WillisBack/dataset-financial-user-claim huggingface dataset:
I looked into options to consolidate and lower my student loan payments. I reached out to XXXX XXXX XXXX and signed up for their repayment program. Some how- I ended up receiving- what I thought was more help- from another company named Fed Loan Help . The website is Fedloanhelp.org. Which is now up for sale- and you can not contact any of the people who originally helped me ; listed below. 

XXXX XXXX and XXXX XXXX and XXXX XXXX both from : Fedloan Help : Nonprofit Organization Phone : ( XXXX ) XXXX Ext XXXX & XXXX XXXX & XXXX XXXX Fax : ( XXXX ) XXXX XXXXXXXXXXXX XXXX I had been paying {$72.00} from XXXX XXXX to XXXX XXXX every month in an automatic payment plan. XXXX XXXX, XXXX I received an email from XXXX XXXX XXXXXXXX XXXX the real company ) informing me that my payment was late. I then called the next morning to ask what was happening as I had been paying {$72.00} every month automatically. Which I then realized that they stopped taking my money XXXX XXXX, so things were not adding up. XXXX XXXX XXXX informed me that in XXXX XXXX I enrolled in a {$0.00} payment plan for the year and this was my first payment. Which then means the money I had been paying has gone to thin air. {$72.00} for 15 months XXXX XXXX XXXX to XXXX XXXX XXXX totals {$1000.00} which I thought was going to my Fed loans, is now missing. I tried to contact the numbers given from the people above. I tried to email, reach someone on the website, I even asked for help from other repayment companies. All of which said Fed Loan Help was not real. Once this happened I contacted my bank- TD XXXX XXXX make sure all payments would be stopped and they could n't take anymore money. I also asked XXXX Bank if I could put in a dispute against the charges as this is clearly a fraudulent company. They took about a month to see what they can do, but it came back that XXXX Bank can not dispute any charges over 60 days, which my last charge was XXXX. So now I am out this money, with loans to pay, and I am hoping for some help in getting this money back towards my real loans. Thank you.
a check for a co pay of XXXX was sent to hospital on XX/XX/XXXX and check was processed for payment to hospital on XX/XX/XXXX. the hospital sold this account to a collection agency and there for caused us to have to deal with this agency unnecessarily. XX/XX/XXXX a mailer was dated and sent to us as a notice of debt. we contacted the collection agency and told them there was a discrepancy because this account had been paid onXXXX.they had ask for a copy of the check with the patient number on it which we faxed to them onXXXX.they have ignored our attempts to settle this matter and have continued to try and collect on a bill that was paid. they have since used an affiliate to try and use other tactics to try and collect monies since not responding to there demands of payment they have put us into the credit bureau, which was totally unwarranted. we have contacted the credit bureau and disputed it and sent the copy of the cashed check from the hospital that they ask for, that was cashed on XX/XX/XXXX and have not been able to have this removed and that's the need for help.
This is a notice to cease unauthorized inquires into my credit report and a formal demand that you immediately contact the credit reporting agencies and bureaus to have your illegal inquiries removed. While checking my personal credit report from XXXX, I noticed an inquiry made by your organization. 

The details of the inquiry are as follows : Address Identification Number : XXXX Inquiry made on : XXXX/XXXX/2014 Inquiry made by : CHASE AUTO I did not approved your organization, or any person associated with your organization, to make such an inquiry. This violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I also demand that you remove my personal information from your records. Please send written confirmation that you have complied. 

If you believe that you posses sufficient document that supports your authorization to make the inquiry, please forward a copy so that I may verify its validity.
I want to file a formal complaint about TransUnion credit reporting agency. After 13 years of being divorce my credit report still states my married name. I provided TransUnion with a copy of my XXXX XXXX of California dissolution papers stating that line item on the legal document states my name to be restored to my maiden name and a copy of my California Driver 's license. TransUnion stated this is not sufficient enough ... ... they would not change my name back because it's not a 'legal document ' ... ..
This is my second complaint on this website against XXXX XXXX XXXX. The first complaint { XXXX } was issued on XX/XX/XXXX. XXXX   replied on XX/XX/XXXX { case # XXXX } { reference # XXXX } stating they were sorry for their mistake, they were going to have Modification documents sent to me within one week, and they were going to immediately contact all credit reporting agencies to have my false late payments removed from my credit report.

Today is XX/XX/XXXX, XXXX  has done nothing. XXXX  is still harrassing me for back payments, they haven't sent me loan modification documents, and my credit is still showing that I'm 90 days late on my mortgage. I've informed XXXX that I am attempting to purchase a new home, and I need the lateness 's removed. XXXX  has assigned me a point of contact by the name of XXXX XXXX XXXX. Mr. XXXX rarely responds to emails, phone calls, and always indicates the issue of the modification and false credit reporting are out of his hands. He refers me to his supervisor XXXX XXXX XXXX replies to phone calls and emails even less than Mr. XXXX. The times XXXX has replied to me, she's made promises to handle escalate the matter to have my modification documents sent to me and fix the credit report, but still nothing is ever done.

If this complaint does not get the issue resolved, I will have to resort to legal action. I will sue for damages, harassment, ruining my credit, and the time it's taken to get this cleared up.

Attached please find XXXX   's response clearly stating this matter would be cleared up within one week, and this was over 3 months ago. Also, I've attached proof of all payments, modification documents, and bank statements showing payments coming out of my checking account.
Inquire appeared on my credit report I didn't authorized ( not associated with an open account )!!! Date : XX/XX/2018 ...
Auto finance company towed my car and repossed it saying I was late on payments. I proved my payments. I called to get my car out of repo yard and finance company would n't release it. They confirm my payments are up to date but still wo n't release my car. I called their supervisor who said by error they auctioned my car. The following day finance company stated they had my car at towing yard and would release it in 24 hours. Two weeks later, I do not know where my car is and I am current and can prove it on my payments. Total negligence.I ca n't get to work and I am out money for a car I paid for that this company possesses. I have documented over XXXX calls to this company to try to find my car. Each representative told me a different stories.
Upon checking my XXXX credit report I noticed that Medical Data systems reinserted an account on my report that was removed in XX/XX/XXXX.  I never received any documentation about this debt. I have never done any business with this company.
I have disputed a debt with XXXX XXXX on my credit. The date of original debt is listed as XX/XX/XXXX, however the date of the original debt goes back to XX/XX/XXXX. I have filed multiple disputes with Transunion and they verify that the social security number is mine but not the date. The original creditor XXXX XXXX no longer has my file as it is more than 7 years old. XXXX XXXX will not respond to requests to give dates of original file or remove the file even though it has been reaged and is against FCRA rules.
The interest rate on this line of credit is 360 %. Way higher than the legal interest rate in the state of kansas. It is making it impossible to pay off my loan or keep up with my other Bill 's. After researching interest rates in my state I discovered this interest rate isnt legal. I attempted to contact them and havent gotten anywhere. I have made multiple biweekly payments since XX/XX/XXXX and I have gotten nowhere. I just 2ant to be done with this loan.
We will not stop submitting complaints unti l Capital One p rovides us with a way to resolve this issue. The options they have provided are not options we have.  Savings account s do not have checks or pre printed deposit slips and therefore we can not provide something we do n't have. We keep getting the same response even though we have told them we are unable to provide something that we can not get. They do not give contact numbers and are not providing a way for us to clear the fraud alert off our account.
I received a letter dated XXXX XXXX, 2017 from Citibank Card Services XXXX XXXX XXXX  XXXX Oregon XXXX. It stated that I am being issued a statement credit for {$190.00} for charges for the Identity Monitor program I did not sign up for and cancelled immediately upon seeing the charge on my statement. I cancelled the card years later, and I do not have a Citibank card at this time, and I have not received a credit statement from this bank for years. How can I receive this credit if I do not have access to the card or credit statement anymore? Please help me in this matter. Thank you, XXXX XXXX XXXX
I was contacted by Unifin to collect a debt for a payday loan. I advised that I could not pay the debt at the moment but intended on paying it. I was told that they would proceed with legal action because they had the information they needed to do so. I was told that as soon as I pay it, I would be able to borrow again. I was also told that if I had a negative reporting, they would delete it. The first date did n't work for me. I called back today XXXX XXXX, 2016, to clarify what I had been advised. XXXX offered me another settlement. When I asked how soon I could borrow, I was transferred to her manager. He advised that as soon as I settled, I could borrow. I paid the amount and was told that I would receive the settlement offer & receipt in an email. I did n't receive anything. Borrowing quickly was important to me because I had to take my daughter out of town to a specialist the following day. So, I paid the amount. When I went in to borrow, I was told that I could n't. When I called Unifin back, I was then told by XXXX, it would take XXXX 60 days. This was misleading and deceptive. I asked if all of their calls were recorded. She said they were. I spoke with them a total of 4 times in 2 weeks. I encourage them and other governing agencies to listen to those calls. I am probably not the only victim of their unfair and deceptive collections practices.
VW Credit is incorrectly reporting date of activity on my credit report for Husband,  XXXX , and NOT MINE. My date of filing was  XXXX / XXXX / 2015  - Date of discharge  XXXX / XXXX / 2015 . VW Credit in violation of Chapter  XXXX  discharge reporting late after filing date. They are also in violation of FCRA and FDPCA since this has been reported several times and VW credit continues to refuse to correct the error they say they are correct and in their validation still show the wrong dates.   XXXX  At this point they are clearly indicating the error - see #  XXXX .
CHASE AUTO MADE XXXX HARD INQUIRE ON MY CREDIT REPORT AND THEY NEED TO BE REMOVED
Equifax has failed to handle my credit file in a respectable proper manner. Equifax has assigned my file to a representative who doesn't return calls or service my file. I've left several messages and have yet to get one single returned call. On top of the mishandling of my file Equifax has failed to address the issues relating to fraudulent accounts listed in my credit report. I have provided Equifax with Police Reports and Fraud affidavits to help address the fraud accounts but has failed on deaf ears. Equifax doesn't do a thorough investigation to prove the validity of my claims nor does it make the furnisher provide sufficient proof especially relating to the ID Theft. If they fail to address my claims, I will have no choice but to seek relief from Equifax in Federal Court and sue for damages due to the amount of damage their inaccurate reporting is causing me and my family. Equifax has failed to remove the following fraudulent information from my file : 1. XXXX XXXX XXXX XXXX 2. XXXX   Inquiries : 1. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 3.XXXX XXXX XX/XX/XXXX , XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX
TransUnion refuses to correct an obvious mistake. 

1 XXXX auto loan is open paid & satisfactory according to the bank & all other cra 's 2. Account was reaffirmed. 

3. Account has been current for 5 years 5. COMPLETE payment history sent to TransUnion documenting 6. Letter from bank sent to transunion. 

ATTENTION FTC UNLESS YOU SUBSCRIBE TO THEIR SERVICES THEY REFUSE TO CORRECT ANYTHING
XXXX XXXX XXXX is constantly reporting an account from a pay day lender by the name of XXXX XXXX XXXX, that I never opened, nor never applied for. It has been removed from my credit report 2 previous times. The first time it was removed from my XXXX report. The second time it was removed from my XXXX report. It is now being reported on my XXXX report and should be removed immediately as a fraudulent account, from information most likely obtained through and XXXX data breach earlier this year.
Please allow me to introduce myself, my name is XXXX XXXX. I have a legacy of issues with Specialized Portfolio Servicing XXXX SPS XXXX. This company is far from being a competent, fair and honest mortgage servicer. 

I have a history of the SPS miscalculating and property tax escrow funds. As a result, a local Georgia out sourced collection company XXXX XXXX has taken the negative action of placing a property lien on my property without notifying me prior. I only received a tax lien noticed from XXXX without prior communication or warning. SPS did communicated to me on this matter. 

In XXXX of 2015 I received a large check from SPS due to a miscalculation of my mortgage payments when my mortgage servicing was transferred from XXXX Mortgage. I received no interest or compensation for this error.
I received numerous phone calls from a " XXXX '' that said he was working with XXXX and that our computer was sending many messages that it was having issues. He and his " company '' could fix these problems for {$280.00}. Stupidly, we fell for that " con job ''. soon after sending the money and seeing where it was sent to, ( XXXX XXXX ), I realized that this was a scam. I requested a refund, witch they were prompt to do. However, they sent {$1800.00} instead of {$280.00}. XXXX, of course, admitted the mistake and wanted me to send him {$1500.00} back, but not thru PayPal, but by money order through XXXX, XXXX, etc. I refused to do that saying I would only give the money back through PayPal. I made several attempts through PayPal to refund the money directly back to the person that sent it originally - XXXX XXXX but was unable to do so because PayPal refused to send payment to a personal account in XXXX XXXX After telling XXXX that I was unable to send the refund to XXXX XXXX, he said he understood and for me to send it back to a different email address-one that was a " business '' account, but turned out to be XXXX XXXX. I held onto the funds until PayPal verified that the money was indeed in my PayPal account and ready for transfer. I then transferred the money to my bank account. After receiving NUMEROUS phone calls daily from XXXX, and verifying through my bank and PayPal that the money was indeed there, I refunded the {$1500.00} to where XXXX told me to. Then 2 months later, PayPal refunds the full {$1800.00} to XXXX XXXX, without notifying me in advance, or giving me an explanation as to why. Leaving us with a {$1700.00} balance owing PayPal. I have notified the dispute dept. and the fraud dept. of PayPal by email numerous times. I have also called PayPal numerous times and talked with many different people. I am still receiving phone calls from this fraudulent company telling me they want to " make things right '', by sending me more money. But not just {$1500.00}, they MUST send $ XXXX {$2500.00} and want me to refund the difference. Each time I have said no. " Either send me the correct amount of {$1500.00} or nothing ''. They also ca n't /wo n't use PayPal for the transaction, they want to deposit it directly into my bank account and have me refund them by money transfers not through PayPal XXXX I have refused them each time. This last communication, today, ended with " XXXX '' being quite angry with me and he said he couldn't/would n't try to help me anymore to get the money back and I would just have to pay PayPal. I have requested received {$280.00} on XXXX XXXX, 2015 from XXXX XXXX, deposited in my PayPal account leaving me a balance of {$1500.00} still owing. I have requested a reversal of the payment of {$1500.00} that was sent to XXXX XXXX from me. PayPal keeps denying me and keeps closing the cases. I realize that I do n't understand the procedures and possibly are n't answering the questions properly, but it seems to me that PayPal could help me out more here. I know I 'm not the only one that has fallen into this fraud trap.
I opened an account at TD Bank in XXXX XXXX 2017, I brought in a mailer addressed to me with promotion that I would receive XXXX dollars when I had a direct deposit. I have visited the bank several times and called about twenty times with no results. Each time I get lip service, saying that they are working on it, just today they asked if I still had the mailer, well they asked me that a month ago, so I told them that the officer that I opened the account with would verify, which she did. So here I am six months of not getting anywhere with this bank.
I am on an ibr plan with navient. Ive been making monthly payments and my balance continues to increase. I see that they have multiple suites and they did have me in forbearance for a long period of time which should have probably been I 've at that time as well.
XXXX Refuses to delete/ remove a incorrect collection account from my credit report which does not belong to me & must be removed immediately as its hurting my creditworthiness, account info is as follows : WILLIAMS, ALEXANDER & ASSO XXXX XXXX XXXX XXXX , NJ XXXX A/C # XXXX {$55.00} XX/XX/2017
On  XXXX   XXXX ,  XXXX  I received a notification from   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and  XXXX   XXXX  that I had a hard inquiry from Capital  One cre dit card company. I filed a dispute through   XXXX   and was told it was sent through   XXXX  .   XXXX    in formed me that I would need to send separate notification to th e two  other bureaus  XXXX  and  XXXX . They provided letters to send to each. Here is what it said :   XXXX   XXXX   XXXX   XXXX    XXXX .   XXXX    XXXX   XXXX , GA  XXXX  To Who m It May Conc ern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and want an immediate investigation. Please remove the fraudulent information immediately from my file.    CAP ONE   XXXX / XXXX / XXXX  ( INQUIRY ) Once the fraudulent information has been removed, please send me a copy of my corrected credit report. If you have any questions I can be reached at  XXXX   XXXX   XXXX   XXXX . I look forward to hearing from you soon.   Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  SSN :  XXXX   DOB  :  XXXX / XXXX / XXXX  I was informed to wait 90 days to see the inquiry removed off of my credit. When 90 days passed and nothing changed on my credit report, I called    XXXX    and they told me I would need written confirmation fro m  Capitol One t hat  I did no have a line of credit open with them. In  XXXX  of  XXXX  I   called Capitol one  and spoke with a representative about this issue. After getting my perso nal information I was informed that I would be getting a letter within 60 days. I never received a letter f rom Capitol One and the hard inquiry is still appearing on all three credit bureaus reports. I unfortunately, do not have th e employee ID number from the call wi th Capitol One. Now, I am stil l wanting this removed from my credit since on  XXXX / XXXX / XXXX  report #  XXXX  verifies that this inquiry was not me and this was fraud. IF any additional documents are needed please let me know.
Repeated calls 10 to 15 times a day from various numbers to my cell phone. Telling me to get a lawyer or face the consequences.
I was on a month to month no contract plan with XXXX, which I maintained for roughly 4 and a half years. I switched to XXXX XXXX in XXXX of XXXX. I have now received a collections notice from XXXX XXXX ( PO BOX XXXX XXXX Mi XXXX phone # XXXX ) on behalf of XXXX. They claim that I owe them multiple months of service fees. I have called XXXX to explain that I never had a contract with them and had always been month to month. As XXXX the first person I as able to reach at XXXX tried to tell me that I signed a " 2 year commitment '' to XXXX. the second person tried to tell me I agreed to a plan I literally had never even heard of before. Let me be clear, I have never signed any commitment of " contract '' with XXXX for anything other than month to month service. XXXX at no point in my use of their service extended any credit to me. if my bill was not payed at the end of the month my service immediately cut off, which is what happens when you are month to month. The Representative lied right to me over the phone. I then asked the representative for XXXX to provide me with a copy of my contract showing my agreeing to this " commitment ''. No copy of contract was provided to me and no answer of any kind was provided as to whether there is any record of a contract between XXXX and I. Their collection agency XXXX services has been calling me everyday since, sometimes 3 or 4 times a day. This is utter and total harassment on a daily basis.
i was a victim of identity theft and i noticed a hard inquiry from amex on my XXXX report.ive tried to dispute those but they refuse to remove it. It is hard for me to aquire credit due to those inquiries i demand that they remove them. Those Inquiries were not the dates stated XXXX/XXXX/15 and XXXX demand they be removed
Sam 's Club Credit ( Synchrony ) bank reported 3 months non payment/late. I had not been billed as the address they had on file had not been updated. I was notified by collections at which time I paid the balance in full. It also indicated that my account was closed (? ). I would like the report so noted and corrected to show the account is open. Your assistance in this matter is appreciated. I have maintained a strong payment record and do NOT want to ruin my credit because of this.