WillisBack/dataset-financial-user-claim huggingface dataset:
I have done several complaints regarding a debt t hru Pinnacle Credit Services a nd theservicer of the account  XXXX   XXXX   XXXX . They have the opened date as  XXXX   XXXX  but that is the date they bought the debt. My original creditor  XXXX  charged it off  XXXX   XXXX   XXXX  and my last payment on this account  XXXX   XXXX ,  XXXX  as they have clearly stated in the letter I have attached but they will not change the date in  XXXX  an d two years makes a difference. I thought the date on the credit report was the last date of payment not when the debt collector purchased the debt almost 2 years later. The date needs to be corrected
Transunion is showing that XXXX XXXX KY has an outstanding lean on me in the amount of {$320.00} however that balance was paid by my XXXX.
I received letters and phone calls from XXXX XXXX XXXX in regards to an ER doctor bill from a visit my son had on XX/XX/17. At the time of the visit, my max out of pocket had been met. Additionally, the hospital itself received payment within 2 weeks of our visit. The ER doctor 's office - XXXX XXXX XXXX XXXX failed to file my claim appropriately by not putting my son 's name on the claim. They put my name down as the patient and used my sons DOB and gender, thus my insurance denied it because it didn't match up. The doctor 's office forwarded me to collections. I called GLA and indicated that it was not my error but the doctor 's office and they told me it was my responsibility. I called the doctor 's office and they refiled the claim. My EOB indicates that I have {$0.00} responsibility on this claim. In the meanwhile, GLA put this on my credit report. I do not owe this, it was the doctor 's office error and this matter is on my credit report which wrong and inaccurate. Anthem, my insurance is going to call the doctor 's office, but I want this removed from my credit report. It is not right that it is on there. 
GLA Collection XXXX XXXX XXXX, XXXX, KY XXXX
The issue was false advertising and " switch and bait '' practice. The company did n't address this issue in either of their responses. According to Press Release, there was no restriction to XXXX cashback earnings. A few weeks later, the terms and conditions added more restrictions and put the burden on consumers to provide receipts. This is not acceptable. I personally incurred financial losses for buying an iPhone and applying for a new Discover card. I needed the cashback promised to be added to my account.
I have been working diligently to repair my own credit. My credit score was XXXX four weeks ago, now it 's XXXX, all of a sudden my score drops almost XXXX points for no reason at all. I have paid my credit cards in a timely fashion. I have brought my utilization to the right percentage, and my score is continually dropping every day for no reason at all. My husband and I share the shame credit cards, and his scores are constantly going down. All XXXX credit bureaus are reporting my score inaccurately. My utilization is XXXX % which is good. This is unethical, in what is going on with the XXXX credit bureaus. They inaccurately reporting my credit score and this is not fair. My score should n't have dropped almost XXXX points in four weeks if I 'm making sure my utilization is good, and payments are good and on time. If you could help me in any way that would be greatly appreciated. I 'm utilizing XXXX XXXX which I was told that XXXX owns this company, it 's a scheme to keep people looking like they have bad credit to make them suffer and not be able to get the help they need in society. They ought to be ashamed of themselves for being unethical with their approach. The scores on XXXX XXXX are updating daily and fluctuating up and down by a lot of points in which I do n't understand. This is unethical please see attached picture of this.
Contacted XXXX, XXXX and experian on XX/XX/2017 regarding an collection account that is invaliding reporting ; I do not have a contract with this company the reporting is a HIPPA violation and its is reporting multiple times XXXX XXXX is reporting to bureaus 5 times with different account numbers however same amount.
So Ive been waiting for two days to get my direct deposit and when I call the corporate office they just keep on saying that they dont have a estimated time on how long and it ridiculous because I have a life I have to tend to and I need my hard earned money its my grandmas birthday and I cant even get a gift for her like something has to happen
This was sent to resolve the issue : Information : Sent on XX/XX/XXXX at XXXX I need an email stating the reason for 90 past due was because of a forbearance -modification period. This was supposed to be corrected by Roundpoint Mortgage just like my other account after the trial period was completed. I full filled all my obligations on time based on the guidelines of the forbearance -modification. This is a reporting error, as a result it has affected my credit rating negatively. There have several recorded phone conversations stating that the forbearance -modification wasnt suppose to impact by credit negatively. Thanks What do I need : An email giving an explanation for the 90 days past due within 24 hours.

Action : If I dont receive the email with 24 hours stating the inaccurate reporting, I will file a complaint with the Consumer Financial Protection Bureau at the end of business on Friday XX/XX/XXXX XXXX. Simply waiting for the matter to be vetted and resolve later is not an option. Its been months since the forbearance -modification was completed. Thanks. 


Sent XX/XX/XXXX XXXX All, I received a phone call on XX/XX/XXXX satiating my account was never late but there were no documentation ( email ) to support that. Im in the process of filing a complaint with Consumer Financial Protection Bureau as we speak.

Action : I need an email within 2-4 hours from Roundpoint delivering on their promise that the issue was resolved via email. Thanks.
XXXX in violation of my cra showing a late payment never late with Nordstrom XXXX has fixed it but XXXX has not
I contacted the company and sent them supporting documents that I was a victim of identity theft and I never attended XXXX XXXX school they we 're being Extremely rude I told them another company Had the account before I disputed it with them also and give them a police report and also to all three credit bureaus over the matter.
I had a foreclosure that was closed on XX/XX/12 and the account shows a date of last action and closed as of XX/XX/12 but they are reporting new late pays every month.I have tried correcting this issue by contacting them and going to the credit bureaus but have had no success.
I noticed that my bankruptcy filed XX/XX/XXXX has been updated and resubmitted to reflect a current date of XX/XX/XXXX which is incorrect and looks like i just filed the bankruptcy. 
under XXXX and Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   this information is incorrect and should be cleared up and updated to the original correct filed date of XX/XX/XXXX
TAVCO CREDIT SERVICES - sent account to collections with no attempt to contact us regarding payment. They claim that legally they were not able to call or sent letters to us because we live in Oregon and the emergency room imaging was done in California ( on XX/XX/XXXX ). Never knew about account until a credit check was ran, and found that this was in collections. Has lowered credit score by 200 point! Immediately called the company and paid the amount due of {$510.00}, paid in full on XX/XX/XXXX. Would like this completely removed from our credit history due to lack of communication from Tavco.
A cable bill was opened in my name 5 years ago that I was unaware of. It was resolved and it was removed from my credit report 5 years ago. Got a notification last week on XX/XX/18 via email showing what resolved 5 years ago and removed from credit report is now again on my credit report I nevered opened an account under XXXX XXXX  internet company I have never had a contract with them. The payment amount of {$390.00} phone number XXXX company name EOS CCA
Focused Recovery Solution ( FRS ) - I paid off the attached debt to the creditor. Once my check cleared I contacted the account to verify if my account was updated and information forwarded to the credit bureaus. I was informed FRS does not update the credit files with partial payments. I advised the account I was only aware of the balance of {$750.00} and inquired of the difference. The FRS collector advise she wasn't sure of the difference therefore I disputed the balance of {$130.00} with the account. To date I have to received an explanation of the remaining balance. 

Once FRS advised they did not update partial payments to the credit bureaus I forwarded the information to the credit reporting agencies directly ( XXXX, XX/XX/XXXX and XX/XX/XXXX ). All three had updated my file to reflect the correct balance however when I checked my report with XXXX today I've noticed the full amount of the account was re-established on my credit report ; which is erroneous.
I obtained a copy of my credit report through the app  XXXX   XXXX . I noticed that there was an account on the report that had several errors in it and I disputed the account online through TransUnion. I waited for an investigation result asking for verification of the documents that the credit bureau used to validate this account and none were provided when I called on  XXXX  to check the status of the report the agent told me that the results were given online and that the account was validated by calling  XXXX   XXXX  and they referring that the information was correct. I asked the agent again what documentation did TransUnion have at the time that they validated this account and I was referred back to obtain documentation from  XXXX   XXXX  I asked to speak to a supervisor because I was aware that I could ask for validation of an account and the documentation that was used the agent told me that they were within the correct reporting rights and that there was nothing that she could do. I asked to be transferred to a supervisor the supervisor then told me that the account by verbal confirmation was validated through  XXXX   XXXX  again asked her what information did they have in their files at the time that the information was given she notified me that there was no documentation given. I told her that this was a violation that there are several components that need to be verified before the account can be placed on the credit bureau she again told me that this is within the rights of the credit bureau I told her that if she did not have documentation or could not provide any that the account needed to be removed until the documentation could be given. She said that she would not do that and I told her that I will be filing a formal complaint
I was involved in an auto accident and my car was paid off to Compass Bank. They misplaced a warranty check for three months, when they finally admitted there mistake they have refused to send an update to the credit bureau, which is ruining my credit. 
This bank has bully tactics and while they had misplaced check I continuosly received collection calls and the run around from this company. I hired an attorney and they have sent communication that they would remove this line item from my credit XXXX XXXX, the last regional manager informed my attorney on XXXX XXXX that it would be removed by 45 days .It is the XXXX day and it is still not removed. I have filed a complaint with the BBB, the attorney general, the banking commission, hired an attorney, now filed this with you. Hopefully this helps
Roundpoint mortgage servicing corporation obtained the mortgage I closed with XXXX XXXX on XX/XX/2018. This loan includes an escrow requirement for property taxes. On XX/XX/2018, I provided XXXX XXXX with a letter from the county indicating that I owed no property taxes for XX/XX/XXXX. I asked XXXX XXXX to remove the property tax escrow from my mortgage payment. They indicated they had sold the loan and could not do anything and I should contact the new owner of the loan, but they couldn't give me the new owner 's contact info until XX/XX/2018.

On XX/XX/2018, I was notified that the owner of my loan was now Roundpoint mortgage servicing corporation. I immediately provided XXXX   with the letter from the county indicating I owed no property taxes for XX/XX/XXXX and asked them to remove the property tax escrow requirement from my loan and to apply the XX/XX/XXXX property tax I already paid to my loan balance. XXXX notified me that they received my request and would contact me by XX/XX/2018. I never heard from them. They sent me a letter saying that the escrow could not be eliminated since I owed escrow payments for insurance and for PMI payments. I notified XXXX that I did not request the elimination of the escrow, only the removal of the property tax component. I spoke with a supervisor at XXXX who guaranteed me that my issue would be resolved by XX/XX/2018, and she guaranteed me a call on XX/XX/2018, to verify the resolution. I have not heard from XXXX and my account still shows the payment required for the property tax escrow.
I was a victim of trans unions credit inquiry issue. I attempted to contac t Trans Union b ut the customer service representative failed to resolve the issue.
Had to get our transmission fixed in XX/XX/XXXX. Applied for credit for {$1500.00} through XXXX on XX/XX/XXXX. The manager said if we pay off everything by XX/XX/XXXX everything should be fine. He let us know that the payments would be {$200.00} a month. Come to find out it was at a 151.99 % interest rate for the next 24 months. We have now paid {$1400.00} and only {$91.00} of that has gone to the principle, leaving {$1300.00} paid in interest. I feel that in our time of need, XXXX XXXX  took advantage of us and we will pay more than double the amount of which we borrowed.We have paid on-time continuously and are left in debt because of it.
According to the card and what I was told on the phone I have had this card since XX/XX/XXXX ( but I had card of pre-merger company before then ). The card does not expire until XX/XX/XXXX. I buy gasoline on the card intermittetently, and I made my last scheduled payment for the full amount on XX/XX/XXXX via their electronic portal. I received a letter dated XX/XX/XXXX stating that my account was now closed. I spoke with different agents and got different explanations. I don't think I have ever been delinquent on this card and pay according to terms and within the period so that interest is not charged. In the past they have reduced my credit limit, and that is ok with me because I don't want too much available credit to affect my credit score. I was told I could re-apply, but just the closing of my account by the company has already reduced my credit score.The last bill was for {$970.00} ( I think I had a credit for having paid too much before ). They no longer send paper billa and have neglected to e-mail me that I owe a balance, but nonetheless I have kept my account current. 
I berlieve that the company has made the following violation : ( b ) Account termination. ( 1 ) A  creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge.

( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance.
I was served on XXXX XXXX under deceptive and adusive tactics. I filed a counterclaim with the court and fought very hard to get to mediation however my counterclaim was dismissed before ever getting to argue my complaint. I believe I have a right to know either the name of the server or the company they work for. The plantiff directed me to the Register of Actions with the Court however that info was missing. I have been under extreme mental stress from this bankruptcy and have recently started new medication for XXXX specifically because of my financial situation. 
Case number XXXX
I visited XXXX in XXXX, CO and was looking at cars. They let me know that they were running a credit report to see what loans I qualified for. I let them know that I only would allow one company to run the report ( XXXX ) and they agreed. They did not tell me that other companies would be running a credit report to give me loans and I specifically told them that I did not want my credit run through finance companies I did not approve of. I was unaware and did not give understandable permission for this company to run a credit check on me. I was pressured into running a credit report when I did not want to because I was a first time car buyer and unaware that when XXXX ran the report it would go through numerous agencies. They did not clarify and tricked me. I think this is unfair in that it affects my credit score negatively.
I am trying to resolve the issue with XXXX but they are not cooperating. I spoke with the collections and they show an amount but have no proof to accompany this non valid debt. My mother called on a product for my husband and I at a previous address. We decided to go with XXXX instead. XXXX sent us a wireless box which we never ordered and we immediately returned. We received bills on the product and called them, wrote letters disputing it but they did not remove it. This company is unethical and unprofessional and they can not show proof of anything other than saying it was disputed. I spoke with collections and they could not bring up any information and sent it back to billing. I am out of resources to remove this from my credit report as well as from my husbands.
IM UNDER VA CARE, AND THEY SENT ME TO A OUTSIE DOCTOR AND THE VA DONT XXXX THE XXXX THEY SENT IT TO A COLLECTION ANGENCY.SO THE ANGGENCY GOT AHOLD OF ME AND I PAID THE BILL. AND I DISPUTED AND THEY DIDNT TAKE IT OFF MY CREDIT REPORT
I was in a auto accident and I have a judgement against me. the law firm will not report the payments I am making to the credit bureau, so I can be shown as making the payments on time.
A few months ago, I took advantage of a 0 % for 18 months balance transfer offer from Bank of America ( BOA ) with a initial one-time balance transfer fee. I already had a roll-over balance ( for purchases ) on the card. I 've been paying well over the minimum payments monthly and my interest charges on the roll-over balance have not decreased. I called BOA to inquiry about why my interest charges were not decreasing and they informed me that all my payments were being applied to the balance transfer and not the roll-over balance. I thought I was paying toward the roll-over balance. This does not make sense because I performed the balance transfer so I would not have to pay off that balance for a period of time ( interest fee ). I asked if this could be adjusted and they responded " no. '' I would have to pay the entire roll-over balance in full and eliminate interest. I do n't think this is reasonable.
Balance transfer ( 10.74 % ) being charged ( incorrectly ) AS direct deposit rate ( 17.49 % ) Also no way to contact - Can not get through to customer service. In telephone queue for over 2.5 hours!
In my previous complaint, I wrote that I disputed online with Experian on XX/XX/18. 
I had uploaded all my documentation and sent it on its merry way. I logged into my experain account today and tried to check on the status of this dispute. It was not showing. 
I than called Experian and they said that they have nothing from me from XX/XX/18. This is a XXXX! I know that it was upload and submitted, and now it is not there. XXXX said that it was a re dispute of another dispute and said that they will not dispute again. Well if she knew if was a re dispute than that proves that my dispute on XX/XX/18 was uploaded and she just blew Experian out of the water. I was not trying to dispute with the company again. I was asking for follow suit to the other credit bureaus and to remove this item from my Experian report. I sent in documentation to you, and Experian that XXXX  and XXXX deleted off credit reports. I was also told that Experian does do follow suits, but again that was a lie and I know this for a fact because they have done it for me 2 times in the last few months. 
Experian is a bunch of XXXX and they are not doing their job correctlty and lie about all sorts of things that are untrue.
Submitted payment through the only means Carrington Motgage Services would make available, XXXX XXXX {$1600.00}. Carrington Mortgage Services declined payment. They are demanding full payment and I ca n't do that. It is over {$5000.00}. In addition there is no way to make a current payment. I have applied for the loan to be modified but I get the impression they are simply trying to drive me out of the house
.. The inaccurate and unverified item listed below remain on my credit report in violation of Federal Law. This account was settled with original creditor.There is no contract with collection agency, no valid verifiable claim. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct? Who verified this account? 

Transunion has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Account : XXXX {$2300.00}
ON   XXXX     I MOVED OUT OF THE APARTMENTS.   XXXX   XXXX   A COLLECTION COMPANY NAMED  XXXX   XXXX   XXXX    XXXX   XXXX  , REPORTED A DEBT IN THE AMOUNT OF  XXXX  ON MY CREDIT REPORT. I NEVER RECEIVED A DEBT VALIDATION NOTICE. I KNOW I HAVE 30 DAYS TO DISPUTE A DEBT BEFORE IT IS REPORTED ON MY CREDIT REPORT. BEING THAT I DID NOT MOVE OUT UNTIL THE   XXXX   XXXX   XXXX   THERE IS NO WAY THAT  XXXX   XXXX  COULD HAVE SERVED ME WITH THE DEBT VALIDATION NOTICE BEFORE   XXXX   XXXX   AND THEN LEGALLY REPORTED IT ON MY CREDIT FILE, BECAUSE THAT IS LESS THAN 30 DAYS.     I SPOKE WITH THE ORIGINAL CREDITOR,  XXXX   XXXX  AT  XXXX , AND THEY ALSO STATED THAT THEY DID NOT EVEN COMPLETE THE INVOICE UNTIL  XX/XX/17   . THEY ALSO STATED THAT ONCE THE INVOICE IS FINALIZED THEY ALLOW THE CONSUMER 14 DAYS TO PAY THE ACCOUNT BEFORE SENDING THE ACCOUNT OFF TO COLLECTIONS.     I WOULD LIKE THIS DEBT TO BE REMOVED AND I WOULD LIKE TO BE NOTICED PROPERLY. THESE TIME LINES DO NOT ADD UP. THE EARLIEST DATE THIS DEBT COULD HAVE BEEN REPORTED ON MY CREDIT REPORT IS  XX/XX/2017    AND THAT IS IF THEY HAD NOTICED ME, WHICH THEY NEVER DID.     I WENT TO THE ORIGINAL CREDITOR ON   XXXX   XXXX   AND OBTAINED A COPY OF THE INVOICE AND DEBT THAT I WISH TO DISPUTE. I HAVE INCLUDED THAT INFORMATION WITH THIS DISPUTE
I made an interest only payment one month on car loan and for 4 months now they call me 8 to 10 times a day on my home phone and cell phone. Most are robo calls.