WillisBack/dataset-financial-user-claim huggingface dataset:
My loan payments are current. They are calling me and the co-signor every XXXX minutes from morning until night. When I do answer the phone and talk to them they see that I am current and state that it is a " glitch '' in the system. However they are still calling every XXXX minutes to both of us and this has been going on for at least 3 weeks now. I am getting ready to call an attorney. Please help. Thank youXXXX XXXX
Not sure if I am contacting the correct place. 

Several years ago we had to file for bankruptcy. Almost 7 years ago and it still plagues me with my credit as a result. Why was my bankruptcy special? Because of medical issues - XXXX XXXX and XXXX. Then another XXXX XXXX followed by a XXXX XXXX. Since our bill could never been paid in my life we filed bankruptcy. There was NOT ONE of the bills was due to our money management and no creditors other than medical was reported. All our bills were current so nothing to write off except medical. The records will bear this out. Just applied to XXXX for a credit card and my bankruptcy was a declining factor. 

Then there is XXXX or a collection agency - like XXXX? For over a year I had paid them monthly and then I received a collection notice. Why? My records showed up as paid in full. After months of complaining that their records were incorrect and to stop having the collection agency disturb us. It was not resolved until my wife took my records and confronted them wanting to know where these payments went? The end of the story is that their bookeeping had been applying my payments to someone else account. Now I was upset because we wanted to buy a home and their reporting prevented it. XXXX XXXX sent me a letter of apology and told the collection company to quit reporting, that it was a mistake. For some unknown reason they have been reporting this for years incorrectly. 

Both of these are not reflecting properly and the reporting credit agency needs to fix XXXX mistake. Seems I heard that when a debt is turned over to a collection agency wrongfully they are required to fix it. 

Why am I complaining about this now? My credit should not have any issues when this is fixed and at XXXX years old I want to see my credit score adjusted properly before I am gone. 

XXXX XXXX
Filed a complaint about Amex telling me on XXXX different occasions that I was eligible for XXXX point offer. I told Amex to check their phone recordings in XXXX XXXX and XXXX XXXX XXXX and they said they were not available. CFPB notified Amex about my complaint and they sent me a letter. The letter states that they did review the phone listings and the representatives did not inform me of my eligibility. So XXXX lies XXXX they were not available and XXXX if available there would support my case. Amex includes a general phone number for some not involved and ca n't really respond. I asked the general rep. to request the consumer advocates dept.. for the transcripts of my call on XXXX XXXX to employee XXXX. Its a nice smoke screen that most people would just give up. They made a mistake and at least I want an apology
Please consider this my formal complaint against TransUnion Consumer Relations. 
At the start of XX/XX/XXXX I ran my credit report and found TransUnion was reporting a Bankruptcy chapter-XXXX discharged on XX/XX/XXXX. I wrote them to dispute this derogatory report at least 3 times asking them to VALIDATE the bankruptcy report. They came back with it being verified as accurate each time. I made it a mission to find out how this was so. 
I wrote to the County Recorder of Deeds and the Bankruptcy Court in the county the bankruptcy was being reported from. They reviewed the Public Record section of the TransUnion report and mailed me letters ( see attached ) which stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed TransUnion Consumer Relations has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrectly, so I found out who these third-party companies are & requested my reports. I wrote TransUnion again on XX/XX/XXXX and XX/XX/XXXX asking them to VALIDATE the derogatory report ( see attached ). I stated I had letters from the 2 major data mining companies ( XXXX XXXX XXXX ) as well as the letters from the bankruptcy court. TransUnion still insists they have verified the bankruptcy.
Trans Union had a computer breach in their system that violated the rights of their consumers under section FCRA 611 5 ( b ). I have been gravely affected and my credit score is suffering as a results. The computer glitch that caused all of the inquiries on my credit report to be deleted and my credit score increased. The very next week all of the inquiries were re-inserted to my credit report without prior written authorization and are in direct violation of section 611 of the fair credit reporting act. I have spoken with a rep at Trans Union who acknowledged that the security breach happened but they refuse to fix the error on my credit report. I am requesting that the following reinserted inquires be removed immediately : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CAP XXXX Inquiry XX/XX/XXXX XXXX CARD Inquiry XX/XX/XXXX
I have made every single payment on time. I have tried to get them to lower the interest rate ( it 's at 9.75 % ),. The last time I called them, they said there was nothing they could do, they could not refinance my loan, even though I 've paid every singe payment on time for the last 4 years. The gentleman I spoke to said the only way I could get the nterest rate lowered was to " be late on a payment, and then COLLECTIONS will call you, then you can negotiate with them about refinancing ''. Why do I have to go to collections before I can be considered for refinancing? I have a XXXX credit score, there is NO REASON for my interest rate to remain 9.75 %. It will take me XXXX more years to pay off my loan at that rate. Absolutely absurd.
XX/XX/XXXX I contacted XXXX- ( XXXX XXXX XXXX XXXX ) about my discharged student loan account being reported incorrectly. XXXX then sent a electronic deletion request to Equifax to delete the 2 trade lines from my Equifax report. After submitting I contact Equifax on the status of the request on the XX/XX/XXXX and  was told request was request was received but account were only updated to XXXX balance and paid collections. I then Contacted XXXX again the XX/XX/XXXX and informed them of the accounts where not deleted. Another electronic request was sebt by XXXX on XX/XX/XXXX to  delete the trade lines and again request was ignored. I then faxed into Equifax the letter of deletion request XXXX sent to me to Equifax son XX/XX/2018 and again equifax ignored the request. XXXX has sent 2 request on XX/XX/XXXX and XX/XX/XXXX to equifax to delete the trade line. As of XX/XX/2018 both XXXX trade lines Account # XXXX remain on my Credit report.
TCF repeatedly sent me promotions like this that said I was going to be given XXXX for opening an account. This happened to me once with a XXXX promotion and once with a XXXX promotion. Can you please beg them to give me the promotions that I am owed for XXXX with compensation for the discrimination linked to my Aunt and Mom's XXXX.
----- Forwarded Message -----
From: TCF New Accounts 
To: "XXXX" 
Sent: Sunday, XX/XX/XXXX, 2012, XXXX XXXX CDT
Subject: Don't miss out: Your $XXXX cash is waiting


		Open an Account 	
			
	
Don't miss out:
Your $XXXX cash is waiting

Hi XXXX,

We know how busy life can get but we hope you haven't forgotten us. Did you know that when you apply for a TCF account online your information is completely protected and it only takes eight short minutes to get approval?

Time is Running Out:
We'll put $XXXX cash in your account.

Come back today and we'll give you $XXXX cash when you open an eligible TCF checking account and make 15 qualifying transactions1. What's a qualifying transaction you ask? It's simple, really. See below for all the details.

Plus, opening your account online is not only faster than going to a branch, it's just as safe and secure. So rest easy and come back to see us today.



	
Sign up in 8 short minutes

    We keep your private information completely safe
    Hundreds of branches, open 7 days a week with extended hours

Open an Account
Items and remarks were removed from my credit report 1 week ago. No notification was sent. No updated credit report was mailed. The information reappeared on my report with no notification. I have contacted the company and they confirmed that the information was indeed no longer on the report.
There is a collection account on my credit report from XXXX. 
I never received a bill. 
I have dispute this on my Equifax report back in 2013. 
I sent a letters for validation and dispute and the company never responded.
I had a XXXX credit card about 20 years ago. Now my credit report dropped 50 points. My credit score was XXXX, now XXXX. What has happened. I owe no one anything.
On my credit reports there is an account that is not mine. It is from a collection agency named XXXX XXXX & XXXX XXXX account # XXXX XXXX. It claims that I owed them a debt, which I do not and never signed an agreement with them. Now it is hurting my future because when I apply for housing the landlords reject me because on my credit report it states the XXXX XXXX XXXX XXXX account came from an apartment complex. Please help me with this situation as I do not owe any money and I can not get housing because of this.
Unable to refinance my high interest mortgage with SunTrust bank for years because SunTrust mortgage made a clerical error on XXXX data and have not made substantial effort to correct the error. Meanwhile I kept paying Sun Trust Bank the high interest mortgage rate.
On XX/XX/2018 I made my final payment on a charge off account. On XX/XX/2018 a failed to pay was still reported to XXXX credit report. I filed 2 disputes and capitalone still refused to remove the failed to pay for XXXX. I received monthly failed to pays for over a year before XX/XX/XXXX even though I made monthly payments. This affects your credit adversely every month u lose points.
I have tried dispute these and it gets me no where, even on the website it wont let me, these are not my accounts, I am working hard to get my account in shape and its steadily adding these accounts from someone else! 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Placed For Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$750.00} XXXX XXXX Authorized User XXXX $ XXXX XXXX Authorized User XXXX $ XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX-auto Inquiry from XX/XX/XXXX + Misc . 
XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Retail, Not Elsewhere Classified XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX
I am writing about claim id : XXXX. I had several claims that chase decided to group into one claim. Then they told me they did research and said the merchant provided the necessary documents to prove my claim was false. However, Chase did not provide any proof. I think instead of individually researching each claim this they were lazy and group them together. I think chase did not follow the law and incorrectly did not research these items. In doing so violated my consumer credit rights.
I applied for refinancing on my mobile home loan through 21st Mortgage. XXXX suspicious things occurred. The first one involves the reason I applied for refinancing. I saw a sign outside another trailer park offering a 4.93 % mortgage rate in big letters with 21st mortgage 's insignia on it and this rate was confirmed by the XXXX XXXX XXXX XXXX XXXX staff. When I applied for refinancing from my 9.9 % mortgage, they told me that the lowest rate for financing for all credit scores was 10.8 %. I asked 21st mortgage company if they knew about the sign and they said that it was false advertising and it did n't exist. I took a picture and sent it to them and received no response. The XXXX XXXX XXXX XXXX XXXX told me that 21st mortgage provided them with the sign to put up. The second suspicious moment occurred when I was denied a refinancing opportunity and I received an email stating that I could restructure my loan if I paid them {$2000.00}. When I asked what was meant by that statement, the agent, XXXX XXXX, refused to elaborate and said he would take care of it. I got denied refinancing and he asked for money. Is n't that fishy? I do n't know what that means. It seems to me that something either I do n't understand is going on or the company is trying to take advantage of people.
OPTIMUM OUTCOMES, INC.is reporting XXXX debts on my credit report for XXXX each. I have requested verification and validation of debt numerous times. I have never been to this facility and this debt appears to be reported twice which is a violation of the FCRA. I want proof of this debt and that I owe it. My social is XXXX and date of birth is XX/XX/XXXX
I am having a hard time correcting the payment status on my student loans from XXXX XXXX. The payment status is reporting inaccurately to Experian and XXXX for XX/XX/2015. There is seven loans with one late payment for XX/XX/2015 on them. There is four loans with one late payment for XX/XX/2015.
I submitted a letter to Experian on XX/XX/2017 to remove inquiries that were not authorized by me and did not receive a response addressing my concerns. I need to see proper authorization for each un authorized inquiry on my report. Furthermore I requested that they provide me with the method of verification for the XXXX XXXX card they are reporting on my report and they id not provide it. I need these issues resolved as soon as possible as this is preventing me from being able to get financing for my XXXX XXXX.
My account transferred to Freedom in XXXX. Right from the start I had issues. I called Customer Service because my insurance was paid by the previous servicer on XXXX XXXX, 2016 ( this is confirmed on Freedom 's website ) Freedom then paid my insurance on XXXX XXXX, 2016. I called to get the payment cancelled and the agent was very rude i let her know there were XXXX payments showing on the website and she proceeded to argue with me that only XXXX payment had been made. I offered to wait while she logged onto the website to verify but she claimed there was no way the previous servicers history was on the website ( see attached screen shot its on there ). After getting hung up i finally got to the insurance department whom claimed they stopped the check from going on out. However the check did go out and so my insurance company sent me a refund of {$1100.00} thankfully I knew enough not to cash this. I called my insurance company who stated that Freedom stopped payment on the check and it was not valid. So while my issue is resolved my complaints revolve around XXXX things XXXX the shoddy customer service and the rude agents at Freedom. Second i have sent to email requests to freedom regarding this issue w/no response the first in XXXX which i do not have a copy of and the second XXXX in XXXX ( copy attached ) i have not gotten a single written response from Freedom other than an acknowledgment that they have gotten my complaint and will respond by mail. I work for a mortgage company and was appalled out how i have been treated and how i have not received a response.
On XXXX/XXXX/XXXX, I was contacted by a XXXX from Regional Finance located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, stating that I had cashed a check for {$2400.00} on XXXX/XXXX/XXXX and that I had missed payments. This was the first time I heard of Regional Finance, and I did not cash a check for {$2400.00}. XXXX, from Regional Finance, informed me that Regional Finance buys information from credit card companies, pre-approves people for payday loans, then mails the payday loan to the address. Unfortunately, the check got mailed to a previous address of mine, and someone else signed the check in my maiden name and cashed the check. XXXX, from Regional Finance, informed me that my driver 's license was on file, but when she read me the driver 's license number on file, driver 's license number on file did not match up with the number on my driver 's license. They also told me that the email address on file was XXXXXXXXXXXX, which is not my email address. I asked XXXX, from Regional Finance, how they got my telephone number, and she said they " googled it. '' XXXX, from Regional Finance, also informed me that if I did not come into their office to sign an affidavit, my credit would be affected.
XXXX XXXX XXXX shows an account in collections that is beyond the SOL for the state of CA. 

Attempted to get debt removed-CRA 's have not done so.
This is in essence the same case that was submitted/reported under ( XXXX and XXXX ) for XXXX XXXX. This complaint is specifically for American Express for similar reasons. We agreed to purchase a timeshare from XXXX XXXX if they purchased our XXXX timeshare. They failed to purchase our timeshare within the time required ( 60-days ) - it has been over 6 months. In the attachments much more detail is provided in the " XXXX timeshare summary ''. American Express has sufficient information to reverse the charges but they are ignoring the evidence. XXXX XXXX needs to either purchase our XXXX timeshare as agreed or tell American Express to refund our money. 
For XXXX XXXX to abide by the agreement they would need to purchase our property for the agreed to amount of {$100000.00}. Since they also agreed to refund the entire amount of the purchase of their property in the first XXXX we would also like those charges reversed on our credit card ( {$24000.00} ). At a very minimum the credit card charges should be reversed.
I pulled my credit report and noticed several inquiries that were n't made by myself. I was n't aware of any inquiries. I was n't contacted by any companies nor credit bureau and I noticed an alert that inquiry was on my credit report. I sent in several certified letters over to the credit bureau all three bureaus and received letters to only show that the inquiries and accounts were verified. I did n't get any letters, contracts or notified by any creditors or credit bureau to get any consent so that is breaking the FCRA laws. Several laws have been broken and I want to seek a civil suit against the credit bureaus along with the creditors advertising inaccurate information on my credit report. I have serval people in the United States that has the same name as me and I do n't think it 's fair that I pay the price for errors on behalf of credit bureaus and creditors.
Took what I thought was a private loan from XXXX XXXX  out in 2006. The college recommended XXXX XXXX. My credit report now show Nelnet as my servicer and XXXX XXXX as my lender. No original loan paperwork has been sent to me. My credit report has multiple loans showing. Same amount same loan number appears to be duplicate.

Loan is now showing as a FFEL when it was private. Loan is over 10yrs old. I have disputed to no avail. Did not apply for a XXXX XXXX   loan with XXXX Nelnet or XXXX. My college recommended XXXX XXXX for a XXXX XXXX dollar personal loan. I have graduated and can not find a job, I would like to have this removed
They have somehow contacted my mother although she has no connection to this debt and harrassed her calling multiple times per hour. I called them back, they were looking for another name other than my own and I told them to not use this number again to contact me and they told me they would n't and called me an " XXXX ''. The person on the other line is called " XXXX '' and she is extremely unprofessional, rude, lewd, and harrassing. I am being called multiple times per day starting XXXX XXXX up through today XXXX XXXX thus far.
XXXX/XXXX/XXXX Direct Sub Stafford Loan Repayment {$8000.00} XXXX/XXXX/XXXX Direct Unsub Stafford Loan Repayment {$2400.00} XXXX/XXXX/XXXX Direct Sub Stafford Loan Repayment {$8200.00} XXXX/XXXX/XXXX Direct Unsub Stafford Loan Repayment {$2500.00} XXXX/XXXX/XXXX Federal Stafford Loan Repayment {$5100.00} XXXX/XXXX/XXXX Federal Unsub Stafford Loan Repayment {$2000.00} XXXX/XXXX/XXXX Federal Stafford Loan Repayment {$2600.00} XXXX/XXXX/XXXX Federal Unsub Stafford Loan Repayment {$2300.00} This list is actually higher than when I started paying on my loans several years ago. To date I 've paid : Principal Paid : {$3300.00} Interest Paid : {$7600.00} Amount Paid : {$10000.00} I have made several attempts for an explanation. Contacting by phone is troublesome as I reside overseas ; both costly and timely. I have made two attempts at loan forgiveness ; as a public service worker ( XXXX ) and been found ineligible. Any help would be greatly appreciated.
WEST ASSET MANAGMENT  ACCOUNT NUMBERs :  XXXX  In response to complaint :  XXXX  Your company have violated FCR  A 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2  of this title relating to information resulting from identity theft, to prevent    that person from refurnishing such blocked information.   The reference items are listed below please take this matter very serious  WEST ASSET MANAGEMENT ACC OUNT NUMBERs :  XXXX  I have report your company to  consumerfinance.gov  As a form of record and I am prepare to sue your company Example  In re    XXXX   XXXX   XXXX   XXXX   XXXX    Telephone Consumer Protection Act  Litigation, Case No.  XXXX , in the  U.S. District Court  for the   XXXX   XXXX    of  Californi a Stop collect ion proceedings against me Signatures on applications and accounts Investigators report   XXXX   XXXX   SS #  XXXX  DOB   XXXX     ADDRESS   XXXX   XXXX    XXXX   XXXX   XXXX  , FL  XXXX