WillisBack/dataset-financial-user-claim huggingface dataset:
There is a company called  XXXX   XXXX   XXXX   XXXX  ... a foreign  XXXX . They have come into our state buying defaulted mortgage debt without a license by the Department of Consumer Affairs and they are using the courts of this state to collect these debts without a license. They present themselves as " Lenders '' without a lender 's license ... they are in our state 's Supreme Court an d federal co urts filing illegal foreclosure actions because they buy these debts in default without a debt collection agency license ... they are in cahoots with another company called   XXXX   XXXX   or  Jem Cap ... .. the people of this state do not know or are not well informed of legal a nd / or lilegal debt collection practices and the laws of this state which protect us. A complaint has been filed with the Departme nt of Consumer Affairs and this company has not responded as of yet ... the DCA can not e nforce a response but your agency can ... if not maybe you can forward this complaint to the FTC ... they are running amok in our State against our citizens, under the radar.
In XX/XX/XXXX my car was financed thru GM Financial and my last payment should have been in XX/XX/XXXX. However, I disputed the amount GM Financial tried to collect from me and refused to pay after they threatened to repossess my car and damage my credit rating. I immediately discontinued all further contact and made no further payments. This account was then closed/charged off in XX/XX/XXXX by GM Financial at which point I began getting collection calls from their representatives and collection agencies. When I asked the collection agency for a Debt Validation report because the amount GM reported as owed was in error, I never again heard anything from either the Collection Agency or  GM Financial. EVER. Not one single word. 

In XX/XX/XXXX, I decided to purchase a new vehicle and my dealership advised the best course of action would be to turn in my vehicle to them ( they would have it picked up by GM Financial 's agent of choice ). This was done and in XX/XX/XXXX, I contacted GM Financial to discuss a settlement so that I could pay a fair price for the remaining debt and move on with my life. We agreed upon an amount and I paid it over the telephone. ( Copies attached ). I also have a letter from GM Financial in which they explicitly state that the settlement terms included the agreement that neither party would attempt to file any further charges, lawsuits, etc. against each other. However, after GM Financial received their monies, they backdated and made changes to my credit report and continued to do so. I should not have " CHARGE OFFS '' and BAD DEBT notations on my report ... month after month ... beyond the date my account was closed. This is a violation of my rights and is an example of a company using their power to harass me thru the illegal reporting of incorrect data to the CRA 's. Fortunately, XXXX  does not allow this practice and has corrected the account based on my previously filed grievances.
This complaint is consequent to wrongful demand and collection activity reported to major credit bureaus for insurance co-payment arising from incorrect, wrongful, and disputed reporting of medical services and tests provided to me that were performed XX/XX/XXXX by XXXX [ Oregon ] XXXX XXXX, XXXX XXXX, ( " XXXX '' ) ; together with wrongful and damaging debt-collection subsequently entered on my Credit Bureau reports by XXXX 's collection agent Valley Credit Service , Inc., XXXX, Oregon ( " VCS '' )  that began XX/XX/XXXX, and was updated XX/XX/XXXX, by XXXX 's collection agent ~ altogether as attached hereto. 
Both XXXX and VCS have refused to answer, let alone consider, any attendance to my concerns and complaint. 

This unjustified conduct and actions by XXXX and VCS have caused, and continue to cause, specific serious-and-unwarranted damage to my credit standing with consequent reduced or denied credit availability from both existing and new creditors. 

My repeated and detailed written communications to both XXXX and VCS have been ignored by them.
I have contacted all the   XXXX   credit bureaus online by disputing the items that should not be on my account. I have contacted the companies they say I owe but even the companies say I do not owe them. I have medical bills that have been settled and I have sent letters to prove and yet the company has not remove the items.     I know  XXXX  and and TransUnion has been in the news for some deceit ful credit score  numbers and such. I believe the same is happening to my file. I have attached some info to go with this complaint.
I had spoke with someone regarding opting out of overdrafts during the early part of 2017. I was told i could not. I recently discovered the previous suit filled against them and called to have my account opted out and stop any transactions from coming through for a short period of time. They did not do that and claim they have no record of the call. Since then, 3 transactions cleared and 4 overdraft fees of {$37.00} were added. I addressed the issue and they refunded {$89.00} of the {$140.00}. I spoke with two different Department Leads to resolve the remaining fees and they said they could not do so. I 've had many issues with them in the past and do not feel it is ethical for them to hold me accountable for misinformation given to me by numerous employees. I offered to pay for the charges ( {$84.00} ) and not the overdraft fees ( {$59.00} ) and the offer was declined.
Chase Sapphire Preferred Credit Card XXXX XXXX Contact : XXXX Email : XXXX Case ID : 1. XXXX ( From XXXX ) 2. XXXX ( From XXXX ) 3. XXXX ( From XXXX, possibly fake ) XXXX Attempt to book hotels in XXXX through the Chase UR portal for XXXX. I have XXXX UR points that I can use to redeem. Get error message while confirming booking. Called Chase. Chase tells me that they are currently experiencing technical issues. Please try again in two hours. Tried again two hours later, no luck. Call chase back and they said they are still experiencing issues and try tomorrow. 

XXXX Tried booking through UR. Does not work. Asked friend to book through his CSP through his UR portal. Worked fine. Requested same dates and same hotel. Confirmed this issue is only with my account. Now I start attempting to book random hotels in random states/countries with random dates. All receive error message only through my UR travel portal. This confirms that only my account has issues. 

XXXX Tried again today. Does not work. 

XXXX Call Chase back. At this point my initial hotel/room I wanted is sold out. Room prices went up as well. Call chase back. Transferred multiple times to multiple sales reps. Possibly 6-8 reps. Multiple times between travel dept and cardmember services to verify my card is working. My CSP is working fine. Once I got on the phone to someone who is willing to help, I first confirmed that they are not experiencing technical issues. Rep confirmed that everything was fine. Rep attempts to book hotel through phone. Gets same error message. Tells me its possibly hotel run out of rooms. We try different date, different hotel. Same error message. He then tells me to book directly with hotel. I tell him CSP gives 1.5X redemption through travel and I will lose money. He says he will file offline claim and send to technicians to examine issue with your account. Please allow 72 hours for us to follow up. 

XXXX Tried booking does not work. Same error message. 

XXXX Tried booking does not work. Same error message. Call Chase, at this point prices have gone up a lot and nobody followed up with me on offline claim. Get XXXX. Tries to book on his end. Same error. Puts me on hold and tries to continually book different hotels. Does not work. Tells me he has to send offline claim. I tell him last week a rep already did that. He tells me no record. I tell him I am getting very frustrated and to please help. He gives me case number:XXXX and that he will call me back in 30 minutes with a resolution. 3 hours pass by and no phone call. I call back and get XXXX as rep. We try booking hotel. Same error. We try booking in XXXX, XXXX, random cities and same error. She tells me she has to send offline claim. I tell her i worked with XXXX earlier and provided case number and already did this process last week. Case number does not exist as they begin with " S- ''. XXXX provided fake case number XXXX. She gives me case numbers : XXXX, XXXX and to wait 72 hours again. 


Attached photos of phone calls being transferred and on hold.
I currently have a fraud alert with Experian. I was notified by Experian that a company pulled my credit report to open an account without my consent or contacting me. This is a fraudulent attempt to obtain credit in my name without my consent. This company did not call me before pulling my credit report. I would like a copy of this application that has my information on it. I would also like this company to be reported for fraudulent activity. How do I get a copy of the application that was used to attempt to obtain credit in my name? This affects my credit score which costs me more money to obtain credit. 

XXXX XXXX
I recently was billed by my local XXXX doctor regarding charges for services I did not receive in the total amount of {$210.00}. Because of my failure to pay for services not rendered this office turned over my outstanding bill and all of my medical records to Gulf Coast Bill Collections out of XXXX, FL which is a direct violation of confidentiality and HIPAA laws. I am writing this letter to inquire where I would turn to for help in resolving this matter. Please contact me with any information possible as to actions I should take from this point forward or who could be of assistance. Thank you for your time. 
Contact Info. -
Since XX/XX/XXXX I have been waiting for XXXX to review and calculate the number of payments attributed to Public Service Loan Forgiveness which was extremely undercounted and inaccurate as they did not reflect years of payments with prior loan servicer and had inconsistent numbers across loans as if I make payment separately which has never been the case. I followed up with them in XX/XX/XXXX and again this month to no avail. I have also requested a copy of all of my records so I can make my own calculations in XX/XX/XXXX and only received records from since XXXX when account was transferred to despite that those records should have come with the account. This gross negligence is compromising my student loan forgiveness as I have more than 11 years of employment certifications filed with them. Moreover I was forced into forbearance for when it took them nearly five months properly calculate my payment further delaying my progress.
During a glitch all my inquiries were deleted but TransUnion added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I called TransUnion to advise I was aware of the  2 sep arate glitches and that my inquiries were deleted and then re-added to my report once the glitch was discovered. I spoke to  XXXX  in  XXXX  who refused to transfer me to a  US  special handling agent then advise me the inquiries would not be removed and forcefully ended the call.
Hello, I recently moved to a new address. When I went to pick up my mail from the old address " Choice Recovery '' sent a notice on the XX/XX/2018 regarding an unknown debt. Although I did not receive a right to dispute letter on the XX/XX/XXXX, there is a derogatory mark on my XXXX credit report. This collection agency is in violation of the credit reporting laws and I would like to file a complaint.
I have request PROOF OF CONTRACT to substantiate a claim that I owed the amount {$3300.00}. to XXXX XXXX XXXX. The Transunion nor the collection agency provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specically Naming XXXX XXXX XXXX as an entity entitled to enforce a commercial claim against me. The Reporting Agency send me on XX/XX/XXXX and updated account Investigation Results as Verified as accurate. But their answer is just a computer generated document with a copy signature that is not mine. They failure to Validate the account and to send me a notarized document that will demonstrate that the " investigation '' was conducted properly. 
The same happen with a XXXX case charging me with a {$580.00} as of XX/XX/XXXX. Moreover, they have reporting in my credit report a XXXX XXXX XXXX, for the amount of {$8600.00} in this case I filed a dispute letter that the collection agency fail to informed me about why they failure to follow New Jersey repossessing Law, and failure to Validate the account
On  XXXX   XXXX ,  2017 , I was checking my credit report and saw a hard inquiry fr om CBNA ( Citibank of North America ) Last Reported  by  XXXX   XXXX   XXXX ,  2017 . I did not apply for a credit card from cbna or authorize them to do do an inquiry into my credit history. I have been trying very hard for the last 3 years to get my  credit score better and do not need companies do hard inquiries into my credit history without my permission.
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  SOUTHERN MANAGEMENT for reporting credit information  to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
Experian is currently reporting that the following accounts are mine when they are not. They do not allow you to re-dispute which is against the law. They clearly are in violation of the Fair Credit Reporting Act : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Acount # XXXX
PHH cashed a check for the wrong amount, it was {$1400.00} and they input {$1000.00} on XX/XX/2018. Then then sent us in default, charged late fees, and never even credited the {$1000.00} to our account!! I have called, they refuse to let you speak to anyone in the accounting department, they said that that department doesn't take phone calls. They also refuse to respond to emails. I asked how this would be resolved and the customer service rep said that they would look into it when they get a chance and would eventually withdraw the money from our account. He didn't know why we weren't credited for the {$1000.00} that they took and didn't know if or when they would be able to correct it so now we show that we have a missed payment!!! 

I asked over and over to speak to someone in a department who can help me and they simply refuse. I am so frustrated with this company. I would honestly refinance just to get rid of them but interest rates are higher now than when we got our loan. I don't know how else i can contact them every number published leads to the same outsources call center.
I disputed the accuracy of a collection by a collection agency. The item was deleted by Experian on XX/XX/2017. It was them reinserted on XX/XX/2017. I did not receive a letter from Experian giving the reason for reinsertion, as is required by the FCRA.
Fay Servicing , LLC is holding {$56000.00} of insurance funds in escrow for Hurricane Irma ( last year ) damage which they refuse to release. All repairs are done and paid for by me. All appropriate Fay paperwork was filed. They have told me they would schedule and inspection to confirm work was done months ago. This has never happened. It is starting to feel like a scam. Can you help?
About a month ago I applied for one of your credit cards I gave you all my information address date of birth phone number social security number I even gave you my drivers license number a few minutes after submitting the application you said that it was denied because you couldnt verify me so I called the number I spoke to a woman who knew absolutely nothing she said that some automated system said they couldnt verify mean but she couldnt tell me exactly what it was she couldnt verify she suggested I reapply a few days later why I waited a little longer than a few days but I reapplied just a couple days ago Application ID XXXX once again I gave you a ton of information more than what most applications asked for I mean you asked for my employers address you asked for my drivers license information I gave you were off but once again you send me a notification saying you cant verify who I am how was that possible? With all the information I gave you if you cant verify meet what is it that youre missing I answered all of your security questions I know sometimes credit reports can have different things on them but theres no way that twice I answered all those questions wrong I just dont believe it
This is from an XXXX Service. They have called many times ... XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They have been calling twice a day. I do n't answer, but when my machine picks up, they hang up. The number is XXXX. I am not sure if this is collections and they have the wrong person.
This is the first time I have ever pulled up my credit score and to my surprise I had an account in collections that I was never aware of. I do not have any credit cards nor do I have any outstanding balances. Can you please assist me in fixing this problem that I know is not mine.
Suntrust bank continues to assess overdraft charges while my account is still positive. Their explanation continues to be that my balance on online banking is not the correct balance, that I am not able to see the actual balance. This last time they charged me {$140.00} in fees before my account ever became negative, {$36.00} each time.
I don't have the exact dates as I have recently received a new job, and I sent the fax through my old work email. But, I have sent a request to have late payments removed from my XXXX  XXXX   account because they should not be on my account. XXXX XXXX and myself had my loans in deferment from XXXX XXXX, and from XXXX XXXX. If my loan was listed as in deferment for that period of time, then I shouldn't have any late payments on my account. This is severally affecting my credit score, and right now I am trying to get a new home but I am not able to because my credit score is slightly too low. I have already filed a dispute with XXXX  and XXXX ( I am waiting on XXXX  because I have to create an account with that bureau ). The dispute with XXXX has come back as finding my dates accurate from XXXX, but non of the late payments were addressed. I am aware that XXXX XXXX makes money off of late payments, which is why I am sure they are reluctant to switch this around, but this is really affecting my chances of getting a home. Also, I am sure, beyond a shadow of a doubt, that this has to be affecting multiple people and, unfortunately I can not report this to the XXXX XXXX XXXX because it is for a federal student loan. If there is anything the CFPB can do, I would greatly appreciate it. If you can actually do anything I will gladly find any and all documents you need, however, I do not want to waste my time if there isn't anything that can be done.
I applied for a mortgage loan on XX/XX/2018, early in the loan process I received a credit file alert that a new account ( XXXX Business credit card ) was reporting in my personal credit file of all three bureaus. I contacted XXXX disputing the reporting of a business account on my personal consumer report, they refused to delete it from my personal credit file. XXXX is unable to produce a consumer credit card agreement that I have acknowledged or signed that stated that they can legally report a business account on my personal credit report. Please note that the business credit card had been open a year and never reported to my personal credit file.I subsequently opened disputes with XXXX, Equifax and XXXX on XX/XX/XXXX and again on XX/XX/XXXX and XX/XX/2018. My disputes each state that XXXX is reporting the account as an " individual account '' erroneously as it is a business account and should be deleted. I provided a letter from XXXX of which it is clearly addressed with Company name. XXXX, Equifax and XXXX each stated after two investigations, XXXX has confirmed that their reporting is accurate. XXXX 's reporting is illegal and I need this blatant erroneous reporting of this account deleted from my credit file with XXXX, Equifax and XXXX.
I learned that Equifax had a security breach and went to their website at https : //www.equifaxsecurity2017.com/ to determine if my information was compromised. I learned that based on the information I entered my personal information was compromised. I immediately called Equifax at XXXX and placed a 90 day fraud alert on my credit. I ca n't believe that the very company that is designed to safeguard my credit information and help me NOT get comprised is got compromised. I will continue monitoring my credit information and immediately dispute any changes to my report. I WILL NOT sign up for any service monitoring my credit with Equifax due to their negligence with my personal information and my lack of trust with them.
We have been trying to complete a deed in lieu ( DIL ) with Wells Fargo Bank and just do n't seem able to conclude this. 

We tried to do a short sale with no luck and we 're finally able to get Wells to do a DIL with us. We signed the DIL agreement with Wells Fargo XX/XX/XXXX with an agreed vacate date of XXXX XXXX, XXXX. As part of the DIL with Wells Fargo they also agreed to settle a XXXX we had with XXXX and pay them ( XXXX ) {$12000.00} to settle. 

We vacated the house on XXXX XXXX, XXXX and did not sign the closing paperwork with Wells Fargo until XXXX XXXX, XXXX ; this is after Wells was a no show for the closing on XXXX XXXX. 

As of last week we have still not received final closing paperwork from Wells Fargo, the home is still in our name and the {$12000.00} payment to XXXX for settling the XXXX has not taken place. We also continued to pay the utilizes on the house until XXXX XXXX, XXXX at which time we stopped paying the gas, electric and water ; was not able to stop paying for trash service as the house is still in our name. 

We have representation from a local attorney and he is trying to get this resolved as well. 

Any help you can give us with this would be greatly appreciated.
Capital One has charged me interest when I paid the balance printed on the current statement in full and by the due date. The supervisor is claiming this is due to the fact that charges posted afterward. When I questioned the most recent statement, I was advised that this was because my due date was on the XXXX, but my next bill generated on the XXXX, resulting in further charges being due. I asked how I could be charged interest on something that had n't yet been reflected on any billing and the same answer was repeated. The charges have not been credited back to my account. I even asked the supervisor if this is legal under the Credit Card Act, but again, received the same answer. I also read this to the supervisor. The XXXX line on the back of their bill reads as follows : How can I avoid paying interest charges? If you pay your statement 's New Balance in full by the due date ( which I did ), we will not charge you interest on the portion of the balance that you did not pay. It made no difference.
I am a victim of identity theft and someone stole and used my personal information to open a XXXX XXXX XXXX Checking Account : XXXX and Money Market Rewards Savings Account Ending In : XXXX, the accounts are fraudulent, unauthorized and do n't belong to me. I have never had or opened an account with XXXX XXXX XXXX.