WillisBack/dataset-financial-user-claim huggingface dataset:
I gave my notice to the property manger and moved out of a house. The room mates who stayed at the house did not pay rent and were evicted. The owner took them to court and got judgement against them but name is still attached to it - It has killed my already shaky credit. I have a letter from the attorney for the Property Manager stating to take me off of the Judgement and that was given to the superior court. Thank you XXXX
EQUIFAX MUST NOW REMOVE ALL BARRIERS TO MY CREDIT REPORTS, CONSUMER REPORTS AND MONITORING. THERE S KNOW NEED FOR CONSUMER AFFAIRS TO AUDIT MY LIFE ANYMORE!
On XXXX/XXXX/XXXX I received a letter from Kohl 's dated XXXX/XXXX/XXXX that they needed to update my address information by XXXX/XXXX/XXXX or they would close my account. On XXXX/XXXX/XXXX I called the telephone number provided in the letter and spoke to a customer service representative named XXXX. I told him they had my correct address which I have had since XXXX. I also confirmed my telephone number & email address. He said my account had been updated and it was fine to use my credit card. On Sunday XXXX/XXXX/XXXX I went shopping at Kohl, s using my Kohl 's credit card and when I swiped it it said to see customer service. I was directed to use the phone at the customer service desk. I spoke to a representative who told my my account was closed because my address was n't update, I told her I had called on XXXX/XXXX/XXXX and spoke to XXXX & he said my account was open & fine to use. She said that the account was closed & could n't be reopened. She refused to let me speak to a Supervisor. When I got home at XXXX XXXX I called customer service again and spoke to XXXX who told me the account was closed on XXXX/XXXX/XXXX by the credit bureau XXXX and to contact them. I knew this information was incorrect and asked to speak to a supervisor, she said once the account was closed it could not be reopened and would not connect me to a supervisor. I called back at XXXX XXXX and spoke to a representative named XXXX who did connect me to a supervisor named XXXX XXXX who said she would have to listen to the recording of the conversation I had with XXXX on XXXX/XXXX/XXXX and would call me back. She called me back at XXXX XXXX and admitted it was Kohl 's mistake and it would take 10 days to 2 weeks to reactivate the account and would keep in contact. On XXXX/XXXX/XXXX I received a letter from Kohl 's dated XXXX/XXXX/XXXX stating that they could not reopen my account because I did not meet Kohl 's criteria to do so. I called customer service to speak to XXXX XXXX and spoke to Supervisor XXXX who could not find her extension but would email her and have her contact me. He could not explain what Kohl 's criteria for reopening an account was. Since I did not hear back from XXXX, I contacted customer service again on XXXX/XXXX/XXXX at XXXX XXXX and spoke to Supervisor XXXX who stated that due to the XXXX after XXXX/XXXX/XXXX they could not use a mail service address and needed a residential address. She is the first person who stated this was Kohl 's criteria for opening an account. I argued that this was my legal mailing address and has been since XXXX and why did they allow this account to be opened in the first place. I have had this account for 5 years with an excellent credit history of payments. I have used the same address for all my credit cards, etc. and have not had any problems. She said she would take this up with the president of Kohl 's and get back to me within 48 hours. She said she needed my residential address for a reference point which I did give to her. I have had no contact from anyone from Kohl 's since XXXX/XXXX/XXXX regarding this matter.
On XXXX18 between the hours of XXXX some guy called my work and said to me Don't hang up! i said don't called me at Work..he insisted talk and I told him I can't talk to you. He keep talking .... And told me that if I didn't pay the will she and garnished all of my belongings and that it was a crime. I told him I can't talk on the phone. I had customers waiting forms to help them, here I'm tell this guy from XXXX XXXX XXXX  to STOP. So he said is there another number i said you have it. Don't call this number. I told him that I couldn't afford to pay ...
This is a transaction that was initially disputed with the citi card on XX/XX/XXXX however theyve not come to any resolution yet. Nor will they allow you to send in your proof as I was rudely told I couldnt send it in - when I asked today XX/XX/XXXX. 
The merchant in question is called XXXX They pretend to be a company in CA however they are really from XXXX. They pretend they have items on their website that are available- the items arent. I will be attaching reviews totaling over 2000 bad reviews and sites showing their scammers. They take your money and then they dont ship expedited shipping thats for sure and you dont get the goods bc they say theyre out of stock yet they dont put that on their website. 
I had called in regards to opening this dispute on XX/XX/XXXX however I told the man that they were owed XXXX but he told me he was going to put the whole amount of XXXX in dispute id is XXXX. 
Me and the merchant had gone back and forth through XXXX and the last they said was they would reimburse me for XXXX, XXXX, XXXX ( the XXXX and XXXX equal the XXXX ) youll see in their message through XXXX who did nothing bc I escalated it with citi card instead. However I still have that proof of what they were going to pay me plus they said any taxes - when I said I wasnt paying for expedited shipping bc my order never came expedited at all so they agreed to that plus any customs charge which I did not see getting billed to citi. Im attaching all that proof. Which means that I should be owed XXXX plus the XXXX in expedited shipping which never happened. They agreed to that. That means XXXX is owed to me XXXX to the scammers that citi card doesnt care about evidently. That would equal the whole amount of XXXX I was told to dispute. However Im only owed the XXXX. 
Please tell citi to rectify it ASAP its been long enough and they probably should do research on the companies theyre fighting for the customer for bc they would see these people are liars and scammers.
Diversified Consultants has violated the Fair Debt Collection Practice Act, section 809 ( a ) ( b ). This account was opened or established without my knowledge or consent. Diversified Consultants provided no initial communication within the five days of any collection attempts regarding this debt. In addition, Diversified Consultants has failed to provide any original copies of verification obligating myself to this debt. Since Diversified Consultants has not been able to provide strict proof of verification, collection efforts must cease and this account should be immediately removed from all three major consumer reporting agencies
Equifax reported false information on my credit. My XXXX mortgage account was never late. They received information on the behalf of the military. They neglected to remove this information from my report. I need this removed from my report. They need to remove XXXX lateness from my report.
The escrow account does not add up. Chase Bank keeps raising or mortgage by hundreds of dollars every few months. They claim we have an escrow shortage after they have completed their analysis. They lied and said our home owners insurance went up from XXXX a year to XXXX a year. I called usaa and our mortgage has never hone up I called chase bank to cancel the escrow account and first they promised and then called to refuse. Our property taxes are only XXXX. A year. We pay XXXX a month for escrow plus additional amounts XXXX. XXXX to keep our mortgage payment down. They are crooks.
I had a payment for a loan with Net Credit due on XXXX XXXX, 2015. I called to pay off the entire balance of the loan but had to use a different checking account than the one I was using for the loan. The representative for Net Credit advised I would need to mail a check from the different bank account in and it would need to be processed for me to use a that different account. I then asked if I could pay with a debit or credit card and the representative advised I could. I told the representative I would call back on XXXX XXXX and pay off the loan with a debit card because it would be quicker than going through the process of paying with a check. The representative advised that she would make a note that I would call back and pay off my account on the XXXX. She told me the amount would be {$3900.00}. 
I called today, XXXX XXXX, to pay off the loan. I was told the balance was {$4100.00}. I was told the account accrued interest since XXXX XXXX. I advised the representative I called on the XXXX and attempted to pay off the debt with a check and was told I had to mail in a check and the check would be processed. I told the representative that I was advised to call back because paying with a different check would take longer than paying with a debit card and I was not told interest would accrue on the account in the meantime. The representative told me that it is a contractual agreement that interest is accrued when payment is not made. I told the representative, and the manager, I attempted to pay the debt on XXXX XXXX with a check and that the time it takes them to process a check it not my responsibility. They accept checks as a payment option, the representative on the XXXX advised me otherwise, and I should not be charged interest when I attempted to pay the debt on the XXXX. 
XXXX, the manager, then told me I also stated I would pay off the balance on XXXX XXXX. I asked XXXX if the interest I was being charged since XXXX XXXX or for me being one day late from the day I stated I would call back to pay the balance in full? XXXX advised the interest was from XXXX XXXX to today. I told XXXX multiple times that I should not be held responsible to pay interest when I attempted to pay the debt on XXXX XXXX but I was still charged the extra {$170.00}. If needed, I did record the conversation and can provide a copy.
Basically I 've been keeping an eye on my credit report since I fired XXXX XXXX, however I 've noticed that I have a total of XXXX inquiries on my Experian credit report and I never applied for credit all these times. I was told by a XXXX XXXX Representative that in order to increase my score I had to get more credit and he 'll help me out with that. To sum it up I started receiving credit cards and I assumed it was because my credit was getting better. Long story short I 've seen the inquiries but I assume that that was because they sent me a card. But after reviewing my credit report today on Credit Check Total I had inquiries for things I did n't run my credit for I only applied for XXXX things but I see that I have XXXX inquiries. Here are the inquiries that are n't requested by me : 1. XXXX XX/XX/2017 2.XXXX XXXX 3.XXXX 4.XXXX 5.XXXX XXXX 6.XXXX 7.XXXX
I have a loan with DITECH FINANCIAL LLC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and DITECH FINANCIAL LLC with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX 2017.
I was late paying my timeshare maintenance fees, for the XXXX of 2015, and it was sent to collection in XXXX 2015. I paid the collection agency in full, and verified with them that I was paid in full, however they failed to return my account to the original creditor, and instead kept my account open so that the original creditor never knew to bill me for the XXXX of 2015. So neither the original creditor nor the collection agency have sent me anything in writing notifying me of the debt, but instead have made phone calls harassing my elderly parents on their home phone number thrice in the past week. Once by automated robot system, and twice by a live representative from the collection agency sharing my personal information on their answering machine. I just want to pay what I owe to the original creditor, as my account should have been generating bills from them, which they never sent to me, and not the extra erroneous charges by the collection agency, who is acting in an illegal manner.
Contacted CitibankbCustomer Service on XX/XX/XXXX - had long conversation about incorrect service fees. Was told two months fees would be refunded and they would research the other fees. 
Called XX/XX/XXXX because of an insufficient funds email from Citibank. Found they did not correct ANY fees and charges another months fee and an insufficient funds fee of {$34.00}. 
After three conversations, One Hung up on me, they said the fees refunds were denied.
Pursuant to FCRA I am writing to your company today to advise you of ID Theft resulting in fraudulent accounts/inquiries on my credit, you are required to investigate any negative and/or derogatory listing which I submit a dispute on. When I have notified you of the following information the proper action has not been taken. A proper investigation has yet to take place, if this complaint is closed without proper action being taken by your company. I will seek legal means to take action against your company through the judicial process. I have sent all paperwork necessary for a dispute with Equifax , including an affidavit, police report, letter from the DA, and a cover letter on which accounts I was a victim of identity theft. I mailed them US priority mail, I have yet to get a response back. The police report and the letter from the DA verified that I have had numerous accounts that had been opened fraudulently while serving in the US Military. There have also been countless inquiries considering the accounts/inquires were opened and or requested without my knowledge or consent FCRA requires them to be removed within 30 days. If this is not done it is punishable { {$2500.00} } per offense. I will seek the maximum allowed by law if the following accounts/inquires are not removed within 30 days for receipt of this complaint. First I want to address the is the collection account XXXX from XXXX XXXX. Second I would like to address XXXX from XXXX XXXX XXXX XXXX This account was mine, however, I was never late! And, I paid it off. Please refer to my XXXX credit reports that I have attached for verification. Third account # XXXX from XXXX FI. This was not me and is fraudulent. Fourth account # XXXX with XXXX XXXX. This was not me as well. Fifth, account # XXXX that was originally with XXXX and now is with XXXX. Again, this is not me and I 've sent documentation from local law enforcement proving all of these were identity theft. Sixth is account # XXXX that was originally with XXXX XXXX XXXX and now is with XXXX XXXX XXXX Seventh is account # XXXX that was originally with XXXX and is now with XXXX XXXX XXXX I have never even been to this place. Eighth is account # XXXX that was orignally with XXXX and is now with XXXX XXXX XXXX Again, I have never been to this place. Ninth is account number XXXX with XXXX XXXX. tenth is account # XXXX with XXXX XXXX XXXX with a zero balance. I have sent notice to the companies directly and they have been ignored so under FCRA these all need to be removed and/or fixed without further delay. As a credit reporting agency when a company fails to provide PROOF which they are not able to do ( The addresses and phone numbers on these accounts do not match my own or the companies simply will not provide the information ) the accounts must be removed BY THE CREDIT BUREAU under FCRA.
Nationstar Mortgage provides payoff for loans only through the last day of each month. If you loan closes XXXX XXXX, you are required to pay them interest through XXXX XXXX no matter what. Then, once interest is paid to them through XXXX XXXX, they keep your money another thirty days before sending the refund. In the above scenario they have use of your money for almost 60 days. This must be a lucrative business for them in that they have thousands of consumer 's money to invest for periods of time. In my case, it is {$1600.00}. I can only imagine what they are making on the float of all consumer 's money. This should be stopped.
Discover Card called my workplace to ask if I was going to pay on time. I have already disclosed to them they are not allowed to call my workplace.
I sent letters to all 2 credit bureaus telling them their was fraudulent accounts on my credit report I did n't know how they was there they did n't belong to me ..I also told them accounts was reporting wrong and inaccurate information such as open dates, wrong payment amounts and etc ..The 3 bureaus did nothing about it but sent me back a updated copy of my credit profile without investigation..I have pics to show the inaccurate information my Same accounts on credit reposts have different balances, open dates and etc .According to the FCRA all information should be truthful and correct and these bureaus are breaking the law destroying consumers report and nothing is being done about this ...
I am having problems with a third party using my account without my permission/consent. This is annoying as this problem is constantly. The fraudulent address is Discover XXXX, UT XXXX Discover Bank, Member FDIC. The Payment address which I believe to be the original Discover address is Discover Financial Services, XXXX, IL XXXX
Received call from XXXX - said he was XXXX calling from Critical Resolution Center and I should call immediately or else. Asked me to call XXXX. I referred to my attorney - when she called they hung up on her. Gave me a reference # of XXXX. Never stated who they were representing. Think it is a scam.
I live in a flood plane and which means that I have to carry flood insurance to statisfy my mortgage requirements. I previously had my home hazard insurance and flood insurance with XXXX. After a very poor experience with XXXX, I switched my home hazard insurance to XXXX. My flood insurance is set to renew this year on XXXX. I have been trying to switch that over to XXXX as well. <P/>In XXXX, I found out that my mortgage company, who handles my escrow, Shellpoint Mortgage sent over renewal payment to XXXX for my flood insurance. I did not request this nor want it. I only found this out when I called to have the insurance be switched to XXXX. <P/>Since then, I have been trying to get the insurance switched. On XXXX, Shellpoint told me that a check would be sent to XXXX. Then, once they received that payment, they would provide me with a Decleration Page, which I could use with XXXX to cancel the current renewal and get the original payment refunded. <P/>On XXXX I received information from XXXX that the check never went out. Upon calling Shellpoint, they confirmed the same thing. After spending over an hour on the phone between both parties, Shellpoint said that they would overnight a check to XXXX to make sure that we could get this worked out before the renewal date of XXXX for my flood insurance. <P/>On XXXX I called Shellpoint to confirm everything was good, and get the overnight check information ( tracking number, carrier, etc ) so that XXXX could easily find the check. Then I was informed that the check never went out and that it takes them 'time ' to process the check. <P/>I am currently on the phone trying to deal with this issue. However, I have very little faith that it will get worked out. I am worried that I will not be able to switch my flood insurance to XXXX and even if that happens, I am worried about being able to get a refund from XXXX. <P/>Please help.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late on XX/XX/XXXX 2013 and XX/XX/XXXX 2013 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 have some accounts on my credit file that Equifax refuse to remove off due to Identity theft. I sent them copies of my police report and ID Theft affidavit and they refuse to remove the items off of my credit file.
On XX/X/2017, I attempted to order XXXX XXXX credit monitoring service, offered by XXXX XXXXXXXX XXXX ( XXXX ) / XXXX on their Web site ( https : //usa.experian.com/ # /registrationXXXX XXXX XXXX XXXX ). The order failed, due to an XXXX XXXX XXXX ( XXXX ) / XXXX internal server error ( see attached screen print ). The error continued to occur as I tried placing the order additional times, and I was unable to access the service. After calling the customer service number provided ( XXXX ) and waiting on hold for 25 minutes, I reached an agent, who acknowledged the error, but was not able to manually process my order. I was told to try placing the order the next day. To sum up, the company is offering a service they apparently do not have the technological capacity to provide. This is a concern, given the high sensitivity of the consumer data they administer. Further, they dont provide the normal means of electronic contact ( email, chat, etc. ) that would be expected of a technology-intensive information services company and that would enable consumers to document and report issues they encounter with the services in a convenient, timely, and written manner. If they provided these means, this CFPB complaint would not be necessary.
Has repeatedly called and harassed me. Always requesting personal information. Refuses to give any information regarding the " debt ''. Extremely rude and unprofessional.
Incorrect and or inconsistent information across All three Credit Bureaus Identification of the specific information being disputed XXXX, XXXX and Equifax reporting Acct Number XXXX Basis for the dispute : Equifax Account # XXXX Open Date XX/XX/2016 Last payment XX/XX/2016 Payment History XX/XX/XXXX Unknown XX/XX/XXXX Unknown XX/XX/XXXX 30 days late XX/XX/XXXX Unknown XX/XX/XXXX Unknown XX/XX/XXXX 30 Days Late XX/XX/XXXX Collection/ Charge off Remarks : Charged off account Credit Card Creditor Information : NONE XXXX Account # XXXX Open Date XX/XX/XXXX Last payment XX/XX/2016 Payment History : No payment History Reported Remarks : Charged off as bad debt | Account information disputed by consumer, meets FCRA requirements Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX Account # XXXX Open Date XX/XX/2016 Last payment XX/XX/2016 Payment History : XX/XX/XXXX OK XX/XX/XXXX OK XX/XX/XXXX 30 days late XX/XX/XXXX OK XX/XX/XXXX OK XX/XX/XXXX 30 Days Late XX/XX/XXXX Collection/ Charge off Remarks : Customer Disputed account- reported. |Unpaid Balance reported as a loss by the credit grantor Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone # XXXX
I have been receiving numerous communication of misleading information as to name and information of a true Creditor, Accounting and Personal information mixed with a different Debtor. 
One example in one written notice I received it even had my bankruptcy filing information such as case number having the first digits mixed up too.
Beginning mid XXXX, I began noticing the same unauthorized charge of XXXX dollars and change on my account. The same charge would appear each month. Each month I would call USAA to dispute the charge and ask them to deny the ( obviously ) constant debit of my card. USAA could not prevent the activity on the card. In XX/XX/XXXX, I cancelled the card with USAA - having no faith in their protection of my privacy as a card holder. I shredded the credit card, and had no further problems until today ( XX/XX/XXXX ). 

I received a bill from USAA on the CLOSED account - for the SAME fraudulent charge! 

I called USAA and waited on the phone for over an hour and a half, and finally hung up. 
USAA is definitely not able to rectify this problem.