WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX Knight Adjustment Bureau My contract was cancelled I never agreed to pay a third party aka collection agencies I had insurance on my items which I reported to original company was destroyed and in some one else 's possession I could not be around court ordered. My damage waiver should have covered damaged items. I couldn't return also owner of store said she sold contract out of her hands which is a breach in the contract it is backed by a bank so it should have been charged off as loss or covered by insurance. I have no contract with collection agency who just told me over the phone today they have given the account to there attorney but the original creditor states they no longer have anything to do with my account also the prices and the way the reporting on my account Is wrong I had one account with XXXX XXXX XXXX XXXX but the collection agency reports it as two and they only have one contract that doesn't say I have to pay them and I was willing to so I can fix my credit report but they refused to remove account only report them as XXXX.
The above three accounts ( XXXX, Capital One, and XXXX ) appear exactly as attached hereto on my credit report, but must be removed immediately. I have previously written each of the above fake " creditors '' a minimum of six times certified mail about the above accounts, which appear erroneously on my credit report. Under the Fair Debt Collection Practices Act ( and the Fair Credit Reporting Act ) these three companies ' repeated lack of any valid response by itself means that the CFPB should take legal action immediately. In addition to lack of response, the very data from the reports themselves copied above from my credit report all indicate that each account is WAY more than 7 years old, which in and of itself is dispositive. To be clear, these three accounts are not, nor were they ever, in my personal name nor guaranteed by me, and they are also more than seven years old, as the above " re '' notations demonstrate. What apparently is happening is that these companies are Illegally attempting to use fraudulently much more recent dates - the dates when the companies finally unilaterally got around to " writing off '' the amounts owed -- because these 3 companies knew that they could not win a lawsuit because the debts were not and never were mine. In sum, none of these accounts was ever in my personal name or guaranteed by me, all 3 are ADMITTEDLY, by the information provided above, more than 7 years old.

These companies scoff at federal law and essentially say, " sue us, '' which suit enforcing the FCRA is really the responsibility of the federal government law enforcement agencies, not individual consumers like me. I have written the CFPB before about this matter previously but have not received a response.Whatever the next step is, lets take it!
I contacted Chase Mortgage XX/XX/XXXX to provide new account information for my mortgage auto payment. I completed the form and faxed it back the same day I received the form. I spoke with an agent who confirmed the payment would be taken from my new account on XX/XX/XXXX. On XX/XX/2016, Chase tried to take the money from my old account and I incurred a {$29.00} fee. I called Chase and they said I needed to complaint the form again and they would not reimburse me the {$29.00} fee. I tried to write a complaint to their executive office but after 10 minutes of trying to locate the information on their website with no success I gave up and filed this complaint. Chase screwed up and did not take the money from the right account and now I 'm charged an overdraft fee that I would never incurred if they had not screwed up. I think it is horrible customer service to not reimburse the fee for there mistake. Why should pay {$29.00} when I did everything right. I contacted them in more than enough time for the payment and even spoke with someone to confirm the new payment information. Now they want me to complete the form again. What kind of confidence should I have that it will bec completed this time and I wo n't have this problem next month. Horrible horrible customer service. I want to reimbursed my {$29.00} fee for their mistake.
As of Tuesday, XXXX XXXX, 2017, TransUnion is still knowingly and illegally reporting a debt of {$640.00} to XXXX for XXXX. 
REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX.
I had attempted to negotiate a reasonable settlement of past due car payments with the original note holder. XXXX XXXX XXXX XXXX. We could not resolve. I voluntarily returned the vehicle. The vehicle was sold for an amount equal to or higher than amount owed. I attempted to resolve the quoted 'balance due after sale ' with XXXX XXXX. No response at all. Then I was contacted repeated by phone ( to the point I blocked the caller ). I responded in writing requesting no further phone calls and an accurate breakdown of charges. To this date I have not had any compliance from the debt collector - C U Recovery and they have actually sent me information with other individuals names on it stating they owe the debt as well. This C U Recovery appears to not have a professional representation nor is willing to assist in resolving this debt.
I placed a cashiers stop payment on a check from Bank of America the check was verified at the time as not being cashed yet, I was sent to a public notary with a stop payment Form. Bank of America Associate informed me that I would receive the funds in my account.And I never received anything Back.
I took an auto loan from Fifth Third Bank in XXXX of 2014 via a Car dealership. I was actually approve dby a different institution but the car dealership suggested I will save more money if I were to go with Fifth Third Bank. My monthly payment is {$440.00}, but I have been paying {$500.00} for the past 7 months, despite this, when I compared my loan info and payments compared to online loan calculators, I learned that I have been paying a lot more in interest charges due to the manner in which Fifth Third Bank is compounding interest, this was never explained to me either by the dealership nor by the Bank. I believe this is very misleading, pernicious and predatory practice. Can the CFPB please investigate this?
This was a debt incurred by my ex wife. She used my name to secure this credit. I have other debts she created including her divorce attorney debt that I got stuck with. I am just trying to rebuild by life and credit.
I received a call from someone at a company called XXXX XXXX XXXX. Initially the voice started out as an XXXX accent then went to a recording. The recording stated that I am being served at my place of employment or home that I have 2 hours to get there. Call them back to make an arrangement or we will see you in court. They call came through anonymously and I let it go to voicemail. I do not owe anyone or anybody anything.
I a partial payment of {$400.00} for my mortgage with XXXX XXXX XXXX XXXX  on XX/XX/2018. Capital One Bank didnt process the payment. It was not reflected on my account statement. As a result, I was charged a lot of fee with XXXX XXXX XXXX XXXX. My mortgage even when to a foreclose because of this. I want to be compensated for this BIG error.
Several times Equifax has changed my current address to the address I lived from XXXX, and listing where I lived XXXX as prior. I have called them many many times in the last 3 months. I have disputed the address with all three credit bureaus. I have added statements saying what my legal address is. This is the Equifax policy : if a creditor sends a different address, it is updated. As they suggested, I called every creditor on my credit report. They all have had my correct current address on file. 
I should be the only XXXX to change my address at a credit bureau. 
I feel that this should be illegal as it causes another identity theft problem. Several letters were sent to my previous address ( where I lived XXXX XXXX XXXX saying that it was my current address, and listing my address from XXXX as previous. My mail is still being forwarded. Once it is not, XXXX major security questions ' answers will be revealed to anyone receiving that mail. I received XXXX such letter again today. 
I called my attorneys general office and was told that they could do nothing because that is a company policy. 
I have difficulty lifting my credit freezes and getting my free credit reports, because the information I give is " not accurate ' -- due to different addresses ( I even had to pay for my XXXX report through their site ). 
This policy is unacceptable -- yet even the highest supervisors will do nothing except change my address when I call. and they suggest I call monthly. 
Someone needs to investigate and change this law.
When I applied for the checking account, I chose the option to fund my checking account by credit card for {$500.00}. My card was charged, and the bank claims they have not received the money from the credit card company and will not place my {$500.00} in my account. The bank will not help me find or return my money. I am really concerned about my money being " lost '' by a bank. Repeated calls have led me nowhere.
I requested a transfer of a balance from Capital One XXXX. The transfer went through on XXXX/XXXX/15 so I now have a $ XXXX balance on XXXX XXXX XXXX. However, the transfer has n't gone through yet on Capital One so I still have that balance on that card, too. Therefore, I am being charged finance charges on XXXX cards. Seems like a game the credit card companies play to make more money.
I have not received free annual credit report from Equifax as requested in 2016. 
When requesting from XXXX FOR THE PAST SEVERAL YEARS they refused to accept several proof of address attempts. I did Include photo ID and letter from the homeless shelter and they continued to deny. I have lived at the same address for eight years.
On XX/XX/XXXX XXXX ; Amount {$800.00}, totaling {$1200.00}, appear on my credit report. I filed Bankruptcy on this XXXX/XXXX/XXXX. The case number is # XXXX and it was XXXX on XXXX/XXXX/XXXX .It has been 7 years and they 're trying to collect on this. I want this removed from my credit report.
This complaint is two-fold. The company, DIVERSIFIED CONSULTANTS has a collection account that is reported with XXXX, XXXX, and XXXX  with the amount of {$3100.00}. The company, DIVERSIFIED CONSULTANTS with the account number XXXX has " re-aged '' the debt to make it appear I opened an account with them in XX/XX/2018. The company is reporting my account as if it was opened with them on XX/XX/2018. The account is an old XXXX account. They are reporting incorrect information that is affecting my credit. In addition, I have not received any written correspondence from them in order to resolve the issue since XXXX. They have called me several times at my place of employment. I have notified them to not call me during work hours, as I am a XXXX XXXX XXXX who is legally obligated to provide XXXX XXXX services to the XXXX  I service. Each time they called, I informed them that I am at work. They have not sent any written correspondence at all to resolve the issue.
i took a loan out in the amount of XXXX dollars i was only advised i would have to pay back XXXX, i ended up paying back XXXX dollars and now they are stating my loan pay off is in the ball park figure of XXXX dollars i was never advised of the 850 % interest
I have XXXX inquiries that generated an account and I was able to close the accounts before any fraudulent charges were made. The inquiries still showing on my report and transunion refuses to help me with the issue and expedite the process inquiries are the ones bellow : XXXX XX/XX/XXXX and XXXX bank XX/XX/XXXX Please do not delete the other XXXX as it belongs to me.
I checked my credit and there is a collection from Diversified Consultants XXXX. XXXX XXXX XXXX FL XXXX. They didn't contact me in any way nor did they send me any correspondence via mail. It just appeared on my credit file on XX/XX/2018. I had this same issue 2 yrs ago with XXXX and it was deleted off my file once it was resolved due to no amount owed. I have sent them a certified letter to provide me with the original contract with my signature on it to validate this claim. This is required per the FCRA to report on my file or it's a violation of my Federal Right. Sec. 609 ( A ) ( 1 ) ( a ) and 611 sec. ( a ) ( 1 ) ( a )
Preventing steering, XXXX sever the essential linkbetween the price and sales XXXX by denying merchantsthe opportunity to influence their customers ' payment decisions andthereby shift spending to less expensive cards. ''
Hello : This year, specifically this summer has been a busy time for me and an expense time period. I got married, planned and went on a honeymoon, and am currently unemployed looking for work. 

During this time period I have had many expenses flowing into/ out of my bank accounts and credit cards. To reduce risk of fraudulent activity I only used my credit cards for large purchases. Believing that my Bank, Chase Bank, was continuously monitoring my account for fraud. 

On XX/XX/XXXX I logged into my account from my phone to view my bank account which I noticed was low, and noticed there were a series of fraudulent transfers, ACH transfers from my Chase Banking Account ( Checking Account ) out of the account through some service at XXXX ( XXXX immediate ACH transfer ). These transfers were large in size ( $ amount ) in XXXX and XXXX, over the most recently 60 days, and I immediately called Chase to have my account rectified, monies refunded, etc. Chase was rather unhelpful over the phone. I was continually bounced between ( a ) customer service ( which only handles certain aspects of an account ), ( b ) claims services, and (  c ) fraud monitoring. 

The fraud transfers, $ Dollar amounts, vendor, and date are noted below. 

1 - XX/XX/XXXX - {$1200.00} - to XXXX XXXX - via XXXX ( from Chase ) 2 - XX/XX/XXXX - {$610.00} - XXXX XXXX - via XXXX ( from Chase ) 3 - XX/XX/XXXX - {$600.00} - XXXX XXXX - via XXXX ( from Chase ) 4 - XX/XX/XXXX - {$930.00} - XXXX XXXX - via XXXX ( from Chase ) 5 - XX/XX/XXXX - {$590.00} - XXXX - via XXXX ( from Chase ) 6 - XX/XX/XXXX - {$71.00} - XXXX XXXX - via XXXX ( from Chase ) 7 - XX/XX/XXXX - {$26.00} - XXXX - via XXXX ( from Chase ) 8 - XX/XX/XXXX - {$25.00} - XXXX XXXX - via XXXX ( from Chase ) 9 - XX/XX/XXXX - {$35.00} - XXXX - via XXXX  ( from Chase ) 10 - XX/XX/XXXX - {$15.00} - XXXX XXXX -via XXXX ( from Chase ) Two days after I noticed the charges in XXXX I called Chase to notify them of what I saw as fraudulent charges. Chase never notified me. It appears they did not think any of these charges were a-typical or out of the normal course of my daily life despite being a customer with Chase, originally a WAMU customer since I believe XXXX. 

After I called them last at night when I realized the charges, the Chase representatives stationed in XXXX were entirely unhelpful. It appeared they were reading from a script and did not re-assure nor provide helpful incites. 

As noted above, I was in the process of getting married earlier this summer and making sure all vendors paid. I then planned my honeymoon and went on the honeymoon. 

Chase did not contest the charges in a timely manner and XXXX has not released the information regarding the individual that created the account and made these fraudulent charges. 
I need CFPB to help me refund my money and help liaise between Chase and XXXX. 

I need these funds to cover routine monthly expenses. I am not being adequately covered in this situation by any lending institution. 

Best and Talk Soon, XXXX
This company called Safco has a balance of {$9700.00} reporting on my credit report I have reached out to them and asked them to validate this debt because this account is not mines and I wanted a copy of the bill of sale, the original contract bearing my signature, the date o f repossession, the date it was sold at the auction, the receipt of auction sales, and the computation of thIs balance so I can see how my name got attached to this loan/ lease, I have sent multiple letters to this company asking them for the information and also to remove the negative entry from my credit profile as per the fair credit reporting act section 609, 623, 605, 611 and 604, this company in over 90 days as not replied and still continue to verify information with the credit bureaus, whatever verification is going to the credit bureau for this account to remain I need it
I lived with a foster parent years and I pulled up my credit report. I found out that she is using my name and information without my consent. I have n't lived that former foster parent since     XXXX   So she should n't be using my information. I also saw some things on my report that was n't from me and it shows my name being used in ways that I do n't spell my name.
I have had trouble getting a dispute through to Experian, involving a collection account on my credit bureau report that is inaccurate/not mine. Despite three attempts to get my dispute through to Experian via the CFPB, my disputes have been returned " duplicate '' disputes. This may be because I had already attempted to resolve the matter directly with Experian - to no acceptable result.
The matter involves an open collection account on my Experian bureau credit report - for XXXX XXXX - that represents a collection for a credit card I never opened or owned.
I have disputed this matter with credit bureaus XXXX and XXXX. They both have removed the XXXX XXXX collection account from my report, as their investigations found that the account is not mine. I am asking that Experian do the same.
I was instructed at the time of signing that if I paid the minimum, which at the time of signing was {$100.00} a month, I would pay off the loan in 10 years. I started to pay off the loan in XX/XX/2004 and I am still paying, but the minimum payments have gone down over the years while I have still payed {$100.00} per month till two months ago.
I made a number of purchases totaling close to {$20000.00} across XXXX Discover cards at XXXX and XXXX between XXXX XXXX and XXXX using Discover 's XXXX Pay promotion, which offered 10 % back on the first {$10000.00} spent on each of my XXXX Discover cards before the end of the year. Several weeks later, I received emails from Discover for each purchase, claiming that I must submit receipts for each purchase in order to prove that none of the items purchased were gift cards. There was nothing in the terms about needing to submit receipts, or that the burden of proof would be on me, rather than Discover, to ensure the purchases qualified for the promotion. Due to this, I did not save any receipts, and now will not be eligible for several thousand dollars in cashback that is rightfully due to me ( {$2000.00} per card ; the cashback on XXXX of the cards is doubled to {$4000.00} after 12 months ; a XXXX, concurrent Discover promotion ).
The eye glass company was told to not complete my order, but they did anyway, and are now trying to collect even though we never received the glasses. Now the loan company the store does business with is contacting me all of the time and harassing me.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected back in XXXX. I received no email, letter, or phone call and instead had to discover it via social media.
I am filling this complaint because experian has ignored my request to provide me with the documents that their company has on file that was used to verify an account under " XXXX ''. I have no knowledge of the account being reported on my report. under section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... ... promptly delete all information which can not be verified. '' that I have disputed. I need physical proof because I have no record of this account. Their response was that it was " verified '' but did not provide either the name of the employee who verified the account or physical proof of the verification off the account. Please resolve this matter as soon as possible.
While refinancing my loan back in XX/XX/2016, I had a long conversation with PennyMac Loan officer XXXX, regarding my PMI while refinancing, I asked when it would fall off, how it works and everything like that. A year later while talking with PennyMac they stated that my PMI is for the life of the loan. This is NOT what I was told from XXXX XXXX Loan officer # XXXX, we had a conversation specifically about the PMI. I would have never signed this knowing that when we had verbal over the phone communication regarding this. I have since complained to PennyMac and have gotten nowhere. They're actually the ones that referred me here to make a complaint. Customer service can't help me on their end, neither can managers of loan officers or managers of service. I am getting no where and was given misleading information, basically flat out lies. Please help me resolve my issue. Please pull the phone calls, I have asked PennyMac multiple times and they wont
I have excellent credit and pay my bills on time. However, an email-delivered American Express bill escaped my notice. I paid the past-due bill online in full, which included a late fee, upon receipt of a bill sent via USPS. No further charges were placed on this card. Today I discovered I was charged an additional {$38.00} late fee in XXXX and another {$38.00} late fee in XXXX. I feel that American Express is using extreme tactics in charging late fees.
I purchased a preorder pair of headphone for {$140.00} from a company called XXXX on XX/XX/XXXX. In XX/XX/XXXX the company claimed to be finally shipping out the headphones. They were sent out to a person to review them on XXXX and they received a bad review. The very next day XXXX closed up shop leaving many customers without their preorder money and no head phones. I reached out to my bank Capital One to dispute the transaction and was told that is was past their 120 days to dispute. They told me I had to go about to XXXX and request a refund. I again went back to Capital One explaining that the company does not exist anymore so I can not contact them. I have tried four different times to have Capital One refund my {$140.00} but to no success.
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX days past due as of XX/XX/2016, XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. 

I am a XXXX and not sure how this happened. I am in the process of selling my home and getting ready to use my XXXX loan and this is really affecting my credit. I am so sorry for any inconvenience but wondering if there is anything you can to do help me.
I am sick and tired of having to spend so many countless hours trying to fix the mistakes created by both ChexSytems and XXXX XXXX XXXX. I am a XXXX Citizen ( Attached Proof ). I have attached a copy of a XXXX that I intend to file if ChexSystems does n't remove the negative/inaccurate mark from XXXX XXXX XXXX. 

Final warning.