WillisBack/dataset-financial-user-claim huggingface dataset:
ON MY XXXX AND TRANSUNION CREDIT REPORTS : I have a fraudulent account, original creditor XXXX XXXX acct no XXXX. 
I have never ordered any product or service from this company.This account should be deleted for error of the creditor or someone has misused my information.I have NEVER received any merchandise from this company.
OnXX/XX/XXXX I had a Chapter XXXX Bankruptcy discharged. <P/>XXXX XXXX was included in this bankruptcy discharge, and should NOT be reporting ANY negative information on my credit reports. <P/>XXXX : XXXX XXXX listed as an " adverse account XXXX XXXX : XXXX XXXX listed as a " Negative '' in XX/XX/XXXX Equifax report : XXXX XXXX XX/XX/XXXX " date of 1st delinquency, '' XX/XX/XXXX " Date major delinquency 1st Rptd '' On XX/XX/XXXX I  contacted XXXX XXXX XXXX and Equifax credit reporting agencies. The agencies acted clueless as to why XXXX XXXX is showing negative on the credit reports. On XX/XX/XXXX I  contacted XXXX XXXX whom said they would open up an investigation regarding the negative reports. <P/>I have also been told by my banker that XXXX XXXX is reporting a late payment from five years ago.
I have been paying off my college loan for 21 years. My balance was initially XXXX. It is or should now be {$6300.00}. but Navient capitalized another {$3300.00}. or XXXX % increase on top of the principal. Raising the balance to {$9600.00}. something. I am at the library left the bill at home so the figures are rounded off. I asked them about a month ago to explain how they applied the interest for capitalization. In the literature they advertise to potential students even at this moment is a complete lie. They say that capitalization occurs at the same rate as the interest you have on your loan. Then how come it comes out at XXXX % when the most level of interest on my loans is XXXX or as they put it 3.45 %. I read almost all of the complaint, well really about half of the XXXX complaints in your database, from XX/XX/XXXX back to XX/XX/XXXX and it was about XXXX per day. Just think of it that is just the tip of the iceberg. Because there are probably many other financial victims suffering this abuse in silence. Please help right this wrong. I think I can also contact my Assistant District Attorney in XXXX XXXX CA. As they handle consumer complaints and fraud very effectively. 
Can you help me?
I have ask the company to remove wrong name in adderss wrote of my credit file, this is the only company that is still report me with multiple names in address, have send in supporting document with my name in also address correct,
I wired via XXXX XXXX euros to Coinbase on the XX/XX/XXXX17 from XXXX All account details were correct. I have now sent Coinbase 4 messages to either have the fund created my coinbase account and more latterly to have them returned to XXXX. I have not recieved a response from Coinbase. Funds are usual created within 3 days - this transaction has now taken 8 days. I would very appreciate your help to have the funds returned to XXXX as soon as possible.
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the Equifax, XXXX  and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX/XXXX XXXX XXXX, account number XXXX 6. ) XXXX, account number XXXX ; 7. ) XXXX XXXX, account number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of  the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
My loan began  XXXX   XXXX  with a 42 month term at {$420.00} per month. They were harassing via telephone for late payments, called several family members telling them what was going on and asked to relay messages ... on top of that.. my loan matured almost  2 two  years ago. Im still paying for the insanely ridoculous interest amounts and get over fees. My original loan amount was a little over {$13000.00}  ..  as of  XXXX   XXXX  I have paid over {$25000.00} plus another year of late and high interest payments resulting in them getting more than double of my original loan amount. I am completely dismayed at the inhumane fees assoociated. As I am quite sure, I am NOT the only client of C.P.S. that has been/is a victim to these scammers. I pray no  one  else fall victim.
Received credit report from Experian XXXX for XX/XX/XXXX. 

Inquiry was made by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. No phone number was given. 

Letter sent XX/XX/XXXX to the company requesting why they obtained my credit report. The company has not responded. 

I do not recognize this company.
1.XXXX reported that my bill was paid as a charge -off, fixed rate. The date stated opened on XX/XX/XXXX ; date of last payment as XX/XX/XXXX. To the contrary, I paid the entire bill amount I owed, so IT WAS NOT A CHARGE-OFF. 
2.XXXX stated XXXX XXXX XXXX XXXX was owed {$160.00} on XX/XX/XXXX. The status showed D-Unpaid. I paid the bill in full for medical/health care. 3.XXXX XXXX XXXX was paid {$980.00}. Date assigned XX/XX/XXXX ; status D-Unpaid
XXXX credit reporting a " charge off '' account ( {$32000.00} limit ) on my credit report for a credit card that does not belong to me. I was only an authorized user on this account. I have repeatedly asked that this be removed from my credit report.
This letter is a formal complaint that Fedloan Serving is erroneously reporting derogatory late payment-history information regarding my student loans which they service, to the XXXX major credit reporting agencies : XXXX, XXXX, and XXXX. These negative entries are having an adverse effect on the ability to obtain credit under favorable terms and/or denial of credit. These accounts were included in a forbearance granted by Fed Loan Servicing in XXXX. The forbearance means that no payments are due and therefore no payments could be late. 

Attached is a copy of a letter that I received from Fed Loan Servicing outlining the details of my forbearance from XXXX. 

Attached is a letter sent to Fed Loan Servicing, requesting that they remove all late payments. Fed Loan Servicing maintains that they are reporting accurate credit information to all XXXX major credit agencies, an assertion that I dispute. 

Fed Loan Servicing, in a written statement ( attached ), has further asserted that periods of forbearance do not remove accurate reporting of previous delinquencies, if any to the consumer reporting agencies. This stance is in direct conflict with the XXXX XXXX to XXXX XXXX XXXX, Office of the General Counsel, U.S. Department of Education, dated XXXX/XXXX/XXXX, as issued by XXXX XXXX, United States Federal Trade Commission. This opinion, attached to this dispute concerns the applicability of the Fair Credit Reporting Act ( FCRA ) to the reporting of additional information to credit bureaus about defaulted student loans. It states, " [ The duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ] extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at XXXX point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. '' Therefore, Fed Loan Servicing has a legal requirement, under the provisions of the FCRA, to remove the late-payment entries being made to the credit reporting agencies for the above-referenced time frame, since the affected loans were not delinquent, but whose terms were satisfactorily satisfied through the proper application of in-school payment deferment and/or forbearance. 

I 'm requesting removal of all late payment information from these accounts immediately. Continued inclusion of this erroneous late payment information places Fed Loan Servicing in violation of Fair Credit Reporting Act.
Volkwagen XXXX XXXX and Volkwagen Credit, made an improper " hard '' credit inquiry in 2014 resulting in subsequent adverse credit decisions including denial of credit or higher interest rates. I authorized XXXX inquiry during an application of the lease of a vehicle. I contacted the reporting credit bureaus who referred me to Volkswagen Credit and its agent, Volkswagen XXXX XXXX. To date, only Volkswagen Credit responded and refuses to remove the inaccurate data. I do not dispute that I applied for the loan and authorized a credit inquiry. The dispute is about the number and timing of the other unauthorized inquiry.
I have been receiving phone calls from a company called PCB about a medical bill from a year ago. What 's alarming to me is I have yet to receive a detailed statement, as this was from XXXX year ago. 
I spoke with my previous insurance company and was informed there is no outstanding balance, and I have documentation as well. 
I 'm being intimidated by a representative named XXXX, that I have to pay my debt which I do n't have. Upon trying to get further information and explaining the situation once again, I 'm either put on hold for a long duration or they disconnect the call. 
The reps name is XXXX from PCB, and the number is ( XXXX ) XXXX
Navient re-amortizes my loan every quarter so they can keep making money from interest. When my loan started, it had payments around {$100.00} per month. I have been making separate individual extra payments and as a result my auto-debits got down to about {$30.00} a month. This should be illegal as they recalculate the payment based on amount and time remaining on the loan for the purpose to keep my loan alive as long as possible to make as much money from interest as they can.
I'm writing about a over 30 years old fraudulent student loan. I was a minor when I attended XXXX XXXX XXXX. This was a corrupt XXXX  school along with over 36,000 students, my information and signature has been copied and pasted on documentations without my authorized consent. I do not have any signed contracts with any collection agencies or loan services. I've contacted XXXX loan servicing about this fraudulent claim by certified mail on XX/XX/2018. Also, reported by CFPB XXXX is facing 4 lawsuits alleging that it harmed student loan borrowers throughout the repayment process. XXXX miscalculated payments, steered struggling borrowers toward multiple forbearance instead of income-driven repayment plans, and provided unclear information, etc ... I've contacted ALL 3 credit bureaus, XXXX has completely removed this from my credit report. However, Experian and XXXX has refused to remove this fraudulent account from my report. I've submitted them with a XXXX police report # XXXX and have contacted the FTC # XXXX as well.
On XX/XX/2017, I went to XXXX to purchase a blender. XXXX offers the option of utilizing Paypal creditl to purchase the blender interest free for 12-18 months. I applied for credit and was provided a {$3000.00} credit limit, way more than I needed. I attempted to purchase the blender and received an error. I called Paypal and talked to Security so they could verify my identity. Upon completing XXXX questions, I was told by Security that I was all set. If I have any other issues it is Paypal proper and not them because they have their own process. Again, I attempted to purchase the blender and even though I chose to use my Paypal credit account the purchase would not go through. I contacted Paypal again and was told that for security reasons, I could not use that credit until I had made other smaller purchases. Purchasing the XXXX would only utilize XXXX % of my credit line which is not a lot. Also, in the Terms and on my available credit it does not say that the whole credit line may not be available to me. I can only assume that they were trying to force me to make interest bearing payments. I asked to speak with a manager and was left on hold for 40 mins before I hung up. On XX/XX/XXXX, I again tried to understand why I could not make the purchase. After talking to XXXX different people, including XXXX managers, no insight was given and I was told I would have to use an alternative payment method. The last person I spoke to was a manager. I explained the issue and told him I thought this was deceptive as I believed they wanted me to make interest bearing purchases before using my interest free credit. I asked for my account to be closed and my information to be deleted. He responded by hanging up on me. I then tried to contact their privacy department to ask for my information to be deleted and was not provided an easy mechanism to do so.
XXXX has called my cell phone repeatedly every day for 3 consecutive  days in an attempt to collect a debt from someone unknown to me. 

I have blocked the number on my phone but they continue to call.
In lat e  XX/XX/XXXX  ( twice ) I made sure to set myself up into an income base payment plan over the phone, because I knew I would be losing my Job in  XX/XX/XXXX . They were able to defer my loan and I would be all set. Come  XX/XX/XXXX  I noticed my credit report showed that I was 90 days ( and some 120 days ) late. This was all supposed to consolidated into one loan, and deferred. I have disputed this several times with both the credit bureaus and with   XXXX   XXXX   XXXX   ( who manages the loan for   XXXX   XXXX   XXXX   ) but they will not comply or admit fault and remove the negative remarks from my credit report. I issued a summons in small claims court, but they had their lawyers move it to Federal court -- -which I can not afford an attorney to handle in Federal ( they knew what they we re doing ). All I want is for them to do the right thing and remove the negative remarks off my credit. I have a job now, and intend on paying my loans back, but because of my job loss, I had to eat away at my savings, and dipped into my credit cards. I 'm stuck and struggling to get by now.
I RECEIVED A LETTER IN THE MAIL STATING THAT I OWED DIVERSIFIED CONSULTANT {$630.00} AROUND MONDAY, XX/XX/XXXX I DO NOT BELIEVE I OWED ANY DEBT TO DIVERSIFIED CONSULTANT, SO UPON RECEIVING THE LETTER I SENT A DEBT VALIDATION LETTER ON XX/XX/XXXX ( VIA CERTIFIED MAIL ) AND THEY RECEIVED MY LETTER ON MONDAY, XX/XX/XXXX ON WEDNESDAY XX/XX/XXXX THEY SENT ME THE SAME DOCUMENTS ( WITH NO WRITTEN  SIGNATURES OR E-SIGNATURES SIGNED BY MYSELF ) OF AN OLD BILL STATING THEY HAD THE RIGHT TO COLLECT.
I have a Traditional and Roth IRAs money market accounts with Ally Bank. I 'm in the process of trying to transfer those funds between XXXX other FDIC insured banks so that all of my IRA money will be Federally insured. I signed, dated, and mailed the " IRA Transfer Requests '' applications from these XXXX banks to them. XXXX of the banks in turn submitted this signed request form to Ally Bank to start the process of transferring the money into the new Tranditional and Roth IRA money market account. However, a representative from Ally Bank called to inform me that the requests to transfer the money had been denied. When I asked Ally Bank why the transfer was denied, they informed me that my signature was not notarized by a notary public with a notary stamp. She said anyone could signed a transfer document. I told her that I had signed it and that I was giving her verbal authorization to make the transfer. I told her that she had asked me at least XXXX security questions to verify that I was the owner of the account in questions before we began the discussion of my IRA. There is no logic why after successfully answering the security questions that Ally Bank refused to accept my verbal acknowledgement that I ( the owner of the IRA accounts ) legitimently requested the transfer. The Ally Bank representative agreed with me but said the notary public notarization was their procedure. So I reprinted and filled out the Transfer Requests for a second time and had them notarized and signed by a notary public. I called Ally Bank bank to let them know that I uploaded a copy of the new " Transfer Request '' forms to my new bank and that they would send them the new transfer request. It was from this XXXX discussion that I was told that these requests would also be denied because they were uploaded copies and not the original forms. These kind of onerous rules have no place for an online bank who touts the ease of their software to fill an individuals banking needs. At the very least when I was initially informed that my transfer request was denied, I should have been emailed the precise requirements that needed to be performed to submitt successful transfer form. Instead I accidentally stumbled across the requirement that the transfer request forms had to be the original ones. At the most, when I call Ally Bank and successfully answer all the security questions but then still can not direct how my accounts are to be handled goes counter to having an online bank account. This is wrong and in my opinion over kill when the owner of an account can not call Ally directly to direct how their account is to be handled.
I ask Experian to remove to accounts from XXXX XXXX account number XXXX and XXXX XXXX XXXX account number XXXX. These are the same accounts. XXXX XXXX XXXX has been reporting on my credit report since XX/XX/XXXX and XXXX XXXX XXXX has been reporting since XX/XX/XXXX. I never paid anything on either account and the accounts have been on my credit report exceeding 10 years. If you request payment history, there is none which means that the accounts will be eligible for deletion from the last payment date up to several years and these accounts have been on my credit reports exceeding the seven year deletion period. XXXX and XXXX XXXX are fraudulent reporting to keep on my credit report but however I know and even more so, Experian knows that is against the law, FCRA. I am again requesting the immediate deletion of the accounts from my report.
XXXX XXXX Representative, XXXX XXXX, has been making harassing phone calls to my co-workers, supervisor, and myself at work. I have sent two cease and desist letters in regards to the harassing phone calls and asking XXXX XXXX representatives only to contact me by mail. Additionally, I have a receipt from USPS certified mail detailing they received the cease and desist letter. I was out from work when my supervisor contacted me on XX/XX/18 stating XXXX XXXX had been calling and leaving messages with my co-workers in regards to my student loan. I received another call from XXXX   XXXX on XX/XX/18, where I told him not to call me at my job, and hung up the phone. I am within my legal right to have all correspondence be through mail, but XXXX XXXX refuses to cooperate with the law and cease harassing me. Additionally, XXXX XXXX refuses to contact me with any detailed information in regards to my account by mail. However, XXXX XXXX 's representatives are all too willing to share my personal information with co-workers, supervisors, and unauthorized family and friends.
This is XXXX XXXX and i never had an address at this XXXX XXXX XXXX my mother lived there and used my information illegally
We deeded the XXXX house to my daughter XXXX XXXX in XXXX retaining a life estate. She received a XXXX $ mortgage in XXXX XXXX. Our names were handwritten and added to the mortgage and we signed as life tenants not borrowers. It is my understanding that life tenants ca n't apply for s mortgage. We never signed as borrowers as indicated on mortgage. Also XXXX was never in our house as we testified to. Attachment That mortgage was satisfied in XXXX XXXX. Attachment It no longer exists on the recorded county registry. 
XXXX XXXX then received a XXXX $ mortgage attachment which we were not aware of nor signed this mortgage. This is the now the recorded loan, not the XXXX $ .attachment We went through foreclosure mediation with an attorney and it was denied. Indy Mac became XXXX XXXX now it is Ocwen. Ocwen refused to negotiate with the XXXX $ since it was the title company 's error which they admitted. 
They are now in court to take away our life estate with the XXXX $ loan and s judge ruled in the banks favor. We are now appealing that decision that this mortgage NOT tecorded. The regulations are in NJ statute that recorded documents can be utilized. They are using a mortgage that no longer exists. Indy Mac knew of the title company 's mistake by not researching rhe recorded deed. Attachment in order to get their money in their greed they are allowed to utilize a previous loan. We as life tenants wish to keep the house and settle to receive a loan modification to purchase the property and remain in the house. The bank knew of the recorded mortgage but chose to file s complaint against us removing our life estateso they could foreclose. Our appeal Might not be heard leaving us without s home to live in with our granddaughter. We deliberately did a life estate to prevent this from happening. SO title company off the hook and bank Pursuing illegal Options. The first mortgage we are not borrowers as they claim and the recorded loan we were not included as life tenants so that mortgage not valid either. We are left with in a difficult position as the courts have sided with the judge and our appeal might not be heard. We ca n't get a loan because the house not in our name, the title company did not orotect our interests, the borrower is not sued but we are foreclosed on with no roof ovef our head. 
The title company and bank should be held acvountable for their illegal banking practices.
On XXXX XXXX, 2013 I sent {$100.00} through Western Union located inside XXXX to XXXX XXXX XXXX in XXXX. XXXX XXXX never received the money. Upon filing a claim with Western Union I was informed by their customer service that the money was sent to XXXX by mistake and some one by the name of XXXX XXXX received the money. I was told that Western Union will launch a investigation and will refund the money back to me. In XXXX I received a letter from Western Union I was told that transfer was paid correctly. I was shocked because it clearly says on Western Union receipt that money was suppose to be sent to XXXX XXXX in XXXX. I have made numerous calls over the span of 2 years and every time I was told that mistake was made on the part of Western Union but there is no resolution. Everytime I was told that someone will get back to me. No one has called me back. Attached please see the following items. 1 ) Receipt from XXXX for {$110.00}, copy of hand written form that I completed with the name of receiver and country, receipt from western union with the name of receiver and country, letter from Western Union.