WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I am writing again to address a paid collection showing on my Experian credit report. The account is from XXXX XXXX for a closed XXXX account that is over 7 years old. In investigating with XXXX XXXX and XXXX it was determined that the account was sent to collections because bills were sent to an incorrect address. I paid the account and would like the instance removed from my account. Experian 's reasoning for not removing the account when all other reporting bureaus have is that that may interpret the law differently. I would answer that by pointing out that jails are filled with people who had differing interpretations of various laws, it does not absolve them for not governing themselves accordingly. Alternately, if it will not be removed in answer to this complaint I would like exact instructions on what steps I need to take to have the item removed under whatever Experian perceives the situation and law to be.
Equifax obtained my personal information and failed to keep it secure, allowing hackers to obtain access to it. Equifax then failed to disclose this information for weeks.
On approximately XX/XX/18 both my checking account and savings account at Discover Bank, were closed and the money was " frozen ''. The checking account had no funds in it, and was a joint account with my mother, XXXX XXXX, The savings account was in my name only, and ends in XXXX. I was told that they suspected some kind of fraud on the account and that they would be doing an investigation. They could not tell me when I would be getting my money back. There was approximately {$4300.00} in the savings account. My mother, XXXX XXXX spoke with : " XXXX '' in the Fraud Department at Discover Bank, and " XXXX '' an " investigator at the corporate office in Delaware. XXXX said that she would be conducting an investigation. She told me to send her information about where the money came from. I send her a document that showed that XXXX had transferred money into the savings account since XX/XX/2018, on a regular basis, and I sent her a letter from the Social Security Administration showing that I had received Social Security XXXX Payments into those accounts at Discover, for nearly a year. My understanding is that social security payments are not allowed to be frozen, except by the federal government.Despite telling " XXXX '' this, no movement was made to release any of the {$4300.00}. I was told that I would hear from her within 30 days, as to the disposition of the {$4300.00}. I have not heard from her as of yet, nor have I heard from anyone else at Discover Bank. I need this money in order to pay for my college tuition. I am attending XXXX CT State University presently. I am a freshman, and need this money in order to continue attending the University. I just want my money back, all {$4300.00} of it, immediately.
On XXXX XXXX, 2017 I wrote TransUnion that XXXX XXXX XXXX was charging me for fraudulent charges on my card # XXXX and that I refuse to pay them. I also sent TransUnion 60 pages of evidence to support my claim. TransUnion has, nevertheless, damaged by credit rating because I refuse to pay fraudulent charges.
Dear XXXX ( XXXX ), I requested PMI cancellation from my mortgage server, Loan Care, and paid for an appraisal ( {$390.00} ). The check was mailed on XXXX/XXXX/XXXX and Loan Care deposited and credited the money on XXXX/XXXX/XXXX. After that point, Loan Care failed to order the appraisal and their PMI department refused to speak with me on the phone or via electronic written communication. I attempted to contact the Loan Care PMI department on the following dates ( XXXX XXXX XXXX ) with no progress : - XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX : XXXX and XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX, XXXX, and XXXX- XXXX/XXXX/XXXX XXXX and XXXX XXXX tactics delayed the appraisal required to remove the PMI to XXXX/XXXX/XXXX and has delayed removal of the PMI, costing {$160.00} per month. The delays in preforming the appraisal is indicative of acting in bad faith not in the spirit of the Homeowners Protection Act, 1998. 

The appraisal have been completed and I have made a written request for a copy of appraisal and removal of the PMI on XXXX/XXXX/XXXX. 
Loan Care again refuses communication. 

I desire the following results : -A copy of the appraisal report-Reimbursement the additional month 's cost of PMI ( {$160.00} ) incurred due the delays and repeated communication failures-Removal of the PMIMany thanks in advance for help you can provide.
Credit bureaus refuses to send me the requested documentations they are using to verify accounts with questioned accounts. according to fcra 611 ( a ) the credit bureaus were required to forward me all the relevant information provided from the creditor for their investigation of my dispute.
Today ( XX/XX/XXXX ) I called Barclay Card to make a payment @ XXXX EDT today the customer service # XXXX stated that no automated service was available and to call back later. There was no option to reach a customer service rep either. I called a direct phone number I had to reach a representative. The AVR system ask for last for digits of SS #, my DOB, account number. I was then directed to a collection department. The person by the name of XXXX answered, proceeded to ask me again for the same information I just gave to the AVR system. I refused to give him this info because I had just given the info already. He refused to help me because I refused to give him such info. 
I placed a call to XXXX at the office of the President to share my experience. I left her a voice mail. On XX/XX/XXXX I spoke with XXXX who informed that she would be reversing all the late charges, due to misunderstanding. She also indicated the late charges would take some time. For a while I received some collection calls, as she stated would happen. But, when I called today to make a payment, I was told that the account was past due. A 2nd call today was answered by XXXX, again, XXXX and then Manager : XXXX both refused to render any customer service because I would not repeat info I had just given to the AVR system. I feel Barclay Bank deliberately antagonizes customers. I DO NOT owe Barclay any late charges. I would like to have my account balance restored and originally agreed by XXXX. I want any 30 day lates removed from my credit report and confirmation of such.
I was informed by XXXX that Experian has my Social Security number incorrect and an old address listed.
I was involved in a motor vehicle accident XX/XX/XXXX 2013 which resulted in my car being totaled. The other motorist was at fault and the police and ambulance were called. XXXX XXXX XXXX is trying to collect XXXX from me when the bill should have been submitted to my auto insurance. I have contacted XXXX XXXX and they refuse to submit to my insurance. I have contacted all XXXX credit bureaus and XXXX is the only one who refuses to remove this account my credit report.
A judgement on my credit was satisfied in XXXX. I have faxed the court record proving this to Transunion and XXXX. They both told me that the judgement would be removed but they fail to do so. I can not get a loan because of their lack of follow up and I am facing eviction as a result. I am a XXXX American and need assistance immediately in getting them to repair my credit. I need assistance in getting them to repair my credit so I can get a loan at my bank. I have XXXX in real estate equity that they are preventing me from accessing. I have called them numerous times asking for assistance. They assure me each time that they will repair my credit immediately but when I check XXXX the judgement continues to appear. The credit bureaus say they are waiting for the courts to respond to them. I have spoken with the courts in the state of Washington and they are not in the position to respond due to work load. Therefore, I faxed the satisfaction of judgement to the credit bureaus and they fail to respond. This action on their part is causing me financial loss, impacting my health and will cause me to be evicted. I am filing this complaint in order to get assistance with the difficulty I am having with the credit bureaus. My residence is scheduled to be sold on the Sheriff 's Auction in less than 30 days. The credit bureaus will be held solely responsible for my eviction if they do not cooperate.
I have called this company, and they have informed me that they can not give me any information on this account, and do not find me at all, but refuse to delete it from my credit report.
On XXXX XXXX, 2015 my home windows were plastered with Trustee Sale papers for all my neighbors to see. 

I immediately called XXXX XXXX, the " single point of contact person '' assigned at Caliber home loans to find out whatwas going on. When i called she said, that caliber and trustee corps were going to sell my home of 17 years. I told her that this would be a grossviolation of my home-owner bill of rights due to the following:1. I was in an active " Dispute of the alleged Debt '' from XXXX and that I did not owe the alleged amounts that they are alleging. 

2. I have an active " Request/Demand for production of QWR and Debt Validation proof '' 3. I have an active " loan modification '' package on this account if and when Caliber can establish the " alleged amounts that they are claiming as due. 

4. I have not received any mail. email nor phone call with notices of any default or of the upcoming foreclosure sale. 

5. She said that Caliber got this account XXXX and that they took it and they did not have to communicate anything I told her that I have not received any good bye mail nor notice of the previous XXXX nor a hello or notice of Caliber as the foreclosing bank or entity and that she and I spoke in XXXX XXXX and that she was going to mail me information which i never received, never the less I sent them an " official debt dispute '' on XXXX and since then have n't received anything from them. 

Therefore, they should immediately " stop '' the sale of my home. 

As of today, they are changing my single point of cantact, have not given me any information and appear to be pushing to sell my home of 17 years. 

I need your help to stop them from doing so especially, while all of this is being sorted out and investigated.
This is a continuation of  Case  #  XXXX . Bank  of Ameri  ca/ MB  NA does not respond adequately, which is part of the original complaint, and the continuation of the problem since 2016. ( I asked for communication from assigned representative of Bank of America/ MBNA in 2016. Never received. I was instructed to write to another department at Bank of America/ MBNA . Again, no reply. I was told no negative actions would occur to me while in this process Bank of America/ MBNA set forth. Negative actions occurred, causing distress. ) Bank of America/ MBNA continues to cause additional distress, and it appears intentional.
I have received repeated calls from " TransWorld Systems at XXXX and XXXX regarding a debt owed to a local public college. 

Every time, I inform the person calling that they are contacting me on my cell phone at an inappropriate time. I have asked every time for them to cease and desist calling me, and to send me correspondence via the mail confirming who they are, information about the debt, etc. 

They outright refuse to do so and continue to call me - and speak rudely and unprofessionally over the phone. Even after I explain that I have instructed them multiple times to stop communicating with me over the phone and send me correspondence to my address, they continue to try to ask questions over the phone. 

This company, TransWorld Systems, should be fined and ordered to end these practices immediately. 

Companies that harass consumers and use unfair or illegal practices to collect a debt should be forced to compensate the aggrieved consumer in the amount of the debt they are attempting to collect as a penalty and deterrent against this practice.
In XXXX, 2014 I received a collection notice from Aargon Collection Agency ( XXXX XXXX XXXX, NV XXXX ) requesting payment for {$7900.00} for an alleged medical bill. 
I immediately responded back, via certified mail, requesting some form of documentation, financial acknowledgement or media. 
After careful review I noticed their was n't any social security number, treatment date or a breakdown of any services provided. 
I wrote back to the collection agency advising them to contact their client and have the account removed, because clearly this was n't my debt and I was never a patient at the facility in question. 
Recently, I pulled my credit profile and noticed the collection agency placed this balance on my credit report knowing they had the wrong person! 
Aargon Collection Agency has clearly violated FDCPA and FCRA and has placed inaccurate information on my credit report knowing they have the wrong person.
This company offered me a payoff settlement in 2015 for 50 % of the amount owed. The problem was they sent it to the wrong address so I never received the offer. They purchased a HELOC loan so I 'm not sure why they would n't have sent the letter to the address associated with the mortgage. I tried to get a new settlement offer this year and they asked me to submit financial information and also complete their settlement application. Upon reviewing my application, they offered me a payoff " settlement '' for 99 % of the amount they say is owed, which is comprised of the original principal amount ( $ XXXX ) plus an additional 50 % of the original principal amount in just late fees and interest. They purchased my debt from another company and have continued charging me interest even though the original contract states that I am to receive a statement for every period in which a finance charge is assessed. They have never complied in that aspect and are unwilling to work with me to help settle my debt. In addition, they are reporting my account to the credit bureaus as a mortgage account instead of reporting themselves as a debt collector.
My student loans have more than doubled since I graduated because of interest. Navient encouraged me to do forbearance instead of income based repayment, and now I will never be able to pay off my loans. I was also lied to by the company. They said they put me on income-based, then continued forbearance for another year.
On XX/XX/XXXX, I was alerted of a credit pull on my Equifax credit report. As I have XXXX Id protection plan in place and have a credit freeze already in place, I am concerned why there is an entry from XXXX XXXX XXXX XXXX Box XXXX XXXX XXXX, XXXX XXXX Credit card $ XXXX XXXX posted today. I do not have a XXXX card and have not attempted to file for any cards. Thank you for your assistance!
Between the months of XX/XX/XXXX and XX/XX/XXXX I  disputed the validity of a debt and account ( using my information without consent ) with an attorneys office on behalf of XXXX XXXX. The case XXXX was closed and the attorneys office responded the will cease collecting attempts. Fast forward to XX/XX/XXXX and I get a notification from XXXX credit bureau and from XXXX XXXX. The alerts notified me that a new account was added which was from XXXX XXXX My dispute this time is their blatant disregard of the conclusion of the cfpb case listed above XXXX. Ive spoke To the credit bureaus and they said that I was to receive a notification before the account and negative information was added to my credit report. This is a blatant violation of not only the FDCPA in regards to continuing to attempt to collect as well as the FCRA for furnishings negative information without written notification.
I am never informed of my dates for changes on repayment plans, I am forced into forbearance although I beg them for an affordable payment plan, after submitting documents I never receive a lower payment and I am again forced into forbearance awaiting a new payment plan which is never given to me or discussed it is decided for me with a payment still above my means in repaying. I have borrowed XXXX, and is not accumulated XXXX + in interest. I am so frustrated with trying to repay my loans at a cost I can afford with no help from Navient. None. My income is XXXX per year gross, XXXX-XXXX-XXXX a month will leave me homeless.
I received a form letter from Citi Bank by XXXX delivery, dated XX/XX/2019. I received this letter mid XXXX. The letter, I hope I can attach for you, states I must respond to the demand on the letter before XXXXXXXX XXXX,2019 or my accounts could or would be blocked or closed. I went into my local branch, which is Citibank XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. 
I made appointment with him for XX/XX/2019. He told me they would need a copy of my trust as this was required for a trust name on account. 
I asked at the appointed date and time what this was all about and he said it was new Federal mandates or laws. I have not heard of any new federal laws, nor has another bank I have, asked for this type of information from me. he said they were looking for money laundering etc. Not sure what that has to do with my small bank account as I only keep low amount of money in this checking. He did ask me how much money I had in the account. He has that information at his fingertips. 
He took my trust and made copies of several pages of my trust and then wanted my drivers license to make a copy of it also. He then wanted to know the name of the law firm that drew up my trust. I gave him the name and he googled it for their phone number. I told the XXXX this seemed like a complete invasion of my rights and privacy and he agreed it was but that was all. Then he made a call to someone and said he had to go to back room to get a email from some office. He came back to me and said they required more questions answered and I became alarmed. 
He asked what my income was and I said thats none of your business and that was all the questions I was answering. I felt like a criminal as he was treating me like a police officer would question a criminal. I got up to leave and he said your accounts will or could be frozen and if I had auto pay pulls, those would not be filled.
back in 2013, I asked a banker for a personal loan, but I do not have credits and I would like to get one. He called XXXX to get approved for a personal loan. I got approved for a {$3000.00} loan. Ever since, I could n't accessed the loan and I was told to wait for a year to get loan. Several bankers made a mistake and it costs my money and credits. How am I supposed to access the personal loan online? None of the bankers do n't do their job right. I ca n't get errors removed my credit reports.
I have a loan that is being serviced by Ditech Mortgage, loan # XXXX. I've been trying to resolve an issue I found since XX/XX/2018 to no avail. A reallocation occurred in my account where {$9000.00} was debited from my principal, {$3200.00} from interest and {$2900.00} from escrow. I do not see any reason why this occurred. I need an explanation of this reallocation that I do not agree with. I always pay additional towards my principal to pay down my loan. I've been given the roundabout to no understanding of what they did. Please kindly assist me in this situation. I have my home under contract for sale and need to resolve so I am paid in full all the money I have put into my account.
My account is current listed as being delinquent despite the fact that I have continued to make payments, even in excess of the minimum amount due. For some reason, for the the pa st three months my payments have been misapplied to loans that were consolidated years ago. I 've contact FedLoan four times by both phone and e-mail over the last three weeks and this still has n't been fixed. I honestly do n't know what to do, despite paying on-ti me and in excess of the minimum payment I 'm still delinquent and ca n't get anyone to help me.
To Whom it may concern : I am writing to inquire why my credit report continues to be downgraded when I pay my bills on time and in full. I was made aware of my latest credit score when I recently went to XXXX XXXX in XXXX XXXX to lease a new car. The deal I negotiated was for {$330.00} per month on a 36 month lease with {$2000.00} as the down payment. However, the dealer came back and said they could not get this deal approved due to my mediocre credit score. This was to my surprise as I recently pulled my credit from XXXX XXXX on XXXX XXXX and my credit report was as follows : XXXX XXXX Experian XXXX XXXX XXXX Consequently, I called XXXX and they disclosed that there are XXXX different credit reports. My understanding is the XXXX credit agencies issue different credit reports for car dealers and financial institutions. I really need to understand how there can be a discrepancy from XXXX report to the other. I do n't believe this is in the best interest of consumers. Is there any way your agency can help in correcting my credit score so it is reflected in the most optimal way? 

I thank you in advance for your assistance and do appreciate your attention to this matter.
I have disputed the Collection from Diversified Collection agency w/ XXXX . XXXX has yet to provide me proof that the Collection agency has validated the debt to them. I called and spoke w/ Diversified Collection agency on Monday XX/XX/18 and was told they were waiting on the Original creditor ( XXXX ) to get back to them. I have been disputing this debt since XXXX. I was never told about this debt and Diversified collection agency has never notified me regarding the debt. THIS DEBT HAS NOT BEEN VALIDATED.
I am filing this complaint regarding XXXX Bank which wrongfully closed my XXXX Account with them for unknown reasons. This illegal closure of my account resulted in my becoming homeless and destitute. 

I have been contacting them every week recently to try and recover the funds that I had deposited of my SOcial Security XXXX into this account with no success.. 

This has made my XXXX worsen. I have Chronic XXXX and XXXX and the money I had deposited in the XXXX XXXX account was meant to be my savings including for my retirement. 

I know I am doing the right thing as a consumer that believes the law must serve the consumer. XXXX 's mishandling of my hard earned Social Security XXXX XXXX XXXX is grossly unfair and I am seeking the full recovery of these funds.
There was an inquiry made on my credit by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. I called them and alerted them of the fraud. Someone opened up a credit card and made purchases. I want the inquiry removed and I want to prosecute the fraudster.
Hello, on XX/XX/XXXX, I pulled a hard copy of my credit report, and noticed hard 24 inquires on my Transunion report. I submitted a 2nd written request by mail for Transunion credit Bureaus on XX/XX/XXXX to send me copies of the documents that the company has used to verify the accuracy of the account. I have been dealing with Transunion over a year, and they have not looked into my credit report. I have not received any recent letter from Transunion regarding the investigation of the 24 Inquires on my report. in over 30 days from the date of the letter I sent to them. " " Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract.

As I've stated above, the Transunion credit Bureau did not provide me with any verifying documentations. 
Hard Inquires-File number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My credit is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error on the reporting Credit Bureau, Transunion. Thanks so much for looking into this important matter.
I was told there is a Navient Student Loan Forgiveness program. In common basic terms, they are being sneaky and manipulative. In specific terms they are misallocation of payments, providing unclear info about re-enrollment to their income driven repayment plans.