WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2014 I purchased a XXXX XXXX XXXX upon purchase of this car I noticed issues with the transmission with-in approx 30 days immediately called the dealer to advise of issues in -which they were not in-agreement with my findings I continued to have issues with the Transmission and have confirmed that these cars have numerous complaints regarding transmission issues. I voluntarily returned the car immediately because of this issue yet no one has paid any attention to my complaint 's and it effecting my credit now. I have also repeated disputes with the credit reporting agencies to no avail. I'm needing someone to follow up on this complaint as it's affecting me and also causing a lot of stress and financial hardship. If you need to speak to someone regarding this please speak with my wife XXXX XXXX as she's the one who's been trying to resolve these issue 's for me. 

Thank you, XXXX XXXX
I have submitted multiple requests to have this item removed as I did not authorize the original creditor to share my personal information with this company. Per XXXX law it is a violation.
XXXX XXXX continues to report inaccurate information on my credit report with XXXX, XXXX and XXXX without sending in proper documentation as proof that the account is in fact my debt. This is a direct violation of section 609 and 611 of the Fair Credit Reporting Act. The credit bureaus fail to protect me as a consumer and do not follow the proper guidelines in place to verify debts on consumers credit file.
In XXXX XXXX and in XXXX XXXX I spoke with XXXX XXXX about having my student loan t the rate reduction program and I sent all the information needed as asked for me and my co signer. At the end of all my monthly bills including what I was paying for my Navient loan a month I do n't have much remaining to be able to survive. I have also received horrible experience with almost everyone I spoke to and have reported to the BBB. Everyone I speak to gets very loud and nasty and is very rude, including today 's conversation. Back on XXXX/XXXX/XXXX I spoke to XXXX different individuals, XXXX ID # XXXX was the XXXX individual at XXXX told me that my payment was {$200.00}, and then was transferred to XXXX ID # XXXX also told me my payment was {$200.00} from now until XXXX XXXX and we set up monthly withdrawal payments monthly until then. Today at XXXX I called Navient and spoke to XXXX ID # XXXX and I was transferred to the wrong department from someone who had answered the phone. Every time I call I keep getting transferred to the wrong department as per XXXX ID # XXXX the XXXX individual I spoke to and was told that everyone who has helped me told me all the wrong information. My account has not been properly managed and every single time I speak to someone I receive a different answer and I do not think this is a way to do business. My account was switched from XXXX to Navient without any warning and I have had nothing but issues with Navient. I do not know how I will be able to afford the payment that they want me to pay, in which I do not have money left over at the end of the month and I gave spoken wot many different people with a break down. I have not been able to receive a job with what I recieved a XXXX degree in, and if I knew I was n't able to get a job with a XXXX in XXXX XXXX I would have never went on completing the degree as I was told by the school. I have applied to many jobs in the past and I am not currently working with something that has nothing to do with my degree because I can not get a job with my XXXX XXXX Degree, as I have to have a XXXX in order to do anything with my degree and I can not afford to have more student loans attached to me as I can not pay what I have now. I am very disappointed as Navient is suppose to be a professional company instead they are very unorganized and have individuals who speak to people and are very rude. Navient does not help in any other way, as I do understand I do owe the money in which I am trying to pay as well as am trying to be able to live and make a living. The company is only out to hurt people and not help anyone, they are greedy and have so many complaints about them and everything about thing is negative and horrible. They should really be looked into, I would n't be surprised if they are doing things that are illegal that should n't be done.
cosigner with my daughter have asked several times to make a principle reduction on the loan and they keep applying it as paid ahead status ... would like to know why I cant make a principle reduction to reduce my repayment schedule
I took a course with the XXXX XXXX XXXX with monthly installment payments. I didn't complete payment of the course and they sent it to a collection Agency called UCSB Corporation. My account number as reflected on my credit report as XXXX. I settled the account in full for a lesser amount and they told me my credit bureau report would show a XXXX balance. However on my XXXX  credit report, it's still showing I owe a balance to the school for {$170.00}. I contacted the school and they informed me I still have a balance of {$170.00} and I would need to contact the collection agency because I made the agreement with them. This is a gross misrepresenation by the collection and I've repeatably requested a receipt and they claimed they emailed, faxed it, but I've never received it. They also stated they would mail me a receipt, but I've never received anything in the mail. The XXXX XXXX XXXX is at XXXX. If UCSB Corporation didn't have the authority to settle the account in full, then I would've never paid them and negotiated directly with the institution
I had an account with Bank of China New York branch, which was opened by XXXX. On XX/XX/XXXX, according to the confirmation email sent by BOC NY, I requested to have all of my statement sent through email. The bank confirmed the request after that. However, also according to my email record, I never received a single bank statement from BOC NY. On the confirmation, they did not say the statement will become annually, so I believe it still should be monthly statements. Because I switched major of my banking relations to XXXX and credit cards to XXXX XXXX, I didn't use the BOC account very often. And because of the change, it is hard for me to know what is my latest balance without a valid statement. By XX/XX/XXXX ( XXXX Standard Time ), I received an email from the bank which said my online banking account was frozen. I called the bank to figure out what had happened and the bank staff told me my account has been closed due to insufficient balance. I will never forget I still have an account if they are sending me a proper statement every month, just like I didn't forget I had an XXXX pre-paid card because I am receiving notice from XXXX every month. I contacted the bank several times after the closure, but they said they do not know if I had a negative balance and did not respond to my question " when, to where and how did you send my monthly statement. ''
On Friday XXXX XXXX my identity was stolen my bank account information my debit card information my social security number birth certificate was stolen as well. I contacted police made a police report to .I also contacted my bank bank of America on Saturday XXXX XXXX I went in to banking center to close my account as well the bank gave me the money back then they took it back stating it 's not fraud I have a police report to prove it 's fraud which I fax to the bank bank of America is not trying to help me at all I 'm being treated like the criminal instead of the victim since banking with bank of America I have been a victim of fraud on several occasions my information has been stolen in the past from using public library computers please help me I will mail you the police report
On XX/XX/XXXX I sent, via certified mail, a debt validation letter to First Federal Credit Control requesting to validate the alleged debt of {$800.00}. The collection agency received the debt validation letter on XX/XX/XXXX and responded with a bill/statement/ invoice which I received on XX/XX/XXXX. I filed a compliant through the CFPB on XX/XX/XXXX stating that providing a bill and/ or statement is not sufficient documentation of the alleged debt and that it was only a form verification and not validation as requested. In return, the collection stated that " The verification of the debt was done correctly as provided under the FDCPA. '' The bill that was provided by the collection agency on XX/XX/XXXX is inaccurate. The bill provided has my mothers name listed under the patient information section of the bill which is a violation of HIPAA. Also in the insurance information section on the bill my mother is also listed as the primary insured person which is incorrect. My mother has not had medical insurance for almost 2 years and I have not been under my mothers insurance for over 4 years. The collection agency DID NOT verify  or validate the alleged debt correctly or accurately. All documentation provided is inaccurate data and violates HIPAA.
I keep getting phone calls at my job XXXX asking for my husband I logged 6 call at my job in XXXX day. I have notified her that my husband has passed away XXXX of 2015 and I continue to get harassed by there worker named XXXX.
I am a victim of identity theft. I have reached out to Transunion to see if they would clear the inquiries on my credit report due to the fact that my identity was stolen. They were not able to help. Below are the credit inquiries with the dates listed that were placed using my information without permission. 

XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX   XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Here are documents from XXXX XXXX XXXX to go with case # XXXX. They have reported XXXX different things to all XXXX credit agencies and different on my wife 's as well.
TO WHOM IT MAY CONCERN : EQUIFAX continues to violate the Fair Credit Reporting Act willfully by not removing an erroneous Tax Lien showing on my personal credit report. I have written them by US Mail twice and they STILL continuously fail to address the situation. I called them and their call center has no receipt of the letter. I also sent the same letter several times by fax with all my information on it and have given them over 30 days to " receive '' the fax. I have contacted the IRS for their advice and they have informed me the best step is to file a Lawsuit to have this erroneous tax lien removed from my credit report. As the IRS stated, it is now up to Equifax to remove and they further stated that Equifax does have this ongoing problem. 
This is causing substantial harm to my credit report and yet EQUIFAX continues to violate the Fair Credit Reporting Act and will be held liable if this does n't get removed immediately. 

I have also contacted and filed a complaint with the FTC on XXXX/XXXX/2016 and also the ATTY General both here in GEORGIA where Equifax maintains their main corporate offices in the United States. 

They have caused me deliberate financial harm by continuously and willfully not adhering to the Fair Credit Reporting Act. 

Violation 1 : It 's documented over 30 days additional written and faxed in disputes have been ignored and thus should be removed. 

Violation 2 : Willfully and deliberate continuing to cause financial harm. 

I NEED THIS DELETED IMMEDIATELY. EQUIFAX IS NOTORIOUS FOR RESPONDING BY RE-INVESTIGATING AN ITEM WHICH IS UNACCEPTABLE. THEY HAD THEIR TIME TO INVESTIGATE AND IF THEY REPLY BY JUST " REINVESTIGATING THE ITEM BY ELECTRONICALLY DOING AN XXXX ELECTRONIC INVESTIGATION '', AN IMMEDIATE STATE AND FEDERAL LAWSUIT WILL BE FILED. 

Please let this letter serve as final written warning to EQUIFAX if this does not get immediately deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX
I requested a credit report from Transunion, XXXX, and XXXX and they refuse to give me a credit report after I was denied credit.
I have no knowledge of this account and it needs to be removed from my credit report. I have filed a complaint with XXXX  but have not been able to do so with XXXX  as their site is garbage.
Requesting Merchants & Medical Credit Corp. to stop all calls via phone, I have attached the Cease and Desist letter which is also being mailed to them. 
I spoke to a representative today who made me very nervous threatening this debt will ruin my credit. 
I am not sure if I owe this debt therefore I am also requesting more i formation concerning it. 
Particularly the complete accounting and confirmation if Merchants & Medical Credit Corp.actually has the legal right to this alleged debt.
I used Coinbase.com on XX/XX/18 to change {$300.00} USD to Bitcoin for payment to an individual. Coinbase.com had me set up an ACH from my checking account to fund the initial deposit because their service could not use my Debit Card information to that account. Once done, the funds were available to exchange to the digital Bitcoin currency, but I could not use the currency to make the payment I intended to use it for. I contacted their service dept. and they said that the funds needed to clear my account the ACH was drawn upon. Ok, this I could understand. The funds cleared my bank on XX/XX/18. On the XXXX, my Bitcoin was still not available for use as payment, and I followed up with Coinbase.com service dept., they again told me the ACH needed to clear. When I told them that it had already cleared, I was emailed that there was a hold on my account that was abnormally long and that they would need to get back to me. That they could take another 4-5 days to get back to me if not longer. As I wait, the market fluctuations in Bitcoin dwindles the value of my holdings of which I have no control over ... I was charged fees to do the transaction, and now my funds are being held with no explanation other than it needs time to clear. While the amount of the transaction is small comparatively to maybe others ... how many " other '' people is this happening to? Especially when fees are involved. I was trying to use Bitcoin as a faster method of payment, now it has been a week, and I am still unable to use the now reduced funds ( due to market fluctuation ) to the intended recipient.
I was overcharged for a rental and I never swiped my card or signed for the charge, yet my Capital Once credit card is being charged for an extra {$100.00}.
Tax lien that has been released is still showing as unsatisfied on Transunion. Disputed several times with sending a copy of release and it is still misreporting
I have never been to this XXXX or been seen by any of the XXXX in this office - XXXX ' they refuse to present any documentation showing I have ever been to this XXXX office
CAI canceled my default repayment program because of lack of paperwork which I was told by their representative I had turned in all of my paperwork. I set up a payment plan with CAI to get my student loans out of default. During the initial set up the rep told me that they would be sending me paperwork to fill out by XXXX and I would need to complete it and send it back before my 9 payments were complete. I needed to complete that paperwork before my payments were done in order for this process to work. I never received the paperwork but they were taking my payments. I called to let them know I never received any paperwork by XXXX. That rep confirmed it was never sent out and he would have it sent out. Again, I never received the paperwork. I called and the rep again confirmed the paper work was never sent and they would send it. I called again for the 3rd time and spoke with a rep who confirmed it was n't sent again and sent me an email with my paperwork  along with a place to download my files to them. I filled out the paperwork with him over the phone and submitted it. He also said my account had been cancelled because I had n't turned in the paperwork. I had no paperwork to turn in. He said that since I had only missed one month of payments since they cancelled my account and that he would reinstate my account and I would only have 2 payments left. I never received confirmation that they received my paperwork so I called and followed up. The rep I spoke to said that one of my papers was approved and one was denied. She told me word for word what to say on that document, I downloaded it to them while on the phone with her and she confirmed I had handed in all of my paperwork and I was good. I only had 2 payments  left. That last call was in XX/XX/XXXX. My payments were to be done in XX/XX/XXXX. I called in XX/XX/XXXX to follow up as I should have been done. I spoke to 3 reps, one being a supervisor and one a manager. All of them said my account was never reinstated like the previous rep had stated and that no payments were ever taken out after that even thought I had updated payment in XX/XX/XXXX for them to use. I took full responsibility to follow up constantly with this company, did everything they said to do, turned in the paperwork when I finally got it. The manager said my account was cancelled because I never turned in my paperwork. NO ONE WOULD SEND ME PAPERWORK. I had no paperwork to send in. But they graciously took 7 of my 9 payments. Every rep I talked to confirms my paper work was never sent. But somehow it is my fault that the paperwork was never completed. Their only solution was that I need to start all the way over with my 9 payments. I have made full effort to make this transition successful. I was told that I was not speaking to experienced reps and thats why this happened. It was suggested I only speak to tenyear reps to avoid this problem. This mistake was made completely and fully by CAI and they fraudulently canceled my repayment program.
In  2015 ,  XXXX  's  XXXX   XXXX  sent a bill to collecti ons. RentCollect was the company took over the bill. I never received any sort of communication from RentCollect in regards to this. I only found out about it after checking my credit and noticing my score went down due to the collection. The bill they received was for something I do n't owe. Even so, today I contacted them in an attempt to pay that bill. I only offered to pay it because my new apartment complex asked me to address the issue. I called RentCollect multiple times trying to make the payment and only asked for a faxed confirmation to be sent to the apartment complex. They very rudely told me they would not do that and it would have to be mailed.
mortgage loan ; we applied for a mortgage loan and we are told that have to wait until XXXX. we had filed bankruptcy XX/XX/XXXX with a discharge date of XX/XX/XXXX the mortgage that XXXX most recently applied, said the mortgage company did not report until XX/XX/XXXX that is our current dilema from our old mortgage company. i pulled a credit report and it does show on 1 credit company.can we get help to move forward with the correction on our credit report.
I received a phone call at XXXX XXXX XXXX, 2015 from a XXXX XXXX who said she represented Delaware XXXX which is a law firm, supposedly. She said she had a summons for a court appearance but said if I agreed to make payment arrangements she would confer with the other attorneys to stop the summons. My boyfriend stopped me from giving her my banking information, I gave him permission to speak to since he has some training in law. She got very hostile and rude. He hung up with her and told her not to call back in front of me and my mother. She called back about five other times all with the intent to harass me in violation of the fair debt collections act. I finally told her to stop calling and that it was being documented each time she called and she hung on me. I also asked for written verification of the debt and she refused to give it, all she said was she would refer the matter back to the attorneys if I did n't make a payment.
My wife and I filed for and completed our chapter XXXX bankruptcy plan and received our discharge papers. PNC Bank holds our second mortgage and is showing our account as being behind 1 payment behind after completing the plan. After several requests PNC completed the " Notice of Final Cure Payment '' and it shows that our first post petition payment was due on XX/XX/XXXX. My wife have made XX/XX/XXXX payment, XX/XX/XXXX payment and are going to send out XX/XX/XXXX which is due on the XX/XX/XXXX. 

There is no way that we can be behind after completing the plan and the fact that the cure notice confirms this is disgusting that PNC will not rectify it. If there are delinquent monies with our loan, PNC should have addressed them with the bankruptcy court prior to completing the Final Cure Notice. Now that we are no longer under the protection of the courts, they are claiming that we are behind. 

I have made about 15 phone calls and have spoken to many of representatives from PNC, but no one has any authority to make this right. The last person that I spoke with was a XXXX XXXX at XXXX. He explained that PNC 's attorney would reach out to our Bankruptcy attorney to figure things out. My attorney has called them several times but no one will call him back. 
My wife and I can not continue to pay a lawyer for making phone calls and sending out letters because our mortgage company does not have their act together.
I stopped working with XXXX as he was just taking my money from credit card account but nothing being done? On second thought maybe that was a mistake as Wells Fargo will not really be representing??? me if i end up in court. 
I can not go back though, I just want to start paying which i request over and over. XXXX XXXX ( Exec Support Specialist ) who is in the department they told me to contact. ) He was very helpful ( to move my court date to XX/XX/XXXX ) but i guess that did not do anything to get me start paying on my mortgage which i want to start paying on now!!! 
I guess now i go to court on XX/XX/XXXX which will be rough. 
Any suggestions? 
Thank you for your help