WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX at XXXX XXXX XXXX XXXX XXXX DE XXXX was my Consumer Residential Trash Service from XX/XX/XXXX through XX/XX/XXXX. I had called and cancelled my service on XX/XX/XXXX which was before the next billing cycle starting XXXX. This was to switch companies for a more favorable price through my Neighborhood Association recommendation. For reference, XXXX XXXX bills in advance for service. So, the next bill due in XXXX would have been for XXXX, XXXX, XXXX, and XXXX Services. At the time of my call to cancel, XXXX XXXX confirmed my request, confirmed that my balance was {$0.00}, and within a few business days, they had picked up their trash cans. A month later, on our around XXXX, I received a past due notice for amount owned of {$130.00}. At this time, I called XXXX XXXX, and again, they confirmed my cancellation effective on XXXX. Then again, on XXXX, I received another notice from republic services indicating my account was past due for the amount of {$130.00}. I again made a phone call to XXXX XXXX with concerns that I was receiving a past due notice for service that was cut off on XXXX. They assured me that the billing cycle would resolve itself and I would stop receiving notices by XXXX. On or around XXXX XXXX, I received a notice dated XX/XX/XXXX from RMS ( Receivable Management Services Corporation XXXX XXXX XXXX XXXX, OH XXXX ) indicating that XXXX XXXX had submitted the amount due of {$130.00} to collections for recovery. I immediately called RMS and disputed verbally the amount. They indicated that they have submitted the dispute request and as of XXXX, I am still awaiting the result of that dispute. Meanwhile, I received a notice in the mail on XXXX from XXXX XXXX with a Final Notice dated XXXX indicating I had 10 days to respond before they refer my account to a Collection Agency. Two Issues here. # 1 ) they sent me the notice post the 10 day turnaround so even if the debt was legitimate, there was no way I had time to respond prior to the supposed turn over to collections. # 2 ) As explained above, I had already received a notice dated XXXX XXXX from the Collection agency RMS as explained above so XXXX had already sent the account to collections so misrepresented the 10 day timeframe starting on XXXX. Lastly, I called a final time today to XXXX XXXX on XXXX to again dispute this charge. They again agreed the account was cancelled and I should have not been charged. They indicated would submit an inquiry to billing and " take care of it ''. I had received this indication before so I asked if they would call me to confirm and the response was " no ''. I feel as a Consumer, I have made multiple attempts to resolve this situation and either XXXX or RMS agency has resolved or even responded to my disputes. Now Im just waiting for it to hit my perfect Credit File so I can dispute through the Credit Reporting Agencies.
I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX ( XXXX ), XXXX, VA XXXX Phone : ( XXXX ) XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.
This is a complaint from XXXX XXXX against Transworld Systems Inc for Transworlds failure to provide requested information for the debt alleged. Consumer has received multiple demand letters and phone calls from Transworld regarding a debt that he does not recognize. Consumer is an XXXX veteran with a XXXX XXXX XXXX and XXXX, and this matter has been causing an immense amount of stress. Because of this, consumer sought legal counsel for the matter. On XX/XX/XXXX, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d.  Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. The letter requested that Transworld respond within 15 days in order to start resolving the matter in an expedient fashion to mitigate further aggravation of consumers illness. Consumer received no response, so a CFPB complaint was filed on XX/XX/XXXX ( XXXX ). In response to this complaint, TransWorld responded providing statements from the original account as validation. However, these statements do not address the concerns outlined in the complaint, and do not show ownership of this account by TransWorld. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Currently we are behind XXXX and XXXX on our mortgage. On Tuesday XXXX XXXX someone was pounding on my door at XXXX in the morning. I jumped up ran downstairs and there was a car speeding off. It was a vendor wells Fargo hires they put papers on your door and take pictures of your housr. They placed an incomplete paper on my door and woke my whole family up on a day my XXXX year old was having XXXX
My credit score is being reported on XXXX and XXXX but not on Equifax. I verified with my bank that they are reporting the score but when I called Equifax they say that they can't locate my credit history. I have had credit checks failing because of this. Can you please help me fix this? 

I called Equifax & my bank ( XXXX ) a month ago. XXXX did not have my SSN on file, so they updated it. In the meantime I also got a XXXX card which again started reporting to the other two bureaus. I got in touch with Equifax today and they still don't have any information about me. How can I get my credit lines synced across the 3 bureaus? 

Thanks, XXXX
Companies doing hard inquires days with each other. Causing  XXXX  or more hard inquires to hit m y credit score f or  XXXX  company.
I have been working with XXXX XXXX XXXX ( XXXX ) and LoanCare to resolve an escrow amount that was not properly applied to my account. My loan servicing changed in XX/XX/2018. At that time, my previous provider ( LoanCare ) had sent a payment to XXXX County for my property taxes in the amount of {$3100.00}. The amount was returned to LoanCare from the county as no payment was due. When LoanCare received the check, they forwarded the payment to XXXX but XXXX never applied the credit to my escrow account. I received a notice from XXXX that my escrow account was negative and that I owed more money in XXXX. I then called to inquire about where the {$3100.00} was and why it hadnt been applied to my account. I spoke with 2 different agents on separate occasions and neither followed up on the payment. On XX/XX/2018, I finally forced a conference call between the 2 companies. At that time, both companies agreed that the funds were never transferred from XXXX to LoanCare and that LoanCare would need to reimburse me for the escrow shortage. I then began to work with different agents from LoanCare to try to get resolution and payment. I spoke with the company on XX/XX/XXXX and XX/XX/XXXX to try to get the payment refunded to me and neither time did the customer service representative follow through. In XXXX I called a third time and reached XXXX XXXX with LoanCare. After 3 days of calling the company, XXXX informed me that XXXX did in fact receive payment and negotiated the check ( XXXX ) for {$84000.00} on XX/XX/XXXX. This check was sent to XXXX and the funds were for multiple clients accounts. She would not provide me with a copy of the cleared check as it contained other customer information. I then called XXXX to track down the item and spoke with XXXX, ( agent XXXX ) who told me that she would need to research the item and that the process could take until XXXX to refund the money. I feel as though these companies are not following through and taking care of their clients when they owe them thousands of dollars. I have since closed my escrow account so all of the funds are due to me at this point. LoanCare, a XXXX company, Nationwide Mortgage Licensing System ( NMLS # XXXX ) XXXX XXXX, XXXX : NMLS ID XXXX XXXX XXXX XXXX XXXX : NMLS ID Main Office XXXX ; NMLS ID Branch XXXX
I have checked ALL XXXX of my credit bureaus and this debt they company is trying to collect on is NO LONGER ON MY BUREAUS!!! This is illegal and it can not be collected on anymore. I need the company to cease and desist all lettets and phone calls now.
A charge was posted on my credit report which I constantly request proof of how this debt was incurred. I have not received any proof the debt belongs to meXXXX XXXX
I sent a certified letter to TransUnion on XX/XX/XXXX disputing incorrect reporting on my credit file. Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. I have not received an update in regards to this matter
I 've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau 's ( XXXX XXXX XXXX ) are neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor lack of investigation and communication I 'm requesting that all of the accounts to be removed. All of the loans in question were recently consolidated but the negative accounts that have been reported are hurting my scores. A list is listed below. XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX/American Education date opened XX/XX/XXXX XXXX XXXX XXXX/American Education date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX  date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX
I have been trying to resolve this issue with Diversified recovery Bureau. They have been calling me, my family members, and friends informing them that I have an outstanding student loan balance for {$2500.00}. I have been speaking to them since XX/XX/XXXX trying to get information about such loan that they are speaking of. On XX/XX/XXXX I finally received an email a 1st notice which was just an attachment letter with the Diversified Recovery Bureau letter head, the amount due and some account numbers didnt specify how or when I received this loan. So I called them back and them that I needed them to send me the actual legal Loan agreement, they werent to happy about that and proceeded to yell and insist that it was going to be a 3 month wait for me to receive such papers that I am asking for. I informed them that I was not just going to pay something that I never received any kind of statement in the mail about or even heard about until now from a collection agency. With that said they kept insisting that my credit score will continue to get hurt by this until it was resolved so if I wanted to wait 3 months that was up to me I told them that was fine I needed the legal documentation before I can proceed with this. The very next day XX/XX/XXXX I received an email from XXXX XXXX from Diversified Recovery Bureau with my enrollment agreement to XXXX XXXX ( that closed down in XX/XX/XXXX ) and a Ledger Card Thats suppose to state such loan. Looking over the ledger card that states I have a {$0.00} balance so I was left confused. I proceeded to investigate and called the department of education, student loan support, and my loan servicer and was informed that no such loan is under my social security. So I spoke to XXXX XXXX XX/XX/XXXX and informed him that I spoke to these and department and they dont see such loan, he then proceeded to tell me that it is not a loan that they are trying to collect but a remaining balance from my tuition that my federal loans did not cover at that point I was convinced there was something wrong. So I called back the department of education and they informed me if it was a tuition fee they are trying to collect they would definitely be able to see it on there end because they have there own collection agencies that handle such manner. They advice me this may be scam and to ask them to stop calling because as far as they can see there is not outstanding balance on my name. They also find it strange that a school that closes down in XX/XX/XXXX is collecting tuition fees. I never opened any personal loans and all my federal loans are in good standing
I opened a XXXX XXXX Credit Card account with Citi due to the limited time offer of XXXX points for {$2000.00} eligible spending in the first 3 months. I have access to this offer from both Citi website and XXXX website, and applied through the link offered. However, upon opening of this account, I only received the regular offer of XXXX points for {$1000.00} eligible spending in the first few months. I followed up with Citi on the limited time offer as provided, but Citi refused to honor the promised offer.
This dept was previously disputed on CFPB website on XXXX18. The original debt collector was XXXX XXXX XXXX, the debt was then removed from my XXXX credit report however, it was recently added back on to my XXXX Credit Report again from a NEW debt collector " Sourcerm ''. 

Sourcerm NEVER made any attempts to contact me. I only found out about it when I logged onto my XXXX XXXX account a few days ago.
Freedom Mortgage has falsely reported me as later on my payments which auto deduct. This dreadful mess appears to be almost corrected ; however, the balance of my loan should be {$100000.00} after XX/XX/2016 payments. The XXXX shows a balance of XXXX. I would like this corrected and XXXX showing the correct balance sent to me so that I can file my taxes.
Previously, contact was made with Diversified Consultants Inc in regards to a XXXX Account XXXX. I have sent letters and requests that they validate, not verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. All I receive from Diversified Consultants is copies of old bills as their form of validation which does not sufficiently prove that I am obligated to pay them anything. They have reported delinquent and incorrect information that I am asking to be removed.
I initiated automatic payments on my  American Express  card and was making the automatic payments every month. In   XX/XX/XXXX , I cha nged banks and went online to update my automatic payment information for my  Amex  card. I received an email confirming my automatic payments but when the due date came and went, my automatic payment did not come out. I received an email from Amex that they did not receive my payment so I logged on the website and it showed I was not enrolled in automatic payments anymore. I immediately paid it manually and had to re-enroll in automatic payments. I was charged a late fee and interest on the balance  (  the card was still under a 0 % interest promo until   XXXX   2017   ). I contacted Amex and was told it takes a month before the new bank would be drafted for the automatic payment so I should have made my payment manually. The confirmation email I received did not communicate that. The customer service rep waived the {$27.00} late fee after I asked and she reviewed my account. However, my card is no longer under the promo interest-free period because my payment was late even though it was not my fault. Amex should be required to notify their customers in the confirmation email they send out that it will take a month before the new bank will be drafted and to make your next payment manually. It appears they purposely do not inform their customers of this so they can make more profit by charging fees and interest.
2 of the 3 Credit Bureaus, including Equifax and XXXX, restrict passwords for personal access to your account to only 9 Numeric-only characters. 

In this age of data breaches, it is completely unsafe to use a short numeric only password.
XXXX XXXX is incorrectly reporting to all 3 major credit bureaus incorrect balances and payment history. They can not legally report Higher credit limits over the amount of the amount of the loans that I have taken out. 

These items have been disputed twice in the past year with each bureau and neither time have they failed to comply with rules and regulations to correct their errors. 

The amount of my loans do not total they amounts they are reporting and I have never received any documentation from them reflecting that they have verified the amounts I owe verses the total of my loans. 
If they can not verify the appropriate information and that all the debts they are reporting are correct then they are required by laws to remove those items from my bureaus.
I have sent numerous requests to this company regarding the failure to provide me the past due amount they state I owe along with providing me my CAR TITLE for a vehicle that was paid off in XX/XX/2012. Department of Motor Vehicles law states failure to provide the title within the 30 days after loan is paid in full results in an automatic {$25.00} penalty, plus another {$25.00} for each month the title is late.
A little over five years ago we went to XXXX to buy home. They told me they only dealt with Vanderbilt Mortgage. That was n't an issue at the time but when I went to sign the contract the interest rate was too high as 10.94 % the representative for XXXX Vanderbilt Mortgage tell me not to worry about it if I had make my payments on time in five years they would give me a much better interest rate. So I went forth with the loan. When I went to ask Vanderbilt Mortgage for a better interest rate several times to rework the loan they told me no in spite of my perfect payment history and submitted to them documentation that we have lost {$50000.00} of income and was struggling making the payment but I continue making the payment on time. I feel this is dishonest in a breach of a verbal contract that I had with the representative at the time I put {$10000.00} down and was going to pull away from the negotiations but told me not to worry about it they would rework it if I paid all my payments on time in 5 years and I have. One the representatives even hinted to me that I needed to be behind on my payments for them to even consider it which is also wrong. I feel that I 've been a good customer to them they 're making a lot of money off my interest and because I had a verbal agreement that it would be reworked in five years they should honor it.
On XX/XX/XXXX I called Commerce Bank regarding their attached promotion, Check300, '' Get up to {$300.00} for opening a CommerceRelationship Checking account + a Money Market account1. '', and asked their representative if I could open the Checking account online and receive the bonus, and she asked me what state I lived in and told me that if I opened it by XX/XX/XXXX, I would receive {$200.00} as long as my account was in good standing for 90 days after opening, but if I wanted the {$300.00} bonus I would also need to open a Money Market Account in the Branch. I told her there wasn't a Branch close by, and I was only interested in opening the checking account, and asked her if there was any fees to the checking account, and she said there is a $ XXXX monthly fee that is waived if you have {$5000.00} avg. daily balance. I then opened the account, and called in after 90 days asked why my {$200.00} bonus had not been received, and the representative asked my account number and after checking I was told that the {$200.00} would not be deposited until after 3 full statement cycles. On XX/XX/XXXX, I still had not received the Bonus and called back again, and spoke with XXXX  who verified me and said she would check with those responsible for the Bonus and call me back tomorrow. Not receiving the promised call, I called back on XX/XX/XXXX, and was told that they did not get a response to the email that was sent to the Bonus dept. and they would check with them and call me back tomorrow. Not receiving the promised call, I called back onXX/XX/XXXX, and asked for a Supervisor and spoke with XXXX  who asked me in detail about the online bonus offer I accepted and apologized, gave me her phone # XXXX, and said she would make sure she had an answer for me if I could wait until XX/XX/XXXX, and she would call me early. She called, and said the Bonus Dept. wanted to know if I got a personal letter or email invite for the Bonus offer, and I told XXXX   that as I previously told her I called in regarding the online offer, and confirmed that I was receive it. She said she would get back to me tomorrow. I did not hear from XXXX  and put a call to her Voicemail yesterday, and still no response.
Equifax lost the credit report information of approximately 143 million US citizens. This breach occurred in " mid-XX/XX/XXXX ''. Equifax only learned of the breach on " XX/XX/XXXX of this year ''. Furthermore, the public was only notified of this breach on " XX/XX/XXXX Equifax Inc. ( XXXX : XXXX ) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. '' This is problem of the most extreme magnitude and highlights several key points : 1. Equifax does not have a grasp of the key components required in maintaining secret financial data. 
2. It required several months ( from XX/XX/XXXX) to even become aware of any issue in their systems. 
3. Even after discovering the breach Equifax took another 5 weeks to notify the public of their problems. 

Equifax has demonstrated it is not capable of the required technical rigor which is a necessity to maintain my financial information.
I have unauthorized " INQUIRES '' on my credit report and I wrote to the creditor 's explaining to them that I did not authorize these inquires and that I am a victim of ID theft. The creditor 's never contacted me back and never removed the information from my credit.