WillisBack/dataset-financial-user-claim huggingface dataset:
There is a debt on my credit report from i c system inc, for a XXXX XXXX bill, this is my XXXX time disputing this account and getting it removed only to be resold to another company. The first time this account posted by collection, i contacted XXXX XXXX, and through there investigation the concluded that this was a fraudulent acccount
I am having ongoing problems with getting Carrington Mortgage Services, who just purchased my load in XX/XX/XXXX, to post my XX/XX/XXXX payment correctly. I received my statement today, and it had a {$5.00} overdue payment charged. In XX/XX/XXXX, I paid my normal payment, plus an extra {$100.00} through my normal recurring autodeduct. This payment was deducted as scheduled on XX/XX/XXXX and was not late. I also made an additional payment of {$1000.00} via Carrington 's website. This payment also posted on XX/XX/XXXX. The  incorrect posting of the {$1000.00} is the subject of a different complaint, still unresolved. Carrington charges {$5.00} to make an extra payment on the website, and I accepted this fee. However, it is incorrect to record it as an " overdue payment '' when the account is not overdue. I called customer " service '' to discuss this issue, and I was told that Carrington knows the account is not overdue and all fees default to the " overdue payment '' category on the website. 

This is completely ridiculous. I am not comfortable having a shady company such as Carrington record a bunch of overdue account fees to my ten-years-ahead-of-schedule and never late account. A reputable mortgage servicer should have the ability to differentiate between a fee charged for making an extra payment versus a fee charged for having an overdue account. 

To complicate things even further, the payment history screen on Carrington 's website is completely unintelligible ( printout attached ). I am receiving statements that are wrong, the website is wrong, and fees and payments are not being applied to the correct categories. They have only had my mortgage for three months, and I am already having a hard time keeping track of the mortgage balance.
Hi I used Paypal to purchase eyelashes online from the individual named XXXX XXXX from XXXX on XXXX/XXXX/2016. However after repeated attempts to contact the seller and try to get status of the shipment, I still did not receive my goods. I wanted to dispute the transaction on Paypal but could n't and received the error saying " We 're sorry, but this transaction can not be disputed because it is not a purchase of goods or services. Please contact the recipient directly. '' However I could n't contact the seller, XXXX at all. I just want my money back at this point so please help me! 
Thanks!
I deposited a check into my Capital One 360 account. I called to ask if a portion of the funds could be released due to an emergency. They said no. I spoke with someone in Escalations and she said that she was the highest manager. So, now I am filing a complaint. I think it is ridiculous that they refuse to call the number on the check to verify the check so that they could release a portion of the funds. I feel that it is ridiculous that they will not release anything and that is n't right at all to me.
On XXXX XXXX, I used my debit card for {$23.00}. At that time I had {$300.00} in my account. Then on XXXX XXXX, I paid another bill for {$20.00} and at that time I had {$130.00} in my account. Later on XXXX XXXX, XXXX checks came through my account - XXXX for {$63.00} and XXXX, which I admit I forgot about writing, for {$120.00}. Bank of America manipulated the way the charges came through my account in order to charge me XXXX overdraft fees instead of just the one, and I actually think they are going to charge me a fourth fee this evening because the {$23.00} debit card from three days ago is still in processing and once it goes through another overdraft fee will be generated - even though the {$23.00} charge was approved three days ago. I know BOA paid a hefty settlement a couple of years ago for manipulating debit card charges in order to charge more overdraft fees and now they are doing it again. I guess they did not learn their lesson.
I filed a dispute on XX/XX/XXXX. I was not resolved so I called them on XX/XX/XXXX. They said disute was completed. I stated I .as not notified. Tthey sent me an email as of XX/XX/XXXX stating it was completed as of XX/XX/XXXX. I disputed this several times. They have not completed those disputes as of date. The other 2 reporting agencies removed the accounts from my report a year before.
On XX/XX/XXXX we received a letter from Ocwen Loan Servicing , LLC that we had missed a mortgage payment in XX/XX/XXXX. We immediately call them, spoke with XXXX # XXXX and told her that Ocwen cashed our check, electronically, on XX/XX/XXXX and emailed Ocwen a copy of the bank transaction, along with a copy of our bank statement showing the transaction. She said they would contact us in 15 business days. We have always paid our mortgage payment, even though we had to file bankruptcy in XX/XX/XXXX. Our lawyer at that time filed a " reaffirmation '' with Ocwen. On XX/XX/XXXX we received a letter and all types of forms advising that our loan is " in default '' and that we must select a method to bring this account current. It is obvious that Ocwen lacks communications and coordination between their internal departments. This latest letter borders on harasment. They cashed our check and have lost the monies that should be applied to our principle, interest, and escrow accounts. This is basically fraud and theft.
I am unable to upload documents in support of my credit dispute to Experian.com. Their upload form is broken. I 've tried 5 different browsers ( latest XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ) and followed their instructions precisely but continue to receive the same error which lacks any explanation of the problem. I called their customer support number but they have no menu option for dealing with disputes or technical support. The recording says only to mail in a communication along with numerous identification documents that I do not have.
XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX EQUIFAX RE : Dispute Letter of date you sent in first or subsequent requests To Whom it May Concern, This letter is formal notice that you have failed to respond to my dispute letter of I sent this letter registered mail and have enclosed a copy of the return receipt which you signed on XX/XX/2017 ALSO BOTH OF THESE ARE 60 DAYS OVER THE DEADLINE OF YOUR INVESTIGATION SEE ATTACHED COPY FOR PROOF ALL OTHER DISPUTED DATES AND TIME SEEMS TO BE INVESTIGATED CORRECTLY! 

As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since the receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you. 
I am aware that you may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I 'm sure you 'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records. 
The following information therefore needs to be verified and deleted from the report as soon as possible : CONFIRMATION # XXXX XXXX CONFIRATION # XXXX XXXX Please delete this erroneous item from my credit report as soon as possible. 
PLEASE LOOK AT DATE AND TIME AT THE BOTTOM RIGHT HAND OF THE FILE Sincerely, XXXX XXXX XXXX
Freecreditreport.com fraudulently charged me to obtain my XXXX credit scores. I had no notice that I would be charged and was assured that I would NOT be charged as long as I cancelled the membership within 7 days.
My husband and I were applying for a home mortgage through our bank. When the bank tried to pull my credit report from Equifax, they got notice that my account was frozen or blocked. I have never done anything at all with Equifax and am frustrated with how my account was frozen in the first place. 
I contacted Equifax the week of XX/XX/XXXX to discuss this issue with them. They were unable to tell me anything until I submitted a copy of my social security number and driver 's license. They gave me a fax number to send it to. I have continuously tried to fax over this documentation unsuccessfully as it will never go through. I then sent it through the mail with overnight shipping. They told me at Equifax that it will be processed with 3-5 business days. I mailed it on XX/XX/XXXX. 
I have called them every day for the last 3 days and they still have not processed my information. I feel as though I am speaking with a robot every time I talk with someone on the phone. If I ask a question that they do not have an answer to, they will say " If I was in your position, I would feel the same way '', instead of acknowledging that I even asked a question. 
It has been a week and a half and they won't do anything except tell me " It takes 3-5 business days to process. We have not yet processed your information ''. They will not unfreeze my credit, which I did not freeze in the first place, and are unwilling to do anything else.
XXXX  states I owe them for a bill I disputed this twice with the 3 cba and they stated verified. I was not aware of my rights at the time, now I check my credit report and XXXX is still on there and Jefferson Capital systems for the same {$750.00}. I have asked both companies for validation of debt with no response and yet they both appear on my credit report I can't believe this is legal.
I received notice that an inquiry from XXXX was on my credit report. I did not authorize XXXX to run my credit for anything. I filed a dispute with Equifax indicating the inquiry was fraud and requested for the inquiry to be deleted. The inquiry dropped my score XXXX points. In less than 24 hours I received an email from Equifax indicating the dispute was complete and inquiries are factual. I called Equifax and explained to them if they could not prove the inquiry it must be deleted. They informed me to contact XXXX. I contacted XXXX who told me to contact Equifax. This inquiry needs to be removed ASAP. I did not do any business with XXXX that would result in an inquiry.
XX/XX/XXXX my car was stolen, in my car I had my check book. Whoever stole my car also wrote bad checks out of that account. I reported this incident with US Bank at that time. The manager of the branch told me everything was taken care of and the account would be closed with out a problem. In XX/XX/XXXX I got served with legal papers saying that I owed that balance plus legal fees. At that time I wanted that problem to go away so I agree to make payments. A few weeks later I lost that job and was unemployed for years. Now I received a garnishment notice directly in my mail. The last time I made a payment was in XX/XX/XXXX. For what I understood there was a statue of limitation that protected me against being garnished at this point. The other reason I 'm filing a complaint is because the garnishment is already in process but I was never physically served paper or contacted to agree of the debt. I do n't think it 's fair to have to pay all the attorney fees for a balance that should n't even be owed in the first place. It took years after the incident with US Bank until I found out of the mess it caused. At the time the branch where I went to submit my proof of fraud was already closed.
I have requested information/ validation on this debt bearing my signature and have not received anything stating that I owe this debt. I have included numerous certified letters of dispute for validation bearing my signature have not received anything included in this complaint .Midland have repeatly responded stating that they have investigated and verified the validity of my debt and do n't even allow me to dispute their claim. I have never done business with Midland Funding, never signed a contract, nor do I owe them any money.
XX/XX/XXXX at XXXX XXXX Coinbase sent a message that they were restricted my ability to Buy & Sell Bitcoin because they say I was reselling of digital currency via other services. 

XX/XX/XXXX XXXX I opened a support ticket [ Case ID : XXXX ] requesting my limits to be restored since I have never resold digital currency via other services. 

XX/XX/XXXX XXXX I downloaded a full history of my transactions that contains questionable transactions that do not belong to my account and attached for report to the support ticket. 

XX/XX/XXXX XXXX Requested for ticket to be reviewed and resolved. 

XX/XX/XXXX XXXX Received a message that my limits have been increased but the Coinbase system does not reflect the change. I updated the support ticket with this confusing message from Coinbase. 

XX/XX/XXXX XXXX Requested for ticket to be reviewed and resolved. 
Also direct messaged XXXX XXXX on XXXX Also private messages XXXX on XXXX XX/XX/XXXX XXXX Requested for ticket to be reviewed and resolved.
Since   XXXX   XXXX     I have been trying to get validation of debt from  XXXX  antander Consumer Usa through all  credit bureaus so far no luck. This major error is affecting me on making a major purchase for house on  XX/XX/2017      XXXX   mail me a completed investigation removing t his Auto Debt but t he account was not removed from   XXXX   and  XXXX
I have disputed wrong information on my report since XXXX/XXXX/2016 and I have not receive any dispute letters from Experian.
A company furnishing date to Experian, did not comply with validation request. I provided what XXXX provided to me, which was just an itemized bill of a debt they were assigned that they are charging interest on. The company is not a licensed debt collector in Michigan, they provided no documentation that the debt was legally assigned to them, and provided no documentation that I signed anything allowing interest to be added or collection assigned.
My checking account was closed out in XX/XX/2018 due to what the bank claimed as insufficient funds. The account did go into the negative, but would've been offset by the credit that the bank manager at XXXX XXXX Branch in XXXX GA was supposed to make. Upon opening the account I was qualified for a new customer bonus after I used the debit card 8 times within the first month. Well, the branch mailed the debit card to an address that was never mentioned when I opened the account ( which happened to be an old account for my old ESPP account ). The card was bounced back to the bank 's operating center and I requested a replacement, which was also sent to the wrong address. No clue as to why they never mailed to the address specified when I opened the account. Finally, the third time ended up being a charm as I received it but it didn't allow me to use the card the minimum of 8 times within the first month of being open. I went into the branch for assistance and ended up being assisted by the manager over the phone ( as he was on lunch when I went in ). It was determined that he would debit his GL for the {$150.00} as it was bank error but this was never done. If he had credited my account, it never would've went into the negative. Now I have a charged off account and it was reported to XXXX XXXX falsely.
I became aware that Wells Fargo Bank , NA as servicing agent to XXXX Bank XXXX, as Trustee for Adjustable Rate Mortgage Trust XXXX, Adjustable Rate Mortgage Backed Pass Through Certificates, XXXX XXXX with the aide of XXXX Law Group and XXXX XXXX XXXX XXXX XXXX XXXX filed a fraudulent APPOINTMENT OF SUBSTITUTE TRUSTEE with the Recorder of Deeds for Washington DC know as instrument number XXXX. This document has forged signatures for a XXXX XXXX XXXX and forged signature for a notary XXXX XXXX XXXX that also has a fake internet purchased notary stamp. I do not have a contract with these people and I am requesting that the CFPB start to investigate this criminal matter.
Ordered my free credit report from all 3 agencies in early XXXX, XXXX. The two other credit agencies sent the report promptly, Equifax never provided the credit report
After reviewing my credit report ongoing .. There 's a collection  XXXX   XXXX   XXXX   XXXX .. A Balance of {$5000.00} ... Opening date  XXXX   XXXX , 2016.. That 's continuing to appear on my credit Report ... It was once remove due to Fraud.. And it has now appeared back.. And it 's showing as if the collection is new.. And it 's a severely old account ... Police Reports has been sent in to them and all of the Credit Bureuas to have it remove.. An d all have done  so except Equifax ... I have not lived at this address or apartment complex ... This is Really starting to be a pain.. Because what they are reporting is not accurate and it 's Fraudualant..
We were over 30 days late making a payment on this loan account. The loan company reported this to the credit agencies ( as we would expect them to do. ) However, they have reported that our loan was a mortgage. It is not a mortgage loan, it is a non-secured installment loan for an HVAC unit. We have asked repetitively for the company to change this or give us a written statement that this is not a mortgage loan so we could have it changed, and they refuse. We paid to have this investigated by XXXX XXXX. These are the results we received. " The rescore/investigation for XXXX XXXX is now complete. RS ... XXXX XXXX IN INVESTIGATION XXXX WAS UNABLE TO SPEAK WITH A LIVE REP ' ... XXXX XXXX COMPLETE 'ACCOUNT CURRENTLY DISPLAING AS TYPE XXXX HOME IMPROV. INSTALLMENT LOAN AND NOT MORTGAGE ... XXXX XXXX COMPLETE ... XXXX XXXX ORDERED ( XXXX ) What this means is they were able to receive an update with the correct information from XXXX ( XXXX ) & XXXX ( XXXX ). They were not able to speak with someone from XXXX and have therefore opened an investigation that should be done within 30 days./The creditor responded to XXXX on XXXX and stated account currently displaying as type XXXX home improvement installment loan and the creditor responded to XXXX on XXXX stating account currently reporting correctly as a mortgage.
I am having an issue with XXXX XXXX XXXX Improperly reporting late payments for a collection they agreed to terms of partial payments in the amount of {$10.00} on top of our monthly usage bill to service continuing. I feel as i was improperly informed that they would keep reporting every month that the account was 180 days late. Myself and XXXX XXXX cames to terms of agreement that I could pay the past due balance as partial payment thinking my credit would not be affected by this and I could continue services with the company. At the time of agreement XXXX XXXX did not disclose any credit reporting in this matter they simply exclaimed i could not recieve services unless I paid the balance in full or paid in partial payments. I noticed they reported 180 days late for 46 consecutive months. I have never been 30 days late or more on this agreement or my monthly bill. Since I have paid the balance completely off in full on XXXX XXXX 2015. My account is active and still in good standings. My wife and I have contacted XXXX XXXX on several occasions and all they tell me is this is part of my history for the account. My problem is I do not feel these late remarks should not be on my credit report due to the fact I have paid our agreement and my bill on time all of those 46 months. I also feel as if I was decieved by them not fully disclosing any information on them even reporting to the credit bureaus. I feel as if this is an unfair business practice. I have talked to them on several occasions and they do not wish to work toward a resolution. They keep giving me different information everytime and transerring me to different represenatives with no solution for the matter. I 've also tried to get a letter of full debt payoff or paid in full letter and they also exclaimed they do not do that. But the main issue is unfairly reporting 180 days late for 46 consecutive months and it has devastated my credit report. I have decided to come here with this matter to see if we can get a resolution. Thank you for your help.
The account below was deleted and readded a year later. The account was used for fraud. I have added the fraud form given to me by bank. 

XXXX XXXX XXXX + {$4100.00}
Conserve claimed that I authorized repeated payments, and they continued to take monthly payments out of my account, they also lied about previous payments.
acct included under XXXX bakruptcy and was closed on XXXX/XXXX/09 and still showing under my XXXX credits bureaus.
BBVA Compass is not following FHA 2016 guidelines, therefore consumers are being cheated and priced out of the home buying market due to its miscalculation of federal student loan monthly payments. It is calculating Income Based Repayment ( IBR ) the same as deferred student loans and states even if there is a $ XXXX monthly payment on the statement and on the credit report, this 2 % rule applies. BBVA Compass is determining monthly payments by calculating 2 % of the student loan balance. This is very unfair to consumers and goes against FHA guidelines. When confronted with this shocking revelation, I asked to speak with a supervisor and was transferred to a supervisor in XXXX, TX. He was very combative and argumentative, insisting that FHA guidelines states 2 % of the student loan balance should be used when determining monthly payments for IBR even if both the statement and credit report state a $ XXXX monthly payment.
EQUIFAX continues to re-insert an account with XXXX they have previously deleted. I NEVER paid this account late nor was it ever a repossession from ME as EQUIFAX erroneously reports in my most recent file with them. Any and all issues with this account belong to my former spouse and date back to 2007.
I received a " demand '' letter on my 2nd mortgage with Third Federal, giving me 35 days to pay them {$50000.00}. This mortgage had been " written off '' supposedly as I was a casualty of the Great Recession having lost my full-time job in 2009. I was unable to send them the {$50.00} per month payment for the last several years as I was also carring for my adult son who is on social security XXXX. This letter came out of the blue as the first mortgage is current. I recently got a full-time job which is a miracle as I am XXXX years old and receive social security. I certainly can not pay the balance off. Third Federal refuses to return my calls. I make too much to qualify for help from Legal Aid but am unable to afford an attorney.
The lending bank charged me higher interest than agreed upon.

My loan was for XXXX at 4.74 % interest rate. loan was originated in XX/XX/XXXX and paid off the loan by XX/XX/XXXX.

They charged my {$1300.00} as interest. But according to the loan calculators it should be less than {$900.00}.

If we look at the attached loan amortization schedule that they sent me, the interest charged keeps increasing in certain months although I have been paying down the principal.
Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX Date XXXX/XXXX/XXXX Dear Experian Re : Inquires According to the Fair Credit Reporting act ( FCRA ) it is your responsibility to make sure a creditor provides a clear reason along with permission before releasing a credit report of a consumer. 

I request you to show me these companies below met the proper requirements of the FRCA on the dates listed by providing me the hard inquiry. 
XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX If you are not able to do so, please remove this inquiry immediately. I am providing my social security number ( XXXX ) to assist you in making this transaction a little easier and faster. 
Thank you for your time, XXXX XXXX XXXX XXXX