WillisBack/dataset-financial-user-claim huggingface dataset:
From XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX 1. The credit Bureau will not correct my address I have sent over 10 letters to have my address corrected and still it has not been done. All I GET IS VERIFIED AND THEY OPEN A FRAUD ALERT JUST TO CHANGE AN ADDRESS. THIS IS NOT THE PROCESS. 
2. I have sent over 10 letters to all the inquire COMPANIES on my credit report to have them REMOVED and get no reply from the creditors. All I get from the credit bureaus is VERIFIED AND THEY OPEN A FRAUAD ALERT. I have informed the credit bureaus.. I get no reply and they ignore me and open a fraud alert. 
3. By court order the bankruptcy and all accounts in the bankruptcy are to be removed from my report XXXX the state of XXXX because the credit companies did not do a good job at investigating the inaccurate info on the bankruptcy and READ them. They opened a fraud alert. 
4. The answers for anything is open a fraud alert not do the work of removing inaccurate info. 
5. This is what needs to be done 6. a. remove all fraud alters 7. b. remove ALL inquires I have not applied for credit DO N'T SAY VERIFIED!!!!!! 
8. c. remove bankruptcy per the order and all accounts in bankruptcy from my credit report 9. Change my address!!!!!!
Back in XX/XX/2018, I tried to re-write my Loan with XXXX XXXX. After several calls, To check the status..approx. 75 days later I still had not received a approval or denial. After finally making a complaint with XXXX customer service. I received a denial on the re-write.This being almost 3 months later. XXXX did contact me in writing stressing being at fault, not how they usually handle customers. Well I was told not to pay any payments while in review. This putting me behind in payments 60 days or more. Well XXXX  sent it to a collection agency as a written off debt. XXXX  informed the collection agency to work out a payment arrangement. Well This has yet to be done.
I wrote 2 letters, one on XX/XX/18 and another on XX/XX/18, asking for the company to send me the contract I signed with them. I asked for documented proof, such as a contract with signature, for the alleged debt that they state is mine. I have received no proof as of yet. I have also asked them to send me their license and bond information to ensure that they are licensed to collect in the State of Texas. I have not received that either. It's been almost 2 months.
Hello I just made a large payment of {$650.00} to my XXXX card two days ago online. The amount has been recorded to my account as shown. However that new lower amount due is not showing on my credit report leaving me with a higher, older balance due, larger credit utilization and as such when I pull my FICO score, a lower score. Because I would like to move into another home and become pre-approved, as soon as possible, my chances of the best terms have been and are being impaired do to the latency of the automated system update cycle. I am requesting a forced manual update of my balance to the credit bureaus by validation method as per procedure in FCRA section 623.
TransUnion is reporting XXXX XXXX XXXX XXXX on my credit report and the account is being reported inaccurately. I 'm a victim of identity theft and they make me speak to a special department whereas they do n't take the time out to investigate the information that 's provided to them. I was told by XXXX that I have a mix file with a person that has a similar name as mine or address, they found it was n't mine and removed the negative account from my profile.This company also tells XXXX that it was included in a bankruptcy but I never filed a bankruptcy. Every time I try to explain this to TransUnion I get push back stating that it 's verified. The million dollar question is how are they verifying it with you as they 're stating with another bureau that it 's XXXX balance and is in a bankruptcy that does n't exist. Please find I 'm enclosing evidence that supports my claim.
The documents will detail that I attended the original creditor institution, the University XXXX Kentucky, and that I withdrew in XXXX of 2011. This led to me becoming delinquent within 90 days after that withdrawal ; no payments were ever made within that time frame towards the remaining tuition balance. The account was sold, and has ended up being listed under Alltran XXXX. The Open Date reflects the date Alltran purchased this debt and is in no way reflective of the date of first delinquency. The DOFD needs to be updated to reflect reality and the account in question should be dropped as it has illegally re-aged this debt. The debt was also paid in full to Enterprise Recovery Systems, but the name was changed when the company changed their name to Alltran XXXX and my credit reports do reflect that.
In XXXX I opened an account with Synchrony Bank to finance flooring for my home through XXXX XXXX. I signed up for a 12 month interest free promotion. I paid the account off in XX/XX/XXXX, prior to the interest being due and on XX/XX/XXXX I received an email stating that I have a XXXX balance. I never used the card again and I was even issued a refund in the amount of {$47.00} for overpayment, which is expected since I paid more than the balance on the statement to avoid any interest. 
After a couple of months I started to get phone calls from Synchrony Bank stating that I have a balance outstanding in the amount of {$47.00}. I spoke to several representatives over the course of almost a year and I had lengthy conversations along with lengthy wait times while the representatives tried to figure out what the problem was. I received a number of excuses, none of which made any sense and when I asked for my issue to be escalated I never received a call back. Now this {$47.00} erroneous charge has resulted in an over {$200.00} charge and erroneous late payments on my credit report. I disputed the late charges with the credit bureau and Synchrony still refused to correct their error and update my credit history. 
As I have explained to the representatives if I owed this amount I would have no problem paying it, just as I have paid them over {$4000.00} for my flooring over the past year. But no one could even tell me where the charge came from or why they would issue me a refund check in the same amount that they are telling me that I owe. Was the refund check a scam to get me to initiate new credit with them? Or was this Synchrony 's way of making me pay additional since I got an interest free credit card, per their promotion? I need some answers and most importantly I need my credit report corrected since I pay Synchrony and all of my other creditors on time.

To add more insult to injury, Synchrony has sent this account to a collection agency which will further harm my credit standing for their error. 
I have documentation that I would like to attach to this complaint if possible. 
Thank you for your time.
Approximately late XXXX, I had a door to door sales rep offer me an alternative energy provider. They had promised me a reduction in my electric bill and I had agreed to sign up. However, after the first month, it turned out that they were charging significantly higher rates than my previous supplier. 
This, understandably upset me and I called the company to get an explanation. I was put on hold until my call was disconnected. I called back several times over the course of 60 days. to cancel my service and was put on hold until the call terminated. I was not given a chance to cancel my service and was forced to resume services with my previous supplier. 
Currently they have hired a debt collection agency to come after me for a bill that I do not believe to be my responsibility. This company has provided substandard service and unfair business practices. They should not be allowed to mask their bullying tactics behind the age of the debt or through a XXXX party that has nothing to do with their actions.
I called for an extension on my car loan in XXXX 2016 and was given false misleading and the incorrection procedures. <P/>I am in receipt of your response on the CFPB portal stating that my dispute of items in my credit report was Denied. I am upset that Chrysler Capital would try such a blatant stall tactic. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. <P/>1. Your representative never told me about an email if I was told when I didnt receive this email I would have called back. <P/>2. Your rep stated that you emailed a jmoore email address. I dont have an email address that starts with jmoore YOUR REP ADMITTED THIS FAULT ON YOUR END!! THIS IS YOUR ERROR! <P/>3. You state that you report information accurately then you state that you are not a credit reporting agency and that you have no control over the contents reported by the CBA, this makes NO since its clearly states that you are reporting me late for something that Is CHRYLERS ERROR! Again you are at fault because I was given False and misleading information and now you are FALSELY REPORTING THAT I WAS 30 DAYS for these months AND It 's NOT TRUE! My mother is XXXX XXXX XXXX XXXX, and you are causing me great heartache over something that is not my fault. At this point, I am highly upset about your dishonest business practices Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission.
I have attempted to Receive a forbearance on my loan because I am back in school. I have called Aes Numerous times. Each time I receive different information. I have attempted to work through email but they refuse and will only discuss details over the phone so I do not have anything in writing. I submitted requests through their online form. In the end I had to wait for a forbearance form to be mailed to my house as they would not let me receive it via email, fax, or online form. The letter never arrived so I had to request again, all the while my debt is piling up. After receiving the form, I faxed the signed portion directly to the processing center. A few weeks later I receive a physical letter notifying I have ben denied because I did not fax the entire agreement, the first page that did not require a signature was missing. At this moment I faxed the entire agreement back to aes, called customer service and waited for a response. Was told to wait. Today, XXXX XXXX I had still not heard an answer and the debt was severely damaging my credit so i called aes. Was notified they only received one page of the agreement the second time and that I was no longer eligible for a forbearance because it has been over 120 days. I have receipts of the fax and phone records as well as screenshots of my form submissions. They have been extremely difficult to work with and seem to have done everything possible to deny and progress towards delaying payments. Previously I had been making payments consistently for 3 years.
Ordered credit report today XX/XX/2018 noticed  fraudulent accounts under an old address of mine
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXXXX/XX/XXXX, XXXX Loan # XXXX - XXXX XXXX Dear Sir or Madam, I have contacted XXXX and the three credit organizations to date. XXXX is the only company that has complied with my request. I am writing to dispute the following information on my credit history. Previously, I had a second mortgage ( Loan # XXXX ) of {$40000.00} attached to my former home at XXXX XXXX XXXX, XXXX, MA XXXX. This loan was discharged when I filed bankruptcy ( See enclosed paperwork ) on XX/XX/XXXX. Years later, I voluntarily reached out to XXXX and offered to pay half ( {$12000.00} ) of the amount remaining ( {$23000.00} ) that I had previously owed. I was under no obligation to do so since the account was closed in bankruptcy. Unknown to me at the time, this action tainted my credit. Even though discharged in bankruptcy eleven years ago the credit entry by XXXX states : " Settled/Paid in full less than full balance : Conventional Mortgage : Closed. '' I am requesting that this item be removed from my credit history due to age ( XX/XX/XXXX ), or removed because the account was closed, or it should state " Conventional Mortgage : Closed. '' Enclosed are copies of my discharged bankruptcy of XX/XX/XXXX and copies of the XXXX XXXX  XXXX formerly doing business as XXXX XXXX - Mortgage Release statement, which support my position. Please inform Experian, XXXX, of this change. XXXX  has already complied with my request. Many thanks for your help. Sincerely, XXXX XXXX enclosed : United States Bankruptcy Court, District of Massachusetts ( XXXX, ) Discharged Closed XX/XX/XXXX XXXX XXXX - Mortgage Release Statement, Discharged Closed XX/XX/XXXX
I have requesting validation of debt owed regarding the {$5100.00} XXXX balance and Agency Fee {$1600.00} totaling {$6700.00}. 

{$1600.00} Agency fee can be considered as a unfair practice. 
The extra fees are not permitted I requested Cedar Financial send the original credit agreement where it states that {$5100.00} can be increased to {$6700.00} due to agency fee. 

I asked for payment options of 12 months or more. The agency would not allow more than 12 months or but promoted a XXXX lump sum payment. 

Cedar financial Ph : ( XXXX ) XXXX XXXX Direct : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXXXXXXXXXX www.cedarfinancial.com XXXX
Due to my undue hardship in XX/XX/XXXX & my efforts made to lessen my debt burdens, which included my Student Loan with the XXXX XXXX XXXX XXXX, I filed a Chapter XXXX Bankruptcy in XXXX XXXX. Legal documentation & evidence that my hardship would cont. for a significant time period was provided to the XXXX XXXX XXXX XXXX XXXX XXXX. And, I had the good faith through making the effort to repay my Student Loan from XX/XX/XXXX thru XX/XX/XXXX. A determination of undue hardship was granted by the U.S. Bankruptcy Court XXXX District of California filed XXXX XXXX, XXXX. My Student Loan debt with XXXX XXXX of {$77000.00} was included included & listed as a creditor. During this time period I made the necessary interest payments on my student loan because, I cont. to receive calls from XXXX XXXX Servicing Center explaining how I can avoid extensive collection action after my Chapter XXXX was satisfied which would include salary attachments, liens, & unable to regain eligibility for any Federal Student Aid. In XXXX XXXX I received my Chapter XXXX Final Decree & Case Summary with a case completion letter from the Trustee. I shared this information with XXXX XXXX Servicing Center with no success obtaining a full Discharge. The interest payments cont. until XX/XX/XXXX. In XXXX XXXX, I received a letter of notification from XXXX XXXX informing me that my, " loans starred ( * ) below '' {$77000.00} had been paid in full because they had been consolidated into a new loan. I was instructed to send all future payments for these loans to the new Student Loan Servicing Center, The XXXX XXXX XXXX Federal Direct Loan Program. I had no knowledge of any signed documents or my approval due to my loan had previously been discharged. The XXXX XXXX XXXX Program Annual Statement listed my Student loan transfer information beginning XXXX XXXX, XXXX and ending XXXX XXXX with a balance of {$0.00}. However, the XXXX XXXX XXXX XXXX listed my transfer balance from XXXX XXXX of {$160000.00} not the original balance listed on my bankruptcy of {$77000.00}. My loan was transferred to the Income Contingent Program while the XXXX XXXX XXXX XXXX investigated my report. However, my loan transferred to AES ( American Education Services ) in XXXX XXXX & my Plan was changed to a XXXX XXXX XXXX without any reference to my Discharge in XX/XX/XXXX. Another transfer to XXXX XXXX Loans in XXXX XXXX thru XXXX & back to AES in XXXX XXXX to present. After sending several faxes, mailings, telephone calls, contacts from AES, I only to cont. to receive information that their XXXX. did not receive any of my documents or they never received any information about my Chapter XXXX Bankruptcy in XXXX, who signed for the documents I sent & that the name I supplied has no reference to AES or anyone within their Dept. I am at a loss. I cont. to receive letters/notification for payment & the requested monthly amt. has increased to over $ XXXX/month regardless of my student loan under investigation within AES 's Bankruptcy Dept. And, the claims Rep. cont. to remind me that I have exhausted all means of forbearance/deffer. Programs at this time.
I decided to close my checking account at PNC bank as i found their website and online banking very complicating and extremely confusing. Because i donot really understand their site settings i was afraid of using it. As of XX/XX/2018 my account balance was {$25.00}, so i paid the same {$25.00} to my credit card to zero out my account balance. I planned to close the account as soon as the payment is clear and my account has XXXX balance. But on XX/XX/XXXX i noticed my account has a negative balance because PNC bank charged me overdraft fee. So i both called and sent them a secured online message to inquire and explain to them that i just wanted to zero out my account balance of {$25.00} and then close my account. I didn't overdraw a penny as my account was clearly showing a balance of {$25.00} before i made the payment for the exact same amount. I asked them to remove the fee and close my account but they refused. After i asked to speak with the manager, the representative agreed to submit a complain and promised to call me back within 48 hours. But 5 days passed and nobody called me back. I sent them a online message again but they still gave me a run around and refusing close the account. Today i notice they charged overdraft fee again so the account 's negative balance is growing larger.
I have contacted TRANSUNION bc I recently have gotten a few credit inquiries that I did not authorize It has been unusually back to back requests for credit. I have a business and recently let go my partner, so I am not sure if this was them seeking business credit on my behave or if it was a problem with transuniion system error recently, I deal with a lot of foreigners so I 'm not sure if this is fraud or just a error with trans : I should only have   XXXX   KNOWN CREDIT INQUIRIES THAT I AUTHORIZED MYSELF!!!!
IT IS CURRENTLY  XXXX !!! Which is ridiculous bc I did not do these!!
BELOW ARE THE INQUIRIES I DID NOT AUTHORIZE AND I HAVE CHECK MY RECORDS AND LOOKED UP COMPANIES TO SEE IF THEY ARE MINES, IT IS NOT I HAVE ALSO CONTACTED TRANSUNION AS WELL AS THE COMPANIES AND EVERY REPLY STATES THAT I HAVE MADE WHICH ANYONE CAN REQUEST A LOAN ONLINE :   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX    XXXX   XX/XX/XXXX  XXXX  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX  XX/XX/XXXX  XX/XX/XXXX  THESE ARE NOT MINES AS AT ALL /NOR AM I AWARE OF ANY OF THIS, LAST YEARS REQUEST :  XXXX  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX
There were suspicious hard inquiries about my credit that I did not authorize. It happened XX/XX/XXXX and XXXX. I was at work on those dates but I received a notification that there were changes on my credit report thats why I log in to my account. I saw that there were atleast 7 hard inquiries from different companies that I did not authorize. That is unlawful and that is illegal viewing of my finances. I never gave authority to any body to view my credit, especially without my knowledge. It was for car loan credit inquiries. I went to XXXX car dealership in XXXX and spoke to the manager. I told the manager that they run my credit without my permission and I really wan na complain about it. I told them that its a serious matter for me and I felt very threatened and furious of what happened. It could be identity theft and I was so sleepless for two nights because of that. I was told by the manager that somebody represented me on my behalf and told them that shes my nom. They ran my credit without my consent for several times without even double checking and asking for my ID. I really felt that these companies violated my privacy and rights. I am so afraid and XXXX off right now at the same time and I wan na take this in legal action.
I received a phone call today from the collection agency representing Ace cash payday place telling me that I have to give them a credit card or prepaid card today or they 're going to sue me I have iced them that I 'm XXXX and XXXX and if we can please have this conversation tomorrow when I 'm feeling a little better and I will have you know my information ready to provide and they said no they 're just going to take me to court and now that my dad will go from XXXX to XXXX
I settled a debt with BARCLAYS BANK DELAWARE thru their Collection Agent XXXX XXXX XXXX XXXX. My original debt was around {$2300.00} and we agreed to settle for the amount of {$930.00} three monthly payments were deducted from my bank account ending in XXXX. This account was paid per settlement agreement on XX/XX/2016. I was aware and accepted that I will receive a XXXX at the end of the year to report on my Federal Income Tax. The issue is that I have, is that BARCLAYS CREDIT CARD refuses to update this account as settled and paid with the XXXX major credit bureaus. I have sent them letters and called but they still have not complied with my request. As of XX/XX/2016 on a recent credit report pulled by XXXX, this is the information that states related to my account : " ACCT SUBMITTED TO COLLECTION ; CUSTOMER UNABLE TO LOCATE SUBJECT ; CHARGE OFF CHRG {$2300.00} ; CLOSED BY CREDITOR ; PAST DUE PAST {$740.00} ''
I submitted a request to Penny mac in XXXX for a loan modification. This was my first attempt at loss mit and I had a period of unemployment before I started a new job. They immediately denied me for not being eligible until the I had the loan at least 12 months. I called them and they told me to reapply after XX/XX/18. I submitted a request towards the end of last month and they sent me a letter stating they were reviewing it and would reach out for any additional items needed. This is my first home, my first eligible attempt at a loan mod, and my loan was not yet in FCL. XX/XX/18 they sent me a letter with the same denial reason but I have had my loan more than a year and I was following their guidance they gave me in XXXX. I also just received a FCL notice from an attorney dated XX/XX/18 stating my home is now in FCL. It seems like they gave me wrong information in order to put me in a position where they can FCL on my home. Please help me.