WillisBack/dataset-financial-user-claim huggingface dataset:
Trans Union had a glitch in there system that violated the rights of their consumbers under section 6.11. As a result, I have been gravely effected and my credit score is suffering as a result. No notice of was ever given which is also a violation. I am requesting that ALL inquiries be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I do not owe on any medical bills nor have any medical bills recently this is inaccurate and false information
I have disputed a particular account with Equifax on several occasions. The final results were always that Equifax has verified the account as accurate. The account in question is listed on my Equifax File as XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX Ohio XXXX ; Account number XXXX. 
I contacted this particular company via XXXX certified mail requested validation of this account pursuant the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. The company failed to respond to my request and I submitted a claim through the Consumer Financial Protection Bureau ( Case # XXXX ) and the CFPB were unable to contact the company to receive validation either ; the contact number listed on my equifax report is invalid and will not work. I received an email from CFPB regarding this company that I filed a claim against and spoke with XXXX who confirmed that the CFPB were unable to contact this collection agency with the number that is listed on my Equifax Credit report ( XXXX ) ; I spoke with her on XXXX/XXXX/2015 at XXXX. 
Being that I was unable to receive validation as I requested and the number listed on my Equifax Report for this company is no longer in service, I would like to know what verification did Equifax receive to determine from their investigation that this account and the information being reported about this account is accurate. I have disputed this information several times with Equifax and each time they determined that this account was verified and validated and it is accurate. Per the Fair credit reporting act and the Fair Debt Collection Practices Act, by law I am entitled to receive validation regarding this debt. Also by law, when Equifax investigate a dispute, they are suppose to receive competent evidence to verify/validate the accounts instead of assuming that it is accurate. This account is not accurate by no means, matter of fact it is listed under XXXX different names on my file with the same contact information. Again, I need to see exactly what documentation Equifax received to determine this information was accurate since they did a fair investigation.
I currently have a VA mortgage loan with USAA, serviced by XXXX. These companies are refusing to recognize my XXXX XXXX disabled status which grants tax relief within the State of Tennessee. AS theses laws have been in place for a number of years! 


Attached you will find a copy of the tax bill which reflects the amount due and payable. USAA/XXXX has told me directly that I will just have to depend on the state to return this overpayment yearly! In shorth they have refused to re-evaluate my escrow using the attached bill. 


Please assist me in reducing my mortgage by not paying excessive collections of taxes not due or payable as indicated on the bill!
the errors of inquires on my credit report are fraud I didn't apply for loans it was my XXXX XXXX son who lives with me my XXXX  XXXX son doesn't know that my credit and my name and social security number and my address are my own and only for my use due to his XXXX XXXX hurting his reasoning i don't want to pursue any criminal charges or law enforcement presents in the matter because he's XXXX   XXXX hurts his reasoning he wouldn't have known that my credit and my name and social security number and my address are my own and only for my use
Amazon.com was offering a promotion for a free XXXX dollar gift card when signing up. I signed up for the card not planning to ever use the card and was greeted by a nasty credit score defect which was corrected by me and charges were successfully disputed. After this was completed the customer service rep said I would be all set and the account would be closed. Assuming this was the end of my relationship with this company and not having received any billing statements ( which is acknowledged at Chase as it is not my legal address or an address I recieved mail. This was corrected in their system on XXXX/XXXX/16 to my legal address at the time and during the dispute which I offered to send proof of residence. Chase is saying there are charges that are not paid on the account which Im willing to pay for however being unaware of these charges even exisiting and thinking this has been dealt with by Chase like was said on the phone I did not know there was a balance. I make more than enough money to pay the charges at the time and now however this is negatively effecting my credit score because they wont acknowledge this is their mistake.
On XXXX XXXX XXXX, I sold executed a sell order for XXXX Litecoin ( LTC ) from my account with Coinbase. The sell order was for a USD equivalent of {$1500.00} which was to be deposited via wire into my verified, personal bank account connected. The sell order status ( and associated wire ) are both reflected as 'completed ' on Coinbase, however ; I have not received the USD funds in either of my Coinbase or personal bank account. After checking with my personal bank to determine whether they may have rejected a wire and confirming that no wires were received, I submitted a support case to Coinbase on XXXX XXXX XXXX. The support case went unanswered for 17 days until on XXXX XXXX XXXX I received a message saying that the issue had been investigated and was being addressed, but without any details on the timeline for resolution. As of today, XXXX XXXX XXXX I have yet to receive the funds or any follow-up message regarding the path or timeline to resolution. My understanding is that Coinbase is a U.S. based entity with approval to operate under the oversight of state and federal regulators. With this being the case, I expect that customer support be sufficient to handle errors and resolve inquiries much faster than the nearly 30 days that this issue has remained outstanding ( and open within the Coinbase case system ).
I have been with Bank of America for the last 7 years along with a Small Business Account since XX/XX/2014. 
The local Bank of America Bank asks me each time I go into their location, to open up a credit card. Each time I tell them that I understood you need XXXX credit scores, as mine is at the XXXX range ( personal account not business ). They told me no things have changed, etc. 
I went ahead and took the Credit plunge and tried to open the account. I was turned down as I expected and it was explained that I had credit issues back 4 years ago with my personal credit not business credit. Yes as we did due to the fact we had health issues with my husband and were late paying some bills due to issues occurring during that timeframe. 
If this is a Small Business Credit Card, why are they putting emphasis on the Personal part of my business not Business?
I set up an account with sleep number because the salesman who sold me the bed told me EVERYTHING i bought was at zero percent for two years. I got my first statement from Synchrony and everything showed 0 %, in XXXX they sent me another statement which suddenly reflected a XXXX purchase not at 0 % which doesn't even make sense because why wouldn't that have been on the XXXX statement? Regardless, this account was clearly sold as 0 % interest for all purchases at sleep number for two years. If you review the statements you can see no interest on any purchases and then you see in XXXX an arbitrary ( it doesn't even match a purchase amount ) moved to being charged interest. 

Synchrony refuses to fix this and continues to direct me to the store, the store gives me the run around and claims that they have no knowledge of why Synchrony would be referring me to them. Incredibly shady!
I have with all three credit agencies to fix my credit reports and XXXX and XXXX have followed proper protocol as far as handling my complaint the problem comes with Equifax. I have submitted a court order to them on numerous occasions regarding XXXX and they still have yet to update my information, in fact I was to by a representative that because this company has my SSN that supersedes the court order which I know is false. They have items on my report that date back ten and thirteen years on my report and have their protocol to contest these items and they told that they were not going to remove even when I show them the law that state the time frame they should be removed. they have inquiries on my report dating back to 2013. I would like these items remove and my report reflect my XXXX and XXXX reports.
They do not offer any help on changing the repayment options. I am struggling to make a payment and they are not willing to help. Very rude.
Over the years I have been financially unable to repay this loan. My income tax refunds have been taken from me twice in the amounts totaling between 12 and 13K all together. Once in for the XX/XX/XXXXtax yr and once for the XX/XX/XXXX tax year. The moneys that was withheld was not applied to my student loans according to my credit reports, even though I was told by the IRS this was the reason I never received my refunds. My question is where is the money that was taken from me supposedly for this loan. Why is the loan on my credit reports multiple times totaling the same amount as day one as if they have received nothing. I can not get any loans, credit cards, or apply for a mortgage because this continues to hang over my head. It has literally been years and I am asking for help removing these inaccurate numbers from all my credit reports immediately. The credit reporting agencies have not verified any of this info to be true by sending me the original loan records minus the tax refund dollars. There for under the law they must remove the false information.
We have been stuck in an interest only mortgage for our personal residence with Wells Fargo for 10 years, which means we have not gained XXXX penny of equity in our home in the 10 years we have been paying our mortgage ( s ). We originally had a second mortgage that was extinguished by the National Mortgage Settlement, or Attorney Generals ( AG ) Settlement in XX/XX/XXXX. 

At the time we were in negotiations to settle our second mortgage with Wells Fargo ( XX/XX/XXXX to XX/XX/XXXX ) our home was worth about 60 % of what we paid for it in XX/XX/XXXX. We were current with our first mortgage, but because we were n't current with our second mortgage payments we were finally offered a full settlement of the second mortgage through the AG Settlement. This got us out from being underwater. However because we now had Lates and a Charge-Off on our credit report ( s ), by law ( according to every underwriter we have tried to qualify with ) we are now not eligible for refinancing, or any other kind of loan, for at least another four years after the second mortgage lien release was recorded with the county recorder 's office. 

It is apparently a similar penalty to a bankruptcy. It should not apply in our case because we qualified for the AG Settlement. Also our income is more than what is required to refinance, or take on other loans of similar principle and we have had no other problems other than this second loan extinguishment negatively effecting our credit report ( s ). What if anything is being done to correct the problem with this law?
They are Imposing on me a force-placed insurance on me when Ocwen knew or should have known that they already had adequate home-insurance coverage ... .I send them two faxes tell them this and no response back to me, I asked state farm my house insurance to fax over the declaration statement and other statements to them on the 2nd notice.they didnt respond to me either on that. and on the first notice i told them by fax that state farm had my insurance i will call them on monday for the 3rd time i dont know if this will be sucessfull or not. so i wish to submit my complaint in fear of possible foreclosure or extra fees that i dont have to pay. please email me at XXXXXXXXXXXX.
In XX/XX/XXXX I received a notice that I owed a debt on a utility bill. It was not in my name, but a botched version of my name, so I ignored it. I called the utility company and they said they had no record of it. 

In XX/XX/XXXX, I received notice on my credit report that this same company. Assett Acceptance of Michigan filed for a wage garnishment in XX/XX/XXXX and won it. They took my State income tax refund in XX/XX/XXXX. Still never giving me proof of this debt or showing me an original bill. They are a scavenger debt collector. 

They are using variations of my name. XXXX is my maiden name from XX/XX/XXXX, which I have not used since then. XXXX was my married name which I stopped using in XX/XX/XXXX. I repeatedly ask them to cease and desist but they continue to harass me for something they refuse to prove was valid. 

Can you help?
Ditech again misappropriated my funds to create any financial hardship it can to facilitate a default since it knows I am unemployed and Ditech refused to provide a HAMP modification for a completed XX/XX/XXXX application. 

Ditech is overcharging me and putting the money in escrow. It is attempting to use the fact that the escrow account is mine and therefore it is not taking money. 

However, it is still a misappropriation of funds and an increase in my note that I should not be paying. 

I was paying an additional {$10.00} per month for a total of {$1100.00} because there was an escrow shortfall. It was cured on XX/XX/XXXX, and in fact my escrow account is ahead. Yet, Ditech refused to make the adjustment in XX/XX/XXXX or XX/XX/XXXX when new escrow estimates are supposed to take effect. 

Also, Ditech placed {$72.00} in funds in suspense and then put the money in escrow. My note does not allow funds in suspense to be put into escrow. I asked for a refund and Ditech refuses. My note allows for refunds.
I have a complaint with Fedloan Servicing. In XXXX, I consolidated my loans with Direct Loan for public loan forgiveness. I have worked for a XXXX since XXXX, and I currently still XXXX for the XXXX XXXX XXXX XXXX. I qualified for the public loan forgiveness when it started in XXXX according to Direct Loans, who was servicing loans for the U.S. Department of Education. I, along with many others, were told that we had to make XXXX payments ( 10 years ) of payments to qualify for the forgiveness program. That was the only direction stated to us verbally over the phone. I have never missed a payment. In XXXX, my loan was transferred to XXXX, who became the new server for the U.S. Department of Education. According to my paper work, we just continued with the same plan. 
In XXXX, my loan transferred to Fedloan Servicing, which again was servicing the loans for the U.S. Department of Education. After the transfer, they stated that Direct Loans did not set up my forgiveness plan correctly and are not honoring any of my payments that date back to XXXX towards forgiveness. I am not the only XXXX is facing this problem. There are many people who were apparently set up wrong by Direct Loans, which to my understanding, was just the former name of Fedloan Servicing. I did contact XXXX, but they just seemed to pass and forward my complaint to different members of their group. I have also had many discussions with current Fedloan that has not reach a fair agreement with the original forgiveness program. 
All XXXX companies that have held my loan represented the US Department of Education loan forgiveness program. Overall, there is a big cover up and story here that affect many people. I and many others need your help.
I used Western Union direct bank for International money transfer for sending money XXXX. 
The money was transaction was done on XXXX XXXX, 2015 and they promised that money would be available on receivers account on XXXX XXXX. when I checked the receivers account on XXXX XXXX the money was not deposited. Then I call immediately to the Western Union XXXX Bank money transaction department. they said that the receivers bank was rejecting the transfer and money would be refunded to my account within XXXX business days. I was waiting for patiently those days and still money was not credited to my account. Every time when I call the representatives, they were saying that they were escalating the issues and problem would be solved within XXXX to XXXX hrs.But the problem would not solved, no one would be contacted and no follow up, waste of time, and money was not credited to my account. 
When I was using the XXXX or XXXX for international money transfer, money was deposited to receivers account on proper time with no issues. Even I discussed with receivers Bank Managers why money was rejecting when western union sending, they said that they are not rejecting it was western union problem.
My Student Loan Servicer XXXX XXXX has obtained my loans from XXXX XXXX with a consolidation option I have been with XXXX XXXX for 5 years. My loan amounts exceed what I originally borrowed the amounts continue to increase. I am not in default I have repeatedly asked to have my payments lowered but have struggled to pay. I have been certified for the loan forgiveness program through my employer they only credited me XXXX qualifying payments I need a total of 120. I have been with my employer since XXXX. I have made more qualifying payments than what they are reporting. My current loan balance is {$180000.00}. I need help.
on XXXX XXXX XXXX i filed a complaint file number XXXX XXXX regarding my account at XXXX XXXX XXXX XXXX to correct my paided account to transunion.. they did do that and also agreeded to honor customers request to have it removed from all three credit reporting agencies.. all have except transunion as of this date XXXX XXXX XXXX. i have sent them. transunion the attached letter from the cfpb response from them stating they would request removal of this account in which they sent me a letter stating they had recieved that info .... i have also faxed transunion a letter from XXXX XXXX XXXX stating that they have requested deletion of this account from my report// have called XXXX XXXX XXXX and they tolded me they have requested removal of that account NUMBER XXXX XXXX XXXX..and have asked transunion twice to delete.. in which they have not .. also account number XXXX ... .XXXX XXXX XXXX acct number XXXX was paided in full XXXX XXXX XXXX for XXXX it has been updated to paided in full .. but not deleted per request of XXXX XXXX XXXX for deletion per request of them to transunion. i have talked to them several times via phone also and they stated they have requested deletion by transunion..in which transunion has not done so..by looking that complaint you can see that they stated to that fact of deletion
Hello, My name is XXXX XXXX. I'm a XXXX veteren with a XXXX XXXX. I have no student loans and have been sent letters from Department of Education and NelNet that I have no outstanding loans. On my credit report student loans show up showing a balance of over 28k and late payments. This is all incorrect, I have no student loans. They where discharged years ago.
I received a letter collecting debt from a time share that I own. The original amount was XXXX. I called the Continental central credit, Inc to discuss and understand the debt. Through the years of owning this time share we have always sent money to XXXX resorts and then it was XXXX resorts. I have never received a bill from XXXX the time share organization. After doing some research and several phone calls with XXXX XXXX an employee with Continental Central credit, I agreed to pay the XXXX with XXXX payments a month. He refused to take any money saying that now the bill was XXXX. I told him that i never received a letter asking for this amount and that we never discussed this amount. He still refused to take any money and threatened to report the debt to damage my credit score. Our conversation about payment was discussed on XXXX XXXX, 2016 and by Saturday afternoon XXXX XXXX, I did receive a letter asking for the NEW amount of XXXX. This amount was never discussed and I am really not sure how XXXX XXXX and Continental Central Credit came up with the amount.
We have been making {$1000.00} payment since XXXX ( payment 24 ) to pay off the vehicle early ; I have called numerous times complaining about the payment history not reflecting the payment ; instead they are moving the payment due date into the future ; it appears they are charging double finance charges ; payment is $ XXXX/monthly which includes interest however, you will see separate charges for additional interest and the interest charges seems to be excessive. 
I ca n't even understand the payment history.
I noticed a collection from AFNI on my credit report in XX/XX/XXXX. The comments on my report stated the original creditor as XXXX. I contacted XXXX in XX/XX/XXXX to inquire about the debt. Although XXXX was able to confirm that I was a prior customer they were unable to retrieve any account information. XXXX informed me that if my account went to a collection agency the agency would be able to verify any debt by providing itemized account statements. On XX/XX/XXXX I contacted AFNI and requested account statements from XXXX. AFNI refused to send any account statements rather they just told me I owed them {$1000.00}. On XX/XX/XXXXI completed an online dispute through XXXX. Upon completion of that dispute on XX/XX/XXXX, no changes were made to the AFNI collections on my credit report. On XX/XX/XXXX, I again called AFNI and requested an account statement with XXXX charges verifying the debt they have placed in collections on my credit file. The representative offered me a settlement and I told him I was not interested in a settlement and that I only wanted verification of the debt. He told me he could send verification of the debt. I have not received that verification. On XX/XX/XXXX I contacted AFNI again to request an account statement showing specific XXXX charges. The representative became somewhat aggressive and asked me what was taking me so long to pay my debt. He told me that the prior representative I spoke to inXX/XX/XXXX offered me a settlement and that I needed to help him understand why 9 months had passed and I still had n't paid this debt. I explained to him that I do not feel comfortable paying for a debt that I may not even owe. I again requested an account statement showing specific XXXX charges. He told me he was unable to provide an account statement and that the only thing I could do is dispute the debt with the credit bureaus. On XX/XX/XXXX I disputed the debt through XXXX. Upon completion of the dispute onXX/XX/XXXX, no changes were made to the AFNI collection on my credit report.
cfpb I sent Transunion a copy of the Police report reguarding XXXX XXXX I have been asking Transunion to send the Original documents that they should have at the consumer Request But they have failed to do so Per the FCRA 609 & 611 ACT I HAVE EVERY RIGHT TO ASK FOR THIS INFORMATION BEING A VICTIM OF IDENTITY THEFT THE LAW CLEARLY STATES THAT THE REPORTING AGENCY HAS TO PROVIDE THIS INFO Transunion has totally broke the law I also ask for all information on the accounts in the previous dispute asap