WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, my name is XXXX XXXX. And I 'm a little concerned about this incorrect information that is inaccurate on my Transunion credit report. There is a collection on my report owned by XXXX XXXX XXXX in the amount of {$1500.00}. First, I have no contract or anything bearing my signature that would make me responsible for this debt as my contract was not with XXXX XXXX XXXX. Second, back in the beginning of XX/XX/XXXX the information was n't listed on my report, but was reinserted towards the end of XX/XX/XXXX. How is this okay? Also, the amount listed is incorrect. I have reached out to Transunion to correct the information, but they have not been very helpful. With all of the recent data breaches and such with these different credit reporting agencies. It 's very important for me as a consumer to have accurate information listed. I 'm hoping that the CFPB can resolve this issue for me and have the incorrect information removed from my credit report.
I was sent to a collection agency on XX/XX/XXXX for unpaid school taxes for XXXX. This occurred after receiving the tax bill on XX/XX/XXXX and forwarding it to Roundpoint mortgage ( my mortgage holder ), and a reminder on XX/XX/XXXX which also was forwarded to Roundpoint. The bill remained unpaid throughout. 

I contacted Roundpoint by phone after receiving the collection letter. This was the first of many calls that also included the school district for verification of the debt. The bill was finally paid by Roundpoint on XX/XX/XXXX. Unfortunately, as you will see from the supporting documentation, the amount paid inluded a {$420.00} penalty charge and a {$40.00} collection fee. I do not feel it is my responsibility to shoulder the fees as they were aware that taxes were to paid from my escrow account and they were aware of the bill for 14 months before it was paid. 
I would like the {$460.00} refunded to me and have asked as much from Roundpoint. Their stance is " there has been no error by Roundpoint in the servicing of your mortgage loan '' as evidenced in writing in an attached document.

Roundpoint 's service has been so sub-standard, and time-consuming for me, that we are in the process of refinancing with a different lender ( at a higher interest rate XXXX simply due to the fact that we do not want to do business with them.
I had a checking account with XXXX XXXX XXXX XXXX XXXX which I accidentally overdrafted in XX/XX/XXXX ( used checks from the wrong account ). The account went into collections with Kinum , Inc. out of XXXX XXXX, Virginia. Kinum reported the amount ( {$2600.00} ) consistently on my credit report through XX/XX/XXXX. On, XX/XX/XXXX, the full amount was withdrawn from my personal account paid to Kinum directly via ACH ( Auth # XXXX ) with promise from them that they would notify the credit bureaus and also XXXX XXXX that the debt had been paid. Since that time, they have stopped reporting to the credit bureaus ( nothing since XX/XX/XXXX ) altogether and my credit report still shows an open account with unpaid balance, but have also never reported the payment to XXXX XXXX via letter or email as they stated would happen. Additionally, XXXX XXXX still has not received the funds. I've called Kinum multiple times and their excuse changes each time. I've notified XXXX XXXX, but they can't do anything about it as it is in the hands of Kinum. At this point, it is clear Kinum has perpetrated a fraud and is holding the funds without consequence. 

Kinum, Inc : ( XXXX ) XXXX-XXXX
According to my recent XXXX credit report my XXXX account information has not been update to reflect my current payment status. This is unacceptable! I am working hard to create a better life for myself and would like all my payments to reflect my hard work. This error has probably caused points on my report!
I was solicited by Bank of America to transfer a balance with a a promotional 0 % on the transfer and purchases for 18 months. That is how it was presented per phone conversation XX/XX/2016. The very first purchase I made on top of the balance transfer was charged interest. When I called they said ONLY the balance t transfer was promotional. That was NOT how it was presen ted. I had a credit card with low interest rate. BOA has CSR that misrepresent. I called to make sure I asked all the right questions when I got their solicitation in mail. This is their MO. Since you NEVER know who you are talking to and where except today when I called to complain. I actually spoke to someone I could understand. Funny how that worked.
I was workig with a rental agency to rent an apartment and 2 hard inquiries were put onto my credit report from Credco within 12 days of each other. One on XX/XX/2018 and the other on XX/XX/2018. I contacted XXXX and explained the situation and asked them to remove one of the hard inquiries and they told me that they would not remove either of them and that I had to go back to the company that I was working with to have them remove it. The rental company said that they could not remove either of them because I had to talk to XXXX. So neither of the companies would help me resolve the problem.
Paid my statement in full {$250.00} by the due date of XX/XX/XXXX. This was scheduled online bill pay with my bank. They mailed it in enough time. XXXX posted the payment a day late and charged me interest and late fee. 

I emailed my bank thinking it was their fault and to have them resolve it with XXXX. 

However, when I emailed XXXX I came across the email they sent me that they DID receive the payment by XX/XX/XXXX. They didn't post it until XX/XX/XXXX however and charged me interest and fees. 

While trying to resolve this, another statement went out charging another late fee and interest. 

I sent the email attached proving I should have NEVER been assessed late fees or interest since I did pay by the due date but they only agreed to waive one of the late fees since I didn't pay the late fee that shouldn't have been assessed by the due date.
I have send several letters out to Equifax about hard inquiries I have 43 hard inquiries on my credit report I have disputed them but have not heard anything from XXXX, Equifax, XXXX I have 18 hard inquiries on XXXX 43 on Equifax and 16 on XXXX  it has been over five months and I have not heard for any one
my car was taken while I was in the hospital but payments were auto pay. the company were afraid a tow company would take title for storage. so basically they forced the repossession, on a car that was up to date on payments
On XXXX XXXX, XXXX, I disputed a report of a tax lien that was reported on my Transunion report by XXXX. My credit report of XXXX XXXX, XXXX, file number XXXX shows this item was deleted from my credit file. Now I notice this item has been reinserted on my credit report as of XXXX XXXX, XXXX file XXXX. FCRA 611, Procedure in case of disputed accuracy [ XXXX. XXXX ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.
XXXX in XXXX, Az, erroneously sicced Southwest Credit Systems on us for a nonexistent amount owed. XXXX has conceded three times on the phone that the " debt '' is a mistake and that I am owed a small balance. Despite this and despite attempts to get Southwest Credit to leave us alone, reps of the collection agency call us just about every day, sometimes multiple times, except on Sundays. Southwest Credit also refuses to discuss the matter unless I provide personal information that I am unwilling to divulge over the phone in this age of identity theft. Southwest Credit is a rapacious, annoying and unreasonable collection agency that must stop its practices toward me.
Navient is applying portions of my private student loan payments to each of my loans, with less money going to my highest interest loans, and more money going to my lowest interest loans, automatically. 

Also, they make it virtually impossible to deal with any issue. I have called tonight about this issue to get it resolved and spoken to XXXX different people and been on the phone for XXXXminutes. You are sent to the XXXX or XXXX, back to the U.S. and then to 2-3 people at least. It seems that they have intentionally structured their contact with customers in a way that makes it really difficult to make any changes to the account ( e.g. adjust payments so that they go to the highest interest loans before the lowest interest loans ) or to get answers from anyone. No one person can handle all of your issues. You have to be shuttled from one person to another and they will not interact via email, except statements and other generic emails. I have spoken to no fewer than XXXX people ( in and outside the country ) and have now just completed a XXXX minute call to get this resolved. Still, the issue is not resolved and they have to have someone call me back. They compartmentalize handling of any one particular issue so that their employees can not possibly see or find any issue with they way they do business because they ca n't possibly understand the big picture, as they only see XXXX small piece of it. 

Has anyone else had this issue concerning allocation of payments to lowest interest loans first? or had a similar issue with how they have constructed their customer interactions?
I am a victim of identity theft and I received a fraud alert in regards to unauthorized and fraudulent credit inquiries listed on my Equifax credit report. The following inquiries credit inquiries are unauthorized and fraudulent : XXXX XXXX Bank, 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.
I WAS ENROLLED TO XXXX XXXX IN XXXX IN XX/XX/XXXX - THROUGH XXXX - THEY GOT ME XXXX PRIVATE LOANS THROUGH THEIR LENDERS AND FED STUDENT LOANS - I WAS BORN AND RAISED IN XXXX, PA AND EXCELLED IN XXXX SCHOOL AND XXXX COLLEGE -I TOOK THEIR ASSESSMENT EXAMS AND PASSED THEM AND WAS ADMITTED TO XXXX XXXX XXXX HOWEVER, I ALONG WITH SEVERAL STUDENTS STRUGGLED UNDERSTANDING XXXX INSTRUCTORS, WHO WERE TRYING TO TEACH US IN ENGLISH, AND THIS BECAME XXXX AND I COULD NT UNDERSTAND THEM AND COULD NT FOCUS. SO AFTER 2 YEARS I DROPPED OUT AND STARTED FROM SCRATCH IN XXXX COLLEGE IN XXXX FIELD - I RESUMED MY STUDENT LOAN PAYMENTS WITH XXXX ETC ... BUT WAS UNABLE TO REACH MY LENDER DIRECTLY WHICH HAD SOLD MY LOAN TO 3RD PARTY - XXXX XXXX XXXX, WHICH ADDED HUGE COLLECTION PENALTIES TO MY LOAN - AND THEN KEPT CHANGING COLLECTION AGENCIES - I 'VE MADE ATTEMPTS TO REACH A REASONABLE PAYMENT PLAN WITH THEM, BUT NO SUCCESS - RECENTLY THIS LOAN WAS SOLD TO TRANSWORD SYSTEMS INC- ACT / # XXXX - I FOLLOWED UP WITH THEM TO SET UP SOME REPAYMENT PROGRAM, THEY SAID THEY CAN NOT DO IT, AND WILL FILE JUDGMENT AGAINST ME AND FORWARDED MY ACCOUNT TO XXXX X XXXX XXXX ON XXXX/XXXX/XXXX - I FINALLY REACHED HER AND SHE SAID THAT SHE DOES NOT SEE THIS FILE WITH THEM, BUT WILL REPLY BACK, WHICH SHE NEVER DID, -FINALLY, I CALLED AND LEFT VOICE MAIL FOR THEM FOR FURTHER ASSISTANCE AND GUIDANCE. - BASED ON MY RESEARCH, XXXX XXXX XXXX HAS DESTROYED STUDENT 'S CREDITS AND FUTURE BY NOT WORKING WITH THEM. 
ALL I 'VE REQUESTED THEM IS TO WORK WITH ME, SET UP REASONABLE TERMS / CONDITIONS FOR REPAYMENT PLAN- I 'VE GOT A GOOD PAYING CONTRACT JOB AND AM WILLING TO MAKE PAYMENTS XXXX XXXX XXXX I HAVE ATTEMPTED TO REACH XXXX XXXX AND WAS ADVISED THAT SHE NO LONGER WORKS THERE, INSTEAD I WAS ASKED TO SPEAK WITH SOME GUY, WHO CLAIMED TO BE MANAGER ( DONT RECALL HIS NAME ) I HAVE RECD LOAN COPIES, ITS PARTIAL PROMISSORY NOTE, ITS MISSING SEVERAL PAGES AND MY SIGNATURES. 
ALSO, I 'M REQUESTING THAT MY DAD XXXX XXXX XXXX CELL-CAN BE CONTACTED FOR FURTHER COMMUNICATION ( I AUTHORIZE HIM TO SPEAK WITH YOU ) THANKS
XX/XX/XXXX received phone call from Portfolio recovery associates tel # XXXX spoke was asked to verify last 4 of SS #. I was told that they were calling to collect a balance on 2 separate accounts. the accounts were from the year XX/XX/XXXX. not only is the statute of limitation exceeded, these accounts were discharged in bankruptcy in XX/XX/XXXX ( 12 years ago ). I was passed around to 5 different people at this company who kept asking for verification of SS #. we do not owe any money to XXXX XXXX or XXXX XXXX as stated by the individuals at portfolio recover associates. they continually asked how we were going to make payment to resolve these accounts. I believe this company is in violation of the federal bankruptcy laws as well as NJ Law on collecting debts that are way beyond the statute of limitation. they are threatening to damage our credit rating by reporting these old debts.
dear sir i did respond with a dispute-this is my XXXX complain on caliber home loan -- i did call to XXXX rep on this loan modification and geting deterrent answer-they asking me again and again to send them paper -- -please ask them to tell me in righting what they wont -- going to send them again-spoke on-XX/XX/2016 to id XXXX-on -XX/XX/2016 to id XXXX -- on XX/XX/2016 to id # XXXX also spoke to id # XXXX -- -also on this date spoke to manager XXXX id # XXXX they wont me to send again to them what i already send them -- -- -- -- -- also have a co helping me with all the paper theta they asking co name XXXX-debit management credit consulting i am sending back to them paper theta thy asking -also sent 2 email on the site caliber home loans -- -- on XX/XX/2016 i did send them all what they need, a-3 party send them all the wont to do a loan modification going to send them again -- can they be specific what they wont -please help-than you, please have them send in righting what they wont XXXX,
My student loan servicer is Navient. I have inquired with them on two occasions about the possibility of lowering my interest rate ( it 's 8 % ) or lowering my payments/canceling my loans. I have been consistently paying $ XXXX/month and getting now where. I still have $ XXXX in outstanding debt. Due to my divorce, I have come into a lump sum of money that I would like to use to pay off my debt, but it 's only about 75 % of what I owe. Navient will not discuss terms, options or anything else of the sort. The customer service reps will not elevate my calls to management to see if we can discuss further or find options/solutions. They are a total roadblock. I 'm XXXX yrs old and do n't want to be XXXX still paying off loans, which is what it will be if I ca n't get a resolution or change in plan.
I applied for and received a mortgage modification. However, the amount that my lender acquired to finance my modification far exceeded what I believe to be appropriate for my loan. As a result, I am repaying approximately twice what I calculated necessary for gap financing. I am seeking relief in the form of a determination of what was actually required to bring my previous loan current, and an adjustment of my loan to reflect that amount.
On XX/XX/XXXX, I sent through CFPB XXXX Case # XXXX XXXX, a dispute on an unrecognizable entry XXXX Discover credit card, joint account ) on my credit file that was not mine. 
After Discover 's investigation, on XX/XX/XXXX, I received Discover 's final response ( through CFPB ) which reads in part as follows : " Based upon your assertion that you were added to the account without your knowledge, as of XX/XX/XXXX we have removed your name from the account and sent updates to the credit bureau reporting agencies requesting that the account be removed from your credit files. Please allow some time for this update to reflect on your credit reports. The Credit Bureau Reporting Agencies that we report to are XXXX XXXX, XXXX and XXXX. " On XX/XX/XXXX, about 7 months later, I contacted XXXX to make sure they did what Discover requested them to do and that was to remove the Discover listing from my credit file. It was not done. To find out why it was not removed, XXXXat my request, XXXX sent my dispute reinvestigation request to Discover and Discover responded XXXX via XXXX XXXX which reads as follows : " We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. " I do not know what 's going on here. The Discover letter XXXX dated XXXX/XXXX/2014 ) I received and the Discover representative assigned to investigate my dispute through CFPB case # XXXX, that the case was closed ( desired resolution in my favor ) and that Discover has removed my name from the account and sent updates to the credit bureau reporting agencies requesting that the account be removed from my credit files. 
So with all that being said, why is Discover saying that the account belongs to me when they stipulated in the closed resolution letter dated XX/XX/XXXX enclosed, that they had taken action to remove my name from the account and so forth as stated above. 
There seems to be communication problems within Discover for the reason this action should have been taken care of months ago. ( removing my name from account and XXXX removing Discover listing from my credit report ).
XXXX  will not unfreeze my account. Trying to buy a house but  XXXX  says that I have a 7 year alert but refuse to remove alert in which I did n't agree to.     Experian will not unfreeze my account.trying to buy a house but experian refuses to remove the alert or freeze on my credit report in which I did n't agree to.
I asked experian to inform me on the methods that they used to validate a collection on my credit report from XXXX XXXX XXXX. I also asked them to give me the information of anyone they have contacted at the collection agency to validate my debt. In the letter i stated that " Any automated response, or XXXX verification is unacceptable. I am requesting a re-investigation AND your method of verification '' but I still believe that I received an automated response. Experian also didn't produce any documentation proving that I indeed owed the debt. The debt was also removed from my account previously and then reinserted in XX/XX/2017 and I did not receive a written notice within 5 days of them reinserting the debt onto my credit file. I believe this is a direct violation of the fair credit reporting act. 
In response to my second letter, they stated that they would not re-investigate the collections account but they did not send me any form of validation or verification proving why I owed such debt.
This Company has place a Account onto my credit report on XX/XX/XXXX the date assigned was XX/XX/XXXX. I have attached the screenshot from my XXXX Credit Report. This company DID NOT notify me of any account before they placed this onto my Report. As you can see I had no time to Request A debt Validation nor Dispute that I am the owner of the debt. This company practices is in violation of the FDCPA Section 807 ( 8 ) ( this law is for said collection agencies ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Texas Finance Code Section 392.101 requires that a third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section.
I had a large job camcelled last fall. No money, but I got some Smaller jobs to help pay other bills. We applied for a HAMP modification about XXXX months ago. And the requests for the additional documents never stopped. " Oh, those XXXX are 90 days old now, you have to resubmit ''. Etc. each and every time they ( SPS ) was reviewing my file, they told me " this may be referred to an atty for legal action. I finally said, " are you allowed to say that while we are in the Federal HAMP program ''?. " Everything we do is in accordamce with the law I was told last week. I resubmitted my wife 's XXXX last week. I call back today for an update ( i called a day after I sent the XXXX to make sure they got them, amd they did ) and the woman tells me " your loan has been recerred to an atty for foreclosure. But no date has been set. 
And then she adds " it may take up to 30 days to review the HAMP application ''?! 
Is n't this called dual tracking? Formerly called parallel foreclosure? 
XXXX. 
I have spent the last 3 months linkng up work to get a large chunk of the arrearages paid down, ( XXXX-XXXX out of {$18000.00} ) and am working 6 & 7 days per week. And now they pull this? I thought the various " settlememts '' among the state AGs were to put an emd to this. I will have to speak w an atty about filing a complaint for mental duress. Or similar. Please see what you can do. 
Sincerely, XXXX XXXX
I ran credit report today and my credit rating is dropped by over 100 points due to Amcol Systems report for alleged debt or {$970.00} has been sent to collections. The alleged debt was originated from " XXXX XXXX Emergency Room '', which is part of the University XXXX XXXX XXXX XXXXXXXX. I was treated for a severe XXXX XXXX, and paid for the emergency room before I left. Months later I received a billing which I took to that same facility and told them the amount was excessive. I did not have health insurance and was told the debt would be written off. At no time during my emergency room visit was I told about potential costs or additional costs that may be incurred while the doctor performed additional XXXX and such to protect from malpractice. The XXXX were not needed for treatment, and were only for malpractice protection and were not ordered by me. I moved from XXXX and Amcol Systems has NOT provided me with option to dispute this debt as required by law. Amcol Systems is attempting to collect a debt that is not owed, and has adversely affected my credit score which will cost me nearly 2.5 % higher interest rate which will be nearly {$400.00} per month higher interest cost on my home mortgage.
One of the 2 accounts from USAA is showing correctly, however one was  not closed correctly with USAA, making it show negatively where they closed the account because it had been fraudulently compromised.