WillisBack/dataset-financial-user-claim huggingface dataset:
I received a summons and complaint from a process server stating I was being sued by CSO Financial , Inc. C/o XXXX XXXX XXXX ca bar # XXXX. I was server at my place of residence where I have resided for almost two years. Attached to the complaint is a letter mailed to a address other than mine. I never received and letter to my place of abode. The plaintiff never attempted to resolve this matter without taking action, but false claims to have in there complaint. The current and original creditor is n't listed on any documents and again no documents or communication was made with me. I was denied my rights to dispute.
I mailed a letter to SYNCB/ XXXX  on  XXXX   XXXX ,  2017  about an unauthorized inquiry on my  XXXX  credit report from their company. I suspect this is fraud. I asked them to remove the inquiry in addition to forward any documents that showed an application of credit from them.     The company sent a letter back, dated  XXXX   XXXX ,  2017 , saying the inquiry was as a result of a paperless application, which I did not do. They failed to send any documents to support their claim.     I requested the inquiry to be removed from my credit report an they failed to do so.
My understanding is that I have a right to cancel the PMI on my home mortgage, since my LTV is less than XXXX %, but my mortgage company denied my request, stating that my LTV is XXXX %. 
I have requested them to provide me an explanation on how they calculated my LTV, but I never got a response from them.
I contacted TransUnion about the computer glitch caused your inquires to be deleted. TransUnion later added them back onto my credit report without giving the legally required 5 days notice prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquires that have been illegally re-added. I spoke with XXXX the Supervisor at TransUnion in the USA on X/XX/2017 at XXXX XXXX cst. These inquires add a hardship and my rights were violated by TransUnion. Please stop TransUnion from victimizing me.
To whom it may concern : I tried to get my Equifax credit report but was denied. This isnt the first time and I tried to get them to investigate it but they didnt. They have credit information that is fraud on my report. I found out through a private detective that someone took out a credit card and auto loan in my name. Also they are reporting I worked at XXXX XXXX when I have never worked in the industry of hospitality. Please look into this ASAP. Thank you sincerely XXXX
After receiving my report from Equifax I learned that they still had two other people ssn, addresses, collections and phone numbers on my report. I filed a dispute on the accounts and they keep saying verified. I asked them to send me proof of signature or a form of verification and they couldn't. These things have held me back for years. This is stressful and my anxiety is thru the roof over this.
I filed an complaint with Barclays bank of Delaware on XXXX, I advised Barclays that, Title XXXX XXXX. XXXX, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure Barclays are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Barclays company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Barclays are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Barclays fail to respond in writing, signed by hand, in a timely manner, I will assume that Barclays are in error and this matter will be challenged. As Baclays further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Barclays claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XXXX, I will file a complaint with the CFPB, XXXX. 
As of today XXXX, Barclays have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRAConsent to publish the description of what happened? Consent providedIssue Customer service / Customer relations
Like the other complainants in the current suit against Navient and its subbsidiaries, I was not informed about the available options for payment, and this negatively affected my loan status. In my case, it resulted in the loss of 58 payments on my loan balance towards the 120 I need for public service loan forgiveness, adding more than 4.5 years until when my student loan debt will be forgiven as part of the Public Service Loan Forgiveness program for XXXX and costing me XXXX of dollars. 

In XXXX XXXX, I found out about the Public Service Loan Forgiveness program from friends who are XXXX. I called Navient ( then my servicer ) to inquire about my eligibility. I told them that I had been a XXXX since XXXX XXXX. They told me I was ineligible, that the program did not apply to XXXX ( This was, of course, untrue. The program has always applied to XXXX. ) I continued to pay the regular amount of my loan as assigned. 

Beginning in XXXX XXXX, I entered into several periods of forbearance with my loans due to my husband 's unemployment. When I called to arrange for these, I was not offered the option of income-based repayment. 

In XXXX XXXX, I inquired with XXXX, my current servicer, so I could find a list of the payments I had made and the reasons why only nine of my payments made since XXXX counted toward my loans XXXX, and seven of my payments made since then count for loans XXXX. 



Furthermore, just like the other members in the class action suit being brought by the attorneys general, I was never offered an income-based repayment plan in my periods of forbearance. If I had been offered an income-based repayment plan that would have offered LOWER payments than I was then making, I would have been able to continue making those lower payments. Of course, if I had n't been lied to about my eligibility for Public Service Loan Forgiveness, I would have made different decisions throughout the process.
My father filed for bankruptcy last year. When this happened access to my student loan account was taken away because he was a cosigner on the account. When I submitted a cosigner release for it took them several weeks to get back to me with a decline. They told me it was declined because it was in bankruptcy but I am not the one in a bankruptcy, my father is. The only way to make payments now is to call in every month and I don't even know how much I owe. They also continue to accrue interest on my loans.
I use a rewards app called XXXX, whose service provider needs access to my credit card transactions in order for me to get the rewards points for purchases made with my card. ( Capital One XXXX card. ) Capital One is no longer allowing me to give XXXX access to my transactions. I have a right to share my credit card data with this app and I would like Capital One to grant this access.
For months at a time, I recieved several phone calls a day made arrangements. They said they would still call me until the payment was made. Sometimes they would threaten me with things like foreclosure, other multiple calls.They have charged me many late charges when I was not late.They changed my due date without permission, added insurance when I had my own.
To whom this  may con cern, I recently reviewed my credit report on  XXXX   XXXX ,  2017 and  noticed there was improper usage on my credit report. There were several unauthorized credit inquiries from unknown sources that were listed. I have no knowledge of these unauthorized inquiries and I am therefore seeking for the inquiries to be removed immediately.     Thanking you in advance for your prompt action of this matter.     Kind Regards , Concerned Consumer
I have contacted XXXX XXXX about a fraudulent company, XXXX XXXX XXXX, based out of XXXX who were improperly handling thousands of consumers accounts and charging clients fees to lower student loan payments. From high fees to improper usage of student loan accounts, the company ran by XXXX XXXX defaulted on a lot of clients student loans from not properly documented student loan information. XXXX has been featured in the news as a fraud : XXXX XXXX  XXXX I have contacted XXXX XXXX and have asked the late payments to be deleted as I was unaware of them until months after it appeared of my credit report. Unfortunately, they referred me back to XXXX XXXX who has yet to return a phone call. These late payments are greatly impacting my credit score and causing XXXX as I am wanting to purchase a house soon. Please help me remove these reported late payments from my credit report. I feel as though as my rights are being violated due to being victimized by a fraudulent company.
XXXX XXXX, XXXX am currently paying my student loans under financial duress. I am paying {$950.00} per month in student loans to Navient XXXX formerly XXXX XXXX XXXX. This is not affordable and unsustainable in my situation. 

I reached out to Navient to discuss lowering my monthly payment to an amount I can afford. The only options given are worse than my current situation. They offered interest only payments for 24 months of {$590.00}, after which my payment would increase to more than my original payment amount. Which begs the question of why would my payment increase if I am paying the interest? The other option is to extend my repayment period from 12 to 27 years! This would lower my monthly payment to {$640.00} monthly but also increase the total amount I will pay over the life of the loan significantly. All of these options seem predatory. 

My loans make up the majority of my monthly expenses and take up the majority of my pay check. I am unable to afford a place on my own and have been reduced to finding a room on XXXX. I have had the same vehicle for 7 years because I can not afford a better used XXXX. I live as cheaply as I can and still manage to barely get by. I lost my girlfriend of 6 years in part because I could not afford to propose to her. I have joked that XXXX because my father, who was gainfully employed before the recession, cosigned my loans. My father is now physically XXXX and not working. My father would be forced to pay my loans XXXX. I am working diligently to increase my income to pay off these loans as soon as possible. However, presently a permanent reduction in my payment that is applied to the principal and interest of my private loans without extending my payment terms would be of massive help. 


Kindly, Financially Strained
My XXXX XXXX Bankruptcy started in XX/XX/XXXX, Account no : XXXX and it was removed from my Equifax credit report in XXXX, XX/XX/XXXX. In XXXX, XX/XX/XXXX it was placed back on my credit report now showing a different name. IL FED Bk CT-East XXXX XXXX. Account number is still XXXX.
I opened a Citi Gold Checking account during a promotion that Citi was running to give a XXXX ThankYou points for new members who signed up with promotion code XXXX and satisfied several terms. I confirmed via secure message to Citi on their site that the account was set up properly with promotion attached on XXXX/XXXX/XXXX. After completing the requirements, I confirmed via secure message that the account had the promotion attached still and I had successfully satisfied the terms of the promotion. Citi was able to research and confirm all of these things and stated there was a waiting period of a maximum of 90 days for the promotional points to post to my account for use. Starting with the last day possible for the points to post, XXXX/XXXX/XXXX I followed up with Citi via secure message to ensure everything was good and the points were going to pose. I was again assured the points were going to post but they never actually did. I followed up multiple times and received responses on the following dates all assuring me the points were going to post : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. In addition to the correspondences via secure message, I received 2 " E-communication '' letters on XX/XX/XXXX and XX/XX/XXXX assuring me the points were going to post. A familiar refrain of all of these communications was something to the effect of " Well the points should have posted already so we went ahead and posted them again but now you just have to wait another 30 days. '' over and over and over again for the past 6 months that I have been waiting since completing the promotion in accordance with Citi 's terms. During this wait, I have been charged {$42.00} in monthly service charges on the checking account and I ca n't help but wonder if the prolonged nature of the resolution to this issue has something to do with the amount of money collected in monthly service charges.
I recently viewed my latest Transunion Credit Report and the following disputed inquiries have been properly investigated and removed from my XXXX Credit Report. Transunion refuses to remove the same inquiries from my Transunion Credit Report. How is it that XXXX conducted their investigation which resulted in the removal of the inquiries and Transunion investigation found the inquiries to be legitimate. This brings into question Transunion Ethical Standards and trustworthiness when it comes to complying with the FCRA ... .. THE FOLLOWING INQUIRIES WERE REMOVED FROM XXXX ( CONFIRMATION # XXXX ) BUT STILL REFLECTING ON MY TRANSUNION CREDIT REPORT. : XXXX XXXX XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX ( ALL, Furthermore XXXX XXXX send me a letter that they requested for the inquiries to be removed - I will provide the letter upon request ) XXXX XXXX ( ALL, Furthermore, XXXX XXXX send me a letter stating that the requested for the inquiries to be removed I will provide letter upon request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also requesting that Transunion to update my current phone # which is XXXX.
The purpose of this letter is to outline the facts of Ms. XXXX dispute with Well Fargo from my perspective. 

In XX/XX/2018 I discovered that a significant sum of money, approximately {$7000.00}, was taken out of my XXXX  XXXX XXXX checking account without my authorization. Upon this discovery, I submitted a fraud claim with XXXX  XXXX XXXX and XXXX XXXX XXXX provided me a {$7000.00} credit while they performed their investigation. In XX/XX/XXXX, I received a letter from XXXX XXXX XXXX stating that because my username and password had been used for the transactions, they considered that an authorized transaction, denied my fraud claim and reversed the {$7000.00} credit from my account. No money was put into my account based on my claim and I subsequently closed that bank account with XXXX  XXXX XXXX. 

After receiving the fraud claim denial from XXXX XXXX XXXX, Ms. XXXX contacted me because {$2600.00} from her savings account and {$200.00} from her checking account had been taken from her Wells Fargo account stating that it was a partial reversal of unauthorized transfers. It was only at this time that I knew where the money gone ( Ms. XXXX bank account ) when it was taken out of my account without my consent. It was at this time that I discovered that XXXX XXXX, Ms. XXXX daughter and my ex-girlfriend, had taken the money out of my account under the pretext that it was to pay bills relating to the apartment XXXX and I were living together prior to the breakup. Ms. XXXX informed me that she was not aware of the fact that XXXX and I had broken up and that she was only involved in the situation thinking that the money was to pay bills. 

Because XXXX XXXX XXXX had denied my fraud claim and because I believe that Ms. XXXX did not know that the money had been taken out of my account without my permission, I agreed to help Ms. XXXX retrieve the money that had been taken out of her account as a partial reversal of unauthorized transfers. 

During the process, Ms. XXXX and I spent an absorbent amount of time on the phone with both XXXX  XXXX XXXX and Wells Fargo on numerous occasions in a failed attempt to retrieve Ms. XXXX funds. This included having to take time off work to make calls and to visit the banks in person. Both banks have pointed to each other as the reason the funds have not been returned to her and we were unable to come to a resolution. 

Ms. XXXX has kept prodigious notes which I have reviewed and I defer to Ms. XXXX notes for additional detail regarding specific dates and times we met with both banks. 

For any additional information, please feel free to contact me at XXXX. 

Thank you, XXXX XXXX
Every month I have to file a dispute with XXXX and experian they do an investigation and then remove XXXX from my report. The next month it 's added back to it. I have sent information that this is n't mine and I have sent a letter of debt verification to XXXX asking for verification that its mine. They have yet to respond and its been at least 60 days. I 'm tired of it popping back up it drops my score over 100 pts every time it shows up.
I have received numerous phone calls as have members of my family, threatening jail, arrest, police coming to my door and if we have guns on the premises to lock them away. My mother was even threatened that they would lock her up if she did not tell them of my whereabouts. All from a company by the name of XXXX XXXX XXXX ... XXXX. The people we have heard from are a XXXX XXXX and a XXXX XXXX. 

These claims were discharged in Bankruptcy several years ago and these companies were notified of the hearings and at the time did not try to contest it. 

I have tried to inform them of the bankruptcy but they just laugh and tell me they will see me in court. I have given them all my contact info but to date have received nothing from them and they still call and harass my family.
My name is XXXX XXXX and i reside in XXXX XXXX Nevada i have been here sinceXX/XX/XXXX, i am a registered voter and i have my Nevada identification state cards fromXX/XX/XXXX to present XXXX which i just provided to Cfpb. There is a chapter XXXX bankruptcy on my credit file for US bankruptcy XXXX Alabana from XX/XX/XXXX But there are no accounts on my credit reports to support this. I contacted the courts and they advised me to take up with the courts. Also the US Bankruptcy Clerk advised they do not disclose information to 3rd parties. Such as lexisnexis who provided this inaccurate information to XXXX  and XXXX I did not file a chapter XXXX in Alabama in XX/XX/XXXX. I was living and working in Nevada in XXXX. Also there isnt one account on my credit report that shows included in Bankruptcy to support their findings. I am asking for supportive documents to proove its mine, accounts included, and how verfied. lexisnexis possibly have me mixed up with my daughter. similar names can be mixed up and reported in error. My daughter has same name as me .and she resides in Alabama XXXX How can i obtain a residence, drivers license, and job, voters card, lease from XX/XX/XXXXshowing my residence here in Nevada and file a bankruptcy in AlabamaXX/XX/XXXX. doesnt makes since.
I have a loan with CAPITAL ONE, N.A.. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX  and CAPITAL ONE, N.A. were no successful resolution. XXXX  and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
In XX/XX/XXXX I had to take long-term XXXX from my job. As a consequence, I submitted the application and supporting documents to Capital One for my account ( s ) to be covered under the Payment Protection Plan that I had on my account ( s ).  ***This is the same Protection Plans that Capital One settled in class action lawsuit for failing to properly apply/apply at all Payment Protection for consumers when consumers applied***. 

After battling with Capital One who claimed I did not submit the paperwork, I retained an attorney in XX/XX/XXXXwho was able to get Capital One to apply the payment protection coverage on my account which covered my account balances in full, remove the fees they applied and correct my credit report accordingly. 

Initially, Capital One corrected my credit report to reflect that the account ( ENDING IN XXXX ) to reflect these corrections. 

However, over the past couple years Capital One has been reporting that the account was late and over the balance limit, which is not the case. The account has never been late and the over the limit balance was a result of the fees Capital One applied when they did n't property process/apply the Payment Protection Plan, which was resolved by the attorney in XXXX. 

I have tried multiple times to resolve this with the credit bureaus, but they now will not allow me to dispute what Capital One is reporting because they claim I have already disputed the issue which is not the case. 

True I did dispute before retaining the attorney, but it is only in the fast 2/3 years that Capital One is reporting the account incorrectly.
I joined XXXX XXXX XXXX XXXX XXXX on XX/XX/2013. On my contract it states that I can cancel within 30 days. ( I have a copy of this contract ) On XX/XX/2013 I sent a written request for cancellation thru Certified Mail. ( i have a copy of this receipt ) On XX/XX/2013 I received a letter from Account Recovery Services telling me that they have reported this debt to the credit bureau. On XX/XX/2013 I sent a written request to with a copy of my contract and the letter canceling the contract to Account Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX. ( I have a copy of this letter and I copy of the certified mail receipt ). I have written at least a dozen letters to both XXXX XXXX XXXX and to the Account Recovery Services Inc and they refuse to take this inaccurate information off of my credit report. This information has been on my report for over 4 years and I want it off now. This negative remark on my report has cost me hundreds in high interest charges. Please help me get this off of my report. Thank you XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX
I took out a loan from Check Smart/Buckeye Title in XXXX Arizona, well over a year ago if not maybe two.The loan was for {$500.00}. Every month I have went to pay my loan payment in person with cash.I always paid the minume or more. When i made my last payment XXXX XXXX, I noticed the reciet said that I still owed {$690.00}. I refused to make a payment on XXXX XXXX, because i feel this loan is paid in full and then some. Probably paid at least XXXX if not maybe XXXX times over. This morning i received a message from XXXX bank that my account is over drawn! Check Smart got into my bank account and drained it to now it 's over drawn! I have contacted XXXX to get this stopped. The bank is working on it, but i have NO money until this get 's resolved. This loan would NEVER get paid off with this out raggist interest!