WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION XXXX DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX  which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
From XX/XX/XXXX I had to take forbearance on my loans from medical school serviced by Navient and XXXX XXXX because every time I attempted to determine my income based repayment amount it was several thousands of dollars despite that I made a resident physician salary. The calculator was confusing and I even reached out to my XXXX school financial counselor for help who was similarly perplexed, noting that it should have given a much lower repayment amount, even XXXX dollars, based on my income. I thus accrued much more interest by needing to enter forbearance. I have since re consolidated my loans, but I read about the claims against Navient and wonder if this is why I was never able to enter IBR.
On Thursday XX/XX/XXXX I sent Source Receivables MGMT ( SRM ) a letter to see if their client XXXX is still willing to settle my debt for less than the full amount so that I could paid it off. SRM sent me a letter back dated : XX/XX/XXXX. In that letter they stated they were in receipt of my offer to Settle the XXXX account. That letter stated : Please be advised we are willing to accept your offer to settle for {$500.00} due by XX/XX/XXXX. I withdrew money from my Savings account deposited in my checking and sent them a bill pay on the XX/XX/XXXX. I was able to view the cashed check online. It was posted to SRM 'S account on XX/XX/XXXX. I honored my word by sending in the money to settle before the date it was due. I have a copy of the letter, proof they cashed the check but when it came time to reporting to the agencies they chose not to. So I then Initiated a dispute with XXXX and XXXX. XXXX claimed I owed the full amount per SRM per my first completed dispute report I got back in the mail.. I immediately called up XXXX on XX/XX/XXXX and explained my situation. The rep at XXXX Stated the collection agency is still saying i still owe. I asked her if she got my pdf of my proof of settlement. She said she did. I said based on that letter your reporting is incorrect and you are violating the FCRA. The letter written by SRM to me clearly stated they were excepting my offer to settle. They ca n't circle back and say I still owe a remaining balance. That 's why its called a settlement. So then she said she 'd put in another dispute for me. I told her it should be reported as Account paid in full for less than full balance. Settled.. That same day, XX/XX/XXXX. I sent a fax to SRM which included my letter i wrote them, their reply accepting the settlement amount and lastly a copy of the paid check front and back. On the cover of that fax attn : XXXX XXXX. Per our agreement this account was settle on XXXX. Why is it still being reported as owed/unpaid? XXXX/XXXX were to be updated as paid in full for less than full balance. Settled. I also included my phone number and email address. Needless to say they 've never responded. XXXX ended up fixing the incorrect reporting. However XXXX is still reporting incorrectly. I just got the 2nd dispute back they updated what i paid but are still stating I owe {$580.00} and its past due. That is not right!!! This account is a PAID SETTLEMENT and SRM needs to honor their word and report as such. I have it in writing.
XXXX XXXX aka NMAC has reported a 30 day late payment to my credit report purportedly occurring XXXX 2015. This payment was not made late and I have attached supporting documentation evidencing the date payment was made.
My complaint is with Sears Master Card XXXX XXXX XXXX, XXXX XXXX, SD XXXX.They changed the limit of {$250.00}. The XX/XX/XXXX statement came with a balance of XXXX. I called and they said the limit went up to {$350.00}. I contacted them but they still said I am responsible because the computer does this automatically. I did not receive that letter until after the fact ( I am have my mail monitored by the USPS because we have not been receiving our mail ). I called to stop the charges immediately and I paid the {$250.00} I agreed upon initially but said I will pursue this further. Then I received another bill on the XX/XX/XXXX for {$460.00} which did not reflect the {$250.00}. The next statement for was XX/XX/XXXX was for {$260.00}. I explained to many representatives and the Acceleration Dept. that I am XXXX XXXX XXXX, on Social Security and working part time. The charges went for resumes for work and the fees for resumes are flexible which drove the bill past {$250.00} which I thought was the limit. I challenge anyone to tell me that they read every long microscopic detail of the credit card company 's explanation for why they are doing me a favor changing my credit limit. 
Supposedly, I have been a valued member of this company since 2011 and been paying my bill promptly since then. I received a letter on XX/XX/XXXX from XXXX XXXX, Executive Response Unit - XXXX I appeal to you for help
In XXXX XXXX I leased a XXXX Nissan Rouge for a term of 39 months. I returned the vehicle in XXXX XXXX with XXXX miles under the allowed amount of XXXX miles, and the vehicle passed the end of lease inspection without any damage. The vehicle has since been sold by the dealer XXXX Nissan as it was in excellent condition and had very low miles, XXXX, so XXXX Nissan has made a very significant profit on this lease, as well as Nissan Motor Acceptance Corporation, XXXX. XXXX XXXX. XXXX, Texas XXXX. Recently I received an Invoice for a Disposition Fee plus Disposition Fee Tax for a total of {$430.00} because I chose not to lease a new Nissan or utilize the option to buy the car I leased. After examining the Lease Agreement I found no mention whatsoever of a Disposition Fee anywhere in the paperwork. If I had seen such on the lease agreement I would not have leased the vehicle in the first place. For this reason I 'm asking you to contact Nissan Motor Acceptance Corporation and have this unacceptable fee waived due to non disclosure.
I had begun paying my Federal Loans using Navient 's online payment system then for some reason the website stop taking my payments. An error prompt would display saying that my requests could not be completed. I tried many different web browsers and operating systems and the problem continued. The lack of not being be able to pay my loans online resulted in a major inconvienence and displays a huge chunk of customer service/satisfaction on Navient 's end. I called in to let Navient know that this issue was happening and the Reps told me that they were able to simulate the payment process and that it was all working on their end. They even walked me through the process to ensure that I was doing it correctly and the issue continued on my end. This resulted in me having to call and spend atlast 30 mins on the phone and be threatened with a processing fee in order to pay my loans on time after doing this for a few months in a row I decided to hold Navient responsible for the errors in their website and this unfortunately has forced my account to go delinquent as I am still not able to pay them online. I continued to bring this issue up and nothing was ever done about it, I was told to contact the Tech Support Team regarding this issue and I was never contacted back and here a we are a year later with the same problem and no solution. I have tried contacting Customer Service by email through Navient 's website and as soon as I finish my letter and press send I am told that I do not have access to such a feature. I tried this on different devices and operating systems and the issue continues. I have also tried contacting Customer Service by Phone and I am redierected back to the Collections Departament, and everytime a Rep claims to transfer me, the call is ended and I am back at square one, almost as if no one wants to talk about this issue or take care of it, yet they still demand their payments. 

I have also asked Navient to stop monitoring and recording my calls in order to protect my privacy and everytime I ask them to do so, they disregard my request and hang up on me, I feel this is very wrong as I as an American Citizen have rights and never agreed nor signed anything that allows Navient to monitor and record my calls. 

I had been offered to put my loans in forbearance but after seeing so many horror stories on the news I feel that it is not safe to do so without at least presenting my issues to the public and CFPB.
XXXX with XXXX XXXX making several phone calls a day from an unknown number. This includes Sunday, and between hours that are not permitted.
Lending Club led me to believe that my loan had been approved when in actuality it had not. They continued to request documents, to the point where I realized they had never approved it to start with. Yet one week ago when I applied, their website stated " Your {$1200.00} loan is on its way. '' This is deceptive as there was never a " loan on its way. ''
i had fraud on my acct. contacted BBVA over 30 times and never can get a answer. Just get transfer. No one has answer! I had money taken out of my acct and kicked out of bank for weapon. I have police report i contacted XXXX can never return calls. Its been since XX/XX/XXXX over 90 days. I return calls. Perosn called me and said they work for bbca and i told them the issue and they put me on hold called someone else and chatted for hour and they told me they call me back 4weeks ago for XX/XX/XXXX. I called on XX/XX/XXXX spoke with XXXXpeople XXXX cold transfer and now i been on the phone for 1 hr and still nothing. Money was stolen from the acct and charges made also. BBVA COmpass bank. Visa debit card.. XXXX in Fraud dept stated theres not really any notes to go off of. She get in contact with another dept tomorrow. It also takes hours to get a hold of someone. They stated they send me all this stuff still nothing. I call each time i get transfer around the call center. I called so many people and no phone calls return. I call during business hours. They state they have called and left vociemail nothing. i have phone calls recorded and video of inside the bank and also call logs. Its be posted on social media and etc by XXXX XXXX if this is not taken care of.
I am providing them with a theft affidavit, which is a request for a Reinvestigation, this is not the same as the last dispute. 

I am officially requesting a block be placed on this item. You will find my Id theft affidavit attached. Do not report this information any further to any of the credit agencies. 

I requested that you inform me of how my identity was confirmed by XXXX when the account was opened. Your company informed me that you didn't have that information. Im not sure how you can report to credit agencies if you have not confirmed my personal identy. I reached out to XXXX. They informed me that they did not collect a photo id when they opened the account. Thier privacy policy also confirms this information ( see attachment ). I requested from them all personal identifiable information they have collected on me. They had an adress that was wrong, a phone number that was wrong, an email adress that was wrong, my social security number, my date of birth, but they did not have a photo id. They did not verify that it was me who opened the account. 

When speaking with your company you informed me, that you do no have a department set up to investigate id theft, I would have to contact XXXX, to have them investigate it. XXXX is not required to investigate it by the fair credit reporting act, because they are not a furnished of information to the credit agiencies. You, however are, and are required to do so if you report to the credit agiencies. I have a right to dispute and request investigations, as well as Reinvestigation directly with you. And because you are a furnisher of information to the credit agiencies you are required to respond and act in the same manor and time line the agencies are. 

I requested that your company investigate the date of delinquency, as it does not match the statments you provided to me, nor does it match the date XXXX said the services were terminated. You told me that was information XXXX provided and that it is accurate. It doesn't matter if XXXX is accurate, they are not reporting to the credit agencies, however you are, you are required to be accurate or delete the item. XXXX says services were terminated XX/XX/XXXX. The date of delinquency has to be that day or before. It can not be XX/XX/XXXX. You are required by law to update the information or remove it from my credit history. You have 30 days to investigate it and make corrections. The person on the phone only paid me lip services and took no action to investigate it. This is in clear direct violation of the fcra.
On XXXX I only have one of the two XXXX entry because from some miracle I disputed them both 6 weeks ago and they took one off and not the other. I talked to XXXX and they said they sent an electronic message to XXXX  stating the XXXX delinquency as XX/XX/XXXX. They said they sent this on XX/XX/XXXX. I sent a dispute attaching proof that the date of delinquency is XX/XX/XXXX therefore it should be off my credit report. Since then XXXX  reported back to me they did there investigation even after I sent proof to them with what I attached from XXXX, they still have not fixed it and state that the date of delinquency is XX/XX/XXXX. I asked XXXX  even having proof of the date of delinquency from XXXX you have not removed it from my credit report and they said XXXX says it is right XX/XX/XXXX date. I asked what is the point of sending proof they said to me even if your correct and you have proof from the creditor and the creditor still reports wrong we will always do what the creditor says. I said so proof doesn't matter right and he said in your case it does not matter. 

On Equifax I have two XXXX entry I talked to XXXX and they said they sent an electronic message to Equifax stating the XXXX delinquency as XX/XX/XXXX on both accounts. They said they sent this on XX/XX/XXXX. I sent a dispute attaching proof that the date of delinquency is XX/XX/XXXX therefore it should be off my credit report. Since then Equifax reported back to me they did there investigation even after I sent proof to them with what I attached from XXXX, they still have not fixed it and state that the date of delinquency is XX/XX/XXXX. I asked Equifax even having proof of the date of delinquency from XXXX you have not removed it from my credit report and they said XXXX says it is right XX/XX/XXXX date. I asked what is the point of sending proof they said to me even if your correct and you have proof from the creditor and the creditor still reports wrong we will always do what the creditor says. I said so proof doesn't matter right and he said in your case it does not matter.
I have had this account with XXXX XXXX XXXX XXXX card since on or about XX/XX/XXXX. ( I had the card before this date but XXXX XXXX bought out XXXX ) I have never been late, never carried a balance, never had any problem until XX/XX/XXXX when I tried to access may account on line like I always have about once a week to make sure no one is trying to use may account. When I tried to log in to my account on, or about XX/XX/XXXX I received a message that I  could n't check my account on line until I gave them some some personal information, like my social security number ( which they already have ) bank account number, and other personal information that I do n't consider any of their business. ( I will attach some of their requests if possible ) I have not requested an increase in my credit line, or any other requests.I would have discontinued the account but I was afraid it might hurt my credit score, my line of credit on that account is about {$9000.00}, I have a score of XXXX on my last report, this month of XX/XX/XXXX. I  feel they are trying to force me to submit information I do n't want to give.
I have contacted XXXX XXXX XXXX ( the collections agency ) through the BBB ( please see attached ). I know nothing about this debt I have requested from the company anything with my signature on it or any type of statements. They have never contacted me regarding this debt. They claim they tried to call and I have never received anything in the mail, I know nothing about this supposed debt.
Our XX/XX/2017County Taxes have not been paid. We have never been late on our mortgage payment. This has never been a problem until Flagstar Bank took over our mortgage in XX/XX/2017. I have forwarded the delinquent notices 3 times and have been told each time that the bill will be paid. We just received another notice saying that they still have not been paid and that the home will go up for sale if the taxes are not received.
Date : XX/XX/2018 Amount : {$1000.00} Contacted my bank USAA Savings bank to stop wire transfer 10-15minutes after transaction and also visited XXXX XXXX XXXX branch to also stop payment, no one could help me, BOTH only advise me to contact person who the wire transfer was sent to which was my Old landlord in XXXX which we didn't end terms amicable and now i live in XXXX. I did however send landlord e-mail requesting money back. Final Word on the both banks mentioned here was that money was already posted and couldn't get it back. Below is what happen : I wanted to transfer money from MY checking account to My savings account within same bank BUT Money got transfer UNINTENTIONALLY from my savings account to another bank Institution which we had business with in the past " old landlord bank account ''
On XXXX XXXX, I received a third-party communication from an Experian partner regarding their Credit Check monitoring program. I decided to try their services utilizing their {$1.00} trial. 

On XXXX XXXX at approximately XXXX, I called and cancelled this {$1.00} trial as the service was constantly interrupted, freezing or forcing me to change my password due to some internal error. The agent assured me I would NOT be charged {$21.00} moving forward. 

Since then, I have been charged in XXXX, XXXX, XXXX, XXXX, and XXXX for a product I did not want. That 's {$21.00} x 5 ( {$100.00} ) that I have been fraudulently charged. 

As I transact quite frequently each day, it appears these charges slipped through the cracks. 

I called their XXXX today, XXXX XXXX at XXXX. The representative was rather rude, stating they only give back 1 month. I never authorized 5 months, so why does Experian get to keep my money? That 's consumer theft. 

This type of behavior is why CFPB needs to regulate companies like credit bureaus.
I was out of state on vacation and attempted to use my Capital One card. The transaction was denied. then I tried to use another one and it was denied too. I called Capital One and they told me that they closed my accounts but could not tell me any information of why my accounts was close. I was stuck in New York with no way of paying for my hotel or rental car. I had to have family send me money. I was so embarrassed and humiliated that my cards were declined right in the middle of vacation. Then when I call capital one the rep was rude and could not give me a reason why. I later received letters for the 3 closed accounts but still no real information was provided. I need my Capital One card. They are the only company I have a credit card with. I worked hard for my credit and I do n't fill like its right for them to tell me to reapply.
My XXXX Prepaid Visa Card by XXXX XXXX was loaded with funds on XXXX/XXXX/2015. Account was frozen following that date with no ability to access funds, pay bills, perform debit POS transactions, etc. Calls to XXXX XXXX since then have resulted in a Case # being opened ( Case # XXXX ). I called them on XXXX/XXXX/2015 to discuss the case and was told that I had to submit a picture of my drivers license, a picture of me holding my drivers license, and copies of receipts for the reload packs used to put money onto the prepaid card. This information was all submitted within hours of that phone call. I then received XXXX subsequent phone calls, which I was not able to answer. The second call left a voice mail stating that the case was now closed since they could not get in touch with me, even though I had already discussed the case with them and sent in the required documentation. I then called again on XXXX/XXXX/15. They called me back and asked me endless identity verification questions ( # of children, ages, if my children were in the XXXX, etc. ). After answering all questions correctly I was then told I had to send in ANOTHER document ( a copy of my utility bill with my name on it ). I informed the risk agent ( XXXX ) that I was away for the weekend and would send it in on Monday the XXXX. I was informed that I would have to create a NEW ticket and begin the process again, because they could only keep a ticket open for 48-hours, which is absurd. I informed XXXX that all I want is to close the account and get a refund of the balance on the account. I have recently moved and offered to XXXX that I could provide a copy of the purchase agreement on the house showing the new address that I could access thorugh my email on my smartphone. This was not sufficient in XXXX 's opinion.
There are XXXX negative reports on my Transunion credit report, name of the collection agency is XXXX XXXX. There are XXXX accounts in collections, XXXX for {$1100.00} and XXXX for {$520.00}. I disputed both reports and the final result dated XXXX XXXX 2016 was that both accounts have been verified and will stay on my credit report. That ca n't possibly be true because I received a letter from the original creditor, XXXX XXXX XXXX XXXX indicating my account has been satisfied dated XXXX XXXX 2016. I attached a copy of the letter for your review, kindly update my credit report.
I attended XXXX which is located in XXXX, i was told i would find a job easily after graduation but the reality is that career representatives will push job leads requiring 4 to 6 years experience so i would wonder why??? The curriculum was out of order. Some classmates were denied education due to late payments. So now i have a minimum wage job to get me by in life while i have to pay student loans for an education that im not using.
I paid a third party collection agency for a debt that still was not verified as accurate to be paid. The University of XXXX sold debt to XXXX XXXX XXXX. I settled the debt with them XX/XX/XXXX in which I made payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to cover the settled amount XXXX in three payments XXXX. Well I received another collection letter in the mail from a new debt collector for the same balance offering to settle for XXXX. I explained to the other creditor that I have already paid the debt to a different company they stated they received the file this year XX/XX/XXXX from the University of XXXX