WillisBack/dataset-financial-user-claim huggingface dataset:
I have XXXX major problems going on right now and its across all XXXX bureaus. 
# 1 reinsertion of previously deleted items without required notification within 5 business days pursuant to section 611 # 2 " verification '' of information without providing the documentation that I requested that proves that these accounts belong to me - XXXX V TRANSUNION states in no uncertain language that once I notify them that their results are wrong, they have to go beyond the original source of information to ascertain that the info they are receiving is correct. Congress also states that to be able to verify this information they actually have to have firsthand knowledge which means that they have to have the docs. 
# 3 Multiple accounts keep getting passed around from company to company and are also reporting multiple times concurrently which is illegal - only the company that actually holds the account can report it! 

Here is the body of my disputes to TransUnion : ** I want to know how the same collection accounts are being reported by different collection agencies as well as being deleted and the reinserted and then reported by a different one and then passed to another? How do accounts go from XXXX = XXXX UNKNOWN MEDICAL = XXXX = XXXX UNKNOWN MEDICAL XXXX XXXX XXXX XXXX? How is this even legal??? ** Only the company that actually holds the account can report the account and not even one of them has been verified! 

This XXXX XXXX XXXX account is showing a balance that is the wrong amount and you also have a date opened that is different than what the other XXXX bureaus are reporting! So how are you verifying this account? By someone saying that they see my name a screen? Seriously?? 

XXXX XXXX is also being reported as XXXX XXXX XXXX XXXX ( XXXX and TransUnion ) and only ONE of them holds the account - this is double jeopardy! Remove this immediately! 

XXXX XXXX is also being reported as XXXX XXXX ( on XXXX ) and UNKNOWN MEDICAL XXXX ( multiple times! ) and only ONE of them holds the account - this is double jeopardy! Remove this immediately! 

You added XXXX XXXX XXXX XXXX as 60 days late and # 1 I was not 30 days late and # 2 I 'm sending proof that you are reporting this wrong! XXXX has 30 days x3, XXXX has 60 days and TransUnion has 30 days and all XXXX have different open dates! Fix this immediately! 

I 've already stated that I do n't know what XXXX XXXX is nor XXXX XXXX XXXX! Where 's the documentation that proves that this accounts belongs to me!?? 

You 're reporting XXXX XXXX XXXX XXXX ( which by the way is unknown ) and XXXX XXXX is reporting the same account - they are XXXX different collection agencies and only the account holder can report the account! This needs to be removed immediately!
On XX/XX/XXXX a letter was sent out by Northstar Location Services , LLC on behalf of XXXX. The letter referenced Loan numbers XXXX and XXXX which appear to be loans from XXXX College and are under review by the Department of Education due to fraud, endangering my life, and encouraging their students to commit felonies and war crimes. 

The amounts of the loans when reviewing the amounts actually appear to be the following two private loans from XXXX XXXX XXXX which are over 15 years old and way past the allowable collection period. 
XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Loans XXXX and XXXX are for the following amounts and originate from XXXX College. XXXX has has {$0.00} balance and XXXX is in administrative forbearance until XXXX XXXX - XXXX XXXX - XXXX These collection tactics are deceitful, unlawful, dishonorable and a disgrace to a civil society. 

Additionally, I believe the deceitful tactics in attempting to collect a debt that is no longer collectable violates FCRA. As a South Dakota resident, these debts are past the statute of limitations which is 6 years. 

I would like XXXX to remove these loans from their online portal. They can shove them into some other website for online portfolio management so that I do not get confused and accidently, through their deception, make a payment towards these loans and reactivate the statute of limitations. 

I would also like all collection notices from XXXX to cease as my account is under administrative review from the Department of Education and there is no reason a collection notice should be issued.
I used to have a joint account with my former husband XXXX XXXX at XXXX XXXX XXXX 
I divorced him because he was involved in XXXX XXXX  and fraud to the IRS. 
After my divorce, XXXX XXXX XXXX  has been reporting false information bout my payment records. 
I must mention that it was I, who took in the responsibility to made the payments when I was married. 
I tried to talk to a bank manager ( they are located inside of XXXX XXXX  ) the manager was very rude and offensive. 
My records still have the wrong information that XXXX XXXX XXXX  reports. 
I need to clear my records. 
Thank you.
I sent my XXXX XXXX homeowners ' association payment to the designated XXXX XXXX that was represented to be that of Union Bank. My check was cashed by someone, though Union Bank and my property management company, XXXX, claim they did not receive it. My property management company then sent me a statement trying to charge me late fees for a payment that I had made. In addition, after complaining about Union Bank 's mismanagement of my XXXX XXXX payment, it then mishandled my XXXX XXXX payment that I sent to the same XXXX XXXX by not cashing it, running the risk that I would be charged a late fee due to no fault of my own. Originally, XXXX identified XXXX XXXX as the Union Bank representative assigned to this matter. XXXX was silent from XXXX XXXX to XXXX XXXX as I asked her about how Union Bank 's processes could have allowed XXXX my payments to be mishandled and to find out information about the status of my XXXX payment. I am fearful that XXXX was intentionally refusing to provide me information about my XXXX payment in retaliation to my complaints about Union Bank in order to trigger the imposition of a late fee on me. 

Then, on XXXX XXXX, XXXX, XXXX XXXX from Union Bank 's Office of the President was assigned to this matter. XXXX said he was troubled by XXXX non responsiveness, expressed that he did not believe Union Bank had exhibited itself in the manner that it seeks to hold itself out as a Bank, and he pledged he would address my concerns. He did no such thing in the days that followed. He refused to provide me with the name of the security company that transports checks from the XXXX XXXX to Union Bank 's facility that may have been responsible for stealing my check, claiming that the information was " proprietary, '' although Union Bank has contradictorily claimed through XXXX that it has no control over the security company. He told me that only a " general research '' investigation was done to determine whether someone at Union Bank or its unnamed security company may have taken my check and cashed it. And it took Union Bank nearly 2 weeks to fill out its portion of a fraud statement ( which required only a signature ) so that I could submit to my Bank in order to facilitate my Bank 's investigation of this. 

I am deeply concerned with Union Bank 's processes that have resulted in XXXX of my payments to be mishandled in different ways. I am also deeply concerned with Union Bank 's apparent lack of concern that a federal offense may have occurred on its watch, and its attempts at trying to evade accountability by passing off responsibility for handling the checks to a security company, and then refusing to provide the identity of that security company. Union Bank 's conduct and attitude in this matter makes me fearful that Union Bank will allow its flawed processes to continue uncorrected, which will allow more federal offenses to happen under its watch.
Chase Slate Credit Card - XXXX, paper billing stopped in XXXX, XXXX, and XXXX of this year. During this time I did not receive any communication from Chase either by paper, telephone or email. I did not remember how much I was paying and did forward a check for {$80.00}. I contacted Chase to ascertain what had happened. Chase stated that I had changed form paper to email, however I did not receive any emails. Chase went on to state the reason for not contacting me was that a system generated cease and desist was placed on the account in 2010. Chase then reported this to credit bureaus which caused me to lose out on a new employment opportunity. I voluntarily approached Chase and agreed to an {$81.00} per month payment plan. But not for the cease and desist, this would have have never happened. At no time did i convert monthly statements from paper to email, this was mischief. I ask that this negative information be removed from my credit file and allow me to finish out my career.
XXXX   XXXX   XXXX   XXXX   XXXX  s agent,   XXXX   XXXX   XXXX        XXXX , and  Nationstar  egregious and unconscionable conduct has been reminiscent of the  XXXX  scandal.   XXXX   XXXX   XXXX   XXXX   's agents have chosen to cover up their wrongs and self-correct opposed to letting the judicial system work.        XXXX   XXXX   XXXX    and  XXXX  scheduled a foreclosure sale on my property after accelerating the note ;  XXXX  was conveyed a Trustee 's Deed ;  XXXX  was awarded Judgment of Possession ; I 've adversely possessed the property after the execution of the Trustee 's Deed ; I filed suit to reverse the invalid sale and stop post-foreclosure eviction which is currently pending,  XXXX  secretly sought to rescind the sale without authority and during the pendency of the lawsuit ;   XXXX   XXXX    XXXX  secretly sought to reinstate the loan during the pendency of the lawsuit after the foreclosure sale and transferred the secretly reinstated loan to Nationstar to collect.     I have filed ov er 70 complaints with the CFPB, the governmental agency that oversees these servicers. My complaint history starting in 2014 documents the Bank 's agents reprehensible conduct. Notwithstanding, there h as only been subsequent acts of deceitfulness, trickery, and fraud after each complaint filed. Understandably the CFPB ca n't advocate on my behalf, but this is good source for documenting the fraud and ensuring the government has  an audit trail o f the consipracy.     I will be filing grievances with the   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  against  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX   XXXX . These attorneys have lied to the Courts, filed  Court  motions and pleadings with lies embedded ; have concealed information from the Courts such as the alleged Rescission, and has filed affidavits to support the conspiracy. These Officers of th e Court  has violated the Texas ethics rules governing attorneys ' behavior. Attorneys should advocate for their clients, but lying is unethical.     The transcripts and docket entries from  the County, State, and Federal Courts, CF PB records, and other agency 's records will substantiate my claims.
On XX/XX/XXXX I responded to a personalized offer received from USAA for the Limitless Cashback Rewards Visa Signature Card offering 2.5 % cash back. I was subsequently denied for the card. When I called in to inquire I was told I would receive a letter stating why I was denied. However, the only letter I received from USAA regarding this application was a notice saying I Was declined offering me the opportunity to open a secured credit card with them. There was no reason given for the denial, or other options or explanations. This came as a shock as it was a personalized offer sent and titled to me, which generally have higher acceptance rates due to their intentional targeting based of their knowledge of the targets current credit profile.
XXXX XXXX/ Experian I request the proof of Accuracy of your reporting on this account, Please show documentation that I paid this account it is over the 7 years limits and you reaged this account by stating it was paid in XX/XX/2015 needs removed at once this is credit reporting manipulation
During the last 3 years, navient has been charging me close to XXXX dollars a month. My current income is XXXX a year. I have been on the phone with them several times over the years so come up with a lower monthly payment plan. They claimed I can not do that. They also claimed that Ive been in forbearance twice for deferred payments. Even though Ive been on auto pay since 2015. They provide no help for economic hardship and claim Forbearance is my only option ( which I have to pay for just to get it ). My bank accounts have no proof of deferred payment activity or forbearance. But apparently On their side there is. Im extremely frustrated.
I have tried several attempts to resolve the issue with Hunter Warfield but no response to the issues at hand. provided court record to the dismissal that XXXX XXXX did not respond to the court of on going issues and other issues at hand. XXXX XXXX did not respond to legal mail sent to them on the issues at hand. 

If the matter cant be resolved I will be force to take this back to court and let a judge ask why XXXX XXXX never showed up to what they file on and there was 2 times they never showed to court and there was on going issues at hand as well.
My daughter is currently being treated for immune deficiency, specifically XXXX Deficiency. She has been having routine blood work since XXXX 2014 to diagnose her deficiency. On XXXX XXXX, 2014, XXXX XXXX sent a bill to a wrong address. After two attempts to send the bill to the wrong address and no contact with either myself or my daughter 's immunologist, XXXX XXXX sent the account to collections. During this time, we had more blood work and XXXX XXXX XXXX XXXX denied one of the tests as " not medically documented ''. As a result, we have a balance of {$230.00} that is being processed through XXXX XXXX XXXX XXXX and has not been paid. Credit Collection Services, the collection agency who has the outstanding bills from XXXX XXXX, continues to send me bill notifications even though I have contacted their office and explained that the outstanding balance is being processed through XXXX XXXX XXXX XXXX. At this point, I am ready to pay the outstanding invoice. However, I feel that XXXX XXXX and Credit Collection Services have been unjustly and unfair in their collection practices. First, for sending an invoice to the wrong address and second for sending the balance to collections when our insurance carrier is still processing the claim. 

I have documentation from our physician which shows that XXXX XXXX XXXX XXXX is processing our claims and I stand ready to produce such documentation. We need help in fighting these companies who wo n't listen and feel justified in using gestapo tactics to collect from hard working individuals who are suffering enough with health issues. We do n't know if our daughter will make it to her XXXX birthday. I 've tried explaining this to both companies but they refuse to listen or have compassion.
On XX/XX/2018, I made a payment from XXXX XXXX XXXX disbursements back to the loan, which was issued on XX/XX/2018. I made this payment, as it was more than what I actually needed of the loan, and as I have discussed many times with Nelnet, my loan service provider, when we make a payment within 120 days of the disbursement of a loan, we would like it to be applied to principal only, as is our right. They did not apply this payment to principal only, but to principal and interest as they are wont to do, and do every time with every loan. I have been repeatedly told by Nelnet that they have it in my notes, and will make sure that this doesn't  happen again, but every time a new loan is dispersed, I have to go through this again, and contact you again. I believe that this is a predatory loan practice, and basically a scam to make even more money off the backs of students.
I XXXX XXXX, have been working with a housing counseling agency ( XXXX XXXX XXXX ) to resolve my mortgage arrears that occurred back in XXXX of this year. I submitted a modification packet through my housing counselor, and was offered a trial modification on XX/XX/XXXX. The three payment of XXXX were for the due dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My first two payments were sent and accepted, however the third payment ( sent prior to the first of XXXX ) was denied due to lender claiming that it was not received by the last day of the month. 
I am disappointed in the decision made by the bank and now have been faced with a XX/XX/XXXX sheriff sale of my property .I have made an attempt to resolve this matter to no avail. The lender Midwest Loan Servicing has now required that I submit new documentation, while not completely committing to the postponement of the foreclosure sale of my home.
Complaint Against Green Tree Servicing LLCSee Case # XXXXCOMPAINT HISTORY : My Credit Application was declined XXXX/XXXX/2013, by Green Tree for a XXXX ( New Owner ). ( Still within the 2-year statute of limitations ). 
Green Tree Adverse Decision Letter to me did not provide specific reasons for the decline, as required by law. Their Adverse Letter to my wife and I cited : " E. OTHER - Outstanding credit conditions associated with your loan approval have not been satisfied ''. I had no accounts, past or present, with Green Tree. Green Tree would not reply to my XXXX Certified Letters requesting that they provide specific reasons for decline. 
I submitted a complaint to CFPB, providing support for all the above. Green Tree did reply to the CFPB inquires. You can read their response in the file. Net/Net : Green Tree had the property in their portfolio with the person I was buying the property from. They mistakenly classified my request for a new loan as a refinance request from the existing owner.. Had Green Tree been compliant with the law requiring prompt & specific reason for the decline, and/o, r if they had responded to my XXXX certified letters asking the same, I would have been able to clarify. Since they did not, I was required, after their long delays, to find another lender. I lost XXXX basis points in rate, had to increase my down payment by $ XXXX and go with a 15 year term as opposed to 30 year term they confirmed to offer, subject to credit approval. 
REQUEST : The CFPB did not appear to take much interest in my original complaint. Now, Green Tree has agreed to a $ XXXX Settlement to affected consumers who were the victims of illegal loan servicing and abusive collection practices. Even though I am not one of their customers, the same type of servicing error, caused me the damages, specified above. 
Read the file, you will be amazed. I want to be included in the settlement. 
Oh, not related to the law suit, my wife and I did get a letter from Green Tree this past weekend. Green Tree 's Notification to my wife and I of a security incident that may have compromised all my application information, including social security numbers and other personal data. 

XXXX XXXX XXXX
It started XX/XX/XXXX when I called and spoke with XXXX XXXX. I told her that I was having trouble making the payments due to income change and NOT to debit my account on XX/XX/XXXX for the $ XXXX-I 'd have to make a payment another way.

She then sent me an email with other payment methods.

On XX/XX/XXXX Cashnet debited my account anyway which also got me a {$34.00} NSF fee.

I reached out to Cashnet and with much back and forth they said because I didn't respond with a payment method and the payment wasn't received they debited my account.

All of that created a further hardship.

I called today and spoke with XXXX XXXX   telling her I could not make the upcoming XX/XX/XXXX payment due to no longer working full time. I asked if a payment could be moved to the back of the loan and she said no.

She offered me 2 options, a double payment on XX/XX/XXXXor a XX/XX/XXXX payment of {$51.00} on XX/XX/XXXXthen another {$51.00} plus the scheduled {$200.00} on XX/XX/XXXX.

Those are just not feasible. I want to repay the loan of {$2600.00} which is the amount I received. I have made 2 payments so far ALL going toward interest NONE to the principal. I won't chose between paying this loan and whether my family eats.

I have ONCE again withdrawn consent from them to automated debit my account based on what happened on XX/XX/XXXX. I would like to pay something each pay period but I can't do {$200.00} twice a month right now while I transition from full time to part time.
The lender failed to provide the client and our office a detailed explanation of the reasons for loan modification denial in violation of Regulation X, 12 C.F.R. 1024.41 ( h ). 
Please cease and desist all foreclosure activity pending resolution of an appeal in accordance with Regulation X, 12 C.F.R. 1024.41 ( g ) .. The lender has stated that they denied the loan mod review due to incomplete package being received for review - The lender did not request a Letter of Explanation for XXXX income and did not send a missing letter document or a denial to the client. If they would have done there due diligence in the review of the file they would have found that XXXX is not employed so there were no pay stubs to provide.
I had an account with XXXX phone service in which we did not receive signal on the phones. I ( and everyone on my plan ) complained to the company in store several times, as well as on their company phone number and were told they were working on the towers so it would be resolved soon. After a couple months with no resolution we asked them to close the account. In which case they sent us a bill for canceling the account and then some. I disputed the bill in writing several times and had yet to receive any response to the matter. Now I see that this is on my credit report and I wish to see an investigation into this as I do not feel I should have to pay for service that does not work nor pay to cancel such service. 
Thank you.
My mother co-signed a NJ Class student loan for my daughter who continued to get an  XXXX  when job security was high. Upon graduation the market was terrible. There is no talking  w  NJ class, no flexible arrangements. We tried to keep up but finally we received court papers, to a  XXXX  yr old and poorly paid young person struggling to work many hours a day. Court papers were from  XXXX   XXXX  whose name is all over internet. Ca n't even follow federal rules of debt collection.   Long story short, mom passed in  XXXX  and they have not acknowledged what I sent or faxed. On top of it I asked for update, as it was my mother. They sent it to my daughter and have tagged  XXXX  in fees. Sneaky group, picking on the poor and extortionists. What can be done.
I had a verbal agreement with XXXX XXXX XXXX in which they promise me that my supposed balance would be reduced from {$930.00} to {$760.00} if I start with my payments. It happened about XXXX weeks ago. They also told me that after my XXXX payment, I would receive a notification with the new balance. In addition, during those conversations I told them that I would n't give any information about my bank account because I do n't know who they are, so I made my XXXX payment on XXXX XXXX, 2015 using their website in which I opened an account. 
After that point, I never receive the new statement, and I could n't access to my online account, but even worse is that they are saying today that there is n't any settlement, and they are forcing me to pay the whole amount of money again after I started with my XXXX payment which was of {$200.00}. 
If it is a serious company, there should be all of our conversations recorded, and there would be easy to identify who is saying the truth, and who is dishonest. 
To sum up, my initial balance with the original lender was about {$600.00}. Then, after I could n't pay it for a few months, it skyrocket to {$930.00}. Afterward, I agreed to start my payment if the account would be reduced a little bit, and it was reduced to {$760.00}, and later, I paid {$200.00}, so today the balance should be {$560.00}. However, they did not keep their word, and the balance is {$730.00}.