WillisBack/dataset-financial-user-claim huggingface dataset:
I have a complaint against Transworld Systems , Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PA XXXX ( XXXX ) XXXX. I was treated at XXXX XXXX XXXX XXXX on XX/XX/XXXX for the last Appointment in treating a XXXX XXXX. I have no co-pay from my insurance and never had to pay one for  any of my treatments. All of a sudden I received a statement that I owed {$100.00}. The last time I spoke to XXXX XXXX XXXX at Transworld Systems on XX/XX/XXXX at XXXX XXXX with a complaint because I received a written letter on XX/XX/XXXX from them saying I still owed this money. XXXX XXXX XXXX took my ID # from my health insurance to resolve the problem. I am really upset even more now because they have not resolved the problem because when I received my house insurance bill, I was informed that my credit was now affected and my bill was now higher. I feel that I have been a victim by this company and that they should be stopped from defrauding others.
I have been contacted by this company multiple times and have sent a cease and desist letter asking not to be contacted again. Letter was mailed on XX/XX/XXXXfrom the post office. I was not contacted again until today, XX/XX/XXXX, by XXXX XXXX. I returned her phone call at XXXX XXXX & she became very hostile over the phone when I refused to pay. She claimed they did not receive the cease and desist letter, when I asked for an address to send the letter again she refused to give me the address until I answered her questions. She claimed the call was recorded, and I hope it is for the CFPB to investigate, as when I asked her to not contact me anymore she said she would continue to contact me. She also claimed this could come back to hurt me ; did she mean physical? Right before she hung up on me she mentioned the type of car I drove. A scare tactic like somebody is watching me or was she misrepresenting they would try & take my car which has nothing to do with this case? She claimed the debt was for a high interest loan taken out online with XXXX XXXX XXXX.  When I research XXXX XXXX XXXX their interest rate is above the maximum legal amount allowed in Tennessee and Northwood Asset Management is not licensee to collect debts in Tennessee.
I received a letter from IC System a debt collector. I called the company, XXXX., spoke with XXXX in billing and she discovered they had left the A off on the end of my Medicare card, so she said she would rebill Medicare. A couple of months later I noticed that the debt still was not paid so I called again ( XXXX XXXX XXXX, spoke with XXXX, at that time she said she would rebill Medicare again. Then I received an EOB from Medicare stating that I would be billed XXXX. 
Then about a week and a half later I again received a bill from the collection agency at that time I tried to call XXXX XXXX unscccesfully, the line was always busy. I called some agencys, XXXX XXXX and XXXX XXXX. 
I am going to try to attach some info to help you to understand.
Hello, I contacted TransUnion on several occasions regarding inquiries being deleted and re-inserted on my credit report. My first contact was through their online dispute system in XX/XX/XXXX. I was advised that inquiries were factual. In early XX/XX/XXXX I noticed more inquires on my credit report. So, I then mailed in a letter to Transunion advising that these inquiries were removed and re inserted without my knowledge. I again received a letter stating that inquiries are factual. I proceeded to write another letter in XX/XX/XXXX and XX/XX/XXXX. You guessed it, I got the same computerized response inquiries are factual.
I now know that Transunion has experienced 2 separate glitches that resulted in information being reinserted on credit reports. Transunion never told me that there was a glitch and that items that were deleted would be added back. I am aware of my legal rights. Transunion failed to notify me within 5 days PRIOR to adding these inquiries back to my report.
I demand that TransUnion remove all of the below inquiries for this reason.
I have reached out to this company many times to help with the late payments they are reporting to my credit. I would like to work with the company to have the late payments removed to help me build my credit. Thanks.
On XX/XX/XXXX I withdrew {$500.00} from a {$1000.00} line of credit I opened with CashNetUSA to pay an emergency bill. On XX/XX/XXXX I withdrew {$500.00} from the line to pay another emergency bill. When I had {$300.00} withdrawn from my checking account on XX/XX/XXXX in payment I was stunned & called their XXXX to find out if the minimum payments were always going to be that much, I was told by the representative that the next payment on XX/XX/XXXX would be for {$350.00} & none of these payments would reduce the principal at all. The representative told me this was disclosed to me & I do not believe I was given a detailed disclosure with clearly written examples when I foolishly opened the account. Very sorry. These payments are exorbitant & earn the title of " Loan Shark '' for CashNetUSA. A portion of these outrageous payments should be applied to the principal. I am elderly & depend on a monthly Social Security payment. Please see that others are warned about this " business ''! Thank you.
I went to BB & T in XXXX Maryland to change the responsibility of my car loan to my husbands name because I got this car for him when he did n't have a social security number at the time and he is the one paying every month for his new car, so more than fair that now that he has his social to take this car out of my credit history. 
I went to the bank and I spoke with XXXX XXXX XXXX a suppose loan specialist. 
I told him exactly what I wrote above. He said that would n't be a problem as soon I would co-sign for my husband, and I agreed and signed the contract. I did n't read because what we said was clear and he said was n't a problem to do what I asked. 
Later on he called me saying that both names would be in the car title, I said no, I wanted my name out of everything I would just co-sign, than he said if you want pay XXXX dollars more to make it a sale to your husband I could, I asked him that normally they include that at the loan and we do n't need to pocket it right away. 
So I called his manager to ask about including the XXXX on the loan when his manager than told me that when I co-sign a loan the loan will be keep showing in my credit report and he said sorry for the employer mislead me saying that would n't be a problem, but at this point there was nothing he and I could do because the contract, that he never gave me a copy. was already signed and the check was made. The only thing he said that I could do was get another loan with another institution at my terms. 
I said I wanted to cancel the deal because I was mislead and betrayed by one of the institution 's employer and again he said he could n't do anything. 
This is at a least case of a very dishonesty way to make his monthly cote.
Ocwen Financing is reporting a duplicate mortgage and have refused to remove the account which shows a duplicate account by them. Including XXXX XXXX XXXX has a duplicate account on my credit report.
I was sent a unsolicited pre-paid Mastercard Debit with my name on it from an organization called netSpend, XXXX XXXX XXXX, XXXX TX XXXX, supposedly associated with a bank named " XXXX '' I did not ask for or apply for this card. It appears to be a fully functioning card ( except for activation ). I do not want cards that are linked to my identity being sent out without me having applied for or requested a card. I see this as potentially putting my identity or my financial security at risk. This is a lousy practice and should not be allowed.
My Bank of America credit card has been compromised several times over last few years. No charges appeared on my acct so I can not investigate myself. 
Upon calling the bank they refuse to tell me who the merchant is citing, by " law '', they could not fearing the merchant would suffer loss of business if revealed I feel the consumer is entitled to this info to determine if this is the same merchant. They would only state the date of the compromise was XX/XX/XXXX and it was not via online, but an actual store. I Am trying to verify if this, in fact, is a federal law.
I sent the attorney the three letters from him reflecting three different dates of service and the amounts. I wrote him on XX/XX/2018 asking for proof of the debt. I received another notice of debt today and no response to my letter. I believe he is misrepresenting himself. I can't imagine a hospital turning over a debt of {$7.00} to an attorney.
This debt from I.Q. DATA INTERNATIONAL, INC, was added to my credit report. The amount is XXXX which I do not owe from an apartment complex, XXXX XXXX. First off the apartment complex was aware we were moving. We had no central air during the summer, we were given the wrong apartment and various other issues they were in breach of the lease agreement. Management was aware and notice was given then they turned around and posted an eviction letter, they kept our deposit, and we moved.No one ever contacted me on any bill. The date is wrong wrong on this we lived there in XXXX this was reported in XXXX. Furthermore this apartment was rented out the next month. We are not liable for this debt and certainly not that amount. Interest is also collected this is a non interest collection. Who ever heard of collecting interest on a collection debt. This company was involved in a class action lawsuit for exactly what is going on here. I want this off of my credit report. Nothing has even been sent to me substantiating this debt. I have disputed this multiple times. with no results. This is my last resort before legal action.
Monthly statements do not display current interest rate or breakdown as to how much of monthly payment is principal versus interest. 

I have written to the company asking for the interest rate of this installment loan, and requesting the XXXX interest rate reduction - but, my correspondence has been ignored. 

I am a reservist who has been on multiple periods of XXXX XXXX orders since getting this loan ( for an HVAC replacement ) ... But, the company ignores my requests for information about XXXX interest rate reduction. 

Account : XXXX Please help. 
Thank you.
I mailed transUnion twice to remove all personal information out dated and obsolete they have not done so, they update twice now and information still on account please remove items on the two letters I mailed to you twice names, address s, jobs, spouse, phone numbers they are obsolete I did not attach personal letters to this case
Denied credit from XXXX. Called XXXX was told MISSING credit info from XXXX. Ordered Equifax credit report and all info missing from XXXX to present BLANK nothing. Applied for XXXX card died reason missing credit information. Called Equfax could do nothing but send me the report. sent me report and ALL INFO MISSING from XXXX to present. Disputed online 2 more times. No Response from Equifax.
I am a non customer of this financial institution. I was attempting to make a deposit on my daughters ' behalf ( who is a Chase account holder ) into her account. I was at the XXXX XXXX XXXX XXXX location in XXXX XXXX, La. The incident occurred on XXXX/XXXX/16 @ XXXX. I pulled into a drive-up lane, requested a checking deposit slip, completed it and placed cash money into carrier back to teller. She asked if I had an account, I stated no I did not, that I wished to deposit into my daughters ' acct. She rudely stated, '' you ca n't do this, you must be the account holder! '' She never took the time to explain your bank 's policies on accepting cash from non customers. She is a very poor representation of your institution and certainly warrants training in customer service. I have never had an account with this bank, and certainly after this unpleasant interaction I have grave reservations in obtaining one. I informed my daughter of this incident and she as well is contemplating changing to another financial institution. I then gathered my monies from the carrier, and upon looking up at the tellers ' window, I noted she and another co-worker were standing and both staring at me talking amongst themselves. there were no other customers in teller lanes. How rude can this be?? I left quite upset, I drove to another branch in XXXX. This Chase location was much friendlier ( XXXX XXXX ). I asked teller would I be able to deposit into my daughters ' account and she stated I would only with a check. I proceeded with the transaction and left satisfied.
Credit Report Inquiry XX/XX/2015Your company Citi Bank NA DBA BestBuy Credit card did not communicate with all three credit bureaus within 30 days of receiving any of the two letters sent to you that the item in question was in dispute as per the Fair Credit Reporting Act. As proven by my most recent credit report from all three credit bureaus. I have disputed a debt and you have failed to report it as disputed with the credit bureaus.Protection under the Fair Credit Reporting Act. (FCRA 623) If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623(a)(1)(B).  If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. This identified by an informational line about the dispute added in the comment section of the item on the credit report. Section 623(a)(3).
I HAVE CALLED TRANSUNION JUST ABOUT EVERY MONTH FOR TWO YEARS, AN ACCOUNT FROM XXXX XXXX IN WHICH I AM THE AUTHORIZED USER HAS BEEN DELETED/BLOCKED OFF OF MY CREDIT REPORT FRAUDULENTLY, TRANSUNION STATES CREDITOR REQUESTED REMOVAL, XXXX XXXX HAS CONFIRMED THEY HAVE NOT DONE THIS. TRANSUNION STATED THE ONLY WAY THAT THIS ACCOUNT CAN BE RE-ADDED TO REPORT IS IF CREDITOR BEING XXXX XXXX CALLS A MARKETING NUMBER ALLEDGEDLY XXXX XXXX IS SUPPOSED TO KNOW AND HAVE. TRANSUNION WILL NOT PROVIDE ME WITH THIS NUMBER TO GIVE TO XXXX XXXX, ALL OF XXXX XXXX CORPORATE REPRESENTATIVES HAVE STATED THAT THERE IS NO SUCH NUMBER THAT THEY EVER CALL. IT IS APPARENT TRANSUNION HAS BEEN PROVIDING ME WITH FALSE AND MISLEADING INFORMATION FOR OVER TWO YEARS. THIS HIS HINDERED MY ABILITY TO FAIRLY OBTAIN CREDIT FOR WELL OVER TWO YEARS BY NOT REPORTING THIS POSITIVE ACCOUNT. TRANSUNION HAS ALSO STATED THAT THIS ACCOUNT IS BLOCKED, MEANING THEY CAN SEE XXXX XXXX MONTHLY UPDATES, BUT CAN NOT AND REFUSES TO INSERT THE ACCOUNT BACK ON REPORT. IT IS A FACT THAT IF THIS ACCOUNT SLIPPED INTO A NEGATIVE STANDING NEGATIVELY AFFECTING MY SCORE THE ACCOUNT WOULD BE RE-ADDED BACK TO MY REPORT WITHOUT ANY QUESTION WHICH IS AN UNFAIR PRACTICE AND BIASED. XXXX XXXX HAS PROVIDED AMPLE CONFIRMATION TO HAVE THIS ACCOUNT RE-ADDED TO MY REPORT WITHIN THEIR POWER, TRANSUNION HAS NOT BEEN TRUTHFUL WITH THE MEANS OF PROCESSING. IT IS MY UNDERSTANDING TRANSUNION IS COMPENSATED FOR REPORTING NEGATIVE INFORMATION AND WOULD BE TO THEIR ADVANTAGE TO DO SO. THE ACCOUNT IN QUESTION ENDS IN XXXX. IF TRANSUNION CAN NOT VERIFY XXXX XXXX HAS REQUESTED FOR REMOVAL OF ACCOUNT THEY ARE PRACTICING ILLEGAL METHODS. I CAN OBTAIN CONFIRMATION ON THE PART OF XXXX XXXX PLEASE ADVISE. IT SHOULD BE NOTED THAT I HAVE XXXX OTHER XXXX XXXX ACCOUNTS REFLECTING MY REPORT, IT MAKES NO SENSE FOR XXXX XXXX TO REQUEST REMOVAL WITH A BALANCE ON THIS ACCOUNT. THE ACCOUNT IN QUESTION HAS A HIGHER AVAILABLE CREDIT RATIO WHICH GREATLY IMPROVES MY PERSONAL CREDIT. OTHER CREDIT BUREAUS REPORT THIS ACCOUNT, THEREFORE TRANSUNION HAS NOT BEEN HONEST IN THIS MATTER
I had a really bad experience dealing with citibank mortgage department. They gave me a pre approval for a $ XXXX loan based on all the documentation that they asked for. And based on that I went ahead on a contract for a property in XXXX. Nothing changed at my end, all the docs and financial situation remained exactly the same as it was at the time of approval. During the approval time, they made me spend {$1300.00} USD on appraisal process, stating clearly that it will be returned back. And when the appraisal came back fine, they said my financial situation is not good for giving a loan. When I asked them what has changed since the time I took pre approval, they said nothing. Now for last 2 days, I am asking them to credit back the money which they charged and they are not communicating with me. Absolutely nothing.
Navient is the company that has my student loans. Since 2013, when I was medically declared XXXX, I've been dealing with Navient for student loan forgiveness. I qualify for student loan forgiveness. I've submitted the required and necessary information to Navient several times, each time being told I've been approved for student loan forgiveness, only to receive a phone call or documents in the mail from Navient stating my paperwork submissions are incomplete. I've ensured each time that I have the correct Navient paperwork, verify what the incomplete portion is needed, go back and complete the same paperwork according to the same standards multiple times that even my doctor is tired of filling the same documentation out that he is now charging me {$350.00} to fill it out. This paperwork is the same each time, I'm told each time that I'm approved and it's formally in the process for forgiveness and then each time told my application and required paperwork is incomplete and Navient has me redo the exact same paperwork. This is a circular game. This is now on my credit report and I'm receiving threatening phone calls and notices from Navient AND the Department of Education stating they will garnish my wages ( which are non existent because I can't work ), withhold my taxreturn etc
I saw your recent lawsuit involving Navient. I am currently in disagreement with them regarding loans ( XXXX ) that i allegedly co-signed with an electronic signature. I did not electronically sign any student loan, nor did I have the ability to at the time they allege I did. On XXXX of the dates I was serving in XXXX, I know I did n't sign from there. I asked them for proof and they sent me loan agreements with my first name typewritten on the signature line. Further proof, they can not provide. Are there standards that private organizations must adhere to regarding electronic signatures? 
I am retired XXXX XXXX and a Full time XXXX XXXX XXXX.
I disputed these items back in XX/XX/XXXX. The CFPB sent me 2 emails apologizing for the XXXX XXXX XXXX not responding in an appropriate time. You ( CFPB ) threatened to take action, so instead, in XX/XX/XXXX XXXX XXXX XXXX said that my Dispute was frivolous and unfounded. It is not my debt and when I Disputed all 3 of these again in XX/XX/XXXX through XXXX, they removed 2 of the 3 because they couldn't back up the information. I have Disputed now again after XXXX reports the inaccuracies yet again. This is getting ridiculously redundant and all parties involved now are purposely ruining my Credit and my Name! I want this matter resolved ASAP, the  remaining account that is charged off is too be removed in XX/XX/XXXX/XX/XX/XXXX XXXX   removed 2 of these items in XX/XX/XXXX and now has put them back. I see no other way of looking at this but that these companies are directly sabotaging my Credit Reports. These need to be removed immediately and my scores adjusted accordingly. 

Thank you for your immediate attention to this matter.
XX/XX/18 - Contacted by XXXX XXXX XXXX at Caliber Home Loans regarding applying for a USDA mortgage. He assured me that his firm was familiar with the bankruptcy/foreclosure exceptions and exemptions for USDA loans involving regular or manual processing with or without GUS.

The property in question was not reaffirmed in the Chapter XXXX.

XX/XX/18 - XXXX XXXX reported that my mortgage application was denied due to the foreclosure. He stated, " USDA is a hard no until your foreclosure is 3 years old '' ( XXXX XXXX Mon, XX/XX/XXXX, XXXX XXXX ) and " I dont think you get It! I had USDA underwriting look at it and they dont feel your reason for the hardships are sufficient enough reason for foreclosure '' ( XXXX XXXX XX/XX/2018 ). The foreclosure is an irrelevant issue as stated below in the USDA guidelines. Further,  XXXX XXXX has ignored my requests to receive further explanations from the party ( ies ) that made the erroneous decision. My bankruptcy was caused by unemployment ( layoff ) followed by underemployment, plus the three-year window has already passed for the Chapter XXXX. Again, the denial for foreclosure was an error by Caliber.

USDA Guidelines - " When a Chapter XXXX   bankruptcy absolved the mortgage debt for the applicant, any foreclosure or remaining foreclosure pending is an action against the property, not the applicant. The foreclosure action is not considered as an indicator of unacceptable credit in the applicants evaluation. A loan underwritten with the assistance of GUS will not be required to be manually down-graded when the bankruptcy discharge included the mortgage debt. ''
My mortgage company did a loan modification for me. During the 3 month trial period, they reported me as late for all 3 months. ( XX/XX/2016,XX/XX/2016,XX/XX/2016 ). I noticed the discepency XX/XX/2016 and immediately called the company to ask for a credit repair which they assured me they would get started on. This has still not been done- 4 months later. Ive left several messages with my contact and their manager since XX/XX/XXXX and they always promise itll show up on the next month. They now wont call me back at all since XX/XX/XXXX. I was in escrow to buy another house when this all came about and I have since had to back out of the purchase and lost the opportunity. I went to see my lawyer and he suggested I contact CFPB. He was outraged that this company was able to just ignore me and drop their heels they way they have.
I contacted XXXX XXXX and Experian back in XX/XX/2018 in regard to this account reporting in accurate. This account was authorized under another individual name. I explain to XXXX   XXXX  that I was release of all responsiblity with this vehicle by a written agreement with the owner and should not be liable since I contacted their company in regard to this matter before hand. The dealership was aware I asked to be removed prior to the final signing from all responisbility of this vehicle. Because of the high interest and fortune to pay back terms. XXXX XXXX has fail to provide me all or any documentation to prove the outstanding balance exist and the written agreement that I'm obligated for this loan. I'm requesting this account be removed from my credit report immediately and this company be investigated into their lending practices.
I paid off my capital one credit card XXXX and it has been inactive since, I have charged {$0.00} to the card since payoff. The company assessed an annual membership fee of {$39.00} and I was charged +200 % in fees with negative credit reporting threats.
On XXXX XXXX,2017 when I called synchrony bank to make my payment I was advised that my deferred interest was now all going to be applied to my account at once {$1900.00} for my 18 month promotion was expired, coustmer service rep said I can extend the {$1900.00} for 30 days and that was all she could do at the time, so I explained that at the time of financing this product I had no idea that the interest was deferred and added in full for 18 months from my understanding I was told by sales people that after 18 months you start paying interest not all interest was added after 18 months, the contract was electronic on the computer and I believe it was just very misleading by the sales person and the way the contract is worded I explained to the coustmer service rep if I would have know that the interest was going to be added after the 18 I would have laid it in full, cause how wants to pay more interest then what they owe after 18 months.