WillisBack/dataset-financial-user-claim huggingface dataset:
The reason for my writing is that this company is being unreasonable, I am a XXXX XXXX who sustained severe injury following a XXXX in early 2016. Due to the injuries I sustained, I was unable to work for nearly a year and a half. I suffered XXXX XXXX and developed XXXX XXXX XXXX and couldnt function XXXX. My condition was so bad that I could not manage my finances. Due to my XXXX   state, I had to get a debt management company to do this on my behalf. The debt management company resolved and settled all the accounts that were late. 

As a result, I notified this company about the situation attaching a Doctors letter as proof of injury to support my claims, requesting removal of the late payment history since it was never my intention to be late. But to my surprise, this company has refused to cooperate and still keeps all the data that I had requested to be removed. 

Again I request that the late payment history of this account be deleted as soon as possible. 
Enclosed XXXX XXXX Id Copy of doctors letter Copy of first letter that was mailed to this company
I am being contacted that I owe a company money who I never heard of, it is for a product I bought once but paid then and there so I 'm confused to the price of what it is saying i owe.
I am livid on Nation Star 's injustice against me. Nation Star is using fraudulent claims against me in order to deny my loan. XX/XX/2016 I was denied for Hamp Tier 2 due to insufficient monthly payment reduction. Nation Star used The Federal Standardized Living Expenses Calculator ( {$2500.00} ), to calculate my expenses than my actual expenses on my Making Home Affordable Application ( {$1400.00} ) What is even more concerning is that my current market value was not even taken into consideration at that time but to my understanding, the loan to value is important to determine if the payment would increase or decrease. 
I was denied on XX/XX/2016 for a modification again due to their outrageous claim that my home is worth {$140000.00}. There is no way my home is worth that much! My property is grossly underwater and needs a lot of work. I recently paid for an appraisal to be done on my home resulting value of only {$120000.00}. Based on the Hamp Tier 2 guidelines, my loan is eligible under these terms. This is really affecting me due to Nation Star prolonging my case, I am falling further behind in debt. I have attended workshops for struggling homeowners like myself and have learned about my homeowner rights. All I want is a fair review under my correct income and correct property value.
On XX/XX/XXXX I submitted separate, multiple requests via letter to TransUnion Credit Bureau as well as each Creditor, requesting them to investigate several unauthorized hard credit inquiries that they have listed on my credit profile. 

I requested that they either provide me with physical documentation validating these inquiries, or, that they remove them immediately as they are damaging to my credit profile. 

The inquiries that I requested be investigated were as follows : -Financial inst. XXXX XXXX. ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX ( XX/XX/XXXX ) I can not stress enough, not one of these hard credit inquiries were authorized by me. At no time did I give permission to any of the above institutions permission to access my credit file. 

As noted above, on XX/XX/XXXX I requested TransUnion to investigate. On XX/XX/XXXX, I received an automated response via letter not informing me of any investigation process, but to inform me of how inquiries may have been added to my credit file. I did not ask them how inquiries may end up on my file, I asked them to investigate my unauthorized hard inquiries. 

TransUnion did not investigate anything, they failed to move forward any due process in this matter. 

One Creditor also wrote me back in the mean time stating that they ( they creditor XXXX XXXX ) won't even investigate the inquiry and asked me to contact the Bureaus. So if XXXX XXXX wont investigate, obviously they can not verify the inquiry. With that being said, TransUnion should remove it. 

TransUnion is not doing what they are supposed to do. I am attaching the automated response they sent to me via US Mail, I am also attaching a letter that XXXX XXXX wrote to me stating they will not investigate anything.
I have a dispute still under investigation with one of the credit bureaus. 

United Recovery Systems is the debt collecting company collecting on behalf of XXXX XXXX on my credit card debt. Even though I have been paying on time according to the negotiated terms and allowing the company to directly debit my bank account they are still reporting me monthly as paying late because they are using my total balance owed as past due instead of reporting the amount due as the payment amount that they agreed to accept as a monthly payment XX/XX/XXXX. I am being intimidated and/or threatened by this tactic. When I spoke with a United Recovery Rep on XX/XX/XXXX to try and resolve this issue with them directly, he essentially told me that they would continue reporting me as late until the entire balance is paid off. I acknowledge that I owe the balance but if I could pay the whole balance off in one lump sum I would not be in this situation. I am trying to do the right thing by paying as agreed according to the negotiated terms of repayment.
Arstrat Debtor information and payment online options not available. 
Debtor unreachable only by mail. I feel unsafe mailing out checks to this business not endorsed by the XXXX. Their is no way for me to check my balance by automated system. I dont know any up to date information regarding this account. I have no confirmation of payments made.
Diversified Consultants is contacting repeatedly through out the week and multiple times a day. I have advised them i am having financial hardship but am working very hard to pay down all of my debt. They are continuously calling while I'm at work even though I have asked them to stop. Today XX/XX/XXXX I advised I was submitting a formal complaint. I started to pay down my debt starting in XX/XX/XXXX. Even though I am not paying large amounts, I am trying. The following is a list of all the calls I have receieved in the past 2 weeks, I have saved the screenshots and have the managers name, they are calling from three different phone numbers. XX/XX/XXXX XXXX XXXX & XXXX XXXX. XX/XX/XXXX XXXX XXXX & XXXX XXXX. XX/XX/XXXX XXXX XXXX & XXXX XXXX. XX/XX/XXXX XXXX XXXX & XXXX XXXX. XX/XX/XXXX XXXX XXXX & XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX & XXXX XXXX. XX/XX/XXXX XXXX & XXXX. XX/XX/XXXX XXXX XXXX. I have advised I do not require a settlement, I am willing to pay the debt in full, I just don't have the spare funds. I have rent and more pressing debt which is my priority.
Wells Fargo was intentionally and unintentionally negligent by releasing the {$12000.00} that I deposited to a fraudulent account at their institution after they had been notified that this was a fraudulent account and a scam. There was a police investigation by the financial crime unit of the XXXX County Sheriffs Office ( Case # XXXX ) and there were several complaints entered against them to prevent release of these funds while there was a criminal investigation. At the time, complaints were filed with the Florida Attorney General 's office, the Florida Office of Financial Regulation, the Federal Trade Commission and the Consumer Financial Protection Bureau. As per information released by subpoena and included in the police report, Wells Fargo allowed the account to be closed on XX/XX/2018 with the withdrawal amount of {$11000.00}. Wells Fargo confirmed that the money was sent to the name and address listed on the fraudulent account. 
The police report and previous Wells Fargo correspondence is available upon request. The OCSO also has evidence on a CD of investigative subpoena items.
XXXX XXXX XXXXXXXX XXXX XXXX included my expunged criminal record in a background check. Initially, the representative tried to blame the county for providing the information, but after speaking with a supervisor they admitted that they had gotten the information from their own database that was never updated. In addition, the name of the charge was incorrect and so was the level of the offense. After working for 8 years towards an expungement it was incredibly traumatizing and embarrassing to have this dredged up again. While I have been assured they will review my dispute and report the correction to my possible employer, this may take up to a month. The employer in question may need to hire someone else in this time, and even if I am hired it is extremely embarrassing to have this issue. This has been a huge financial and emotional burden. Finally, I this company has asked that I fax them all the needed documents putting the burden of proof on me. I find this unacceptable as XXXX XXXX   XXXX XXXX XXXX is the one providing false and out of date information.This company is currently reviewing my dispute, but in my opinion, irreversible damage has already been done.
I have disputed a lien in the State of California to Transunion, XXXX because the lien has been satisfied and released but only XXXX has changed the status on the credit report to reflect the true status. Transunion refuses to change to the correct status. Copy of the XXXX change is attached.
I have a Macys and Macys American Express accounts that I get email bills and pay electronically from my credit union checking. Macys changed their billing addresses without notification resulting in late payments with fees and interest charged. I am never late. Macys could not straighten out the correct address but my credit union finally did and tested them. Macys waived the late fees but not the interest. I have seen this with other vendors and find it an underhanded way to extract money from customers. I have other vendors who are diligent about reasonable notification so it is possible. I question the competence of their IS department as it took them several weeks to complete an upgrade that resulted in this.
We ( My Sister & I : XXXX XXXX-On Deed/Not Loan ) are doing a follow-up as an CFPB associate suggested, and are rendering an amended addendum, based on the neglect and oversight on the previous complaint and comprehensive package, that was sent to your organization, that was either intentionally omitted or ignored via Selene Finance 's response. 
Included in this package is the most recent modification offer that was sent to us ( Pages 1-3 ). 
We accepted the offer and replied within 7 business days ( Pages 4,5 ). 
NOTE : Because of the fact that Selene Finance did not acknowledge that they damaged my sisters credit, nor did they make any mention of repairing the damage until we filed a complaint to your organization ( CFPB ) . I rendered a counter offer for them to consider, due to my being perturbed, and having a feeling of hopelessness, because of the affect it had on my sister 's health ; and the length of time the Derogatory Reporting being in existence, at least 9 months before they ( Selene Finance ) corrected the problem ( See Pages 6,7 ) Derogatory Report ( Pages 8,9 ).
I filed a chapter XXXX bankruptcy repayment action and listed my federally guaranteed XXXX XXXX student loan ( opening balance of {$39000.00} in XX/XX/1993 ) as a debt. XXXX XXXX placed my loan in default and filed an inflated claim of {$59000.00} before assigning the claim to the federal guarantor ( US Student Aid Funds ). The plan was successfully completed, and I received my order of discharge at the end of the case. 

Over the course of the bankruptcy, I paid pursuant to the court-approved plan, and the trustee remitted to US Student Aid Funds on my behalf, more than {$37000.00}, almost payment in full of the original amount borrowed. The lender 's own records ( which were provided to me ) show that the money was received but was not credited to my principal balance.. Despite my efforts to have their records corrected to give me credit for the {$37000.00} in payments I made during the bankruptcy and in the years since, XXXX XXXX ( now XXXX ) /US Student Aid Funds insists that my unpaid principal balance is {$60000.00}. 

In XX/XX/XXXX of this year, XXXX XXXX declared my loan in default and referred it to a collections agency ( XXXX XXXX XXXX ), which has threatened to garnish my wages in the near future, causing me severe financial hardship, unless I pay the full amount they claim I now owe -- which is a whopping {$82000.00}, more than double the original loan amount. The only way they can claim that my balance is so high is by continuing to refuse to credit me with the {$37000.00} I paid through the bankruptcy and the thousands more I paid since that time. This is beyond negligence on XXXX XXXX 's part ; it appears to be an effort to defraud me into paying considerably more than it's entitled to collect.
Around XX/XX/XXXX i attended at XXXX  college when i first registered for classed the course i was signed up for was event planning 1 while applying for a GRANT the classes where almost starting and i later found out they were no longer offering that Main class which was Event planning 1. The Financial Aid office had me listed as a male with selective service and for over 2 weeks with me going back and forth to the office trying to get them to change it they kept sending home to check my app. well i checked and it was no a mistake on my behalf so the last time they tried to send me home and told me to mail a letter to selective service i refused to let them continue to give me the run around so i stay in the office and call selective service to let them know what was going on considering my classes had already started. The rep from selective service said that was crazy and said for me not to leave he asked to speak to the case worker there in the FA office so that he can tell them to simply look at me and they can tell i was a female will needless to say the young lady went right in and changed the status from male to female i had been in and out of that office over 7 different times trying to get in my classes and for them to release my GRANT. because classes had already started and i had to wait on my grant money to post before i could get my books i was so far behind it was to late to turn around i wanted to attend school badly just couldnt keep up. i notified the instructors that i could not keep up and they agreed to allow me to drop with full refund ... while checking my credit report i realized the school put my account in collections for {$530.00} i had no idea they put this in collections saying i owe the school money ... i called the school and they told me the school paid for my classes so now i owe them. I said i never agreed to let the school pay for my classes thats why i applied for a grant i did not have money to pay for any type of load..if i had to take out a loan i would have never signed up for school. This has never happened before.if the did pay for classes they did it with out my permission or knowledge they never spoke to me about it and never was given permission to do so. They never gave me a chance to even address the issue i never got a letters and when a person from the school did attempt to call me she only stated that she wanted to discuss me coming back to school never saying anything about collections or a threat of a collections. now its reporting on my credit report on XX/XX/XXXX for {$530.00} please help
There is to much to list. Wells fargo. has totally used deceptive business practices. This has been going on for years. Wells fargo will hang up on me or change the subject and wont answer why they have charged me over {$20000.00} in just the last few years with fraudulent inefficient funds charges when the money was posted to my account and they have I have spent fortune with wells fargo and they have told me they would file disputes and never receive calls back from them. Wells fargo. I have gone into several branches after branch to be told they didn ; t know what to do because it was so overwhelming and I 'm told they saw I have a major law suits and didnt want to help me. Now I have all these new fraudulent charges on on XXXX of my accounts and wells fargo has totally cheated me out of thousands more and many of them they didnt even file as fraud or they hung up on me several times. I am not going to let this go and will go to media and I had aXX/XX/XXXXwith wells fargo playing with the kind of money Ive trusted them with. I want Justice and for someone to call me. I was told not to close my accounts because of all the money that has been taken from me and not returned from fraud. I am trying to handle this the right way but Ive been so XXXX XXXX and this has caused XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. You wont belive this and wells fargo can pull all this up with my account. I will sent all my ACCOUNT INFORMATION BUT WELLS FARGO HAS PULLED MUCH OFF LINE AND CHANGED ALL THEIR WEBSITE SO PEOPLE WONT REALIZE THEY ARE BEING STOLEN FROM.
Capitalone is asking for a high minimum payment in the amount of XXXX, the account is past due and over limit currently, which I understand. However, they are asking for such a high amount as it almost exceeds my weekly paycheck. I requested the amount lowered, however, was denied saying the account is again over limit and past due. The account is past due because I have fallen behind on payments with the account as well as other credit accounts I currently hold. I take care of my mother and have been paying for her medication ( s ). I did make a payment in the amount of XXXX, however, a stop payment had to be placed due to insufficient funds. My paycheck amount this week is lower than usual due to a payroll discrepancy, a stop payment had to be placed as the payment was already in process.
I completed my loan agreement with XXXX XXXX XXXX back in 2013 with a “XXXX” balance on the account as well as title in hand for my XXXX XXXX XXXX. In return XXXX reported my account stating that the Payment was made after charge off which was not true at all. I have made several attempts with no avail to get the derogatory mark off my report but I either get hang up on by a agent after explaining the problem or told no changes can be made and will stay on report for seven years. I really feel like I’m being punished for something that shouldn’t be because the account was paid to term with a balance of XXXX.
Case # XXXX - XXXX XXXX. 
This has been paid and fully satisfied. Attached is the confirming of the satisfaction of judgement with XXXX XXXX. The letter is dated XXXX XXXX, 2014 and recorder at City of XXXX on XXXX XXXX, 2014.
XX/XX/XXXX XXXX The following account does not belong to me, and this is stopping me from getting a job.
I was sued by Portfolio Recovery Associates, I told their attorney XXXX XXXX, XXXX that I was on SSI and Social Security XXXX he said that it did n't matter, I have received 4 Notice of Levy trying to garnish my bank account, they listed the wrong bank on each one.
I have leased an XXXX from a MA based dealership in XX/XX/XXXX and ended on time and paid in full my 3-yr lease in XX/XX/XXXX. I have not heard once, by phone or mail and nothing was ever reflected on my credit report about any payment demand. Only after I disputed, in XX/XX/XXXX, via XXXX  that the account was still open, I received a charge-off of $ XXXX.I disputed it via credit bureau and no resolution, with still impact on my credit score.. Still no phone call or mail. After a second dispute, the answer came back negative and now I have a XXXX charge off. I called Hyundai ( XXXX ) and I was told three different things by three different people. The first told me my car was stolen and was charged residual value, then I called back and was told that I had not paid the last 5 months of lease ( which I have bank proof I did ), then I called again and was told that my insurance did not cover some charges to fix the car. I feel the company has no idea what's going on and certainly has not notified me of anything and now I have 70 pts dropped in my report which affect my finances. I filed complaint with the XXXX and XXXX came back with the same statement, but no document or proof about the charge off. 
XXXX response is totally out of place and inaccurate and lacks of evidence. There is no one piece of document I have received. My car had minor scratches and my insurance covered those charges, I brought the check to Hyundai dealership and never heard from dealership or XXXX again for almost two years, until recently and only because I initiated a dispute on the account status. Now XXXX  claimed not only that they invoiced me, but also that the car was badly and heavily damaged and completely totaled. Assuming for a minute this is the case, a much more detailed and timely investigation should have taken place. Anyone, including a business, should have a complaint about a product, a return or anything else, should timely notify the consumer. How do I know that what XXXX is true and even if it was, that the car was damaged further, after my release? It is too convenient and totally unfair to let things go and after a long period of time assuming certain facts and charging someone largely differently than the original status ( when i turned in my keys ). XXXX should prove that detailed reports have been sent, should also speak with the dealerhip that took in my car and remove the credit charge from my report, at least until this situation is resolved or attemped to be resolved. I am willing to do anything I can on my part, but with no documentation in my possession, not with a mere statement over the phone and without evidence it is an impossible task!
I am looking to start a new job and I buying a car this month I noticed that my infomation was not accurate of my credit report. I would like to update my file. My Name is XXXX XXXX XXXX Please delete/remove any other version of my name.The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX There is more than one XXXX XXXX in my area and I dont want my information confused with his information.
I have deferred my loans multiple times to see help with repayment options.
I was lied to when signing up for my repayment plan by my loan service provider. I was told that a graduated repayment plan charged me a fixed monthly amount after my first 2 years. My payments were originally XXXX for my first 2 years. I expected them to rise after my initial 2 years, and they did rise to XXXX But, what Navient neglected to tell me, was that my payments would continue to rise every 2 years until the max out around $ XXXX/month. They also did not mention that my {$26000.00} loan would approx. end up costing me {$46000.00} by the time my " repayment '' plan is complete.
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I would have never signed up for this plan had I known. I ca n't afford their schemes and lies. I am going to have to consolidate in order to gain some control over my debt and repayment.