that I have no clue How they got there or gave permission
In XX/XX/2017 I accepted a buyout with XXXX. XXXX had a 3 way phone call with me the same day- recieved all payments and closed both my XXXX accounts. I called XXXX  in XX/XX/XXXX and XX/XX/XXXX spoke with both a male and female who verified both months there were no further charges. XXXX  had reopened 1 account without my knowledge or notification. No bills were sent- no calls from XXXX. First agency removed themselves and appropriately corrected info- XXXX turned around and attempted to now triple bill with another collection agency. All calls have been recorded, need to be accessed and XXXX needs to not only fix thier mistake, but honor thier original calls.
On XXXX XXXX 2017, I went to lease a car to XXXX XXXX XXXX XXXX VA. They checked my credit report on XXXX  credit bureau. According to XXXX, I have no credit profile.

On the other hand, I have three credit cards of XXXX XXXX, XXXX  and Best Buy. Three of these companies have my credit profile and I have a good credit score near more or less than 700. I talked to XXXX XXXX and they told me that they report my credit profile to all three credit bureaus including XXXX and XXXX. XXXX XXXX customer service agent told me that they are legally confined to send my information to all three bureaus.

Then I talked to XXXX and they told me that they have my credit profile as XXXX XXXX, best buy and XXXX is reporting them my profile on monthly basis. Contrary to this, XXXX told me that they do not have my credit profile and any of these three companies including XXXX XXXX, best buy and XXXX is not reporting to them my credit profile and I have to talk to my bank XXXX XXXX  about that. When I talked my bank, they said that they are reporting to them and thay can not help me further in this matter.
In my credit reports it has me as having multiple identities. My Name is XXXX XXXX but also comes up as XXXX XXXX.
I requested Flagstar bank to send a billpay check to XXXX XXXX Rentals for {$750.00} and it was never received or cashed by XXXX XXXX Rentals. Their negligence caused me to lose a vacation rental, and the only way to get my money back was to file a stop payment on the check that was never received by XXXX XXXX Rentals. They charged me a {$36.00} fee for the stop payment to correct their error.
I was called today by a person claiming to be from this bank! There is no reason for notbwriting to me! I consider this telephone call an annoyance at best and harassment at worst!
Capital one Bank /XXXX XXXX , XXXX XXXX XXXX XXXX , are trying to collect a credit card debt of XXXX in civil court XX/XX/XXXX in XXXX , TN. I have XXXX XXXX XXXX and on XXXX. I started XXXX XX/XX/XXXX. I closed this account XX/XX/XXXX at that time after making a payment the csr informed me that late charges and fees would still be added to the account of approx. {$1400.00} which is now XXXX. I tried to get a home equity loan and was told Capitalone Bank do not do home equity in TN. After getting a letter from the above law firm ( that talk to you as if we still live in slavery time ), I tried to get a auto loan from Capital one XX/XX/XXXX and was turned down because the csr said they do not refinance vehicle. My medical condition I can not do alot of walking especially in hot humid weather if I make it to the courtroom XX/XX/XXXX I may not be able to speak loudly.if I don't pass out. XX/XX/XXXX I am schedule to have a consultation on getting a reverse mortgage to pay this debt and others with the equity in my home.CFPB # XXXX. Thank you, XXXX XXXX XXXX
I went to apply at an apartment complex 1.5 months ago and they made a mistake and stated this debt XXXX from another apartment complex ( which I never owed anyway ) was still on my credit as unpaid ... later I looked at the credit report copy she gave me about 3 weeks later and it stated it was discharged in the bankruptcy and my father already paid this debt. And NCC lied and stated it was not included in the BK and I know they were notified last XXXX 2015 that it was, I wrote them 15x and the manager said he would refund my fathers card and he never did. I have proof of all documentation and even the credit report ....
I recently applied for and was approved for a Citi Premier credit card in the middle of XXXX. The sign up bonus for the card was an additional XXXX thank you points for spending {$4000.00} in the first 90 days of opening the account. In the first month, I put over {$4000.00} of spending on the card. Its now been an additional billing cycle since then and the bonus points have not been added to my account. I contacted Citi and their representative said they would look into the issue and get back to me. That was over a week ago and I have not heard back from Citi or received the points.
Navient has been overcharging me for years now. They refused to assist me in lowering my student loan payments and I had to default on my loans while in XXXX and XXXX XXXX After my father passed away ( he was paying my loans ), I was unable to make payments and they refused to help.
Refinanced my home in XX/XX/XXXX with XXXX XXXX XXXX, the amount was $ XXXX.Term was for 480 months, interest rate 1.780 ARM..Countywide then XXXX owned the loan and in XX/XX/XXXX was sold/transferred to Select Portfolio Servicing..Monthly payment year 1 was {$760.00} PI. and increased yearly to {$1300.00} by the 5th year taxes and insurance were paid by me.Payments were suppose to increase to {$2100.00} in XX/XX/XXXX so I applied through XXXX for a restructure of the balance now {$290000.00}!!!!!! XXXX proposal was {$2200.00} PI with no mention of term or interest rate..I decline as this was not going to make my financial situation any better.At that time my payments were $ XXXX.XX/XX/XXXX when the proposal was made.The account was now with SPS and the monthly payment increased to {$1300.00} in XX/XX/XXXX PIT and I continue to pay the insurance.In XX/XX/XXXX the balance was {$280000.00} the payment was {$1300.00} a month and I still paid the insurance.I retired in XX/XX/XXXX and was even worse off financially, so again I applied for Restructured Solution through XXXX XX/XX/XXXX..SPS did not respond and in XX/XX/XXXX , I called and was told that the request was never received and as it was over 90 days since the application was made a new application must be submitted and I was encouraged to use SPS own program.The forms were mailed to me completed and faxed back with requested documents..I made numerous phone calls to SPS was only able to speak with assigned Relationship Manager once and when asked for a reason for the delay, I was told that the documents were with the underwriters.XX/XX/XXXX SPS made an offer of a '' 3month trial period '' $ XXXX.I could not afford this payment and did not sign the agreement.I borrowed money from my credit card to make sure I did not miss any payment. XX/XX/XXXX, I applied for assistance with principal reduction through the Keep Your Home California Program.necessary documents were submitted and in XX/XX/XXXX {$54000.00} was paid to SPS .and was told that i qualify for further principal reduction.The documents were completed and faxed .SPS repeatedly XXXX the same documents by mail and by phone..The statement XX/XX/XXXX had no amount to be paid written down, I called SPS and was told that no payment was due.XX/XX/XXXX statement was the same, I called and was told no payment due ... XX/XX/XXXX Statement was for {$1100.00} I called and stated that I was unable to pay that amount, and was told to pay whatever I can. {$700.00} was mailed. On XXXX XXXX, I received an offer from SPS '' 3 months trial period '' payment {$1000.00}. I can not afford this payment, it appears my hardship letter was not taken into consideration and i will not sign the offer.I got a letter dated XX/XX/XXXX stating my account was in default, ,it so happened that I have never missed a payment in the 30 years that i have lived in my home, I So it is time to get CFPB involved something smells FISHY.
XXXX   XXXX    {$32000.00} is a work comp bill that is in dispute. Insurance company paid all claims then asked for reimbursement when found out we were in litigation. Claim filed with the state since this is not listed as policy in our health insurance agreement  XXXX   XXXX   XXXX   should be held responsible until if or when we are compensated from our legal litigation and then the insurance company would be paid back.
I have tried a number of times to resolve this issue with the creditor XXXX to no avail. They are reporting 6 late payments on each one of my 3 loans out of their office from the months of XXXX XXXX - XXXX XXXX causing me to have 18 late payments reporting on my credit report despite any proof that I was in the repayment phase of my loan. According to official records obtained from the XXXX XXXX XXXX XXXX XXXX there is nothing to show that I was in the repayment phase for the period of time reporting late. On the contrary, the NSLDS documents show that I entered repayment XXXX XXXX and forbearance the very next month XXXX XXXX, XXXX where my account status remained until XXXX XXXX, XXXX when my account went into repayment status again. This information is verified and supported by my account activity pulled from XXXX 's website ( which i have attached to this complaint ). Under Fair Credit Reporting Act Section 623 XXXX has a responsibility to furnish accurate information, investigate claims of inaccuracies, and update information determined to be inaccurate. I have included an excerpt of the section of the FCRA that has been violated by the inaccuracies being reported by XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the ad- dress specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the  information is, in fact, inaccurate. the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
( 2 ) Duty to correct and update information. A person who ( A ) regularly and in the ordinary course of business furnishes infor- mation to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determi- nation and provide to the agency any corrections to that infor- mation, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
This company is reaging on old debt and making false and illegal statements on my credit report. 

1. Inserted false age as last day of usage on credit report 2. Reporting late payments on current credit report for an account last used any activity in XXXX 3. Has reported late payments for entire year of XXXX on an account that last payment was in XXXX 4. Reported false payments made on account 5. This company never provided legal proof off usage off the account for the the years of XXXX or XXXX ( but is reporting usage ) 6. They state that they will report until XXXX XXXX, and account was due to stop reporting XXXX XXXX 7. Reporting this false info on XXXX accounts ( original Leander and buyer )
I have setup payment arrangements with a couple of my collection accounts. I have noticed on my credit report that it does n't show I make any payments. I make the payment on time and it still shows XXXX payments.
After multiple disputes, XXXX/XXXX has continued to report invalidated account information to the three credit bureaus without proper validation per the FDCPA and the FCRA. There has been no proof of a signed contract with my signature on it or any documents stating that I agreed to pay XXXX/XXXX
On XX/XX/XXXX I received a letter in the mail from Credit Control , LLC and the letter stated I have an balance due of {$1000.00} from XXXX XXXX XXXX. I contacted the company and asked what type of debt is this and the representative stated this was an XXXX XXXX account and I explained that I do n't have an account with XXXX XXXX but the representative insisted on telling me yes I do have an account and they ca n't sue me because the age of the debt but they can arrest me if its not paid within 30 days from the date of the letter. He could n't tell me when and where it was open but all he kept saying was the amount that was due and when was the last payment on the account which the letter stated XX/XX/XXXX and charged off on XX/XX/XXXX. The representative explained that he will do any and everything to get this debt resolved by any means. I asked what was his full name and may I speak with a supervisor he told me he was the supervisor and there is no one above him that I can talk to. So I explained I will report their company to the XXXX and CFPB. The representative stated that wont help my situation and hung up the phone immediately.
I received 3 phone calls today from Trans World Solutions Inc. one phone call was at XXXX HST, XXXX HST and XXXX HST. All calls came from XXXX. 
During my call i originally spoke with XXXX XXXX. He did not want to give me the company address and transferred me to his supervisor XXXX XXXX who did share the address ( XXXX XXXX XXXX XXXX, DE ) but did not want to share the professional license number. He then Transferred me to the manager XXXX XXXX XXXX. XXXX continued to state that he could not discuss the professional license number with me and then said " since you do not want to confirm your address we can not disclose this matter. '' I requested several times after being on the phone with 3 different people over the course of 10 minutes for a verification of who they were and was unsuccessful doing so. I have no problem paying the debt, but I do have a problem with unprofessional and sneaky service. I should not have to provide ANYTHING to them without them verifying who they are.
I am XXXX. We received an unsolicited credit card for one of our students. She is a minor and did not request it. Her household also received an additional credit card, addressed to someone who does not live there.
I have not received any confirmation on how you have verified the alleged accounts attached in my Exhibit of the credit report and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would proudly present in court if needed as supporting evidence of my trying to rectify the subterfuge that you are reporting
When I was in XXXX  and dealing with some severe health problems, my parents stepped in and helped out with a credit card I had at the time with XXXX XXXX. According to my mom, she closed the account, not realizing the negative impact it would have on my credit. When I got older and viewed my credit report, I noticed a negative item from XXXX XXXX for this account, stating there was a {$260.00} balance that was charged off. I contacted the local branch closest to me ( XXXX XXXX XXXX XXXX ) in XXXX where I was working at the time and made arrangements with the branch manager to pay IN PERSON in several installments. This balance was fully paid as of 2015 at the latest ( I no longer have the specific dates ; I threw out the receipt last year because they told me at the XXXX XXXX branch that everything was current ). I have disputed this with XXXX XXXX   directly, as well as Experian, but each company tells me I still owe the {$260.00}. This information is simply incorrect and it is hurting my credit years later.
Paid off an account with XXXX XXXX listed in collections about two months ago, but it 's still listed as outstanding.
I received exceptional service from my lender and it angers me that I can not comlain about it
There 's a public record on my report I already made payments on this so I do n't understand why it 's there when I call they said I have to dispute it
I graduated XXXX College in XXXX Alabama in 2006, for XXXX Diploma and XXXX Degree. And I am paying student loans for XXXX/Navient and Direct Loan/XXXX.Why am I paying for my student loans and the school has closed down a few years ago?
I have been having a problem with my escrow account for the past 12 months. When we set up our mortgage on XX/XX/XXXX, in our Initial Escrow Account Disclosure Statement ( Attachment 1 ) it stated that our property taxes would be dispersed in two installments. The first installment was scheduled to be taken out in XX/XX/XXXX. The second installment was scheduled to be taken out in XX/XX/XXXX. Our mortgage company Nation Star Mr.  Cooper instead dispersed the full amount in XX/XX/XXXX causing a shortage in our escrow account. In XXXX of XXXX we spoke with XXXX XXXX of Nation Star Mr. Cooper and after discussing their mistake we agreed to allow the shortage for the year of XXXX, despite the fact that this significantly raised our monthly mortgage payment. Mr. XXXX assured us in an email on XX/XX/XXXX ( Attachment 2 ) that the following year our property taxes will be dispersed in semi annual installments. 

In XX/XX/XXXX we received our tax bill ( Attachment 3 ) that showed the option of paying semi annually or in one full installment. We decided to be proactive and verify that our property taxes would be paid semi annually by calling XXXX XXXX of Nation Star Mr. Cooper to confirm what had been arranged with Mr. XXXX the previous XXXX. She assured us that their previous mistake had been corrected. Ms. XXXX assured us of this over the telephone and in several emails ( Attachment 4 and attachment 5 ). She  assured us that the first installment was already made and that the second installment would not be made until XXXX. On XX/XX/XXXX the second installment was made, though it should not have been made until XXXX. This mistake once again has caused a shortage in our escrow account. I contacted Ms. XXXX on XX/XX/XXXX and she told me that she shared my frustration and that she is working on resolving the problem and that we would get a refund of the second installment. After several days we had not heard from Ms. XXXX and on XX/XX/XXXX I sent her an inquiring email to which she replied on XX/XX/XXXX. Ms. XXXX 's reply stated that nothing could be done about this matter.
My Loan with Nationstar Mortgage # XXXX was modified and my trial payments were on time, I received XX/XX/XXXX statement and my payments went down to {$1600.00}, I phoned the bank and after reviewing they said my escrow was decreased. I made XXXX XXXX payment. Than XXXX XXXX payment came again {$1600.00} was made. My XXXX XXXX statement came and they were requesting {$2100.00}, I called and they connected me with an Escrow specialist, who did not understand what was going on, she than spoke with her Supervisor who also did n't have an answer. I was told they would call me back on Monday, when the Specialist team gets in and they wld review and phone me back. I waited patiently and still no call. I called again and this time a XXXX XXXX XXXX was assisting me. He looked at the notes but did n't have an answer for me, again spoke to his Supervisor and he did n't have an answer. They said they needed to get the top heads on my case cause they were puzzled as to why my Trial payments were higher than my statement payments. Once again I waited patiently and no phone call. Everytime I call I I get someone else and I give name of person who was helping me prior and they never recognize the name because they have so many diff. dept. I called once again and the rep read the notes and told me there was no update on status, but she wld try to figure it out. She said I had an escrow shortage XX/XX/XXXX, mind you I had talked prior to my Town Assessor and they claim that the escrow did not go up that I had to take that up with the Bank. If there was a shortage like the rep claim, should n't all that be put into the Orig. Loan Modification? If so, than why am I the one being penalized for their mistakes.
They are attempting to collect a debt for amounts not owed. They advise me that the bill is incorrect and acknowledged it themselves. they advised me that a final bill hasn't even been produced by XXXX but are trying to collect amounts that are not owed. and when a credit is due. so they are collecting a amounts not owed and they state that they can not follow dispute with XXXX 's even though they now have the account and the account was only the deactivated on XX/XX/XXXX but it's already in collections.so I want them to cease and desist all collection actions. I want the collection sent back to XXXX these amounts are not owed. I will pay for the days of service are utilized but they refused to take payment for that as well so this that is no longer owed and they need to not add this to my collections otherwise I will file Suit for a {$1000.00} for every violation as well I'll Sue for violation of the debt collection act they refuse to take payment and they admitted themselves these amounts are not own.
I contacted TransUnion by phone 7 times to report that I had not applied for credit and there were 36 inquiries on my Credit Report. I explained that I have a fraud alert on my Credit Report as I did not make these inquiries. I want these inquires removed from my Credit Report. I have attached a letter where I have also stated that I no nothing about XXXX XXXX XXXX or XXXX XXXX XXXXXXXX.
I have an RV loan with Bank of the West, and for 10 years I've been trying to get them to send a monthly statement to me, but each time I call they say " they are working on getting monthly statements set-up ''. I do not receive any statements from them at all. I have to put a reminder each month on my calendar to remember to pay - - I never know if they receive it, if I've incurred any credits/ late charges/ or how much I still owe. They encourage me to call them each month 10 days after I've sent my payment to make sure it has been credited, and then they can give me any information I need. This is not an easy task each month as the average call waiting time is 45 mins.. They do have on-line banking, but they blocked my account from accessing my own statements because of a bankruptcy that I had 11 years ago. I feel Bank of the West denying me my own account information ( expect by calling in ) and not providing me monthly statements unlawful. I'm unable to provide any documentation due to never receiving any????
Despite 2 prior complaints filed with this agency, XXXX   continues to NOT include XXXX XXXX XXXX XXXX 25-year-old account on my credit report that has resulted in the inaccurate reporting of my credit file causing me to be denied credit. XXXX XXXX XXXX XXXX in their explanation stated that they report to all 3 bureaus monthly. XXXX, TRANSUNION, AND XXXX monthly. But None of them except, XXXX   seems to have this account listed. XXXX states that upon their inquiry to XXXX, they were told them that due to the account being suppressed, it was not showing but NOW it has been fixed. And, the problem NOW is with my last name. The last name issue was fixed directly with XXXX XXXX XXXX XXXX still, XXXX continues to not report this account. Now, I have been denied credit based on having a " Limited CREDIT HISTORY '' because the information being reported by XXXX   is incorrect.