WillisBack/dataset-financial-user-claim huggingface dataset:
I have recently reached out to Transunion to add a fraud alert on my credit report due to the following reasons Unauthorized Credit Inquiry ( s ) I am XXXX them to inform that the hard inquiries were not authorized by me and I wish to have them deleted. Some person or persons within their consumer reporting agency has knowingly and willfully provided information about me to a third party not authorized to receive such information, all in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C.1681. My information is that the unauthorized recipient of this information is XXXX. 

Since I never gave permission for anyone to inquire about my Credit Status, they are unauthorized. Furthermore, their continued existence on my Credit Report represents inaccurate information, which under the Fair Credit Reporting Act, must be removed. 

XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX  Inquiry Date XXXX/XXXX/XXXX XXXX XXXX XXXX Date XXXX/XXXX/XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX  XXXX Inquiry Date XXXX/XXXX/XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX As I am sure you are aware, Section 1681 ( r ) of the FCRA prohibits such acts and provides for the following sanctions : Any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agency 's files to a person not authorized to receive that information shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both. 

This letter shall further serve as demand that your agency thoroughly investigate this matter and provide me the result of your investigation forthwith. Moreover, I expect your agency to immediately cease all such communications to unauthorized third parties.
I have a fixed rate loan at Navient which I have been paying on for almost 9 years. Going thru my payment history I noticed that each month the interest is different and not by small amounts. {$8.00} one month and the next {$23.00}. Other months {$4.00}, {$6.00} even {$16.00} more than the previous months. There should not be that much difference month to month. Something tells me shady bookkeeping is going on. Have paid {$2100.00} on interest in all these years. Sent a email to Navient on XX/XX/2018 about this issue and also said I would be reporting this to CFPB. 
Thank You for your Help
Got a call stating I owe XX/XX/XXXX from back in XX/XX/XXXX but debt is not listed on my report
I got served papers through certified mail. Im not sure how everything works so i was waiting for my day in court to explain my situation to the judge. then i received this judgement in the mail only 30 days after i learned that i had been turned into collections. I was paying the agreed upon amount monthly to the clinic and they decided to turn me in anyway. Please help with this issue. Thanks
I filed chapter XXXX in XX/XX/XXXX and XXXX XXXX XXXXXXXX ( XXXX ) credit card and line of credit home equity serviced by XXXX was discharged. However the lien was placed on the house. Later XXXX sold the lien to XXXX XXXX ( the current lien holder ). 

The XXXX XXXX XXXX XXXX ( MCM ) sent out collection notice on the behalf of XXXX XXXX XXXX during XX/XX/XXXX. On XX/XX/XXXX, I contacted MCM and spoke with XXXX XXXX at XXXX ext XXXX. XXXX XXXX told me the settlement of {$5800.00} if I pay now will result in removal of lien. On XX/XX/XXXX I paid the agreed amount with understanding that the lien will be removed. 

On XX/XX/XXXX I contacted MCM the status of lien removal from the property and the consumer support at ext XXXX told me of my payment was for the discharged credit card in bankruptcy and has nothing to do with the property lien. MCM representative lied to collect on already discharged debt in XX/XX/XXXX.
For at least 10 years I have been hounded about money owed on a Lowes account. I never opened a Loews account and if I did. I never charged anything to it. 10 years or so ago, I paid a bill collector anyway who said this was related to a XXXX charge. The collector promised that I was paid in full. However, I received another collection notice today. I periodically get phone calls.I have called numerous times and can not get this resolved.
my mortgage servicer is lender live. i refinanced last year in XXXX. at the time of closing i paid down 3 month of escrow for my taxes and also prepaid interest XXXX. right now my loan servicer is raising my payment by {$110.00} because they claim that i need to have additional 2 month cushion for my escrow. initially when they took over my mortgage they were asking me to pay the insurance which numerous times i rejected it because i want to deal with my insurance myself and now escrow for my taxes. servicer will not return phone calls or respond to messages. last conversation i had with them they told we will raise your payment and we will do it at any given time when there is a change in your taxes. my taxes are {$690.00} a month and based on projection for 2016 it will come up to {$690.00}. why should i pay {$110.00} every month more. i refinanced to lower my payment and this servicer is telling me flat out you will pay more. i can not afford to refinance again to lower my payment and get into another servicer who will do the same
i called in to discuss my options because of the amount of money i make because of the fact i am a family of XXXX with a XXXX husband and i bring home XXXX after insurance and taxes before it was XXXX a year and they kept offering me a forbance and they never offered me the income driven repayment i seen online tried to link my tax return and it would not work and so they said that would send me the paperwork and when i got it there was consodating paperwork which i called come to find out there was some that was was not added when the other rep did the last time it was consodated which the main reason these call were happening was i got a loan forgiveness i was not even getting any bill or anything else telling i was even late which meant my credit was getting report but i was getting anything so until i called i dont feel they were doing their jobs and now i have probably have had about XXXX more added to my total since my last forbearance was started XXXX Florida XXXX FLorida XXXX
I was repeatedly mailed promotions to open a Citi Gold Checking Acct and receive XXXX XXXX XXXX Miles. On XXXX XXXX, 2015 I open the account using promo XXXX. 
I was required to spend {$1000.00} in 60 days using there debit card and XXXX qualifying bill payments for XXXX consecutive months. ( All of which I did!! ). The fine print also says " the miles will be posted within 90 days of the end of the statement period in which you complete all offer requirements. '' It has been well over 90 days and I still have not received the miles. I have called Citi numerous times and have numerous investigations to clear this up, but I still have not even received XXXX correspondence from citi. In the mean time I am being charged $ XXXX/month checking account fee. I have XXXX all documentation including the original mail offer with my name on it. 
I have done all the required actions I was asked to do to qualify yet Citi still will not grant me the miles. I want Citi to credit the miles to my AA acct.
I reached out to TransUnion today about the following accounts and they would not take care of me. 
XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX XXXX via XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX via XXXX XXXX, CA XXXX ( XXXX ) XXXX
I have notified Experian as well as the other two agencies and the only one not complying is Experian. I took it upon myself and sent them proof as well as the creditor this DOES NOT BELONG TO ME and after working on this issue for the past 3 months this inaccurate remark for a whole lot of money is still listed on my personal credit file prohibiting me from making a financial move I need. What else do I need to do. CFPB please help me. I have proof I requested along with the creditor, and have Experian response stating they investigated which is false as they did not. 

The remark is XXXX XXXX XXXX REMOVE
I received a call on XXXX at 6:40 am I advised them it was before 8 am the caller got rude and hung up on me. They called again today at 7:30 I asked when the payday loan took place and also advised they were breaking the fcc rules. he would not tell me the name of the company and hung up on me. I called back and spoke to XXXX. I asked the name of the company he said it very quickly. I asked him to repeat it and he said I already told you and wanted to know the purpose of my call. He then proceeded to hang up on me.
This is my third report towards XXXX. When my account was first opened in XXXX, 2016, I was uninformed that the card was a pay in full at the end of each month. This unintentional error caused my account to be closed. I immediately attempted to resolve the debt and made a payment arrangement. When the payment arrangement was handled, I called back to update the arrangement and pay a payment sooner. After this payment was made, another unauthorized payment was made. This unauthorized payment resulted in 8 months of headache and anxiety as I attempted to collect my money back. I made 2 CFPB complaints. The first was resolved stating that XXXX refunded my money. They never did even though I was told on three separate occasions via telephone that a check was being sent. The second CFPB complaint finally resolved the issue. I was issued a refund check 7 months after the initial unauthorized payment. I paid my account in full and now I need to have my credit report fixed to show that no late payments were made, as XXXX refused to help during the time they held my money without authorization.
I filed against Bank of America refused refund {$900.00} for unfair and deceptive overdraft practices. In addition, I do not satisfy with Monthly service fee {$.00} with unfit Oregon resident records. I do not interest in Bank of America within XXXX resident telling to U.S. Senators!
I have tried to resolve this from XX/XX/17 to the present. XXXX XXXX XXXX said they would pay my final months lease payment because I turned the car in one month early.They checked the car in and there was no damage. I leased a new car from them and 3 months later I get a bill for XXXX from a collection agent. I then started calling Hyundai Motor Finance and the dealership. I have emailed, and sent documentation proving that I am accurate and honest about the sequence of events. After 5 months of fighting with XXXX XXXX XXXX  they gave me XXXX. The entire time I was speaking with Hyundai Motor Finance. I then called them, and put in writing that I would pay the bill, but I wanted this off my credit report. They refuse to correct my credit report. The dealership that represents HMF lied and did not do what they said they were going to do and they damaged my credit. I have 30+ pages of documentation and numerous requests to have HMF remove this from my credit. HMF refuses to acknowlege that they are wrong. HMF has ZERO customer service, and they refuse to accept responsibility for their dealership that represents XXXX. All they want to do is trash my credit.
I am a XXXX veteran who contracted XXXX while in Florida. VA card was presented at time of XXXX visit. This bill should have been sent to the Veterans Administration for payment
Suntrust Bank, located at XXXX XXXX XXXX, XXXX, FL XXXX has at least 1 bad seed amongst them. We always did business with branch near our home, but on this day, we needed to handle a large some transfer while working. So we decided to go to the XXXX location. Only the teller & the manager would know that this large sum of money would be hitting our savings account & when it would clear, along with having my husband 's Driver 's License with signature & the knowledge that there was a large sum. Most people do not have that amount. We usually don't either, but we just sold a house & just transferred the money to our account. 

Right after the money was cleared to our savings, {$65000.00} was transferred on XX/XX/XXXX from our savings to our checking. Then at the same time, {$9400.00} was taken in cash from the fake ID that was made, just under the {$10000.00} radar. Right after that, the man had a cashiers check made out from the same account for {$56000.00}. All transactions were done in person with a teller in another state. 

Suntrust flagged it immediately, but never notified us of any suspicious activity. Two days later we noticed {$65000.00} missing from our account. The cashiers check had a stop put on it immediately, but never were we contacted of a security breech. Also, Suntrust has not put the {$56000.00} back in my account as ofXX/XX/XXXX even though they have a stop payment on it. 

One bad seed has destroyed our trust & security after 40 years of banking & loans. We have no other choice, but to go to another bank because all of the personal information that was sold off. That person still has access to our accounts & all of our personal information. Plus we noticed, that when they set up the new accounts they didn't take our pictures to have some verification, like many other banks do. We are not saying this couldn't happen at any other bank, but at the moment we are not safe at Suntrust.
I have recently received e-mails regarding the change in repayment plan that was set to expire at the end of next month. Navient had mentioned that I call them if I would have difficulty making the payment. My current budget had allowed for the repayment plan that I was currently on but the new repayment plan I was required to take on is outside of my budget and does not work for my financial situation. I called Navient today and spoke with XXXX ( XXXX ) and explained my financial situation and asked for estimates on proposed payment plans - he explained that due to my income level I did not qualify for any alternative repayment plan. I asked him how the repayment qualification process worked and whether consumers were aware of how and at what income levels we qualify for repayment plans. He told me that he did not have that information and that it was not available to consumers. I felt that this policy is very opaque and does not offer consumer 's the full understanding of why they have to pay specific repayment plans. Given all of the income and financial obligations that I have I would like to know how and why Navient builds their repayment plans ( what percentage over time and whether they can extend the life of the loan and whether there are actual repayment options ). I have been faithfully paying my loan since 2010 and do n't appreciate that arbitrary and non-transparent nature of my service provider. I 'm willing to make payments but do n't understand why my provider can not find common ground with me to make payments and work with my budget.
Macy 's is charging me interest on a bill that was paid. They keep adding late charges and they are effecting my credit rating.
This collection was settled with the company by return of the equipment. Another collection agency removed the debt. This company did not give me the 30 day notice to dispute debt.
I have a debt I can not currently pay. In order to stop their continuous calls I sent a certified cease and desist letter in accordance with the law that was received on XXXX XXXX, 2015 at XXXX per the post office ( electronic receipt ). A day later and on they are still calling me repeatedly.
a verbal loan modification trial payment plan was offered on XXXX XXXX per verbal instructions of the offer made XXXX payments to Ocwen XXXX XXXX XXXX XXXX Today ocwen advised that they offer was denied back sometime in XXXX because we never received and agreement that we were required to signed, " the trial offer letter ''. Despite the fact that their system showed " active trial plan '' they have collected XXXX and now they are saying that there is no modification offer because we fail to performed under the " trial plan agreement '' due to the document that was received on our end drink the month of XXXX. Now, they will keep the monies under " false pretenses '' they have cheated me and did not delivered as they have promised. I was told that the XXXX payment will activate the offer. I paid my debt under the verbal instructions that were given to me on XXXX. Now, my loan is past due and i am facing foreclosure action against me. All calls and representatives are located and XXXX and can not offer further help. I have requested my call to be transferred to XXXX and they have declined 3 times I made this request and they have continued to state and represent that they are a " XXXX ''. The debt is originated in this country not in XXXX. The representative continue to represent as a global mortgage service agency. Representative stated '' we are not equipped to transfer calls to representatives in XXXX '' Please help, actions were taken and payments were made on time no representative informed that they have sent a letter or that a letter needed to be signed in order for the offer to be deemed effective however they collected payments by electronic check and reassured that the trial plan was effective and eventually a final agreement will be sent to us upon completion of payments.
All State Credit Bureau ran my XXXX  credit report twice in XXXX without my permission. I have emphatically disputed the alleged debt and they have no grounds to pursue me for any money owed.
I co-signed on a loan for my spouse as she completed her XXXX XXXX degree. She graduated and 4 months later enrolled in her XXXX degree program ( XXXX ) which she is currently enrolled XXXX. The XXXX loan issuer ( Firstmark/Nelnet ) has demanded repayment of the loans while she is enrolled in her XXXX XXXX program despite their website stating that full time enrollment qualifies for deferment. They are threatening collections, credit bureau reporting, and other scary actions. We have attempted to work with them and provided documentation of her full time XXXX program but they have rejected this. We are unsure what to do and have nowhere to turn for help.
I have a Parent PLUS Loans with XXXX DEPARTMENT OF EDUCATION XXXX XXXX ) that is being serviced by Great Lakes Borrower Services. In XX/XX/XXXX I filed for XXXX XXXX Bankruptcy in XXXX Florida after my divorce. The terms of the bankruptcy were to repay all debt at 100 % of principal. Great Lakes filed a claim with the court {$17000.00}. The loan principal however was {$14000.00}. The bankruptcy court assumed that the amount the company claimed was the amount I owed to pay off the debt. As a result, Great Lakes was paid {$3400.00} more than what they should have been paid under the terms of the bankruptcy. My bankruptcy ended this past summer and all debts were fully XXXX by the courts in XX/XX/XXXX. Now Great Lakes is saying I still owe them {$2100.00} for interest on a loan that was paid off in bankruptcy and paid more than the terms of my bankruptcy agreement with the court. I contacted Great Lakes and they said student loans can not be XXXX in bankruptcy BUT this is a parent direct loan, they filed a claim with the courts and were paid more than what they should have been paid under the terms of the bankruptcy. I have contact my bankruptcy attorney and they are trying to understand what Great Lakes did before they can do anything. What Great Lakes is doing is trying to collect on debt that was XXXX by the courts and it is called XXXX
I have raised this point internal at a branch level, and the " Customer Service '' of Wells Fargo Mortgage. 




The lack of speed in answering this complaint, the lack of interest to serve the customer, the lack of resolve. In the last issue was very valid. XXXX XXXX of Wells Fargo, after taking with my Husband, admitted on the phone that there was a lot of calls at the time period, and admitted there was some kind of agreement made at the time. 


In response to the complaint XXXX XXXX of wells Fargo responded, " I couldn't find the exact call so wells Fargowo n't change the record ''. The reality is, there was an agreement, and wells Fargo know this to be true but wont change the credit record because of a technicality, they cant find the exact call. XXXX XXXX did communicate the representative that did make the " arrangement is no longer with Wells Fargo ''. I was XXXX XXXX in hospital having XXXX, Wells Fargo knows this too, and i can provide hospital records too. The reality is I was In Hospital Wells Fargo Knows this, the reality is an Argument was made, and the person the agreement was made with no longer works for Wells Fargo. I am a good mortgage customer, with regular payments no late payments in two years. 




The consumer Financial Protection Website exists as a public recourse for consumers to read and see " customer service '' of institutions like wells fargo and how wells fargo responds to their customers. 




I file this complaint requesting the paid late being reported on my mortgage from a time I was in hospital was IN FACT paid " as agreed ''. Because there was an agreement in place to bring the account up to date by certain date. I made the agreement, wells Fargo AGREED to report " pays as Agreed ''. I kept the agreement, brought my account up to date ... But wells Fargo have displayed no HONOR and failed to honor the agreement. Wells Fargo reported on my credit 'late ''. My account is up to date, and has been up to date, for over two years now. Failure to report 'paid as Agreed '' when an agreement was in place serves as an ETHICAL representation of the service at wells fargo.

I give full consent for CFPB to publish this complaint, and I await Wells Fargos " customer service '' response.
first national collection bureau sent me a letter on behalf of XXXX XXXX XXXX original creditor is XXXX XXXX ending in XXXX ref number XXXX total due is XXXX. this is not my account nor did I ropen this account ever in my lifetime,. It is n't on my credit report nor has it ever been listed in my credit report ever. they can be reached at XXXX XXXX XXXX. they do n't want to heart me all the want is my XXXX XXXX XXXX XXXX XXXX XXXX money. XXXX them I do n't owe them. They have a very poor rating as a scam company after researching on XXXX. this is the 4th letter I have received from them in four years .. I would like it if you can help me purge myself of these insidious predators. working in a bolier room to steal mine and others money.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX has that I owe them {$1500.00}. However the orginal creditor has that I owe them a complete different amout. Im confused, this debt is in question to me. Should all amounts be listed as the same or is XXXX XXXX  ingaging in some illegal collection tactics? Please explain such to difference to me so I can fully understand. 
Thanks in advance
I spoke with an agent fro m Navient student loan service  about my account   XXXX  -2017.The   agent stated that I sent back my income repayment forms on   XXXX -2017.I h ave not sent anything to Navient during  XXXX   2017.Navient  has gone as far as to fraudulently sign my name on documents which is a federal felony.The agent told me I sent documents back which I never received or sent.navient should not be allowed to collect student loans because of fraudulent activity.Navient is also not approving applicants for income based repayment plans.Everyone I have talked to has been denied no matter the  situation.Navient i s also not offer income based repayment plans to struggling single mothers and these practices and unfair discriminatory.Navient should be shut down immediately due to fraud.