WillisBack/dataset-financial-user-claim huggingface dataset:
First found out that I had a collection through checking my credit  XXXX . It was  XXXX  and they claim I owe them {$90.00}. I asked for them to send me the original bill, because we do n't have  XXXX . They never did, so I called and told them that the address that they claim I owe them for I never lived there, so they removed it from my credit report. then  XXXX  again but now it is through  XXXX , had to go through the same thing and they removed from my credit. Again  XXXX  and  XXXX  through SOUTHWEST CREDIT SYSTEMS , L.P . I asked to see the original bil on  XXXX / XXXX /  XXXX   and they hang up, I call back and they give me a different excuse and hang up. then they call and harass me to pay.SEND ME THE BILL but yet again they do n't and tell me to contact  XXXX , which I have but they will not send me the original bill. I want this nightmare to end and to have this collection taken off my credit report.
HAVE AN OLD DEBT WITH XXXX.HAVE BEEN MAKING MOTHLY PAYMENTS OF {$100.00} TO XXXX.GETTING NO ACKNOWLEDMENT OF PAYMENT.NOW I GET A COLLECTION STATEMENT FROM XXXX WANTING PAYMENT FOR MUCH MORE THAN I OWE.
My account number with Freedom Mortgage is XXXX Freedom mortgage 's website is very glitchy and does not properly take in payment information. I've had several incidents were I've had to resubmit the mortgage payment which made it difficult. 

In the month of XX/XX/2018, the account number did not copy and paste over correctly ( it was missing 1 digit ) - to my knowledge I copied the full account number, due to this Freedom Mortgage charged me a late fee which now totals {$100.00} They do not notify anyone via e-mail if a payment does not go through, even though they send notifications for other purposes via email. They state they send a letter which doesn't come until 20 days after you make a payment which in turn allows them to enforce the late fee. They also do not allow you to setup recurring drafts until you 1 month ahead of the payment schedule, which means you must pay a full month 's mortgage in advanced. 

These practices that Freedom Mortgage participates in are deceitful and unethical, they should be reviewed and fined by CFPB. I want my {$100.00} refunded back to me as well.
When I pulled myTRANSUNION credit report on XXXX XXXX after being denied a loan. I saw XXXX XXXX had put two collections on my report 1 for {$100.00}. Both XXXX XXXX  1-for {$2000.00} plus I contacted XXXX XXXX immediately. I spoke to a rep there and asked her about the bills she stated that they were from XXXX. she said that they had been sending the notices to XXXX   XXXX XXXX XXXX nc and a fraud #. XXXX. ... I told her they were not mine. I told her that I had XXXX XXXX XXXX and Medicare insurances at that time and my address was not XXXX XXXX  but I changed my address from XXXX XXXX XXXX XXXX XXXX XXXX  nc as per the XXXX XXXX XXXX XXXX. ( to  XXXX XXXX XXXX XXXX nc XXXX ) usps confirmation of change was made on XXXX XXXX 
At that time she changed my info to what I stated was address and phone # and she said I had to pay it because it had been too long and my insurances would not pay them now ..I told her they were not my responsibilities. I contacted transunion and they did a investigation and only took one if the place XXXX medical bills off my credit. Why not both they were at the same time & same place she said ..they took off the {$100.00} bill but left the {$2000.00} plus on my REPort. And transunion then put a seven year credit freeze on my report without my consent. I want them both taken off.. They are fraudulent charges I have a identity theft file registered with the FTC. Also the office of the comptroller for currency recently confirmed via letter to me on XX/XX/XXXX over 20 fraudulent credit inquiries and apps thru XXXX XXXX XXXX that was also fraud along with many other entries..
In early XXXX, I settled several Navient loans, through collections agency XXXX XXXX XXXX, for {$2000.00}. To date, that settlement is not reflected by my Navient account, though the company does acknowledge receiving the money. Rather than applying the money to the settlement, as agreed, Navient has applied the money to outstanding interest. 

The company claims that it has not been notified that the money was intended to settle the private loans, despite the money coming from its collection agency. XXXX did not provide me with a settlement agreement in writing, though a XXXX XXXX spoke with today is allegedly working on providing a receipt so that I can provide the receipt to Navient. This should not be my responsibility. 

I would like to see this money applied to its agreed-upon purpose as soon as possible, and my account updated.
This debt was removed from my credit report over a year ago by the same creditor but it has now reappeared. I sent a dispute regarding the deletion and it 's still appearing on my XXXX repair. The company is XXXX XXXX XXXX but original debtor is XXXX XXXX.
On XXXX XXXX 2016 My Capital One Visa credit card account was charged XXXX by the XXXX XXXX XXXX company located at XXXX XXXX XXXX XXXX XXXX Florida . 
My son used his ( joint ) visa credit card to pay for a cab ride from XXXX to XXXX XXXX XXXX XXXX, a XXXX mile ride. The driver told him he could not print a receipt after he swiped his credit card in their reader machine. 
I alerted Capital One immediately that this charge was fraudulent. They have given me provisional credit twice, and then charged my account back, because the fraudulent party has provided them with a fraudulent receipt. 
I have argued with my credit card company that it is clearly fraud, how could a cab ride cost XXXX? Most likely the short ride cost XXXX. 
They have denied me reimbursement, because the card was swiped which I feel is unfair. They have not protected me from a fraudulent transaction which they claim they offer their customers as a protection benefit. 
Whoever this company is, they do not have any phone numbers, etc. and are most likely preying on students, etc. 

Please let me know if I have any recourse with my credit card company, they have closed my case. 

Capital One case # XXXX Thank you, XXXX XXXX
I never received notification, and no way the amount owed is accurate nor did I have have business with this company NCC. Please help
I 'm a victim of identity theft and Certegy cleared my file from the negative information. Because a law enforcement agency claimed that the bad stuff that I 'd already been proven not guilty of they asserted it back to me. I demand Certegy follow the law and remove it once again because it is not mine and already proven not to be mine.
I first disputed these inaccuracies which came from identity theft since 2014. Ive been going back and forth with experian for years about these same accounts. I sent my police report from the XXXX Police Dept. they refuse to adhere to my complaints. Experian refuses to follow the laws that govern credit reporting agencies. Im a victim of identity theft and I cant understand how or why Experian wont follow the law. I also filed this same complaint to the XXXX because they are illegally breaking the law by not accurately reporting on my personal credit report.
I have been accused of oweing a debt that is not owed. The debt is also outside of statute of limitations for collection.The creditor is XXXX XXXX. XXXX XXXX has numerous other law firms attempting to collect the same debt for them. All of the law firms are hired and maintained by XXXX XXXX. The first company to contact me was XXXX XXXX XXXX XXXX . I recieved a letter from them attempting to collect a debt. I sent XXXX XXXX XXXX XXXX a certified letter return reciept. The letter was an order to cease and desist dated XXXX/XXXX/XXXX. XXXX XXXX  which is a member of XXXX XXXX signed for and recieved the certified letter on XX/XX/XXXX. XXXX XXXX has now been notified twice to cease and desist and they have ignored all attempts to get them to stop. They keep assigning the account to another law firm who is a member of their colleciton agency. All of the attempts are from members of XXXX XXXX. In the last two months I have recieved calls from an attorney 's office called XXXX, XXXXXXXX XXXX XXXXXXXX XXXX. They call but do not leave any messages. The latest call came from number XXXX on XX/XX/XXXX at XXXX. The call before that came in XX/XX/XXXX from the same number.
They will not let me close my bank account. 
I tried closing it on the phone just now but can not reach a customer representative. 

I just sent a message on the website but I have no idea how that will work out.
THIS COMPANY IS TRYING TO COLLECT A DEBT I DO NOT OWE. IN XXXX I DID NOT HAVE XXXX, I DID NOT PAY MY OWN BILLS BECAUSE THEY ARE PAID THROUGH COMPANY WHERE I WORK. I DONT EVEN HAVE THE PHONE UNDER MY NAME. ITS IMPOSSIBLE TO BE MINE. THEY HAVE FRAUDULENTLY PUT IT ON MY CREDIT REPORT, JEFFERSON CAPITAL SYSTEMS {$XXXX} {$540.00} XXXX accounts reported on XXXX XXXX, XXXX XXXX account reported on XXXX XXXX, XXXX This agency did not report an open account to this bureau. 
Open Account # XXXX {$540.00} Balance XXXX Original Creditor {$540.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 
Responsibility Collection account Remarks Note
Lexis Nexis, on or about XXXX XXXX XXXX, reported inaccurate information on a consumer report they provided to the Office of Personnel Management. Report prepared was a consumer report under 15 USC 1681a ( 603d ) because it was a written communication, prepared in the ordinary course of business, containing information bearing on my credit capacity, character, or general reputation, known to Lexis to be used for employment or determination of credit worthiness. 
Lexis reported that I was late on my mortgage in XX/XX/XXXX and XX/XX/XXXX ( Account reported as XXXX. That is inaccurate information. At least XXXX of the XXXX NCRAs report this account as having never been late. Further, when I filed a previous complaint, XXXX, the relevant company denied reporting any prior late payments. 
Bottom line, Lexis prepares consumer reports in the ordinary course of business and, therefore, under the FCRA, they are required to take steps to ensure maximum accuracy. Because XXXX of XXXX NCRAs report XXXX on-time payments for this account, Lexis was reasonably on notice its information was inaccurate and failed to take steps to ensure maximum possible accuracy.
I contacted PDQ on Several occasion asking them to provide me with proof that this is my debt. I do not owe this debt and they continue to report inaccurate information on my credit file. I sent PDQ a dispute letter on XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; and now XXXX XXXX, XXXX and they still have not complied with my request. I need you to assist me in getting this matter taken care of.
I submitted a request for investigation to Experian using their Online Form for several inquiries that I did not approve. I asked Experian to collaborate with the creditors/lendors/entities to ensure that there was permissible purpose and approval from me to actually look at my credit file. I do not have an account with these companies, they have not extended credit to me, and do not recall giving them signed approval to access my credit file. 

Experian provided me with a Dispute Report # XXXX on XX/XX/2018 basically stating that the inquiries were actual requests for my credit report. That is indeed a fact, however, under the Fair Credit Reporting Act, I am entitled to know if these companies have proof of permissible purpose to pull my account, which I'm attesting that they do not. I followed up with Experian via a written letter asking them to validate with the companies that they have approval. 

At this point it is clear that Experian is not actually going to truly investigate these Inquiries. It is obvious that they are declining to provide me with the description of their procedure used to determine the accuracy and completeness of the information they are reporting, as requested by me in writing. These unverified inquiries are still lingering on my credit report and dragging my score down. Experian is not in compliance with FCRA and are validating my rights under FCRA which requires them to perform a true investigation upon a consumer dispute. I simply asked them to provide me with proof that the companies had a permissible purpose to pull my credit report but they willfully continue to be in violation of my FRCA rights. 

I'm simply asking for help from the CFPB to ensure that Experian is in compliance with the rules, laws, and policies that they must adhere to as a credit reporting agency, according to FCRA. 

The unverified Credit Inquiries that I would like removed are : * XXXX XXXX XXXX XXXX * XXXX * XXXX XXXX * XXXX XXXX ( first instance ) * XXXX   XXXX  ( second instance )
I am a home owner who has fell on hard times and unable to make my payments on my home mortgage. I am trying to do the right thing and apply for a Short Sale. I have provided all requirements for the short sale including a qualified buyer. My home is in need of many repairs and located in an area that is predominately lower class rental properties. We have a buyer for my home and submitted to my lender for approval, but my lender will not negotiate. They have advised, " This particular investor has a strategy that is not value based. Caliber is the servicer of this asset. The owner of this asset determines the amount of loss they are willing to take and when they are willing to take that loss ''. My Realtor has showed me that my home is only worth around {$70000.00} and the investor behind my loan will only accept {$100000.00}. My Realtor has explained that due to the repairs, location and sold comparables, there is no way I can sell my home for {$100000.00}. I am at a loss of what to do and it does n't seem like the investor behind the loan is willing to give me a fair chance at selling my home for what it is truly worth. I have requested a copy of an appraisal and they again advised that the counter offer is not based off any particular value and just what the investor is willing to take. There has to be another option or some way to be able to sell my home for what the home is actually worth.
I had my home inspected XX/XX/XXXX and everything was fine. I signed up with XXXX XXXX XXXX firm in order to manage my property at XXXX XXXX XXXX XXXX, XXXX, GA XXXX, from XX/XX/XXXX - XX/XX/XXXX. The firm found a renter for my property beginning XX/XX/XXXX. From XX/XX/XXXX - XX/XX/XXXX the tenant racked up approximately {$4000.00} in maintenance repairs. I continually complained to XXXX XXXX and after speaking with the broker he decided to terminate our relationship because I informed him that I may have to contact the State Attorney General 's Office. Several things were not done, and the broker stated that I should be happy to have them take care of my home even though I paid XXXX money to complete repairs before the renter 's moved in. In addition, it was against the contract for renters to work on anything in my property. I was unable to switch to a new management firm until the sewer line was replaced. XXXX quoted me a total of {$4200.00} and I used the same contractor but was charged {$3400.00}. Currently, I have XXXX 's quote and my quote from the plumbing company in writing. I fixed the line after leaving XXXX XXXX XXXX and began working with XXXX XXXX. XXXX did not contact me regarding any bills from that point forward. XXXX XXXX billing office released all funds ( Security Deposits ) to the new management firm, so why did they place a statement on my credit report stating that I did not pay something. I do not disburse funds, they do! XXXX has my address because I do not live in XXXX, GA, and every billing statement has my P.O. Box address on it. XXXX XXXX can not use the excuse that they sent the bill to the renter 's address when they know I do not live at this address. I want this negative charge off removed from my credit report. The home is co-owned and another letter will be submitted for my mother XXXX XXXX regarding her credit report and the negative statement that XXXX has wrongly placed on our reports.
I filed a chapter XXXX in XXXX which ended up getting dismissed because they never told me i had to turn in my actual tax refund. i received a call from them in XXXX of XX/XX/XXXX after XXXX saying I was in default due to their neglegance. When I made my payments for XXXX years never missing a payment. I had my XXXX hearing in XX/XX/XXXX they said they changed the info about my tax refund in XX/XX/XXXX without my knowledge. The lawyer wanted me to put approx XXXX into my bankruptcy as debt owed when in reality it was not and it would have made my payments go up as well so they went to court to modify and they just decided to dismiss it because I did n't think that was fair to me. They went to court without notifying me and just left a voicemail that the bankruptcy was dismissed. Therefore they dismissed their contract without my knowledge so I disputed that the bankruptcy was in error because I should not be penalized for that. That lead me to getting on a payment plan for parking tickets after 2 years this was the initial reason I filed a chapter XXXX to get my license back for court. At that time I was advised that I had to put my car into the banruptcy. When the bankruptcy dismissed I tried to pay the car out for XXXX dollars they said that was not enough. I went in XX/XX/XXXX or XX/XX/XXXX to trade the car in they offered XXXX at rogers auto group and they denied the payment and said I owed over XXXX dollars which was fraudlent. I owed about XXXX when I went into bankruptcy they paid a little less than XXXX dollars to the XXXX finance and out of trying to work with them they said I had to give them XXXX to keep the car and continue to pay XXXX mthly so I gave the car back they sold the car at the auction for XXXX less than what I offered and the trade in amount. On the deficiency letter it said amount owed XXXX which was correct they sold the car for XXXX and left a smaller balance now as of XX/XX/XXXX or XX/XX/XXXX these people added another sierra accont for over XXXX when they sold the car in XX/XX/XXXX I sent the letter in from sierra to all three credit bureaus and they refuse to delete the fraudlent items. how can I owe more money? The letter clearly stated I owed XXXX something but even with that they put a fraudlent account of over XXXX I have been disputing this since XX/XX/XXXX. Im frustrated and I am ready to sue because its wrong. Can you please look into this get it deleted and let me go on with my life. I called XXXX I emailed them and they still will not correct so once I sent it in XXXX and white they should have deleted the items. I have copies but I can not attach them from my work computer
good day my name is XXXX XXXX i tried to make a demand transfer to my account in my country but the money were taken and i did not receive nothing and i was charge for the transfer fee also tried to contact them by any chance and also the bank XXXX has send before a changing bank and isuees that dont help me with nothing i could not use my card to get money from a atm so i chose to transfer and i dont have now money on either account please get back to me as i have a problem and i need those money asap thank you i did the demand transfer on XX/XX/XXXX and they didnt enter in account even at this hour. Dear XXXX XXXX The following payment has recently been processed. If you did not perform this change or have questions about this communication, please contact Customer Service at XXXX. 

Please note the details below. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Transaction Date : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Sender : XXXX XXXX Recipient : XXXX XXXX Recipient Bank : XXXX XXXX XXXX Recipient Bank Country : XXXX Confirmation Code : XXXX Date of availability : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Transfer Amount : USD XXXX Transfer Fee : USD XXXX Transfer Taxes : USD XXXX Total : USD XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - FX Rate : XXXX USD = XXXX USD Transfer Amount : USD XXXX Other Fees : -USD XXXX Other Taxes : -UNKNOWN Total to Recipient : USD XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - You have a right to dispute errors in your transaction. If you believe there is an error, please contact us within 180 days at ( XXXX ), or log onto XXXX. You can also cancel this transaction for a full refund within 30 minutes of submitting this transaction. For further questions or to log a complaint, please contact the Consumer Financial Protection Bureau at www.consumerfinance.gov or call XXXX, XXXX ( TTY/TDD ) Sincerely, XXXX
I submitted a payment through XXXX XXXX whom then gives me a confirmation number, which then the funds are then drawn from my personal bank account. Seterus does not offer any other options for payments. I am elderly and on a fixed income, I have XXXX late payments and my account is current. Seterus is now saying I owe them a late fee for a payment that I clearly made to them. I called in to their care dept, they were not willing to help me and told me my payment confirmation number meant nothing to them and that I should than take issue with my personal banker for the lapse in payment. So I say again I 'm XXXX yrs old on social security with no other income and really ca n't afford to pay them for their clerical error. The funds have been in the bank since payment was rendered. Now They want me to travel to them and show proof of payment. I Am ready to give up. This company Seterus is awful and the web is litered with complaints of the same type of abuses. Please help me!
This is a complaint about American Express customer service. I have several fraud disputes open with American Express. They all concern the same merchant, dating back to XX/XX/XXXX. On XX/XX/XXXX, I noticed a new charge from this merchant on my card after I specifically asked about blocking this merchant. I called AmEx the same day. The fraud department representative advised the merchant was not blocked until XX/XX/XXXX. I had spoken to someone at AmEx several days prior - on XX/XX/XXXX or XX/XX/XXXX - and was assured they would block the merchant. This did not happen until XX/XX/XXXX and subsequently, a new charge was made to my card. On XX/XX/XXXX, when I inquired about the status of my investigation from XX/XX/XXXX, the representative did not know what I was talking about and asked which charge I was referring to. Each time I speak to someone from the company, I have to continually start at the beginning and go over information that they already have in their account notes. The fact that the company does not keep track of fraud complaints, nor follows through on their actions ( i.e., blocking this merchant in question ) is unacceptable, and extremely unprofessional. Their representatives appear incompetent, and have no ability to give answers that are not already from a predetermined script. I asked to speak to a supervisor, and was again given the run around ; the supervisor seemed to not know that my account had been flagged for fraudulent activity, and made no attempt to ascertain the status of my account. After 25 minutes of this, I terminated the call. Additionally, even getting a fraud investigation open was a hassle. I spoke to general customer service representatives 3 different times before they finally referred me to a fraud specialist. The fact that it took three phone calls before anyone bothered to notify the fraud department is also unacceptable. And when I did speak to a fraud representative, I was informed their system did not have the same information as the customer service system, and I was made to detail my entire story again.
JP Morgan Chase has not shown proof of paying my taxes to XXXX County. I have a contact at the county who has contacted Chase but the issue is over two months and has not been resolved despite assurances from Chase that they would look into the matter.