WillisBack/dataset-financial-user-claim huggingface dataset:
I 've been trying to cancel my {$1.00} trial of the XXXX XXXX since XXXX XXXX. Due to XXXX XXXX data breach, Experian has mentioned that hold times will be long. I called them once on XXXX XXXX and was on hold for over an hour. I never spoke to a live person. I then called a total of 2 times on Friday XXXX XXXX and never reached a person. 

Since I was unable to speak with anyone to cancel my trial, as my last resort, I sent an email to XXXXXXXXXXXX Friday XXXX XXXX. I asked for them to cancel my account and not to charge any monthly fees. 

Today, XXXX XXXX, I was charged {$24.00} from " Experian XXXX, '' on my debit card ending in XXXX. They have failed to cancel my trial and as a result, I 've been automatically charged for the monthly service fee. 

This issue could have been easily avoided if there was a feature to cancel my trial on the XXXX XXXX website.
Around XX/XX/2015, I checked my credit report and discovered a collections account with the amount of {$640.00} owed to my previous apartment complex. I contacted the creditor to find out more information about the debt owed and received a letter containing the amount owed and a complete breakdown of charges. 

Upon receiving the charges, I noticed additional charges added to my account on the original creditor 's behalf. I.E. the creditor decided to replace all of the carpets in the apartment on their own behalf and charge me for the carpet repair. The carpet had been used under normal wear and tear conditions thus I should not have been charged. Luckily, I always prepare for situations like these when leaving apartments and I took an exit property video showing the condition of the entire apartment on the last day of occupancy. 

I contacted the agency and provided them with the video needed to support my claim. 
My initial contact with them in regards to the adjustment was denied. I followed up again with a written document requesting that the balance owed be adjusted to the correct amount and I agreed to pay the correct amount owed under the terms that they cease reporting to the credit bureaus. 

I received a response in which they ignored my offer for the correct balance payment and they offered a reduced number amount but also ignored my request to end reporting this account as negative.
Just got off the phone with Equifax after several failed attempts to get them to correct information on one account and remove another because of the date of the first major delinquency. Account Issue Number 1 -XXXX ( Loan Paid/close but reported as open ) I paid off XXXX on XXXX XXXX, XXXX. When a mont later Equifax was still reporting the loan open with a balance due of approximately {$14000.00} i I filed a dispute. On XXXX XXXX, XXXX they sent me a report saying they " verified '' the debt. In fact the report they sent # XXXX states the creditor reported {$13000.00} due XXXX XXXX, XXXX and thereafter reported " no data '' in XXXX and XXXX. So there was NO VERIFICATION. XXXX reports the loan as paid. Account Issue # 2 XXXX XXXX ( First Delinquency over 7 years ago ) I have asked Equifax to remove this old account several times. XXXX XXXX confirms that the loan is " old '' under FCRA rules but says its up the Equifax to remove.
I AM ATTEMPTING TO OBTAIN MORTGAGE ASSISTANCE AND AVOID A FORECLOSURE SALE. I HAVE SUBMITTED A COMPLETED MORTGAGE ASSISTANCE PACKAGE TO MY SERVICER - WELLS FARGO. WELLS FARGO HAS MY FILE IN REVIEW AND HAS ISSUED NO WRITTEN DECISION. THEY HAVE, HOWEVER, SCHEDULED A FORECLOSURE SALE FOR XXXX XXXX, 2016. NOT ONLY HAS WELLS FARGO NOT ISSUED A WRITTEN DECISION, THEY HAVE NOT PROVIDED ME A 30 DAY RIGHT TO APPEAL IN THE EVENT THE DECISION WAS A DECLINE.
Disputed the collection with millennium financial group on an account they purchased from XXXX XXXX XXXX which was a family based group with XXXX 's XXXX XXXX which closed down for fraud since 2014. No verification of debt amount not owed.
I bought a used  XXXX   XXXX   XXXX   XXXX  from  XXXX   XXXX   XXXX  in  XXXX   XXXX , AL in  XXXX . The loan was financed wit h Ally Financial. I purchase d a mechanical warranty through  XXXX   XXXX  which was financed in my loan. The warranty was a lifetime warranty that covered bumper to bumper. I had all of the service and maintenance done at  XXXX   XXXX  from oil c hanges to tire rotation/balance to brake jobs. I recently had problems where the check engine light came on about 3 weeks ago and took the car into the dealership to be repaired. The vehicle was diagno sed as needing a water pump but it was not covered under the warranty because of the lack of maintenance which is false. I ended up spending over {$1000.00} for the repairs.
I had a Capital One Credit card acct # XXXX The card was stolen and used without my permission while I was in the hospital I reported the Fraud on XX/XX/2018 As a result of the Fraud Capital One closed my Credit card As my right, I am requesting the complete UNREDACTED investigation file and any other information Capital One used or referenced as reasons to close my account. Per my right under the Fair Credit Billing Right Act & ECOA. 
If for any reason Capital One attempts to refuse this report it will be clear they are doing so to protect themselves of wrong doing. It is a long established fact innocent people or entities do NOT hide facts.
I received a phone call from the following phone number ( XXXX ) XXXX from a woman named XXXX XXXX, she phoned me at my job on Wednesday XXXX XXXX, 2015 about XXXX claiming to be representative of XXXX XXXX which is where I currently bank, she stated that something happened with my account and that was the reason for the phone call. I requested the phone number to return the call and she stated that the call would bypass her secretary and go directly to her. I looked the phone number she gave to me online and found out it is a debt collection agency named XXXX or Del Ray XXXX, so when I called this same lady answered the phone still claiming to be a representative of XXXX XXXX Bank. When I asked her for verification she proceeded to give me my old banking information. I informed this lady that I do not want her to contact me at work again and that I would be reporting her fraudulent behaviors.
I have requested the below-listed problems be fixed several times. The  Credit agencies and letters and telephone calls in vein to the Company reporting the trademarks in error. Every trademark being reported has errors listed, Th e most serious, is  XXXX , and   XXXX   XXXX   XXXX    XXXX . They are reported as being in collections, payment status is still listed incorrectly today. The Trademarks have been paid in settlement and paid in full,  XXXX /2015, respectively . See Attched  documents : There are  XXXX  more Trademarks with issues listed on each Credit report.   XXXX   ENCL 1 : Disputed items ENCL 2 : Copy of how I want item fixed ENCL 3 : Le tter, Payment etc. Bach-up documents for my claim
Time warner cable sent the account to collections prior to me returning their equipment after I cancelled the service due to a move about one month ago. The debt collector, IC systems, never contacted me about the payment and instead, they called my partner to say there was a debt owed by me, revealed the account it related to and the total amount due. As per the FDCPA, this is a clear violation as they can only contact relatives and the like to LOCATE the person. They can not reveal identifying information. What is more of a problem however is that they never attempted to reach me prior to making this call. I have no missed calls, mailed letters, emails or the like from anyone matching the company number. I also do not have any missed calls in general from any unknown numbers as I went through my call log for the last month to see if I had somehow missed a call.
Dear CFPB, I am requiring your assistance in resolving a fraudulent attempt to collect a debt not owed. This letter is in no part, an admission of debt owed and may not be used against me at any point. I had an account with XXXX XXXX water services and cancelled service in or around XX/XX/2017. I was preparing for a move across the country in XX/XX/XXXX. I had already had plenty of water and told them to cancel billing upon making my last payment. I had them collect my water jugs before making my trek across the country in XX/XX/XXXX. I never received a letter outlining the reasoning for this collection of the debt nor a statement of it's validity. However, if I did receive such, my account records would reflect no debt ever existed. Since noticing this negative remark on my credit report, I've tried to resolve this matter with the collections company. I've received harassment and endless calls from various numbers. The nefarious manner in which these criminals have attempted to collect a debt not owed has been extremely suspect. 

Sincerely, XXXX XXXX
I contacted Experian about the false information on my report which was submitted by XXXX XXXX which was a result of identity theft. XXXX and XXXX removed said inaccuracy but Experian refused.
My husband and I owned a single family home. He died last XX/XX/XXXX. This house was on XXXX XXXX XXXX in XXXX NC was put on the market, sold and closed on XX/XX/XXXX. " Dovenmuehle '' was the lender, account # XXXX. The mortgage was due at the beginning of the month so the time between XX/XX/XXXX and XX/XX/XXXXshould have been prorated and the remainder paid to me. I never received a check so I started calling to find out why I hadn't. 
I called and spoke at length to " XXXX # XXXX who said that a check had been sent to XXXX XXXX   instead of my home at XXXX XXXX XXXX, XXXX NC. ( why would they send a check to the address of the home I sold? ). XXXX said she'd put in a request to reissue the check and send it to me at XXXX XXXX XXXX 
The check never came. 
I called on XX/XX/XXXX and spoke with " XXXX '' who said I needed to send them a death  certificate before they could issue the refund. I sent it in. No check. 
I called on XX/XX/XXXX and was told I would have to fill out a form formally to change my address. I completed it and sent it back to them. 
I called on XX/XX/XXXXand spoke with " XXXX. '' She said they would have to check with the credit bureau to remove my deceased  husband from the account before they could issue me a check ( why this didn't apply in XXXX when they sent a check to the old address, I don't know ) I called on XX/XX/XXXX and spoke with " XXXX ''. I asked to speak to a supervisor. I was transferred to " XXXX '' ( XXXX ) who told me that the information wouldn't go out to the credit bureau until the end of XXXX. 
Still no check. So I called back on XX/XX/XXXXand spoke with " XXXX '' ( XXXX ). She said she saw all the records about my calls and that " it should have been taken care of. '' Apologies, apologies. She said she had put in a request for a check to be cut and sent to me. Told be I should receive it in 7-10 working days. 
You guessed it. 
Still no check. 
Mortgage company : Dovenmuehle XXXX XXXX XXXX, XXXX XXXX, Ok XXXX. ( XXXX ) XXXX
We have been working a loan modification with Citi Mortgage since XX/XX/XXXX. Citimortgage does not advise the client concisely what is pending within 30 days of receiving a package. They will request a documents then say it went to underwriting and come back and ask for more documents over the course of 6 months. Citimortgage confirmed all documents were received but then on XX/XX/XXXX more documents were requested. The bank is requiring the borrower to incur additional expenses without ensuring a loan modification such as the expense of a quit claim deed and to purchase homeowners insurance which is causing the client additional financial hardships. The bank requested homeowners insurance which could not take effect for 30 days due to the clients gap in homeowners insurance. Citi closed the file and assigned a new representative not familiar with the file right before a sale date. Citimortgage is intentionally prohibiting clients from being reviewed for a HAMP through these tactics and requesting documents from XXXX parties the customer has no control over how long the documents will be received such as the quit claim deed which required to be recorded and took a process of over 30 days and now requesting proof of homeowners insurance which took another 30 days for the binder to take effect. All documents requested by Citimortgage were submitted on XX/XX/XXXX. Due to assigning a new representative who is not familiar with the file we must begin the process again. Our office is experiencing this with all Citi files in our office. The HAMP directives are designed for the client to be reviewed within 30 days of a complete package but Citi will requesting additional documents right before the 30 days are up as to postpone the decision of the HAMP and totally disregard the HAMP Directives. Their missing documents letter are a general letter they send on all files which do not detail specifically what is pending but rather list all the documents need and the expiration dates for all documents needed as 90 day. Rather than provide the date the documents they have at hand with the perspective expiration dates. I submitted all documents requested hereto attached on XX/XX/XXXX. During this critical time before a sale date is not fair to the client to have a new representative assigned to the file.
In 2014 Capital One auto finance reported a fraud to my credit score account. My car I had purchased from them was stolen and I have a police report but capital one auto finance still put a fraud on my account and I need it removed.
On XX/XX/2016, I used online bill pay through the University of XXXX XXXX and accidentally sent my XX/XX/XXXX mortgage payment of {$1800.00} to Ditech, the mortgage company that previously held my loan. My loan was transferred from Ditech to XXXX Mortgage in XXXX. Ditech cashed my check and I was not aware that I had made an error in payment until I received a letter from XXXX Mortgage on XX/XX/2016 stating that they had not yet received my XX/XX/XXXX payment. I reviewed my online bank account transactions and discovered my error. I contacted XXXX Mortgage right away and explained my error and sent them proof of my on time payment and error. I also contacted Ditech who originally told me that the money was transferred to XXXX Mortgage on XXXX or XXXX and that XXXX Mortgage should be receiving shortly. As of today, XX/XX/2016, XXXX Mortgage still has not received any transferred money from Ditech. Ditech has now told me that they transferred the money on XX/XX/2016. Each time I call Ditech I get different information and no one is able to provide proof that the funds have been sent to XXXX Mortgage. I am incredibly frustrated and feel that Ditech has stolen {$1800.00} from me and are causing harm to me by not releasing the funds to XXXX Mortgage and they are creating a domino effect of issues on my current mortgage and XXXX be negatively impacting my credit.
Navient  contacted everyone with the same last name as me and born relatives that are them to harass them for money when they have  zero co nnection to my loans. My mother in law, sisters, aunts, uncles in other states never allowed them to contact my relatives or gave them any numbers to contact them. This is the Worst company to ever " borrow " money from! Breach of my contract. It makes me feel really uncomfortable to show they have authority to do such thing. I try to reduce My loans and they could not then I would take 30 monthly payments in and messed up my account breach of my contract it makes me feels really uncomfortable! I try to reduce My payments and they could not then I would take 30 monthly payments in and messed up my account even
I submitted a claim on XXXX and XXXX against Chase. Claim numbers are XXXX and XXXX. I received a response from Chase but they refuse to send me the credit report they claimed shows that they paid off a loan for me. They sent me a copy of the documents that I already have in my possession. and did not send me any additional information. I requested again the documents that shows what bills, credit cards, loans etc they paid off. I am not satisfied with the answers on both claims. They did not tell me if and why their pulled my credit report.
Spoke with a Equifax representative by phone to update inaccurate personal information and dispute unauthorized inquiries on a my credit report. I was told that the inaccurate information would be removed, to include name, addresses, telephone numbers and employment information. During the same telephone call, I inquired about what needed to be done to remove unauthorized inquiries as a FRAUD ALERT should have been on my files AND I never received a call from anyone inquiring about an offer to extend credit.. While there was no clear answer to the question, the rep took all the information in regards to the accounts that were unauthorized so I was under the impression that ALL of the requested information was being updated during the call. I was told that I could call back after 24 hours with the provided confirmation number and check the status. I called back after 48 hours and kept receiving an error message.
Several days later I received mail that appeared to be the result of EQ verifying that all of the requested information was valid. I later even received an alert notifying me that the incorrect employer that I requested to be removed WAS added to another credit reporting agencies report.
How was EQ able to verify that the information was valid in 2-3 days? If there was ( like I was told there was ) a fraud alert on my account, how were the inquiries able to be made? I feel like this inaccurate information is affecting my ability to obtain free credit reports as well as obtaining credit in general. I am requesting this to be rectified immediately as I would like to be a creditworthy individual.
I have been receiving calls for about 10 years from PENN CREDIT CORPORATION which attempts to collect a debt from someone other than me. I have informed them that the people they seek are not at this telephone number, but the calls persist. The calls were originally made by people, but now are automated. My telephone number is XXXX.
I contacted Amerisave Mortgage and spoke to XXXX XXXX, one of their loan officers. I told XXXX that I was turned down for a mortgage loan last summer. I told him I found another property and that I am looking into finance. I specifically told him that I need him to prequalify me before incurring any expenses. He asked me a good number of questions about my income, assets and liabilities. I answered him truthfully. He assured me then that he sees no problem in me getting the loan. He said he will email me a pro-approval letter to give to Seller, and proceeded to ask me for my credit card in order to obtain an appraisal. I am not sure as whether he asked for my credit card info during our first conversation or at a later time. 
After a month of dealing with loan processor, my loan was declined because my loan to income ration was XXXX and not XXXX I told XXXX XXXX as well as Amerisave Customer Relations that due care was absent dealing with me, that the loan officer should have had doubt about my qualifying in view of prior rejection, and should have been more thorough before costing me money. I asked for {$940.00} in expense reimbursement, but Amerisave declined taking any responsibility. 
PS : I asked Customer Relations to look over the recorded information between me and the loan officer. Customer Relations replied the tape was erased.
I sold a vehicle in XX/XX/XXXX and reported the sale on the Oregon DMV website. Nearly five years later ( XX/XX/XXXX ), the vehicle had never been registered or titled by the new owner. The car was towed and I received a letter from XXXX  ( XXXX bureau of transportation )  stating that a vehicle registered in my name was towed by XXXX XXXX. XXXX XXXX   started a lien, who also later sent me a letter saying the vehicle would be auctioned to pay the debt. I ultimately received a notice from a debt collector ( XXXX XXXX ) with a {$870.00} bill. I called them and notified them that I was no longer the owner and that I reported the sale. I went to the oregon DMV and requested the record. The record did not include the buyers address, which is not a required field to report a vehicle sale ( see attachment ). XXXX XXXX has this record, which also includes the buyers name. The record includes the fact that I did report the sale in XX/XX/XXXX such as to release my interest in the vehicle ( XXXX XXXX XXXXXXXX ). XXXX XXXX  refuses to accept this DMV record because It does not include the address of the buyer. I do not believe they are just in continuing send me bills/phone calls for this debt.
I contacted Experian about incorrect payment history for my XXXX XXXX account, which listed a 30 day late payment for XXXX 2016. I disputed this information as being incorrect and even offered to provide documentation to show that payments have never been missed and that this is an error with their system or with XXXX XXXX however it needed to be fixed. I just received the dispute results that indicate that Experian somehow verified this information to be correct however I just got off the phone with XXXX XXXX and they confirmed that there should be no lates in the system and that they did n't verify this information to be correct. Not sure what is going here but it needs to be fixed immediately.
Transworld Systems Inc claim they are the record keepers for XXXX but per XXXX state law, they are a trust not a lender like XXXX XXXX XXXX claim. In order for any servicer or collection agency to collect on this, they will need to show the dates of delinquency, how much is owed, when the loan was sold, proof that XXXX still owns the loan because is a known fact that XXXX sells debts into investment vehicles which means the loan could be anywhere. XXXX must have all of the correct documentation before anyone could collect on it per XXXX law. This is showing as 180 days past due but I have never received actual where my loan is, a promissory note is not enough information since debts are bought and sold all of the time. I spoke with a consumer rights attorney XXXX and they XXXX say the same thing, that the servicer and the collection agency must have proof they are suppose to collect on the loans. XXXX is a XXXX trust, not a lender or guarantor. I was also notified that XXXX used XXXX XXXX to finance which means they are not a lender because they are not a bank or credit union. It is illegal to collect on this debt without the proper documentation. I want the loans completely removed from my credit report because what XXXX must have possession of the loan to collect on it which is hard to prove since they sell loans as investment vehicles to shareholders.
I bank with Wells Fargo. Have checking account and personal loan. I asked for extension. Havent paid for 2 months and they take the money out of my account. Claiming I authorized this by telephone with collection agent. Then they change the story to there is a clause in the loan agreement allowing them to go into my checking account and take whatever they can?? This seems illegal. Now I cant eat