WillisBack/dataset-financial-user-claim huggingface dataset:
I filled out a request on-line to Transunion in XXXX, 2015 to investigate a fraudulent reporting on my credit report. The request for investigation was for a line item on my credit report from XXXX XXXX, # XXXX, for a collection of {$410.00} that was from the XXXX XXXX XXXX XXXX in New Hampshire. I explained to Transunion that I did not bring my animals to that veterinarian, and further explained that when I called the vet to dispute the charge, the vet said the bill was for the animal " Willow ''. I explained that the animal in question was my x-wifes cat that she purchased years after our divorce. The vet also stated that the address on the account was my x-wifes, as well as the phone number on the account. Only the name was mine. Therefore, the vet removed my name from the bill but they did not remove the amount from collections. Therefore, I was disputing this amount on the collections with Transunion. Unfortunately, I never heard back from Transunion. When I called back in XXXX of 2015, they stated that they could see the request on-line, but the request never made it to the correct office to investigate my complaint. I then gave a second complaint over the phone, explaining all of the above. Transunion completed their investigation and came back with the result " VERIFIED, NO CHANGE ''. Therefore, I would like to file a complaint against Transunion for 1, not acting on my original request for an investigation into a fraudulent reporting on my credit report. But also 2, for completing the second request and coming back with a " VERFIED, NO CHANGE '' finding with all of the evidence clearly exists to show that this is a fraudulent charge.
On XX/XX/2017, XXXX XXXX reported a negative trade line on my credit report without sending any verification in regards to the CCLR report  standard form 750 claims collection litigation report Sec.904.2 of the federal claims collection standard 31.CFR900-904 is a requirement relating to particulars in the amount of 32,576. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they must have a post judgement from a court of competent jurisdiction or 2 ) prior consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York general business law sec 349-Deceptive act, sec 380S-Identity theft and title 15U.S.C.Sec.1632-form of disclosure ( 2 ) creditor to provide contracts to the bureau. As defined under the title 18 U.S.C.Sec 1030-Access devise the reporting agency did not follows the laws under title 15 U.S.C.1681 S-2 ( a ) - duty of furnishers of information to provide the accurate information.
In 2006 i took a loan for XXXX with XXXX XXXX XXXX, my grandmother co-signed the note. As of this date i have not been able to find full time employment and although i was on an interest only plan for 2 years and also deferment at one time, the loan has become past due. I contacted AES and was told that XXXX owns the loan and that they have no there options for me, resulting in negative reporting to my credit file, which has negatively affected me when i apply for jobs. 

I have called AES ON numerous occasions requesting proof of transfer of my loan to XXXX, i never received anything and was told via email that they were unable to provide me with same ( copy of email attached ). 

My grandmother is in the XXXX XXXX XXXX  XXXX and can not help me. My mother has been assisting in payments but she is on XXXX and is limited in what she can do. 

I have been making payments for a while now and nothing has come off the principal of the loan and i now owe in excess of 57,000 dollars on a XXXX loan. i need help. 

The interest rate has gone up again and my payment will now be more than the {$460.00} i currently pay and i can't afford that.
On Tuesday XX/XX/XXXX at XXXX I check my card balance i knew I had XXXX $ to my name but jus wanted to be sure but when I checked it it was sayin that I have a pendin charge of XXXX $ and honestly dont kno wea it came from cause I have not spent anything.
I disputed and requested a validation of the debt Rash Curtis and Associates claimed I owed. Consumers have the right to request a validation of debt to ensure that the company collecting the debt has not made an error. Sending me notice of the amount I supposedly owe does not prove that I owe the debt ; it merely proves that their company seeks to collect the specified amount. In response to my request, I received a letter from Rash Curtis noting the amount I allegedly owe which was incorrect ( such as the location I received treatment ) and a copy of an outdated patient ledger/statement. In addition, the statement copy sent merely illustrates that I was properly insured at the time services were incurred and their client, XXXX XXXX, was negligent in billing my insurance provider within the required time limit. Therefore, neither Rash Curtis nor their client have properly substantiated their claims that I owe this debt and as such, it has nothing to do with me. 

In addition, I have provided significant evidence disproving Rash Curtis 's claim that I owe this debt and I have made several attempts to resolve this issue with both parties ( see attached ). My insurance provider at the time ( XXXX ) also attempted to contact both companies to resolve the issue and provided documentation showing I am not responsible for this debt as XXXX XXXX was contracted with them at the time of my services. Yet, Rash Curtis still reported inaccurate and invalidated information to my credit report over 5 months ago and despite receiving information from me disproving their claims shortly thereafter, Rash Curtis has not removed the debt from credit report. This action constitutes fraud under both Federal and State Laws and the negative marks found on my credit report are in violation of the Fair Debt Collection Practices Act and is Defamation of Character.
I made a payment on my XXXX XXXX credit card on XX/XX/18 for the current balance. On XX/XX/18 the automatic payment drafted resulting in a double charge on my account. There was no notification when I made my payment that it would result in the automatic payment still being collected. I called to request a refund and was told they can only issue me a check for the overcharge and it would arrive in 5-15 days. I inquired whether they could just refund the payment and they declined. I find it absolutely unacceptable that they would double charge my account without notification -- effectively stealing from me. To wait 5-15 days to get my money back is absurd, it should have be rectified immediately.
I have been trying to get the address to file a small claims suit against Bank of America in Utah. I get no help from any of the contacts I have made to Bank of America. I also did not receive the information in my last complaint. There were many errors on when my modification was done. My request is simple. I need the name, address etc. to who I can serve a small claims suit to in XXXX XXXX XXXX Utah.
Credit Report mailed to me dated XX/XX/19 contains no reference to an account with XXXX XXXX XXXX. Reference to an account with XXXX XXXX XXXX appears on the online credit report I have just viewed. This materially and negatively affected my credit score as detailed in complaints XXXX and XXXX.
I was currently on a payment plan and it stopped. I have asked to renew it via e-mail and tried calling the call center, but no one is answering. I have a video when I tried to call during there specified times, but no answer. E-Mail 's going back and forth to call the call center but still no answer from the call center.
I have a student loan that has been serviced by Great Lakes. 
In XX/XX/XXXX, my income driven repayment application was approved, and on XX/XX/XXXX, I made my first payment under IDR.
In XX/XX/XXXX, I submitted documentation that I work for a XXXX XXXX.
In early XX/XX/XXXX, I renewed by income driven repayment application. On XX/XX/XXXX, I received confirmation that I was approved. 
On XX/XX/XXXX, I made a payment of {$500.00} to Great Lakes. 
On XX/XX/XXXX, I got a notice from XXXX XXXX XXXX that they were now my servicer and that my account was delinquent. Evidently, when they transferred my loan from Great Lakes at the end of XX/XX/XXXX, they failed to transfer my last payment to Great Lakes. They also did not transfer any information about my income driven repayment plan. 
I have repeatedly contacted Great Lakes and XXXX to find out how I can get my balance to reflect my XX/XX/XXXX payment. As it stands right now, my account is showing up as delinquent, even though I made a payment in XX/XX/XXXX. In addition, they 're claiming I 've only made 7 qualifying payments under PSLF, even though I 've been making payments early ever since going on the IDR plan. Every time I talk to XXXX, I get a different, albeit not helpful, response. No one seems to know where my last payment went and when it will be reflected. I am being penalized for XXXX 's mistakes.
Dear Equifax, Please be advised that you are reporting the wrong address information on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. 

My current address is XXXX XXXX XXXX XXXX, XXXX XXXX Previous address XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Please remove the following addresses from my report as I have not lived there for the past year and dont collect mail there anymore. 

I will await an updated copy of my credit report to reflect these changes. 
Thanking you in advance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SS # XXXX DOB XXXX
Capital One should consolidate all their pulls on my credit into 1 pull instead of pulling my credit so many times & damaging my credit score & denying me. & Capital One should approve my credit cards because I have good credit.
On  XXXX   XXXX     2017 I subm itted a dispute for  XXXX  unauthorized inquiries on my Equifax credit report. They received the dispute on  XXXX  and completed the request on  XXXX . The request that I submitted included  XXXX  hard inquiries that were not factual and I received the same response for ALL inquires, which was inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it s tates that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. The fact that I received a response 6 days after I submitted my dispute, one can assume that there was no investigation into this matter. I plan to purchase a home this year and having this many hard inquiries on my credit report show a sign of financial trouble, when that is not the case. I believe there was a lack of investigation into my original dispute to have these unauthorized inquiries removed being that I did not authorize these companies to pull my credit report. This is unfair practices by the credit reporting agency with no concern for the credit worthiness of a consumer.
I believe I started this dispute in XXXX and was just now notified of the results. Equifax is not allowing me to log back in because apparently the information I provided does match to my file. Even though it did less than 3 hours ago when I logged in the first time. They obviously did not investigate properly or the results would be accurate. This particular account with XXXX XXXX was settled in XXXX. I have had so many unnecessary problems with this company it's unnerving. I have been trying to clean up my credit by paying off accounts so I can provide a nice home for my family and Equifax has been thwarting my efforts out of what seems to pure laziness. Pictures of the paid account and their " investigation '' results are included.
I purchased 'FurnitureGard Comprehensive Plan '' to cover a sofa and love seat I brought from Conn XXXX XXXX XXXX Appliance. I was told that'everything '' was covered. I have submitted a claim twice and been told that they will not fix the issue ( stuffing coming through the fabric ). I requested arbitration and have been ignored by the company twice. The contract states that I must simply request arbitration. When I called the clerk stated that I must begin the arbitration, which I can not do without an attorney and it is not what the contract states. I am requesting help getting the company to start arbitration as the contract states.
It was reported on my credit reports that I was late 60-90 days late on my student loan # XXXX with XXXX XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX. I applied for a forbearance due to XXXX and out of work for 3 months which was approved by XXXX until XX/XX/XXXX. I sent XXXX an inquiry as to why they reported to the credit bureaus that I was late and they sent me a letter stating that they did not report any late payments to the credit bureaus. I demand this account be removed from all 3 of my credit reports
I took out a few cash advances about 5 years ago and paid them right back with in days. I used the cash advance to assist my sister in her new business, to meet payroll. She gave me the money right back and I put it back to the credit card and told them it was a cash advance payback. How are they still able to charge me interest on those advances, to the tune of {$67.00} a month for the past five or m ore years?      XXXX   XXXX
My information was breached in the Equifax hack that occurred on or before XXXX 2017. All of my personal data was stolen, including SSN, full name, addresses, credit card numbers, and more.
Equifax stored the information with a very low level of security that made this possible. If they followed correct encryption and sensitive data storage practices, my information would be safe.
The auto loan debt was sold by Hyundai Motor finance to XXXX XXXX XXXX on XXXX 2016, They accept settlement agreement to pay off the account. 
I made the payment in full and they advised after payment clear, they will will reported as paid and XXXX balance. 
they confirm that payment was forwarded to hyundai. this original creditor is reporting to equifax that a have balance of {$510.00} I disputed couple time to hyunday that account has XXXX balance, they refused to report correct information. 
The satisfaction letter have been forwarded to hyunday. 
They acccept my payment, they must remove the balance as account is considered paid
The Student Loan Listed as : XXXX XXXX Date Open XX/XX/XXXX is reporting 60 and 90  days late in the months of XX/XX/XXXX and XX/XX/XXXX which is incorrect I never made a payment during this time because I did not have to as I was still in school I had started attending XXXX School at XXXX University and would not have been able to secure Financial Aid during this time had that been defaulted. I have requested between all three credit agencies XXXX, Equifax, and XXXX to delete just this one closed : Paid in Full status account and I have been ignored multiple times it is reporting inaccurately and effecting my Credit Report and ability to secure funding for anything additionally if I needed to.
On XXXX XXXX, 2015, I received an alert on my bank account that XXXX amounts had been deducted from my account. After calling Chase bank and finding out that they could not assist me over the phone, I visited a Chase bank. I spoke to a banker and explained that I had seen curious charges on my account and wanted to know why the amounts of {$620.00} and {$710.00} had been deducted from my account. As you can see from the documentation, checks were deposited twice. But, not by me. An individual somehow obtained checks from my home, after I had deposited them into my own account, and deposited them into their own personal accounts, XXXX Chase and XXXX XXXX XXXX, roughly 11 months after the checks were issued. Both XXXX XXXX and Chase Bank accepted checks that did not match the name of the account they were deposited into, had my signature on them, and were nearly a year old, which should have voided them to begin with. This money never should have been taken out of my account and is check fraud, theft, and the checks should have been flagged by the banks as stolen and voided because of the time frame. Chase Bank even found records of where the checks were deposited into- they know who the accounts belong to, per the records that were provided to me at Chase bank, please see attached documents. Chase would not help me get the money back and would not correct their error in depositing a check into another customers Chase account, and neither would XXXX XXXX I do not and never have had a XXXX XXXX account, so this was obviously theft.
Capital one and their attorney sued me for non payment of a credit card on XXXX occasions, once in XX/XX/XXXX and again in XX/XX/XXXX. After I filed a complaint with cfpb they withdrew suit and gave me a number to call to make payment arrangements as I had requested in XX/XX/XXXX, wanted 0 interest and 5 year payout, they refused to accept a payment plan. I have attempted to make contact on 3 occasions using a pin that was given by XXXX XXXX, and each time was told I have no open account.
I am wanting to report an issues with XXXX of my creditors auto payment that will not withdrawal properly from my bank account even after several setups causing me to have to constantly log in and pay manually and I finally figured out that the issue was not on my end for being reported late and impacting my credit report. After the several attempts before of setting up autopayment and it not paying. I figured I was thinking to myself that I may have forgotten to so I did a manual payment before. I was basically second guessing myself since I was thinking a creditor website should always have this working. This is during the beginning year when starting to use this creditor. Then I just started to just continue to log in and pay manually until around XXXX and XXXX I decided to set the autopayment again. Not thinking I didnt log back in because of my busy schedule to the site to check and thought it would go through this time. After later on finding out that I got a negative report that I was 30 days late. I decided to try one last time and setup autopayment after I got that. Then I logged back into their site and found out I was late yet again and no auto payment from my bank account yet again, fortunately I logged in again and did a manual payment before the 30 day mark. This creditors system is not functioning properly to do any autopayments for me. I am requesting for them to remove my 30 day late negative report for their haste of system issues. The third time setting up autopayment and not working is a charm to finally wake me up and understand that their website is not fully doing any proper auto payments. Do you know what are my options on getting this resolved to have the negative report removed. Do I need to submit a claim to a court to have them get this removed? Did they violate any laws for this? This is certainly not my fault for having a negative report if you relying on the creditor website system to do what it should be doing. If you look at my credit report. I have never had a late payment ever. After moving to this creditor and using their website system to make on time payments. It has ruined a bit of my credit. I have had on-time payments since I was XXXX and now XXXX. This is the first time every running into a creditor that system does not work the way it should or I would like. I relay on these autopayments to work so that I do n't have to login everytime to pay due to busy schedules. With my XXXX child its already hard to get some free time to spend for these things. The creditor I am mentioning about is the following below : FNB OMAHA XXXX, NE-XXXX XXXX
( XXXX XXXX XXXX that starts with XXXX ) I requested for the credit bureau to Please validate information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. In response they stated the company that reported the information has certified to that the information is accurate. IM REQUESTING TO SEE THE CERTIFIED INFORMATION THAT WAS RECEIVED BY THE CREDIT BUREAU, IN ADDITION, THE i Method of Verification. I do not consent to XXXX or any means of automated verification.
I received a statement fro Convergent Outsourcing, Inc. claiming that they were collecting an overdue balance of {$45.00} from XXXX. I googled Convergent and found other people who have been scammed in the same manner. 

I am a XXXX member and I reported this event to them. They suggested I contact the FTC.
To Whom It May Concern TransUnion  XXXX .  XXXX   XXXX   XXXX , CA  XXXX    XXXX    XXXX .  XXXX   XXXX   XXXX , TX  XXXX   XXXX   XXXX .   XXXX    XXXX   XXXX , GA  XXXX   XXXX ,  XXXX   SOC  #  XXXX  DOB  XX/XX/XXXX   XXXX     XXXX     XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX  To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item  ( s ) list ed below are as follow : Have enclosed a  XXXX  bills ***PLEASE UPDATE MY CURENT  ADRESS ADDRE SS :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,    XXXX    XXXX  BEEN LIVING THERE SINCE  XX/XX/XXXX  THESE ADRESSES ARE MY OLD ADRESS :  XXXX   XXXX   XXXX     XXXX     ,    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   ,    XXXX    XXXX  Old number and is no longer mine :  XXXX  *****MY CORECT NUMBER  XXXX  CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance wit h 15 U.S.C. 1681i ( a ) (   5  ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.     Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.   Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the pas t six  months.     Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item  ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so   will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address.      XXXX ,  XXXX   SOC #   XXXX  DOB  XX/XX/XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX