WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing this complaint to all 3 credit reporting bureaus for their absolutely poor investigation into my issue with XXXX 

I wrote a complaint to XXXX and forwarded it to all 3 bureaus in the same complaint and even though XXXX informed me that the 30 day late is going to be REMOVED from my credit profile and even sent me a letter from the president regarding it, all three bureaus claimed that the information was correct and refused to update the derogatory reporting and as a result kept my score low. This was made worse by them reporting in the remarks that the information was FCRA compliant and verified by the company. HOW IS THIS POSSIBLE? THEY REMOVED THE LATE!!!!!!!! 

I HAVE attached the letter that XXXX sent me regarding my complaint. They agreed that the late would be removed and said they would inform your agencies right away. what happened? WHO and HOW was this LIE verified? 

I want the government to see what type of liars these agencies are and how they continue to refuse to do the right THING just so they do n't look wrong. INCORRECT INFORMATION IS INCORRECT INFORMATION! Why fight consumers when there is nothing to argue about? See that you are all fraudulent liars and DO NOT CONDUCT ANY SORT OF investigation! Do you see? 

THIS IS COMPLAINT 1 of many more to come. Because I have been disputing illegal XXXX  XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX accounts on my profile for years and they have always denied to remove it and I felt awful. 
But after this XXXX incident I know for a FACT that Transunion/XXXX and XXXX are a bunch of liars and DO NOT conduct legal or appropriate investigation. I will be filing many more complaints to clear my credit of misinformation!
Since XX/XX/XXXX I have initiated 3 disputes with Equifax and to date none have been completed. Most of the disputed items still remain on my credit report. The last dispute was initiated on XX/XX/XXXX. Since then I have looked at my report on XXXX and it does show that XXXX accounts have been removed but to this day I have not received in correspondence from Equifax or any updated reports. When I check the status on their website, it still shows pending, along with the previous 2 disputes. I have not received any updated reports or results of my disputes. Most of the items were opened around the same time and were from the same main bank, either XXXX or XXXX. XXXX has sent me letters showing that the dispute of their items were found in my favor. I have attached documentation of 3 of those letters. Those have been removed but the others still remain on my account. I also am attaching proof that my data was breached yet again in XX/XX/XXXX.
The medical debt was consistently being paid WHEN it was turned over to this collection agency. This company - Preferred Collection & Management Services. This company repeatedly calls my phone number sometimes XXXX times in a row and have been calling before XXXX. This morning they called me XXXX times just between XXXX. It is excessive and ridiculous and they 're breaking the rules on collection.
XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX   UNKNOWN {$6000.00} XXXX XXXX UNKNOWN {$3500.00} XXXX Please remove all non-account holding inquiries over 30 days old. 

Thank You, XXXX XXXX
Despite my repeated dispute submissions to the credit bureaus, the agencies continue to report damaging fraudulent activity. A police report was filed, and details were forwarded to bureaus and XXXXollectors, but I continued to be harassed. XXXX responded to my last consumer finance report by stating that the account was verified with collection agency. The verifying information was that the person who committed the crime used my correct Tax ID #. Well isn't this what we call fraud? This battle has continued for years, and last week, I was able to endure another interrogation from the fraud department from the collector, and they finally agreed that the account was definitely fraudulent. All 3 bureaus have continued to report false information despite a police report, and clearly they did not take the time to investigate with the collectors. Instead, they simply reported that it was my debt. One of the accounts is tied to an address, and person who committed the crime. The agencies refuse to remove me permanently from marketing. I am uploading a copy of the information received from the collector for a specific debt in question. A cellphone bill in the excess of 1000. 
I am also a victim of the XXXX BREACH.
I have received repeated calls from  Trans World Systems, the  last call was received on  XXXX / XXXX / 2017  at  XXXX  from  XXXX . During this as well as previous calls, I have requested for them to send a bill. I never received a bill from the original creditor,  XXXX   XXXX   XXXX   XXXX , and received  XXXX   notice from Trans w orld several years ago. When I received the only collection notice I got, I attempted to go to their website to pay the bill, but it would not allow me to pay, it stated the account was closed. I have since begun receiving calls again, and they have yet to send a bill, statement, or anything. I have verified my address, and nothing. They are insistent that I pay the bill over the phone, but I will not do so without receiving something in writing, especially considering the scam reviews this company has received from other customers. They have also submitted this account under  XXXX  different business offices to credit agencies ... ..the same account!! My credit is being ruined for {$590.00}, I am being harassed, and they ca n't even provide documentation that I owe a debt.
I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services
According to the Florida department of financial regulations XXXX is not license to collect in Florida. In XXXX of 2017 They were added to my credit report for a balance of XXXX
Before all my accounts where absorbed by XXXX, they were deferred, so its Impossible that there was a late payment on XXXX 2015. Most likely what happened is that because of the big change from XXXX XXXX XXXX XXXX XXXX XXXX to XXXX exactly around that time, my information kept being published from the old lending office in charge. Well, my accounts had been deferred pretty much since I graduated, now its showing that I mysteriously had a late payment on XX/XX/XXXX for 90 days when until XX/XX/XXXX everything in good standing as well as XX/XX/XXXX and so on, this just makes no sense at all. 
Please remove late payment reporting on all of my student loans accounts, its hurting my credit report / score, also my life very bad. 

I just got married, have an XXXX XXXX old baby, got seriously affected with XXXX XXXX, and Im trying to live a Healthy credit life, I sincerely request you to help me with this, thank you very much! 
XXXX
Check N Go. Oy! Since my last visit ( years back ) everything has changed. In times past, you would receive cash on-the-spot and you would then leave them a check with the payback amount which they could then cash, thus paying off your loan. Not anymore! Now, instead of leaving them a check, they enter your full account info into their system ( essentially allowing them to access your account directly however and whenever they feel lke it ). 

The loan is also supplied differently. No cash. Instead, they give you a third-party debit card ( which I need like a hole in the head ), supposedly containing the amount of your loan. I took that card to XXXX banks that day and it was declined each time. I went back to the store in an absolute rage, telling them I wanted the contract torn up. Clerk took nearly fifteen minutes fussing around, only to tell me that there was some " defect '' with the card, etc., etc., and that she would issue a new one. Total time to get my cash that day was 3 hours. ( When you go to a bank with a debit card for cash withdrawal at a teller window and the card is declined, you CAN NOT legally return to that same bank the same day to " try again. '' ) But the worst part of all -- and this is why these people should be shut down IMMEDIATELY, is that they have another new shtick : Knowing the FTC is on to them, they are soliciting customers to write brief, positive letters IN-STORE to send to the FTC! Well, based on my PAST experiences, I was glad to do so. But this was asked of me during paper processing, before it was revealed that everything about their business procedure had changed. A bit like a hotel asking you to write a positive review at the check-in desk based on your past visits, and then you go to your room and discover the place has turned into a dump. Too late -- they 've already got your " glowing '' letter. What a disgrace! 

Most despicable people I 've ever dealt with.
The car was totaled XX/XX/2016. XXXX made a payment round about XXXX. Gap insurance mad another payment in XXXX for XXXX. I had the car for about 13 months the payment was XXXX a month the loan was for 5 years. They have received XXXX for this loan. They are still saying I owe XXXX for fees and late charges that should not have occurred once the insurance company paid on the vehicle. This is excessive and overpricing. It 's also reporting to the credit bureaus that I owe XXXX but they are telling me I have to pay XXXX to pay it off.
Yes, I know I owe Tower Loan in XXXX XXXX XXXX I must say they are so very rude and very disrespectful over there, it hurt my feelings so bad that they treat people and talk to people any kind of way, I was trying my best to do what I could do to pay them the best way I knew how, I 'm not able to pay {$120.00} a month right now, I was able to do until my husband took sick with a condition of XXXX and XXXX XXXX and I was trying to explain to this guy over there whose name is XXXX, he said he did n't care to hear about my husband sickness, and to top it off, I 'm XXXX myself I 'm suffering from XXXX and depressing I do n't have time for all that rudeness toward me I would like for them to treat me the way I treat them and that 's with respect, I took {$50.00} dollars in their to show them I 'm trying my best to pay them I not trying to run from them they would n't take it so if your trying what more can I do besides get me a lawyer cause I ca n't be dealing with all this Disrespecting Me, they need to shut every Tower Loan down!!!!!!!
Company Name : Protect My ID for XXXX members managed by Experian On XXXX XXXX, XXXX I received a email stating that my account with Protect My ID would automatically renew on XXXX XXXX, XXXX and my credit card would be charged {$89.00}. XXXX There is no way to remove your credit card information on the web site XXXX. 
After reviewing the cancellation policy on their web page I tried to contact their XXXX customer service telephone line to cancel my account. I gave up after waiting for XXXX hour and XXXX minutes. 
On XXXX XXXX, XXXX I again called the customer phone line an again gave up after waiting XXXX hour and XXXX minutes. 
As stated in their terms and conditions I then sent an email to their customer support email address. The following day they responded, against they 're stated policy in their terms and conditions, that they could not handle my request via email and I would have to call the customer service phone number. I waited until XXXX XXXX, XXXX and tried to call again. This time I was on hold for XXXX hours and XXXX minutes before I gave up. 
I have followed their terms and conditions and now have sent a certified mail letter that has been notarized to the address provided. 
This company is a scam. There is no customer service provided. I have received nothing at all from them during my year of membership. If I wanted a credit report or my XXXX score, I had to pay extra, above my yearly membership, for them. No notice of credit card, loan, or bank account activity has been received through the year either. 
If they go ahead and charge my credit card I will dispute the charge through my bank. 
From they 're web page : Cancellation : You may cancel at any time during your membership. To cancel your membership please contact us and ( i ) provide your first name and last name, XXXX ii XXXX the email address associated with the account you would like to cancel ; and XXXX iii XXXX the customer number associated with the account you would like to cancel. You may contact us in the following ways : Phone : XXXX Mail : ProtectMyID, Attn : Customer Care, XXXX. Box XXXX, XXXX, CA XXXX Email : support @ protectmyid.com This address provided is different XXXX they 're customer service address with is : MAIL : ProtectMyID.com XXXX : Customer Care XXXX XXXX XXXX XXXX, TX XXXX
After reviewing my credit file I noticed some inaccurate data reporting. I reached out to all three credit BUREAS to request validation of the debt with XXXX XXXX, under the FDCPA and FCRA sec 609. One of the bureaus removed the item and the other two have continuously reported the data without proving any verifiable proof other that the Creditor verified the data. I also sent proof of the deletion results from XXXX  showing the investigation was done and the information was incorrect, incomplete or unverifiable. The Credit BUREUS are  required to notify all other credit reporting agencies of their results.
On XX/XX/XXXX I ordered my credit report and I had no inquires on my report, and today I looked on my report and found that all previous inquires are back on my report and that made my score drop
I have a  VISA Signature  credit card issued b  y Citibank.
I have enrolled for automatic payments of the minimum a  mount due to avoid late payment fees.     I usually pay the last statement balance to avoid interest charges.     The problem I am going to describe below is documented in a PDF file that contains a screen shot of the payments webpage of  Citibank  containing the pertinent information.     Yesterday,   XXXX   XXXX    2017 I lo gged in to the  Citi Visa w ebsite to pay my last statement balance. The webpage showed the minimum due, and the additional payment  ( {$1800.00} )  that had to be made to pay the statement balance  ( {$1800.00} ) . I submitted this additional payment, and the page showed " Remaining  Statement Balance Du e  XXXX - XXXX -2  017  {$0.00} ".      HOWEVER, JUST MINUTES LATER THE PAYMENTS PAGE ONLY ACCOUNTED PAYMENTS FOR {$1800.00}, WHICH TRIGGERS AN INTEREST CHARGE FOR PURCHASES.     I reported the problem at least 3  times ( and spent a substantial amount of time doing it ), and the agents always say that system shows that the minimum payment was not paid, which contradicts Citibank Visa own web page ( as you can verify in the above mentioned PDF ).      At the very least this is a software defect, and potentially it is a ploy to charge interest on purchases with the justification that the balance due was not paid
I submitted a Borrower Assistance Application onXX/XX/XXXX.. I also told my single point of contact ( POC ) that i meet the eligibility criteria for one of Keep Your Home California Programs ( MRAP - Mortgage Reinstatement Assistance Program ) and all I need from Rushmore was the mortgage statement and modification. Her response to me was " If you do not qualify for the modification, will they still help you to get current ''. It appeared to me that she already knew that they would not approve me for a modification and that they were just buying time as we got closer to the foreclosure date of XX/XX/XXXX. She then told me that i will know if my application is complete in three ( 3 ) weeks and at that time i will get a decision. Three weeks will be XX/XX/XXXX and only Two weeks away from the foreclosure date. If the decision is negative, i do not have enough time to appeal it before the foreclosure date. 
The staff at Rushmore ( POC 's and Supervisors ) are notorious for misguiding customers on the modification process. They play by the rules by their calendar and are eager to have your home go to foreclosure. 

They do not like to work with other mortgage assistance programs such as Keep Your Home California. 

Rushmore is violating my home owner bill of rights and i 'm kindly requesting you to look into this matter. 

Please look at complaints of several other unhappy customers : https : //www.checkbca.org/report/rushmore-loan-management-services-llc-100102203/XXXX XXXX XXXX XXXX XXXX Thank you
I was late with paying my electric bill XX/XX/XXXX. I made arrangements in XX/XX/XXXX to get it paid. The electric company, XXXX XXXX, immediately came back and said I was late on {$80.00}, when a ) I was n't, and b ) it 's been paid for, yet the credit report does n't reflect that.
XX/XX/XXXX my rent was stolen from XXXX XXXX XXXX XXXX in XXXX WA. I called XXXX XXXX to have my money order traced and alerted them it was stolen. I received paperwork from them to file a case, XXXX, for a stolen and forged money order on XX/XX/XXXX. They money order is for {$810.00}. The apt mgr, XXXX, filed a police report and that case number is XXXX. I was could take 90 to 120  days. I called XXXX XXXX in XX/XX/XXXX and spoke with XXXX and was told to call back XX/XX/XXXX. I called XXXX XXXX XX/XX/XXXX and XXXX said they had not heard back and refiled my complaint with bank that cashed check. I called back XX/XX/XXXX and XXXX told me to call back XX/XX/XXXX. I called back XX/XX/XXXX and XXXX said they had not heard back from bank and refiled complaint with bank. I called XX/XX/XXXX and XXXX said they had heard nothing from bank so I filed complaint with WA State Atty office XX/XX/XXXX. The file is XXXX and contact was XXXX XXXX. They were unable to get response from TD bank either and referred me to you.
I graduated in XXXX ( need I say more? ) and have been working sporadically and for minimum wage until recently, so haven't been able to afford the almost $ 500 monthly student loan payment. 

I kept in contact with Nelnet, who recommended deferring. I trusted them ( they are the professionals, right? ) and have accordingly been deferring until XXXX. 

I recently reported a new job, higher income, but still concerned about the XXXX XXXX monthly payment I asked if it could be lowered. They suggested income based. 

I applied and was approved. But they still had me in deferment. I sent numerous emails, nothing. And I've been requesting written communications, as I like to keep records and my cell isn't reliable. They ignore most of the time. What happens when I add - if you don't contact me asap I'll file a complaint - guess how quickly they get back to me? The next day. 

I finally called as I was tired of being ignored and was told - oops, let me correct that. Seems like it was supposed to be in IBR, but was not. I told the rep multiple times ( and also in the past 6 months of communications! ) that I don't want any fees to impact my credit report. 

This is because they reported an increase in my loan amount a couple months prior, and my credit score dropped XXXX points! All my hard work trying to rebuild ... 

When the rep told me she would fix the problem, I asked her - " how do I know if you guys are going to report an increase again? '' She said " not to worry, that wouldn't happen, and that I was fine. '' Wow, so not true! 

My income based repayment now shows a zero payment until next year. So great, I figure I can make small payments until I make more money. Will finally get ahead a bit. I've now made $ 500+ payments to my 18? I think it is, accounts in the past 6 weeks or so. 

I just checked my credit report and an increase in the accounts was reported! I'm sooo upset. 

How do I know when Nelnet is going to report to the credit agencies? Why am I not given the chance to pay any increases vs. their reporting the increase? I've asked them these questions at least 4 times, and no answer. Seriously? 

This is the last email I sent them - " WHY AM I STILL BEING IGNORED? I GUESS I WILL LOOK INTO WHO TO COMPLAIN TO NOW. I'VE EMAILED YOU 4 TIMES IN THE PAST COUPLE OF WEEKS AND NO RESPONSE. I JUST LOOKED AT MY CREDIT REPORT AND IT WAS IMPACTED DUE TO AN INCREASE IN FEES. I'VE BEEN EMAILING YOU TIME AND TIME AGAIN TO PREVENT THIS FROM HAPPENING. I'M MAKING PAYMENTS TO AVOID FEES AND WAS STILL HIT. I GUESS I HAVE TO PAY THE FEES ON EVERY SINGLE ONE OF THE 17 OR 18 ACCOUNTS? DO THE FEES HIT EVERY MONTH? IS ANYONE GOING TO ANSWER MY QUESTIONS? IS IT BECAUSE I WANT A WRITTEN RESPONSE? '' Of course they called, and didn't leave a message. 

Hoping by my finally lodging formal complaints the madness will stop. After researching, looks like there are many other people in the same boat, being treated the same way. I will be filing a complaint with the XXXX, as well.
I would like to request the assistance with an issue I have with Round Point Mortgage Service which is servicing my XXXX backed home loan. In XXXX I refinanced my XXXX Home Loan with XXXX which then handed the loan off to XXXX and now Round Point Mortgage Service. Due to a unrelated issue in XXXX I filed Chapter XXXX Bankruptcy due to a divorce however, I did not file against my home and continued to pay monthly mortgage payments as scheduled. I went through the Chapter XXXX repaying all unsecured creditors and satisfied all of the US Bankruptcy Court requirements. The issue came after I completed the Bankruptcy. I contacted Round Point Mortgage Service in reference to my mortgage which took several weeks to get Round Point to remove me from Bankruptcy status at which time they claimed I was 4 months behind on my payments from the beginning of XXXX. I then received a certified letter from Round Point stating that if I did not pay the four months of payments by XXXX XXXX they would began foreclosure procedures. I have contacted Round Point numerous times in attempt to resolve this issue. I have sent them 26 months of Credit Union Statement, Payment History 's from previous mortgage services companies and court documents. My attorney has sent signed documents from XXXX XXXX attorney certifying my mortgage is in good standing. Round Point has still failed to resolve this issue, they have lied about speaking to my attorney and give a different excuse each time I speak to them. I am seriously concerned about losing my home, my federal employment and XXXX benefits due to this issue. I am in hope you can offer assist to me in getting a resolution to this issue I can provide all of my supporting documentation to support fact that I am " NOT '' in default on my mortgage.