WillisBack/dataset-financial-user-claim huggingface dataset:
There is an account on my Experian report that does not belong to me. I have tried to contact the collection agency XXXX whom is reporting this account and the phone numbers are disconnected and the fax numbers are no longer in service. I disputed this account with XXXX and the response I got was this account was 'VERIFIED '. Experian did not verify this account because this company is no longer in business. I asked for the METHOD OF VERIFICATION that Experian used and got no response other than XXXX. There is no way that this account was verified if it is gone out of business. This collection account has ruined my credit score tremendously and I am using CFPB as the last resort before pursuing legal action. XXXX XXXX, XXXX, XXXX, and XXXX are all accounts that do not belong to me. I have disputed these accounts numerous times with XXXX as well as the collection agencies for VALIDATION and have not gotten a response in 30 days from the collection agency so I am certain that these XXXX accounts have not been properly verified through Experian. I requested signed paperwork with my signature on it for validation that this account belongs to me and XXXX nor the collection agencies verified not validated this fraudulent information. This is my last attempt for this fraudulent accounts to be removed immediately since they have not been validated.
I hold a Citibank Access More Card, and I have been an inactive customer, not having used my card for several months. Due to family medical reasons, I relocated to XXXX permanently from the US in XX/XX/2016. Approximately in XX/XX/XXXX/XX/XX/2016, I logged in online to close my Access More credit card account since I was no longer in the country. I noticed that Citibank Access More Card had assessed me an annual fee in XXXX. I called the bank and requested them to cancel the card, which they did. I have recently checked my Citibank credit card accounts again, and to my horror, have noticed that Access More card is reporting me as being delinquent on my credit card account ( 72 days delinquent ), because of annual fee not being paid!! When I called in, a customer care representative explained that because I had not asked for the card to be canceled within 30 days after the XXXX was assessed, they could not undo the " full '' XXXX before canceling the card, and hence a partial amount remained on the card, and my account went into delinquency!! This aspect / possibility was not at all explained to me when I had called into cancel my card. To my knowledge, the card had closed successfully. Citibank says that it sent notices to my brother 's mailing address which i had provided as a US address for the purpose of financial statements. However, to my knowledge I had closed the card properly, and the last thing I expect is delinquency notices from an account that I believed I closed properly. To add insult to injury, as I was trying to fix this issue, the customer representative offered to put me through to Collections department. It is utterly irresponsible, and exploitative, and predatory, on the part of Citibank to assess Annual fees on inactive accounts, and based on a technicality, to push an inactive account into delinquency!! Such practices should be banned, and employees who dream up such " Gotcha '' moves should be sent to jail for the anguish they cause customers. I request CFPB to order Citibank to restore me to " current '' status, and close out my account properly, without any delinquency flags which will impact my credit record adversely. Thank you.
I was let out of a previous lease from XXXX and I was informed I would receive a bill after my deposit was deducted from the balance of the last month 's rent only if I owed. I was informed by the manager that I should NOT have much balance after deducting my security deposit. After not hearing back from the leasing manager, I called and was informed they were attempting to locate the paperwork from when I initially moved into the apartment complex since it was through a different company and they ( XXXX ) bought out the previous owners. The leasing manager confirmed my previous apt . # ( XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX ) and confirmed I was moved to XXXX XXXX XXXX XXXX after many of us was relocated different apartments due to fire. Months later I received a bill stating I owed {$780.00} with no deduction of my deposit. There was no damage to the apartment, no clean up fees attached no nothing but this balance for the last month 's rent. Later I wrote them online through their website and never received a reply. I also wrote the management company and never received a reply. I then later received a bill from a collection agency with a larger amount, when I called them they stated it was due to interest. I explained to them the inaccuracies and informed the collection company I should not have a balance, but it did n't matter to them.
I have contacted Loan Care about payments I have made not being applied and they are now reporting late payments to the credit bureaus and are ruining my credit. I have contacted them multiple times and they have now applied my payments but not according to the dates I paid them. They will not issue me a letter or correct their false reporting to the 3 bureaus ( they said I have to send them my credit report to show them ). They are also not applying the payments I made correctly. They applied some to principal and not enough to escrow. I have been hung up or disconnected on the phone by them 3 times and they never have a supervisor there to speak to me.
The credit reporting agency is still showing a balance of {$140.00}. I have no balance with XXXX XXXX. I owe a XXXX balance with this creditor I have a receipt to prove I own no balance.
XXXX XXXX charged me for 2 accidental death insurance plans long after I canceled both plans in writing. I asked them to credit my account when I realized they were still charging me. They did not. The account was submitted to a collection agency and sold. I have not received a demand letter, nor have I been given the opportunity to dispute the disputed portion of the debt XXXX XXXX assignee of XXXX XXXX XXXX XXXX XXXX placed the account with FederatedLaw who in turn filed suit against me. 
I called and verbally disputed the debt and requested that they document my dispute. 
I asked for a payment plan for two months or until the balance dispute is resolved. I offered the same two - month payment plan until XXXX 2018 at which time I can settle the portion of the debt I owe after filing my taxes. I admit I owe something but not the entire amount this group is unwilling to work with me to resolve this debt. I even asked for a consent order with payments until I file my taxes and can settle they are unwilling to work with me, I do n't want to file a Chapter XXXX I want to pay what I owe I need someone to correct the balance and give me a plan for 2 months until I can raise the money.
Experian is not responding to any of my numerous requests to investigate, verify and remove some accounts from my credit report that do not belong to me.
I went to XXXX XXXX at XXXX in XXXX and XXXX school year. Graduation was in XX/XX/XXXX. I took out 6 loans via XXXX. They were 2 Federal Unsubsidized Stafford Loans 2 Federal Subsidized Stafford Loans 1 Fed Direct Grad PLUS Loan For roughly $ 55K total The loan rates varied between 6.5 % -8.5 % - which I was told would be able to be refinanced as they were too high and that was not true. 

After school, those loans were sold to different companies, all of whom I had to chase down to figure our where/how to pay my bill. The different companies were XXXX XXXX XXXX XXXX XXXX   Over time, I paid of 2 of the loans as well as paying monthly payments. 
I think that's all and then I was contacted by XXXX XXXX XXXX XXXX ( which no longer exists ) and swindled into consolidating into 1 loan - they said it would lower interest and put me on a PAYE to lower payments as I was struggling living in XXXX trying to make them. Unfortunately, that was also not true, my percent is 7.75 % ( 7.5 % with auto-pay ) and while I have a PAYE, my balance continues to grow and is now 41 % HIGHER than I borrowed. It feels like a black hole. 
I have repeatedly asked for a way to lower the interest rates and I have been told that only an act of Congress could do that. Additionally I have verbally and in writing ( via their website ) requested that payments could be applied to the principal. They said no, only when interest is done, later they contradicted by saying that if I paid more than the minimum payment, I could direct that to be applied to principal. I just submitted an excess payment and specified that it should be applied to a loan section with less interest and a lower amount and they refused to do so, holding it as " pending '' until the next billing cycle and then not applying it where I specified. I am infuriated and fed up with being taken advantage of. 
I have asked for a copy of my Master Promissory Note, my servicer told me I had to go to the studentloans.gov site to find that - there is no record of it there, when I emailed to ask where it was the studentloans.gov site told me I had to ask my provider for that. It seems no one can produce my Master Promissory note. I have also asked for a complete record of my accounts what I have paid who as I am trying to determine what I have actually already paid as my balance NEVER GOES DOWN. Please advise.
This number XXXX calls me 10-20 times daily. I have called them several times to find out why. They are collecting a debt for a person I do not know. I have told them that I am not that person.
I have been monitoring my credit as I getting ready to purchase a home. As of XXXX XXXX XXXX I noticed that the XXXX XXXX Child Support Enforcement hit my credit for XXXX plus points on my XXXX XXXX and other reporting agencies. I 've tried to dispute on XXXX XXXX, it did nothing. These are dating back in XXXX. I have n't been late on Child Support in 5 years, as I 'm ordered to make double payments. When I contacted the XXXX XXXX Child Support Enforcement office, they informed me that XXXX gave it to XXXX to handle. XXXX hit my credit for god only knows what reason. It needs to be removed immediately and both XXXX and XXXX should be investigated.
It appears my bank has reordered the sequence of transactions so as to charge me {$100.00} in overdraft fees instead of {$34.00}. There were XXXX transaction of XXXX/XXXX/2015 : {$10.00}, {$100.00}, and {$1500.00}. The first XXXX were covered with funds of {$1300.00}, however Chase ordered the # XXXX check first.
I have had a Gap store credit card that is not associated with XXXX for several years. Today I received a notification that Gap was sending me an " upgraded '' new Gap Visa Card. This appears to be an unrestricted Visa card. This was completely unsolicited. In the letter there is information that I must call on opt out of the program if I do n't want to receive the new Visa card. I feel this is predatory behavior on the part of Gap or the bank that represents them, Synchrony Bank. Not to mention it has an APR of 25.24 %! If I did not pay close attention to this letter I would not have known I was required to call and opt out. It should be the other way around. The consumer should be required to opt in if they want to issued a Visa card.
Midland Credit Management has purchased many old debts from previous lenders of mine and claiming amounts I do n't owe. In some cases, they are somehow updating debt 's last activity and keeping accounts that are over 7 years of age on my file. 

Someone needs to monitor this company, they are asking me to write a letter and accept all the debt, before even negotiating with me to resolve it. I am being victimized by this entity, I am a father and supporter of many. My fico score is being very heavily affected and life is more expensive for me. 

MCM XXXX
Couple of months ago, I contacted XXXX about Capitol Mortgage Service Co. out of XXXX, TX because they were not reporting my payment history being made to all credit agencies. Then they report to ONE credit agency in XXXX and XXXX closed the case. They did not report since then nor to the other agencies. On XXXX and XXXX  agency it shows my last payment in XX/XX/2018, it is now XXXX On XXXX  is shows my last payment in XX/XX/2018. 
I contact Capitol Mortgage Services- -again and I was told " there is a process we have to use, we are doing the best we can '' - -at this point, I told her their " process '' needs to be reviewed and please update my payment history, it brings down my credit scores, I was told they are " working the process. '' All In the world I am asking is for them to keep my payment history updated. To ME, this is not a hard situation, but it seems that way with this company. I have never had a problem with mortgage companies NOT doing this before.
Hello, I bought my house in XXXX XXXX. My initial mortgage payment was {$510.00}, which I paid for the year. In XXXX XXXX, I received a notice from my mortgage company that my mortgage payment leapt to {$640.00} per month ( apparently due to an escrow shortage. ) After numerous phone calls, I discovered that my mortgage company had charged me {$0.00} for the first year 's property taxes. 

This is extremely frustrating for me as I would n't have bought this house had I known that the mortgage payments would be so much higher than what I agreed to when I signed for my mortgage. 

Thank you, XXXX
I was informed that the CFPB could help me with some accounts on my credit that are not mine. I have reached out to the creditors and the FTC. I am really trying to do some things for my family and I cant because of these items : 1. XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX. XXXX  : XXXX 2. XXXX ( Equifax : XXXX. XXXX : XXXX, XXXX : XXXX 3. XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX  : XXXX.
I just went to pay my mortgage payment. I do it using a online system, was surprised to find my mortgage not there. When I called I was told my mortgage had been sold. To my knowledge I was supposed to be notified 15 days prior. I have no clue who owns my mortgage now and who I pay. I have never been late in five years of owning this home loan on XXXX payment.
My wife and I signed a deed of lieu off foreclosure on XXXX XXXX with BSI Financial Services, with the agreement of a XXXX check of {$10000.00} for relocation fees, we vacated our premises on XXXX on XXXX per our agreement. and we still have not received the XXXX check from BSI financial Services.
When credit bureau experian and XXXX are pulled by lenders XXXX is my credit score. I have more than 10 year 's of established credit. Also, for some time now XXXX states that credit files split into XXXX with that beingvsaid I have missing positive information on only my XXXX. I spoke to the office of consumer affairs and they advised me the credit splitting and not reporting years of established credit is an error with their database. Why should their error be at my expense?
Experian was contacted over 30 days ago regarding items that were not verified correctly as mine.Experian is the only company that is not investigating this item. It is violation of FDCPA, FCRA and I have no knowledge or ownership of this item. Expeiran has  shown no indication that they've investigated as well. Also, there was an account reinserted/added without my knowledge
I recently reviewed my Experian profile and found a hard inquiry from a "non-account" holding creditor named XXXX XXXX and XXXX XXXX XXXX on XX/XX/2018.I've never gave permissable purpose thru verbal or written authorization to view my credit profile. This may be a case of predatory tactics often used by some auto dealers but without the consumers authorization. I've never received any type of confirming denial or approval of any loan I allegedly applied for with this company.I wrote a letter to dispute the inquiry and requested proof from Experian & XXXX XXXX of authorization by me or delete from my Experian credit profile immediately! This hard inquiry is suppressing my credit score.I have attached images of the letter I sent XX/XX/2018
Capital One allowed charges to be made on my close credit account of {$14.00} after sending two statements with a XXXX balance. I reconfirmed with the agents over the phone to confirm the amount and made an extra XXXX XXXX payment when I closed all my accounts on XXXX XXXX2017. Now suddenly they claimed they missed a charge but did not catch it until weeks later in the XXXX statement. I only paid the amount so I will not be charge any other fees while I dispute the transaction. I informed the agent that I am disputing the charges. Again I am told this account is closed with no outstanding balance.
An unidentified vendor has been charging my checking account {XXXX}, every week since XXXX/XXXX/XXXX. I have n't been able been able to identify who the vendor is. On my Bank of America checking account, it just says the following : XXXX ( 4-digit date, i.e. " XXXX '' ) Social Payments XXXX CA ( transaction number, i.e. " XXXX '' ) Please help! I thought this might be for social media, but it does n't appear to be connected to any of the other accounts I currently pay for ( like XXXX or XXXX ). 

Thanks for any help you can provide.
i had equifax credit monitoring i cancelled it, since they refuse to send me my credit reportafter sending them my identfification information like social security printouts, id cards andcredit cards bills, medicare cards copies of all with my XXXX XXXX XXXX on the informationfor all documentsw sent including the irs document of identiy theft declaration. i have calledthem on a number given to me by the FTC answered questions that only i would know, ibeleive thier employees are involved in a fraud operation or doing identity theft to consumers other agncies there is no problem getting my report, it has been 14 monthsand a total of XXXX spent trying to get my credit report.
I opened an account with citizens bank in XX/XX/XXXX at XXXX pa there was an offered during that time if you open a checking account you will receive XXXXbucks after 6 weeks of having the account opened I kept calling and they kept pushing the dates back they gave me a letter saying I shall receive funds by XXXX XXXX and I called the branch and no one knows what happened to my offered and they told me directly over the phone with they know if issued me the offered,. This is complete false advertisement and fraud..
According to Experian, XXXX and XXXX my report publish information should be removed. Inquiries on my XXXX report by XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX these inquiries were not authorized by me. A  collection from a phone company I never had. The collection account is reporting on all three credit reports : XXXX XXXX for XXXX I constantly dispute it will come off, then return back. Again these actions were not my doing.
SELPORTSVC ACCT # XXXX I was in a loan modification and was told why I was making the modification payments I would not be reported late.
i filled a dispute with Citibank regarding a purchase of {$66.00}. This was not authorized by me and I have told this to Citibank numerous times. This charge was during a trip to XXXX and the hotel charged me the {$66.00} for something I did not authorize. Citibank has refused to credit back the account saying that the hotel provided receipts. These receipts were all in XXXX and XXXX currency, I did not see why the charge for {$66.00} was on my account. Citibank denied my claim. This is unfair because I was not responsible for this transaction.
On XX/XX/2019 at approximately XXXX XXXX I went into XXXX, XXXX XXXX Store in Florida to make a purchase using 2 {$5.00} Bucks I had. When I arrived at the cashier to cash my purchase she told me I could get a further 20 percent off the items which I gladly appreciated. 

She went on to applaud me on the savings I had gained and then it was time to pay. I inserted my card and realize the machine was asking for my Social Security number number, I asked why and she replied it was the reward of 20 percent she had given me, I proceeded to pay my bill. 

When she handed me my receipt she says your card will be coming in the mail and I asked what card? She replied you can use your receipt to make purchase until the card arrived, I immediately realized what had happened she had tricked me into a credit card which I never asked for or needed. 
I immediately exited the Store and called Customer Service to report the event. My only recourse from their Credit Department was they gave me credit bureau number to call and report the issue. Since then I have called the credit bureau but was informed the store had to remove the hard inquiry on my credit report. I subsequently closed the credit card 2 minutes after existing the store. My credit will be affected as a result and I now realized how difficult this will be to get the store to do right by me. 

I went back to the store spoke to XXXX, she says she was the manager. She gave me this XXXX to call to try and get a result. 
Thank You
I feel like I 've been a victim of identity theft and contacted the credit bureaus right away. I explained that I contacted the creditor and XXXX told me that this account belongs to someone else with a different address. So I did everything that the Experian representative told me so that these accounts would come off. I checked almost every other day to see if anything has been done ; to my surprise, not even a dispute was placed on any accounts that we 've discussed. Then I was informed about your agency who keeps everyone in check. I am really hoping that these kind of business is not tolerated as we know that a lot of things depend on credit rating. We can not afford to have a XXXX bureau just because they can do whatever they want or not do what ever they do n't want even if its the right thing to do.
XX/XX/2018, XXXX XXXX changed the way that they report Student Loan debt to the credit Agencies. Instead of it being reported, as in the past, like Mortgage debt, it now displaying the interest that is accuring monthly. It's as if the interest has been capitalized! It has not been. 
My mortgage debt does not do that. It is an installment loan. My credit has took a major hit of at least 50 points! I tried speaking to them to get a better explanation, but no one was clear on how this happened! They just apologized! My credit will never be able to heal because of the way that they are now reporting this installment loan. How can this be fixed?
my forbearancea never updated correctly. proper paperwork never received no options were ever given to me to how to handle my situation. i am confused to where my accounts are half the navient accounts say one thing and then others say something else. this should n't be i navient updated all the loans i have with them.at the same time.. which is effecting my payment history
This is the third complaint regarding ATG. Yesterday I received in the mail a collection letter after XXXX XXXX XXXX sent a cease and deist letter. What part of cease and deist is n't understood?
They keep calling me, made phone contact at least XXXX times. they said the wrong persons name to me both agreed it was not me.They said the calls would stop. They did not I have blocked there number XXXX times they change the number and keep calling even changing their name!
Went in XXXX 2016 applied for vehicle loan, left with vehicle dealership needed more information a week later gave in mean time received a denial letter from finance company and as of yet still have n't received any information from finance company to pay my loan was told from dealership on XXXX XXXX 2016 everything was finally worked out
I received an attempt to collect a debt by XXXX on behalf of I.C. System, Inc. and I requested debt validation. I have yet to receive validation of this debt. Instead, I received a letter from XXXX stating that the account has been closed and returned to their client I.C. System, Inc.