WillisBack/dataset-financial-user-claim huggingface dataset:
The credit reporting company is reporting false information on my credit reports. 
Please be advised this is my THIRD WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA 1. XXXX XXXX XXXX. 
2. XXXX XXXX .
I participated in the Student loan rehabilitation program due to my student loan ( s ) being in default. I made the necessary 9 payments successfully and was never late paying. I completed the program which brought my loans out of default and any late payments would be removed. The late payments are still showing on my credit report for all three bureaus. I have disputed multiple time without any success. They refuse to update my payment history and their response is they verified with the one who furnished my loan. I know that to not be correct because XXXX was the one handling my defaulted loan and I have the letter from them informing me that I successfully completed my rehabilitation. The credit bureaus did not investigate this information and they listed a generic statement XXXX and Experian list the name as XXXX/XXXX and XXXX list the name as XXXX/XXXX. This is very frustrating because it is preventing me from obtaining the loan needed to purchase my home.
The bank processed credit card transactions that resulted in overdraft fees, I do not have this service setup and they should not have processed these transactions. They claim they are reoccurring because I used the same companies before but I did not authorize this.
took out student loan through American Education Services in 2007 and began repayment same year. I was XXXX XXXX XXXX when I initiated the loan. The amount I received was {$21000.00}. With the addition of an origination fee, my original balance was {$23000.00}. Over the past 8 years I have paid a total of {$18000.00}, never utilized any of my forbearance, and my current loan balance is {$21000.00}. I can no longer afford the {$230.00} payment and AES advised me that the only option I have is to place my loan in forbearance, as I have 12 months available. I do not want to do that as while the loan is in forbearance I will do nothing but raise the balance back up. I can only afford a {$120.00} payment. I additionally can not let the payment default as having good credit is a requirement from my employer. I have an unemployed wife ( student ), XXXX children, a mortgage, an auto payment as well as usual utilities and living expenses. I simply can not afford the payment and have been struggling for quite some time. The loan was too easy to receive and this is a prime example of predatory lending. I must have the payment dropped to {$120.00}.
I used western union to send an international money transfer. My receiver went to collect funds and was told that this transaction did exist in their system. I contacted western union and the representative asked me to call back at a later time since their system was down. By the way its almost always down. I used a different money transfer company to resend money and my receiver was able to collect the same day. I contacted western union to request a refund and way denied.
I sent money to Coinbase from my bank account which records show was transferred on XX/XX/2018 to purchase digital currency. 
The Company say 's it takes about 3 days after clearance to make digital currency available. After several days my account shows that funds would not be available for 30 days. I contacted Coinbase by email and after a few attempts was told they would investigate the matter. Problem not solved. I was requested to upload for the second time photo identification and drivers license identification which I did successfully as in the first instance. 
After a couple of days my account shows that the funds would not be available for 70 days. Up until now as you will see by the email exchange that no explanation was given as to why this has happened. 
After several more email exchanges with no explanation of when my funds would be made available I sent an email requesting that my account be closed and my funds returned. After 3 days I received no response so on XX/XX/2018 I made a phone call and and spoke with an agent explaining the problem. He went through the email exchanges and acknowleged the problem but could not offer any reason for my funds being tied up so long and requested that I submit another identification verification by uploading my photograph and drivers licensce for a third time. I informed him I would not do this again and let him know this was a courtesy call as a follow up to my last email that I wanted to close my account and the the funds returned. I was informed he could do nothing more for me. I let him know I would make a formal complaint to the proper agencies and he gave me the address to Coinbase Legal Dept. 
I am simply seeking to have my money returned. It is totally unfair for them to confiscate my funds for this long.
I 'd like all addresses removed from my credit report except for my current address. The credit agency only removed XXXX address instead of all of them.
Since XX/XX/XXXX I have diligently remain consistent disputing a medical collection agency by the name of : XXXX XXXX XXXX that have made every attempt to attach me to a unverifiable account. On XX/XX/XXXX I filed my first CFPB complaint on this company for the refusal to answer a certified mail letter within 30 days to my request for validation that was very specific in detail to show proof that I am the person this debt belong to. 
complaint # XXXX On XX/XX/XXXX XXXX XXXX XXXX Replied with an Erroneous acquisition about a phone call with attempts to resolve the debt with statements that I admitted to the debt, when the only purpose that call was initiated was to simple request validation after over a year of disputes being advised by the responses from each credit bureau to contact the funisher of this negative reporting which is what I did. 

I also contacted the original creditor for the same reason in XX/XX/XXXX and was told to contact the owner of the debt XXXX XXXX XXXX ... .so on XX/XX/XXXX I filed a second CFPB complaint on XXXX XXXX XXXX # XXXX CFPB replies XX/XX/XXXX that the complaint was sent to the FTC ... .Ive never heard from the complaint since that reply. 

On XX/XX/XXXX I filed a CFPB complaint # XXXX for XXXX   verifying this account that was never verified with me through the collection Agency as required by Law. 

XXXX v. XXXX  XXXX XXXX , XXXX, XXXX XXXX XXXX ( S.O.N.Y. XXXX ) ( citing XXXX XXXX. XXXX ). This includes informing the debtor of his or her right to ask the collection agency to 'Validate ' the debt. 

I repeated disputed with Transunion to re-investigate the collection account only to receive that they verified the debt accurately reporting without revealing method of verification as requested. So on XX/XX/XXXX I filed a CFPB complaint # XXXX. 

All correspondents are within these complaints numbers above to show that I have done what is required from a consumer to resolve a unverified collection on my credit report. 

XXXX then deleted the collection account from my credit file.
I am trying to rollover my 401k from Wells Fargo to my new employer 's 401k. 
I have provided every piece of paperwork that was requested to complete the transaction, including a copy of my driver license and answering multiple security questions. 
They have told me they can not read my license when the exact copy I have is clearly legible. They are purposely delaying my rollover.
Company : XXXX Address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone : XXXX Myself and my brother have spoken to the representative XXXX XXXX XXXX and her Manager, I've tried on several occasions to setup a reasonable payment plan with this company and their representatives and they refuse to allow me to setup a plan, First XXXX XXXX stated that I would have to put down {$3000.00} and then start a payment plan and then I spoke to her supervisor ( I can't remember her name ) and she advised that I would have to put down a {$1900.00} deposit then pay {$130.00} a month. This conversation was onXX/XX/18 at approximately XXXX EST. I spoke to XXXX XXXX approximately XXXX on XX/XX/18 attempting to setup a payment plan and she was really rude and told me that she couldn't tell me anything about the loan because it was in default and my brother XXXX XXXX XXXX the co-signer on the loan, XXXX XXXX XXXX me that she spoke to my Sister n ' Law XXXX XXXX XXXX is not on my loan at all, I spoke to my Sister n'Llaw XXXX XXXX and she advised me that XXXX XXXX advised her of my loan information, she stated that XXXX XXXX told her my loan terms, when it went into default, how much I owed, how many payments I was behind and when it went into default. My sister n 'law is not on this load at all and should not have received any of this information from XXXX XXXX XXXX XXXX XXXX While speaking to XXXX XXXX on XX/XX/18 I advised her after she told me that she had spoken to XXXX that she was to not tell her anything about my loan and she stated that I didn't have the authority to tell her who she could and couldn't speak to about the loan, by this time we were arguing and I told her that I just wanted to setup a payment plan and she said that she couldn't tell me anything about the loan and that I had to have my brother contact them to setup a plan. 

I've tried to setup a payment plan with this company and they will not allow me to setup any terms that are reasonable and affordable, plus they violated my privacy by telling a 3rd party that isn't in the loan all my private loan information. 

Please help with this situation. 

Thank you, XXXX XXXX XXXX
Dear sir/madam, as I was going through my credit report on XXXXthen I noticed a negative report on my credit. The negative report was from Capital one Bank, any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine.. First I have never had any Capital one Bank account with THIS ACCOUNT NUMBER XXXX. I Copy this account number from my XXXX credit report. Second, They have to explain which address I was living when I acquired this dept. I am requesting that Capital one Bank or any of it affiliates should remove such negative and false statement from my credit report
security credit service reporting collection debt to my credit XXXX $ and they refused to delete it their phone number is not listed but address as listed is XXXX XXXX XXXX XXXX XXXX MS XXXX
XXXX  gave me transunion, and then failed to give me  XXXX  or  XXXX .
In XX/XX/XXXX, I went info an dealer auction in XXXX , county, CA. The sticker pricewas {$10000.00} during that time my contract was reworked and ripped up 3 times. I was then to pay {$320.00} per month. Each and every month XXXX began charging me for excessive amounts up to {$580.00} per month and no justification for increase. This was a XXXX XXXX XXXX.I was constantly overcharged repo my car once by error and they kept my money. Also several times charging me numerous late fees up 3 times in one month. They kept on over billeing me I kept paying them then finally they threaten to repo and they came and took car while I was asleep, gave me no notice to claim car back they kept car and money. I then moved to XXXX, ca and while there a year, or more I could not commute then moved to my mothers house. One day I received a note from a forwarded mail, saying I was going to jail if I did not pay them from XXXX office i called and spoke with a rep who threatened me and cursedme out. I then called the sherriffs they said no knowledge of any warrant in their database none existed. Just last week I found out a bench warrant issued for XXXX in court which I had not been served. I worked 12 hour shifts and was not living where they claimed they served me. They lied to court commited perjury against me. I then discovered warrant has been issued in XX/XX/XXXX. yet XXXX harassed me way before then, told me pay or they were putting me in jail. Discovered recently that a judgement had been issued for {$2000.00}. Then, K street Finance never heard of them reports that I owe them apparently they are affiliated with XXXX but my contract is XXXX. They gave me eraseable ink contract now saying {$14000.00} was original amount when XXXX was correct amount. Their judgment was issued while I was not notified of court. Also after they recieve judgement they applied for 4 insurance clsims that I put in for to repair they paid deductible then applied the money to lan never fixing the truck, they rceived over {$5000.00}. They owe me. they refuse to stop reporting on my credit even told XXXX  and bureaus I requested a credit line and I did not and the began reporting thta I owe {$5000.00}. to them nd they wrote XXXX off and they collected XXXX in insurance after the judgment under my name. They also are in a clss action named XXXX Vs, > K street finance regarding illegal repos. They then began not serving individuals and getting automatic judgements to prevent members from claimimg money from class action lawsuit. I am sick of them reporting bad info on my credit I have disputed them over 10 times and they keep adding money to my account increasing balance and interest is wrong also. They took insurance meant for car repair and kept and applied to loan. before the repo they took one payment for bumper damage of {$600.00} did not fix vehicle. I am tired please stop them from doing this to me and others. XXXX XXXX is located in XXXX XXXX, CA nothing but crooks. They also force placed insurance 2 policy yearly in one year and over chged me again
On XXXX-18 I sent a certified letter ( tracking # XXXX to XXXX XXXX which was received on XXXX-18 at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. XXXX XXXX has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of XXXX XXXX. XXXX XXXX is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
My credit report reflects a balance of {$380.00} unpaid from Gold Key. 
This is a medical bill charge. I was unemployed at the time, and granted financial assistance, taking my balance down to {$76.00}. This was paid. I had to send backup information of my unemployment and no unemployment benefits multiple times. I also had to send my husband 's information. This was received and I went to the highest supervisor at the medical company who gave me the amount due, and had a bill sent. Due to incompetent representatives, this went on for months. The bill was finally sent and paid XX/XX/XXXX. It did not clear until XX/XX/XXXX. There was no balance due of {$380.00}. Bills were paid, or financial assistance was granted. No collection agency should have ever touched this account because I was working with the medical company directly. 

Email 1 shows much of my communication back and forth.
After submitting a complaint ( Case Number XXXX ) I received a call from Synchrony Bank where they argued with me about my complaint. Eventually they agreed to remove the late fee. However, even though I paid the balance in full as soon as Synchrony gave me access to the transferred account, today I see that they charged me {$32.00} in interest. They are clearly doing that to penalize me for complaining to CFPB, as the account is closed, has been paid in full, and late fee removed. I would happily have paid Synchrony in full earlier, by their due date, if they had given me access to do so. But because I followed their instructions, paying quickly when they finally got the account transferred, they first hit me with a late fee, and then -- because I complained to CFPB -- now have charged me interest. I demand that Synchrony XXXX out the balance, remove any charges ( late fees, interest, penalties, whatever ), and send me a statement showing a XXXX balance closed account with no impact on my credit report. Do n't let Synchrony punish consumers who seek help from CFPB. Thank you.
I was contacted by a debt company, Diversified Consultants, the gentleman on the line identified himself then got real aggressive as to who I was, wanting information I will never give over the phone to someone I do n't know. He mentioned I owe a debt to XXXX. I do n't owe a debt to XXXX. He got very aggressive then hung up. I called back and spoke to a woman who again, wanted all of my information, again I asked what this was in regards too, she started giving me my address, phone numbers, personal information and stated I owe a debt to XXXX from XXXX ... I 've never had a debt to XXXX. Then she provided a number we had with a business there, insisted it was filed for collections with them on XXXX-XXXX-17. I told her I would contact XXXX, she said go ahead and she too hung up on me. Then I called back three additional times asking for the address so I can send a dispute letter fearing they will try to collect something I do n't owe and from so long ago! How can I even prove I do n't owe anything???!!! With much aggression I was yelled at, asked to give my info and not given the address ... .each time I was hung up on. I did get partial recording of one of those conversations. I stated I wanted to have the mailing address and they refused to give it to me! Wow, I do n't want them messing up my credit for something that is n't valid. What do I do?
I filed dispute XXXX with the CFPB against Transunion on XX/XX/XXXX regarding the inaccurate reporting of a late payment on a credit card account. The negative information caused my credit score to drop by over 70 points. 

I received a response from Transunion on XX/XX/XXXX explaining that they would investigate the matter but they have no record of my initial dispute. On the same day that Transunion responded to the complaint they also notified XXXX XXXX of the significant drop in my credit score even though the information was in dispute and the investigation had not been completed. 

XXXX XXXX decreased my credit lines based off of Transunion reporting dated XX/XX/XXXX. XXXX XXXX proceeded to decrease my lines of credit through XXXX, XXXX XXXX, and XXXX XXXX further effecting my score. 

I had not requested an additional credit card or an increase so I did n't understand why a report was being pulled on XX/XX/XXXX or why I was up for review. XXXX XXXX customer service representative explained that no request had been made and I was not up for review but that Transunion just reported the significant drop in score and other negative information. 

The error regarding the late payment was quickly corrected on XX/XX/XXXX. My credit score was  updated and increased however not to its original score. I explained to XXXX XXXX on XX/XX/XXXX that the error was corrected and my score was up. They told me I had to request a credit line increase and pull my credit. However my score was still down over 70 points. The representative at XXXX XXXX explained that Transunion would have to notify XXXX XXXX with the change or update to my report before a new report and score would be considered to increase my credit line. Even though the error was corrected and my score has increased, this error and the reporting by Transunion after I filed a complaint has continued to be detrimental to my overall credit and finances with back to back credit line decreases. Transunion has not notified or updated my information and XXXX XXXX continues to decrease my credit lines. I do n't make late payments to XXXX XXXX or anyone else nor am I in jeopardy of not being able to pay my bills. I did not make a late payment however I 'm being treated as if I have and my credit continues to be effected. Why exactly was the drop in score reported while in dispute but once it 's corrected it does not trigger reporting or an update to creditors. This is an unfair practice. 

I would like my information updated. I would like my credit lines increased. I would like my credit score to stop being effected over an error that has been corrected.
I was charged by XXXX XXXX XXXX ( XXXX ) for " Services Performed '' during XXXX separate emergency room visits to XXXX XXXX XXXX Hospital ( XXXX {$990.00} ; XXXX {$240.00} ). I asked several times in writing that they provide a description and some substantiation of these " services performed '' for each billing ... XXXX simply kept sending duplicate copies of their bills. Eventually they turned both billings over to a collection agency -- AR Resources. I 've asked this agency several times to provide a description and substantiation of the " services performed '' as well. They have sent nothing more than a statement of account ( twice ), listing invoices sent by XXXX for the first ER billing only. I still have absolutely no idea what " services '' these people performed during either XXXX of my ER visits that would substantiate these charges ( that are over and above what the hospital ER charged ). AR Resources continues to ignore my requests for substantiation of these debts and has reported both of these billings as " collections accounts '' against me to credit reporting agencies. I 've disputed these claims with XXXX and XXXX ; XXXX has removed them from their report ; however, XXXX states that these claims are compliant with the Fair Credit Reporting Act.
I received a late fee in XXXX 2015, which was waived in XXXX 2015. When I made my XX/XX/XXXX payment, I paid the scheduled monthly payment, but did not include the late fee. Payment was made on time. Because I did not include the late fee, I incurred another late fee. When I made my XXXX scheduled monthly payment, I did not include the late fees. Teh payment was made on time. Because I did not include the late fees for XX/XX/XXXX and XX/XX/XXXX, I incurred another late fee. Even though I made my schedule monthly payments on time, because I incurred a late charge once and did not pay it, I am subsequently incurring late fees every month. 
Is it legal to continue charging late fees month after month just because you did not pay the first late fee and you paid the scheduled monthly payments on time?
I have an account with regions bank and I was in the process of tring to do a modification due to an XXXX and the company did not do the modification after only XXXX into the process they company has charge me foreclosure fees XXXX and XXXX. The home never went into foreclosure I caught up the payments. I have called numerous times to get this resolved was told all fees would be reversed and still XXXX months late they are not. Please .This has been a horrible experience.
I had a fraud alert placed on my credit file several times that indicates anyone who runs my credit needs to call me and that has not been done and this violates my rights as a consumer. I have reached out the each credit bureau : Equifax, XXXX and XXXX multiple times to advise of my credit being pulled without my permission without any resolve. I have attempted to dispute the unauthorized inquires on multiple occasions by disputes online and via phone, to no resolve. On my Equifax, reports, the inquiries are showing to be reported as of XXXX/XXXX/2017 when they in fact have been up there longer than that.