WillisBack/dataset-financial-user-claim huggingface dataset:
I have auto insurance, banking, and a homeowner 's policy with USAA. I am a XXXX vet who has trouble with short-term memory ( service connected at 90 % ). Last XX/XX/XXXX ( approximately ), my auto policy became wonky and there was some misinformation going back and forth. I spoke to someone in XX/XX/XXXX as I got a notice of cancellation. She helped me square things away, and stated the policy would not cancel after I made a payment over the phone. She also helped me change the billing date to XX/XX/XXXX, and explained the payments would be about XXXX per month. A week later, letters started arriving about cancellations, forcing me to pay the full policy up front, lapses in coverage, etc. I continued to make XXXX a month payments as I gave up. On XX/XX/XXXX, I opened up a XXXX Auto Policy and sent a letter to USAA to cancel my auto. I called today and was told my policy was cancelled for non-payment. 
Here 's where it gets worse. I tried to log on to access my bank account and my homeowners policy, and the system would not allow me access to these XXXX current accounts, stating I must call due to an issue. I called and was transferred to many people, and in fact XXXX of these folks refused to help ( especially a male in the banking side who forwarded me without helping me out ). USAA, who says they care for our Vets, do n't realize that XXXX and frustration do not help us out and that I was extremely XXXX after being passed around like this with many people in different departments. 
I told them, all I want is to access my bank account as it is XX/XX/XXXX. They told me in order to access my banking, I would have to go to the auto side and pay the XXXX payment for an outstanding balance ( which I disagreed with ). 
I went ahead and made the payment, so I could gain access to my bank account. After the payment was made, I was then told I still ca n't access my bank account until the payment clears, but after checking with the manager she came back and said it refreshes after midnight. I asked why I can not access my bank account as this is separate from the auto insurance division. I even went as far as stating that this is ransoming my financial product ( by stating they were kidnapping my account ), which I understand is a silly statement, but was said out of frustration. After 65 minutes on the phone, the only thing I have is a paid account ( which I do n't owe because I gave them the date of my Progressive policy ), and still no access to my bank account.
XXXX XXXX XXXX is reporting on my credit report as a closed/unpaid account. It was originally in the amount of {$680.00}. This entire debt of {$680.00} was pain In XX/XX/2018. However, it is a balance on the account as of today of {$110.00}. This is inaccurate because the {$680.00} was paid to the company. And the company failed to remove this debt from my credit report. The acct # as reported is XXXX in the original amount of {$680.00} which was paid.
I have submitted XXXX disputes to Midland Credit Management ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA-XXXX, ( XXXX ) XXXX ) XX/XX/XXXX. XXXX was in XX/XX/XXXX for a collection account on my report that i could not validate. I sent them a letter requesting the information about the account to investigate. I received no response. I sent a follow up letter on XX/XX/XXXX again requesting information, i again received no response. XXXX reported that Midland had stated they verified they debt, yet have had zero contact with myself, sent me zero notices and refuse to provide how they verified this debt and that they own it. The bank they state their collecting on behalf of closed XX/XX/XXXX XXXX XXXX XXXX ). I previously had XXXX credit cards fraudulently opened at XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX ; I spoke with them over several months XX/XX/XXXX and they investigated, AND removed all XXXX accounts due to their internal investigation results. I have XXXX debt owed to XXXX Bank, but Midland placed on my report that i had a charge off XX/XX/XXXX -- 2 years AFTER this bank closed. They reported on my report that my Date of First Delinquency was XX/XX/XXXX -- which is odd because there have been no active XXXX Bank accounts since XXXX when sold to XXXX XXXX. It 's also inaccurate because a collection agency ca n't open an account XX/XX/XXXX if that consumer did n't become delinquent until XX/XX/XXXX -- their info is not accurate and they are unable to validate this item. They have refused to send any supporting information and are reporting inaccurate and false data to my XXXX, XXXX and XXXX credit reports. Due to Midlands lack of response and inability to provide any info about this debt, supporting it belongs to me, or any correspondence, I 'd like it removed from my credit report per FDCPA guidelines.
I have a private student loan with Navient ( original creditor ) that is listed on my credit report as a charge off in the amount of {$21000.00}. Every month it shows up that I have missed a payment on my student loan to Navient.
About 2 years ago this loan was sold (? ) to  XXXX  who now services my loan. I came to an agreement with  XXXX  that I would make payments of {$120.00} every month until the loan was paid in full. This amount is taken out of my checking account every month and I have never missed or been late on a payment for 24 months.
I have contacted   XXXX   and Navient and explained that since I am making payments to  XXXX , who is servicing the loan for Navient, I do not believe it should be reported that I am missing a payment every month to Navient.
Navient wrote me back and told me that they can still report every month that the debt is charged off and that I have missed a payment.
Is this correct - seems strange that the loan owner can report a missing payment when I am making monthly ontime payments to their servicer.
Thank you   XXXX   XXXX
My At & T universal Credit Card/ CITI was charged with fraudulent purchases during XXXX 2015. XXXX calls were made, XXXX certified letter were sent to remedy the problem : I asked them to drop the charges, to close my account, and NOT to send A NEW CREDIT CARD. NONE OF MY REQUEST WERE ANSWERED AND A NEW CREDIT CARD WAS SENT TO MY ADDRESS which I have not received and was activated not from my phone. This credit card company may have a security breach : I had to place a credit freeze plus change all my credit cards and bank account numbers and I still have not received a letter from the AT & T credit card company stating that all my accounts at the credit card company are closed. After multiple calls and letters in the last 6 weeks no resolution has been reached and my account is still open : I want NO credit Card from them and No account with them. Please help
I opened a Checking 's account With citizens and waited for my card to come in the mail for about a week and a half. When i finally received it i called and activated it, it said it was successful. However when i went to use it I got declined so i called customer service they told me they fixed t and my card should work. so i head back to the store,  Again declined. so again i call customer service they said i never activated my card i told them i did twice now and they said no problem and the card should work not. So now for the third time i head to the store, the only difference this time was when my card got declined the cashier told me t came up expired. so now again calling customer service i asked to speak with a supervisor and after being on hold for 43 minutes i got someone saying all the supervisors were busy and that she could help me. She explained that the mailed out the card had then ordered a replacement card. I asked why they ordered a replacement card they could n't tell me why. Then told me it would go to my new address ( which i had to call 4 times just to get them to change before actually having to go in the branch for them to actually do it ) it did not in fac t it went to an address i never lived at coincidentally it was a friends house thank  XXXX  for that or someone else would have had my bank information. but even worse is now that i finally got my new card after a months wait i go to use it and guess what. You 're right DECLINED. so now I 'm getting late fees because citizens screwed up and wont let me access my money!!!!
I took out a car through honda fiancial services and i was always good on my payments. Recently unfortunatly i was laid off my job, about 4months ago. I was able to keep up with the payments till about 2 months ago and about every week or so honda fin. Would call me and ask about what was going on which i had told them a bunch of times that i was laid off. Any ways most recently i call them back due to a voicemail they left me and i spoke to one of there representatives, which at first was very polite. I called them because of course im concern of my finacial situation. I was trying to look for a solution or help see what i could do so i mention a couple things i heard they could possibly do, and immediatly she turn to this unfiltered, unprofessional, and agressive person. Saying that what ever i heard was wrong that i should know its my responsiblity to pay the payment. I still kept my cool and explained how i didnt ask to get laid off. She still was very rude and said you have to figure it out, again i would tell her more of my situation and again " you have to figure it out '' thats all she had to say. Obiously it upset me with so much pressure put.
I initiated a cash-out-refi on a  Wells Fargo owned condo mortgage. My personal creditworthiness is outstanding. Employment, ann ual income, on time mortgage payments and  XXXX   credit score are  all verified. The condominium is my primary residence and only propert y. Wells Fargo bought  my mortgage in   XXXX   as the original mortgage broker was too small to service the loan.  XXXX   XXXX  is the date I started sending documents  to Wells Fargo. As of  today,  XXXX   XXXX , I received an e-mail from  XXXX   XXXX  informing me tha t Wells Fargo un derwriters could not approve the refinance because the  " Fidelity Bond Insurance '' policy wa s not in the name of  XXXX   XXXX , but rather in the name of  XXXX   XXXX   ( th e company that provides  HOA servic  XXXX  to  XXXX   XXXX   ).   XXXX   XXXX  has NO Employees and therefore needs no fidelity bond insurance.  XXXX   XXXX  IS covered.  XXXX   XXXX  an d Wells Fargo  have been negligent in their duties to properly handle this refi attempt. I should not have had to wait 38 days to find out they ca n't refinance THEIR OWN MORTGAGE because of some semantics issue o ver fidelity bond insurance.
i wanted to see what my score was I thought it came with the annual report and it did n't. I should not have to pay to get score from annual report
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under sections 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be verified, that I have disputed. Please resolve this matter as soon as possible. Thank Account Name- XXXX Account Number- XXXX Account Name XXXX XXXX Account Number- XXXX Account Name- XXXX Account Number- XXXX
I have been attempting to get this defaming information off my credit report and the bureau continues to say re-investigation in progress since XX/XX/2018. Every month it's the same re-investigation process for the past 5 months now. The bureau has not sent me any verifiable proof with my signature to prove the information reported is accurate.
Experian was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX
On XXXX XXXX, XXXX, I mailed a letter to Experian asking for them to conduct an investigation on various accounts. I received a letter dated XXXX XXXX, XXXX stating that " If you question the results of our dispute process, then you may want to contact the furnisher of information directly or review the original information in the public record. Please refer to your original personal credit report the furnisher or public records office name, address, and phone number ( if available ). 

According to the Fair Credit Reporting Act ( FCRA ), a national consumer credit reporting agency 's role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information r the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosed all relevant information regarding the consumer 's dispute, etc. '' *This letter was sent to me however no results to the investigation were ever provided. 
*Using the report # on the letter sent, I was not able to access my credit report. 
*I was unable to access my credit report with the report # or with my personal information. 
*Contacted Experian on XXXX XXXX, XXXX and spoke with XXXX and went over the items that were placed under dispute. Not all items listed on my request were placed under dispute. XXXX stated she could n't see where they had sent out the results of the dispute and could n't find my letter initially. 
*She offered to place the items that were included on my letter that they did n't place under dispute in dispute, and I declined.
While reviewing my credit report, I noticed an unauthorized and fraudulent inquiries initiated by CITIZENS ONE AUTO FINANCE on XXXX XXXX. I did not authorize employees of CITIZEN ONE AUTO FINANCE to review my credit report at any time. I have requested that CITIZEN ONE provide me with any signed documents to validate this inquiry within 5 business days and they have failed to do so. The inquiries into my credit profile without my clear written authorization is in violation of my FRCA and Privacy Rights. I am requesting that CITIZEN ONE AUTO FINAANCE contact ALL credit Reporting agencies to permanently dele these adverse information as they directly have resulted in my inability to obtain new credit or employment and Housing.
I voluntarily returned my vehicle back to XXXX XXXX XXXX ... the reason for me returning my vehicle was because the company had approve me for a extension for 2 months which was XX/XX/XXXX until XX/XX/XXXX and was to pay back loan on XX/XX/XXXX however the extension got denied and they call me back to let me know that days later so then I ask them what will happen because now I dont have any money and that was due to in and out of the hospital so now they asked me to pay more which was {$490.00} for 3 months to keep the car I felt as if I was lead on ... I was thinking they was trying to help me but they ended up hurting me ...
Back in XXXX of XX/XX/XXXX, I had so many problems with XXXX XXXX XXXX XXXX XXXX losing paperwork and processing my car loan that I decided to cancel the loan. I was told by XXXX XXXX that they would stop the loan on their end. I called for the next two days to confirm the cancellation of the loan with both XXXX and XXXX XXXX. Within a couple of days, XXXX XXXX XXXX XXXX XXXX processed the loan. I had to accept the loan. A week or so later, I was contact by XXXX XXXX XXXX XXXX XXXX and they stated that they made a mistake processing the loan and that I had to pay additional money for taxes. I submitted a complaint to the Consumer Financial Protection Bureau ( complaint # XXXX ), and XXXX XXXX agreed to remedy the situation by paying the taxes. Now XXXX is contacting me to pay the taxes again. My account number with XXXX is XXXX. I called in today ( XX/XX/XXXX ) and waited 22 minutes on the phone to speak to a supervisor and then the call was disconnected. XXXX sent me a notice dated XX/XX/XXXX stating that I had to pay {$300.00} within 15 days threatening to send the remaining amount to a collection agency. I received the letter in early XXXX due to the holidays.
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed being that they have gone past the 30 day mark and can not verify these accounts. Under section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you
I did not renew my home equity line of credit with Popular Community Bank. I have had a {$100000.00} line of credit with them for many years with a zero balance. I informed them in writing 3 times and by phone once that I do not want to renew the line of credit. They continue to bill me {$78.00} for a service I do n't want. They have not responded to any of my written communications with them.
I have disputed with Equifax on numerous occasions, the XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I have never resided at this address. Equifax has responded on 2 occasions to my disputes in their reports dated XX/XX/XXXX ( Confirmation # XXXX ) and XX/XX/XXXX ( Confirmation # XXXX ) that they had indeed DELETED this address, yet when I pull my most recent report, Equifax is still reporting these addresses. 

I have never lived at this address, nor have I ever received any mail at this address. Equifax is deleting and reinserting this address and has NOT one time advised me 5 days prior to reinserting this inaccurate address. Again, Equifax has furnished me reports on two different occasions where they explicitly stated this address was DELETED! This address needs to be DELETED IMMEDIATELY & I NEED TO BE PROVIDED AGAIN ANOTHER COPY OF MY UPDATED REPORT REFLECTING THIS DELETION! 

EQUIFAX DOES NOT HAVE THE RIGHT TO RE-INSERT THIS ADDRESS ON MY REPORT WITHOUT GIVING ME 5 DAYS NOTICE -- -- THEY DID NOT AND CONTINUE TO DELETE AND REINSERT EVEN AFTER THEY STATED IT WAS DELETED.
A company named XXXX XXXX - In XXXX FL. Would send a colection letter for the last 2-3 years claming that I owed XXXX {$300.00}. I called XXXX and XXXX informed me that not only did I not owe them anything, but that the Account Number DC was using was not in the format that XXXX used for their Accounts. Now Diversefied Consultants has filed a colection notice with XXXX. My credit score went down 30 points! this company needs to not only remove the Collection clame, but pay damages!
XXXX XXXX received a judgement against me and has been garnishing my check for years. I have finally paid the debt in full and yet they are still reporting I have a balance and in collections which has devastated my credit score. The debt of {$3100.00} has been paid in full. I have disputed this account twice.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXEQUIFAX/XXXX RE :  XXXXXXXX XXXX XXXXXXXX Dear Credit Bureau, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I HAVE INCLUDED DOCUMENTS OF PROOF ABOUT THIS COMPANIES ERRORS, AS THEY HAVE IGNORED MY DISPUTES FOR NEW REPORTING OR DELETION. 
1 ) THE BALANCE IS INCORRECT : I HAVE ENCLOSED THE CORRECT BALANCE PROVIDED FORM THE COMPANY AND YOU CAN SEE ITS WRONG ON MY CR 2 ) I AM IN A SETTLEMENT AGREEMENT AND HAVE BEEN MAKING MY PAYMENTS AND THEY ARE NOT REPORTING THIS FACT AS THEY ARE LAWFULLY REQUIRED TO DO PER THE NEW LAW STATED HERE FOR YOU " : Under the settlement, credit reporting agencies must require collection agencies that report data to " regularly reconcile '' information about accounts that haven't been paid in full. If they don't? The agreement says, " This regular reconciliation will be accomplished, in part, by periodic removal or suppression of all collection accounts that have not been updated by the Collection Furnisher within the last six months. '' In other words, if a consumer has been making payments but the collection agency fails to update the account for at least six months, the account will either have to be removed or " suppressed, '' which means it won't be shown to companies that order the report, and won't be used to calculate a credit score. '' I am distressed that you have included the ABOVE information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

I respectfully request to be provided proof of this DISPUTE. item THE ITEM must be deleted from the report as soon as possible : CREDITOR AGENCY, acct. XXXX The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX
I received a letter yesterday XXXX/XXXX/15 for a debt I do not owe from. this company named Performant Recovery Inc. XXXX XXXX, XXXX , CA , XXXX. Collectors Name : is XXXX XXXXCollection Phone : XXXX. Main Line : XXXX. I contacted The Dept of Treasury and they give me the number for The Federal Trade Commission for whom I called to file a complaint.
The following inquiers are reporting unauthorized on my report. I recently was apart of the data breach i have reached out to all 3 bureaus on several occasions with no help. I didnt authorize the pull of my credit from any of these companies listed below XXXX XXXX-XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX-XX/XX/XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXXr-XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX- XX/XX/XXXXXXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX-XX/XX/XXXX
The FCRA has dropped my credit score by 93 points within the last 45 days. Due to an old collection account that keeps getting sold to a new collection agency. I haven't had any other activity on my credit in the past two years. The FCRA has also taken it upon themselves to change the status of my charged off accounts to closed accounts with an outstanding balance. Based on some research I conducted, accounts that have been sold to Collection Agencies should be considered paid off by these agencies to the debtor and should no longer be shown on my credit file, or should have a zero balance. I want an investigation done to consider why my score would go down so drastically based on an old collection account that was sold to another agency that started a new report.
Paypal credit opened a account in my name. I did not tell them to open the account. They told a company called XXXX sent them a bill and Paypal sent bill to me. Paypal is refusing to give info I need for police report. They keep sending me to other people. They will not take a fax from me with info they asked for. They will not take my info over the phone.