WillisBack/dataset-financial-user-claim huggingface dataset:
was trying to utilize the free credit report for the 7 days and you are suppose to cancel within the 7 days and this company want your entire credit card number and they do n't want to look the account up with the member ID number which they assign to various accounts in order to know which account holder they are talking to on the phone XXXX and once you cancel the membership they are suppose to send you a cancelation number which they send to your email this company fails to honor there advertisement.
I have attempted to get debt validation from this company in XX/XX/2017 to no avail no validation was sent. I am filing this complaint after recently obtaining my credit reports from XXXX, XXXX, and XXXX. I believe the debt to be invalid and I am requesting and have requested in the past that this be rectified. I have yet to be provided with the following information : 1. Evidence of their authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2.What is their authorization of law for their collection of information? 3. What is their authorization of law for your collection of this alleged debt? 4. Provide evidence/proof of the alleged debt including specifically the alleged contract or other instrument bearing my signature.
My car payment was set up to automatically deduct from my bank account. It did this for 59 months. For the last month, it did not deduct the payment. They did not notify me of this, and if they sent me a statement, I must have tossed it as junk mail. 
Today I got a certified letter that the account was overdue and they were repossessing my car. 
I had to pay late fees & a payment by phone fee to pay the last payment that Nissan Motor Acceptance Corporation was supposed to have deducted from my checking account. And my otherwise perfect credit score now has a late payment thanks to Nissan.
My credit score dropped from XXXX to XXXX with XXXX  ( 62 points ) and XXXX to XXXX with Equifax ( 40 points ) in the matter of two days as a result of paying off a credit card account balance ( which was normally paid off on a monthly basis ) and closing that business credit card account for an entity that was being terminated. I was shocked, and contacted via telephone both XXXX and Equifax for an explanation of such a drastic decline. Both agencies could or would not supply an answer to my question. Both agencies transferred me to different departments for more information. Again, could not get an answer to my simple question of why, for closing an account that was no longer required, my credit score ( which effects even my insurance rates ) dropped so much. The answers where the same form both agencies, they said in essence : " many factors go into determining your credit score and we can not divulge how the score is determined. '' This answer is unacceptable. These agencies set benchmarks for banks, insurance companies, lenders, credit companies to determine what credit worthiness you deserve and your credit score determines what rate you may pay moving forward, even regarding car and house insurance rates. 

As a XXXX year old I've been eliminating my debts and the more I eliminate these credit agencies, with no accurate information on why accounts are closed are penalizing me. This is unacceptable and in a way discrimination against seniors who wish to not have outstanding debt. I have over a half million in bank accounts, and that does not include very positive home equity balance. But now I don't own a credit card ( have bank debit card ) and my credit score dropped like a rock.
I have contacted Trans Union, XXXX XXXX & XXXX each with separate letters describing all the information that is incorrect on each of my 3 individual credit reports. 

I sent the first set of letters over 70 days ago, to each of the bureaus, with no response. 

I sent a second set of letters over 31 days ago, again with no response. 

Showing in detail the Inquiries that are fraudulent, the accounts that do n't belong to me and addresses, phone # 's, and Names that are not mine. 

I also sent copies of my SS # My XXXX state ID, and a current household bill showing my Address. 

Despite each of the Credit reporting agencies placing a " Fraud Alert '' on my account, without me asking. They have not removed all the incorrect information, and they have not provided and signatures showing I have an account or a contract with the Companies in question. 

I feel this is a serious abuse of my legal rights and I am hoping to find some resolve with this complaint here and now. The following are all the misreported information on my 3 Credit Reports. 

The following are miss-reported and or 100 % inaccurate Inquires Alleged by XXXX ; XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX The following are miss-reported and or 100 % inaccurate Inquires Alleged by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following are miss-reported and or 100 % inaccurate Inquires Alleged by TRANSUNION ; XXXX XXXX/XXXX/XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX The following are miss-reported and or 100 % inaccurate Names Alleged by TRANSUNION ; XXXX XXXX XXXX The following are miss-reported and or 100 % inaccurate Phone # s Alleged by TRANSUNION ; ( XXXX ) XXXX, ( XXXX ) XXXX The following are miss-reported and or 100 % inaccurate Addresses Alleged by TRANSUNION ; XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX The following are miss-reported and or 100 % inaccurate Accounts Alleged by TRANSUNION ; XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX The following are miss-reported and or 100 % inaccurate Court Records Alleged by TransUnion ; XXXX XXXX court-XXXX  Bankruptcy XXXX/XXXX/XXXX The following are miss-reported and or 100 % inaccurate Court Records Alleged by XXXX XXXX XXXX XXXX court-XXXX  Bankruptcy XXXX/XXXX/XXXX
A refund check was issued by a Title company to refund my earnest money deposit on a home contract that fell through. They cut a check from XXXX XXXX, signed by two people, on a printed check. They are holding the check for 7 business days and refuse to release any funds, there are no reasons to suspect that this has any reason to be unpaid ( it is a refund of earnest money from an escrow account ), nor any overdraft history, the account has been in good standing for 18 years at the bank, and the check was for less than {$5000.00}. This violates the Expedited Funds Availability Act and the bank refuses to cooperate and expedite the clearance of the funds.
Have been getting charged outrageous apr fees ( 691.98 % ) which are illegal in the the state of Illinois. A {$700.00} loan costed me {$1900.00} so far. I read online that there are numerous complaints about this company. Also after reading the contract the box to make automatic debits from my account is not checked, so they have been making illegal debits from my account.
A debt collection consolidation company I contracted with back in XXXX last year must have asked for proof of debt from American Express 's debt collection agency, XXXX XXXX XXXX, on or around XXXX/XXXX/XXXX. The company I contracted with, XXXX, XXXX, never told me they were requesting this information so I was surprised when the XXXX & XXXX lb. package arrived at my door opened, contents spilling out. I believe XXXX XXXX XXXX deliberately sent the information to my home instead of XXXX to deliberately cause me financial harm and compromise my personal information. I have know way of knowing how many eyes had access to my credit history going back to XXXX. I will upload pictures of the packaging as received at my home.
Had borrowed money in 2004 and paid off shortly thereafter where a primary residence was used as security. The loan was paid in full but the title was never released. I have requested the Bank ( XXXX XXXX XXXX XXXX XXXXXXXX, XXXX GA ) to release the title and all I could get was a letter stating we owed no money. The home has been sold and I need the lien removed by the bank. 

Thank You, XXXX XXXX
I am having issues with my XXXX XXXX credit card. Earlier this year i had some fraud occur on the account and it lead to a late payment to my credit report in XX/XX/XXXX of 2017. I contacted XXXX and they sent me a letter stating that a request was sent to the credit bureau to have the 30 day late payment removed. It has not been removed and I have disputed with credit bureau and they state XXXX is not removing from bureau.
I also have another recent issue with them where apparently my mail is being returned to them from the post office so i did not receive my last statement and the account went 31 days late. I tried calling in to speak to someone on XX/XX/XXXX and the fees were credited due to the proof of the mail being returned but i am afraid they are going to do to me the same thing they did earlier this year. Neither of these issues are my fault and need to be token care of.
This is the second time this has happened to me with this company. I fell for the scam the first time. I was mailed a bill from Computer Credit , Inc. on behalf of a medical bill with XXXX XXXX. I paid the debt of {$84.00} and the check cleared my bank on XX/XX/2016. Computer Credit then sent me a repeat of that same bill on XX/XX/2016. This was sent 4 days after the check cleared. Not received but cleared. This company has done this before and I fell for the scam and was never reimbursed. This is no accident on their part. They will repeatedly re-bill as long as the victim keeps paying. A nice side effect is they ding your credit score while doing this.
I disputed an account that is not mine. I am not liable for this XXXX XXXX account. Once I received the response I then called and they simply said they ca n't do anything else. I should solve it with the credit card company. I beleive I should n't have to do this. In some form they should also protect my rights as a consumer. 

Thank you for any assistance in this matter.
I paid my credit card statement on the day it was due. The statement shows a due date of XXXX XXXX. There is no disclosure on my statement stating the payment is due before a certain time and time zone. I paid about XXXX CST only after I attempted to call twice and was on hold for long periods of time BEFORE XXXX CST to make a phone payment. I could n't get through, so therefore I went to pay online. by it was passed XXXX CST by a few minutes. The system would not allow me to pay on XXXX XXXX, and I was FORCED to schedule the payment for XXXX XXXX. This process incurred a late fee of {$25.00}. I have emailed them several times requesting them to waive the fee due to the issues I had trying to pay by phone. They have disregarded my request. I have explained to them that their statements do not disclose a " cut off : '' time. I specifically shows to pay by the due date. I am asking to have late fee removed and any interest that incurred due to the late fee.
I submit equity line applications through a branch in Wells Fargo. During the underwriter 's review, I was asked to prove that I have XXXX in liquid assets. I had explained to them that I have equity lines with another bank and can easily pull XXXX in cash, but they insist that I need that amount in cash. So they declined my applications. And I talked with another branch of Wells Fargo, I was told that I should be able to do withdrawing the applications, but the banker I worked with told me no. 
1. Requesting XXXX in cash for an equity line applications is unreasonable. If I had worked with another bank for an equity line application, they never had that kind of unreasonable request. If I had that amount in cash, why I would need the equity lines for? 
2. XXXX is not a small amount. If that could be a requirement for an approval, I need to be notified by that before I started the applications. Otherwise, I would have applied for something which is guaranteed not to be approved. 
3. I told the banker that I would not start the applications at all if I were told that I need XXXX in cash before they declined my applications. Why they declined my applications without asking me if I wanted to withdraw them?
Buckles & Buckles P.L.C., a debt collector, along with XXXX XXXX   continue to attempt to collect a fraudulent debt ( Buckles & Buckles File # XXXX ) which was the result of identity theft, despite being notified several times that this was a fraudulent debt, in willful violation of FCRA Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 6 ), and Section 615 ( f ). Additionally, Buckles & Buckles P.L.C., along with XXXX XXXX, continue to attempt ( albeit unsuccessfully ) reporting this debt to the major CRAs in violation of FCRA Section 605 ( b ).

I have notified both Buckles & Buckles P.L.C., and XXXX XXXX several times, beginning XX/XX/2017 via certified, registered mail, as well as e-mail that this debt is a result of proven identity theft. I have kept complete, and extensive documentation of these interactions. However, largely, I was ignored by both named entities, despite having return receipts from the United States Postal Service showing that my documents were signed for.

In the above mentioned documents, I have provided both Buckles & Buckles P.L.C., and XXXX XXXX multiple times, with the following : a police report, an FTC Identity Theft Affidavit/Report, a personal statement, notifying both Buckles & Buckles P.L.C. And XXXX XXXX that this debt is a result of identity theft, a copy of my credit reports with the account highlighted, a copy of my identification, a copy of the FCRA Notice to Furnishers of Information, as well as a copy of my accepted FCRA Section 605 ( b ) requests, and finally, a letter regarding my security deposit at my previous residence, proving that I had moved out more than a month before Buckles & Buckles, and XXXX XXXX claim I applied for, and opened the account.

Buckles & Buckles P.L.C., in conjunction with XXXX XXXX, have willfully violated the Fair Credit Reporting Act multiple times, and have completely ignored me, or provided me with generic information that any identity thief would have ( social security number, date of birth, mothers maiden name, and a previous address I no longer lived at ), each time I have been in contact with them.
Almost daily phone calls from Stellar Recovery for months now. All computer calls. 

I own my home, own my car, pay my credit card bill monthly, as well as utility bills, insurance, etc. 

I have a stellar credit rating, clean credit record, and owe money to no one. Obviously, this is unwarranted harassment.
I received a XX/XX/2017 XXXX from XXXX XXXX about an old credit card account I had. Since they cancelled the debt and I have to report it as earned income, the balance on all of my credit reports should be {$0.00}. I have tried disputing the amount with all three bureaus, and they keep saying that the amount has been verified. How can XXXX XXXX   cancel the debt and still say that balance is valid?
onXX/XX/2017. I received a statement saying that I had a refund coming to me. In the amount of {$450.00}. The refund was because Citi card had improperly charge too much money or interest on a product that would pay your credit card balance, in the event that I would get sick, hurt or lose my job. So some government oversight group made Citi refund back monies for that product. Due to what ever they did wrong? So after 2 months I never saw the refund check. I called Citi 4 times. 1 call was brief. And they would check on the status. They said I got the money and the check was cashed. I went to My bank and researched no money was processed. 3 other calls were made At Painful length. I got a copy of the check. It was not my signature..and I had not cashed it. I tried working with Citi for a Fraud or  illegal cashing of the check. I asked for the record of what bank cashed the check.. so I could start to figure this out. They Can't tell me who cashed it. 
I told them the endorsement of the check was not my signature, and that I still want the refund coming to me. 2 Times they sent me the check copy when I asked for resolve. So they keep going to step 1.. and their investigation team was going to look deeper for answers..And I have heard nothing. Now their in the news for charging a High Default rate for extended lengths of time.. I did make some late payments due to work issues.. So I may fall into that category as well. But one thing at a time. Very frustrating ...
Paper dated XXXX/XXXX/XXXX shows Chase did not pay my land taxes, although they took out the money, via my escrow account. The XXXX XXXX XXXX statement shows they paid the taxes the years they had the loan. I had to pay XXXX taxes myself, that 's when I found out Chase had not paid XXXX taxes either, this was about the time Chase sold my loan to XXXX XXXX. Now Chase will not reimburse the over XXXX dollars I wrote a check for on my XXXX taxes, or any money I paid to them on my XXXX taxes. Now XXXX XXXX has caught up my taxes to secure the loan resulting in my house payment increasing. I have included all paperwork to support this.
The Creditor has falsely documented our credit report saying Chapter XXXX when that is wrong to multiply Chapter XXXX to account closed in collections to charge off and write off amount to a whole new amount claiming original balance plus interested for there accounting errors. We believe that they wanted to mess us over and have tried by falsely documenting the account they have also stated that they were not notified of the Chapter XXXX which is wrong they were notified and had received payment refused to work with us and continued to falsely document open a new trade line and tried to get us for the full amount after they took the car and sold without providing the sold notice. The account should be closed with us owing them nothing as this is a huge error on there end and should be resolved with out costing us for there mistake. Please help with this as they have cost us enough. They want us to settle with making payments for something that is not right as you can see from the attached credit reports they are all over the board and not lining up with correct information. We ask that you make them remove the errors and show account closed as many of these reports show errors and have account closed they can not nor should they report errors like this and get away with it. They were fully communicated with and did whatever they wanted. They should have to remove all the errors and leave the account closed and in good standing for there mistake to us. Please help we are not in agreement with what they have done to us. The attachments are of my husbands but it is a joint account so it affects us both.
Back when I joined the XXXX and I heard about this program I switched and reconsolidated my loans back in 2014. I filed out all of the paperwork and continually followed up to make sure everything was processed and all set to which I was informed that I was. Then as I continue to pay after a year and I receive the annual income verification, I find out a year later they never processed my original with my application and my last years worth of payments didnt count. So I fill it out and they finally process it and change my account. Then I continue to pay and check in again to make sure and then they ask for my employment again and they havent counted any of my other payments. I process that paperwork ( meanwhile all these processes and changes take months and you forget about them ... ) and they dont seem to backtrack. Ive gone through so many hoops since 2014 to get this right and after four years with this company they have only counted TEN of my 120 payments. There were months where I was overpaying and no one notified me. I was on the phone with a lady and she said I had 40 qualified payments yet my account only shows 10. They are horrible and dont know what they are doing and cant process or manage accounts. There were months I would pay and the balance wouldnt even go down at all. XXXX is the worst.
B of A misapplied my early payments to principal paydown, then dinged me for late payments. Between XXXX/XXXX/15 and XXXX/XXXX/15, a CSR named " XXXX '' advised they would fix it and told me to send in {$100.00}. Later B of A still hit me for a late fee and did n't fix it. On XXXX/XXXX/15 I requested a pay off demand. B of A had another late fee included in the payoff of {$130000.00} as of XXXX/XXXX/15. I complained and on XXXX/XXXX/15 I spoke with an XXXX at " XXXX '' who said he would resolve my demand that they remove the {$38.00} late fee. B of A then re-issued the payoff demand on XXXX/XXXX/15 for {$130000.00} as of XXXX/XXXX/15 XXXX yes ~ {$180.00} higher! ) I called and complained. B of A ignored me. I spoke with a XXXX XXXX on XXXX/XXXX/15, who said he would resolve the issue. He never did, i called and left about XXXX voicemail messages for him over the next 3-4 days and he never responded. I also left XXXX vm messages for " XXXX '' who was purportedly XXXX ' supervisor at XXXX, he never called me back. I also left vm messages for " XXXX '' at x XXXX, he never called me back. 

I spoke with an XXXX XXXX on XXXX/XXXX/15 at around XXXX, she was unwilling or unable to resolve the XXXX {$180.00} problem. 

I was forced to overpay in the payoff demand, as the property was being sold. 
In addition, i made an inadvertant extra payment to B of A after the property was sold. 
I never received any accounting as to the overpayments and would like a full accounting. I received a check back but i believe this was only for the credit balance in the escrow account.
Transworld Systems Inc shared with the Credit reporting agencies that I had an unpaid medical debt shortly after receiving the collection request from XXXX XXXX instead of waiting 6 months as outlined in the Fair Credit Reporting Act.. As this bill resulted from an auto accident, there were many Insurance companies involved ( XXXX auto and XXXX medical ). This bill was paid within the XXXX months, and as I understand the Fair Credit Reporting Act, the bill should not have been reported to the Credit Reporting agencies. 

Once the bill was paid ( within 6 months ), the company simply reported that the bill was paid and there is a zero ( XXXX ) balance, but will not remove the " collection '' from credit reports. 

When contacted to have this collection removed they stated that it is there policy to report all delinquencies as soon as they come in, and not to wait the XXXX months. And once reported, they will not remove them even though it seems to be at odds with the Fair Credit Reporting Act. 

Upon contacting Equifax this error, they will not remove the entry unless Transworld Systems authorizes the removal, which they will not remove.
Designed Receivables is continuing to misstate and bully their way into collecting money that is no longer owed. XXXX XXXX is a group of physicians and medical group. There are a XXXX load of medical collections by designed receivables on my credit bureau. I have been waiting for Social Security XXXX for a VERY long time. Upon looking at my credit bureau, I saw a pile of these listings. I didn't know that they a ) didn't or wouldn't work with the medicare insurance, B ) wouldn't try and find Medicaid. It is true, I did not have any income in XX/XX/2012. When I finally got medicare, they did not try to file with medicare. When I gave them the info, they told me I needed to pay them and get money anyway. At that point, I called the billing dept. at XXXX XXXX. That is when the billing dept said th3ere is no balance. My medicare was backdated.