WillisBack/dataset-financial-user-claim huggingface dataset:
Midland Funding is reporting inaccurate information on my credit file. They are reporting a very old debt from XXXX that is over 7 years old and past the statute of limitations.. Yet on the credit reporting they have wrong dates and they are showing I made a payment in 2015. That is absolutely erroneous. The debt is past the statute of limitations and them continuing to update false information on my report is a violation of the FCRA. I have contacted my attorney as well.
I submitted a dispute against XXXX XXXX to all 3 credit reporting agencies. XXXX XXXX advised Experian to DELETE XXXX XXXX account from my credit report. Experian has deleted all information about my XXXX XXXX account as if the past 5 years of excellent credit with them did not exist. XXXX XXXX does not have the right to have any information deleted from my credit report!!! And the credit reporting entity should not have deleted information without consulting me first.
Back in XXXX XXXX, I contacted LexisNexis to place a security freeze on consumer file and suppress consumer file. I applied for an apartment which uses XXXX screening. I requested from them a copy of my Report/File Copy of the information they had for me. When the sent me my information it stated that information was furnished to them via LexisNexis. I never gave authorization nor gave them permission to remove security freeze or unsuppress my consumer file. They have clearly violated my trust and right as a consumer. The have also violated several sections and articles of the FCRA. I have already contacted my attorney about this. The info they provided is info that is not to be disclosed to anyone without my written permission which was not given. I even have the letter with the pin they sent that stated that it was frozen and suppressed.
I have advised Midland Credit Management twice ( orally ) to stop calling my job phone on XXXX they called my job phone alone XXXX times. I 'm can not to take personal phone calls at work and this can cause up to termination
I had a credit card with them for the longest time. When I tried to use my card end of last year, I had all sorts of issues. They kept declining my transactions. I'd call in then it would get cleared. I wasted so much time with this. I probably went through 5-6 times on this. Finally, this issue seems to be resolved but I had alot of issues with it. I feel fair compensation is in order. 

Also, when I used my rewards, I had to cancel XXXX nights. The hotel manager promised me that my rewards will be reissued but I have no gotten those reissued yet. They were XXXX pts per night at a hotel in XXXX XXXX, XXXX. I booked XXXX nights but had to cancel XXXX nights.
This complaint pertains to illegal business practices employed by PrimeLending ( XXXX XXXX ). 

They service my primary residence mortgage. 

As a result of hurricane Irma, I was granted a 3-month disaster forbearance payment deferment, which covers the months of XXXX, XXXX and XX/XX/XXXX, with regular payment resuming on XX/XX/XXXX. 

Despite my loan being put on hold, I get assaulted by daily calls, emails and default letters. I called PrimeLending several times and tried to explain that I am not supposed to make ANY payments until XX/XX/XXXX - which they have acknowledged every time while promising to end the illegal debt collection efforts. 
Despite their promises, I keep getting hit with collections calls, default letters and emails. 
The explanation I was given was " our system is outdated '' and can not stop sending those notifications despite me being on a forbearance plan. 

I plan on filling complaints with BBB and all other agencies and cousumer protection and advocacies entities to make this stop.
XXXX is the rental management company for the apartment complex XXXX that i signed a 1 year lease with and set up auto debit for rent payments. they served me with a 3 day notice to vacate due to non payment. after i proved they had debited my account for the rent the property manager XXXX called me and insulted me and called me names and let me know i was n't welcomed there anymore. so i moved out due to a tremendous amount of XXXX and anxiety they caused me.now they are charging me for the amount of time it took them to rerent the apt.they reported me to the collection agency ncc business service in XXXX fl
I applied for the XXXX XXXX XXXX XXXX XXXX XXXX card from US Bank in XXXX 2015. One of the main reasons I signed up for the card was for the Bonus Award Nights program, which was prominently featured in the advertising on their website at the time, and which I felt justified the {$75.00} annual fee on the card. Shortly after applying for and receiving the card, US Bank informed me that the Bonus Award Night benefit was going away at the end of XXXX 2015, less than one month after they charged me the annual fee and less than two months after I signed up for the card based on the availability of this benefit.
Navient has failed to update my student loan record resulting in late payments showing on my XXXX, XXXX, and XXXX report. This has cause my credit score to drop. I would like for the late payments reported to the credit bureaus to be removed.
In XXXX i called trying to work something out on a charge-off account, the rep was very blunt to the point and no care with helping me. In XXXX, my mother called as a " co '' on the account, and they tried to get more money out of her through the negotiation process as seeming to be deceitful and ill- intentioned. I 've called a few times after, and when i address the issue, I 'm placed on a ridiculously long hold. Today i finally got a rep on the phone, and he was more interested in capitalizing on the situation of me wanting to resolve the debt with him, than getting me to a supervisor. It seems as if they are a collection agency chop-shop, instead of a professional collection office. I have a family member that actually worked at the company previous and told me that ALL representatives could have been a lot more reasonable.
In XXXX of this year I asked Navient, my student loan company, to change the due date from the beginning of the month to the XXXX of each month because it would make it easier for me to make the payments. As a result of this simple request, to which they had agreed on, I have had nothing but problems with my monthly payments. First, instead of changing the dates they put my loans into forbearance without my authorization. I found out about this the next month when i saw my statement showing the total loan amount increased instead of going down despite the extra payments they had ask me to make. They kept billing me different amount for the next XXXX month telling me I have a past due amount. After having talked a dozen times to different representatives and several supervise who kept telling me the problem was resolved, I was told that I had overpaid XXXX loan ( i have XXXX loans with them ) and that they had applied all the finds to XXXX single loan instead of dispersing it evenly among all the XXXX loans. Once again they told me it is resolved and I should wait two days and the record in the computer would update and it never did and they keep billing me different amounts, they are constantly calling me that i owe money and my payments are past due and this is been going on since XXXX of this year. At this point i do n't know what to do or who to call to get this situation fixed so that I can make my monthly payments the way that I have for the past several years, but unfortunately no one knows what they are doing and every time they tell me the exact same thing that it is taken care of and that I should wait two days for the computer to update and two days later I get calls again and the same things repeats. Please, this is a desperate call for help. Thank you.
I have the XXXX XXXX XXXXt card I have been paying. I noticed today that every month I've been being charged ridiculous fees for " Card Security '' for which I have not signed up or have been notified that I was being charged. I use automatic payments and have not realized I have been charged hundreds of dollars within the past year. Within the past 3 months, I've been charged {$50.00}. Other months charged me over {$40.00} for a single month. It is absolutely ridiculous.
I have previously disputed this item and asked for verifiable proof and company has failed to provide of debt. The name of the company is  XXXX   XXXX   XXXX     2017  in the amoint of {$150.00}. Can you please help me to validate this debt.
CASE # XXXX My account number is XXXX XXXX XXXX XXXX ( this account was closed and I was issued a new card ) My English is terrible, and would therefore try my best. 

on approx XXXX or XXXX I was charged {$12000.00} and I called in few month later explaining that I never received the merchandise " I DID NOT DISPUTE IT AS FRAUD '' I was nicely given a refund and all was good. 

Then approx XXXX the refund was reversed and I got a letter stating that it's because I gave the merchant access to my card. 
" OF COURSE I GAVE THEM ACCESS, HOW ELSE WOULD THEY BE ABLE TO CHARGE ME, THE FACT THAT THEY DID NOT DELIVER IS WHAT BANK OF AMERICA SAID THEY WILL COVER ME '' So I was given a list of paperwork to email or mail in and then I was given a fax number where to faxes, I faxed in all requested documents. I then received a direct phone number and I direct representative to deal with. However, every time I called and they played games with me and they told me that has to be escalated and this is not acceptable in anyway I have proof from every angle which I will not release on this's first attempt to resolve it periods shows Bank of America come back with excuses which is they're deceptive lies and corruption I will prove to them all my resources I have. Including and mainly the merchant admitting to me that he refunded it but did not have phones in his account on the refund and therefore it did not go through and in fact he even apologizes to me for filing through. In the meantime I was promised I will not have to pay interest until he finishes on the investigation that didn't a hold true for several months the last three months I didn't pay a lot of money for something I did not receive and I dated a lot of interest and I beg of the consumer financial protection bureau to help me get all my money back. I will attach to this complain the letter which I send to Bank of America I will also attach Bank of America 's letter lying to me and telling me they can not revise the revised phone of course I gave them access to my account. And it's so stupid because every time you do a purchase you give access to XXXX but I have protection that if I don't receive what I paid for a Bank of America you'll take responsibility.
After repeated requests not to do this because my U.S.P.S. mail is not secure, Equifax, sent me a credit file :  XXXX   XXXX ,  2017  ; Confirmation :  XXXX  with ALL my private information fully exposed : name, social security, date of birth and home address. I complained about this issue but Equifax seemed to care less, therefore, I am forced to complain to CFPB to make sure it never happens again. This is a very serious issue when every major financial institution know otherwise including   XXXX   and  XXXX , Equifax does the exact opposite. This kind of reckless behavior is why financial c rimes against U.S. consumers are on the uptick.
I have contacted Equifax and disputed this false account with Equifax several times and this account is still on my credit report. Equifax is reporting I opened an account with XXXX XXXX ( which we all know is a junk buying/old scam company ). I never signed any agreements with this account. XXXX XXXX has created fake documents to include a fake account number and a fake balance. I would like for this account to be removed from my credit report asap Equifax.
I have filed dispute for the partial charge with my Citi credit card. 

When I filed dispute with Citicard I offered supporting documentation but Citibank rep refused to take it and advised me that Citi would notify me if needed : I believe Citi does that on purpose to easily deny consumers disputes. 

Citi is violating user agreement as they pledge to help consumers to fight fraud : Citi Executive rep XXXX XXXX response from XX/XX/2018 applied facts improperly and demonstrated that Citi is unwilling to detect and fight fraud : 1. XXXX XXXX is incompetent as she is only taking into consideration merchant 's false response : " TV 's were inspected, nothing was returned. '' XXXX XXXX did not bother herself with reading and investigating my complaint : Facts : 2. One TV was left behind and merchant confirmed that fact in writing to Citibank 3. On XX/XX/XXXX when merchant state I picked the remaining TV I was in State of WI, see attached proof : my credit card statements 4. Pick up signature on merchant 's receipt is not my signature, see my signature attached 5. XXXX toll info record I left State of Fl on, she simply cited merchants false response while I am stating that I was not in FL on XX/XX/XXXX to pick up 1 TV merchant stated that I picked up TV on XX/XX/XXXX, while I was in WI, see my credit card statement also my signature is forged. 

Citibank ignoring the fact that I left behind 1 item. 

Citibank must investigate fraudulent activities and comply with the user agreement.
My mortgage was transferred from XXXX XXXX XXXX to Shellpoint Mortgage approximately 8 months ago. I have had nothing but trouble since. I just mailed my final payment to payoff my mortgage ( including XXXX late fee and XXXX " door knock '' fee that was listed on payoff letter ). They received the payment on XX/XX/XXXX. And even though the check cleared the bank they still have not applied my payment OR returned the XXXX dollars overage that is in our escrow account. This company is a NIGHTMARE and account should NEVER be turned over to them!!
i deposited XXXX dollars in CASH in the account on Saturday XX/XX/XXXX at XXXX at XXXX MD XXXX The ATM machine took the money and printed out a slip but it said incomplete transaction No funds appeared on the account I called immediately and they told me that they see the deposit but there seems to be an error but it will be sorted I told them that I DO NOT HAVE THE MONEY to WAIT for 10 days because I need the money for my BILLS and my GROCERIES I have an infant at home who needs MILK I deposited CASH not a check They said it will be resolved soon Monday morning I asked my wife to call on behalf of me she is an authorized person on the account She has an account with PNC as well, she recommended PNC to me She has called on behalf of me several times Today when she called after 25 minutes the rep told her they can see it they dont know what happened My wife explained we need the cash but transferred to an incredibly rude woman named XXXX XXXX who said we dont know who we are talking to to my wife although we gave her all the information and I have authorized on the account She then was rudely refusing to help us and provoking us because we are already upset that PNC took cash telling me come to the bank I DO NOT HAVE THE CASH TO COME TO THE BANK I could not go to work today because I do not have the cash I just want my cash back XXXX put us on hold for 50 minutes and changed the subject from THE MONEY PNC TOOK to my identity being questionable I called again and spoke to a man named XXXX who avoided giving me his name and after 10 minutes he did the same thing. The bank keeps telling me this is the prosedure when a dispute is filed. I work day and night to earn money and feed my family. I deposited CASH. am i supposed to tell my infant that she cant have formula because pnc has a prosedure? the service my wife and I for from the bank is appaling. I think they probably think we are poor people so we dont deserve to be treated with respect. I earn every penny I get. My wife is pregnant and in school while taking care of the baby because we are working to make a better life for our family. It maybe a small amount for pnc but that was grocery money for us.
Equifax has deleted all the accounts below that should be on my credit report. 

CREDIT CARDS XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$0.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$0.00} XXXX XXXX Last reported : XX/XX/XXXX + {$0.00} XXXX XXXX XXXX Closed : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX XXXX  Closed : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$52000.00} Good
Advantage One Credit LLC has disappearedXX/XX/XXXX I have paid off my title loan I took out in XX/XX/XXXXand they have NOT released my lien on my car. They have athe original phone number disconnected and I have tried all numbers. Until last SundayXX/XX/XXXX I looked up the website there is a new 888 number but I have called over and over no answer or call back however the out going message has changed twice. I have emailed multiple times as well. XXXX XXXX XXXX XXXX XXXX XXXX of Oklahoma will not give me any information except a lawyers number who says she cant help me or any of the many people calling her. She did mention that she would let the new lender know and she told them to put a new number on the website. So she knows more then she is sharing. Yet still no contact from anyone. I have found multiple articles that they do not hold a licence in many states including Washington XXXX XXXX XXXX-not-licensed-washington-state I have information I will gladly give you with more details. They were unprofessional and not currant with any of the statements. I agreed to pay more just to close the account sending in a extra {$200.00} because they stated WE FEEL LIKE YOU NEED TO PAY MORE ..I have never heard of a company that said that They FEEL? AT this point I am going to the next level including the press I have started several complaints including FTC & DMV Please help me Thank you a very frustrated consumer
The credit card company erroneously charged me interest on my account, after the account was paid in full, did n't provide notice of the interest so kept charging more minimum interest. After 30 days past due, they sent me an email, so I immediately submitted payment. 

1 ) New credit card, with a new charge on XXXX/XXXX/16 in the amount of {$200.00}. 
2 ) Payment cycle is on the XXXX of the month, so this payment was due XXXX/XXXX/16. 
3 ) I forgot payment right away so they charged my {$25.00} late fee, which I was fine with. 
4 ) Once I received notice that this was late I submitted payment for the full balance owed of {$230.00}. That payment posted on XXXX/XXXX/16, according to their website. So, on XXXX/XXXX/16 I had a {$0.00} balance. 
5 ) It looks like on XXXX/XXXX/16 they charged a {$4.00} interest fee. I dispute this fee since I had paid my CC balance in full, which was posted on XXXX/XXXX/16, a day before the cycle ends. 
6 ) I did not receive notice of this {$4.00} interest charge so was under the impression my account was paid in full. 
7 ) On XXXX/XXXX/16, they charged me a minimum interest payment of {$2.00}. Again, I was unaware of this transaction since I thought my account was paid in full and did not receive notice. 
8 ) On XXXX/XXXX/16, they again charged me a minimum interest payment of {$2.00}. Again, I was unaware of this transaction since I thought my account was paid in full and did not receive notice. 
9 ) On XXXX/XXXX/16 I receive an email from XXXX XXXX informing me that my account is past due. I was confused, but worried about my credit score I immediately logged in and submitted payment for the full balance. 
10 ) On XXXX/XXXX/16, I started receiving notice from Credit monitoring companies of the late payment they reported. To my knowledge, they have reported 60+ days late to XXXX and 30+ late to Transunion. I am unsure of XXXX since I do not subscribe to them, but if so I would like that record to be fixed as well, please. 
11 ) On XXXX/XXXX/16, my payment posted for the {$8.00} of interest that they charged me on XXXX/XXXX/16, XXXX/XXXX/16, and XXXX/XXXX/16. 
12 ) I am requesting reimbursement of all erroneous interest charges. I dispute the XXXX/XXXX/16 charge since my account was paid in full by the time the XXXX/XXXX/16 interest was assessed. I dispute the XXXX and XXXX interest charges since they were the result of the erroneous XXXX/XXXX/16 interest being charged. 
13 ) I am also requesting all erroneous reports to the credit bureaus to be fixed. My credit score has gone down XXXX points as a result of these erroneous reports. 
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This account was open in 2010 and was paid in full, still shows in my credit report as a negative impact and i am trying to remove from my credit report.
Issue revolves around Equifax refusing to remove a disputed account which originated with  XXXX  in   XXXX  . It has been reported by numerous collection agencies in the years since and has always been disputed, every time, and removed from every CRA because the debt was not valid. Suddenly, even though previously removed by Equifax, Equifax now claims that the debt is valid and claims to have " validated '' the debt twice, even though it has been disputed and ruled to be invalid by all three CRA 's for the pas t five years.
In about XXXX my XXXX XXXX XXXX XXXX broke down. The dealer examined the car and said it was the engine. I informed XXXX corporate and they refused to repair it because it was XXXX miles out of warranty. I provided XXXX with proof of proper maintenance to the car. I made every attempt to resolve this issue but XXXX refused to work with me. They offered to pay for 50 % of the repair. The problem with that is my balance on the loan was approximately {$19000.00}. To repair the vehicle would be {$13000.00}. One half of that is {$6500.00}, which makes the entire cost {$25000.00} for repair and the balance on the car. According to XXXX XXXX XXXX the car was only worth {$13000.00}. I left the car at the dealership and cancelled the contract. It did n't make financial sense to continue to pay for a car that I was n't driving. All correspondence is attached hereto. I 've since found out that XXXX did n't repair the car and resell it but instead is selling it to a salvage company for scrap metal. XXXX should have repaired it and resold it.
This agency is reporting a debit on my credit report without proper documentation to collect. The State of Texas requires an ACTIVE license or Surety Bond to Collect a Debt. or report a debt in the State of  Texas. Please delete this account from my reports
On XX/XX/XXXX two charges for XXXX purchases have been made fraudulently by unknown sources. I contacted XXXX about the incident and they said they would reverse the charges and investigate. They also told me to get in touch with XXXX Customer service, which I did. When I spoke with XXXX customer service, they did verify that I did not make these purchases and that the order was sent to someone in Michigan. ( I do n't know anyone in Michigan ) So  clearly someone stole my money and sent themselves some XXXX products without my permission. This has happened with my other bank as well, but they always come back and reversed the charges and I always had my refund back without an issue. XXXX reversed the charges on XX/XX/XXXX for both charges of : {$200.00} and {$160.00}. On XX/XX/XXXX, XXXX took my money out again and said their investigation said I made these purchases, WHICH I DID NOT. They said there was n't enough evidence for them to leave the funds alone. When I asked XXXX CUSTOMER SERVICE how I could get more proof since I DID NOT make this pruchase? The only proof I had was from XXXX CUSTOMER SERVICE saying that the package was shipped in MICHIGAN, not to MiNNESOTA. So long story short, XXXX took my money from a fraudulent activity on my account and they never returned it ... So I am out {$400.00} some dollars and I had to close my account because they could n't help me further..That 's how XXXX their bank is..So if you bank with them, and you get a fraud on your account, Do n't expect to get your money back from XXXX. They take your money regardless if it is a fraudulent activity or not. What do you do when there is no solution? Closing my account was the only thing I could think of. XXXX was HELPLESS. Do NOT bank with them.