WillisBack/dataset-financial-user-claim huggingface dataset:
Every now and then when I make a payment to my student loan account with UNISA, the payment never reflects as being posted to the account. 
I have to contact them and let them know that a payment has been made and that my balance has not been affected. At first I was told that this was an issue with the new site. 
Although this has happened several times in the past. When I e-mail them to see what my balance is they tell me it is a balance that does not match up with what the site reads. 

Sometimes the payment that I have made will show up on the site, it just wo n't affect my balance until I reach out to them. 
Sometimes the payment does n't ever show up on the site until I have to e-mail them to follow up. Every time I reach out to them they swear up and down that everything looks good on their end. 
But the information that they have never matches the site. Something is definitely going on over there. Either someone is manually entering everything on this site or these people are trying to steal from XXXX students that do n't pay attention to their finances. 

Please Help
I have disputed the student loan account with Experian for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX
XXXX XXXX XXXX - I attempted to go onto the XXXX website to obtain my annual review credit reports from XXXX and Equifax. I was able to obtain the online version of the credit report from XXXX with no problem. 
However, when I attempted to get my report from Equifax, it gave me a page that said that " Online Delivery Available - We are not able to deliver your free Equifax Annual Credit Report online ''. There was no reason provided, such as not entering information correctly, etc. Instead, they want me to send them by mail, a copy of my social security card, a paystub with full social security number, or my W2 with a full social security number. I am also to provide a copy of my driver license, or several other forms of identification - EVERYTHIING needed for someone to completely steal my identity. I 'll be damned if I am going to stick this information in the mail where anyone can steal it. Instead of helping prevent identity theft, Equifax appears to be helping it along and doing everything they can to promote identity theft.
To my surprise, After reviewing my credit report through XXXX XXXX, I discovered that DIVERSIFIED CONSULTANTS had added Derogatory marks onto my XXXX XXXX credit report. I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately! I have also asked these collections agencies : CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for XXXX XXXX XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. and all I 've received was their letter stating that I owe these debts and some copy of an application and a lease.
This letter is in response to your recent claim regarding account #, XXXX which you claim that I owe MIDLAND FUNDING LLC, {$2200.00}. This is a formal notice that your claim is again disputed. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Please note that I never received " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you ; MIDLAND FUNDING LLC. My reason for disputing is : I do not nor have I have entered into a contract with MIDLAND FUNDING LLC nor have I ever signed any documents stating I would pay MIDLAND FUNDING LLC. 

This is NOT a request for " verification '' or statements for the original company, or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above-named Title and Section. 

I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you, Midland Funding. 

Please provide me with the following : What the money you say I owe is for. 
Explain and show me how you calculated what you say I owe, MIDLAND FUNDING LLC. 
Provide me with copies of any papers that show I agreed to pay you ; Midland Funding LLC, what you say I owe. 
Identify the original creditor with name and address. 
Prove the Statute of Limitations has not expired on this account. 
Provide me with validation that MIDLAND FUNDING LLC is bonded to legally conduct debt collection in the State of Texas and provide me with the name of your bonding company and your license numbers. 

Now, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character STOP THE HARRASSING PHONE CALLS! I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. Do not call my relatives or my friends. If your offices attempt telephone communication with me, including but not limited to computer generated calls, or calls to third parties, it will be considered harassment and I will have no choice but to file a counter suit. 

All future communications with me MUST be done in writing and sent to the address noted in this letter through the USPS. 

It would be advisable that you and your client assure that your records are in order. This is an attempt to correct your records. Any information obtained may be used for that purpose. 

Regards, XXXX XXXX cc Federal Trade Commission CC Better Business Bureau
I 've been waiting since XXXX XXXX for the state of XXXX to investigate a tax lien against me. The lien was for unpaid state income taxes in XXXX, which was not valid as a I was a XXXX resident. Finally, the state 's taxpayer advocacy office provided me with the attached letter saying I did not owe the state and that the lien should be rescinded. I 've disputed the lien on my credit report for all XXXX bureaus, providing the letter from the state as proof, but the bureaus will not remove the item. I am seeking to have the lien completely removed. I 'm hoping this can be done soon, as I need to help my mom buy a car.
I have been unable to pull my Equifax file either from commercial sites or XXXX 
I have also been denied credit due to the inability to pull my Equifax file to my detriment. 
I can not dispute my file online with Equifax because they have incorrect information on me and I can not begin until they correct it which they have not. 
I have spent many hours on the phone with Equifax , and have mailed the requested identity verification documents to Equifax without success. 
Please check carefully there is NO SPLIT FILE, and my date of birth and address is correct.
While making dinner on XXXX XXXX 2016, I received a call from BOA reguarding a credit card in my husbands name that we owe on. However when I told the young man that I did not have a job and that my husband was XXXX currently, he kept trying to get me to make a payment after no avail of trying to be able to call back when i found a job and could make a payment I decided to hang up. Then this young man called me back after I hung up on him. First call was at XXXX and lasted around 8.5 mins. The young man called me back again at XXXX, I had raw meat on my hands at this time and could not answer so it ended up going to Voice Mail, where the young man did not leave a message.
We have a home loan with Roundpoint Mortgage. In XXXX we sent {$270000.00} with a request to recast our loan. We were eventually referred to a XXXX XXXX who told us to send our recorded Deed of Trust, we sent it several times. He stated in an email XXXX/XXXX/15 that he received all XXXX pages, then on XXXX/XXXX/15 he stated in an email he did NOT get them, and we sent them again. On XXXX/XXXX/15 he stated in an email he got all pages. We sent several emails asking for a status update. On XXXX/XXXX/15 he stated in an email that the processor will have documents to us by end of XXXX. We sent emails the end of XXXX asking the status as we received nothing from the. On XXXX/XXXX/15 he called our home and stated that they were waiting for us to send the Deed of Trust! He was reminded of all the above information and after arguments he " checked with his processor '' and said we would have documents by XXXX. We asked for that in writing and also to speak with his supervisor XXXX XXXX. XXXX never did return a phone call and neither XXXX nor XXXX have returned multiple requests for a status update. They have had our money since XXXX. All we are asking is to have our loan recast. Their incompetence and lack of response and follow up is frustrating and unnecessary. It is difficult to speak with XXXX and each interaction leaves us frustrated and upset. Please help.
I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section  623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the   information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database  XXXX  search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that is authorized to do so.   Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.   I will expect you to notify me the results of your investigation withi n 5 busin ess days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable.   The items that appear on my credit report as :  1.    XXXX   XXXX   ACC BAL {$450.00} This account is a HIPPA violation please delete.   2. XXXX   XXXX   XXXX   XXXX   XXXX  Never done business with company error please delete.   3. XXXX   XXXX  ACC BL {$430.00} This account is a error please delete.   4.  XXXX  ACC BAL {$330.00} This account is error never done business with this company please delete.   5.   XXXX   XXXX   XXXX   ACC BAL {$330.00} This is a unauthorized access to my credit profile error please delete.    6.  XXXX   XXXX   ACC  BAL {$240.00}, {$270.00} This account has no details never done business with them. I do not recognize this company please delete.
XX/XX/2017 I had pulled my credit I sent dispute letters to This company the original furnisher and as well and the 3 credit  bureaus. They only sent me a bill stating that this debt meets FCRA and is in compliance. I had sent a second round of letters asking why they had pulled my credit without my knowledge as well as. what exactly was this because. this was not consumer debt. 2 other Bureaus deleted it because it was one not mine and secondly because it was not consumer debt. it was a judgment for a tenant with same name as me. My social Doesn't match. and on this web site it shouldn't be there. 


https : //www.experian.com/XXXX
M & T bank inherited my mortgage from XXXX on XXXX the time of the takeover, I had a modification agreement with XXXX to pay {$1600.00} per month.I was led to believe that this agreement continued with M & T and paid timely per month.On XXXX/XXXX/15 M & T sent a letter indicating that they were holding {$13000.00} of unapplied funds for me.This was later followed by another letter on XXXX/XXXX/15 indicating that {$15000.00} was past due.The letter further indicated that they were refusing my XXXX payment of {$1600.00} and stated that they were starting foreclosure proceedings.I have been making unsuccessful attempts ever since to resolve this matter with them.They have refused my payments and my house is schedule for a sheriff sale.
I am a victim of Identity theft, someone earlier had opened a store credit card in my first name and my ex-husbnad 's last name. That name is not my legal name. A dispute was filed, complaints were mad to FTC, the clothing retailer the bank that handles their card. I received a letter in the mail on Thursday XX/XX/XXXX that someone tried to apply for a XXXX XXXX clothing company store credit card in that same name. The bank that handles their store credit card is Capital One. Of course, by security freezes and fraud alerts have been placed with the credit repoting agencies. So capital one has denied the application. I would like Capital One and XXXX XXXX to furnish me with information pertaining to the person who applied for this credit card in my first name and my ex-husband 's last name. The credit agency that handled this inquiry was XXXX.
On or about XX/XX/XXXX of this year, 2017, I received a Wage Garnishment notice from my employer, by XXXX XXXX XXXX XXXX XXXX XXXX. This was to my surprise, because I was not aware that this old debt still existed, since as I understood, it was a time barred debt that had not been in my credit for many years. 
After acquiring the referenced legal documentation on my own, I reviewed it and found several clear and obvious " flaws '' in the core legal documentation. I noticed the following : JUDGMENT ( VOID ) : 1 ) The Proof of Service ( " POS '' ) for the initial Small Claims document, Plaintiff 's Claim, was NOT served properly, because stated therein : A ) Manner of Service, " Personal Service '', incorrectly states the wrong apartment number ; and B ) Even IF, stated the correct Apt number, it would still be a false and fraudulent statement ( needless to reference all the code/rules violations ), because I had moved out months before the supposed service period. 
Thereof, it is my understanding, that this void judgment would render this wage garnishment without merit, invalid, and VOID. 
In Addition, but at this point, less significant, the following : NOTICE OF RENEWAL OF JUDGMENT : All post renewal of Judgment documentation has been supposedly been served by mail, with these technical issues : A ) Again, reiterating, I have not lived at such documented residence, for way over a decade ( 16 years ) ; B ) Obviously, any remote due diligence attempt to verify the documented address to be my current mailing address were unsuccessful ; and C ) Any direct or indirect claims such as by affidavit, to have complied with required process service Rules/Codes would be clear violations of such pertaining local rules/Rules/Statutes, subject to but not limited to, not receiving any Return Receipts/Acknowledgments.
I 've had Beneficial Finance out of XXXX FL, servicing as my mortgage company for several years, as far back as XXXX. Most recently in the past 2 years the representatives of their company have been standoffish and or short from rude, anytime l or my wife had to personally contact them for assistance concerning our loan, for mostly payment matters. Some of those matters arose shortly after unfortunately having to File for Bankruptcy in XXXX, due to loss of a job. However they were excluded in the bankruptcy papers at our lawyer suggestion. Actually that 's when we first noticed the changes in customer service attitudes anytime we contacted the them. Whether they 've flagged the account or what, it feels like something once they bring up the account something brings on an unenthusiastic voice from their representative, on my end of the phone. Most matters in contacting them concern payments over their website, which is the way l choose to make payments and have from the time it originally came in exexistence. After closing actual stores. l used to go in and make payments actually and was for the most part of why l chose to do business, they were locally or so l thought back then. But over time, from out sourcing customer service overseas and one could barely understand their accents and then long distance at that, not saying they were n't intelligent people because after all they were handling my exchanges of money to the mortgage account. The longer l 've been dealing with this company for years now, l 've come to a parting to refinance through another lender and it 's getting worse, l feel as though these are predatory lending practices. And feel somebody needs to look into their matters if they are n't already, before someone like myself end up with similar situation. Beneficial most recently has moved our account into their bankruptcy division, prohibited me from their website, failed to proceed applying my payment to the account for XXXX, now saying it is short even though it was the same amount as previous paid, no followup letter stating it was short of funds, possibly trying to ruin the ability of me to get another mortgage loan. I do n't know but it is what l feel is going on.
I had XXXX credit card accounts with Chase banks for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported both accounts on my personal income taxes for XX/XX/XXXX and XX/XX/XXXX, and paid accordingly to the IRS. The account has been written off and taxes have been paid on the amount forgiven, Chase bank has been given the tax write off but they are still reporting a full balance for both account on my credit report. It should be reported a XXXX balance as the debt has been cancelled/forgiven, the have already taken the tax write off from the IRS and now they still want me to pay in order to report a XXXX balance to the credit bureaus. This would be double dipping for Chase bank, getting the tax write off and then still collecting the cancelled amount on both accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment.
In XXXX I received a FFEL Consolidated Loan through ACS and paid on that loan until XXXX. From XXXX through the present, I have worked as a public service employee. I was led to believe by ACS that my qualifying payments from XXXX onwards would be eligible for the Public Service Loan Forgiveness Program ( PLSF ). As a result, I believed that I had earned approximately 4 years ( loans were on forbearance at times ) worth of qualifying service towards PSLF. ACS NEVER informed me that my loan needed to be converted into a Direct Consolidated Loan. It wasn't until XXXX, when the government released their forms and clarified the requirements, that I learned that the FFEL consolidated loan that I had been paying on did not qualify. As a result, I applied and received a Direct Consolidation Loan. Like so many of the student loan borrowers, who were mislead about the program, I had to begin all over with repayments. Four years of service disqualified and four years of unnecessary payments all because ACS failed to inform their clients of necessary information!!! This is not fair to all of us past students who relied upon this loan servicer ( as well as others ) and are now having to continue with the burden of paying off our debt much longer than expected.
Gateways finical insttution llc forage me from the debt i.got a letter stating so but they refuse tomake it right along with other creditors on my account ny identy was stolen several times down south b  4 i  moved here 10 years ago and some items still remains from when i moved from down south
Name : XXXX XXXX XXXX XXXX : XXXXSSN : XXXXThis is in regards to a Chase Credit/Bank Account. The last payment on the account was XXXX/XXXX/2009. The account went delinquent and was charged off. XXXX XXXX XXXX, XXXX filed a Civil Suit and won a default judgement of {$1900.00}. During a debtors examination I agreed to pay {$1500.00} in XXXX installments. At this time, I told the lawyer performing the debtors exam that the statute of limitations had expired on the debt and he said, " that is neither here, nor there ... you owe the judgement that was awarded, but I will accept your {$1500.00} and that will be that ''. While on the CFPB website, I discovered that Chase Bank was not supposed to be collecting on my account - or so it seems given the time frame. Not only had the statute of limitations expired, but according to CFPB Consent Order File No. XXXX - Chase was not supposed to be collecting on this at all. Chase will not verify whether or not my account was included in this consent order, the lawyer for XXXX XXXX XXXX, XXXX did not believe me, and my own state 's attorney general 's office just told me to contact CFPB.
Three ( 3 ) returns are in the " back office '' of PayPal for review. Two of the returns have been received by the seller and the other one is in my possession but not true to size. It takes months for the so called " back office '' to review and refund the money back on my PayPal Credit account. Also it takes 2 weeks before PayPal will note a payment that is sent via USPS.

I was advised by a PayPal representative differently. I was told that when the merchant received the merchandise back, the refund would be placed on my account. This is not true.

It takes months for PayPal to refund credits on a PayPal Credit account even though the merchant has received the merchandise back.

PayPal is horrible and takes forever to make refunds and then it takes two weeks for the refund to properly register on the account.
I am filing this complaint because my requests have been ignored by Transunion. As my requests to be provided with documents that their company has on file that was used to authenticate and verify these accounts has been ignored, these accounts should be deleted immediately, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA - " they are required to promptly delete all information which can not be verified with accuracy ''