WillisBack/dataset-financial-user-claim huggingface dataset:
i received as part of and lawsuit settlement from transunion an credit monitoring product called my true identity this product was to continue for 3 years and give me full access to all functions of the website. 

http : //www.XXXX/ The class action settlement was approved on XX/XX/XXXX, by the federal court in XXXX XXXX. Letters were mailed to all class members on XX/XX/XXXX, containing information about credit monitoring services. 
UNITED STATES DISTRICT COURT NORTHERN DISTRICT OF CALIFORNIA Background Infomation XXXX XXXX XXXX and XXXX XXXX XXXX ( the Class Representatives ) both filed class action lawsuits against TransUnion relating to the erroneous display, on certain credit file disclosures obtained online in XXXX, of information about the Office of Foreign Assets Control ( OFAC ). The lawsuits were filed under the Fair Credit Reporting Act ( FCRA ). 

The XXXX XXXX and TransUnion have reached a settlement of the lawsuits. The settlement provides that TransUnion will write a letter of apology to each class member, explaining that the OFAC information was included in the online disclosure due to a programming error, but was not transmitted to any third parties such as lenders. TransUnion corrected the programming error in XXXX, soon after it occurred. Further, TransUnion will offer each member a free, three-year Credit Monitoring Subscription, which includes daily access to TransUnion credit reports and daily access to a credit score. 

upon establishing this account i can not use the dispute process and have been transferred to many..many transunion representatives to no success in using the website or transunion contacts even including the special handling and attorney representatives as well. 

i believe i am being discriminated against because the of the lawsuit settlement. 

this has been the same ongoing practice since XXXX XXXX. 

i have filed complaint after complaint and still no resolve.
I've talked to the Department of Education for many months trying to get this rectified. They are reporting a past due balance incorrectly. There is no balance and it continues to say " I was late '' account number ending XXXX & XXXX. They both say past due balance from XXXX and XXXX just reported it XXXX. I've also talked to Nelnet and they informed me they will get it fixed and nothing has happened.
We have been trying to work with Ocwen for XXXX years now on keeping home after a job loss, bankruprtcy and a Loan Modification process which included XXXX trial payments made by us with Ocwen implying they would grant us a Modifiation, we filled out final paper work for a modification and then Ocwen proceeded to cancel it without notice despite the fact that we followed through on our end and they are now implying that they are proceeding with foreclosure process. We have had numerous certified letters returned to us as undeliverable even though we mailed them to address given to us directly by ocwen. we have had telephone conversations with their " agents '' who promise a solution us long as we continue making our payments and these " promises ' are turning out to be just spoon feeding us that thee is a solution. We were told they would give us a loan modification only to then be told that due to some technical difficulty it was cancelled and we were never notified of it? Who does business like this? We have stopped trying to deal with them by phone because it becomes he said, she said. We have been doing every thing by certified mail and keeping documentation of such. No one at that company seems to know what the other person at that company if doing. We receive numerous correspondence from them that come after letters that tell us one thing only to be told something else. they are impossible to deal with.
This is a follow up response after reviewing Equifax 's generic response about XXXX XXXX account number XXXX. I disagree with Equifax. Who did they speak with and what was the contact number? Both XXXX and XXXX did their research and fixed the issue. Why is Equifax the only one that is not truly investigating? I want this information because I believe they are only sending a generic response changing names of companies etc. I want their contact the contact person from the creditor. I am aware of what the statue of limitations is that was never my issue.
My sister in law lease a XXXX XXXX XXXX with Mitsubishi Motors Credit of America , Inc . I was her co-signer and we signed the contract at XXXX XXXX XXXX. When the lease ended she decided to purchase the vehicle and went to XXXX XXXX XXXX where on XX/XX/XXXX she signed by herself ( I was not needed as a co-signer ) the sale contract ( attached ). My sister in law received a letter from Mitsubishi Motors/Ally dated XX/XX/XXXX congratulating her for the purchase of the vehicle and giving instructions on how to create an online login to manage her account and make payments. She did so and made the payment. Mitsubishi Motors Credit of America has been reporting the lease account ( of the same car which has been purchase ) as opened and with payments delinquent. I contacted them explained that the car had been purchased on XX/XX/XXXX and that it was financed by XXXX  XXXX/XXXX and asked them to contact that department since it was XXXX. They told me that XXXX XXXX and Mitsubishi Motors Credit of America are not the same company and are not related. They also told me that I had to contact XXXX XXXX/XXXX and ask them to send the payoff or verify if they had possibly sent it with the wrong information which would explain the delay. I called XXXX XXXX XXXX and they said that the payoff check was sent to XXXX XXXX XXXX. This confusion between these 3 companies has been damaging my credit and my sister in laws credit. Incorrect derogatory information has been reported and I feel disrespected and helpless as a consumer. A sales contract was signed ; a down payment check was cashed by XXXX XXXX XXXX ; the first payment has been made to XXXX XXXX/XXXX ( account is current ) and yet Mitsubishi Motors Credit of America is reporting the lease of the same vehicle as delinquent. Please help us resolve this very serious issue.
The last correspondence I sent this company on XX/XX/2016 pertained to a demand for validation for XXXX accounts they reported on my credit report. The company has failed to provide me validation of the account and merely sent me a total amount due with no proper itemization or no agreement between myself and the medical service provider and they have continued to reprot the account on my credit report and even verified it when I disputed it with the credit bureaus This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ). H
Due to when I get paid and how much I get paid from my employer, I frequently have to pay the principal and interest portions of my mortgage payment separately. This is allowed by my lender, Associated Bank and I have been doing it for years. Frequently, when I do this, the teller who takes the escrow portion ( second payment of the month ) places the money in the incorrect account ( escrow or P and I ) or applies the wrong amount ( either too much or too little money in either P and I or escrow ). I have, over the years, contacted Associated Bank dozens of times in attempts to rectify this issue as, if the payment is not made and applied correctly, even through no fault of my own, I am ultimately responsible for the bank 's mistake as it is my credit that suffers for their mistake, not them. <P/>The XXXX 2017 mortgage payment was applied incorrectly by the teller, I was told, when I called this morning to check if the payment had been applied. I called my local loan officer, XXXX XXXX, for assistance. XXXX told me, during the course of our conversation that because I did n't make my entire mortgage payment at once, like other people do, there was nothing that could be done to help me, because my situation is so rare. <P/>Additionally, he stated that Associated Bank 's system for processing payments was not set up to accommodate multiple mortgage payments. So, here is a multi million, if not billion dollar bank that, in 2017 has a computer processing system so inept it can not process multiple mortgage payments on the same account. That makes no sense. This mortgage is my largest bill, by a longshot. I have tried the BBB, We Care at Associated Bank numerous times in attempts to resolve this issue. I am so frustrated and am at my wit 's end. I do n't know what else to do and am pleading for assistance. Make Associated Bank work with me so I can make allowable, on time payments, per their policy. Make them honor good faith lending practices. I do n't know what else to do.
Today my boss recueved a fax regarding garnushment of my wages. 
Navient my daughters lender, which is under a consolidation ATM, has begun harassing phone calls ( 10 or more a dayHome phone 5 a day on Mobile ), faxed my employer about wage garnishment and will not stop when reuested to STOP. They have simply increased agression since stopping calls to my daughter. My dughter is enrolled in a program to handle debt, taking steps to settle. These calls are unending and aggressive. 
They have more resources than the consumer and fear they will take my already limited resource.
Unfair and immoral business practices where the consumer is being taken advantage. 
Facts : XXXX XXXX a residential building contractor is the Parent Company of Eagle Home Mortgage LLC. 
XXXX offers buyers unrealistic closing cost credits to steer buyers into using their financing. 
The unrealistic closing cost credit is rarely used up. Example : XXXX XXXX had a purchase contract with a {$10000.00} seller concession on a {$230000.00} Home. She was not aware of the max 3 % seller concessions for conventional loans and was very upset they lost nearly {$3000.00} at the closing table.

Closing cost credits are not offered to buyers unless they use Eagle Home Mortgage. ( This is in writing ).

Eagle Home Mortgage plays along with the closing cost credit by disclosing the full credit on a buyers LE & CD. They do not adjust the correct credit until the day of closing, leaving the buyer upset and confused.
You all have failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. You all have also failed to adhere to federal regulations and violated several laws of the FCRA. 

*XXXX # XXXX # XXXX {$510.00} Has agreed to delete all accounts you still choose to report. FCRA guidelines a collection can not be past due. You all have not provided me with the verification method you used on this account that you say you previously verified. This Collection Agency has not verified this account. A collection account can not go into collections according to FCRA guidelines ; the Collection company can not report that because they are not the original creditor. Reporting inaccurate negative information ; violation of FCRA. 
XXXX XXXX # XXXX {$0.00} : Please provide verification the dates XX/XX/XXXX XX/XX/XXXX regarding late payments listed and provide me with the verification method used. During these periods the military member was XXXX and notified school of her XXXX, but XXXX XXXX released her deferrment due to No Longer Enrolled in School. The memeber was till enrolled, but had to drop classes due to military XXXX. Loan was forgiven because memeber is now a XXXX veteran. Reporting inaccurate negative information ; violation of FCRA. Violation of SCRA. Which is unverifiable and by law should be removed. XXXX XXXX has no information on the account. 
XXXX XXXX # XXXX .... {$8000.00} : Reinserted after previous deletion. According to FCRA guidelines a charge off or collection account can not be past due. The account can not be an installment or note account it is a charge off account according to FCRA guidelines. Please verify the said dates of Charge off Lates and or collection. Date of Satus and remarks in status does not match. The information is contradicting. Reporting inaccurate negative information ; violation of FCRA. Violation of SCRA. Which is unverifiable and by law should be removed. 
XXXX {$65.00} : According to FCRA guidelines a collection account can not be past due. The account can not be an installment or note account it is a collection according to FCRA guidelines. Please verify the said dates of collection. Dateof Satus and remarks in status does not match. The information is contradicting. Reporting inaccurate negative information ; violation of FCRA. Violation of SCRA. Which is unverifiable and by law should be removed. 
Inquiries : You all have stated to contact the reporter about inquiries and I have and they remain unverified. It is also your job to not report unverifiable information. If you can not verify that I authorized these companies access to my credit file then you are in direct violation of the FCRA, because the FCRA states that Reporting Agencies must correct or delete any incomplete unverifiabe information.
Company erroneously closed my online account without cause or explanation. Company refuses to allow communication with the department which made the decision. During a phone conversation with a XXXX customer service agent on XX/XX/2018 only confirmed that XXXX will never allow me to use the online feature of their money transfer service. Agent told me : " Sir, all I can tell you is that you are never going to be allowed to use XXXX online and there is nothing you can do about it. '' It was at this moment that I asked to be transferred to the " security department '' that apparently made the decision to close my account. Agent told me : " No, and I'm telling you that no matter who you talk to, no one is going to listen to you beg about getting your account back. You are welcome to go in person to a XXXX. '' I asked : " Can I speak to your supervisor please? '' Agent responded : " He or she is just gon na tell you the same thing I just told you. You are NEVER getting your online account back and there is NOTHING you or anyone can do. '' The agent immediately hung up on me.
I have being dealing with with my student loan deferment since the end of XXXX 2015.I am a XXXX that every year by the month of XXXX I must submit by deferment papers being that Im in a XXXX. This year Navient as denied my deferment due to improper/wrong form filling. Since the XXXX denial due to wrong paper submission I have been calling on a weekly basis to get this matter resolved, being that i work over XXXX hrs a week and I do not want this matter affecting my credit. The first submission was done on XXXX/XXXX/15 and was denied due to improper forms a month later. I then upload the new forms on XXXX/XXXX/15 at XXXX. After speaking with multiple costumer agents and Supervisors, they inform me those forms were also incorrect and denied. The supervisor informed me that all was needed to resolve the matter was to resubmitted the proper forms, which were email to me by employee XXXX XXXX on XXXX/XXXX/15.Once receiving the documents and having both my director from the program fill it out and sign I re-fax the document back to the listed number of XXXX on XXXX/XXXX/15, after a week of no answer or email to let me know the status of my resubmission, I took it upon myself to call on XXXX/XXXX/15 ( as well as re-email supervisor XXXX by email to check the status of my forms and got an auto reply stating he was on vacation from the XX/XX/XXXX-XX/XX/2015 that if we need any further assistance to contact XXXX XXXX. So we called on XXXX/XXXX/15 to speak with Supervisor XXXX XXXX Employee # XXXX and I was inform that no document were received even though I have proof of fax sent. I also sent a scan copied of the new documents to XXXX XXXX who stated he was also supervisor at Navient ( XXXXXXXXXXXX ) on XXXX/XXXX/15. So the same documents were uploaded to the navient system via upload.navient.com on XXXX/XXXX/15 confirmation email was sent on XXXX/XXXX/15 XXXX XXXX. After multiple submission/scans/email/fax of my deferment request documents I receive email today XXXX/XXXX/15 at XXXX of a XXXX denial stating that wrong/incorrect forms where submitted. With the repeated denial I received an attachment with what they state is the correct form with was the original form that I had my residency director signed on XX/XX/2015 and fax to them 0n XX/XX/2015. At this time my frustration as reach a boiling point because navient bill collectors called me to inform that I was 2 payment behind that with a third nonpayment they would report me to the credit bureau. I have once again call their costumer hotline and spoke with a XXXX who stated she was another supervisor Employee # XXXX, that their was nothing they can do at this time ( XXXX ) to call back during business hours. They have block my XXXX account when I was posting Very negative review regarding their costumer service and harassing/threatening with credit reporting if payment not receive. I feel that their mishandling and lack of competency to follow through with their job has put my future at jeopardy. I currently do not make nearly enough to make my XXXX XXXX loan payments. And now I am 3 months behind on this suppose payment that I have being requesting deferment on since XXXX 2015.
Last week we settled a debt with the law firm, Weltman , Weinberg & Reis Co., L.P.A. They represented XXXX in a repossession of a car. They told us we had to pay a minimum of {$2000.00} to get the hold taken off of the bank account I have with my husband. We paid {$7000.00} and they were willing to call the debt paid since that was the bulk of the debt. They told us all holds would be taken off and they would handle the legal work. We asked for documentation that the debt had been paid and that we would n't be bothered by them again. It has been a week later and the hold on our bank account has not been taken off and we have received no documentation that the debt has been paid. We want this finished. Please help us.
When I logged into my Navient account today, it indicated that my account had a late payment balance of {$110.00}. I did not recall making any payments late, so I started investigating. As I looked at the previous 12 months worth of statements and compared it to my payment history, I always paid the amount due. I called Navient, and after some research the representative said that the XXXX amount due should have been {$110.00} more that it was. I explained that when I log in to the website, the amount due is prominently displayed and I must allocate the payments for each loan. I paid the required amount in XXXX, XXXX, XXXX, and XXXX. My XXXX statement does not show any late payments. They said that the audit revealed I owed an extra {$110.00}. They were kind enough to not charge me interest or a late fee for the payment I did n't know I was supposed to make.
I have a a unverified account from XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.To Whom It May Concern, The reason for my dispute isXXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX . 
failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX # XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX XXXX. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
I would like for the company to produce the contract that bears my wet ink signature. If they are unable to provide such documentation I would like for them to remove this item from my credit report as it is causing me great financial harm
Dear Equifax Executive : With all do respect, I tried to use your website in its online dispute section but it appeared clearly you restricted my access to it, because I tried every day or days to use it and there is no valid reason to deny my right to use that public service offered to others ( I put exactly my basic information, address, ssn, dob, email and phone ), the other alternative is every time I call your Equifax representatives either need more training or they alter and manipulate my dispute argument of the only negative item on my Equifax credit report ( collection ) ( I never been late on any payment for any business I deal or dealt with and thats including XXXX And I challenge XXXX and Equifax to prove I canceled the auto payment to that referenced XXXX account on the above collection ( please find name of collection and other details in some of the files attached ). 

Also if XXXX was convinced I was right when my ligitimate Request from XXXX to prove I canceled the auto payment to the account referenced in that above collection, made XXXX face the truth its unexplained targeting of my person despite I didnt cancel auto payment they have from my XXXX XXXX credit card ( ending In XXXX as you can see in some of the attached file ) information for the auto payement to that account in the collection. That credit card still open never changed its number and always has couple thousands available. 

The issue with Equifax is to address This unexplained wrongful investigation of my dispute that causes continues adverse action against my person and that is for no benefit to anyone. I am suffering from your Equifax dispute intake staff. So far two requested same dispute to why you should delete that collection like XXXX did and as you can see in attached files.

Please stop my struggle for keeping my clean financial records as always it has been. Im I asking Equifax too much?

the calls to equifax were recorded and I have a privileged recording of it too as Equifax has and it should listen to it when I called Equifax and itS intake Representatives each time struggling to type my very important dispute argument or pretending they cant hear or other unethical manners. They keep stating things I didnt say and that make XXXX easily show the argument dont stand. Please be ethical. 



Thank you,
Since graduating from school in XXXX the creditor company names continue to be changed, taken over, replaced through acquisition. When I check my credit report different companies are listed but the amount is the same. I have tried several times to get them to remove the accounts since they were closed due to the original company being replaced. It has truly affected my credit score since it is the same accounts over and over again. I was informed that after 7 years the account would be removed. The lender company for my student loan has changed names and ownership several times. Yet the amount keeps reappearing as if I owe to each one. I am really trying to work on building up my credit but this is seemingly becoming a hardship. In my credit report I have the same loan showing up with 5 different names. It would be great if the old ones would be removed.

Also for one of my accounts it continues to appear as closed even though it was paid in full. It does not reflect or let potential lenders know that I have paid the creditor the full amount that was due.