WillisBack/dataset-financial-user-claim huggingface dataset:
After sending certified, return receipt letters to TransUnion on XX/XX/XXXX, which they received on XX/XX/XXXX, reporting that there were inaccuracies on my credit report in the form of {$11000.00}, originally reported on XX/XX/XXXX, from the XXXX XXXX XXXX XXXX, and I that would like some type of verification bearing my signature, I never received any type of verification of any kind. 

All that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long TransUnion is allowed to verify any disputes legally ), I then sent another letter on XX/XX/XXXX, which was received on XX/XX/XXXX ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. 

Since no verification of any kind has ever been sent to me or provided by TransUnion, I am seeking that this particular inaccurate assumption is removed immediately.
On XX/XX/XXXX I contacted XXXX XXXX to inquiry about a medical account XXXX for {$160.00} showing my credit report. They stated was from a medical account that I'm own. I asked them when they sent the original letter to me and specifically what address they sent it to letting me know that I had a debt with them and what phone number they had where they tried to contact you. They gave me an address that I didn't live since XXXX. I agreed to pay the full account because I was told that if I take care of the account they will remove the collection account from my credit report. This was stated on a recorded line. I took care of the debt and paid the complete full balance believing in their word that they were going to remove that account from my credit report. This account needs to be removed ASAP since I was told that will be removed from my credit report. I agreed with them to pay the complete amount no matter that I wasn't sure if that were my debt and feel this is an unfair because they never received anything until it was too late and hit my credit report and I feel this is abusive because it is causing me a financial hardship because I'm having a lot of issues tryin g to qualify to buy a home and if I were able to qualify I'm going to end up having to pay a higher interest rate on a mortgage and that you feel like it is a UDAPP violation. I feel cheated by this company just to collect the money for that debt. I.ve contacting the collection agency and dispute this 1on the credit report but I haven't been received any response or been successful in resolve this matter. I attached the proof that I made this payment in full on XX/XX/XXXX as I agreed with that company in our phone conversation.
Re : Acct #  XXXX  To Whom  It May Conc ern : This letter is regarding account #  XXXX  which you claim my account was charged off {$500.00} This is a formal notice that your claim is disputed.     I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have  ( or ever had ) so me contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including   XXXX   XXXX   XXXX   XXXX    ) fr om your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.     Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.   Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Sectio  n 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
For the purposes of 15 USC 1692 et   seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.     Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.       P.S. Please be aware that dependent upon your response,  I may  be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.    Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collectio n :  Other ( i.e.  phone, health club, etc. ) - [ ] Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount  DESIRED RESOLUTION
In XXXX, I was never served with court documentation of court date. Due diligence was not afforded to me. A judgment was placed and a lien on my account surfaced in XXXX as well as a wage garnishment. This wage garnishment caused me to become homeless with a dependent as well as other funds in my accounts. The agency purposely had the Notice of Lien forwarded to a random address in XXXX XXXX with my personal information in it. I had to drive to XXXX XXXX to get the resident to agree to sign a notarized letter indicating I never resided there or received mail there. After investigation and a documentation trail, it was discovered this debt was paid. In XX/XX/XXXX, I showed proof to the judge I was not served properly and that the agency and its attorney purposely denied me due diligence to deceive the court. The judgment was vacated in XX/XX/XXXX. The court was notified with their required form with my new address. The funds were returned. In XX/XX/XXXX, we went back to court where I had already began the process of filing for bankruptcy. The case was non suited.. In XXXX, XXXX I received a message via social media by a former neighbor in XXXX that I was served at her address in XXXX with a court date in XX/XX/XXXX. The court date was continued until XX/XX/XXXX where the bankruptcy was already in place. Documentation was supplied to the court. Each court visit caused me to travel from XXXX XXXX to XXXX, I was charged {$100.00} by each bank for the lien fees. I had to stay in a hotel for 6 months until the judgment was vacated. This debt was satisfied back in XX/XX/XXXX. Each time the agency and their attorney filed in court, they purposely had me served at my former address in XXXX, knowing I lived out of state and were aware of my current address.
I received a " Limited Time Offer '' letter ( attached ) dated XXXX/XXXX/2016 stating that they were willing to settle my debt of {$2500.00} for {$1500.00} if that amount was received no later than XXXX/XXXX/2016. XXXX payments were made to the agency totaling {$200.00} between XXXX and XXXX. On XXXX/XXXX/2016 I called to make the remainder of the settlement amount of {$1300.00} but they would not accept it as payment in full. They stated that the {$200.00} in payments did not count towards the offer amount. I feel that this is a total misrepresentation and is not what the letter stated or implied. No where in the letter does it state that any payments made in this period would not be applied to the settlement amount offered. Please investigate these false statements and what I consider to be unfair practices against the consumer.
I got divorced and just wanted my wife 's name off the mortgage. It was the mortgage I took out in XX/XX/XXXX. The exwife signed a quit claim. Bank of America told me that I needed to apply for a new mortgage in the Assumptions Department. I did and was XXXX refused a mortqage I already have been successfully paying. I demand a full refund of my amount of payment for the mortgage application to the Assumption Department. This process started in XXXX XXXX. It has gone on and on due to a slow bureaucracy inside Bank of America. How slow? XXXX letter from BAC demanded information or threatened denial of a mortgage if new information was not provided promptly. The letter was dated, for example, XXXX XXXX, XXXX but was postmarked from the same office a complete one week period later on XXXX XXXX, XXXX!!! Thus the letter did not arrive until two days before the " due date '' for the newly requested information. I was passed from one loan handler to another. I would like to list their names here. 
Now a complaint about this very website : underneath this webpage asks for a type of bank service, and no where is " MORTGAGE '' listed. 
I am picking the XXXX option, advising you now, I mean " mortgage problem '' by picking the XXXX option below.
" " '' I have disputed this collection on thisXXXX & XXXX XXXX for months.XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
The flight attendants on several of my XXXX XXXX flights got on the intercom and advertised that I would get a free ticket and extra miles for signing up for the XXXX XXXX / Bank of America credit card if I submitted my application while I was on the flight. I filled out the application and handed it to the flight attendant. The credit card I received in the mail was different than the XXXX advertised. What they did n't tell you on the flight is that they have XXXX classes of credit cards, and only XXXX of them has the benefits they advertise. I got the one without the free ticket. I also never got the extra miles that were promised for signing up on the spot. Once I realized I 'd just experienced a classic bait and switch, I refused to activate the card. I also called and cancelled the account. The customer service rep. told me that the annual fee would be waived. A couple weeks later, I received a bill for {$50.00} for the fee that had allegedly been waived. All in, it took three calls to customer service for the account to be closed and the fee to be waived. I love Alaska XXXX. It 's unfortunate they are pitching awesome benefits with no qualification and then delivering something else. The last customer service rep. mentioned that he had heard this complaint XXXX times. At best this appears to be ignorant flight attendants, but it feels much more like deceit.
Comenity bank charged me a late fee of {$27.00} on XXXX XXXX my payment was due on XXXX XXXX for my XXXX Credit Card. The balance for my account was {$170.00}. Then I received a credit for a return bringing my balance to {$130.00}. 

I believe Comenity Bankcharges excessive late fees for the proportion of a consumers balance. In addition I believe Comenity is charging a late fee on the accounts prematurely not providing consumers adequate time to actually submit their payment before a fees charged.
To whom make concern : XXXX XXXX XXXX XXXX of XXXX that it had been my only checking and savings for 19 years and it was originally entitled XXXX XXXX XXXX XXXX charaged me inapproply for a {$45.00} after I closed my account and failed to inform me that I owe anything. The president XXXX XXXX immediately sent the matter conserving a {$45.00} to a collection ageny and significantly affected my credit score in a negative way. <P/>I received no correspondence from the bank or any collection agency. I learned about it when I opened a checking account with XXXX XXXX in XXXX Massachusetts. XXXX XXXX  officials notified me that the collection had been placed into collection XX/XX/XXXX and I did not learn about it until I open another account in XX/XX/XXXX. <P/>During the 19 years as a credit member at XXXX XXXX XXXX I purchased four vehicles ( two motorcycles and two foor door vehicles and paid off all of my loans impeccably. <P/>XXXX XXXX 's decision with spiteful, unprofessional, intentional and damaging to my credit. That is unacceptable coming from a credit union, so I making this complaint to the federal trade commission as well as the commission of credit card companies against XXXX XXXX only took over as the president of the credit union three years ago. ( XX/XX/XXXX ) He is a cold, unprofessional who treats cumstomers poorly. I have also sent a copy of my complaint every member of the XXXX XXXX XXXX XXXX XXXX XXXX 's board of directors and received no response. <P/>My objection it is they treat a very small credit union that is set up for municipal employees and teachers like it 's a gigantic corporation and we are just a number. That was never true before XXXX XXXX was assigned to the presidency by the board of directors. <P/>I would like the matter to be rectified, investigated in my credit restored by the credit union contacting the Frederal Trade Commission directly and the three major comsumer credit agencies to remove that false statement. <P/>XXXX XXXX 's unethical behavior and unfair treatment to a member of 19 years illustrates the fact that he does not belong leading a credit union, rather he is more suited to be a debt collector or an insignificant staff member in a large financial institution, because he lacks the communication skills or professionalism to represent a credit union that serves the needs of firefighters, teachers, and the police department and XXXX and other XXXX XXXX. <P/>Thank you for teaching out to me in order to help me in this situation which is unfair and unethical on the part of XXXX XXXX and XXXX XXXX XXXX XXXX newly named to the XXXX XXXX XXXX XXXX, I would never have believed that a credit union would deliberately impact a 19 year member 's credit negatively. <P/>Sincerely, XXXX XXXX XXXX Former Account Number XXXX.
The company is XXXX XXXX XXXX XXXX with an address of XXXX. XXXX XXXX, XXXX, GA XXXX. Phone is XXXX. Our account is XXXX with last 5 digits of account being XXXX. Account is under the name XXXX XXXX, XXXX XXXX. <P/>Trouble with this company has been from inception of the account, but documentation started XX/XX/XXXX. When calling you can never get resolution and they are always having technical difficulties. We have been trying to close this account without success. Most recent conversations were on XX/XX/XXXX at XXXX XXXX PST. Spoke with XXXX to say we keep receiving invoices showing a credit balance ( they owe us ) of {$4.00}. He said he would take care of clearing that out and he shows the account was actually closed XX/XX/XXXX. He gave me a case number # XXXX. <P/>On XX/XX/XXXX I received another invoice, this time with a " Special Credit Fee '' charged in the amount of {$79.00}. With the previous credit they are billing us {$75.00}. I called XX/XX/XXXX at XXXX XXXX. PST and spoke with XXXX who transferred me to XXXX XXXX who then transferred me to XXXX in Financial Services. She admitted she did not know what the charge was or why it was on our bill, but would credit that amount to clear it back to XXXX. She also confirmed our account was closed XX/XX/XXXX. She provided me with a Billing Case # XXXX and claimed she really is n't supposed to give that information out, but I demanded some sort of reference number to prove this conversation took place. <P/>Other calls and cases to this company include : XX/XX/XXXX case # XXXX, XX/XX/XXXX confirmation number XXXX ( this call included the representative using the " XXXX '' word to me when his computer did n't boot up ), XX/XX/XXXX mailed request to close account, XX/XX/XXXX email to XX/XX/XXXXto close account - this was followed up with a response from them telling me I needed to call to close the account. XX/XX/XXXX mailed letter again to close account. And the two most recent contacts are listed above. <P/>This company will invoice with a due date that is one to two days earlier than when you receive the invoice in the mail. I have saved the envelopes showing the post mark. This triggers a finance charge and you can never get ahead even when full payment is submitted. Example : Post mark says XX/XX/XXXX ( Friday ) but bill is due XX/XX/XXXX ( following Tuesday ). With time needed for post office to process we do n't receive the bill until XX/XX/XXXX - a day after it was due. They are purposely delaying to create fake finance charges.
Greetings, My loan servicer is XXXX XXXX and they have been insufficiently responsive to inquiries I've made. 

First, I asked for them to provide a copy of an official letter updating me on the number of qualifying payments I've made towards PSLF. They told me originally that my most recent ECF I had submitted was approved on XX/XX/XXXX and that it would only take a few weeks to get back to me on the updated number of qualifying payments. I haven't heard anything since even though I've followed up with them. 

Secondly, I've asked for them to re-review payments I had made back in XX/XX/XXXX-XX/XX/XXXX ( made during a transition from IBR REPAYE ) to see if  they could be counted towards PSLF due to the " Consolidated Appropriations Act, XXXX provided limited, additional conditions under which you may become eligible for loan forgiveness if some or all of the payments you made on your XXXX XXXX XXXX XXXX XXXX XXXX ( Direct Loan ) Program loans were under a non-qualifying repayment plan for Public Service Loan Forgiveness ( PSLF ). The U.S. Department of Education ( ED ) is referring to this reconsideration as the Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) opportunity. '' However, they've continued to tell me that this is under re-review and has been ongoing since XX/XX/XXXX per my records, which to me is an unreasonable amount of time. I want an answer to this. 

Thank you. 

-- XXXX XXXX XXXX P : XXXX E : XXXX XXXX
It is basically impossible to get a hold of someone at Transunion. The phone number on my credit report is just a loop, and all they want to do is sell you products. I need to tell them they are reporting judgments that are not mine, and I 'm currently paying too much for my mortgage due to this.
XXXX   XXXX   XXXX  , account #  XXXX  was disputed then removed from my  XXXX  credit report on  X/X/2016   . It was also disputed then removed from my   XXXX   credit report on  X/XX/2016   .   XXXX   XXXX   XXXX   sold the removed collection accounts to  XXXX , account #  XXXX , and it is harming my  credit score.
On XXXX XXXX I received A call from the company Lending Tree they transferd my to the bank here in XXXX Michigan Quicken Loans. I spoke to a XXXX XXXX who phone number is XXXX which the area code does not match the area code here in XXXX. ( XXXX ) I am a Veteren of the United States XXXX in which i asked XXXX XXXX about their Veteran home loan products. At no time i asked him to give me a quote, all i wanted was details about the products they offer. XXXX ask for my social security number so he can view my credit history i explained i am waiting for the XXXX reporting agencies to update my report. XXXX also explained that if my score was too low his team members at Quicken Loans can assist me by speeding up the credit issue process and if i give him my social security number to view his team members would call me immediately if my score was to low. The team members never called creating an hard inquiry on my credit report. I feel this is a bias company preying on the poor I am a Veteran of the United States XXXX and i need help.
Good morning. I have a credit card with Capital One. My payment due date is the XXXX of every month. I made my XXXX payment on XX/XX/XXXX. I had a little extra money a couple of weeks later, so I figured I would go ahead and make my XXXX payment early ( XX/XX/XXXX ). I did all of this via their automated system. Well, now they are telling me that payment I sent did not go to my XXXX payment and I have another payment due XX/XX/XXXX. When I contacted them, they stated that they could not credit that payment to XXXX and I would need to make another payment by the XXXX or I would get hit with a {$28.00} late fee. This seems to be a nice scam for them. I paid EARLY, but they did not credit my account as such in an attempt to collect a bogus late fee. Your attention to this matter is appreciated.
I have an incredibly high student loan debt near {$200000.00}, half with Navient, and half with XXXX. I have already submitted a claim for XXXX since they do not have an Ombudsman office. For Navient, I spoke to a very nice woman in the Ombudsman office who said she was essentially executive management at Navient, and whatever information she provided was the best I could get. I send her the Cost of Attendance estimates that my school, FIT, provided from the Financial Aid office, which is what they said was considered when they approved all of my loans. This is very disheartening, as I believe about 60-70 % of what I was approved to take out was irresponsible and way too much based on the Cost of Attendance estimates. Navient 's contact said that there was nothing she could do, since I signed the promissory notes - she offered no additional options or advice. She even agreed I should speak to a lawyer regarding my issue. I want to live my life, not be burdened by the mistakes I made when I was XXXX years old. I need to be able to save for a house and family. I need options other than paying this loan back until I 'm XXXX. I also need someone to take responsibility for the predatory lending I am a victim of. Please help.
I would like to close the checking account ending in XXXX. I spoke with XXXX, XXXX., XXXX, XXXX, as of XX/XX/XXXX, and am being told that my checking account will be closed. I would like to keep the lines of communication open so as to see why they would not qualify me to close the checking account. They seem to want to hold onto the {$110.00} and apply to car insurance and keep me a customer. I still am car insurance customer. I 've been hospitalized before XX/XX/XXXX when I asked to close USAA account and female rep called the police on me and i got processed through XXXX, discharged, and USAA was so mean to me thereafter accusing me constantly of being XXXX. It 's made me very XXXX to deal with USAA and have XXXX. And the XXXX have sent me to XXXX and caused XXXX and me to be uncomfortable. I feel so discriminated against by USAA. confirmation number : XXXX and will send check to po box in XXXX, az and will reflect XX/XX/XXXX. I would like to keep lines of communication open unit I receive check and account has been closed for 90 days. I do n't know why the reps have been so difficult and treated me rudely. They really XXXX and caused me some uneeded XXXX in XXXX amongst XXXX. Not to mention, XXXX XX/XX/XXXX and REP PLACED CALL TO XXXX POLICE AND oFFICER XXXX. When I relocate XX/XX/XXXX, I hope to find a better car insurance company. I can not believe they would be so insensitive and try to make me unsafe and seek XXXX and XXXX just to remain customer.
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to Enhanced Recovery Company which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. Enhanced Recovery Company has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Enhanced Recovery Company. Enhanced Recovery Company is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.