WillisBack/dataset-financial-user-claim huggingface dataset:
Clarity Services has been giving, trading or sharing information on my credit report without my written consent as required by the 1974 Privscy Act. I tried to file a dispute with Clarity, but the website had no place to file a complaint. So, i am here to do so. I recieved a copy of my XXXX credit report on XXXX XXXX. I noticed there were XXXX inquiries on my credit report by Clarity and called the phone # listed. I got a message to leave a voicemail and someone would return my call. I did so, but nobody has reached out to me yet. Today i got my Experian credit teport and again XXXX inquiries not authorized by me. Thete are XXXX, by another company, XXXX from another company. Some one has to stop this. In todays world it seems we need a better way of credit reporting. And i for one think that we need to start from top and totally revamp what appears to be an outdated and corrupt system. I am fighting tooth and nail to get things off my credit report that are wrong, or left on for 6 yrs after they were told to take them off. Something needs to be done and fast.
After requesting each consumer bureau remove negative XXXX reporting off my credit report I directly contacting XXXX by phone XX/XX/XXXX, I was told by supervisor " XXXX '' in XXXX XXXX, MO.that XXXX will not remove the negative collection report off my credit report. I had always disputed the fact that although habitually delinquent due to XXXX/loss of income at the time I had always paid my account. I was too sick too fight the mega-giant, my account was closed in XXXX and with my XXXX settlement in XXXX I paid their collections. Now I was well enough to search my financial records, XX/XX/XXXX I made a written request to remove the false report and provided bank records demonstrating that I had indeed paid my account and was falsely sent into collections. This written request and evidence has been ignored. According to " XXXX '' at XXXX ( there was XXXX accounts under my old phone number when I called XXXX I never made a payment from XX/XX/XXXX and my account was closed and sent to collections.
Sent letter to collection agency to remove this account from my credit report because it does not belong to me.
I was forced to apply for and sign off on student loans that were not legal. Their tactics were incredibly aggressive going so far as to tell me " If you do n't sign this RIGHT NOW you ca n't go to school anymore. In fact, you ca n't even go back to class! You 'll have to leave right now from my office! '' Then I became XXXX and when I tried to have my loans discharged because of a XXXX, they denied it and said I still had to pay!
I was due a small refund from my Indiana state taxes and due did n't file for it due to the small amount involved. Apparently the Indiana State Department of Revenue put a black mark on my credit report indicating I had not paid my taxes, when actually they were paid in full on time. When I found out about this I went ahead and filed the tax return requesting my refund which the state then sent me. Now however, I ca n't get them to take the negative off of my credit report which incorrectly states I did n't pay them {$2700.00}. The money was taken out of my regular paychecks and was never overdue. I believe the State has now corrected their records to show this but still needs to remove the inaccurate negative information from my credit report. They did remove it from one credit agency but has declined to remove it from Experian. I think someone has made a mistake here and would be much obliged for any assistance in getting this straightened out. Thanks for any help.
I called Equifax today to see when my XXXX account is going to be deleted. When I called in XXXX I was told the account was going to be deleted in XXXX. Well, I gave them a call today and was told it would not come off until XXXX. I ask to speak to a supervisor and was disconnected. I gave the lady a call back number no one has returned my call. I tried to call back and was on hold then bounced around.
On XXXX XXXX, I bought a cell phone from XXXX using my capital one XXXX credit card. On XXXX XXXX, I got the XXXX XXXX phone, which is defective. I called XXXX XXXX times from XXXX XXXX to XXXX XXXX to return or exchange the phone, they promised to let me return or exchange the phone but did not give me the XXXX number which is a prerequisite for return or exchange. On the morning of XXXX XXXX I called Capital One to dispute the charge of {$79.00}, and Capital One refunded me the amount. After XXXX XXXX, XXXX sent me another phone which works and I returned to them the XXXX phone. After XXXX XXXX because the phone service on the second phone was cancelled due to the chargeback on the credit card, I called XXXX several times and told them I am happy with the second phone and requested to resume the service. They kept telling me they are not going to resume the phone service on the second phone due to the credit card chargeback. Before XXXX XXXX, their response might be reasonable because of the chargeback. However, things totally changed on XXXX XXXX, when XXXX rebilled my credit card and it showed up on my capital one account. On XXXX XXXX, I called XXXX, requesting to resume the phone service with them since they already rebilled {$79.00} to my credit card on XXXX XXXX. However, XXXX refused to resume the phone service for me. This is unreasonable, if you do not want me to use your service, why you rebill my account. Charging me {$79.00} and refusing to let me use their service is just wrong.
I would like to file a complaint against midland capital funding LLC for attempting to Sue me and Collect on an Old XXXX Debt, that they Purchased from XXXX XXXX in XXXX or XXXX, the account was opened in XXXX by me, and Midland Funding Bought The Charged Off Account in XXXX or XXXX, and they are in the process of suing me, at this Time. Louisiana XXXX states that after 3 years a company can not attempt to collect on this type of account. The Statue of Limitations has Expired.
I was billed {$1700.00} from Bank of America. I went on the mobile app and paid the bill using my XXXX Bank account. About a XXXX later I discovered that Bank of America tried to draft out of an old account I used to use, but have only used once in the past XXXX months. My old bank ( XXXX XXXX XXXX ) ran it XXXX and charged me {$60.00} in fees, in addition to Bank of America charging me a {$25.00} returned payment fee. I immediately contacted Bank of America and the representative told me that it was a mistake on their app and they would take care of it and I would see it fixed on my next statement. I paid for the bill that day out of the correct account and it did go through. A few weeks later when my statement came, it was not fixed, so I called Bank of America again and was told the same thing. Again, it was not fixed. I called Bank of America for a XXXX time and spoke with XXXX and superior of card financial services, XXXX who both told me that I would get refunded their {$25.00} fee, but not the {$60.00} they cost me from XXXX. I was told that even if it was their fault they were not authorized to fix it and that I should contact my financial institution myself. I contacted XXXX and was told by XXXX XXXX, who was ever so helpful, that in these kinds of circumstances, the institution who caused the problem would typically rectify it from their end, which is what I was originally told by Bank of America. I do n't understand why Bank of America, who could easily contact XXXX and fix this, would want to defraud me out of my {$60.00}. I would appreciate anything you could do to assist me in this matter.
I have had a mortgage with Citimortgage for the last several years. Subsequently, my home fell underwater, and subject to foreclosure. I tried several avenues of resolution with Citimortgage but to no avail, forcing me into bankruptcy in an effort to keep my home. I was made aware of a settlement based on a news report on XXXX somewhere around XX/XX/XXXX or XX/XX/XXXX. 
Upon the resolution of the Homeowners Settlement with the federal government naming Citimortgage as one of the defendants, Citimortgage transferred my mortgage to XXXX Mortgage A Division of XXXX XXXX. During my time with Citimortge I continued to try to work with Citimortgage asking about said settlement, and how I can apply for it. My Homeowners Support Specialist of Citimortgage was XXXX XXXX XXXX during this time. I also asked several times to have my mortgage refinanced, or some help with the modification that never lowered my principal. They awarded me a modification at one time, That significantly had me owing much more than what the home was worth, further increasing my debt, and severly sinking my mortgage underwater. On XXXX XXXX, XXXX, I obtained information regarding the settlement from the Consumer Protection & Anti-Trust Unit Department of Justice in Wisconsin outlining the requirements for eligibility and I found that I am eligible. 
I contacted Citi mortgage on XXXX/XXXX/XXXX and spoke with a XXXX, id. no. XXXX who stated she would not be able to give me any information with regard to the settlement because my mortgage is now with XXXX XXXX. I asked for a supervisor and after holding for XXXX minutes was told I could not speak with a supevisor, and that she spoke with a supervisor and the supervisor suggested I speak with XXXX XXXX. I asked, why would XXXX XXXX be concerned with Citimorgage 's settlement, they have nothing to do with it, and could I please speak with a supervisor. She stated I would not be able to speak with a supervisor because they do n't have my file and I should seek answers with XXXX Bank. Needless to say I called XXXX, who only referred me back to Citibank, stating they do n't have anythig to do with Citibanks/Citimortgage 's settlement, and Citi should have discussed this with me. After another round of calling Citibank and being thrown into a vicious cycle, it became clear that I was being handled improperly, and possibly a federal law had been broken. The help or assistance that was designed for people like me was in essence was denied me. My complaint is that Citibank/Citimortgage has and is denying me my right to that assistance and have cost me greatly in trying to keep my home.
It has been reported on my credit reports that I have an account with Capital One bank that is not my account. I received a letter from Capital One bank stating that they purchased the account from XXXX and that this is my account. I contacted Capital One Bank again today online and when asked to verify my birth date they stated that was not the birth date on my account. The reason is because this is not my account. I have previously had accounts with Capital One that have been paid ans closed. I never had an account with XXXX. This is not my account and I would like this information removed from my credit report asap.
I had recurring loads set up on my prepaid card account. 

On XXXX XXXX, I had a scheduled load for {$200.00}. I went to a restaurant and left a tip. 

I came home to find an email informing me that the ability to load my account had been terminated for no apparent reason ( the customer service reps refuse to tell me why either ). The {$200.00} scheduled load did not go through. 

The amount in the account was enough to cover my meal, but when the tip posted it left my account with a - {$2.00} balance. 

Since XXXX XXXX, I have attempted to pay the - {$2.00} balance multiple times including multiple phone conversations. Serve will not allow me to load my account but consistently sends me warning emails that my account has a negative balance. 

I want to be able to pay them their {$2.00}, but they wo n't let me.
Good afternoon, I am a veteran that used my VA Home Loan certificate to buy a home in XX/XX/XXXX. The address of the home is XXXX XXXX XXXX XXXX, XXXX, AL XXXX. In XXXX XXXX, my wife and I divorced ( see attached ). In the final judgment of the divorce, my ex-spouse got the house and I was ordered to pay the mortgage for 36 months or until the property is sold. Whichever came first. In XXXX XXXX, I filed a Quit Claim Deed with the county Tax Assessor removing my name from the deed. I sent a copy of these documents to the mortgage company informing them of this action. In XXXX XXXX, I sent a letter and other supporting documents to the mortgage company requesting that I be Released from Liability. This would give my ex-spouse the option to refinance the mortgage or sell the property. 
In XXXX XXXX after checking my credit report, I find out that the mortgage for the property at XXXX XXXX, XXXX, AL XXXX, is several months past due ( {$14000.00} ). I contact my ex-spouse, whom I have been paying {$1800.00} per month, per the court order to pay the mortgage, to find out what is going on and I am told by her that she is trying to refinance the mortgage. I contact OCWEN, the mortgage lender and I am told, since I filed papers with them to remove myself for the mortgage, I will need to contact the new mortgage company, XXXX XXXX. ( see attached ) What I would like answers to are these questions : 1. As the primary and the veteran whom certificate was used to finance the mortgage, regardless of if I requested release from liability ; why was n't I contacted once the mortgage became 30 days past due? 
2. Is the new mortgage company using my VA Certificate to refinance this mortgage? 
3. Why was n't the property foreclosed on instead of allowing the mortgage to become 6 months past due?
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. Is reporting on my credit report and I do not have an account with them. I called the number listed and tried to get information from the website. the phone numbers and website are both invalid.
In XXXX when I was charged a {$59.00} annual fee by Captial One they removed the fee and told me to call in every year to have the fee removed. This card is linked to a XXXX account and if I close it I will lose the 7 years of credit history. They removed the fee last year and told me to call in every year to have the fee removed. I called to have the fee removed and the customer representatives refused to do so. Captial One offers a {$0.00} annual fee account which I asked my account be switched to and was told they could not do so when I call last year. So following the advice of the reps last year here I am stuck with a {$59.00} fee that I should not have to pay.
In XX/XX/XXXX, I received my first statement from XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) stating my Title XXXX Federal Student Loan was going to be reported delinquent. As a result, I asked Federal Loan Servicer XXXX XXXX to consolidate the Title XXXX Federal Student Loan with my other student loans. On XX/XX/XXXX, my XXXX Title XXXX Federal Student Loan was consolidated to my other XXXX XXXX Federal Student Loans, which are frozen in Federal Unemployment Deferment, as noted in the attachment from XXXX XXXX. However, XXXX reported me as delinquent in XX/XX/XXXX. My XXXX Title XXXX Federal Student Loan is not delinquent in XX/XX/XXXX, since it was consolidated inXX/XX/XXXX.
In my annual escrow account statement, my servicer Freedom Mortgage claims that the maximum lowest balance of XXXX of annual disbursements is a required minimum. They correctly cite federal law saying the lowest balance should not exceed this amount, but then they change language and call it a required low balance. I believe they are using the imprimatur of federal law to coerce customers into paying more into escrow accounts so they may have use of this excess escrow reserve interest free. At no point in the coming year does my projected escrow balance fall below the amount needed for disbursements. I have requested to cancel my escrow account. But, I do believe the language of this statement is intentionally misleading and as such the CFPB should take action. 

Sincerely, XXXX XXXX XXXX XXXX, CA
I just speeded both of this with Equifax as well as XXXX   they're showing for folio management company that is still as I open collection amount with a XXXX balance I've requested them to remove it because it was paid in full and satisfied now they're telling me that the company responded back saying this company this is a correct amount and it will stay in your credit report if it's paid in full and no longer active it should no longer be reported on my credit to hurt my credit in order to obtain other items cuz it's showing as an open collection or if it shows other clothes collection is still needs to be removed from my collection credit report for both XXXX and Equifax
I had an account with XXXX in XXXX when I was stationed their in the XXXX. I got orders to come back to the states and sent a letter with my orders telling XXXX I have to cancel my account. 

A year later a debt collection agency called Orion Recovery told me I owe over XXXX dollars for unpaid phone bills from XXXX in XXXX. 

Orion has my cell contract, but my contract does n't say anything about a cancellation fee or something about giving a 90 day notice. 

I keep asking Orion Recovery to show me where it says I have to give a 90 day notice, but they wo n't and keep trying to scare me saying I owe them more and more money every day I do n't pay them. 

My XXXX XXXX XXXX building said that this collection sounds like a scam, because Orion says they have a contract with XXXX and they constantly do the same thing to service members over and over again. 

They wo n't reconize my evidence ( audio phone call recording with XXXX and pictures of the mail I have sent. ) I have shown them and they wont prove that I had to give XXXX a 90 day notice. 

I do n't know what to do in a situation where debt collectors are telling me unless I have proof of paying those 3 months I have to pay them and how much I owe them will keep increasing each day. 

I have n't ever taken anyone to court, I dont know how much lawyers cost. Am I stuck paying XXXX dollars to Orion Recovery because it might not be worth the court costs? 

I do n't think Orion will ever take no for an answer because they ignore a lot of information I send them like the XXXX XXXX XXXX act. I believe my contract falls under that category and they wo n't talk about it. Orion also tells me that it is unreasonable for them to contact XXXX for any more information because it is untimely. 

Whoever reads this I really hope you can help me out. I dont want to fork over XXXX bucks when I do n't feel I owe this. I did everything the right way. 

I do n't know what XXXX parties can get them to back down. Logically, my side is correct, I 'm just not very good at being a lawyer.
The mortgage company, in order to modify my current mortgage, refused to change items in the disclosure statement ( i.e. year of original loan origination, year home was built, remaining balance of original loan, name of applicant ) prior to electronically signing documents. Then I receive an email thanking me for signing the documents when I had not- even refused to- signed said documents. I contacted the agent XXXX XXXX XXXX XXXX via his direct line and the agent stated that he had sent the email in order to be proactive in getting the documents needed to finalize the loan process, providing that I sign the documents. He wanted the information in order to have it on hand when the underwriters asked for it. At the end of the conversation he also stated that the offer at the rate quoted would more than likely be no longer valid after the first business day of the month. I felt that he was attempting to coerce me into signing the documents prior to them being changed. I withdrew from any further actions concerning this matter.
I asked Experian to investigate the listed accounts on XX/XX/XXXX, my request was granted they immediately started to investigate all accounts listed. Two months passed before I received a update. On XX/XX/XXXX I received my updated credit report stating that XXXX out the XXXX accounts in question we 're deleted. I have uploaded the original request that started the investigation and the updated credit report. I called Experian a few days later because I had a few questions about my credit report and that 's when I was informed that the reason the accounts we 're deleted was because the creditors did not reply in a timely fashion. On that same call I was also informed that on XX/XX/XXXX the XXXX deleted accounts we 're added back because the creditors wrote requesting the accounts added back, even after the allowed time by law had passed. I think Experian broke the FCRA. Please advise.
On my account ending in XXXX, I have opted out for and and all courtesy overdraft protection options XXXX ATM & Everyday Transactions - Checks & All Other Transactions ). On XXXX/XXXX/2015 my available balance was {$31.00}. On XXXX/XXXX/2015 a payment in the amount of {$300.00} was posted ( POS AUTH XXXX XXXX Auto Finance XXXX ) I do not understand, if I have opted out of these services, why this payment was authorized. This also generated a NSF on my account in the amount of {$38.00}.
To whom it may concern : I have had a lot of problems with the XXXX XXXX XXXX of XXXX XXXX California. Attached are Affidavit ( s ) letters to the point of contact ( XXXX XXXX XXXX and her associates from the XXXX.. I had a family business during the recession of XXXX XXXX and the economy got the best of us, but I paid our tax lien of $ XXXX XXXX. 

The tax lien debt was tendered in XXXX and the XXXX from XXXX mailed me a tax payer copy, showing, and expressing a tax lien release filed by the XXXX of XXXX within XXXX XXXX and XXXX XXXX XXXX California. The XXXX also went after my son XXXX XXXX XXXX XXXX creating another account number to create another $ XXXX of owed debt by filing the same debt publicly under my son. I have letters expressing the confusing and I even gave instruction to the XXXX to following up with their Headquarters, but we somehow come back to the issue yet again. Please review all attachments. 


Thank you, XXXX
My problem is with XXXX, they claim they verified a false debt. I am also filing a complaint against the collection agency ( Complete Credit Solution of XXXX TX ). I have no information about the loan at all from something called XXXX, I have no account number, documents or anything. The amount listed with XXXX  is {$1500.00}, but I have never received any documentation from anyone.
Resurgent Capital Services is attempting to collect a debt for XXXX originally from XXXX that is not mine. I challenge that I owe this debt and request proof that I actually incurred this debt, not simply proof that a collection agency owns it. Furthermore, for this debt to hypothetically be mine, it would have been XXXX delinquent in XXXX 2008. This places the debt outside the XXXX year statute to be collected on, and past the XXXX year limit on being reportable to credit bureaus. Collecting or reporting in this debt is a violation of my consumer rights and the FCRA, as well as the FDCPA.
I had a XXXX XX/XX/2014. I was sent a copay in the mail that I forgot to pay until XXXX 2014, then I paid it. The bill was {$90.00}. Since then I have had a mark on my credit report for an unpaid bill of {$900.00} to Credit Control Corporation. This has been two years, I paid my bill and have had a lowered credit score and sent out to collection anyway. For two years this has lowered my credit score to XXXX, I need this resolved!
at this time they have to different collection companys reporting on a single account XXXX XXXX is reporting I owe XXXX to XXXX and XXXX XXXX is reporting to report I owe XXXX to XXXX I have disputed and they removed account now XXXX  is placed back with out 5 day re insert notice and another collection account is added for 1 single account that was unverified. 
certified mail track numberXXXX XXXX XXXX XXXX XXXX as they are aware you cant have to tradeline names reporting on a single collection account, that defimation of credit report and is unlawfull to low score, at this time I do entend to file suit on this matter you are in violation of the fcra.