WillisBack/dataset-financial-user-claim huggingface dataset:
I filed a complaint # XXXX against Experian on XX/XX/XXXX for failing to investigate the dispute filed on XX/XX/XXXX against XXXX for inaccurately reporting the balance owed. <P/>On XX/XX/XXXX, I received an update to my credit report with no mention of an investigation against XXXX 's inaccuracy. <P/>On XX/XX/XXXX, I disputed the inaccurate balance reporting on my credit report again, from XXXX, through Experian. <P/>On XX/XX/XXXX, I received another update of my credit report stating that Experian performed an investigation, which they did not, and that the XXXX account has been updated but if this were true, the account also would 've been updated as " paid in full ''. The balance due remains inaccurate as well as the accounts status. <P/>Experian not only failed to initiate an investigation but then took it upon themselves to " update '' my file inaccurately once again. XXXX had reported a misstated balance of {$550.00} which was a violation of the FCRA, thus the item should 've been deleted upon the initial dispute, from my file.
1. I bought a house on XX/XX/XXXX. According to the contract PMI willa utomatically terminated when the principle balance reach 78 % of the original value of house. I did reach this goal on XXXX/XXXX/2014. But my mortgage company -Ocwen servicing agency refused to cancel My PMI.Imadephone/email/fax request to cancel it. Now my principle balance is 73 % .But still they charge me with PMI. 
2. ocwen also refused to release money to my insurance company on time and my house was uninsured for one month. 
3, They also increase my escrow without giving any explanation. Frustrated with all this I did request to cancel my escrow account. But they refuse to do so.
I have this company www.on-site.com posting a judgement on my credit report. They do apartment complex screening. I have sent this company information regarding the judgement and letter from home owner involved and company still has not removed this report yet. I have also sent them information on accounts paid off by me and they never updated any information on credit report. they dont provide you with information on how to dispute.
I am allowed by law to request and receive a free credit report each year from each of the XXXX credit bureaus. None of them give me any trouble accessing this information online except Experian. Each time I request my report each year it tells me that they are unable to honor my request and that I must request it by mail by sending them a copy of a government issued ID card and one copy of a utility bill, bank, or insurance statements, which if intercepted by mail, places my identity at risk. However, if I accept their membership and agree to pay a fee, they will immediately allow access to my report online instantly. I feel Experian is denying my free credit report and trying to make me pay money for something I am already legally entitied to.
Experian and XXXX XXXX XXXX failed to validate debt, because Under the laws of the CFPB and KY UCC 9.506 and state RISA and MVISA, I have contacted XXXX XXXX XXXX myself and have been unable to get them to validate the above referenced debt along with a copy of the required notices by the KY UCC 9.506. 
I have requested information on how the debt was verified by Experian along with the supporting documentation that they have I have enclose copies of my requests to the XXXX and Experian that was sent XXXX XXXX, 2017, asking them to validate my debt, along with proper notices required by KY UCC 9.506. I have also included copy of the original tracking receipt and confirmation of delivery. I was given no response by XXXX to validate the debt or Experian
PHH mortgage has continuously made several inaccurate changes and modifications to my account. Funds from escrow and even applying payments solely to interest and other areas. I want my loan serviced from another company. I have tried to get these problems resolved and they have even all often applied mortgage payments to other areas leaving money unaccounted for.
Ive paid my bill on time with  XXXX   XXXX   XXXX  since I opened the account. I switched banks and could not log in to my account to update my records. I called  them ( after 30 min on  the phone ) finally got access to my account. Put in new info, it did not take the info even though it said it did. several weeks later I get a hit on my credit monitoring saying my account is 30 days late ( mind you I have perfect credit ) this dropped my  credit score   XXXX  points. My feeling is they make it difficult for people to make payments in order to charge late fees and interest. I have been on the phone with these guys for hours trying to work this out and to no avail. On top of this last year they double billed me for an entire months worth of transactions and it took 4 months to get it resolved. If you open an account with these crooks beware. I have paid this account off and it is now closed.
THEY SENT NOTHING TO PROVE ANYTHING JUST A LETTER WITH A BALANCE! I RESPECTFULLY REQUEST XXXX INVESTIGATE THIS COMPANY AND IF YOU NEED TO HAVE THE INFO UPLOADED OF THE ONE PAGE THEY SENT I WILL BE HAPPY TO SEND OVER THEY SENT NOTHING TO PROVE THIS DEBT IS MINE NO SIGNATURES NO MEDICAL LABS NO DOC NOTES NO NOTHING I ASKED FOR THIS IN MY DEBT VALIDATION LETTER AND THEY SENT THE SAME 1 PAGE BALNCE WITH NOTHING ATTACH THIS DOES NOT PROVE THIS IS MY DEBT AND IT IS NOT MY DEBT!!! I WILL REPORT TO THE XXXX
On XXXX XXXX I wired {$25000.00} from XXXX XXXX XXXX From XXXX XXXX To Coinbase ( individual Account ). They said the wire would be reversed because accounts didnt match. On XXXX XXXX I did NOT receive the money so I emailed to follow up, they said they were backlogged and would resolve soon. On XXXX I emailed again still No Money returned. On XXXX XXXX I emailed again included again all the info they needed. Where the wire originated how to wire me back. Ref # from the wire and still no REsponse. 

They have a customer support line but do not handle wire issues on phone, also waited 1 hr and no one answered. 

I am at wits end of what the next step. I have XXXX XXXX trying to help, but we have made no progress. 
I just want them to Wire my money back, Its almost a month. Ref # XXXX - wire ref #.
I just found out Bank of America pulled my credit report. I have not applied for credit, held an account, or had a balance owing with this company for the better part of a decade. 

I do not have a balance owing. 
I have not applied for any new accounts. 
I am opted out of promotional lists. 
I did not give my permission or authorization. 
I just pulled my credit report and found out that they ran my credit on XX/XX/2016.
Equifax is reporting inaccurate information on my credit file in association with an account with XXXX and is not in compliance with the Fair Credit Reporting Act. I have enclose XXXX attachments with XXXX outlining XXXX ( original creditor ) agreeing to, " waive any possible recourse as to any deficiency on loan '', if I agreed to pay a one time settlement offer of {$6800.00}. ( copy of check enclosed ) The other attachment is from my Equifax credit report. My equifax credit file is reporting, " account paid for less than full balance '', " charge-off '' and late payments. All three indicate a recourse as to a deficiency on loan. As per the enclosed agreement, any and all derogatory comments from my credit file associated with this account are to be removed since all three constitute a recourse as to a deficiency on the loan.
Target denied my application for credit card. They send me a letter saying they had denied it but they did n't give me a reason why.
I was told by General Revenue that I committing a crime by not paying this debt, this debt is from coming out early from XXXX University. This collection company said that I could be wage garnished/Bank levy/ or much worse. This company was not professional at all. I do not feel that it is right for a collection company to accuse and slam the consumer with how they are committing a crime. Everyone will one day go through hard times, but this company was rude and barely would let me talk to explain why the debt was in their office. I eventually paid it but I never heard nor got any documentation from them stating it was paid/closed. I requested it also but nothing at all.
In XXXX 2015 I requested an e-mail receipt from a vendor. Today after using the same credit card I used in 2015 at a business I had never been to before, I received an e-mailed receipt When I made the purchase today they did not ask if I wanted an e-mailed receipt, nor did I provide them with my e-mail address. 
After receiving the e-mail today, I searched my e-mail archives and found that the common link is that both companies use " XXXX '' for payment processing. 
It was a huge surprise to me that this business ( XXXX ) I know nothing about had linked my credit card number to my e-mail address. They clearly stored both my credit card number and my e-mail address to use over a year later without my explicit permission or knowledge that this was occurring. Since I am not comfortable with this business practice, I searched for a way to remove both my credit card and e-mail from their databases and could find no such option. It appears that in order to manage my information with them I have to sign up for an account which would require providing more personally identifiable information, which I am reluctant to do. They already have more information about me than I want them to have. 
This feels like an extremely inappropriate way to use my credit card information and my e-mail address. I will no longer be using any credit cards at any company using " XXXX XXXX '' for payment processing. However I also wanted to report this to you since I most definitely consider this a bad business practice, and possibly illegal since they did not obtain my explicit consent to capture and store my personal information. 
As I researched this company, I identified a separate inappropriate business practice from this same company. I receive a ton of e-mail spam from another of their brands ( XXXX ) at my work e-mail. I do n't believe I have ever provided my work e-mail address to this company so these two things may be unrelated. The common link is same company with multiple inappropriate business practices.
A collection # XXXX was started by National Credit Systems , Inc. for an amount of {$5300.00}. This debt was for the apartment lease of my estranged adult son. I did not sign or cosign a lease. I called the landlord, XXXX ( XXXX XXXX XXXX ), and they were very apologetic. There was no cosigner agreement on file or any attempt to use my social security number or personal information fraudulently. They wrote an apology on XXXX XXXX 2017 and provided a release from National Credit Systems on National Credit Systems ' letterhead. Everything appeared to be fine until a derogatory report/collection action appeared on my XXXX credit report in XXXX of last year. I immediately disputed the report with both National Credit Systems and XXXX. National Credit Systems claims that I was removed from their collection and multiple XXXX representatives ( at least 4 ) have said that it would be removed from my credit report after 48 hours. It has not been removed and has affected my ability to obtain a credit card even with a XXXX FICO and otherwise blemish free credit history. 

Here is the fax cover letter I sent to XXXX : Ive attached two documents in support of clearing the collection action on my credit report with confirmation # XXXX. The debt is not mine. I did not sign or cosign a lease with The XXXX XXXX or ever live in their apartments. The XXXX XXXX started a collection action with National Credit Systems , Inc. and National Credit Systems erroneously tied my name to the collection action. They do not have my social security number, a signed lease, or a cosigner agreement on file. 1. The XXXX XXXX wrote an email apologizing for the error and confusion. They instructed National Credit Systems to  remove my name from the account and collection action. Ive attached that email sent XXXX XXXX, 2017. 2. National Credit Systems complied and sent a retraction to me and The XXXX XXXX on their letterhead, dated X/XX/2017, removing my name from the account and stating that they would no longer pursue me for the recovery of the account. They also stated that any derogatory credit listing would be removed promptly. Ive attached a copy of their letter. Several voicemails over several days have simply gone unanswered by National Credit Systems. Please immediately remove the National Credit Systems , Inc. collection listing from my report. 

Thank You,
Exeter In response to your letter on XX/XX/XXXX stating you mail me a letter in which I never received. As to mailing you and calling you before you took my car to pay the full payment that was behind. I had explain that the health Care company I work for had payment issues with my salary at the time was XXXX and having me holding checks and causing me issues with my bills. Its on record with the state department of labor and industries. 
Exeter stated they mail me in which they mailed it to the wrong address as well I have attach letter showing the wrong address as well as a copy of the insurance by progressive showing my address on record to Exeter. It shows Exeter as the lien holder and proves they no my address. I also have the statements each month they mail to me with the right address. When I was trying to pay Exeter they would not accept the payment. 
Exeter never mailed me nothing to the sale of the Vehicle. Exeter also sold the Vehicle with mailing me nothing of the sale. No attempts after they took it for me to pay the rears that was due. 
Exeter also played the mail it to an old address in which was updated at the post office in the post office. And Exeter also mailed me on XX/XX/XXXX saying they transfer it to XXXX XXXX XXXX. Date of notice was on the letter in which I have attach shows XX/XX/XXXX but look at the transfer date is XX/XX/XXXX but my notice XX/XX/XXXX Exeter also never responded it was we working on it. This company does not respond and give the consumer the run around. 
I have attach all documents for proof. I want this removed from my credit file. Exeter was reporting the original balance after they sold it every month doing major damage to my credit file. There was no original amount after they sold the Vehicle. Also Exeter was saying one amount and ran up fees. As to there response there is no deficiency that they responded back from the CFPB I have also considering filing suit on Exeter if the matter is not resolved due to the errors and the proof I have on record on Exeter
In 2009 my stepson, XXXX XXXX, was attending XXXX XXXX XXXX XXXX in XXXX Oregon. 
The school shut down before my son graduated. The owners of the school were siphoning money from the student loans into there Construction Business and ended up in criminal court. My son never finished the program is was left in debt to XXXX XXXX for {$28000.00}. with nothing to show for the investment. I would like to consolidate the private student loans at 8.5 % and 10 % with XXXX XXXX and get a more favorable interest rate ... .but no one will touch the loans because my son never graduated. Is there anyone in the banking industry that will consolidate private student loans ( XXXX )?
On XX/XX/XXXX, I sent Equifax proof of a document with a dispute. Equifax is reporting I have 3 late payments on student loans ( Dept.of Education/XXXX ). According to FCRA Section 623, Equifax is in violation ( if they refuse to correct information after being provided proof of inaccuracy ). They sent me a letter XX/XX/XXXX saying it was verified. But how is that? The document I sent was a income based payment agreement from the Federal Student Loans.Gov, which is over all the student loans.I know for a fact because I just did another one recently. Equifax is reporting 3 late payments on a auto loan with XXXX XXXX that was a total loss and the insurance paid over 95 % of the loan. This has caused me financial injury. Injury to my credit report and credit score. Defamation on my character, etc.. I also noticed them reporting a late payment ( 30 days late ) on a account ( XXXX XXXX or XXXX XXXX ) that I know I called the creditor and arranged an agreement to postpone payment after a natural disaster ( Hurricane Harvey ). 
Equifax has failed to do it's part to maintain accurate information on my credit report or do a proper investigation on my disputes.
Navy Fed advised me, as a result, that they did remove my authorization for the USE of the card, however the debt will continue to be reported on CBR, per XXXX on XXXX/17. 
However, being an authorized user was never the issue. The debt was never mine to begin with, there is n't any application from me, in my name, anywhere what so ever! 
So why would n't Navy Fed remove My name from my CBR? This is NOT EXCEPT ABLE AT ALL!!!!!!!!!!!!
Please annul these not compliant alleged accounts saying that I was late. Its not true. This is false reporting. I contacted the credit bureau responsible for this but they did not yet respond..Please help me by removing XXXX XXXX XXXX XXXX
Barclays card said my credit is good and that I have to send them additional document. The person on call quoted the Patriots Act and I asked why is it not mentioned when requesting for details of the application. I told them if I had known it would take 10 days to get the card then I would have not applied. The reason I applied for the card is to buy gift for someone within a day or two.

I then told them I do not need the card but they should reverse the hard hit on my credit. The Bank said they can not do anything. I spent 45 minutes explaining my predicament but looks like they do not care. 
All this happened on XX/XX/2018. I will never apply for BARCLAY bank 's card. 
This is for financing through the bank for XXXX products.
This issue was discovered today XXXX2017. I reviewed my account online and noticed a charge of {$140.00} from XXXX XXXX XXXX XXXX ( XXXX, TX ) which I did not authorize. I called my Bank Navy Federal Credit union to ask that the charge be reversed. I was told that even though the funds had been pulled from my account I would have to wait for the charge to post. I told the bank I did not authorize this charge from XXXX and that this is theft. I concluded my business originally with XXXX in XX/XX/XXXX. My Insurance company XXXX  procured a rental for me due to hail damage on my vehicle. I was charged a {$50.00} dollar deposit on my card which was returned a week after I returned the vehicle. I did not authorize the {$140.00} nor received any correspondence that these charges would be made to my account. I expect restitution of the full {$140.00} taken from my account without my permission. It continues to amaze me that companies are allowed to engage in theft without consequences. Thank you for your cooperation and assistance regarding this matter.
I 've contacted  XXXX ,  XXXX  and  Transuion  in regards to some incorrect and fraudulent accounts. I sent in my police report my identification documents and so forth. I 've contacted the creditors who havemt responded so this is my  last str  eet  before taking it to civil or federal court. They have broken the law. Not marking my accounts disputed within 30 days, refusing to send me information regarding disputes or disputes validated, refusing to send validation information or methods and so forth. I 've disputed these accounts numerous times by certified mail and they have not been properly handled or responded too. I 've kept close documentation of communication and recorded conversation pulled.
XXXX XXXX from API called my client, XXXX XXXX, at his place of employment pretending to be an attorney 's office. " XXXX XXXX '' threatened to have my client arrested if he did not immediately pay a payday loan (?? ) which we refused to identify or validate. " XXXX XXXX '' told my client he was " in violation of Federal law. '' Terrified, my client gave " XXXX XXXX '' his debit card information. My client has contacted the bank and may be able to save his money ; however, " XXXX XXXX '' from API has continued his rude, aggressive and illegal collection. " XXXX XXXX '' did have identifying information for my client, which gave some legitimacy to his claims, terrifying my client even further. This XXXX debt collector needs to be shut down before they can scam more money from unsophisticated consumers.
Hi, a little ov er two a m onth ago ( I 'm not sure on the exact date ) I downloaded an app on  my iPhone  called  XXXX   XXXX   (  an app that was supposed to track how much you spend a month on subscriptions  ). I  ended up deleting it after putting my  XXXX   XXXX  credit card information. On  XXXX   XXXX  I got charged by Experian  Credit Rep with {$1.00}, which  I did n't think much of. I thought maybe it was the app or something else. Then it charged my same account again on  XXXX   XXXX  for {$21.00}. Confused, I called Experian to figure out what was going on, but after maybe  10  minutes waiting on hold I hung up and hoped it would resolve itself. Unfortunately it did n't, I was just charged again with {$21.00} today,  XXXX  the  XXXX . It 's odd because these charges are always in the middle of the night. Now I 'm not completely sure if  XXXX   XXXX  is the origina l one  to blame here but by my actions and time table of the charges, this is my best guess. I 'm going to try to call Experian again today and hopefully get this resolved.. The fact that I ca n't even clearly recall how I somehow signed up for what seems like a {$21.00} financial subscription is why I am filing this complaint. Please feel free to contact me if you need any more information.
I did not authorize this company to pull my credit onXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX and it is affecting me getting credit.
I attempted to dispute inquiries with Experian that were not mine and they refused to allow a dispute online even though there was a dispute selection available. I disputed addresses that were not mine and they also refused to delete them.
I am XXXX, so therefore I have not been contacted by this company, nor is it set up to answer a XXXX call. I was hung up on earlier when using my web based XXXX. Textbook discrimination. The credit report states that I owe XXXX {$290.00} dollars. This is not my debt. I do not owe this money. I only found out about this via XXXX and XXXX when checking my credit report. This is a classic case of fraud and debt scavenging. I have also reported this company to the XXXX and I have also sent it to my lawyer. There is no verification of this debt, nor have I had any contact with this company until seeing this blip on my credit report earlier this month.
A certified letter was sent to Aargon Collection agency regarding a debt to XXXX hospital. In this letter, there was a request for a form that authorized XXXX to release my private information to them along with a statement to validate the charges.XXXX released my private medical information detailing services that were provided without my authorization that is a clear HIPAA violation. HIPAA privacy laws. I never authorized my information to be released to any third party company. There is no signature or anything on any documentation that has been provided. The collection agency directly violated my PHI- under HIPAA law.