WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I pulled my credit report for my self and my wife and noticed that incorrect information was being reported for the month of XX/XX/XXXX and no information was being reported for the month of XXXX. I faxed over a request to have this information investigated and was contacted by a XXXXXXXX in the customer care and recovery group. Who advised me that he would be handling the problem and had opened a ticket # XXXX. On XX/XX/XXXX I reached out to XXXX XXXX to get a status on the incorrect information being report on my report and my wife 's report. I also advised him that this inaccurate information being reported is impacting our family. I explained to him that I had pulled all three of our reports and the XXXX information was reporting incorrect and XXXX was reporting no information at all. I emailed him a copy of the report for him to pass on to the department that was conducting the investigation. On XX/XX/XXXX. I contacted my XXXX and spoke with him. I was advised that his team had finished the investigation and they had determined that they are reporting the correct information to all three reporting agency. I explained him that I was looking at my most current report live and the information had not changed. I asked what method was used to validate and verify the information with all three agency. I was advised that they did not contact the credit reporting or send a refresh/update they just used an internal process. They just looked at a screen internal and verified that I what they had in there system was correct. I asked to be speak with a supervisor and or manager and was told that it was not necessary. I was finally transferred to a XXXX XXXX XXXX in the customer care recovery group who told me that it's not XXXX XXXX XXXX responsibility to ensure accurete information is being reported to the credit report agency and that he was closing the ticket and did not care that I would filing a complaint with the CFPB and my local State Attorney Generals office. I asked to please speak with his direct manager to try and resolve this problem before I moved forward with my actions and I was told that he " did not care '' and " I am denying you from speaking to my direct report, I don't see the need '' I have customer since XXXX and I have never been spoken in such a unprofessional manner by these two individuals.
TCF BANK KEPT CHARGING FEES TO MY CHECKING ACCOUNT AND OVERDRAFT FEES.IN VIOLATION OF DODD-FRANK ACT.
AD ASTRA RECOVERY SERVICES Account number XXXX- is reporting a collection for {$310.00} on my credit report for the debt that is NOT mine. I called and have written letters to AD Astra to state that this is not my account and that I never have done business with Original creditor XXXX XXXX XXXX  CA- they refused to take this off my report they asked for my social # phone # and where I worked now they are aggressively harassing me trying to collect a payment on this fraudulent account ... ad astra threatened to arrest me if I didn't pay this debt that is not mine to begin with ....
I have paid different accounts and Transunion has it paid off and XXXX does n't! I have a credit score that is XXXX pts different from one credit company to another! I have collection items that were paid on one credit report and open on others. I have late payments on Trasunion and there on none in XXXX.
I have a home equity account with Citibank. The primary mortgage holder requires that I maintain home owners insurance on the property which I have done since the mortgage account was opened in XXXX of XXXX. My current insurance coverage has been with the XXXX XXXX since XXXX XXXX, XXXX. XXXX XXXX XXXX. Before that XXXX provided coverage. This insurance protects the interests of all parties : the owner, the primary mortgage holder and Citibank, the secondary mortgage holder. Despite this fact, Citibank opened, maintains and charges me for an additional homeowners policy. Recently, I notified Citibank AGAIN that I have my own homeowner policy. I forwarded them a copy of the policy with XXXX. In letters dated XXXX XXXX and XXXX XXXX, XXXX, Citibank XXXX XXXX ACKNOWLEDGED my coverage with XXXX. However, as of today, XXXX XXXX, they have made no adjustments, issued no refunds and continue to charge me for their insurance. Further, in XXXX, Citibank paid out $ XXXX to settle a case for this very same time of behavior known as " force-placed insurance ''. But Citibank continues the practice.
The account is a XXXX account I had at my previous apartment unit about 3 years ago. I moved to a new unit in the same complex without being aware that I owe a balance of {$100.00} on my XXXX Cable. 

I was never contacted about paying this debt. Partly because correspondence is sent to an old address or my name is spelled wrong ( As can be seen in the attached document ) I suddenly see this item on my credit report as I now check it often for inaccuracies. I immediately called the Collection Agency and paid the amount in full XXXX along with a {$5.00} processing fee paid to PAY IN SECONDS. 

I made it known to the agent that if they had contacted me prior I would have made the payment to which she had no response, She however advised me that it can be deleted if i went through the right channel, which brings me to this site. 

According to the credit reporting agency this damaging record will remain on my account till XX/XX/2021. Since I paid the full amount the same day it was reported, I request a DELETION of this derogatory item from my XXXX credit file.
Experian will not unfreeze my account. i unlocked the account online but they do not provide access to my bank. I entered my credit card number info to pay the {$10.00} and was denied. it is so frustrating.
On my TransUnion credit report, under Public Information, there is a State of Maryland tax lien that has been reported since XX/XX/XXXX. I have been challenging this item for years, because the lien may list my correct name, but it does not list my correct address and does not list my social security number or my birth date.  The credit bureaus are only verify my name, but are not verifying other identifies such as address, SS number and date of birth as required by the law that went into effect in XX/XX/XXXX.  I have been fighting this for several years and I cannot afford to have this on my credit report, especially if the information is not correct.  I have been able to have it disputed and removed from the XXXX and XXXX credit bureaus, but TransUnion is not doing a thorough investigation.  Please help me get this resovled.
I recently had a lease vehicle repossessed by   XXXX   XXXX   XXXX   out of  XXXX , MI. The fellow who repossessed the vehicle stated he knew my nephew and such. I was cooperative and was not at all angry. I did today receive news that this agent went to my nephew and told him he had repossessed my truck and was looking for my wife 's truck. My property is posted no trespassing which he violated as well. My problem with them is that they violated my privacy by telling my personal business to people. What is my options for recourse with this agent and company?
This was with XXXX debt to XXXX XXXX XXXX and I was sending checks to them for this debt and it was being sold to different debt collectors and I have another debt that was paid off and they were trying to collect from me again for the same thing the hospital has not notified that it was doing so and just doing it and its with several debts I had XXXX and I am paying slot of bills they are cashing my checks and still sending my stuff to debt collectors now they are messing with my credit I worked really hard to build
The escrow calculation at Nationstar/Mr. Cooper is flawed. Their analysis takes place in late XXXX ( XX/XX/XXXX in my case ) where they look back at any payments from XX/XX/XXXX to XX/XX/XXXX. That analysis doesn't account for payments made after the analysis ( i.e. payments made for XXXX ). The balance forward analysis, used to calculate any projected escrow shortfall, utilizes the ending balance from the XXXX to XXXX analysis, which starts with the XX/XX/XXXX payment. This again doesn't account for XXXX payments made in after their XX/XX/XXXX analysis date. In order for their analysis to include a XXXX payment the borrower would have to make that payment 30-45 days in advance. 

In short their analysis forces borrowers into an escrow shortfall situation by not accounting for late XXXX payments.
I.Q Data International has incorrectly reported a debt that is affecting my credit score. The company has not taken my side of the dispute into account or the fact that the Texas Property Code Chapter 92 allows me to terminate my lease without penalty. The company is blatantly ignoring the law, Texas Property Code Chapter 92, in order to forcibly collect a debt that is not owed. The only verification they have provided about the debt is the account information from XXXX XXXX XXXX, which does not validate the accuracy of the debt. I am still receiving notification stating that I owe the debt even though the law states otherwise. 

This is my second complaint against the IQ Data International submitted to the Financial Protection Agency. My first complaint is referenced in case number XXXX where I provided all the background information regarding situation between the XXXX XXXX Apartments and I, and the incidents that transpired between IQ Data International and I on the first debt notification. 

Additionally, IQ Data International has failed to provide the below request information : 1 ) The date the debt was transferred from the original creditor to the third party debt collector 2 ) Proof of my agreement to pay the original creditor ; 3 ) Surety bond information As stated by the Texas Finance Code Section 392.202, a debt collection agency or credit bureau is required to provide the alleged debtor with specific information concerning their debt including but not limited to the above mentioned information.
Freedom mortgage over charged me {$820.00} for my escrow account. I am retired and this has a significant impact on my budget. I learned that they over charged me when I got a refund check in XXXX. I questioned this and got a response with a lot of inaccurate information. I sent them a response to their letter on XXXX XXXX and have not gotten a response to date ( XXXX/XXXX/16 ). I left XXXX messages for XXXX XXXX XXXX and have not gotten a return call. Finally on ( XXXX/XXXX/16 ) I spoke someone on the escalation team and I told them that I expected a response to my letter.
I appealed the decline of the loan modification within 30 days. Select Portfolio Servicing is not honoring the 30 day appeal process which is illegal per the Homeowner Bill of Rights Act. The underwriters have miscalculated my income and overvalued my home by over {$200000.00} in the original decline, now they are stripping me of my right to appeal. I have proof that I sent my appeal in by email per their instructions within the 30 day period. 


Please have SPS cease the foreclosure process per the Homeowner Bill of Rights and proceed with the appeal process.
A check was written to the Franchise Tax Board for the State of California in XXXX XXXX. It was stolen from my mailbox and altered to a fictitious name : XXXX XXXX and was cashed at a XXXX XXXX ATM in XXXX XXXX XXXX. I was informed that I had not paid my XXXX XXXX quarterly state tax payment by the Franchise Tax Board in XXXX XXXX. Upon hearing of this, I immediately contacted Chase Bank ( with whom I bank ) and informed them of this. Since then, an affidavit of Unauthorized Endorsement or Altered Item Form was completed. A police report was also filed. 
I was informed by Chase Bank that these funds were not recoverable because this was noted and filed outside the bank 's 60-day recovery time frame policy. The fact that this was clearly an altered and stolen check was never denied. The check includes my social security number as this is what the California State Tax Board requires. This is not typically on a check written to any entity other than the government. 
A formal complaint through Chase was filed and a local branch manager also worked through the corporate chain to file a complaint to help me recover the funds. I was informed that because it was outside the 60-day recovery time frame, I would not recover any of the {$4000.00} that were stolen from me and also stolen from the Franchise Tax Board. 
The difference with this case is that the Internal Revenue Service and the Franchise Tax Board works a year behind. They often do not inform of delinquent payments until a year later. Also, it is important to note that this can directly impact my ability to work. I am a XXXX and the State of California Licensing Board sent a letter to California XXXX stating that if the State taxes were not paid, our licenses would be revoked. This check being stolen from both me and the State of California has put my livelihood at risk and also my potential ability to pay future taxes. I can not pay my taxes ( especially if anything is owed ), if I am unable to work. Moreover, I am a XXXX in a country where we have a shortage of XXXX. XXXX. There is also a nationwide shortage of XXXX who care for XXXX XXXX. If my license were to be revoked, this could potentially have a direct impact on their health until a replacement for me was found. 
In conclusion : this is a check written for the State of California and the Franchise Tax Board operates a year behind. Also this checked has clearly been altered but it was noted until a year later because of the specific entity to whom it was written. This delinquency could have an enormous negative impact on my ability to be a productive member of society as paying my state taxes is directly linked to my ability to have a state license in good standing. Therefore, it is my request that the decision to recover the stolen {$4000.00} be re-evaluated.
on XX/XX/XXXX They contacted me 3 times and on the third time I asked them to not call me repeatedly while I was working. The individual told me that they had no control over the calls and that it was automated and they can only leave me a message on the 3rd time they call. I have asked multiple times they call me after XXXX and still they call me any time between XXXX and XXXX multiple times a day.
My credit card company decided to side with a merchant who rendered no services. I don't even know how something like this happened as no credit company I've ever had would do this. I was asked no follow up questions during their " investigation '' and would like my money back considering the merchant did not provide any services and I received nothing from the merchant. It boggles my mind how Citi decided they deserved money for something that was never done.
I have fraudulent accounts listed on my Equifax credit report that do not belong to me. I have sent numerous letters, copies of personal identification information and police reports to Equifax informing them the following fraudulent accounts do not belong to me and that I am a victim of identity theft : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Child Support ENFORCEMENT, XXXX, XXXX
I do not have knowledge of debt that is attempted to be collected. This does not belong to me.
Equifax Information Services , LLC XXXX XXXX XXXX, GA XXXX ATTN : Legal Department File No. XXXX I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within five ( 5 ) days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within five ( 5 ) business days from the completion of your investigation. In addition, I will expect you to complete your investigation within thirty ( 30 ) days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX ( XXXX ) ACCT. {$420.00}. This ACCT. was charged off listed with wrong balance please delete. 
2. ACCT. NAME : XXXX ( XXXX ) ACCT.. BAL : {$500.00} This ACCT. was charged off listed with wrong balance please delete. 
3. ACCT. NAME : XXXX ( XXXX ) ACCT. BAL : {$1400.00}. This ACCT. was charged off listed with wrong balance please delete. 
4. ACCT. NAME : XXXX ( XXXX ) ACCT. BAL : {$1200.00}. This ACCT. was charged off listed with wrong balance please delete.
It 's been 11 yrs that I have had my car and it 's still showing on my credit report. I have mailed out two rounds of 609 letters certified. It has finally come off of my XXXX report but it 's still showing on XXXX and XXXX. It 's been more than 7 years since my first delinquency so why is this still showing? At one point it was in repo but then was redeemed. I just mailed out a third round of 609 letters today with possibly taking Ford to small claims court over this non removal. I should n't have to go through this. One credit bureau has already complied. What 's the problem for the other two bureaus? Please fix so I do n't have to take this to litigation.
JVS Group based in XXXX, Texas continues to violate the Fair Debt Collection Practices Act ( FDCPA ) .They continue to report an erroneous collection on my credit report ( XXXX ) and continue to fail to communicate with me after 3 attempts to notify them by US Mail. They are in clear violation of Statue 809, validation of debts. 

I have requested to furinish the name and address of the Original Creditor in all XXXX instances and all XXXX are now over 30 days without any response or communication. Additionally, I also disputed directly this erroneous trade line with XXXX only to come back as being " verified '' when in fact JVS as not supplied XXXX or myself what I requested within 30 days of the law. 

Additionally, this erroneous collection trade-in appeared without JVS giving myself any warning nor any opportunity to notify me that I have the right to dispute any debt. 

Additionally, they are also violating the Texas Debt Collections Act State Statue 392.304 number 4. 

Not only have they not communicated with me within the 30 days allowed by law, they have never notified me once nor within 30 days after request by mail, who the original creditor, amount owed is. 

As of Tuesday XXXX, XXXX, 2016, I have also file a complaint with the Federal Trade Commission and the Attorney General Office here in Texas. 

I have consulted with an Attorney and will file both a State and Federal lawsuit if this erroneous collection trade-line does not get removed from my credit file by close of business XXXX XXXX, 2016. At minimum, either myself or my attorney must have a AUD showing the deleting of this erroneous collection trade-in. 

Please let it be know that this also has caused massive financial harm which is another violation of not only the FDCPA but also the Fair Credit Reporting Act ( FCRA ). 

They have been warned and will be receiving complaints from addition regulatory agencies. 

Respectfully, XXXX XXXX XXXX
I ordered a copy of my credit report from Experian and was billed {$1.00}. Unbeknownst to me that enrolled me in some sort of membership. I successfully canceled the service going forward. However, getting a refund was another story. The money came out of my account on XX/XX/XXXX and I called on XX/XX/XXXX. They refused to issue a refund and put me on hold for over 20 minutes and refused to refund the money.
I discovered an unauthorized charge on my  American Express  card in the amount of {$12.00} for an  XXXX   XXXX  membership on   X/X/17 .  I contacted  American Express  and was told that I did not have to close the account but they would place a merchant block so that  XXXX  would no longer be able to charge my account. The same charge appeared on   X/X/17 .  I called again and was told that I should close the account and open another one. I inquired about the merchant block and was told that with memberships, they continue to be charged even after an account is closed. I asked how the issue can be resolved since the unauthorized charge is for a membership. I did not receive a satisfactory answer. I later received an email stating that an account number that I did not recognize was charged for {$12.00} for the  XXXX   XXXX  membership. When I called  American Express  again I was told that an old account that was closed many years ago was accessed and the charge got processed through that account and then bounced to the new account. I explained that many years ago I did close an account due to a security issue. I was told that it was not closed properly. At this point I have been told on the phone by various  American Express  representatives that all of my accounts are closed as I had requested at this point but I continue to receive email that contradicts that information. I contacted  American Express  headquarters in New York and was advised to send them a letter. I sent them a certified letter on Saturday,  XXXX   XXXX . I called today after having received an email that seemed to indicate that there is still an open account and I was told by staff in their legal department that someone would call me eventually but would not give me a timeframe. I have spent many hours on the phone talking to many American express representatives. Several calls have lasted  1 to 2 hours  in which I was transferred to numerous representives. Some of the representatives have been in the US and some have been outside of the US. Some of the phone connections have been OK but some have been extremely poor. There has also been a language barrier with numerous representatives. Overall this experience has been extremely time-consuming and inefficient and is still not resolved. To clarify, while I have had an  American Express a ccount, I have been the only authorized card holder
I divorced my spouse over two years ago and want my name removed from the mortgage at Experian and XXXX XXXX credit agencies where I am listed as owning the mortgage. I filed a quit claim deed for the mortgage and an assumption agreement was filed by my wife as well. My dissolution of marriage judgement, marital settlement agreement, quit claim deed, and assumption agreement of my ex-spouse that XXXX XXXX XXXX bank is a party to, all of which clearly show that my wife has assumed the mortgage were sent to Experian andXXXX XXXX. Both have refused to remove the mortgage from my credit report. This has denied me the ability to purchase another home.
I was contacted by States Recovery Systems Inc 11 days before my arranged payment due date. I found it odd that I was contacted by an individual ( XXXX XXXX ) that does n't typically handle my account. He asked if I wanted to set up a postdated payment and I informed him that today was just the XXXX and I have 11 more days until my payment is due ; therefore I 'll call in on my due date like I always do. I informed him that I am one of the few people they may deal with that actually calls in to make my payments and I do n't need them to call me. 

Though I informed him NOT to set up a postdated payment and I will call in on my due date ( XXXX ) like I always do. As of yesterday ( XXXX/XXXX/15 ) I received a letter in the mail stating that a postdated payment has been set up.