WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Madam or Sir : I am writing to express my objection regarding my XXXX XXXX XXXX Account XXXX which shows negative marks ( late payments ) on my Transunion as well as XXXX credit reports. This account is Paid In Full and in Closed status, and yet, XXXX XXXX with no apparent motive other than punitive motivation, continues to report late payments to these credit agencies. I have in the past written XXXX XXXX to politely ask for a courtesy adjustment and I keep being rebuffed. It is perplexing to me why XXXX XXXX should continue to engage in such punitive measures when in fact my account is Paid in Full and in Closed status. This is certainly not good business practice to punish consumers over past alleged late payments ( where such alleged late payments are from more than two years ago ) in their credit reporting practices when indeed I owe nothing currently to XXXX XXXX and in fact paid off my account in full to XXXX XXXX nearly two years before the loan maturity date. It is the failure of XXXX XXXX to act in good faith on this issue that compels me to write to the Consumer Financial Protection Bureau to put forward my objections regarding the inexplicable and punitive actions taken by XXXX XXXX. 

It is my contention that due to the fact that my account was Paid In Full and Closed well *before* the loan maturity date, that I have presented myself as a responsible consumer through my actions, and therefore I am entitled to injunctive relief from XXXX in the form of their deleting their reporting from the Transunion and XXXX agencies. Otherwise, I think XXXX owes both myself and the Consumer Financial Protection Bureau a written explanation for their unfathomable and vindictive business proceedings in refusing to either remove ( alleged ) late payments from more than two years ago from my Transunion and XXXX reports or to delete my XXXX account from my Transunion and XXXX reports entirely. 

XXXX XXXX XXXX contact information is : XXXX XXXX XXXX XXXX : Customer Service XXXX XXXX XXXX XXXX, GA XXXX I look forward to discovering how XXXX will resolve this matter, which, again, I have tried and failed to get them to resolve in the past. 

Sincerely Yours, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, MA XXXX
Midwest recovery systems is reporting on my XXXX report that I dont have any knowledge of, please show me validation of debt with bearing signature with my name. If not please remove and delete if you cant provide me with it documentation with in 30 days
On XX/XX/2013 I got a car loan from Wells Fargo. I was paying XXXX $ For a warranty that did not cover everything they told me it would cover on my truck. Every time I would take my truck to the dealership they would tell me that the warranty was only for electrical stuff and I would end up paying out of my pocket. The loan was 72 months and when I called Wells Fargo to stop the warrantie that wasnt covering anything for me they told me that I couldnt stop paying for it. They said that I have to pay for it. They couldnt give me an explanation about it. So I kept paying for it. I just want to get reimbursed. I need justice.
Majority that appears on my credit report are from hospitals, doctors, and XXXX fees. I did n't want to go but was forced by the ambulance paramedics and the police due to my illness. I know I could n't afford to go by ambulance nor can I afford to go to the hospital due to no insurance and I did not have a job as well ... ... .. 
The other XXXX collections are phone related ( XXXX & XXXX ). I kept telling the phone company that I do not owe them anything cause my wallet was stolen or miss placed. My identity was stolen as well
In response to the complaint XX/XX/XXXX everything a representative said from citi bank said isn't not truth because on XX/XX/XXXX i made a phone call advise them that i suspected unauthorised online wire transfer on my account ending XXXX, I spoke with a gentleman he says that transaction will took 24 to 72 hours to be clear therefore I will fallow a claims in then less than 30 minutes passed i called again a lady answered me saying that unauthorised online wire transfer send hourly at the morning she let me recalled for you and follow a disputed I never heard from them they're staying on still unknown person did another 2 unauthorised transactions again by XX/XX/XXXX and XX/XX/XXXX a representative from citi bank said they will send a notice by mail never received, now they're tried to confuse me i recalled on XX/XX/XXXX that is true them fault and negligence of 3 unauthorised online wire transfer, no excuse i need and I want my money back to my account ending XXXX because I made a phone call on XX/XX/XXXX for the first transaction they waited for another 2 more therefore they bank errors no order alternative just refund me my money back please.
Experian has an incorrect address for me : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA. 
I have never lived at that address and never sent mail there. In another profile section, Experian had my correct address of XXXX XXXX XXXX XXXX, XXXX WA. 
On XXXX XXXX, 2016, I advise the Experian dispute department of this over the telephone. They refused to open a dispute file claiming XXXX Bank, issuer of a XXXX XXXX XXXX credit card had that as my address. Further, tehy stated it was their " policy '' to require the consumer to call the issuer. XXXX did have that as an address fro me but not from me, but from the Experian report they ran. I did not know of the mistake. 
Experian stated it was their " policy '' to make the consumer correct the mistake with the issuer. I stated that they must take the dispute unless it is frivolous and it was not frivolous as they have XXXX conflicting current addresses for me, and I was advising them that the XXXX XXXX address was incorrect. 
I was forced to call XXXX Bank fraud who made the change and stated that they got the address from the Experian credit report. 

Experian 's " policy '' shifts the burden of investigating a dispute under the FCRA from the reporting agency to the consumer, and contradicts Experian 's obligations under the FCRA. 
No other reporting agency refused to allow a dispute. 
if it is is a policy of Experian to refuse address disputes, then there are likely countless other consumers to which they apply this policy. 
The correct procedure should have been to take my dispute information and open an investigation, allowing the consumer to also call the issuer. 
Experian has " security '' questions to access my online account with them. The questions contain incorrect information on lines of credit, mortgages and other information. Experian does not have a method to allow the consumer to explain or dispute the security answer, claiming that they are generated from the consumer 's credit report. However, if Experian incorrectly inputs information, the Experian system locks out the consumer from his own account. In addition, Experian refuses to address or allow a dispute of the errors.
I am XXXX years old and facing threats in employment, housing and financials in which depending upon US government support is volatile. Forced against a rock and a hard place I attempted to protect my character by freezing my credit scores before all my bank accounts are closed and I can no longer prove what sort of person I was in handling money. 
My first stop to freeze my credit score was with XXXX. When I called their phone number I went through the process of giving my Date of Birth, My Social Security Number, my address. The automated machine then told me to create a pin. Unable to make a 6 digit pin right away my phone call was transferred to a XXXX customer service rep.. 
The person asked me for my social security number again. I gave it to them. I then asked where are you located. I was told " outside the United States. '' I then hung up on that person. I got the phone number off of a website advertising XXXX. I then called XXXX who gave me a different phone number providing me with the same result, an operator in some country over seas. 
In my quest to try and save my character from defamatory allegations that may be levied against it in the future, I submitted my personal information to a Credit score company submitting my identity to foreign actors that don't have to obey US rules and regulations to safeguard my identity. In fact since the credit bureau transfers US citizens personal information overseas instantly, I want to submit a complaint accusing them of compromising my Identity. If my identity is stolen, I want the credit bureau 's to be held more responsible for what ever losses someone tries to pin on me when the bureau is to blame. 
I will not try and freeze my credit score now even though I need it to protect myself from democrats and republicans who dedicated their lives to serve foreign country XXXX not US citizens. Since I'm not a XXXX, I have real problems with Government protecting its citizens just like the other 300 million US citizens at the mercy of foreign country serving politicians, be they Federal, state or local officials.
They stated they are a collection agency for Chase I contacted Chase and they say they handle all aspects of collections on their own. This company will not give me their name, address or anything they called me 5 times in one day. They are rude
Total Rewards Visa Card Keep Applying My Payments Late and It Takes 3 to 4 Weeks To Post My Payment So They Can To Get Late Charges
I get a medical bill on my credit report who was paid by my insurance and still showing on my report. I received calls from collection about a debt already paid with some treated by collection agents. This was never reported to my attention about this debt turn to a collection agency. I do not have ny knowledge of this issue.
I recently conducted a review of my credit report, and I noticed that your agency showed two several credit inquiries that I find to be problematic. 
1.XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX   XXXX 6.XXXX XXXX XXXX XXXX 7.XXXX  XXXX XXXX 8.XXXX XXXX 9.XXXX XXXX XXXX XXXX 10. XXXX XXXX 11.XXXX XXXX XXXX 12.XXXX  XXXX   13.XXXX XXXX XXXX 14.XXXX I contacted these Companies and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.
I 've been disputing an account for quite some time low about inaccuration information on my credit report. Showing on my credit report from XXXX XXXX Bank was this account closed on XXXX. However, LNVN Funding who which this collection was sold to is providing inaccurate amounts due. XXXX bank is supposed to be closed with an amount of the credit limit due of {$300.00} or less. I 'm being charged an amount of {$580.00} for no apparent reason or even documentation given the fact.
we have a mortgage with '' green tree mortgage co '' we pay by bank draft and never misseda payment on our property located a XXXX XXXX XXXX, XXXX Ks XXXX we have never requested any legal service from them. They added over {$3000.00} on to our mortgagefor legal fees. They called it a " Corporate Advance balance '' the sum of {$3000.00}. Our rental property was seized on the XXXX of XXXX 2014 by the XXXX XXXX 's Department. We hired our own Attorney and fought the DA and XXXX and we went to court and the presiding Judge was Chief XXXX XXXX XXXX XXXX XXXX. We won the case and was completely exonerated of the charges. The claimantwas " the XXXX of Kansas '' and the defendant was our rental property. Green treemortgage is located in XXXX XXXX SD, XXXX XXXX XXXX, XXXX. Our Account # XXXX. Phone # XXXX .We believe this financial action against us is completely unjustified as wenever requested any legal services from this mortgage co and we were never notified or advised why we are being charged for these attorney fee 's. I am XXXX years old and aXXXX XXXX veteran XXXX and served in the military22 years. My wife is XXXX years old and we never had any problems with law enforcement. The property was seized for alleged criminal activity. We would appreciated it very muchif you could help us with this problem, as we have already spent most of our savingsfor attorney fee 's not to mention the stress that they have caused us. What is toprevent the mortgage Co from charging as any more fee 's. 
XXXX & XXXX XXXX XXXX XXXX, Ks XXXX
Advance Financial should be taken out of business. I was not aware of the 279 % interest they charge for a flex loan. They took a total of {$450.00} per month out of my checking account since the beginning of   XXXX  . My payoff balance only keeps getting higher and higher. Their flex loans are set up to  XXXX  customers over and make them further in debt by not helping them in any way due to the outrageous interest rates. What a scam!!
I have an Account with XXXX XXXX. My credit report reflects that a 30 day late payment has been reported for XXXX and XXXX XXXX This is incorrect. I contacted XXXX who concurs that my account has never been late. They informed me that they could not send me a letter but I would need to dispute directly with the credit bureaus since they do not see me in their systems as every having been paid late. I have disputed with all three credit bureaus with no success. I am in the process of applying for a mortgage and this incorrect reporting is penalizing me. Please help.
I have a private student loaned serviced by the American Education Services ( AES ). Although this company has my most current contact information, they have been calling my references and discussing my student loan information with them. Specifically, they have harassed my father and disclosed information about my loan, even though he is not a signer on my loan.
Fraudulent activity of my checking. XXXX checks written fraudently and XXXX wire transfer for almost {$200000.00}. Reported to chase bank. Sign affidavit. Was told that the checks were obvious forgery. I have the supposed checks used at my house unused. All monies were sent to a gold dealer. Have no received any communication. Chase overdrafted and approve monies from savings to checking. No red flag was issued. I was out of the country when this happened. My online access was blocked since XX/XX/2015 and I stop receiving statements as of XX/XX/2015. Called in XX/XX/XXXX and found out the balance of my account and that 's when we became aware of the fraudulent activity. Chase is now refusing to reimburse my monies. When I was assured my monies would be reimbursed within 10 days
TransUnion Refuses to remove negative items and inquiries from Credit Report even though companies are unable to validate debts via signed contracts. Credit score incorrect. XXXX has been sent a notorized fraud affidavit. They are unable to provide a contract signed by me to validate the debt. Inquiries disputed but have yet to be removed. It 's past 30 days. Company not compliant with FCRA.
I tried to get a bank account with my current spouse and was denied due to a fraudulent account!!!! I have never banked with 5/3rd Bank in my life!!!!!
Initial letters from Sunrise Credit Services ( SCS ) office were dated XXXX XXXX, 2015 & XXXX XXXX, 2015. I received XXXX different notices from XXXX XXXX XXXX ( XXXX ) dated XXXX XXXX, 2015 & XXXX XXXX, 2015 stating they were still servicing my loans. As such, I disregarded SCS ' initial letters as XXXX entities are not allowed to collect on the same debt at the same time. 

I was notified of SCS ' involvement from XXXX XXXX XXXX ( GLS ) as of XXXX XXXX, 2015, therefore any disclosures made by SCS prior to that date are void. I have not been notified of a default on these loans and as the balance SCS is reporting is inaccurate, any default that occurs prior to SCS resolving the dispute is also void. 

Each different SCS account number on their XXXX XXXX letters lists the same amount owed of {$9500.00}, which is inaccurate. SCS letters misrepresent the outstanding balance on each of the XXXX loans taken out with XXXX XXXX XXXX ( XXXX ) as {$9500.00} for a total of {$28000.00}. There were XXXX loans taken out through XXXX and the total of those XXXX loans was {$9500.00}. 

I would also like to bring your attention to conversations with representatives of SCS ' office ; XXXX XXXX, XXXX XXXX XXXX XXXX ( unknown last name ) on XXXX XXXX, 2015. SCS representatives disclosed the nature of the call without confirming my identity, under the FDCPA that is known as third party disclosure. Additionally, I questioned if SCS was a collection agency and a SCS representative confirmed it was indeed a third party collection agency. None of the SCS representatives provided the mini Miranda, which is another violation of the FDCPA. 

SCS representatives also failed to notify me that the call was recorded, which is required by California penal code. 

I have not authorized any automated calls to my cellular phone and received numerous calls from SCS ' office using an Automated Telephone Dialing System, which is a violation of the Telephone Consumer Protection Act. 

In closing I would like to mention SCS ' demand for payment in the amount of {$710.00} in back payments and current monthly payment of {$220.00}. My monthly arrangement with XXXX was {$60.00} per month due to my financial situation of bringing home less than {$2000.00} per month. Should they be willing to modify their monthly payment requirement, I am more than willing to establish a payment arrangement with their office that is reasonable & affordable for both parties.
Again trying to get loan modified, have been faxing since XXXX, XXXX XXXX signed loan documents, and signed over POWER OF ATTORNY, get a letter saying CANT VERIFY XXXX XXXX INFORMATION!!!!!!!!!!!!!!!!!!!!!!?!!?!? Not sure why see original loan appilication XXXX AT XXXX NEVER CALLS BACK going to start pulling phone records!
Short sale is in the process of negotiations and  Nationstar  proceeded with a foreclosure. Tenant occupied and did not give proper notice or offer move out assistance.
I am a co-signer on my son 's student loan. During the consolidation process Well Fargo advised us not to make a payment, and that a late fee would be assessed. After the loan was consolidated, I called to have the late fee reversed it was not. The inclusion of the late fee caused the principal balance and the minimum payment to be greater than it otherwise would have been. I have been repeatedly promised that the error would be corrected. It has not, the inclusion of the late fee causes all future payments to be incorrect as well. In addition, there is no way to set up automatic payments, or access account information without my son 's permission even though I am a co-signer on the loan.
Nelnet is refusing to assist me in completion of the forms needed to process the annual determination. Their own website is confusing so I have problems figuring out which payment plan is right for me. The plans offered are : Income-Driven Repayment Plans and Income-Sensitive Repayment. The explanation of the two do not coincide with these explanations : The Income-Contingent Repayment ( ICR ) Plan, Pay As You Earn ( PAYE ) Repayment Plan and Revised Pay As You Earn ( REPAYE ) Repayment Plan are for Direct Loans only. The Income-Based Repayment ( IBR ) Plan is for both FFELP and Direct Loans. 
Because of this I believe Nelnet has offered to mail me pre-populated forms in the past and now they 've declined and also have refused to accept my faxed signature page that they 've accepted in the past. I 've gone through telephone verification and uploaded tax documents yet they continue to pursue past due payments for {$600.00} when my payments were determined to be {$46.00} or so. They 've ignored requests to send me a pre-populated form so I can use the signature page only to give a physical signature. I think they are creating a hardship for me by the confusing language for the available plans ; ignoring already submitted documentation of income and household size in pursuit of a much higher payment ; no offer of forebearance while the newly needed physical signature page is required ; refusal to give me a pre-populated form to eliminate the mistake of applying to the wrong plan.
My son stopped paying his student loan because of a divorce. By the time I found out he was behind he was almost in default. I am the co-signer of his student loan that was XXXX and is now Navient. I have taken over the payments because he just can not afford to pay them. I have spoke to Navient on several occasions to try and work out more affordable payments but they say I need my son 's information that I can not get. 
the loan is presently {$1700.00} past due. with a 10 % interest rate. I have made several attempts to bring this current but they have not been willing to help me get an affordable monthly rate. they will not decrease the interest rate, put the past due amount attached to the rear of the loan. I have been paying the monthly payment of {$250.00} -- the actual monthly payment is {$240.00}, trying to get the past due amount down since I can not pay the full past due amount. I pay {$250.00} /month and only {$37.00} is going towards the loan the rest is interest upon interest. Now I see the interest rate was changed from 10 % to 10.25 % - so instead of paying {$200.00} in interest it is {$210.00} .... how can I ever catch up or make a dent in the payment. 
original loan amount was {$17000.00} -- - now the repayment balance is {$26000.00}. PLEASE need HELP as soon as possible.
I hereby issue this affidavit within this Federal platform. At this time, the above is issuing a temporary gag order against Transunion and XXXX. Because at this time the above filed a complaint againt Trasunion Complaint ID # XXXX on XX/XX/2018 and also filed a complaint against XXXX Complaint ID # XXXX on XX/XX/2018 with XXXX XXXX XXXX - Division Cheif, Consumer Protection Division -Michigan Attorney General Office XXXX XXXX XXXX XXXX , MI XXXX. It has been brought to my attention that both of these institutions are soliciting inaccurate information about my identity with their clients during an investigation with the Michigan Attorney Generals Office. It is further been discovered that these two institutions are sharing reports with their clients but are withholding information that the insititutions themselves are under an ongoing investigation with the Michigan Attorney Generals Office - compalint # 's listed above. At this time the above does not feel that his information is being safe guarded by either of these two instituions wherefore I am attaching this affidavit with each and every application that the above releases and in doing so i will offer an invitation to any and all creditors to re-direct their request for complete file information to be done with only XXXX and the above will pay for the full complete report regardless of whether a creditor extends credit or not. All you have to do is contact me by email and submit request for payment. 

The above certifys that on this date XX/XX/2018 at XXXX XXXX  that a true copy will be faxed to both Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX and XXXX : XXXX XXXX XXXX, TX XXXX by the next business day XX/XX/2018 2018