WillisBack/dataset-financial-user-claim huggingface dataset:
This is a request to investigate the following entities : XXXX, Experian and XXXX  for unfair and inaccurate and frivolous credit reporting methods and for lack of response ; and XXXX and XXXX XXXX, XXXX for reporting frivolous and inaccurate information with the intent to profit. 
On XX/XX/16, I disputed XXXX 's alleged " {$850.00} '' debt reported by XXXX   XXXX to the 3 Credit Bureaus, and requested a " detail statement '' from XXXX in connection to the alleged debt. XXXX responded by saying that the XXXX 's debt was " reported correctly, '' by XXXX XXXX. 
XXXX XXXX and XXXX have never provided a detail statement of the charges because the debt is frivolous with the intent to profit by using my credit record as a hostage until the frivolous debt is paid. 
The enclosed supporting documentation is proof that no monies are owed to XXXX/XXXX. It also shows that while XXXX was servicing my cells, XXXX continue to charge for a service not being provided. I contacted XXXX by certified mails, e-mails, phone conversation, in person without any success or response. 
It is my position that XXXX and XXXX XXXX, XXXX have not proved the alleged debt is valid. Therefore, I request that you investigate and have this frivolous debt removed from my credit history in the three ( 3 ) Credit Bureaus.
Hello, Contacted XXXX XXXX XXXX XXXX XXXX   after experiencing multiple problems with a car purchased just shy of a year ago. The warranty was purchased as an extended warranty, to cover the cost of anything that could go wrong. What happened is one day my car started and the screen that displays radio, air conditioning, and back up camera did not work. I called to see what to do and XXXX XXXX told me to take to a dealership for diagnostics. After being diagnosed, my car needed a new battery harness, which connects to the computer of my car. Due to a malfunction within the cable itself. This may have caused signal to go out to the radio module. XXXX XXXX declined completing the work order and referred me back to carvana. Carvana then told me they would take care of me and not to worry, they just needed the complete diagnostics from XXXX. After connecting with them apparently they decided they are unable to fix this. Its outrageous. During multiple times not only did XXXX XXXX tell me they would fix it due to the items not being on an exclusions list so did carvana. 


Attachments ; photo from Wesite stating what XXXX XXXX entails ; photo of exclusions from extended warranty, photo of email denying coverage.
I have been continuously disputing an account with Trident asset management and XXXX credit bureau. Both parties have failed to provide proof of debt other than replying with my name and address which is obtainable via the public. Tridents set management have not replied to two letters I sent them which violates the law. Both the collection agency " trident asset management '' and XXXX credit bureau has caused me XXXX with the back and forth about this account that they have failed to prove is mines for the past 6 months.
I had an operation in XX/XX/XXXX and my insurance covered all charges. Received notification from the provider XXXX XXXX in XX/XX/XXXX indicating they were n't paid. Called immediately and gave them insurance info. Never heard back. 
XX/XX/XXXX ran my yearly credit report and found a collection agency had put negative mark on my report. Called agency and asked who they were representing, why they had never sent me any kind of written notification or called me. 
They claimed they had wrong address and claimed to have called me XXXX times, which was an out and out lie. I never received XXXX call or message from them. Told them by not giving me the opportunity to dispute the debt, and immediately reporting my account to the credit bureaus that they violated the Fair Debt Collection Practices act. They did n't seem to care I then requested they provide me with proof that their client, XXXX XXXX, had filed a claim with my insurance company on a timely basis, and what exactly I was billed for, and they refused. It is companies like this that give the whole industry a bad name.
I was approved for a trial loan modification on XXXX XXXX, 2015 with my XXXX trial period payments ( TPP ) scheduled for XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015. The amount of each payment is $ XXXXXXXXI made the XXXX XXXX payment of {$1800.00} by calling BoA customer service over the telephone using the funds from my XXXX account on XXXX XXXX, 2015. The transaction was completed the same day as the money was taken out of my account and deposited with BoA and I was given credit for the XXXX TPP payment of $ XXXXXXXXI called on XXXX XXXX, 2015 to BoA Customer Service to make the XXXX TPP ofof {$1800.00} using the funds available in my XXXX account. The transaction was completed. However, BoA made XXXX transactions instead of XXXX and attempted to withdraw {$1800.00} on XXXX occassions totalling {$7300.00}. Our account is overdrawn and XXXX charged us {$34.00} each for the transactions for non-sufficient funds as only XXXX payment of {$1800.00} was accepted. Also, we have written XXXX checks for water, telephone and gas that will be returned because the account is overdrawn. Upon calling BoA Customer Service on XXXX XXXX, BoA representatives said that there was nothing that they can do and that BoA might send a check for {$5500.00} within 10 business days. However, we ca n't wait XXXX business days as our utility companies may interrupt service by then. Also, we need to get reimbursed for the {$34.00} overdrawn NSF fees that will total {$200.00}
Hello, After the XXXX  data breach, I used the XXXX website to see if my SSN was impacted ( XXXX XXXX XXXX ). They confirmed that I had been ( although I 've read reports that their system is incorrect more often than not ) I have since been taking steps ( today, XX/XX/2017 ) to add freeze to all of my credit reporting accounts. Across the major three and additional 1one ( XXXX, XXXX, XXXX, and XXXX ), the process has taken me hours with only some success. 

My major complaint is that the time and cost of placing freezes has been arduous. I have already paid multiple institutions for placing the freeze ( XXXX  - {$5.00}, XXXX - {$10.00} ) and both require fees if I ever decide to temporarily lift the freeze. 

I am genuinely confused why agencies that I did not consent to giving my information to are allowed to charge me for them to keep my social security number safe. Why is the default that they can set their own policies with my personal information? Why is opting into a slightly more secure set up ( a freeze ) costing me time, lost income, and fees? 

I realize that I am bringing up a systematic issue, and not a particular one. Regardless, I believe the CFPB is the only organization that can help and I would love to know if that is possible and if there is anything you can do to help me and people like me. 

Thank you in advance for your help and thank you for all that you do!
I was recently made aware of multiple attempts to acquire fraudulent accounts in my name. After reviewing my credit files I've found a couple of Unauthorized accounts and several credit inquiries by the perpetrators.
So I became an authorized user on my moms account when I was XXXX years old and apparently she had a late payment which stuck to my credit score and now my credit is down. I tried contacting XXXX XXXX they were no help I just want it removed from my history because it wasnt my transaction.
XXXX of Mariner finance has been reporting incorrect information to my credit report since his company acquired my loan back in XX/XX/XXXX. I have spoken with him and other employees within his company and nothing has been correct. Back in XX/XX/XXXX XXXX has requested a garnishment of my wages. The court case was in XX/XX/XXXX of XX/XX/XXXX and one check came the day after the court date and he refused to go to the court to pickup the funds. So they were sent back to my employer and then back to me. Just recently he took me back to court again to garnish my wages for the same amount that he refused to pickup after the clerk of court reached out to him to make him aware that the payment came in right after the court hearing and was dated within the garnishment dates.
Reference code : XXXX XXXX was contacted around XX/XX/XXXX to dispute multiple transactions ALONG with another card what was opened without my knowledge. I had assumed the card was closed in good stadning as I was a reliable customer of theirs since around XX/XX/XXXX and had 0 late payments on my record with them. Upon further investigation of my credit report, it showed that american express had sent the card to collections. Around mid XX/XX/XXXX, I had called American Express in regards to this discrepancy and was told that a fraud investigation would commence without delay as long as I send a letter in writing stating my case. According to Amex, they initially closed this dispute because it was filed under " opened not on my behalf '' instead of " disputed transactions and use by someone other than myself. '' I had sent the letter to American Express Fraud  Services on XX/XX/XXXX. 

On XX/XX/XXXX I was sent a letter by Amex stating the investigation has been closed because not enough information was provided. The letter also stated they had tried to contact me multiple times however this was not true in the slightest. I am always open to communication and cooperation. Reference code : XXXX The card had not been used since XX/XX/XXXX however charges kept appearing.The card was in my possession so it must have been stolen in a more sophisticated manner. The charges were apparently never resolved and I had asked for the card to be closed multiple times.
I allowed for an auto loan at XXXX XXXX on XXXX XXXX 2017. I told them I only authorized their inhouse FI  to do XXXX inquiry on my credit report. I have since had XXXX hard inquiries. I 'm confused because my sales receipt states my FI constates I am with XXXX XXXX although I told them I allowed them XXXX inquiry they told my it was included in the XXXX credit check they ran. I received a letter today that states- XXXX XXXX  was NOT agreeable to the handling of the proposed transaction. Due to the report from the credit agency. XXXX Score XXXX. - due to Inquiries ( there were none prior to coming in that morning ) but no derogatory information found. SAGESTREAM LLC- score XXXX - due to no of inquiries Inquired did adversely affect score I have never heard of " SAGESTREAM LLc '' Credit Bureau '' so I looked them up. It said they are being investigated for giving low scores by auto financiers in order to give higher Financing Rates! '' Now- of this is the case- why is that the co I 'm told is the bank I 'm FI through- and got ANOTHER letter that stated " upon review, it was determined information was omitted " ... ... ... what is the scam that is going on. ... ... who is SAGESTREAM LLC credit Bureau and I want all of these hard inquiries taken off of my credit report, and this rediculious interest rate lowered NOW!
Listing account as open, charged off by original debtor Washington Mutual, last, last payment XX/XX/XXXX.
Enrolled at XXXX College in XXXX Colorado, in XXXX of 2009. I did not attend XXXX class or use any resources of the college and tried calling XXXX.. A counselor or student advisor at the time.. To tell her I am not attending and drop me from the school ... She never called me back or responded and I was unable to go to the college in person at the time.. Therefore XXXX College went ahead and charged me at the time {$4900.00}. That debt is now with a collection agency and now the total due is {$6300.00}. I never accepted the debt. The collection agency now has called me over and over and at unusual hours. Past regular business hours. They 've called my father recently.
In XX/XX/XXXX, I received notice from my credit reporting agencies regarding an account with XXXX. This account was closed over ten years ago at my request. All statutes of limitations have expired on this account and it is against the law for this to be appearing on any current credit reports. XXXX has falsified contact and payment information starting in XX/XX/XXXX in order to continue damaging my credit and increasing the amount of this falsified debt. XXXX had refused to remove this from my credit reports. Furthermore, all three agencies ( XXXX, Equifax, XXXX ) are still reporting this expired debt. All of my attempts to remove this negative report have been ignored by XXXX as well as the three credit reporting agencies and they continue to violate fair credit reporting laws. XXXX is a predatory lender and a simple XXXX  search on the internet will reveal how many military personnel and their families have been hurt by this company. XXXX went so far as to contact me after I had been XXXX XXXX in order to establish this account with me. It clearly states in their own policy that XXXX accounts are for active military personnel only. I was approached while undergoing medical treatment at a VA hospital and should never have been solicited in my medical condition to open an account as a veteran. Upon closing my account, and attempting to set up a reasonable repayment plan, I was denied, and they immediately reported it and refused all attempts by me to remedy this debt. My final contact with them was in XX/XX/XXXX and I have had no further contact by telephone, text, email or US postal service. However, they continue to falsify credit reporting statements with fictitious statements regarding payments and communiques. This allows them to continue to report what should be an expired debt.
I originally financed my vehicle through Santander in XXXX. In XXXX I refinanced this vehicle through XXXX. 6 months after Santander accepted the payoff from XXXX they sent me a bill for {$450.00} saying that I still owed them a payment. I refused to pay because they released the lien and accepted the payoff and now it 's on my credit report looking like a repossession and is preventing me from getting a decent interest rate on a new loan. The vehicle has been completely paid off for 2 years.
I had a mortgage with Nationstar Mortgage which I refinanced elsewhere. I had to complain to get all of my escrow refund, but they finally sent a second check. Now, I am reviewing the statements from them and doing an audit and I find that they XXXX paid my PMI in XX/XX/XXXX. 

I am attaching the annual escrow statement dated XX/XX/XXXX showing the previous year 's payments, which shows they paid PMI in all 12 months ( no skipped payments to be made up later ). It also shows an ending balance of XXXX. 

I am also attaching the last escrow statement dated XX/XX/XXXX which strangely shows a beginning balance of XXXX. That statement goes on to show XXXX payments for PMI were made on the same day XX/XX/XXXX. 

When I called them they said the second payment on XX/XX/XXXX was to make up for a missed payment in XXXX. The problem with that is the statement says there was no missing payment, in XXXX or anytime in the year. 

They then tried to explain that the Annual Statement is a projection and not actually what was paid. This is again ridiculous as the statement was issued XX/XX/XXXX but included what they said are projections of what had happened in XX/XX/XXXX? Additionally the statement says the figures are " Actual Disbursements '' not projections.
I have a student loan with Navient, I have had repeated struggles finding a repayment plan that is in the range I can pay. They either want {$400.00} a month or want me to " just pay the intrest ''. I have tried repeatedly to set up payment plans and they keep telling me I have only a few options. I am on an income based plan now but for the last 2 years I got NO notice that the plan was up, then I got SO many fees when I did n't even get notified the plan was up. They then put the loan into forbearance until the new paperwork could be processed all while tacking on MORE interest on top! The original loan was for {$26000.00} and I have paid about {$39000.00} over 20 years and I STILL owe {$22000.00}. THIS IS NOT FAIR! I NEED HELP WITH THESE PEOPLE AT NAVIENT!!!
My direct deposit is and still is delayed as of this moment. My bills are past due and I can be put out any moment and have no money for food or to pay my phone bill. This is disgusting and so inconvient!
Security finance in XXXX, TX keeps coming to my place of employment, demands a payment right then and there. I can not pay so they tell me to make a promise of payment, I tell them I do n't want to promise what I ca n't deliver, the lady XXXX then gets louder and causes a scene in my office in front of co-workers and my General Manager. My GM has asked her XXXX now to stop coming up here and causing a scene, the XXXX time he asked I was out if the office and she told him she was here to collect a debt on an unsecured loan and gave him the notice to put on my desK on Friday XXXX XXXX. Today they show back up I inform her that I will lose my job if she throws a fit and causes a scene in front of customers and employees she said I signed a contract that states they can come to my job and ask for a payment whenever I 'm late. I told her that they have been informed by me and my GM not to show up again to collect a debt she was about to leave and threatened to take my to court, by stating " That 's fine XXXX we know you make promises and never keep them so we will get our money XXXX way I 'll just see you in court ''. That happened inside so that several coworkers and employees heard her. I told her she was violating the FDCPA regulations and she told she could cause I signed a contract.
TD bank is charging me {$170.00} in overdraft fees for using my debit card before a check cleared the next day along with charges on my card so the money was there.
On XX/XX/2016 at XXXX I received a phone call from the phone number : XXXX requesting I call and speak to a representative with Balanced HealthCare Receivables. Upon returning the phone call I am notified for the first time of this debt and its advancement to the collections stage. I paid the debt via XXXX ending in XXXX on XX/XX/2016 for the full amount of the debt. I requested a receipt upon payment and was given a difficult time obtaining a receipt. During this initial and first contact about this debt, I informed the collection agency about my new location in California, not Florida, and was required to provide a Billing Zip Code for my Credit Card. Which would notify the collection agency of my relocation, even further. This reasoning is supported by the following statement that is verbally given during every phone call and on every letterhead from the collection agency : " THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. '' Therefore, the collection agency has no reason to deny their knowledge of the " local time at the consumers ' location ; '' pursuant to Section 805.1 of the FDCPA. 

XX/XX/XXXX, after much consideration and receipt of the pay-in-full letter, with a plethora of grammatical and numerical errors, I decided that this debt is illegitimate and disputed it with my credit card company. I believe that Balanced Healthcare Receivables is not a professional entity, nor a financial regulation abiding organization. 

On XX/XX/2016 I, XXXX XXXX, received a phone call from the telephone number : XXXX at the time of XXXX PDT, which translates to XXXX EDT and covers all United States Time Zones in accordance with Section 1 for a call being placed at that time as " unusual ''.
Applied for a Chase XXXX preferred card online, after submission I was told that my application was pending and I should receive a letter shortly with the decision. 

I called the Chase Reconsideration line and was told that I opened too many credit accounts in the past 24 months. Unfortunately no one was able to tell me the number of accounts that they 're gouging, nor was there any wording in the application that stated they would check the number of accounts opened in the past 24 months.
A little over 3 years ago, XXXX XXXX XXXX transferred my mortgage to Nationstar Mortgage. Over the past couple months they kept calling me saying what are you going to do with your property. I told them I have no intention to sell and I plan on being here for several years. ( My mortgage is and has been current since I started with Nationstar over the past 3 years ). The first time they called I thought it was a routine check. When they kept calling I asked them to stop calling me on this issue. The choice they gave me is I could issue a Verbal Cease and Desist and they would n't call me anymore. The problem with this choice is they also wo n't contact me under any other circumstances by telephone/e-mail/text/regular mail. So if there is a glitch in their system and my payment did n't go thru for any reason I wo n't be notified. If there is a change to my mortgage in anyway I wo n't be notified. I feel like I 'm being held " hostage '' either I have to take their monthly calls so I can receive communications or use the Verbal Cease and desist and not know about any changes in my account. My desired resolution is simple, I would like them to communicate to me if there are any changes in my mortgage but I do n't want them harassing my every month, what am I going to do with my property etc.
I was shopping for a car and the I put in a credit application with the dealership. For that single application I filled out, there are now XXXX inquiries into my credit. XXXX for the finance company, and XXXX for the dealership. The dealership claims this is standard procedure. Even if it is, does n't a credit reporting agency take into account multiple credit inquiries when someone is shopping for a vehicle?
Long story short. I purchased a laptop from XXXX. I was using a Netspend bank card. After purchase, my parcel delivery was quite long and he was lost. When I found I decided to return the item back to XXXX. They accepted my return and issued a return to My Netspend bank account. When my bank account was credited I attempted to log in to the account and received a pop-up message that my account is locked. At the same time, I picked up my phone and called to Netspend customer service. What they told me is that my account is locked and did not explain a reason why. They also told me to call XXXX and ask them for a letter of indemnity or to reverse the funds. XXXX response to me was that they do not do those things. So I am in a situation where one business ( company ) asks me for things where other companies ( business ) do not provide that kind of things and my funds and my actions are restricted. XXXX confirmed that they received an item and processed a refund and everything is fine but Netspend holds my money by force. I have a lot of info who proves that my return is sucessful. So this is what I have from XXXX : " Upon review, our system shows that a refund was issued successfully for order number XXXX back to the original payment method, VISA card ending in XXXX on XX/XX/2018 in the amount of {$1500.00}. Refunds generally take 1-5 business days to reflect into your account but are based on your Financial Institutions processing times. If you are not seeing the refund, please contact us at XXXX opt. XXXX, so we can conference call your Financial Institution for more information. '' Order ID : Order # XXXX Name on the order : XXXX XXXX. The laptop was bought with a virtual credit card. XXXX gave me an authorization code for the funds to be released - XXXX. Pretty much this is everything I have in this situation and now I am asking your help because in this situation I am powerless.