WillisBack/dataset-financial-user-claim huggingface dataset:
I am filing this complaint because a company called IC System is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$200.00} but I have never done business with them or signed any agreements with this company. The account number on my credit is # XXXX. I 've done some research online and I have only come across complaints by other consumers who have been harassed and scammed by this company. It is listed that they are based in XXXX XXXX, MN and I have never lived in Minnesota in my life. I live in Georgia. This company has several negative reviews and over 616 consumer complaints listed on the Better Business Bureau 's website. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
this company is attempting to collect money from me and reporting a debit I don't own to my credit report resulting in financial hardship due to negative credit impact.
XX/XX/XXXX I noted a change in my mortgage payment with Ditech with an increase of approximately $ XXXX/month. I called and was told my taxes had increased by XXXX % and therefore I was behind on escrow. The taxes had not been increased, but rather were incorrectly added to my account in their tax department. Their tax department agreed there was an error and they would rerun the escrow report and change the payment amount. I contacted the Ditech again after there was no correction two weeks later. I have called every 10-14 days since to have this corrected. Each time I am told a department did n't do their particular job and they will forward an email to have the correction made. I was told on half a dozen occasions that a new escrow report would be done and they would correct the account. No report has been run and no changes have been made. I called again today and was told again, went to wrong department and check back in 3 days. They would not give me any further phone numbers to talk to someone in a Managerial position to resolve my problem. I continue to pay the inflated monthly payment to avoid any credit reporting issues. I feel that I must refinance my mortgage with another lender to get away from this company. I 'm not sure what else to do.
I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX XXXX  XXXX, XXXX   XXXX XXXX, XXXX  AND EXPERIAN XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  AND EXPERIAN continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Not my debt there were numerous XXXX that were on my report that different middle initials and there were XXXX different XXXX. they all had different spelling and different addresses.
I submitted a claim through CFPB last month and the company responded that the disputed information is not being reported on my credit and it is in fact sill being reported on my credit. 
XXXX XXXX XXXX is reporting a debt owed to the Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX  that has already been deleted from my credit file previously. The statement attached shows that I have a {$0.00} balance with the original creditor it is against regulations for the credit reporting agency to allow anyone to try to collect on a debt that does not exist.. 


Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These are the dates this Finance Company check my credit without my permission. Ive reached out to this company multiple times with no luck. This is a auto finance company, I have not given anyone my permission to finance anything with my credit nor have I applied for any finance loans. Ive been back and forward with the credit bureaus working on my credit fraud case. So Im contacting this company directly to have these inquiries removed and or deleted off of my report.
XX/XX/2017. 

XXXX XXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX MA XXXX XXXX Credit Reporting : Please be advised this is my XXXX written request. The unverified items listed below remain on my credit report in violation of the Federal Law. You are required under FCRA to have a copy of the original creators documentation on file to verify that this information is mine is correct. In the results of your fist investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? 

You have not provided me a copy of any original documentation required under Section XXXX ( a ) ( XXXX ) ( A XXXX & XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and Section XXXX ( XXXX ) ( A ) of the FCRA - You are required to " ... promptly DELETE all information which can not be verified '' The law is very clear as to the civil liability and remedy available to me for " negligent noncompliance '' ( Section XXXX ) if consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the fallowing accounts be deleted immediately. 
XXXX {$210.00} Thank You XXXX
My XXXX and Equifax credit scores plummeted due to multiple balance increases. I called XXXX to see why this has happened and the woman said it shouldnt have and to file a dispute. Attached are the screenshots of the changes on both credit reports.
my mortgage company has a different deed description for my land parcels than i have on my tax bills. I believe the town tax administrative clerk is sending false information to my bank to allow for manipulation of ownership.
Loancare forgot to pay my homeowner 's insurance. Called and received notice of cancellation on first week of XXXX. Contacted Loancare and they informed me that it was all taken care of and that it was paid. Received phone call XXXX/XXXX/16 and informed me that homeowner 's insurance was cancelled the XXXX of XXXX due to nonpayment by Loancare. Now I have to pay out of pocket {$1300.00} and my house is apparently not insured, even though I am making payments to Loancare.
The debit was paid in full on XXXX/XXXX/16 and they continue to report to XXXX that the debit is unpaid.
I requested all 3 reports in XX/XX/2018. I received XXXX and XXXX reports, but not Equifax. I went to the Equifax website and chatted with someone. They said I should call the service department. I called the service dept. They started by asking reasonable identifying facts ( about 4 ) Then they started asking about my credit cards in force etc. It was clear that they were digging for financial information and not dealing with my request ; so I hung up. 

I only want the 2018 year end report.
I called Equifax XX/XX/2018 to talk to them about some inquiries that are showing up on my credit report that were never initiated by myself as well as a bankruptcy that I have no knowledge of. I was told that they would not be removing them and refused to even investigate on my behalf. Under FCRA I have the right to correct information on my report and wish to file a complaint because they refuse to even investigate or remove these items. I have not applied for credit and wish for these items to be removed as they are effecting my score negatively.
My name is XXXX XXXX, I requested XXXX to remove from my credit report files, information about my student loans that are affecting my credit, and my ability to move on and rebuild my life. 

Originally these institutions used to have my loans : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Status : Inactive as of 1996XXXX I already consolidated these loans with XXXX XXXX XXXX XXXX, and I'm paying on time. These double reporting is causing a double effect on my credit, on one side I'm receiving positive reviews for my good payments with XXXX, and in another hand a negative one from those mentioned. We have to take into account that these are the same loans, the same amount of money lent to me, and is causing collateral damage. 

These double reporting mix is inconsistent with the honesty of the agencies and does not help me build my credit, do not preserve the integrity o my responsible history payments. 

Please help me with XXXX, and Transunion to remove this information. XXXX already removes them. 

I'll be eternally grateful, Thank you very Much. 

XXXX.
On XXXX XXXX, I opened a checking and savings account at Bank of the West at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX with XXXX XXXX, a banker at this branch ( NMLS # XXXX ). I made an initial deposit of {$40.00} into the checking account and {$25.00} into the savings account and I was enrolled in Mobile Banking/ Online Access ; I received a debit card on XXXX XXXX after I tendered a check deposit for {$850.00} at the aforementioned branch. I spoke to the bank manager, XXXX XXXX, on XXXX XXXX and she stated that she will try to process the check on Monday, XXXX XXXX pending a 7-day hold for new accounts. XXXX XXXX called me on XXXX XXXX and she stated that XXXX XXXX will not be able to process the check deposit and thus can not remove the hold on the deposit which I took at face value. On Tuesday, XXXX XXXX, I checked my account via the mobile app and saw to my surprise that the bank took {$850.00} for funds I did not withdraw or use for purchases. I called XXXX XXXX XXXX and she stated that the bank took the funds out of my account because the check was either fictitious or altered. However, I do not understand why they would remove {$850.00} from my account for funds that I did not take out or use for purchases when XXXX XXXX stated that she can not remove the hold on the funds. She stated that she will correct the issue that day but I never heard back from her nor was I ever able to speak with her directly as they did not want to resolve this issue promptly as promised. They even blocked me from accessing my account that day so I have no way of knowing what they did to my account.
I was seeking a income sensitive deferment, but Navient kept telling me that I did not qualify. Now I have a volunteer deferment which I know will probably be {$600.00} at repayment. They offer no help at all. I attended XXXX XXXX University where I acquired these loans
This person that said they were selling a puppy and they tried to scam me and I asked them multiple times for a refund and do n't respond I told them to cancel the puppy but they said later and have n't refunded me I need help to stop the money or get it back please
I have never lived in this place, XXXX XXXX XXXX has harrased me for several years now regarding this, saying I owed them over $ 4K, this is FALSE. The last time I lived in an apartment was back in XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX in XXXX CA and XXXX XXXX - XXXX XXXX CA. This is what the background check claim I lived in. 

Name : XXXX XXXX XXXX / Name : XXXX XXXX XXXX Date of Birth : XXXX Address : XXXX XXXX XXXX City : XXXX State : CA Zip : XXXX County : XXXX Phone : 0 Duration : from XX/XX/XXXX through XX/XX/XXXX They totally missed that I owned a home in XXXX CA XXXX then! Please help me CLEAR this mess up.
Just got off the phone with a rep about my complaint.
They received a response from a   XXXX   XXXX   XXXX   w/ a phone number, no extension nothing and I have been on the phone since  XXXX  and am writing while I am on hold, no one knows who she is and they ca n't find out? According to her response she is more than happy or willing to give me my MONEY I do n't have the actual letter but, it is something to that effect, she will give me my money, the money belongs to me what is she talking about she DID NOT RESPOND to my complaint of I want to see the BENEFICIARY CARD AND SIGNATURE CARD that IF MYfather changed this for me to share with my sister I am by law entitled to see all those cards instead since   XXXX   XXXX   I have been given the run around and lied to. I have spoken to several banks, lawyers and went to Civil Court about this issue and I have the right to see all documentation pertaining to this matter. All have said same, some- thing is not   XXXX   they are hiding something here if they wo n't show you these documents???
Please help me, I registered this complaint with you for this info and I have n't received the proper info here we go again this is why I am complaining to you for your help in ascertaining the cards and why did n't this woman give proper details to contact her? It is  XXXX  just got off the phone they said no one is allowed to speak with me any longer as I filed this complaint and regulatory mumbo jumbo etc etc so I need to wait for another letter in the mail from Capital One about this matter!!! I am complaining again please, please all I want is to see the SIGNATURE CARD AND BENEFICIARY CARD TO SEE WHEN and IF MY father changed the   ITF   XXXX   XXXX   to also beneficiary   XXXX   XXXX   my sister. All statements have come with   XXXX   XXXX   ITF   XXXX   XXXX   nothing else and I have some of the statements as far back as  XXXX  with only my name!!!
PLEASE PLEASE I AM BEGGING FOR HELP SUCH A SIMPLE MATTER???
This is a new complaint about the above complaint that I did not receive a response to my above complaint???
Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XX/XX/XXXX  Date sent to company :  XX/XX/XXXX  Product : Checking or savings account Issue : Closing an account   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  .
  XXXX   NY  XXXX  #   XXXX   XXXX   --
This my second complaint in addition to my initial complaint which was closed. 

I joined XXXX loan service forgiveness program and account was switched by XXXX to FedLoan my XXXX payment of {$500.00} was due to XXXX on XX/XX/XXXX. It was paid in full and on time. XXXX then switched over my accounts to XXXX two days later on XX/XX/XXXX as the servicer. Once i received the login info for fed-loan and logged on to pay my XXXX installment to the new provider, I then discovered that my accounts were delinquent and 30 days past due. I then contacted XXXX XX/XX/XXXX to find that my payment was not transferred over. I was told that will take up to 60 days to appear in my account. I have submitted various proof including bank documents to XXXX XXXX XXXX and have received ZERO response. It is now XX/XX/XXXX which is well over 60 days past the stated date. XXXX has yet to credit my account when i have provided AMPLE proof including my bank records that this payment was in fact made and no payments have been missed. This has caused my loans to further appear in delinquency as well as negatively affect my outstanding credit score. In order to avoid this I would be forced to make another payment immediately which would cause me financial hardship. I have called almost weekly since the beginning of XXXX to be told no one can help me, and then XX/XX/XXXX they said the billing department finally received my proof which I sent XX/XX/XXXX and it was sufficient. It is now over 10 business days since i have recieved this information and over 16 business days since i sent the proof after months and months of this ... .. and yet still my account is showing an owed balance of {$500.00}. I would like XXXX to apply my money to my account. It is strange to me that my payment process in 3 days however getting a credit has taken months? I feel that XXXX is trying to steal my money and as I said this is negatively affecting my credit score and my ability to purchase other items due to this. I do not think I should have to be punished as someone who pays their bills on time and works very hard to stay afloat.
I GOT A RECAST AGREEMENT FROM MY LENDER, AND I NOTARIZED AND RETURNED THE CONTRACT AND THUS FAR THE LENDER HAS YET TO ENFORCE THE THE AGREEMENT
I have filed multiple disputes, and requested multiple times VALIDATION of this bankruptcy reporting on credit report that it belongs to me but they failed to provide me the proper documentation except " verified ''. I have called the different numbers listed on my credit report from all 3 credit bureaus for FL FED Bk CT-XXXX which are XXXX on XXXX, and XXXX on XXXX and Experian but yet all these numbers are disconnected or not in service. I fear that this bankruptcy is being reported wrongly on my credit report and since they are unable to properly VALIDATE THIS INFORMATION WITH THE CORRECT SIGNATURE AND PERSONAL INFO, I am requesting an immediate removal of thisbankruptcy from my credit reports in all 3 credit bureaus as it is negatively big time affecting my credit score.
I had a traditional mortgage thru Chase. At the beginning of the mortgage, I set up a Chase pay account and made 13 payments per year. In addition to making an extra payment per year for 9 years, I also included an extra {$100.00} to {$200.00} per month to pay down the principal of the loan early. Chase acknowledges getting 13 payments from me in XX/XX/XXXX and every year prior to XX/XX/XXXX, but is reporting me as late for a payment XX/XX/XXXX. Chase is stating that regardless of what i did in the previous year, they are going to report this payment late.
Please treat this as a dispute of the amount that Bank of America, N.A. claim that I owe and the amount that Bank of America, N.A. has been collecting from me since the origination of my automotive loan. To be specific, based on the information that I recently learned, Bank of America, N.A. erroneously charged me and has been collecting from me an amount that falsely included a XXXX XXXX XXXX XXXX ( Option Code : XXXX, Form Number : XXXX ) warranty ( Warranty ) which was wrongfully and unilaterally cancelled by XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, ( Dealership ). Herein, I am disputing the principal balance, calculated monthly payment, interest and any fees or costs that Bank of America, N.A. claims I owe or that Bank of America, N.A. has collected from me to date since no warranty, no notice of cancellation, and no refund have been provided to me in exchange for what I have paid to Bank of America, N.A. I am requesting an investigation and response to my dispute raised herein and an explanation of whether or not any amounts have been refunded by or to Bank of America by either XXXX or XXXX as it relates to the Warranty and my automotive loan.
This is a follow-up to complaint # XXXX Since my first complaint on this matter related to cancelling PMI, I have had communication with Wells Fargo. Apparently the original BPO prepared never made it to the Bank. As a result, a second real estate professional was scheduled to prepare a brokers price opinion. The broker came on XXXX XXXX, XXXX to perform the property inspection. I followed up with a call to the Bank a few days later to determine if the valuation report had been received and to inquire if the value opinion reached was sufficient to permit the cancellation of PMI. During our call on XXXX XXXX, XXXX XXXX at Wells Fargo advised that XXXX XXXX now required a full appraisal instead of just a value opinion derived from a BPO. Though I am a XXXX XXXX, I researched the servicing rules established by XXXX XXXX as they are a matter of public record. The servicing guidelines advise in no uncertain terms that the servicer, not XXXX XXXX  determines the appropriate approach to establish the current value of the subject property. Why would XXXX XXXX blame XXXX XXXX when this is n't true? She further advised that she would have an appraiser contact me to set up an appointment for an inspection. As of today, I have not received a call from anyone attempting to perform an appraisal on the property.
As a reminder, the check for the {$200.00} fee was negotiated by Wells Fargo on XXXX XXXX XXXX, and still here we are no closer to resolution. I ca n't imagine that I am the only mortgage borrower being subjected to these games by Wells Fargo. I strongly recommend that your agency take a closer look at the PMI cancellation practices at Wells Fargo.
Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, ssn and DOB in order for it to appear on your credit file. Transunion has not updated the information and per the new law Chapter XXXX Bankruptcy Federal District docket # XXXX listed does not include this information and should be deleted from my report.
I am a XXXX XXXX with a set income ; assigned to XXXX XXXX XXXX. I was assigned to XXXX XXXX XXXX for treatment by XXXX XXXX. All procedures were approved prior to treatment. Each doctor 's office were contacted prior to the schedule procedures the dates were set from the doctors ' office. Written authorization were issued by XXXX XXXX. I presented the papers at each visit for XXXX I stressed '' do not file with any other insurance but XXXX  '' .I was ignored ; XXXX XXXX XXXX then filed the procedure with Medicare first not XXXX. Medicare denied the charges. I don't know if the charges were ever filed with XXXX. I have been turned over to the collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX. ) for none payment instead.Each time I have been contacted I informed them that the procedures were filed with the wrong insurance. I have not been contacted to say that the charges were ever filed with the right insurance company by XXXX XXXX XXXX XXXX nor by the Collection agency. If I make any payment then I will not be reimbursed. I do not think the charges have ever been file at XXXX XXXX.