WillisBack/dataset-financial-user-claim huggingface dataset:
1. REGISTER LETTER NUMBER ( S ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

( A ) SERVICED ON THE ENTITY : TRANS UNION ; XXXX XXXX XXXX XXXX XXXX  PA XXXX.

2. CERTIFICATE AND PROOF OF SERVICE ACCOUNT TRACKING NUMBER ( S ) XXXX ... XXXX   ...

( A ) ENCLOSURES : NOTICE OF RESCISSION ; AFFIDAVIT OF FORGERY ; LOAN DEBT VALIDATION REQUEST ; NOTICE TO CURE 3. REPORTING AGENCY HAS DEFAULTED ON ANSWERING THE VALIDATION DEMANDS AND THEREFORE MUST REMOVE THE MISTAKE FROM THE RECORD.

4. THIS ERROR IS AN INJURY AND TRESPASS ON THE HOLDERS CREDIT INTERESTS. WE REQUIRE A REMEDY.

5. ALL CLAIMS ARE REGISTERED, CERTIFIED, AND TENDERED TO ALL PARTIES INCLUDING FEDERAL AND STATE AND MUNICIPAL PUBLIC/COMMERCIAL EMPLOYEES -- - CORPORATE STATE OF CALIFORNIA.

4 ( A ) PLEASE SEE THE ATTACHED DOCUMENT : RETURN_RECEIPT. 6.
KNOW THAT ... THE ATTACHED CERTIFICATES AND PROOF OF SERVICE ARE EVIDENCE OF CLAIMS FILED.

7. NO PERSON/MAN/WOMAN HAS PROVEN THE LOAN AGREEMENT.

8. WE REQUIRE DISCHARGE AND DISPOSAL BECAUSE THE LOAN IN QUESTION IS CAUSING A FALSE AND INJURIOUS REPORT ON THE PERSON AND THE HOLDER 'S RIGHT IN INTERESTS.

9. UNDER PENALTY OF PERJURY ; WITHOUT PREJUDICE ; ELECTRONIC SIGNATURE BY HOLDER/OWNER OF NAME : XXXX XXXX XXXX, ALL RIGHTS RESERVED WITHOUT RECOURSE.

10. NOTICE U.S. CODE : TRUTH IN LENDING ACT -- 5.1635. Right of rescission as to certain transactions. ( a ) Disclosure of obligor 's right to rescind a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. ( b ) Return of money or property following rescission. When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission.
I have no idea what this debt is there has been no debt valadation letter sent no communication from these people. I had items removed from my credit report a couple of years ago from a different named debt collector but same address. Tried to call agents very rude no mini meranda was stated and threatened they would tell my employer, they could not verify a address I ever had I never even lived in the state they had of record.
I have tried 3 times to get someone to assist me with my questions and concerns with my escrow account. Stearns Lending LLC has failed with my email request as well as my phone conversation that I 've attempted twice. Customer service gives me the run around and states that the information about my escrow account can be found on their website. I want to have my escrow account reanalyzed for the current year, as i feel there is a significant overage. Ive attempted this request three times with no response or resolution.
Collection Bureaus of America has this on my credit reports and is trying to collect for XXXX XXXX ( please see attached ). 
I never had an account with XXXX AND I NEVER lived at the service address listed!!
I can not get my free annualcreditreport even though I send in the correct information. I have been denied. I tried by phone and the response to my information recorded was unlegible I could not understand the recording I had made and I was not able to get an agent or operator on the call. I Went online and was denied my annualcreditreport and I am seeking information on how I can get this report from all XXXX credit reporting company 's. By the free annualcreditreport.com which I believed to be associated with the United States Government under Federal Government approval.
I CONTACTED XXXX EQUIFAX AND XXXX   about them having my updated balances incorrectly reported on my XXXX  account. I will attach documents to show they are falsifying updated balances on my report and my AU 's report for this same XXXX  account. And EQUIFAX UPDATED AND POSTED THIS FALSE INFORMATION KNOWING ITS A FEDERAL CRIME THAT CARRIES A VERY HEALTHY FINE AND COULD LEAD TO CRIMINAL CHARGES. My reported update balances are the XXXX  of every month.
I have a collections on my report from IC SYSTEMS. This collection has been paid in full and IC SYSTEMS SAID they would contact the bureaus XXXX and XXXX and have it deleted. It has not been deleted. I know it does not take 30-60 days to submit this request. Because it didnt take that long to put it on my report. I want this remove immediately. It is messing up my credit file.
Transunion, XXXX, And XXXX all have police and identity theft reports and when an item disputed they refuse tobacco within 48hrs
XXXX XXXX XXXX , XXXX unauthorized use of my name account unknown verification or debt and original proof provided
I have filed numerous disputes with the credit bureaus, XXXX, Experian, and XXXX XXXX, and each are coming back with the same stall tactic and not doing anything that is required by law when a consumer requests. I have repeatedly asked for documentation of proof showing that they verified each account, and asked for the person or persons name that they spoke to, and still nothing. Just the same old generic letter.
Honda Financial states that because payments online were late that as company policy that they no longer allow access to those customers to make their payment through their online portal for 12 months. 

I asked for a manager to restore my online access to pay and I also inquired where in my contract did they advise me about this discriminatory treatment for certain customers and not others to make their payments online. 

I inquired as to the legality of that decision to lock customers out of their online payment system and where in the contract that I signed am I warned that the policy of the company is to discriminated against as a late paying customers and force them to pay in addition to the fees that are usurious in excess of {$1800.00} of late fees that have been charged onto this account. Now i am being forced to pay an addition $ 4-12 to make payments using XXXX XXXX This company needs to be sued in a class action for blocking only certain customers but not all customers from using the online system to manage their account payment portal. it is a deliberate manner of rejecting customer payments and making the company charge additional fees onto certain customers
the caller stated that he has made several attempts to contact me and that I need to call him back asap or legal actions will take place against me.
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.
Back in XX/XX/XXXX I mailed a written letter to XXXX and asked to be permanently opted out, because I was receiving unsolicited mail from CapitalOne. However, today XX/XX/XXXX, I  received yet another offer from Capital One for their credit card. What do I have to do to get these predators to stop harassing me?
XXXX XXXX XXXX Account number XXXX ... keeps reporting a balance of {$27000.00} as of XX/XX/2018 on the auto loan that was paid in full to them years ago. At the time of the sale of the vehicle I was told that a total of {$24000.00} was recovered and no money was due from me ... Now I come to find out they reported a balance on my credit report.. I attempted to contact XXXX who sent me 2 letters back to back ( computer generated response very simply ) stating they validated this debt and contract was sent to me which was a lie. Now all of a sudden I started to receive calls from them at XXXX and XXXX on daily basis as an " attempt to collect debt '' and threatening to arrest me for an unpaid balance or send a sheriff to my employment ... This is ridiculous and should not be a legal practice for collection of the amount that is not owned in first place ...
I am a party to Experian Data Breach Class Action, Claim # XXXX. I am a DIRECT victim of Experian Data Breach and have nine ( 9 ) HARD INQUIRIES that I dont recognize. I have spoken with Experian with no help from Experian. I noticed the hard inquiries that I do not recognize and I am supposed to be protected by Sec 611 Fair Credit Reporting Act with 5 day notification letter of reinsertion of data on my credit report which never happened. I will list the HARD INQUIRIES : and Date of inquiy : ( # 1 ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX, date XX/XX/XXXX, ( # 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, date XX/XX/XXXX, ( # 3 ) XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, OH XXXX date XX/XX/XXXX. 
( # 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX   date of inquiry XX/XX/XXXX, ( # 5 ) XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX, date of inquiry XX/XX/XXXX, ( # 6 ) XXXX XXXX   Unspecified inquiry date XX/XX/XXXX, ( # 7 ) XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX UT XXXX, date inquiry XX/XX/XXXX, ( # 8 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, date of inquiry XX/XX/XXXX ( # 9 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX  date of inquriy XX/XX/XXXX
I dont know the debt they are speaking about and it has been disputed numerous times on my credit report they continue to use scare tactics and now have started calling my employer from what I can see the debt is over 7 years old and they cant and wont provide any information. I am currently working with a company to resolve these types of issues and now they have started to contact my employer.
On XXXX separate out of the United States traveling vacations my credit card company has declined purchases with my credit card, even though they were verbally told and also giving instructions on their online website that I would be doing so including the dates and the countries. I am currently in XXXX and advised the credit card company before leaving of my dates when I would leave when I would return and while I am here they declined my credit card and re-issued another credit card to be sent to my home address in the United States. Since I am still on the XXXX vacation, and they invalidated the credit card I can not use it and it becomes useless to me. I found them and told them I was still in XXXX that they had all the information that I would still be here and basically their answer was sorry I ca n't help you. I have documentation to the fact that I have advised him before about this problem and they said that they would correct it and take care of it yet it seems to me that situation continues and if anything gets worse.
I have repeatedly told navient representatives that I am XXXX and student loans are deferred while XXXX. I am enrolled at least half time, but they will not stop calling. They call at all hours and do not immediately tell me who they are. I have also requested multiple times that they not contact me while I 'm XXXX, but they refused.
XXXX made an error on my credit report which has put a stop on my home loan. Due to this negative report I paid the account in full XXXX 2016 but they charged me a fee in error and reported as negative. I have tried to get them to remove this charge after several attempts They are saying it takes 30-45 days ... I feel that if took them 1 day to damage my credit it should take 1 day to correct their error. They admit to the error but refuse to correct my credit asap. Please help me resolve this matter
XXXX XXXX - Purchased XXXX items from XXXX sellers on Ebay. Checkout with Paypal funded thru Paypal Credit. Only XXXX item crossed out of cart, but received email payment confirmation from Paypal. 
XXXX XXXX - Received Unpaid item notice from Ebay. Contacted Ebay and told the issue was with Paypal. Transferred to Paypal and informed there was a " known issue ''. Assured payments were made and situation would be resolved. 
XXXX XXXX - Items remained in Ebay cart. Contacted some sellers, but Ebay limits number of emails. They have no record of transactions. Called Ebay. Told to have 3 way conversation with Paypal, but Paypal must initiate, so transferred and lft on hold for nearly 2 hours until phone battery died. Attempted email contact with Paypal. Asked them to either verify that the transactions had gone thru and the goods would ship, or refund the {$460.00} back to the credit account so that I might be able to pay off the balance and close the account. Received moronic replies. 
XXXX XXXX - Contacted Paypal after receiving emails from several sellers stating that they had no record of any transaction. Polite CSR, but essentially no help. I can not get my funds back without waiting for the merchandise that is not going to arrive to not arrive and then file a dispute and then wait for that. If I needed my merchandise before that lengthy process, I would have to reorder it and take the risk of receiving XXXX items and being responsible to ship the items back at my own cost. I inform him that I will try again with the sellers to resolve. 
XXXX XXXX - Back on the problem when I detect that Paypal has removed {$54.00} from my personal bank account for one of the sellers that I had been so reassured had been paid thru Paypal credit. This charge does not show up on my paypal account so I again contact Paypal and inform them that I have a serious problem and I need the account ( s ) resolved and closed immediately as funds are disappearing from my bank account without authorization. I was placed on hold for about 20 minutes until the line disconnected. 
Now I am begging for help. Paypal and Ebay have made a huge mess and they blame each other and neither will clean it up while they both have access to my bank accounts and credit cards and I can not get away from them.
A previous report was filed because Prestige Financial refuse to acknowledge request for loan payoff and additional request to report " loan paid in full '' once payment was received. After checking with all the bureaus ... .credit report reflects to auto loans out owing more than 40.0000.00. I request this information to be corrected immediately,
I received a title loan on XXXX XXXX of {$2200.00}. The title agency charged me an extra {$3600.00} for acquiring the loan. The loan also- had an interest rate of 118.28 %. I made over XXXX payments of {$380.00}. 
I had to file for bankruptcy due to my husband passing away and my financial status. The bankruptcy was filed on XXXX XXXX and discharged on XXXX XXXX, XXXX. The title loan agency was placed under the bankruptcy. Despite the closed out bankruptcy I continued to pay the agency. I became two months behind on XXXX XXXX and the agency came to my place of work and took my car. My son offered to bring the account current, but the agency added several thousands of dollars making it impossible for us to get my car back. Please help!
I opened a Amazon.com rewards card in 2006 which I used solely yet sparingly for Amazon purchases. I accrued {$66.00} in rewards and yesterday went about to redeem the rewards online. I was shown that I do indeed have {$66.00} in rewards but that my credit card account had been closed unbeknownst to be and to call customer service. I called to inquire and spoke to a supervisor who informed me that my account had been closed by them automatically. I never received proper notification that the account was being closed nor did I want the account closed. I was informed that because the account was closed I could no longer redeem the rewards that I earned. I feel that I should be mailed a check for the amount of rewards as it was their choice to close my account not mine and I did not receive proper notification. I feel there is no valid reason earned rewards should be retained by Chase and they should benefit from closing my account without my permission.
I notified XXXX  ( XX/XX/2018 ), Equifax ( XX/XX/2018 ), and XXXX ( XX/XX/2018 ) of inquiries that I did not authorize. I requested verification of these inquiries. Each Reporting Agency responded by giving me the definition of inquires as if I was asking for information pertaining to it. I am seeking for proof of my authorization for these companies to report these inquiries. This is effecting my ability to obtain credit.
I have been going back and forth for several months with disputes with XXXX regarding my 2 accounts with XXXX   which are both being reported inaccurately.  OnXX/XX/2018 I submitted an online dispute with XXXX, XXXX XXXX XXXX XXXX, GA XXXX for both of my accounts with XXXX   requesting an investigation into the matter.  I stated to them that the XXXX accounts were being inaccurately reported.  Although in this latest dispute and my request for written verification per the FCRA, XXXX is still listing both of the accounts as being 120 days late.  They are still stating that the accounts are verified and accurate without providing me with the proof I requested on XX/XX/2018.  Both accounts were paid in full and transferred so how can they be 120 days late?  Why does XXXX refuse to provide me with the written verification?  All they are doing is prolonging this action plus causing unnecessary negative marks on my credit report.
I contacted them to work on a resolution, and at that time advised them the only number to reach me at was my personal number, which they had, and asked them to remove a XXXX party 's phone number, which they verified was removed. The following day they called that same number they said they would n't..
I was given a promotional offer for XXXX 2014 that I would receive 5 % cashback on all Theme Park purchases. I was traveling to XXXX XXXX so I used this card for all of my purchases inside of the Theme Parks. After I received my statement from the card I noticed that none of the purchases were given 5 % cashback, even though they were inside of the most well known Theme Park in the world. 

This apparently was due to the transactional coding that the merchant establishes. I contacted Citi-Cards XXXX times to resolve this but they would not offer any sort of compensation for this clear false advertisement.
Security National Mortgage Company personnel were not honest throughout my process. I am in the process of seeking another lender because they decided to disqualify my loan due to paperwork from my student loan not stating what they desired. 

In the process, I purchased an appraisal and requested that I receive a copy of it. They keep stating it is in review after the appraiser completed it over a week ago. There should not be a review if the loan is already disqualified. 

I would love to completely cut ties by receiving the appraisal I specifically paid for and move on with my life. I also feel that others should be warned of this company and its personnel.
After I submitted my IBR annual re-certification with FedLoan Servicing, my monthly payment was reconfigured and raised to higher amount, due to my increased income. After two months of continuing my automatic monthly payments, I noticed on my XXXX XXXX, 2017 bill, that I was being " direct debited '' the same amount again {$590.00}, but that my current payment due was only {$110.00}. I went back and noticed several months of statements that stated this.
I called Fed Loan Serving before my XXXX XXXX, 2017 bill was due to inquire about the difference in numbers. The agent told me that I had overpaid in XX/XX/XXXXand that I only needed to pay the {$110.00} for the month of XX/XX/XXXXand would stay in good standing and the payment would qualify for PSLF. I double checked with the agent to ensure this was the case, which he again informed me of these facts. I asked the agent to turn off my monthly automatic debit payment for the month and informed him that I would turn it back on after XX/XX/XXXXso that the account would be back to monthly automatic payments, qualifying me for the monthly interest deduction again. After ending the conversation with the agent, I made my payment online for the {$110.00} payment due.
On XXXX XXXX, 2017 I received an electronic notification that my account was past due and now delinquent. I called on XXXX XXXX, 2017 at XXXX to inquire about the status. The agent told me that the statement was not correct and that what was actually " due '' each month is the direct debit amount, not the " current payment due '' amount. I explained the situation twice with her that I had called and asked about it, to which she agreed that I had in fact called and received that information. She verified I had been overpaying since XXXX  2017 and that I " could '' pay the {$110.00}, but that she would have to " put in a request for that payment to be applied to the XX/XX/XXXX billing statement and bring your account into good standing '' but that " the payment would not qualify for PSLF '' because it was n't the amount of the " direct debit ''. I explained that this is not what the bill stated and that it was misinformation that was either told to me by the previous agent or that the billing statements are purposefully misstated. She apologized by refused to acknowledged that one or the other piece of information was incorrect or misstated.
I explained that I would be filling a CFBP complaint about this, as it seems to be a much bigger problem in how billing statements are created across many student accounts and thus would be hurting credit reports, loan standings, etc. She stopped apologizing and agreed to 1 ) put in the request and that it would be reviewed in 2-3 business days, and 2 ) restart my automatic monthly direct debit. I got her name, XXXX, and her ID - XXXX.
Please look into Fed Loan Servicing as this is probably a much bigger issues with billing statements for all students they serve by stating incorrect information on student bills in a way that purposefully misleads students into making overpayments or to cause delinquency when it probably should n't have happened.
After 8 years of holding my credit card at BECU, something happened to get my card removed from auto-pay status. I received no letters or messages of any kind to inform me of this or the resulting late payment fees and eventual closure of my account. This happened over the course of only 2 months between XXXX and attempts to work it out with the bank have gone no where. I 'm not sure what I can do here, but I figured these kinds of shady practices needed to be reported somewhere.