WillisBack/dataset-financial-user-claim huggingface dataset:
We previously had an AmEx XXXX card and purchased plane tickets through Delta using the card approximately 1 year ago. AmEx lost their business with XXXX and transferred the business to XXXX. After a recent complaint with Delta ( XXXX XXXX Delta computer crash ) they are going to refund us some $ $ $ but need to refund it to the old AmEx card that the tickets were originally charged to that no longer exists. Delta said I need a letter from AmEx stating the account is no longer valid. AmEx refuses to provide me with the letter. They state that their system will not produce a letter such as that. This is not a credit issue as we have excellent credit. We are already having an issue with XXXX failing to reflect a payment that was forwarded to them by XXXX when I sent a payment to AmEx after the switch to XXXX. I do not want to experience the same frustration.
I first got into XXXX due to the offer of a grant of XXXX after a year in school I noticed that the quality of the service was poor. Teachers will not show up to the class in many occasions class was cancel. Most of the class were giving by different substitute where everyone had a different teaching style. I was not learning anything at all. I pass the class and don't know how as the teachers was granting good grades to everyone regardless if they show up to the class or not. The grades was fraudulently granted.
When I opened an account with Regions Bank the put me in an " opt In '' status without asking me. Opt in means that the keep paying your debit charges even though you have no overdraft protection. As with a normal debit card it will refuse the charge if there re insufficient funds, they call this " opt out '' which should be the default like all debit cards. Now I have accumulated XXXX in NSF charges. They did not give me a choice as to " opt in '' or " opt out ''. why would anyone chose to pay a XXXX overdraft fee for a XXXX debt charge. They are a rip off.
A debt collection company named XXXX XXXX XXXX XXXX is contacting me regarding a debt with Spotloan. I 've asked this company to send me the information in writing to my home address. A representative by the name of " XXXX '' states they 've sent the letter previously and it 's not their fault if I did n't get it and that they refuse to send me another letter in writing. 

Also, I 've received a call from family members stating this company is trying to reach me on several other phone numbers, XXXX and XXXX. These calls have to stop. They 've been instructed that they should not be contacting any other numbers.
I would like you to please looking into why my credit score dropped so far down when i had fair credit. Tran Union dropped my score from XXXX to XXXX that is a drop of XXXX points and XXXX dropped my score from XXXX to XXXX that is XXXX points. I sent them a letter in XX/XX/XXXX telling them i did not make all of those hard copies on my account 's. I have not heard anything back from them since i wrote to have those hard copies remove. All they have done is dropped my credit score. Please have them put it back my credit score should be. I seen the drop on XXXX. will you make sure they take the hard copies off and raise my score on XXXX again. Sincerely XXXX XXXX
XXXX Mortgage merged with XXXX XXXX XXXX. They suspended credit reporting last XXXX due to their merger, and they have told me they would resume reporting by XXXX XXXX. All payments have always been made right on time at the first of every month. My credit reports still show XXXX Mortgage with the last payment date of XXXX XXXX, XXXX and the balance as of last XXXX. I have repeatedly attempted to correct this via both email and telephone. XXXX XXXX is either unwilling or unable to report my payment history and balance correctly. My latest credit reports dated XXXX XXXX remain incorrect, with no history since last XXXX XXXX!
I recently paid off my loan on XXXX/XXXX/2016 due to refinance. I have asked for corrections to be made prior to the loan being paid off which did n't happen. My XXXX/XXXX/2016 payment which was sent on XXXX/XXXX/2016 did n't get credited to the account until XXXX/XXXX/2016. The company provided an updated payoff after the payment posted. I have contacted the service provider several times with no resolution. XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016 ( phone finally reached an individual ) XXXX/XXXX/2016. They have accrued interest in the amount of {$410.00} which should be due back to me, and collected PMI for XXXX 2016 which should not be due. The loan was paid in full on XXXX/XXXX/2016. Please help me obtain resolution on this I 'm at a loss on how to work with this company. 

Sincerely, XXXX XXXX
Attempted to search for airline tickets thru XXXX XXXX on XXXX & XXXX. Did not complete transaction as XXXX raised prices significantly while processing. Backed out/cancelled search and XXXX placed XXXX separate " pending '' holds for a total of {$3200.00} ; {$2200.00} on XXXX and the balance on XXXX. Called my bank Suntrust to let them know I DID NOT purchase tickets. Called XXXX and basically got nowhere and was told XXXX business days was typical for them to hold monies from my account. On XXXX Suntrust did a Credit Memo for {$2200.00} and indicated that " once XXXX released the hold, the credit memo would be " paid back '', basically balance back to what it should be ''. The customer service rep never indicated that there was a specific time hold, i.e. XXXX hours and that the Credit Memo would only be for that specific time period. Today I see the Credit Memo dropped off and my account is in the negative as well as my savings account because I have overdraft protection. I called Suntrust, again, and was told that the Credit Memo was time specific and as of today, XXXX there appears to be a XXXX hour hold from XXXX XXXX. I stated that today would be day XXXX and yet there is another XXXX hour hold? That leads me to believe that XXXX will not release the hold until Monday XXXX at the earliest ... How is it that Financial Institutions can manipulate funds in this manner? If I indicate that NO PURCHASE was made and a XXXX party vendor is simply tying up my funds XXXX business days for their use, that my banking institution does not have the authority to release or drop a hold. How is this any different than a fraudulent transaction? Again, I DID NOT purchase tickets ; merely searching. 
As a side note, on Tuesday the XXXX my First call was to XXXX XXXX who said I needed to call XXXX and then my bank. I then called XXXX and was told to call XXXX XXXX. Neither had any confirmation information indicating to me that there definitely was no pending transaction. I did call Suntrust and on a Conference call with XXXX was told that a Fax would be sent ASAP from XXXX with all pertinent information that Sunturst needed to release the monies ; that Fax never was sent. I called XXXX, again, got a Supervisor who pretty much told me, " Oh Well, XXXX business days ''.
Transunion deleted XXXX Mortgage account # XXXX and XXXX account # XXXX then placed them back on my credit report.
I have made numerous calls and sent numerous faxes to Equifax. The faxes contained a cover sheet with Name, Address, SSN, D.O.B., File #, email address, and the reason for the fax, which is to remove from credit file. The fax also contained a letter on company letterhead, my name, date, acct #, and in the body of letter, info stating this account was no longer with this company ( XXXX XXXX ) and has been deleted from their files. But, no matter how many reps I spoke with ( over XXXX ) or how many faxes I sent, they still would not remove, this collection from my file.
I used my American Express Bluebird card to withdraw {$500.00} from a XXXX ATM on Approximately XXXX XXXX, 2016. Following this withdraw there were XXXX unauthorized transactions, in the amount of {$20.00} per transaction, for XXXX. I notified American Express Bluebird on XXXX XXXX and they opened my claim, I would call and follow-up on my claim and I was awarded {$20.00}, on XXXX XXXX, for XXXX that they felt was fraudulent/unauthorized. However, I was notified via email, on XXXX XXXX, that the remaining XXXX, identical transactions, were considered authorized. My account was also immediately canceled by American Express Bluebird stating I was in violation of the agreement section 22D on that same day. I spoke to a representative and was told that the department that reviews and declines disputes is unreachable that there is no email, fax, telephone or address on file and their decisions are final.
On  X/XX/17   , I requested  XXXX  &  XXXX  to validated accounts on my credit report and received response on  XX/XX/2017    from  XXXX  and on  XX/XX/2017    from  XXXX  that accounts where verified but was not provided any documentation as to how these accounts where verified.     Also  XXXX   XX/XX/2017    report - on  X/XX/17    I requested that the status be updated on all of my student loans including late payments because my account was in forbearance and dates where not accurate. There is also duplications of my student loans on my report and they have refused to address that issue. I have attached a copy pf my letter that was sent to them
Around XX/XX/XXXX, Capstone Credit & Collections began reporting a collection account to various credit bureaus from a supposed debt owed to an apartment complex from XX/XX/XXXX, XXXX XXXX. As this collection is not only inaccurate, but I never received notice of it before seeing it on my reports, I have attempted to dispute it. These attempts have been in vain. I have yet to receive any response or documentation of the supposed debt. XXXX XXXX never even so much as sent the required written notice that they were keeping my security deposit, as they are required to under Florida law ( it 's supposed to be sent certified mail, so there 's a record of it ). <P/>When I spoke with Capstone 's " collection agent, '' and asked for documentation of the debt, I was told to call the apartment complex since Capstone did n't have it. When I called XXXX XXXX, they said they did n't have it and to check with Capstone. It was the literal run-around. <P/>In an effort to find out what more I may be able to do, I discovered that Capstone has an F rating on BBB, with a 100 % negative review and OVER 30 complaints. The majority of which have to do with their shady collection practices. Though, I suppose it shouldnt come as much of a surprise. With more digging ( aka simple XXXX search ), I found that the owner, XXXX XXXX, is a five-time XXXX XXXX, and has been XXXX XXXX XXXX XXXX, XXXX offenses, and, my personal favorite, XXXX XXXX XXXX and then using it at a XXXX XXXX. It seems that breaking the law at the expense of others is only par for the course for Capstone Credit & Collections. How is someone like this allowed to report data to the major credit bureaus anyway? <P/>This may explain why they were unwilling to help me in regards to a collection that should never have been on my credit in the first place.
I have been receiving a call every day from this phone number starting XXXX weeks ago. Every time I pick up the phone, either the other party hung up or not said a word. I searched on the internet and found that it is a debt collecting company. I do n't own any debts so I never bothered to call back. I also blocked incoming calls from this number because it is very annoying! At a result, they just leave me a XXXX second long empty voice mail everyday. Seems like many people on the internet have suffered through their harassment!
I have a Old Vehicle Loan that I took out in XX/XX/XXXX or XX/XX/XXXX that was paid off in Full in XX/XX/XXXX as a Positive Good Standing Account for {$3000.00}. It was Positively building my Credit and was one of my Largest Tradelines. With the Data Breaches it was deleted and wasn't notified. I understand its closed but the Credit Bureaus stated I needed a Resinsertion Letter from the Credit. Please Add this back within 30 Days
I have 4 closed student loan accounts showing up and they were paid and Ive contacted the creditors to remove the inquiries, I also am needing to dispute recent inquiries
I received correspondence from R A Rogers stating I owed a balance to them. I have sent a letter to XXXX XXXX XXXX XXXX a request for validation as well as a contract of a signed contract with them and they have not provided either. Then I was threatened by someone whom identified themselves as a lawyer of a lawsuit. I have not entered into any contractual obligation with them so how can they report a date opened, date closed, account number, date of status, as well as status.
In XXXX, a package was shipped from me to XXXX with tracking # XXXX. Originally, I was going to drop it off at the XXXX store near me with paper packaging but was told it was unacceptable. They then re-packaged it for me in a large XXXX box to which I paid the full balance of at the store. I received a collections activity notice which I demand be stopped, as it is an invalid debt. The collections agency, Transworld Systems, put a 30 day dispute hold on my debt, but I 've been unable to contact XXXX directly about this. The invoice # is XXXX which again, I was told by the collections agency, is the only way to look up the original package due to being in collections. I wo n't pay a debt that I paid for at the XXXX ( in XXXX ). I want this dismissed.
I have been trying for years to get Transunion to correct errors on my credit report, mainly the reporting of my student loans as having late payments. These loan were not late. They were in approved forbearance. Despite my sending proof of the forbearance they somehow continue to come back as reporting accurately. I do not think Transunion actually investigated some of my claims. I reached out to the loan servicer and I was sent more documentation that the loans were in forebearance and they directed me to the credit bureaus for further disputes ( will upload letter stating this fact from XXXX XXXX. ) I also had the same problem with a loan from XXXX XXXX. I was told that I had a forbearance while the loans were being consolidated and I somehow still managed to have a late payment report. This was so distressing to me that I actually wrote to my state Senator who forwarded my request to the XXXX XXXX XXXX XXXX. I received another letter directing me to dispute with the credit reporting agencies ( will upload letter from Senator. ) At this point who is supposed to fix this?? The student loan companies change so much and buy and sell that they have horrible record keeping. I gave up on this fight for a while until recently because I was just tired. But now I 'm thinking why should I suffer for something I have n't done? I 'm just curious as to how Transunion and other companies investigate. According to Transunion I have had a fraud watch on my account since XX/XX/XXXX orXX/XX/XXXX due to my ex obtaining credit in my name. There is even a XXXX XXXX charge off that I have requested full validation but it keeps coming back as verified with Transunion, although the information did not match with the other two major reporting agencies and was deleted. I am sending every piece of documentation that I have. I am also sending a report from XXXX stating that addresses listed on my report were coming up as businesses and there is a variation of my social security number and it isnt even close to my actual XXXX. I have made some credit mistakes in the past but I have paid my creditors and now these are the only things that remain deliquent on my Transunion report which is why I wanted to address it. Pleas help me get Transunion to report accurate and verified information on my report and remove the things that are erroneous. Thank you
I have been living in my property over 8yrs, got into some financial difficulty due to medical condition. I was only 3 months delinquent and I sent XXXX payments in that was sent back to me. I have been waiting for almost a year to get some type of assistance which made them charge me more late fees along with attorney fees. I was recently denied for options due to the amount of months they are stating I am delinquent ( over 12 months ) I disagree and in addition I was not given the option of a partial claim nor a repayment plan. I attempted several times to contact them and was told to call there lawyer. I was never served a complaint to negotiate the amount i owe to this date. I am appealing the decision made of denying me any and all options with the acceptation of selling my home. I am not happy with the results of this mortgage/servicer company.
I went in to make a partial payment to pay down my loan and was told that I was not able to make partial payment, I could only give them funds if I made the payment in full. I 've never taken out a loan where they would n't accept my money unless I had all of it at once. They 're already charging a ridiculous interest rate, why penalize me even further by not accepting my funds? How is this legal?
On XX/XX/XXXX I noticed a collections account from EOS CCA for $ XXXXwith an opening date of XX/XX/XXXX. I contacted EOS CCA and was informed that this was a debt collector for a final XXXX bill dated XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX to determine next steps and was informed that it was a XXXX XXXX account. On XX/XX/XXXX I contacted XXXX XXXX and was repeatedly told nothing could be done because XXXX no longer had access to the account since it had been sold to a collection agency. 
I contacted EOS multiple times due to a language barrier and the telephone lines being closed during their normal business hours. EOS will send me a verification of the debt within 30 days. EOS informed me of the following via telephone : 1 ) XXXX mailed the bill to my address without my apartment number. My previous community had approx. 500 units. 
FACTS : All communication that I had with XXXX XXXX was electronic. My service was disconnected ( because I was moving ) and once service is disconnected so is your access to your online account. My mail was forwarded to my new address. 
2 ) XXXX notified me of the bill in XX/XX/XXXX, XX/XX/XXXX and then sent the bill to collections in XX/XX/XXXX. 
3 ) I asked EOS why the didnt contact me in XX/XX/XXXX. They told me they attempted to call me once in XXXX to a XXXX XXXX XXXX XXXX and was unable to reach me. This telephone number that they contacted me was likely a telephone number assigned to me in one of the XXXX packaged deal that was RARELY if ever used and was disconnected along with the TV and internet services. 
4 ) EOS informed me that it is against their companys policy to delete collections from credit reports I have no issues of paying a {$31.00} bill, but I can neither confirm whether I received it or paid it since it was 2 years ago. It is very frustrating that this has negatively affected my credit score without my knowledge of the bill.
Rocket Mortgage / Quicken Loans created two separate loans, one as a purchase and one as a refinance, after I clicked an email specific to rates for refinances. I did not complete the online application process, and was redirected to the online chat. This was due to their computer system moving me into a purchase application from their link about refinance rates. I told the representative during the online chat that I was only interested in getting refinance rates, as I was at an airport and soon to board a flight. I ended the conversation after I was given a rates range. I was stunned when I received notice by mail that both my and my wife 's credit had been pulled. ThI never approved an application and neither did she. These events occurred on XX/XX/2018.
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one ACCOUNTS CPS/MAIL XXXX PREFERD XXXX INQUIRIES DMSI/AUTO YES XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX TOTAL MERCHT XXXX/XXXX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX A XXXX XXXX XXXX XXXX {$760.00}
Since XX/XX/2017 we have been trying to get our payment lowered by having the loan modified through the loss mitigation process. It took almost 9 months for a approval. They kept asking for paperwork I had already sent. While they wait for that paperwork other paperwork was out of date then they would request that again. I had to send them a hardship letter 5 times and pay stubs all most 10 times.I have fax confirmations. Our attourney sent the paperwork and authorization and they said they didn't have it at all. So I complained to the state and assigned someone then o got a approval. Then the trial period started and rather then lowering the payment everything increased.They said the reason is because of the back pay. So I filed a hardship with the state now it was current and we just needed it processed. Now we have to start over and now they are playing the paperwork game again and now we have a 30 day late payment. And they still have not explained the fees they charged and can't .Its just money they took from me.
This complaint is against Diversified Consultants. I am not sure why this is reporting on my credit as I 've never had an account with Diversified Consultants as the notes under the account indicate. According to my credit file, the account number starts with XXXX. I have never had a contract with this company for services rendered. At this time, they are saying I owe them almost {$790.00} and yet, I have no idea for what. I have challenged this with the company and XXXX on numerous occasions in the past and as of this date, it is still reporting on my credit. 

This negative item is hindering my ability to move forward to buy my family a new home. There is no reason for this account to be on my credit when it does not belong to me and it has already been proven to not belong to me. By reporting someone else 's account on my credit, my rights as a consumer are being violated and this is why I am bringing my complaint to the Consumer Financial Protection Bureau.
XXXX XXXX outsources their services to PHH. In 2017 they paid property taxes after I paid them. Then they billed me {$1000.00} more per month for the delta. I could not and would not pay as it was not my fault. Thanks to the CFPB, PHH resolved the issue after 5 months and countless calls for hours. Case number XXXX My problem now is that PHH is charging my late fees in excess of {$200.00} for something that was delayed due to something that was their fault. I did make my normal payment. They refused to recognize payment and billed late fees. Furthermore, they have tarnished my credit bureau score at the same time. I have left countless messages for XXXX XXXX XXXX My last attempt to do this without CFPB XXXX XXXX agent id XXXX would send the request to remove the late fees to his manager. All future correspondence will be done by USPS mail. As PHH has not once done anything promised, I am forced to submit this plea for help
I made a call to Equifax today XXXX XXXX/XXXX/XXXX XXXX to request a copy of my credit report. For over a year now I have been unable to request my Equifax credit report using the Equifax website. The problem is with the challenge questions that are presented that must be answered correctly. The 4 questions do not represent information on my credit report, nor do they represent any accounts in my credit history. When I asked the Equifax customer service representative about this he stated that the questions are pulled from a central system, not the credit report. There is no way to successfully answer the questions since they do not apply to the requester.
This should be considered a follow-up to Reference XXXX. Because J A Cambece took no additional action the case was dismissed. However, on XXXX-XXXX-2018 I received a call from their office attempting to collect on the debt regardless. I consider this to be a form of harassment and will seek any remedy available. The number shown on the caller ID was XXXX and the time was XXXXXX/XX/XXXX. Thank you for your assistance. 

XXXX XXXX Consumer