WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I hope this letter finds you doing well.      XXXX  is incorrectly reporting  XXXX  late payments across  XXXX  student loans to the credit reporting agencies, such as  XXXX  Experian, and  XXXX . During the months of  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX  of  2014 ,  XXXX  is reporting to credit reporting agencies such as  XXXX , Experian, and  XXXX , that I was late on each of my  XXXX  student loans in question.  <P/> In  2014    I was supposed to be in forbearance for temporary financial hardship. As seen by the attached document,  XXXX  granted me a retroactive forbearance in  2014  that lasted from  XXXX   2014  to the end of  XXXX   2014 .  <P/> Thus,  XXXX  is aware that I was supposed to be in forbearance, they approved said forbearance way back in  2014 , and  XXXX  has internally adjusted their records to demonstrate that I was, indeed, in forbearance from  XXXX   2014    to the end of  XXXX   2014 .  <P/> However, despite my numerous efforts to get  XXXX  to update the credit reporting agencies to remove these late payments because I was in forbearance,  XXXX  continues to refuse to updated the credit reporting agencies if these inaccurate late payments.  <P/> I have called  XXXX  to dispute these late payments, and I have supplied  XXXX  in writing that these late payments need to be removed because I was in forbearance. In addition, I have supplied  XXXX  with the FTC  Advisory Opinion  that asserts that student loan accounts need to accurately reflect current information.  <P/> Here is a copy of that  Advisory Opinion  :    XXXX   XXXX   XXXX   XXXX    XXXX  continues to report these inaccurate late payments and they continue to damage my credit by not updating the credit reporting agencies that these late payments should be removed.
XXXX   XXXX  IS A GRANT TO HELP STRUGGLING HOME OWNERS AND YOU DID NOT PARTICIPATE IN THE PROGRAM. I AM AWARE THAT YOU DID NOT HAVE TO PARTICIPATE. BY YOU NOT PARTICIPATING PUT ME AND OTHERS IN A TIGHT SITUATION FROM A STRUGGLING ECONOMY AT THAT TIME. YOU STATED THAT YOU ARE NOT GOVERNMENT SPONSORED. HOW CAN YOU NOT BE? YOU DID LOAN MONEY FOR MORTGAGES, YOU WERE A FINANCIAL INSTITUTION. SHOULD N'T YOU BE REGULATED BY THE GOVERNMENT? MOST FINANCIAL INSTITUTIONS ARE. WHAT KIND OF INSTITUTION ARE YOU? BY YOU NOT PARTICIPATING CAUSED DAMAGED TO A LOT OF PEOPLE PROBABLY, PROBABLY ESPECIALLY TO  XXXX   XXXX  AND OTHERS OF  XXXX . LIKE YOU SAID YOU DO NOT HAVE A RECORD OF ANY OF YOUR EMPLOYEES BEING RUDE, BUT THEY WERE, I DID NOT EXPECT YOU TO ACKNOWLEDGE THAT. I WAS TREATED RUDE AND GOT THE RUNAROUND. YOU DID NOT HAVE THE DECENCY TO SAY I APOLOGIZE IF YOU WERE TREATED RUDE. YOU DID CAUSE ME DAMAGE WHEN YOU SERVICED MY LOAN. I AM NOT SATISFIED WITH YOUR RESPONSE.
In early XXXX, I was contacted by the Risk Management Department of Iberia Bank informing me that my credit card had been compromised. I immediately cancelled the card and a new one was issued to me. I am fairly certain that the card was compromised at the XXXX XXXX in XXXX, XXXX since I place an order for XXXX copies of the paper and incurred a $ XXXX charge. I started to receive merchandise at my home and I contacted the XXXX County Sheriif 's Department and filed a report. The officer told me to keep the '' stuff '' and catalog the products. Several weeks later, I received an affidavit from the Risk group of XXXX and I noted that XXXX of the products I received. The bank had given me credit for all the charges, however, when I received my next statement, the XXXX items were charged to me. I made numerous calls to the XXXX and also to XXXX and spoke with a XXXX XXXX. She then escalated the problem to a person by the name of XXXX in the XXXX. After being offended by her screaming at me over the phone, I asked her what I should do. She told me to return the products to the vendors which I did. On XXXX XXXX, I faxed to her the XXXX receipts and she acknowledged on XXXX XXXX that she received the fax. She then informed that she sent it to " upper management '' for review and that she would call me on Saturday, XXXX XXXX with an update. She never called! I called her on Monday, XXXX XXXX and asked why she did n't call to which she had no answer. I then told her that I was recording the conversation. She was very pleasant on the call! However, she said once more that " upper management '' did nothing with the information and said maybe they were on vacation. She declined to give me a name or phone number for " upper management. '' I sense a great deal of APATHY within her and the department. On XXXX XXXX I spoke to a XXXX in that department and she provided me with a phone number of XXXX to contact. The number was bogus ... .some company trying to sell stuff ... .I felt that they were playing with me ... .and they were. Today, XXXX XXXX I filed a complaint with the BBB. Also, XXXX XXXX of the Sheriff 's department has not spoken with any of the vendors to get the IP address. I feel I had no choice but to escalate this to the Consumer Protection Agency.
Discovered my credit report XXXX TransUnion, Experian, and Equifax XXXX all displayed a collection amount of {$250.00} that was opened on XXXX XXXX, XXXX. Original creditor is XXXX XXXX. Having no knowledge of this account or what their service even is, I disputed this collection with all 3 bureaus in XXXX of XXXX and it has been removed from XXXX and XXXX. However, XXXX suggests the collection is indeed mine. I have never received documentation either via mail and no attempts to collect via phone either, leading me to believe that this company does not have my contact information which would suggest I have no relation to them and do not owe this debt.
To whom it may concern, I am trying to get my credit report to be 100 % accurate. I have disputed several times now with all three bureaus and with each bureau I get the infamous response of verified as accurate. I am going to attach copies of the dispute letters that I have submitted and the evidence to support what I am asking. Items such as collection accounts showing a past due on my credit report which is a violation. The date of status or date updated are inaccurate and show me that the credit bureaus aren't even conducting an investigation at all so how can they say the verified as accurate? Monthly payment due on closed accounts and late payments showing after the account was closed and still reporting. These are all violations and because of this they should be on my report. I have disputed these specific reasons and still am not getting results. I am also have a issue with XXXX and Transunion reporting my personal information inaccurately. I have provided them with the proper documentation but I still have more than one phone number listed more than one address and more than one full name listed. I should know what my information should be and look like so this shouldn't be a issue. I am also having issues with hard inquiries on my credit report that I have no open account that they could be attached to or my authorization to run my credit. I have not authorized anyone to run my credit for anything
First of all, I was invited or referred to different potential lenders/loan companies, by different matching agencies. Upon deciding to go with that lender, I 'll always try to make sure, its a preapproval type process, and the lender ( s ) would also advertise such thing! At the end of the day, mostly all my acquire lending decisions or choices were thru ; those types of lenders, that offer such renditions! In addition to that, the lenders provided the credit bureaus, info that should n't had been part of the decided factor! For instance, you ca n't make me have, a history with mortgage rates/payments, if in my lifetime I never own my home! I always, and still is in the renting business ( From landlords or apartments managers )! But, mostly all lenders uses this excuse, to disqualify or disapproval purposes, and main reason for or behind their decisions! Since, when in this Country ( USA ), this type of stuff is or became legal? Something is extremely wrong, and insane with this picture, America! Nobody or adults in the earthly realm should be punished, and discriminated against ; due to not being homeowners, and lacking that type of history involvement! This is what I would label as stupidity, garbage in/out, deception, ignorance, and insanity stuck on XXXX, and at its worst!
XXXX keeps reporting an account that is charged off and they are trying to collect on it. The original issuer sold it to them who is XXXX XXXX. Why are XXXX companies trying to collect off of the same debt. This should not be reporting on my credit report at all. It is hurting my report and Equifax has not did a thoroughly investigation.
Capital One XXXX has me as " potentially negative '' and account status as " open '' as of today 's credit report viewing of all XXXX credit reporting agencies. I have no idea how this is possible since I had closed that account years ago and never touched it again. So all XXXX are showing wrong information due to XXXX and Cap1. 

I am widow XXXX
This is my 3rd dispute against Diversified Consultant Inc ( DCI ) account number XXXX in the amount of {$460.00}. I contacted you the CFPB to get them to take this fraudalent account off my XXXX and XXXX credit reports! Well they will take it off one and put it back on another! They have not sent me any information regarding this account and my right to dispute or provided any verification of the debt belongs to me! As I stated in my previous complaints, I 've never authorized anyone to use my identity and I have lived at my current address 2 years! It says on my report that the debt was open XXXX XXXX, 2017. If it was open or closed that day, it 's not my debt to pay! 
They are playing this game that they will take it off my report and then report it again after I 've disputed it with you and the credit bureaus! They 've just recently placed it on my XXXX report after my dispute! I am willing to take farther legal actions against them and the credit bureaus because this debt is not my debt! I do n't think this is a game and it burns me up to know they are taking this as a joke!
Experian did not respond via CFPB but instead sent a personal email regarding the dispute and did not properly investigate or validate my dispute rightfully according to the law and according to FCRA rights. Additionally, the XXXX move out letter includes the concession charge back fee as the Early Termination fee, which is clearly stated as {$1300.00}. There is no mention of a concession charge back fee due at a later date. Therefore, the full amount was paid in full. See Attachments.
I entered into a car loan with GoFinancial and was never provided with any information about how they processed payments. I made my first payment over the phone and was give the option to pay using my credit card for a nominal fee ( I think it was {$4.00} ) which I agreed to. After processing the payment I looked at my credit card statement and GoFinancial had submitted the payment through XXXX XXXX and my credit card company had processed the charge as a cash advance charging me a {$15.00} fee and daily interest on the amount of the charge. I would never have paid the car loan with my credit card had it been disclosed to be that they would process it through XXXX XXXX. I spoke with the manager at Go Financial who informed me that they do not have to disclose how they process payments and they will not refund the fees that were charged to my card.
I got denied a credit from ally for a car loan. Their letter states they used XXXX XXXX. 
As the letter writes, I called to obtain my credit report from them. When I called no one picked up the phone and was instructed to request my report online on their website. When on the website, I was told to call instead. I called again trying to speak to a representative but you can only leave messages on a voicemail.
XXXX XXXX IS VIOLATING THE " DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT '' ESPECIALLY TITLE X. THIS IS WHY MY CREDIT REPORT IS BANISHED, THEY CAN NOT HANDLE THIS LAW.
Went looking for a cheap car within our budget. Had no money for a down. Left the dealer satisfied and headed home and planned to move on. Phone rang a coupke miles away, said they would work with us. Turned and went to talk, was handed XXXX on the sly by a salesman. We didnt know what was happening. Took us to a back office with a girl who was rtying to get into my XXXX account and she was throwing millions of papers at us. We still had no idea what was going on. I had to go outside and was crying because if the pressure of her wanting in my personal bank account. I was confused when she said how much are u putting down! We said we told u nothing! We are a XXXX couple I have stage XXXX caner and my husband is a XXXX XXXX. We have a fixed income. She said NO ... .YOU ARE PUTTING XXXX DOWN.???? IM CRYING, MY HUSBAD IS CONFUSED AND THEY say take it home and see how u like it. We did ... calmed down and calked the next day and told them we couldnt afford it and sure wouldnt pay over XXXX for a XXXX used XXXX with no extras even if we could afford it. The dealership said its out of there hands.. Call the finance co. Which we did immediately. We told them the story, asked them to please come get it or we would take it back to XXXX if they wanted. After almost a month they came and got it and by the way they couldnt even start it to move it. The finance co. Said it would be sold at auction and we would have to pay the remainder. Now as you see, we were lied to, pressured, the XXXX produced a fraudulent loan with money they used from them for down and Our credit is screwed, and someway today the finance co. Fraudulently tried to withdraw almost XXXX from my husbands XXXX XXXX account. Please help us and help stop them from doing this to others. 
CarSmart ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX If you need any more information please let us know. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo. XXXX XXXX XXXX XXXX Thank you.
I have hired XXXX XXXX to dispute inaccurate information, however XXXX, XXXX and Experian are still disclosing information that are closed on my report and inaccurate and have been paid over 10 years.
My father, XXXX XXXX passed away a year ago in XXXX XXXX. My sister XXXX XXXX was his care taker and had guardianship over my fathers affairs both financial and medical. Banco Popular, where my father maintained his account has refused to release the remaining funds to my sister. What are our options? My sister is single and makes minimum wage and could use the funds to help to support herself and her children. Who can we contact? Please help!
XXXX college took out a private loan in my name and then when they closed i found out that they had taken over {$20000.00} in federal loans plus $ XXXX+ in Pell Grants and XXXX Separate private loans for XXXX $ XXXX+ and XXXX XXXX XXXX for $ XXXX+. My tuition was only {$29000.00}. So this does not add up. The private loan company for XXXX has no idea what to do as far as discharging my loan. I need help!
Hello, I recently went to check my bank account for SunTrust and noticed XXXX dollars had been debited from XXXX. I assumed it was no big deal someone stole my information and used my card. I called the SunTrust Fraud Department to file a claim. Days later I received a notice saying the claim was denied. Id done business in the past with XXXX so I called them to see what was up. They debited my account for XXXX dollars due to old bills I assume would have gone to collections after I stopped using their XXXX service. XXXX was not authorized to make the debit from my account. When I complained to my bank about it and even showed them that XXXX even used an old card that I no longer had anymore SunTrust claimed due to it being a MasterCard all information is updated to merchants of past business. I told them it was fraud and they said well you have past business with XXXX  so its not fraud.
Bank of America closed a charitable scholarship fund due to lack of paperwork on the account and the check they provide was not good. I received an " unable to locate account '' from my new back. Bank of America owes our scholarship fund XXXX. I worked with them for 3 months and gave them everything they requested and each time they indicated all was fine until XXXX, when I received a check in the mail for the amount XXXX ( Balance in the account ), indicating they closed the account. At least 6 calls to their back office and 3 visits to the local branch and it produced nothing to keep the account open. The account was out of compliance because they lost the paperwork between changing systems over the years yet it is our ( consumer 's ) fault they are unable to maintain paperwork. Their back office is a complete mess and their people are poorly trained. They are engaging Robo Closing of our accounts due to their incompetence.
I disputed a Bankruptcy reporting on my credit file back in XXXX 2017. I advised the information being reported was inaccurate and asked for Equifax to remove the BK. While the dispute was in process, I received an updated credit alert from XXXX showing the BK was removed from my credit file. I also called and spoke with a representative and they verified no longer was there a BK reporting. On XX/XX/XXXX, I received a letter from Equifax with confirmation stating a result from there re investigation stating they verified Public Record Information of a BK with a third party vendor by the name of XXXX Consumer Center. I immediately contacted XXXX to verify what is listed on my consumer file with them and the representative advised they DO NOT SHOW any public records at all on any of my consumer files with them and Equifax could not have verified this information with them. 
Equifax continue to make illegal updates on my credit file and they continue to report inaccurate information as if they have verified this information and they do not verify as well, as the inquiries on my credit file that, they fail to assist me with disputing the inaccuracy of things being reported on my credit file.
The Equifax security beach has exposed myself and family to loss of personal identity, financial distress, and flawed credit. The generic response to inquiry leaves me even more vulnerable to attack with a less than professional and secure PIN. The security of my identity is now a main priority and I should n't have to shell out money to a company that allowed it to happen.
I have a private student loan through WellsFargo Bank. Unfortunately, I also have a co-signer on this loan. As of late, I have been unable to pay the high fees along with high interest rates on the loan. So, instead of working with me on how to solve the issue and agreeing on a lower accepted payment every month, they have been harassing my co-signer by telephone asking for money.
Portfolio Recovery has made harassing calls to myself and my mother, a female left @ least 2 different voice mails on my mothers phone, stating " they will be at XXXX home tomorrow to take care of this debt matter " or we will be at her home around XXXX to get her to sign verification of debt, representative stated to me " that I was obviously stupid in regards to the law, this statement occurred after I ask him for proof that I actually owe portfolio money, and I stated you ca n't sue me if I do n't owe you the debt. 
I had asked them several times to stop the phone calls, And threatening.
I placed an order using my Sears Gold Mastercard. Two weeks later a freight carrier called to schedule a delivery. I informed the carrier that I wanted the opportunity to inspect the package to ensure that there was no damage, and that package contained what I ordered. The carrier responded that I would have to pay the an additional {$100.00} to the vendor. Since that would have been a cost over and above the agreed upon purchase price, I told the carrier I would not accept the delivery. No attempt was made to deliver the item. The vendor charged me the freight to return the item, and a restocking fee
I am unable to make teh required payment on my private student loans from Navient. I have requested that they only contact me via mail on this matter and that they no longer contact third parties ( friends and family members ). They continue to do so however, and are claiming in their most recent letter that tehy can do so. I 'm attaching that letter and my response. 

Thanks you.
I am writing this complaint because SPS has violated the law by putting my house in foreclosure while my house is under a review for a Making Hone Affordable modification. SPS is committing a dual tracking federal violation. My rights have been violated and I would like SPS to review the documentation I sent in for the next 60 days. Also, I think that SPS is showing racial bias ( I am a XXXX female w/a hardship ) and I am being denied the right to apply for a loan modification. Please have SPS to stop sending me threatening letters telling me to relocate and move out of my house.
Upon Viewing my new monitoring services i noticed an account not belonging to me from company XXXX XXXX. This account does not belong to me and is fraudulent I am a victim of identity theft and it has been reported.
I tried to contact my creditor due to having incorrect information. All my letters were returned as undelivered. I contacted Transunion and provided documentation of the undeliverable mail to them which they signed for  XXXX / XXXX / 17 . I asked transunion to remove these accounts due to the creditor furnishing incorrect information. The account address were changed and some of the account numbers changed as per my  XXXX / XXXX /   17  report I pulled from my transunion account. I contacted transunion that day and spoke with the special claims department. They said they received my documentation but would not change my report. I received a copy of my updated report dated  XXXX / XXXX /   17  from transunion due to my phone call and all of the old incorrect information is back on my credit report.
On this date XXXX XXXX, 2015, I reviewed my credit report and notice that STANISLAUS CREDIT CNTRL placed a collection account on my XXXX XXXX and XXXX credit report. This is my first knowledge of the alleged debt. I have NEVER heard nor received any notification through the United State Postal Service from this company. I am enforcing my rights under the Fair Credit Reporting Act and the Fair Debt Collections Act, due to failure of contacting me prior to placing a unknown alleged debt on my credit report without a clear notification of who the original creditor is and informing me of my rights to dispute with request for validation. STANISLAUS CREDIT CNTRL has CLEARLY violated the Fair Credit Reporting Act and the Fair Debt Collections Act by not sending proper notification and informing me of the proper disclosure verification of debt that is required by Federal and State Laws, according to Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), ( c ) ( 2 ) ( E ), 611 ( a ) 1 ( A ), and Fair Debt Collection Practices Act Section 809.
I have contacted Equifax Consumer Reporting department. I have expressed that there is a security Alert on my report for fradulent inquiries. There should be no unauthorized inquiries on my report due to a security freeze. They have stated I need to provide 3 forms of ID to access my report file and refuse to speak to me surrounding my report. I have provided them with the requested information, contacted the companies and they still refuse to remove the inquiries and fradulent accounts from my file. I ca n't even get them to access my file anymore over the phone. I have provided them with the necessary identification but they refuse to let me call in and speak to any representatives.
<P/>
I have provided the letters I have sent and they refuse to remove them. They refused to obtain proof that I authorized the inquiries as well.