WillisBack/dataset-financial-user-claim huggingface dataset:
To Whom It May Concern : I have attempted multiple times with the credit bureaus to correct the spelling of my name and my address but unsuccessfully so.They have also been actively adding an old addresses that I am NO LONGER associated with especially XXXX. All my Old Addresses are on my report as Current, that should NOT be.I ca n't update my address on XXXX XXXX because XXXX, I get a message that says XXXX has my address as the such. My job is reported without my knowledge as well. Please remove it. I do not want any reporting of my place of work current or previous to on my accts. Please remove them. 

I now asking for the CFPB to assist me with getting this taken care of once and for all. 

My Legal name and how I address and sign myself & name on all Legal documents are as such. 

XXXX XXXX XXXX XXXX has my name spelled incorrectly ( XXXX XXXX XXXX XXXX and it does n't matter how many times I call and give the correct information it, I am told that it will be updated but it NEVER happens. 

My Current Address and the ONLY one that should be on my Credit Report as as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please I am asking you to help me get this corrected.
I have been on XXXX since XX/XX/XXXX. All of my private loans from Navient have gone through a XXXX discharge during that phase. XX/XX/XXXX, Navient had reduced only XXXX of XXXX loans with the exception of loans ( 1 ) XX/XX/XXXX College XXXX and ( 2 ) XXXX College XXXX. Loan ( 3 ) XXXX College XXXX was reduced as I am able to make that payment while I am on Social Security XXXX Income. I explained to XXXX 's Customer Advocates Office that I still can not make a reasonable payment towards the loans. I was denied by XXXX 's Customer Advocates Office since I have a co-signer on loans ( 1 ) XX/XX/XXXX College XXXX and ( 2 ) XXXX College XXXX they will not reduce my loans. Also, Navient has harassed the co-signer and has tried to have all co-signed loans in their name instead of working with me so I can afford to pay on the loans. Since being unable to make a manageable payment my total payment due is {$810.00}. My monthly payment normally is {$280.00} with a past due amount of {$520.00}. My total monthly income is {$1700.00}.
Portfolio Recovery calls from various numbers throughout the country every day. They never leave a message and when I do pick up they hang up. I filed bankruptcy a few years ago and now I dont owe any debt or have any current debt, so I dont know why they are calling me
I spoke already with the storage company and we had come to a negotiation for balance payment. Went to location several times to pay the debt of {$100.00} but location manager was out for vacation so could not make payment. Collection agency went ahead and apply charges of {$400.00} which affected my credit score.
My home was damaged by a hail loss on XX/XX/2018. XXXX insurance promptly handled damage appraisal and issued a check for the amount of {$19000.00}. The check was endorsed by my wife and I, and The Money Source ( TMS - the Mortgage Company involved ) co-endorsed and released the check to XXXX XXXX XXXX XXXX ( the contractor installing the new roof and guttering, and completing the other repairs required ). There were additional repairs and costs that required a supplemental claim settlement and on XX/XX/18 XXXX issued the final check in the amount of {$2300.00}. My wife and I endorsed the check and forwarded it to TMS as we had before. 

It was at this point I started receiving notices form a company calling themselves " XXXX '' requesting additional documentation. I tried to log into their website on several computers utilizing both XXXX  XXXX and XXXX  XXXX utilizing XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. Both operating systems and all browsers returned the same message - " Hmmm, we are having trouble finding that site '' or " Server not found ''. When I called TMS Insurance department - on several occasions - they requested one document after another, saying that XXXX was handling the check but their records showed that ( and each time it was a separate document ) was incomplete, signed in the wrong place, or some other excuse. 

I can't just pay XXXX, I wouldn't be reimbursed because the XXXX issued check was made out to me, the wife, TMS, and XXXX XXXX. The contractor wants their money, and this will end up in collections soon. if not resolved.
When I purchased my home in 2006 I believe that I had obtained a rate whose rate was only fixed for 5 years and would adjust afterwards. When the 5 year mark arrived the rate did n't adjust. I contacted Wells Fargo and they insisted the loan was with a fixed rate and the rate would not be changed. I tried to refinance the mortgage and despite many attempts they have refused to refinance my mortgage under any circumstances. 
I reached out for assistance from Wells Fargo and despite the fact that I sent the same information repeatedly they insisted I had not furnished them all the information required. They also kept moving my case to other people. It seemed that they on purpose would request the same information over and over just to discourage you from asking for assistance. 
I have been current with my payments and I am locked in a mortgage at close 7 % which is far higher than the market and ca n't get the bank to refinance me. I think the mortgage when I first signed for it was misrepresented to me and I believe that in order to correct that misrepresentation some accommodation should be reached.
I deposited a check for {$16.00} from reputed company. My balance at the time with discover bank was {$3600.00} +. The check was returned due to funds availability. My bank froze my account without informing me. I found that account was blocked, called customer service, directed to different number. Called the different number and they unblocked the account. I was told Bill Pay check supposed to be out on XX/XX/XXXX ( Electricity Payment ) was not sent out. I could not verify as my Bill Payment rights were blocked again. I went and paid through my other bank account but found Discover sent the check through bill pay but did not honor it though I had more than sufficient amount in the account. Now, I am hit with NSF fees by my electricity provider.
On XX/XX/XXXX I submitted a complaint stating my credit reports were in accurate. 
Wells Fargo had reported a first major delinquency on XX/XX/XXXX on my home mortgage to all four credit bureaus. Wells Fargo investigated and said there was no delinquency reported. I received a copy of all four credit  bureau investigations. Three of them had the errors corrected. XXXX  did not. XXXX  is still reporting a first major delinquency on XX/XX/XXXX. On XX/XX/XXXX I spoke with Wells Fargo explaining that XXXX  stills shoes the first major delinquency on XX/XX/XXXX. Wells Fargo again said they never reported it delinquent. XXXX says it can not change it because Wells Fargo denies reporting the major delinquency. I have attached the XXXX  Credit Report that was sent to me. The error I am disputing ins on the bottom of page 12.
Every month my wife and I each get XXXX harassing phone calls from Nationstar Mortgage. We are current on the mortgage, but every month calls start at the XXXX and escalate in frequency until we pay at the XXXX. I have told them that I get paid on the XXXX and they should stop calling. They said that was n't possible. 
The calls stop as soon as we pay. The due date is the XXXX of the month but there is n't a late fee until the XXXX.
I made a deposit into a US Bank branch in XXXX, WI for a rental agreement regarding and apt in XXXX my. We are out XXXX! When we arrived at the rental home we quickly learned it was a scam. I called USBank fraud department and they said they could not flag the Account or do anything because I was not on the account. I have filed a police report and so far have heard nothing from the police or USBank. Meanwhile I was homeless and no one is looking into this account. Someone had to open it. Cant it be researched? Is it flagged? Are more people being scammed? I have copies of the rental agreement and deposit,
I have sent multiple credit disputes to XXXX XXXX, XXXX, and XXXX  regarding my credit report. I was a victim of identity theft in 2012 when my License and my social was stolen. I have 5 inaccurate debts on my credit that I have never heard of or signed for. XXXX XXXX ( says charged off as bad debt ) Conns ( has two separate accounts one says closed one says charged off ) XXXX XXXX ( charged off ) XXXX XXXX XXXX XXXX ( someone stole the car ) And XXXX XXXX
I am furious. I have been dealing with this credit situation since XX/XX/2018. They have name variations and addresses that I have never lived. I asked them all to send me an updated report with ALL addresses and names and jobs that I never worked to be removed from report. I included several accounts that needed to be removed as well. 

I disputed these accounts again in XX/XX/XXXX and this time included a driver 's license and my utility bill. Transunion sent my results to an old address luckily I had my mail forwarded. All accounts I requested were removed, but when I look at XXXX XXXX the information is still there. 

XXXX never gave me any results from my XX/XX/XXXX investigation, and XX/XX/XXXX, XXXX sent me a letter asking me to send them over a driver 's license and utility bill, which I did already and they were asking for another investigation. 

My daughter tragically passed away last year and I need fresh start so I'm now purchasing a home, and the distress these companies are putting me is not fair. I don't know why I have to ask so many times for my information to be accurate on my report! When I call them I'm transferred overseas and they aren't sympathetic to my situation.
recently learned that my identity was stolen and still trying to resolve the many problems that pop up daily due that. 
i filed a FTC Identity Theft Victims ' Complaint and Affidavit no. XXXX, then filed police report with XXXX police department report no. XXXX, in addition i filed US Postal inspector mail theft report and faxed and mailed through certify mail to all the fraudulent creditors and the XXXX reporting agencies ( sent police report, completed Ftc affidavit, copy of driver license and social security along with letter requesting all the records and requesting the credit reporting agencies to block the fraudulent accounts removed and blocked in pursuant of section 605B of the fair credit reporting act. 

XXXX and XXXX both respond in timely manner. 

Equifax refused to do so and attached their response as follows " XXXX We have reviewed your concerns and our conclusions are : Please be advised that Equifax , at this time will not block the information subject to the submitted identity theft and /orpolice report you provided as part of your dispute. We are contacting each creditor directly to verify the account /s onyour behalf. We will also forward a copy of documents you have provided to each creditor for their review. " please help me solve this issue its costing me time and money that i do n't have. 

thank you
I got a bill from HCFS Healthcare Financial Services LLC, XXXX BILLING CENTER, XXXX , XXXX, OH XXXX The bill amount is {$38.00}. 
It says that the bill is for services provided to me at XXXX. It does n't say when what kind of services. The bill does n't show which location exactly the services was provided to me, it does n't mention any city name and neither does it spell right the name of the hospital correctly. It does n't say the date that service was provided to me. 
The bill looks fake because I always get bill directly to my Hospital account. I called billing service of my hospital, the billing services told me that I do n't owe them any bill at all and they always post bill at my hospital account billing summary. They do n't send third party to collect my hospital bill. 
When I verified with my hospital billing department, they told me that they do n't have any business with HCSF Healthcare Financial Services , LLC XXXX BILLING CENTER XXXX XXXX OH XXXX
I am getting phone calls from this company daily. Sometimes I 'm called from different numbers more than once a day. I do not owe any debt. When I asked why they are calling me or what this is regarding they wo n't tell me anything. This is harrassment plain and simple My FICA score is XXXX and I 'm tired of them calling constantly
XXXX XXXX XXXX XXXX violated the CFPB Consent order dated XXXX by claiming an amount greater then the Write off amount in their affidavit dated XXXX. They also make many other misleading claims in their affidavit.
The company collecting agency had an pay to delete agreement prior to the payment which Bank of America had not honored after receiving the payment of {$770.00}.
I went through a mortgage broker after I closed my house I was told Freedom Mortgage was to be my new lender. As part of the closing of the house, my flood insurance was prepaid for XXXX years, home insurance for XXXX year, and property taxes paid for the quarter. This information was enclosed from a letter, fax, and telephone from myself and my insurance provider. They misbilled my escrow for an entire year. I spent dozens of phone calls, emails, ect which is more of an incompetence and customer services issue. So after the required XXXX year period I asked to be removed from escrow and was denied. I just got a letter XXXX weeks before my payment is due that my loan payment increased by over XXXX XXXX to combat an increase in my flood insurance for the year. I immediately called to correct them and it was taken care of. XXXX weeks after my XXXX XXXX payment I was contacted by collections saying I had missed my payment. Of course I check my bank statement and there it is. I call again and start the process all over. My new payment is due, my credit is in ruins, and I have been bounced from deptartment to department without settlement. First off a XXXX XXXX increase in a mortgage payment is criminal and should have raised eyebrows, but now i dont know how to fix it because obviously no one in the company is helping me. I cant make my payments, i cant send more evidence of prepayment. My taxes are unchanged and my homeowners insurance increased by XXXX dollars for the year.
I am a college XXXX. I opened an account at Chase online and deposited checks ( {$300.00} or less ) via mobile banking from kids in my XXXX, whose home accounts are in various cities. The account was suspended by the Fraud department and they are trying to verify with the maker of the check that they were intended to be made out to me. They will not utilize a cell number to make that call and in some cases, the accounts are in the parents ' names and they do not bank with Chase. Chase is surprised that these non-customers are not answering their calls or returning their calls. The checks have cleared their accounts already. WHy would these parents return a call that they may believe is a solicitation from Chase? In the meantime, I have bills to pay and the whole of the account - even my own personal funds, are frozen. I received a written notice today that his account will be closed. I never received notice that availability of the checks was being delayed. I have spent several hours ( and I am not exaggerating ) trying to resolve this. In the meantime, I am unable to get cash. All for a total of XXXX checks that equal less that {$2000.00}.
Have had problems with this company ever since all my loans were transferred over. Originally had some loans with XXXX and some with XXXX. Now all are with fedloan for reasons I am not sure of. 

Requested to pay additional amount. Took two months to finally go through after several phone calls. Now they just lower my monthly required amount so my additional amount to be paid really isnt much or anything additional at all. Then once I am paid ahead by atleast a full month, they take it upon themselves not to take out a payment at all the next month, and report to my credit report that the loan is in a deferment state, dropping my credit score by over 50 points. I called about this and they told me it shouldnt be in deferred and to send them a copy or screenshot of my credit report. I did not send any additional information to them. This month, that remark on my credit report has been removed and my score is now up again. All for no reason of my own. I want a payment to be taken out every month for the same amount with the additional amount I requested added in every month. Since I requested additional payment be taken out, my payments every month have been different and change constantly. Emails that I get say I owe one thing and the website shows another. I never know what is going to be taken out of my account. 
Their website does not show any details of how interest accrues or how my payments are being applied and I have no option to choose how my payments are applied, additional or otherwise. 
I have looked online and I am far from the only one with these same issues. The company seems to be manipulating my payments and amounts to charge maximum interest. To date, I have paid over 50 % interest. I have paid more interest than principal and the interest amounts change significantly each month, sometimes very little and other times nearly the entire amount is interest. Usually interest is half of my payment. I don't understand how 6.8 % turns into half on a monthly basis. Website is designed very poorly so you can't get any relevant information on loans or do anything other than see what they are going to do with you this month. So frustrating and tiring. XXXX Veteran that used the XXXX XXXX and shouldn't even have all these loans to begin with, but I am trying to pay them down and XXXX is my biggest enemy to paying off these loans. They encourage you to put off payments. Thats the easiest option to find on their website. I am over that and just want to get these paid down in a fair manner. They will have no part in it.
Was trying to make payments but they wanted more and I could n't afford it. So they suggested I put it in forbearance. I did n't want to do that so I was paying a little bit each month just to keep it on good standings on my credit. Go to look at my statements and none of my payments or anything have been applied to my account so where is my money. Get a email and they want to raise my payments even more. Your ca n't even tell me where my money has been posting if at all for the last 8 months. I took my bank card off my account so they ca n't take anything else out automatically until I figure out what 's going on with my account. I still do n't understand how I took out a XXXX loan back in XXXX being a single mom and everything and it has somehow gone to XXXX loans. I got XXXX paid off but XXXX more high ones. More than XXXX. This company and XXXX XXXX were robbing people. And refusing to work with them. People ca n't afford XXXX a month and you guys wanted to raise my payments I ca n't afford that but was willing to pay something and was paying it and it has n't even showneed up on my account
As part of the negotiations with Paypal under complaints XXXX, XXXX, and XXXX I talked on the phone with XXXX XXXX XXXX, Operations Counsel of Paypal, and he promised me that my Paypal account " XXXXXXXXXXXX '' will be removed the limitations to oprate and allowed to be used normally. However, as of today, Paypal has not yet respected the pledge by XXXX XXXX XXXX. 
In the meanwhile, there were some email exchanges with some XXXX counterparts ( XXXX XXXX, Case Reference : XXXX ) that only put obstacles and tried to ignore the word by XXXX XXXX XXXX XXXX XXXX
I have experienced what I assume are common problems with TransUnion 's credit-monitoring services. Earlier this year, I attempted to check my credit report by going to XXXX. I must have inadvertently enrolled in ongoing credit-monitoring services from TransUnion. I did not intend to enroll in these services. I assume I mistakenly failed to " uncheck '' a box on an online form. 

I did not receive any benefit from these services. Although I was apparently receiving these " services '' for several months, I only realized that I had enrolled for these services after receiving an email notifying me that something on my credit report had changed. I then noticed charges from TransUnion on my bank statement. I immediately called the TransUnion customer service number posted on TransUnion 's website. Someone answered, and I explained that I wanted to cancel my subscription to these services. The person on the phone asked to put me on hold. She spoke with me a few times over the course of forty minutes to tell me that the computer was having a hard time retrieving my information. Finally, she told me that I had called the wrong number at TransUnion and she was unable to transfer me. She provided me with another number, which I called repeatedly and it only produced a busy single. 

I finally located yet another number on TransUnion 's website. I called and spoke to another customer service person who tried to sell me additional services despite my repeated statements that I was only interested in canceling the services I never intended to purchase. By the end of the call, I believe that the customer service person finally agreed to let me cancel my subscription. TransUnion has not sent me any sort of confirmation, however. 

I realize I should have been more vigilant in reading the fine print and monitoring my bank statement. However, I believe this situation -- inadvertent enrollment in credit-monitoring services and difficulty cancelling them -- is common and contemplated by the credit-reporting companies. Of course, consumers should periodically monitor their credit reports. In part, this is necessary to ensure that the credit-reporting companies themselves have not made an error. Credit-reporting companies should not be permitted to profit from this necessity. I urge the Consumer Financial Protection Bureau to issue rules preventing the credit-reporting companies from bundling any subscription-based services with the free credit report they are obligated to provide under the Fair Credit Reporting Act. Additionally, the CFPB should require these companies ' websites to prominently display the availably of this free annual credit report with an explanation that receipt of this report is not contingent on enrollment for any paid services. Alternatively, XXXX should allow consumers to receive a credit report without directly dealing with the credit-reporting companies. 

Thank you, XXXX