WillisBack/dataset-financial-user-claim huggingface dataset:
[Letter # 4] Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS  *** {
I continually am having issues with Equifax and their horrible customer service and their complete disregard for keeping accurate records in numerous regards. I keep having an account that has been wiped from my responsibility reinserted by Equifax causing a derogatory flag to report on my credit file. This has been settled and the maliciousness of Equifax is apparent with their reinsertion a month or so after they remove it when I complain to the CFPB. Action needs to be taken against Equifax for their complete disregard for keeping accurate records. Even Equifax has lost track of who the account was from and is reporting a derogatory account from a nameless collection agency regarding a medical account in the amount of {$630.00}.
My complaint is with Advance Financial in XXXX Tenn. XXXX They changed my payday loan to a flex loan my loan was {$940.00} due XXXX payment {$35.00} XXXX payment XXXX payment XXXX {$110.00} I have made both payments on time I now owe XXXX My next payment is XXXX {$110.00} the. Interest is XXXX per day and XXXX customary fee.Advance Financial lied to me about this Fllex loan the way they set this loan up I will never get it paid off. Its a rip off big time I have pleaded with them to terminate my loan because they did n't tell me the truth about this new loan.
On XXXX XXXX, 2015 maybe federal credit union withdrawal or reverse {$200.00} out of my account which day were not entitled to do the claim that they have reversed it to {$200.00} from my account because they have gave given me credit for dispute I have made which day did not and never automatic give me credit I have several dispute pending which the did not give credit for while speaking with the representative they indicated that it was their error and they should not have taken the money out of our account maybe federal constantly reverses they constantly steal and over charge please investigate all products and services from maybe Federal credit Union to ensure this business banking institution is running according to United States federal regulations in any misconduct mismanagement they should be charge according to United States federal law
This was an incorrect bill from 2010 that has already been resolved and removed from collections and credit report in the past at least twice.
I disputed information on my Credit Report with Experian and XXXX. Both refuse to delete old accounts that are past the exertion dates or take of accounts like my old IRS bill that has been paid even after submitting proof. They will not allow me to dispute inaccurate information because they said I have already disputed it before even though things have changed since them, ie IRS.
I pay all my bills in full every month. I have on numerous occasions failed to recieve my statment from Capital One. When I call Capital One and ask why I do not recieve my bill they tell me I do. I every time pay my bill in full and move forward. They send me to a voicemail in which I leave a message and they never return my call. Very poor customer service which esults in my frustration.
I was a victim of identity theft. In regards to my XXXX XXXX XXXX XXXX I sent the Consumer Reporting agencies a copy of proof of identity, a copy of an identity theft report, the identification of such information, and a statement by me that the information is not information relating to any transaction by me. This was sent and received by all Consumer reporting agencies. XXXX has followed proper protocol by blocking the information from my report according to fcra 605B. However Equifax and XXXX have not. I have proof of delivery of such items. In general a consumer reporting agency may decline to block or rescind a block of information if the agency has reasonably determined that the information was a error, there was a misrepresentation of fact, or the consumer obtained good or services as a result of the block however, they are required to send me promptly information pertaining to this and have not done so. I was under the impression they had 4 days to block the information from the report unless they notify me of the rescind or not blocking the information. I will be looking at what damages are being caused by not following the strict guidelines protecting consumers from identity theft if this is not resolved immediately. This account must be blocked.
I applied for their " Public Service Loan Forgiveness '' or PSLF, program and I first applied in XXXX XXXX, was given a different number of qualifying payments. XXXX of my loans had XXXX qualifying payments, XXXX loans had XXXX qualifying payments, and XXXX loans had XXXX qualifying payments. I had to re-certify my PSLF paperwork in XXXX XXXX, which I did and it reset my number of qualifying number of payments. Since XXXX XXXX my account has shown XXXX qualifying payments for all XXXX of my loans. I have called FedLoans multiple times to fix the problem, I called them before XXXX XXXX to get the correct number of qualifying payments. I pay my bill on time and in full and it was always over the amount they were asking. It is now XXXX and the problem has not been solved. I should have at least XXXX qualified payments. Why should I keep paying my bill on time, if they ca n't do something as simple as update my account. I made the payments, so they should update my account.
They have called my family members in an attempt to contact me re : an unpaid debt and threatened legal action telling me I wrote a " hot check ''. Funds were not available when they attempted to draft the amount, I did not write a " hot check ''.
On XX/XX/2018, I placed an order for a book on XXXX XXXXInitially the book was not delivered. However, it was later found and delivered. At which time I realized that it was the wrong book. In such case, the book was sent back and received by XXXX. The problem so far has been about receiving back the prize that was paid for the book. I paid the sum of {$120.00} for the book and it was charged to my XXXX credit card. However, after having returned the book. My account was credited with only {$16.00}. Leaving my account short {$100.00}. After having contacted XXXX about the discrepancy, I feel I am being given the run around. I received a reply e-mail that states that it would take sixty days to investigate something so obvious. In such case, I called their customer service and I was told it was an issue with XXXX not the bank. However, from my perspective as their customers it makes no difference to me. Plus the purchase was paid for with an XXXX credit card.
This dispute involves XXXX XXXX and an inaccurate reporting of my account status to XXXX, Experian, and XXXX. After challenging the validity of the account I received feedback from XXXX, Experian, and XXXX which stated that the account was being reported as verified as accurate and updated. After several attempts to get them to verify this information I went through some olf files and was able to find a settlement letter dated XX/XX/2016 stating that the account had in fact been settled. I also found a cancellation of debt which was provided by the company in 2016. After the bureaus continued to report the status of this debt as negative, I sent all of this information to them and reached out directly to XXXX XXXX. Their response was that theyd reported all of the information in question correctly and since the bureaus had already reached out that they would not reinvestigate the matter. After receiving the letters Experian then changed the account status to paid, but allowed all negative payments to that point to remain with the status being FP or " failed to pay ''. This again impacts my ability to purchase a new home, apply for business credit, etc.
We had an auto loan through Wells Fargo. The vehicle was paid off in 2017. Im trying to trade it in towards a new vehicle and it is still showing that there is a lien on the vehicle. Ive been calling Wells Fargo for 4 days trying to get a lien release letter sent to the car dealership and they keep giving me a different answer every time I call
Both XXXX XXXX XXXX and Citigroup as public financial institutions are limiting or preventing myself and other U.S citizens ability to exercise our constitutionally protected right to bear arms and to protect ourselves. This is discrimination directed at an activity that is clearly protected by the second amendment. These companies had no issues taking tax payer money to keep their doors open, but are now slamming shut in the face of companies that make, distribute or sell these legally protected firearms.

The U.S Government when bailing these companies out determined they are too big a part of our financial system to fail. And being such a large part of that system should not allow them to choose what kind of legal business they will or will not work with.
I recently ( XX/XX/XXXX ) applied for a private XXXX student loan through XXXX XXXX and was denied. In the document they provided that gave their reason for denial ( XX/XX/XXXX ) they said it was because I had a delinquent student loan. 

Upon further inspection I saw that Navient ( under the name XXXX XXXX ) was reporting that I was in default on my student loan from my XXXX in XX/XX/XXXX. I did go into default on my student loan around XX/XX/XXXX because of XXXX  XXXX diagnoses and some rough financial hurdles. However, I did the one time rehab program and got out of default and am now on IBR. I have made payments in the past through IBR, but since I am a XXXX XXXX now it is in deferment. This is through XXXX, they have all my loan info now, and I am in good standing with them. 

Unfortunately, I hadn't really looked at my credit report before, because of that whole getting XXXX three times between XXXX and XXXX years old. XXXX put me in a very deep hole that I have been working very hard to get out of. I thought I had bad credit because of that. And it wasn't until around XXXX that I even felt I had a handle on things again. I just got my first credit card in many years, I had always been denied in the past. It turns out that ever since XX/XX/XXXX I've had this huge student loan sitting on my credit report when it shouldn't have been. And I never even realized it. 

I would really like to get some help with XXXX  school, so currently this being on my credit report is a problem. I've called Navient several times and their automated message recording shuts me out every time. It says something like, you've made too many attempts, and then hangs up. 

I've also filed a credit report dispute with them through XXXX. I don't really know what else to do at this point. 

God, and PS, look at that statement screenshot from XXXX ( showing the same loan that Navient ( under the name XXXX XXXX ) is reporting as deliquent ). It shows the same original loan amount and the amount of interest I have now. Is {$20000.00} in interest normal? XXXX.
On XX/XX/XXXX, I placed a fraud alert on with XXXX and obtained a credit report. I discovered that several entities that I do not have accounts with obtained my person information and conducted unauthorized credit inquiries with the credit reporting agency XXXX. Discover Financial Services conducted unauthorized inquiries on XX/XX/XXXX and XX/XX/XXXX.
Calling XXXX a day for well over a month and leaves blank voicemails most of the time. I sent a certified letter asking for proof of the debt and to stop ALL communications until this has been done. So far that letter has been completely ignored which is why I am contacting you. They are not only calling me, but also other people that I know which have nothing to do with anything loan related.
I took out a business loan for some XXXX  equipment back in 2014. I unfortunately had to move the business to Wisconsin and the business failed. I kept making my monthly payments until some issues came up and I informed them I would be missing about four payments. Even though I informed them ahead of time, they chose to send my account to collections with Benuck and Rainey. For three years, I made my agreed upon payments, on time, bi-weekly, for the agreed to amount. I made every payment and made every payment on time. I attempted numerous times to get XXXX XXXX XXXX via Benuck and Rainey to settle for large amounts but they declined every attempt. I still kept making all my payments and making them on time and for the agreed to amount. I recently found on a credit report that even while I made all my payments and made them on time, XXXX XXXX  was reporting to the credit agencies both delinquent and non-pay every month with NO NOTIFICATION TO ME and while still taking my payments and denying all my settlement offers. I now have paid 7 times what the equipment was originally worth.
I requested that this company send validation of my SSN and are how obtain. the company have not responded to my request instead sending a letter stating that they are threatning to put this on my credit file. The company should be able to support the validation of the method of them obtaining vital information.
I saw it on my credit report so i called the collection agency. On the phone i gave them my name and the amount of the debt. The woman replied with a last XXXX which was not mine and an old address which i moved from about 7 years ago. she also said the account was from 4 years ago. This is all looking very strange to me so i ask her for any information about the company in which she could only give me an account number and XXXX extensions.
My wife and I purchased a home in XX/XX/2017 using a VA loan ( we are both former XXXX XXXX XXXX ) through XXXX XXXX XXXX. At some point, the mortgage was sold by XXXX to XXXX XXXX XXXX. As per our agreement with XXXX, we payed into an escrow account every month, and from that, the mortgage company payed down our primary on the loan, the taxes on the property, and the Homeowner 's Insurance with our chosen insurance provider, USAA. In XXXX, we were contacted by USAA, who informed us that we were behind on our insurance payments. We were confused, seeing as how it all comes out of the escrow account. My wife contacted XXXX several times to resolve the issue. In order to ensure coverage with USAA, my wife made a direct payment to USAA of {$340.00} on XX/XX/XXXX. She was contacted again in XXXX by USAA, who said that we were again behind. She tried to resolve the situation with XXXX for months, and in XXXX she finally got everything squared away, and XXXX told her that they would send a check to USAA. On XX/XX/XXXX we got a letter from USAA in regard to a refund check that they had sent to XXXX. Apparently, XXXX sent the payment late, as USAA said that they did not receive a payment from them until XX/XX/XXXX. By the time it got to USAA, the account was closed. Since the account was closed, they sent the check to XXXX, since they thought that XXXX was still the Mortgage holder. XXXX then sent the check back to USAA, since they no longer had the account. When USAA got the check back, they forwarded us the message from XXXX, which prompted my wife to call USAA for clarification. USAA then informed her that our policy was canceled due to nonpayment. Unbeknownst to us, we hadn't had homeowner 's insurance for almost a month! To remedy this, we payed the balance of {$640.00} to USAA, and requested to renew the policy. We were informed that since the policy was canceled, our monthly rate would now be {$270.00} per month, when it was {$180.00} per month before.
This bill should not have been given to me. 
This was fraudulent activity that was done, and billed to the incorrect person. 
When dealing with this before, it was removed several months ago ( {$640.00} ). 
Now, it is back on my credit report and this is stopping me from closing on a home. 
This bill does not belong to me. I am very very upset. This is not fair for someone who works hard, pays taxes, and pays bills all of the time.
I work for a company that has a debt collector calling them. I answer the phone here and do not have anything to do with the companys debt. The debt is from 2013 and I was not with the company. They refuse to take my name off of the debt and threaten to take action on me and not the company because the company who gave them the debt to collect gave them my name. They have my name because I answer the phone. They call here everyday harassing me at work asking for me. the person who owns or sponsors the company is out on business and not available to contact them. Calls are continuous and are harassing.
this person called me repeatedly throughout the day on both cell phone and work phone for multiple days. When I called them back she accused me of harassing them because my phone cut out and I had to call them twice. The lady screamed at me on the phone, and was abusive toward me. When I told her she was being rude to me she said that I was just trying to talk over her she kept yelling at me over and over would let me get a word in edgewise and finally hung up on me without taking payment. Her final words to me where " call back when you decide to pay your bills ''. I 've never dealt with someone so vitriolic before- I 'm still shaking.
RE : XXXX partial account # XXXX XXXX XXXX XXXX has deliberately manipulated records, particularly the date of last activity and misrepresented this account in a scheme to blackmail me into paying them over {$1300.00}. 

The above mentioned account is an old Capital One credit card which was closed due to fraud back in XX/XX/XXXX with the date of last activity of XX/XX/XXXX of XX/XX/XXXX. Michigan Statute of limitations to collect on this type of debt is 6 years. This debt is now over 8 years old. 

I have written XXXX XXXX twice requesting all records and accounting on this alleged debt and informed them this debt does not belong to me. My most recent letter was dated XX/XX/XXXX. 

XXXX XXXX has refused to provide those records and alternately become more aggressive trying to collect. 

I will prove that XXXX XXXX has been engaged in fraud against consumers for years. 
I will prove XXXX XXXX intent is to commit fraud on consumers by willfully manipulating records and refusing to provide consumers with those actual records as part of their long standing scheme to misrepresent facts and mislead the courts, the credit bureaus and consumers for their own profit. 

XXXX XXXX has also provided untruthful statements to XXXX, XXXX & XXXX in a premeditated scheme to manipulate the Credit Bureaus into reporting this unlawful and uncollectable debt to my credit reports. 

These and other willful schemes of XXXX XXXX has caused actual damages to me and my family. I have been turned down for auto loans by XXXX XXXX, XXXX XXXX, XXXX XXXX, Capital One auto finance and XXXX XXXX XXXX on XX/XX/XXXX, my insurance rates have increased by 100 %, I have been turned down for credit with banks and turned down by a landlord. 

I am filing a small claims suit because it is the fastest way to get a court hearing. Otherwise, I would be filing a civil claim in State and/or Federal court. 

Through my research, it seems XXXX XXXX has a history of manipulating records and attempting to collect on debts they have no legal right to collect. 

I have requested records of this debt and XXXX XXXX has refused to provide those records in an attempt to conceal the facts that this account is more than 8 years past since the date of last activity.
First off ... the balance being reported as of today, XXXX with all three credit bureaus is incorrect. It states my balance is : Real Estate USAA/XXXX MORTGAGE Last reported : XX/XX/2018 - {$120000.00} You stated on the response to my complaint : For your records, we are confirming that your principle mortgage balance as of XX/XX/2018, was {$120000.00}. 

*This needs to also be fixed with all the credit bureaus. 

I was to receive an email first regarding the information found by XXXX XXXX after speaking to him on the phone. He advised me that he would CALL me back.

Per all three credit bureaus ... they can not change my credit score per my VA mortgage loan through XXXX. This was told to me on the phone several times with the credit bureaus. Freezing nor not reporting after a complaint is a direct violation and shows once again ... retaliation on part of XXXX since this complaint is directed to XXXX, not USAA. I have never heard of such a thing, yet only a handful of payments have been reported since opening my VA mortgage loan. 

Per letter from USAA the final payments had been paid by USAA as a means to close the forbearance loan. This after USAA representative, XXXX XXXX misguided me and in turn, USAA did find XXXX XXXX XXXX negligent. I was also told that my payments would then start reflecting on my credit per month as I have been paying per month, that also included my credit score. I only show 4 payments ... most recent payment for XX/XX/2018 being shown per all three credit bureaus. I do not see one time any increase within my credit score on a VA loan that I have continued to pay monthly.

A mortgage loan should be one of the most single loans that can help increase your credit score. I have paid my payments on time ... yet it does not reflect any points per all three credit bureaus. This would appear to anyone to look as if I am in a rental ... no reflection of helping my credit at all. 

Retaliating against a Veteran .... when filing a complaint, ANY COMPLAINT, should be known to all those who hold a loan with XXXX, as well if connected with USAA. 
BUYER BEWARE! 

I will continue my complaints until this gets resolved. You may also want to contact each credit bureau on how reporting increases within each loan for consumer credit score works as they advised me on several occasions that the only ones who can  change credit scores is the reporting creditor. On my VA mortgage loan that would be XXXX or USAA. 

It did not take, but less than 24-hours for XXXX to fill out a form and submit to have my VA mortgage loan information corrected. Retaliation by you stating you will freeze any reporting for 2 months by my complaints to the CFPB is just that ... another retaliation. 

The next complaint will clearly show you the correct way that creditors report monthly payments. As XXXX XXXX has done with my loan for years. 

Sincerely, XXXX XXXX 17 year XXXX Veteran
On XXXX XXXX of XXXX, according to Discover, I took out a education loan. In XXXX of XXXX after becoming delinquent on my account I paid Discover off. Discover is currently reporting XXXX education loans originating on the same day. Both loans are being reported as negative accounts on my credit report. I have informed Discover that they are duplicate accounts, but Discover refuses to remove the information from my credit report.
Capital One restricted my account because they said my ssn is invalid. I had already verified my ssn with them once before. They refuse to let me withdraw my money out of the account. I have XXXX in the account I asked them to close the account because I didn't want to deal with the extra hassle. They refuse to send me the money in a timely form.