WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I received a credit alert stating that a company by the name of XXXX XXXX XXXX added a collection to my XXXX, XXXX and XXXX alleging I owe them {$2400.00}. To date XX/XX/XXXX this company has not notified me of this alleged debt and by not notifying me they have denied my legal right to dispute any debt within 30 days of notification from a debt collection agency - pursuant to 15 USC 1681 et al. This debt has been disputed with the credit report agencies and all they are doing is stating it has been verified, but yet this company has not provided me with ANY type of documentation or communication. This debt is to be removed from all three credit bureaus immediately and proper procedure and protocol followed. I have no reservations in litigating this ridiculous practice performed by XXXX XXXX XXXX in a court of law where I will seek punitive and statuary damages to the fullest extend of the law.
XXXX services I had never apply for their service and I got a credit inquire from them on XX/XX/2018. I had call them at XXXX and they could not location an account with my social security number, so they advised me to dispute with consumer financial gov. 
As well two other inquiries from synch on XX/XX/2018 they number is XXXX. XXXX on XX/XX/2018 did an inquiry without my consent.
Due to much needed repairs on the home, I fell behind on the mortgage. I began a repayment plan in XX/XX/XXXXand successfully made the first payment. When I attempted to make a second payment ( which would have bought the loan current ) I was told that since there was paperwork I did n't return, they cancelled the repayment plan. I tried another repayment plan, but was told that the repayment plan was rejected ( even though I had the amount for the down payment in the bank ). I was never given a reason for the rejection of the plan. I filed paperwork for a loan modification at the end of XX/XX/XXXX. It is now XX/XX/XXXX, and every time I contact the company, I am told I am either missing documentation, have incorrect documentation or there is something wrong with the documents I have given them.
I have no ideal who this is and why are they causing harm to me. It says it is XXXX XXXX XXXX.
Equifax is reporting an account on my credit report that is not mine. On XX/XX/XXXX I received a letter from XXXX XXXX for {$3200.00}. Shocked, I immediately responded to the letter asking for validation of the of the debt because I 've had no dealings with the company nor the company they represent. The company did not reply but put the account on my credit report. I sent another letter and was ignored again. On XX/XX/XXXX I sent a letter to Equifax in good faith asking them to validate this debt with XXXX  XXXX. They responded with a letter saying the account had been verified. I assumed they misunderstood my request so on XX/XX/XXXX I sent another letter asking for validation again. I received a response on XX/XX/XXXX from Equifax saying the account was verified. By who? Where is the proof of the validation that I requested? Per regulations I have a right to see what information a creditor is providing to put a negative item on my credit report. On XX/XX/XXXX I contacted the BBB and XXXX XXXX did not respond. I received the email from the BBB yesterday ( letter attached ). This company is not responding to the BBB or to me, yet somehow Equifax has received verification ( still not what I requested ). This company is not responding because they can not proof this debt is mine. Equifax is refusing to remove a debt that can not be validated. Not only did XXXX XXXX ignore my request, but so did Equifax. This is a violation of my rights and needs to be removed from my account. The amount of {$3200.00} is not a small amount that Equifax can ignore the company providing proof of the debt. Where is the signed contract or anything for that matter? Due to lack of proof XXXX and XXXX quickly removed the debt at my first query. I feel Equifax is being negligent in pursuant to the FCRA and allowing abusive practices by XXXX XXXX. I have worked hard to maintain a good credit file and after serving my country for 16 years, I find this is disturbing. I ask the help of the CFPB to assist in stopping Equifax from victimizing me. XXXX XXXX # XXXX for the amount of {$3200.00} needs to be removed from my credit.
On Friday XX/XX/XXXX I called Bayview Loan Servicing to make a payment. There was money in a suspense account. The original payment amount is {$580.00}. In the suspense account there was {$290.00}. Bayview told me I could make {$280.00} which is the difference between the original payment amount and the suspense fund. Twice on Saturday I received a call from Bayview wanting payment and my ex husband said they called him 3 times. On Sunday I received a phone call and so did my ex husband. This has got to stop and I will call them on Monday and complain.
1. My escrow analysis for the property taxes is going up {$410.00} 2. My taxes paid to Town of XXXX for XX/XX/2018 Property tax were {$9600.00}. That is not true the taxes paid to the town of XXXX are wrong as the town of XXXX received {$9500.00} that is a difference of XXXX. see attached tax receipt from Town of XXXX XXXX 
3. I am in dispute of your escrow analysis statement that show a shortage and an increase in the monthly payments.

4. I respectfully demand you do a verified analysis as the property taxes are lower going forward.

5. I would also like to know going backward how may other times you overpaid or over charged the property taxes on this account. 
Also every month extra money is paid to the account and I believe it is no credited properly
I'm in a repayment plan that accrues interst daily of XXXX dollars that never brings down my principal balance. I make XXXX dollars payments monthly but the loan provider applies like XXXX dollars towards the interest and XXXX dollars towards the principal. But then with the accrued interest of XXXX dollars a day brings the principal right back up. I made XXXX dollars in payments in the last year and Navient has taken XXXX dollars in interest already. I'm in a 10 year repayment plan the original balance was XXXX and after a year of payments on time it's just at XXXX If I keep up with payment plan I would end up paying back triple of what I borrowed. I called Navient to discuss what other repayment options I have. They said I can't make any changes that's the repayment plan I chose. I tried to explain that the school that I took the loan out for didn't tell me that my repayment will require me to pay back triple the amount. I feel that I was deceived by both the school and the loan provider.
I wrote to XXXX XXXX XXXX and advised them that the collection account they took over was a fraudulent account and that it was already given to two other collections agencies within the last 6 months. There were two previous complaints filed with CFPB concerning this same debt, XXXX XXXX had this account and closed it out XX/XX/2018 complaint number XXXX, XXXX XXXX also got this account shortly after and once given the FTC report closed it out on XX/XX/2011. After XXXX closed out the account Convergent picked it up. XXXX sent me a letter stating that the account was valid because it had a bill attached, a bill does not mean that the account is mine. This was an account that was fraudulently opened in my name. This bill is not mine regardless of who XXXX sells this account to. I am not going to be responsible for an account that had no knowledge of.
The collection agency namely XXXX keeps reporting information on my report that does not belong to me. They were unable to verify this debt belonged to me back in XXXX of 2015 and all XXXX trades were deleted well low and behold they are back at it again and the credit reporting agencies are allowing them to report this trade again even though it was deleted the last time because they could not verify any of the information pertained to me. Im sick and tired of doing this every 4 months I want these trades deleted from my reports at once and to never ever to return and I want this collection agency to be held accountable for falsely reporting information that does not belong in peoples reports. These entries have destroyed my credit score to say the least and they need to pay for this. I have disputed this again with all XXXX credit reporting agencies. It is your job to warn them them that these trades must never ever appear in my report again. Im not going to wait 30 days for another investigation I want these deleted like 5 minuted ago meaning now not 30 days from now but right now, Im tired of these collection agencies just doing whatever they please and have to not answer to anyone. I can not give you the full account numbers for the trades as the credit reporting agencies do not provide the entire account numbers for them. To put it plainly anything that says debt recovery solutions needs to be deleted
My employment history and other personal information was reported to someone else 's name and credit bureau report. Trans Union agency and possibly others have reported my personal employment record and other information to one : XXXX XXXX XXXX and possibly other people. 

This comprimises my identity, privacy, etc.
XXXX XXXX got a copy of my credit report without permission. I contacted them to inform them they had done this on two separate occasions. They stated they would investigate yet when I got their response letter which I have attached all they did was provide me an unauthorized copy of credit report which they purchased through Experian. They have NEVER investigated this and each time I have contacted the credit bureaus they have failed to investigate this matter.
LVNV FUNDING LLC 
(XXXX XXXX)
$XXXX

This is not my credit card. This is fraudulent and would like this removed immediatelyld l
Frauding my immazation record of XXXX Indiana of XXXX XXXXXXXX others frauded as business permits and products and flood and semi truck rest stops and gas cards frauding XXXX XXXX XXXX of XXXX Indiana of my documents
this problem began in XX/XX/XXXX, my wife took out a mortgage with XXXX XXXX XXXX  with an interest rate of 10.5 percent and ceiling of 17.5 percent and they quickly sold the mortgage to XXXX XXXX and that is when the problem began. I hired an attorney from XXXX XXXX, XXXX XXXX, and when it came to going to court XXXX XXXX sold the loan the day before the court date to XXXX. to make a long story short the day before XXXX was to show up for court they sold the loan to XXXX XXXX XXXX. and it started all over again and XXXX XXXX XXXX sold the loan to Select Portfolio Service ( SPS ) the day before the court date. SPS has had the loan over 2 years and in trying to modify the loan to get the interest rate in line I have never talked to the same person twice. we filled out all the papers for the modification and before they could get back to us certain parts were outdated and had to be redone. Eventually they accepted the modification after two years of fighting to get it done but we have yet to receive anything in writing pertaining to the modification and have not done anything in a timely manner and the people we spoke to at SPS ( who was never the same person ) never noted the file and we had to repeat everything again. they say they have everything needed for the modification and a decision will be made in 30 days. We hired XXXX XXXX XXXX XXXX out of California who stated they looked at the files and feel it is predatory lending and forclosure fraud by all of these companies. they doubt if any of these companies ever recorded the change in going from one bank to the next.We have been in this house since XX/XX/XXXX
first direct lending offers a free appraisal cost if i consider refinancing with them. I submitted all they needed from me, lock in the rates, and told me my loan will be closed before the end of the month. 
Said they will cover the appraisal but needs my credit card to hold a 50 % cost of it. 
I agreed to give them my Credit card.it took more than a week for them to update me after the appraiser went to my place. 
I havent got a word from any of them after the appraiser, only an email of " adverse notice '' they did not approve me of the loan but has charge {$220.00} on my Credit card. They know this is a refi to help me pay off my credit cards. XXXX XXXX XXXX has put me more indebt than i am now. XXXX XXXX is very deceptive with their business, applies false advertisement and preys on soft target clients like myself. 
i could have saved time and money if not for their sweet talk.
I am submitting this complaint about transunion credit reporting agency. I have been disputing an account that was previously removed off my credit report. ( XXXX XXXX XXXX ). Today I checked my credit score on XXXX XXXX  and noticed a 100 point drop I looked into this and noticed that they re-inserted this account that was previously removed. I attempted several times to reach them and dispute this information again and ask to remove it like it was before and it should have never been re-inserted onto my credit report. It was confirmed that this loan was a combined loan that was PAID off in full. I can't reach transunion as they keep telling me my credit file is in another department. ( Fraud Victim Dept ). As I had in the past fraud done with my name. I was transferred and was on hold for a long time. I am very fustrated that they put this account back on my credit report which caused my score to drop.
I received mail today from Chase regarding my XXXX Rapid Rewards Premiere VISA Signature credit card. Enclosed was a replacement card ( for Chip & Signature use ) along with printed materials about the card. Nowhere in the printed materials did it disclose the {$99.00} annual fee associated with this card. These do invite the customer to consult XXXX for more information -- but no where on those online materials is the amount of the annual fee mentioned, not even in the " Terms and conditions '' pop-up window at XXXX. I had to call the XXXX number, wade through a voice menu, and speak to a customer service agent in order to be reminded that this card carries a {$99.00} fee. When I asked to be downgraded to a version of this card without an annual fee, I was told there was n't any. The only way to avoid the {$99.00} fee ( to be charged next on XXXX/XXXX/2015 ) was for me to close the account -- which I did, despite the negative impact on my credit score this entailed. 

In short : Chase is hiding the annual fees these cards carry from their customers, a dishonest and short-sighted business practice, and requiring customers to degrade their credit scores in order to avoid them.
On XX/XX/XXXX, I received my first notice from XXXX XXXX XXXX to recertify my income for an IBR payment, and it stated that I had until XX/XX/XXXX to recertify or my payment would change to a Standard payment amount of {$2000.00} on XX/XX/XXXX. I recertified on XX/XX/XXXX, and I was approved on XX/XX/XXXX for a payment amount of {$290.00} monthly to start on XX/XX/XXXX. In the process, my next bill for a payment due on XX/XX/XXXX stated that I owed {$2000.00}, significantly higher than the amount I had been paying. 

I contacted XXXX XXXX XXXX on XX/XX/XXXX, and after explaining the situation to an agent, I was advised that they did see the error and would correct it within three days so I could make my XXXX payment and still be eligible for PSLF with that payment as it should not have gone up. By XX/XX/XXXX, it still had not changed, so I called again, and I was informed that it could take 7-10 days, however it should be fixed by XX/XX/XXXX as that would be when I needed to make my payment. On XX/XX/XXXX, it still had not changed, and I called back. I was initially advised that I submitted my recertification late, thus the reason for the change, however I referred the agent to the letter sent on XX/XX/XXXX, and she advised me that I could not make my XXXX payment at this time as she was putting an Administrative Override on that payment since the amount was incorrect in the system. She advised me, however, that it would show up as past due for 30 to 60 days as it would take that long to fix. I am very concerned about this as this may then impact my credit report and show that I am not paying my lender on time given the long time it takes to process, especially when this error was not my fault. I have always recertified on time and made payments on time, so this is very troubling. I am also concerned that I continue to receive different information, and I no longer trust that this may be handled properly. 

Also, for reference, I was with XXXX up until XX/XX/XXXX, and they originally approved a 12 month IBR for XX/XX/XXXX to XX/XX/XXXX. When I recertified with XXXX XXXX XXXX in XX/XX/XXXX, they started my new payment amount immediately ( as of XX/XX/XXXX ), though it should have started on XX/XX/XXXX. It appears that the error started there, and as such, I am now being penalized.
I had a Gm XXXX that was recalled because of an EPA lawsuit. When we turned int the vehicle we were told by XXXX not to make anymore payments and that they would make the payment before the due date since they were paying off the loan. We got notice 30 days later that there was a 30 day late payment put on our credit reports. I 've tried to have it removed with the company and the credit reports but no one has removed it. XXXX refuses to fix their mistake.
regarding citi account : XXXX Since XXXX, I have paid {$6.00} in interest and {$100.00} in fees on a balance that I called and scheduled a transfer for. I thought the account was paid in full, and that I had called and asked for the account to be closed. Citi did not close the account, and they did not make the transfer as requested. however, they did STOP sending monthly statements so I was unaware that they had not completed the transaction. 
I discovered that there was a remaining balance when they called my house on Saturday XXXX XXXX at XXXX XXXX and discussed my credit past due with someone in my household without confirming that they were speaking with me. When I called to pay off the balance in full, they could not calculate a final pay off number, so I have to pay off the remaining balance of interest again next month. Terrible experience.
Experian Report number, XXXX I have asked Experian multiple times to verify their methods of how they verified my accounts and every time they send me a letter that they have verified the accounts. 
I have asked specific questions of whom did they speak with? When did they call and whom supplied the information along with other questions to verify that they are actually verifying these accounts. 
For over 60 days they have not responded to my request to supply the information. Now I am no longer confident that Experian is legally verifying my accounts.
I wrote National Credit System in XXXX disputing this and demanding legal validation. They ignored my request and are still reporting it to the credit bureaus.
I just want to say that I was unable to access all three of my reports due to technical difficulties and not being clear on how to navigate back to annual credit report.com to view the other reports. This needs to be fixed and repaired. Now my only option if I want to see the other two credit reports is to pay for them? How is this a government safety net that I get free credit report if I dont understand how to navigate back to be able to see them all? Guess I have to pay for them now? NOT FAIR!  Terrible terrible & awful website navigation icons/directions. 

So what do I do now? Im buying a house and I need to be able to look at all three of my credit reports and now I am unable to because they say Ive already gotten it for the year. However as I explained above I was unable to navigate back and look at the other two reports. Also Equifax said that they were unable to provide my credit report online that I would have to mail away for it.So how  my supposed to repair my credit or check it if Im unable to see it? I have to qualify for a loan in 30 days I cant wait for Equifax to mail me a report, if they get around to it, and I dont want to have to pay for it because I am entitled to a free credit report from all three bureaus which I did not receive. I received one from XXXX. I need my credit reports. please get back to me XXXX or email me at XXXX thank you
I opened the American Express XXXX credit card in XX/2017. According to the time limited offer, the American Express should provide XXXX XXXX points after I spend XXXX in first 3 months and additional XXXX XXXX points after I spend extra XXXX points in first 6 months. After I spend 6000+ dollars in first 6 months, they only provided XXXX XXXX points and said that I only get the XXXX offer. Since they advertised the XXXX offer on their web page, email as well as the credit card application page, and they did n't have any special requirements for this offer, they should provide everyone who applied for the credit card before the deadline. They should never say that people got different offers. If they did n't mention that people may not get the XXXX offer in their application process, they made the fraud advertisement. I urge the American Express to provide XXXX XXXX  points to everyone who applied for that credit card before the deadline.
I have had this account since XXXX. The loan was for XXXX. Today, XXXX, I still have a debt of over XXXX. I have been on the phone with the debt collectors countless times. I have provided my " financials '' at least three times with no change to my interest rate. When I ask for a decrease in interest rate or close my account, they offer to send me a packet of paperwork that I would be responsible to fill, provide necessary documents, etc. This paperwork requires a considerable amount of time and energy and is not guaranteed to yield any benefit. I have not been able to rise to the challenge of filling out these forms myself. 

My interest rate is XXXX %. My monthly finance charge is XXXX, plus late fee of XXXX. I am paying over XXXX a month and that does not make any dent in my overall balance. It is costing me money just to have a loan! I called today and spoke with a representative who informed me that since XX/XX/XXXX, I have accrued XXXX in interest. This, on an account I already have been struggling to pay for many, many years. I am afraid I am going to be stuck with this loan forever and I do not see any way out of the loan.
For some reason my mortgage company XXXX is not reporting my mortgage payments to the credit bureaus. I called to ask why they nonchalantly stated that they will fix it in approximately 30 to 60  days. I feel that this is unacceptable and there is no one that can help me resolve this issue at the company. I need them to report all 9 months that they have failed to report immediately. I realized that they only reported XX/XX/XXXX the next payment that was reported after that was XX/XX/XXXX.
Today, I received U. S. Mail an XXXX credit disclosure, Confirmation # XXXX ; in which Capital One Bank under the context of being a " creditor '' XXXX XXXX 2016, has now circumvented the three Opt-out letters I wrote. I wrote all XXXX major credit reporting agencies - including XXXX U. S. Mail - as per the bottom of their enclosure in the " pre-approved credit card '' offers I complained to CFPB about. There is a blatant case of fraud here in impersonating a current creditor/debtor relationship to sneak into my credit report when no business relationship exists. I have never applied for any of the approximately XXXX bogus offers of credit. I have opted out before this was put on my credit report - in black and white on page XXXX of XXXX for CFPB review. It is wrong. It is blatant. It is illegal. XXXX clearly distinguishes this recent credit inquiry from others that are promotional in nature and which I have since opted-out upon. FCRA requires a legitimate business reason for such activity. I have tried to stop Capital One Bank, U. S.A., N.A., Accounts Receivable, XXXX, Virginia XXXX to cease and disist all communication with me and all third parties to no avail.