WillisBack/dataset-financial-user-claim huggingface dataset:
This is follow up to a case already filed with the CFPB, that number is : XXXX. The response received from Caliber was inaccurate, as well yesterday they reported to XXXX that my mortgage is 30 days late. Attached is verification of the report and the lines below are the inaccurate statements in the response, both of which fall under the heading Requested Clarification : 1. It should be noted that it was an error on Caliber 's side that my account was taken off automatic recurring drafts for my loan and that specific statement would be reported to the credit bureau. 2. There was no attempt by Caliber to contact me on XX/XX/XXXX or XXXX as stated, this is simply a false statement.
On XX/XX/18 I received a notice from XXXX app that my Equaifax score droped from XXXX to XXXX. The allege cause for this drop was due to a high balance in my XXXX credit card account. According to the contract terms I have with XXXX service ; my due date is the XXXX of every month and they report to the CRA the XXXX of every month. On the XX/XX/2018 my account balance was XXXX. XXXX representative refuse to give me a copy of the requisition allegedly sent of XXXX nevertheless, Equaifax representatives told me it was not sent until XX/XX/2018 ( at the time balance had changed due to my usage ). My FCRA rights were violated by XXXX causing an adverse affect on my credit score.
I had an account show up on my credit report at XXXX XXXX it stated it was a XXXX account opened in XX/XX/XXXX. The account they are referring to is an account from XX/XX/XXXX that was handled and resolved in my divorce. The equipment was returned to XXXX and my ex-spouse took care of the remaining. I have not lived in Georgia since XX/XX/XXXX and have never been contacted about this account since. Now all of a sudden it is showing up on my credit report as a recent account. I tried to contact XXXX and XXXX XXXX on XX/XX/XXXX and just get transferred from one department to another. XXXX states I have to speak to XXXX XXXX and XXXX XXXX states I can just write a letter. They are reporting this account incorrectly and refusing to hear anything about it.
I get constant calls from ERC ( XXXX ). We owe no debt aside from home mortgage ( which is paid on time ). ERC calls are on a daily or weekly basis.
Citibank has taken money from my savings account on various occasions without my authoriation. XXXX, XXXX and XXXX. Specific instructions were give for the XXXX and not followed. XXXX and XXXX were never authorized by me to be taken for a bill pay which i have always paid on my way to citibank. The XXXX was specifically instructed to the representative of citibank to be transferred to a new account i opened with a didferent bank. She decided to transfer it to my checking account at citibank because it was overdrawn by citibank themselves by processing a payment from an account that had no money in it. Citibank has also taken XXXX from my savings to even out an overdraw from a fraud situation. No authorization was given to citibank for these transactions to occur.
I opened a Citigold checking account with promotional code XXXX XXXX. I confirmed with a Citigold rep before opening the account that I was eligible for this offer. Just after opening this account, I confirmed again, and the rep confirmed that I was still eligible for this offer. I was supposed to receive my points by end of XXXX. I opened an investigation with Citi via chat and they said they would launch an investigation into the matter and let me know by XXXX/XXXX/2016. After that when I keep contacting them, they claim that the investigation will take a few days longer. The account has a monthly fee of {$30.00} which I have already gotten charged for ( and will get charged for again ), so I preferably want the miles ASAP.
I cosigned a loan which was later settled. After settlement, the originator ( Access Group ) improperly put the account into collection multiple times. Collectors contacted my family members regarding the account. The collection account was put on my credit report. 
XXXX other Access Group accounts associated with the same student, which I did not cosign, were also improperly put into collection in my name and put on my credit report. 
I have been able to get the accounts removed from my credit report after informing the collection agencies, but these accounts should never have been put in collection or on my credit report in the first place.
I spoke to Chase Credit Card and asked them to remove the late fees because I paid all my credit cards automatically. I spoke to them about the late fee which they mentioned was in error and they took it off, but now they are just leaving the lateness on my credit report which is wrong. 

I called them and informed of the situation, which no body is ready to resolve it.
Synchrony Bank has corresponded with me through mail that my XXXX account is a result of id theft. Yet it is still on my credit report and they are continuously sending me small refund checks for this XXXX account. I want this debt removed from all of my credit reports immediately
I went in for procedures to be done and they were not. I had prepaid and the money was to be refunded to Chase. I NEVER made a payment on this account and the money was never refunded even after several calls and visits to get it done. I opened this account in XX/XX/XXXX. This is over 9 years and the insist on leaving this on my credit. I have contacted the credit bureaus and they wont take it off. Chase says I made one pmt around XX/XX/XXXX I think it was. Why would I make one payment? This was clearly another mistake they made by posting someones else 's pmt to my account. They also dont have any proof of this pmt. I want this off of my credit report for good. My credit limit was XXXX XXXX and the card was ran for XXXX XXXX.
I called Chase to get this straightened out and they were playing games for an hour transferring me from phone to phone. I finally hung up.
FMS ( XXXX, NC ) appears to be trying to pull a bait and switch scam regarding rehabilitation of my student loans. In XXXX 2016, I called FMS to negotiate a repayment/rehabilitaiton plan. After several hours on the phone, including a transfer to a supervisor, I was given a monthly payment amount I felt I could afford and agreed to direct debit from my checking account. I was told I would be receiving forms I would need to fill out and return and was given a list of other documents I needed to submit. Although I made several phone calls and left several voicemails to follow up, I never received the forms to complete. I nonetheless submitted the documents as requested. The monthly payments have continued to be debited from my checking account ; however, in the last week, I have begun receiving letters informing me that documents -- including the forms I never received -- are missing and that the rehabilitation agreement will be cancelled. 

This is clearly a bait and switch tactic, in which FMS lured me into an agreement, took money from me for several months and now is trying to cancel the deal and/or change the terms. 

I am appalled that a government agency like the Department of Education would do business with such shady debt collectors, and I am beginning to feel hopeless that I will ever be able to resolve my student loan default. If this approach is considered acceptable by reputable government agencies, then I might as well plan on staying in default until I die.
Earlier this year we received a response from XXXX XXXX XXXX concerning the length of time the company reported a negative item on our credit reports. XXXX XXXX XXXX confirmed that the negative item ( late payment ) first appeared on our credit reports in XX/XX/2011.

According to Section 605 - 15 U.S.C. 1681 c ( a ) ( 1 ), ( 4 ), ( 5 ) and ( c ) ( 1 ) ( Fair Credit Reporting Act '' ) an adverse item shall not remain on a report for more than 7 years beginning on the date it was first reported.

We are now past the 7 year period and XXXX XXXX XXXX   continues to report the negative item on our credit reports.
I paid my payment online on XX/XX/XXXX of XXXX .. the funds were taken out of my account on XX/XX/XXXX because of the holiday.. My payment on the online account shows in suspense when I called  Ditech to question it they state that it takes 5 days to be applied a glitch is in the system. In there interim i also notice that my escrow had an overage of XXXX dollars a check was mailed but they are trying to hold more escrow then needed if they apply this payment. I think they have my money in XXXX on the website to hold back giving me the full overage of escrow and carry it over into the new year. Online it looks as if I am 26 days late when they already have my payment and no one seems to be able to explain this to me. I paid the late fee and the mortgage with the escrow included. please investigate this for me.
I am a victim of identity theft. While living overseas my passport was stolen and several accounts were opened in my name. I disputed this information directly with the bank and credit reporting agency and my name is still associated with these fraudulent accounts. I was told by the bank to call the bank and report the account as fraudulent and that I would receive an identity theft packet in the mail/email. This was about six months ago and I never heard anything after I called. XXXX is still reporting an account from Bank of America which was not opened or used by me.
This date, XX/X/2017, I applied for a benefit offered by Nelnet. The benefit states I qualify for a 1 % reduction in interest as I have made 24* payments on time. I contacted Nelnet representative who denied the terms stipulated by NelNet. I am submitting comprehensive r3ecords kept by Nelnet and a copy of their policy for this issue.
Today, at XXXX, XXXX from XXXX XXXX XXXX XXXX of XXXX GA , called. I was unable to answer. She then called a third party and involved them in her collections attempt. 
XXXX called Lendmark financial and asked an employee named XXXX to call me regarding the $ XXXX XXXX XXXX XXXX claims is owed to them on purchase of my motorcycle from several months ago. XXXX then called me ( as a third party person ) at XXXX today, to discuss my obligation and responsibility to contact XXXX XXXX XXXX and pay off this debt. 

My account at Lendmark Finance is current, all payments have been on time or early. I dont have another payment due until XXXX XXXX with Lendmark. So a representative of Lendmark had no reason to call, most especially on behalf of another business. XXXX shared details of a debt with a third party and asked them to make a collection call on her behalf, and on behalf of XXXX XXXX XXXX XXXX. I feel both parties violated rules and regulations and would like to have this matter investigated.
Someone opened a XXXX account under my name and now I have this negative account on my credit report. Disputed with the collections department but kept getting " verified ''. So frustrated because I tried to get this matter corrected but I am getting nowhere with the credit bureaus XXXX, Transunion and XXXX. I feel like giving up.
I file this complaint today on Innovative Recovery Inc. On  behalf of XXXX XXXX XXXX. I have been denied for certain promotional move in prices on apartments due to a balance being reported that was paid prior to being sent to collections. Despite my efforts to get this removed the collection has remained leaving a negative impact on my credit score that could never completely be repaired.
My name is Ms XXXX and my brother mistakenly paid his credit card bill with my checking acct. The acct was only on his because i helped him make a 1 time payment 2 months prior. The date was XX/XX/XXXX he made a paymemt online for XXXX from my XXXX XXXX XXXX and he meant to use his XXXX XXXX   information. We called on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. They said it will be in my account on XX/XX/XXXX. I called back on XX/XX/XXXX and they said I have to wait for another approval. I contacted my bank today and I would've done this sooner, I was told to let the company help first and they lied and cheated me. I want a full refund for products I don't own and never received.
My complaint is against a company known as " XXXX XXXX XXXX XXXX XXXX ''. This company is attempting to collect on a debt that has already been paid. When I called to get the information on the account they were extremely rude and misleading. First and foremost, the company did not provide validation of the debt even after I called them on and emailed them on XXXX/XXXX/XXXX. I sent them a receipt for the debt that was paid and when I paid it with XXXX XXXX. Secondly, I called XXXX XXXX XXXX XXXX XXXX XXXX and had them confirm there was absolutely no other debt owed, or sent to collections. XXXX XXXX XXXX XXXX XXXX XXXX mailed me a document with all the account number showing everything has been paid and resolved. I am filing this complain because this needs to be removed from my credit as it is effecting me negatively. Especially in which the way they are reporting the trade line. This medical claim was back from XXXX/XXXX/XXXX, they have it reported as being opened on XXXX. Needless to say, this should be removed as I do not owe anything to this company.
Credit reporting agency has a collection on my account. There is no listing of an amount owed or the name of Original creditor.
On XX/XX/XXXX, I sent in a request to the credit bureaus to investigate errors on my credit report. Over 30 day have passed, and I have yet to hear back from them.
I have XXXX hard inquiries on my transunion credit report that either are not mine or I did not authorize. They are for XXXX XXXX and XXXX. They are affecting my credit negatively are need to be removed. They were not done by me and the issue needs to resolved immediately before I am forced to take further actions.
System and Services Technologies ( SST ) a company of NCO has violated again Fair Collection Practices Act and refuses to provide me with the information I have been requesting from them and acknowledging my dispute of charges. They have already been fined by the FTC and states for such practices.
Since opening my account with CitiBank N.A. I have had nothing but issues, First, I was told I could Not have a debit card because the account was too new, but instead could have an ATM card to access cash when I needed it. 3 days later I got a debit card ... Now this morning XX/XX/XXXX I log into my online account to check my direct deposit and current balance, and Im XXXX short compared to what I should have in my account. When I called Citi Priority to ask what is going on, I was told I was overdrawn. I went to sleep last night with a positive balance, and managed to spend money while I was asleep ... asked for a supervisor who said that in " Overnight processing our system gets a little crazy and that is not your accurate balance '' I work for a bank ... ..And I have never EVER heard a representative openly tell a customer this.
I was alerted by my bank last year that this company put a collection on my credit report. I contcted the business they were collecting for, XXXX XXXX, and I was told that XX/XX/XXXX could not do anything to erase this report even though they had the wrong person ( me! ) I finally received a notice about 4 months ago and got a phone number. I called and talked to a " supervisor ''. I explained that they have me confused with my son. After checking social security numbers on the account, they confirmed it was not me. This liar of a lady assured me she was going to contact the credit bureaus and send me a confirmation letter stating that this was not me and it should be erased from my reports. 

I never received a letter, nor was it removed from my credit reports. 

I contacted them this past Monday, XXXX XXXX, 2016. I talked to this oh so pleasant lady. Once we confirmed that my Social Security number was no where in the system and I had nothing to do with the account of my sons, she told me it was not their problem to call the credit bureaus and have it removed. It was my problem. She proceeded to tell me I was a no good parent for not teaching my son to put XXXX at the end of his name and then she hung up on me when I got loud with her. 

This piece of horse dung company thinks they can bully people. 

Not me!!!
I have had issues with XXXX for several years. They were mandated to remove payment histories from my bankruptcy XXXX from XXXX/XXXX/XXXX back to XXXX and still state they dropped the ball and these have n't been removed from my credit report. Only XXXX acct. They refuse to remove the XXXX student lian that was discharged.
I have a Bay Are receivable collection with amount of {$290.00}. I have no idea how I obtained the debt, I believe that someone mistakenly has the wrong person.
I have been receiving student aid to attend classes full time since the XXXX of 2012. There is an old XXXX loan that showed up on my account and has been included in the total of outstanding loans. A law firm has taken the loan and put it into default status which has put a hold on my student aid for this Fall semester. I am on the XXXX XXXX XXXX at XXXX XXXX University with a XXXX GPA. I have XXXX classes remaining to graduate. If I do n't get my student aid, I can not take my classes which I 'm registered for and ultimately wo n't be able to graduate. There is currently grant money sitting on my student financial aid which can not be released because of this. I 've contacted the original loan servicer which is XXXX XXXX University, they told me to contact the Ohio Attorney General 's office and they directed me to the law firm. The law firm is Law Offices of Robert A. Schuerger Co. , LPA, at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio XXXX. XXXX. They told me there was nothing they could do and that I had to repay the entire loan plus extra fees and interest. The total amount is impossible to pay and I explained that I 've been enrolled in school full time for 5 years. In addition to that, the loan shows up on my list of loans two times with one showing default and the other as deferred. This also increases the total of my outstanding debt. If this is n't resolved so I can graduate, I 'll have wasted 5 years and gone into deep debt with no hope of getting a better paying job which would also enable me to pay off all of my student loans.
During the first week of XX/XX/XXXX, my wife received a phone call from Transworld Systems Inc ( TSI ) stating they were collecting a debt of approximately {$17000.00} from me in connection to an XXXX XXXX XXXX  accident that occurred on XX/XX/XXXX. She explained that I am in the US XXXX and was XXXX overseas from XX/XX/XXXX through XX/XX/XXXX and did not rent a car from XXXX during that timeframe. On XX/XX/XXXX, I received a letter from Transworld System Inc which included paperwork from XXXX XXXX XXXX XXXX detailing the original renter 's information. The driver associated with this account is simply NOT ME! His last name is my first name and his middle name is my last name but that's where the similarities stop. His address listed on the paperwork they sent me is an address I've never lived at in a city I've never been to. A cursory credit report check shows I've never lived at that address. A DMV records search that my drivers license number is not the same as that of the person who rented this car. In fact, a 2-minute XXXX search gave me a pretty good idea of where the actual person they're looking for is. I explained this over the phone but I'm still receiving letters for a debt incurred by someone else. TSI is being irresponsible and unprofessional, even negligent, by finding someone with a similar name and focusing attention on the WRONG PERSON. I shouldn't have to prove that was overseas serving my country at the time they say i was wrecking a rental car. 
Phones calls made to TSI simply led to endless transfers and automated responses. I attempted to complain via their website in accordance with the directions outlined in the cover page of the letter they sent me ( attached ) but the website requires a registration code provided by TSI to log on. No such code was provided.

In short, TSI has incorrectly identified me as the person who owes XXXX XXXX XXXX {$17000.00} and now I am unable to contact them that settle dispute.
On XX/XX/XXXX my wife, XXXX XXXX, and I, XXXX XXXX XXXX, applied for an auto loan and were approved by GM Financial. The term of the loan is seventy-two ( 72 ) months at 0.00 % APR with a first payment due date of XX/XX/XXXX. 

The tradeline was first reported on XX/XX/XXXX which reflected an original loan balance of {$55000.00}, the term, a monthly payment amount, and a current and joint responsibility account status. 

As of today 's date, XX/XX/XXXX, my credit report indicates that GM Financial has not provided a payment history or current account status ( please see attached ). We note here in passing that we have successfully made two ( 2 ) payments each in the amount of {$770.00} on XX/XX/XXXX ( which was scheduled on XX/XX/XXXX ) and on XX/XX/XXXX ( which was scheduled that same day ) ( please see attached ). Notwithstanding our timely payments, GM Financial has failed to report our current account and payment history status to the major credit reporting bureaus since their initial tradeline report on XX/XX/XXXX. 

In an effort to resolve this issue, I called GM Financial 's customer service department onXX/XX/XXXX, waited for almost fifteen ( 15 ) minutes to speak with a representative, and was advised that they do not show any derogatory information reported on our account and that they typically report every thirty ( 30 ) days. The proposed resolution was that the representative would contact their credit report team and have someone call us back as soon as possible. When I requested the information that was last reported to the credit reporting agencies, the representative was unable to offer any information other than no derogatory information has been reported. When I requested to speak with the credit report team, I was advised that they do not accept customer calls and only accept internal emails from representatives of GM Financial.
I submitted an identical complaint against Chase in XXXX 2015 for unauthorized interest charges and after your involvment they resolved it. The Case number was : XXXX. However, Chase has done the same unlawful act of charging interest after receving payment. 

I had a {$5400.00} statement balance, which was due on XXXX XXXX on XXXX XXXX I had made payments totaling {$5100.00}. I was blocked from making the final {$310.00} payment by a 24 hour payment lock and I am willing to pay interest on that, but not on a {$5000.00} balance that was paid. 

I reached out to Chase to resolve the issue without CFPB 's involvement, but my request denied without any explanation. 

I am an XXXX # XXXX and now that they have done this a second time I am considering filing a unlawful business practices lawsuit under Business & Professions Code XXXX et seq. 

I also think Chase is engaging in this kind of behavior routinely of false interest charges and needs to be kept on a tighter leash. All documentation showing the payments were made is attached. The total interest charged was {$61.00} based on the {$5000.00} balance, which was paid. There was a {$310.00} balance on my statement and I was willing to pay the approximately {$5.00} on that, but now that Chase has made me to go to CFPB again for bogus charges I would like to pay no interest. 

More importantly other consumers need to be protected from these type of unlawful charges.