WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2016 I was informed that TransUnion investigated my complaint regarding a disputed debt that I had no personal knowledge or any information from any source regarding the alleged debt. I contacted TransUnion on XXXX XXXX, 2016 and was given to a representative in XXXX who kept on stating that TransUnion did a proper investigation that substantiated that the debt was valid. I said that no one contacted me and showed me any documents that supported this unknown debt. The representative indicated that TransUnion had no responsibility regarding this matter except for contacting the collector. My understanding of the law is that the credit agencies have a legal responsibility to ensure that no fraudulent information is provided to the public regarding an individual. This activity on behalf of TransUnion and the collection agency, XXXX XXXX XXXX XXXX XXXX MA is against public policy and should be investigated and stopped. 
Sincerely, XXXX XXXX XXXX
( # 1 ) Upon reviewing my credit reports, I found a collection account listed under a company called LJ Ross. On X/XX/17, I sent them a letter disputing the account. I requested validation of the debt. They were informed that if they can not validate the debt that as per FCRA 611 ( a ) ( 5 ) ( A ) they must delete it. They had 30 days to validate/verify this debt. ( # 2 ) This is proof that LJ Ross received and signed for the letter on X/XX/17. ( # 3 ) Collection letter from LJ Ross dated X/XX/17 received telling me that XXXX had turned this account over to them and that I had 30 days to dispute the validity of the claim, although I have proof that they had already signed for and received the dispute on this account. ( # 4 ) These are copies of the LJ Ross account on my XXXX account showing that they complied with the FCRA regulation to mark my account as disputed. They did this within the required timeframe. ( # 5 ) Letter from LJ Ross dated XXXX/XXXX/XXXX, This was a basic letter saying they received my dispute, they enclosed 2 statements and that was it. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized statement does not constitute verification. ( # 6 ) Copies of the XXXX statements sent with the above letter. ( # 7 ) My reply letter to LJ Ross dated XX/XX/XXXX. I let them know that they have AGAIN failed to provide me with any viable evidence of the account being reported accurately. They have basically put that account on my credit report, sent me an old statement with no proof and never responded again. ( # 8 ) Proof that the letter was received and signed for on XX/XX/XXXX.
I have been trying to get Wells Fargo Home Mortgage to acknowledge and change inaccuraries being reported on my credit report. I have start writing to them as early as XX/XX/XXXX and most recently sent them another letter on XX/XX/XXXX ( see attached including excerpts from two loan items - XXXX and XXXX. The former continues to show a 30 day late payment status which is impossible as this loan was paid off and is showing a XXXX balance ... .Reporting must be 100 % accurate under the FCRA. 
The second account also shows inaccurate a 120 days late payment status with a XXXX balance and a comments section showing that the loan was paid off with less than full balance. This is not accurate and I have been requesting an accounting to prove up their reporting.
I tried to increase my credit limit with capital one account ending in XXXX.I was denied and received two letters of denial.These are probally hard inquiries which will result in a change on my credit score.I didn't apply twice for a credit increase, only once.
I paid off a student loan in full on XXXX 2016, which Navient acknowledged and documented. On XXXX XXXX, 2016, Navient auto-debited from my checking account {$360.00} to be applied toward the already paid-off loan. When I called Navient, they said it would take a week to reverse the charge. But I 'm stuck paying overdraft charges on my checking account and the late fees for bills I ca n't pay due to this duplicitous attempt to collect on a paid debt
Unfortunately, I could not choose multiple answers. Therefore, these are the problems listed below for the 1. Navient increased my student loan payments from {$60000.00} to XXXX XXXX with an initial repayment plan of {$200.00} a month but changed it to {$890.00} prior to the end of a forbearance which was not affordable, contained incorrect owed amount or feasible for a non-working individual that was directed into forbearance 2. Percentage rates quadrupled during the forbearance 3. There is no indication of the origination of the student loans.

4. The amount owed is extremely higher than it should be 5. There are charges for XXXX  College that should have been removed due to the school closing prior to earning a degree.

6. Multiple loans reports on the credit report that are not accurate 7. Their credit reporting practices have caused my credit score to plummet 100 points causing undue hardship to me and my family.

8. I am a XXXX  veteran that is requesting full forgiveness or discharge of all of the reported student debt.
Best Buy credit cards services has been charging me a fee for Debt protection for the last 10 years. I did not sign up for this program and when I found out I was being charged I cancelled the program and asked for proof of enrollment. Citi bank debt protection is consistently telling me to wait 30 days and they will mail me information about the refund or proof of enrollment. I have waited the 30 days and now they are telling me I am having to wait another 30 day waiting period.
I paid in full the amount of {$4600.00} to XXXX XXXX XXXX on XX/XX/2018 after an agreement was reached with loan owner XXXX XXXX XXXX XXXX/USA Funds. XXXX informed that I will received a loan cancelation letter after 30 day of payment. I contacted XXXX on XX/XX/2018 and they confirmed payment was received and send to XXXX XXXX XXXX XXXX but they could not provide more information and that I have to contact XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX XXXX and they informed I have to contact XXXX XXXX XXXX XXXX XXXX XXXX because they are the loan owner. I don't have any information that names XXXX XXXX XXXX XXXX XXXX as the loan owner. After calling to 6 different phone numbers and contacting XXXX XXXX XXXX XXXX XXXX, I when back to XXXX XXXX XXXX XXXX which was unable to provide information on when I will receive a cancelation letter. These companies harass and play the game of exhausting ( " hot potato '' ) the people without any consequences and what is worse they keep doing business as usual with the government.
Roundpoint Mortgage Servicing Corporation services my home mortgage. When their client purchased my Mortgage, they did so without the obligation to pay the property taxes. I am responsible for property taxes. I paid the property taxes as per my duty in 2016. I then began to receive notices that they wanted to me additionally pay into escrow with them. When I inquired about this, they stated that they had also paid the property taxes on my behalf. I asked them to correct this issue and not to bill me for unpaid escrow money. They stated that they could not correct the bill until they had received the overpaid taxes from the municipality. Given that the error was administrative on their part, I asked them again not bill this directly to me. They claimed that they would work this out on their end. Despite several conversations with customer service I have received bills including late fees and collections notices which I feel are harassment, given that the original issue was an administrative error on their part. I continue to receive these notices and would like them to correct the error.
XXXX XXXX XXXX  transferred my mortgage loan to Carrington Mortgage back in XX/XX/XXXX My taxes and insurance are included in my monthly mortgage payment and I have not missed any payment till date. Surprisingly to me I received a bill from Carrington Mortgage showing an increase of about {$80.00} on my mortgage for The month of XX/XX/XXXX. When I called them they said they have the right to ask me to pay an additional two months escrow. There are several complaints online about this company and its fraudulent practices. My wife and I about two years ago had to file for a mortgage modification with XXXX XXXX XXXX to lower our payment because we were struggling with the payment then. Now this crooks want to add another {$80.00} to our monthly payment.

The trick is that they use this tactic to get you to refinance your loan with them. They charge a bunch of fees and you loan amount increase even if your monthly payment is lowered. Immediately XXXX transferrred my loan to this crooked company they have been sending me foreclosure letters even though I owe them nothing also refinance letters and forms.They even went as far as sending someone to my house without any notice trying to force us to refinance our loan which at its Current form we are happy with. We are not looking to refinance our loan and this crooked company dont have any right to add another {$80.00} to our monthly payment. If they dont stop this fraudulent act I and 40 other people I met online with similar complaints will be filing a class action suit against Carrington Mortgage and XXXX XXXX XXXX.
On XX/XX/XXXX I was contacted by my financial adviser that my credit has a negative information being reported. Upon reviewing my credit report I noticed that Chase XXXX was reporting an account that has mixed information. I contacted Chase and they explained to me that not only was this account being reported as bad debt but that a XXXX was filed with the IRS. I informed them that this account was not mine and that I wa n't this information removed from my credit report. They told me that they where going to investigate but that the XXXX still remains effective and that the investigation can take up to 90 days. I was then transferred to a supervisor once I mentioned that I was filing a compliant with the CFPB. This situation has prevented me from obtaining a loan that I much need. How can these companies open accounts and report it to the credit beaus with verifying the information? This account is not mine. I spoke to a XXXX ID # XXXX and a XXXX ID # XXXX
I have held this  Capital One cre dit card without issue for over 10 years.  Two years ago I signed up for online statements, as we were living out of the country and di d not want to delay our statements. We successfully received statements until    XXXX  2016 , and we paid every statement that we received.      After   XX/XX/XXXX , I  did not receive any online statements from  Capital One.  Without the statement to remind us to pay the minimum/balance as we had f or 10 previ ous years, we forgot to pay. Thus, we have some blame on this. However, we did not receive any  Capital One online statements as we should have ( we can prove this from email records ), and Capital One did not have our correct physical address in their files despite having previously delivered our statements by mail ( we never asked them to change it ).      Thus, Capital One did not notify us that the payments were in arrears and never sent us any correspondence that we know about to let us know, either via email or via mail. When we realized  ( via a credit report ) a nd called them to pay, they had closed the account. Both sides realized the situation, and I explained that I was more than happy to pay them the back payments and the interest that I would have owed if the statements had been received. I also offers to pay off the card, so tha t Capital One  would both be paid in full for their interest and principal. In return, I asked that they would recognize their own issues in this situation and, upon full restitution from me, reinstate/close the account and take off the poor credit report mark that they had given to me.     Instead,  Capital One called me a nd claimed that I must have been receiving their online statements. They cited a payment that was made after   XXXX  2016   . I explained that my wife had made payments across all of our cards that day and that this was not proof that we had received our statements. I again cited that I had proof from my email account that the statements were not received, and that I had some concern that the statements had been sent at all. They informed me that they were declining my offer of restitution and have send the card debt to collection, further and unnecessarily ruining my  credit score.      My request of CFPB :  First, I have a  long history of paying my credit card accounts, to  Capital One and others. Second, I have made it clear that there were issues at Capital One that occurred that could have notified us of a problem and prevented this situation. Third, I have offered to restore Capital One on all payments as if I had received the statements, which would be a fee far greater than they would receive in collection. Fourth, given my history and my email proof to the contrary, Capital One 's decision to ignore their own part in this and to ruin my credit history is unfair and unjust. I ask CFPB to intervene on my behalf to ensure fairness is done for both sides.
CRA violation no knowledge fraudulent accounts on my Equifax credit report. FTC ID Theft Report # XXXX
This is an old debt that was closed on my credit report. An ex employee I worked with started working at this loan place and they got the information from her and contacted me at work. I was embarssed she humiliated. I cant have personal calls. They threaten to garnish my check and asked to be transferred to human resources
XX/XX/XXXX contacted XXXX XX/XX/XXXX XXXX XXXX in attempt to pay debt -- informed it was archived and no payment was required. 

XX/XX/XXXX receive letter from FarMar Law Group threatening legal action in regards to this account.
XXXX XXXX XXXX {$230.00} & {$200.00} You must provide 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.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, compliance and reportability of these listings. The negative marks are inaccurate. There is no contract or valid claimI also contacted original creditor I want these accounts removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice ; accounts were settled by my Insurance carrier with original creditors.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.
I stop by Bank of West branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, CA XXXX. I request a check to be cash it. I was questioned, if I were a Bank of the West customer? I respond it with a NO. I was explain that in order for them to cash my check they will deduct a charge of {$7.00} dollars, XXXX XXXX XXXX question me, why I did not cashed at my bank?, Reluctantly, I request for the check to be cash it. XXXX XXXX request my California ID and proceed to write down my license number and all the information in my clients check. I stop her, I told her clearly, I was not giving permission to provide my personal information to my client or anybody else, she could write the information into the bank computer system but not to my client trough the check. 
XXXX XXXX told me that it was procedure and if I want the Bank of the West check cashed, she will need to do written down in my clients check. I told XXXX XXXX that was not true and I need it to speak with her manager, her respond was that she was at lunch, if I want it to wait for her. I request for the check to be return it to me, that I will complaint about the charge to cash a {$500.00} dollars check and to the fact the she was giving my personal information to the check account holder without my permission.
Please remove the following accounts which have nothing to do with me.. I don't know how it got on my credit report but I need it removed immediately..I contacted the credit bureaus and ask for evidence but they could not supply me one..XXXX XXXX, ( Original Creditor : ) XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
XXXX will Not remove this account even after I sent them a police report and proof that I never had a bank account with XXXX XXXX that someone was making payments on the XXXX  card on
XXXX. XXXX my Mother and her husband bought a home at XXXX XXXX XXXX XXXX XXXX, XXXX The mortgage company was XXXX mortgage. They signed the loan documents as husband and wife.. In XXXX the husband decided to go to California and deeded the home to my mother. He returned about a year later and lived there until he developed XXXX in XXXX. At that time I took over the mortgage payments and kept the loan current and provided insurance coverage. In XXXX XXXX the husband died. XXXX XXXX XXXX soled the mortgage to CMLTI mortgage company..I kept the loan payments to XXXX current. XXXX XXXX Fay Services bought the mortgage. This is where the problems began.Faye services changed to ownership of the home and responsibility for the mortgage form my mother to her deceased husband. Fay refused to discuss correct this and refused to discuss with us on numerous attempts we made to talk with XXXX XXXX and XXXX XXXX loan officers. Because they would not tell us the current amount of the loan balance or amount of payments. We paid the same payment as was required by XXXX All XXXX taxes were deferred by the county because my mother is XXXX. Fay set up escrow for taxes despite the fact that the taxes were XXXX Notice was sent to the husband 's family showing he owned the property. His family immediately filed a probate lien on my mother 's home. We hired a lawyer. Fay would not cooperate with him.. Faye cashed our checks and this loan should b up to date. We received a notice from Fay advising that if we do not pay and additional {$20000.00} by XXXX XXXX they would foreclose on my XXXX XXXX XXXX mother 's home.. There are XXXX complaints against FAY services with the BBB and more with Texas Dept of Savings and Mortgage Lending.
Equifax illegally shared my information along with the information of millions of other Americans via poor cyber resiliency.
XXXX, XXXX and Trans Union are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Wells Fargo is sharing stolen money from my Mortgage with members of the XXXX Tax Collector 's Office in Arkansas. Since XX/XX/XXXX Wells Fargo has sent enormous checks for property taxes totaling {$130000.00} supposedly for my Property Taxes. The property taxes on my small home in XXXX Arkansas are typically {$470.00} or less. The payments made by Wells Fargo to the XXXX County Collector 's Office is a {$120000.00} flagrant overpayment. I believe Wells Fargo is sharing the money they have stolen from my Mortgage Account # XXXX with Arkansas State Officials. I have provided evidence these payments have been made and received by the State. 
Please go to this link to see live data on the Arkansas Collectors website http : XXXX Credit Amt Total XXXX Current XXXX XX/XX/XXXX {$0.00} {$11000.00} {$0.00} {$11000.00} XXXX Current XXXX XX/XX/XXXX {$0.00} {$10000.00} {$0.00} {$10000.00} XXXX Current XXXX XX/XX/XXXX {$0.00} {$14000.00} {$0.00} {$14000.00} XXXX Current XXXX XX/XX/XXXX {$0.00} {$16000.00} {$0.00} {$16000.00} XXXX Current XXXX XX/XX/XXXX {$0.00} {$17000.00} {$0.00} {$17000.00} XXXX Current XXXX XX/XX/XXXX {$0.00} {$16000.00} {$0.00} {$16000.00} XXXX Current XXXX XX/XX/XXXX {$0.00} {$25000.00} {$0.00} {$25000.00} XXXX Current XXXX XX/XX/XXXX {$0.00} {$16000.00} {$0.00} {$16000.00} XXXX Current XXXX XX/XX/XXXX {$0.00} {$420.00} {$0.00} {$420.00} XXXX Current XXXX XX/XX/XXXX {$0.00} {$470.00} {$0.00} {$470.00} Total {$130000.00} I am the victim of Elderly Abuse. I am XXXX years old and I have a XXXX. I am currently in a XXXX and use a XXXX. This week I am having my daughter drive me XXXX Miles from my home to XXXX Arkansas to send a Bank Check to Wells Fargo because they have falsely claimed I owe them money when they have stolen my mortgage payments for years. Wells Fargo Bank Officials and Arkansas State Officials are stealing money and homes of Elderly people like me all over the state. Please investigate and put these people in jail. I may die before there is an end to this investigation but please do not stop punishing people that steal from the defenseless.
Caliber home loans - I was mislead by the amount I would receive out of the refinance even though I questioned on several different occasions. 
XX/XX/XXXX - I spoke with XXXX XXXX from Caliber who advised that I would be receiving approximately 10k.

I received approximately 1400.
I disputed the information with all three credit bureaus, XXXX, XXXX , & Transunion, who will not remove an invalid hard inquiry. I submitted a letter to them explaining that XXXX XXXX XXXX XXXX out of XXXX, Utah promised me that they would only use a soft inquiry and not a hard inquiry because the credit union changed my account included in chapter XXXX bankruptcy to a current charge off status. The credit bureaus will not budge or work with me. 

Transunion will not remove an invalid inquiry. XXXX XXXX XXXX XXXX XXXX XXXX, 2017 This has to do with annual credit report dot come. Anything pulled by the consumer is a soft inquiry because the consumer, being me, is the one that is requesting their credit report. It is being reported as a hard inquiry.
I have been place under XXXX XXXX without my consent. 

My loans were originally under XXXX. I made payments to them starting in XX/XX/XXXX when my 6 month deferment period after graduation had ended. I enrolled in the Income Based Repayment Plan and made payments of {$130.00} monthly. 

I then had my loans transferred to XXXX XXXX from XXXX  because I enrolled in the XXXX XXXX XXXX XXXX program. I was eligible through my employment at the XXXX XXXX  XXXX starting in XX/XX/XXXX. 

I faced problems initially when my loans were transferred because they lost my XX/XX/XXXX payment and did not recover it till XX/XX/XXXX. But this was only the beginning and is not the main issue I am concerned about. 

I made payments of {$130.00} every month on time until XX/XX/XXXX when my account was put into XXXX XXXX without my consent. I qualified for deferment when I was accepted for my masters at the XXXX XXXX XXXX. However, in NO way did I want my loans put into deferment as my interest would begin to capitalize. I am also capable of making the payments. So why would XXXX XXXX put me into deferment with no authorization or reason to believe I could not make my payment? 

I have no idea and it seems neither did the agent at XXXX XXXX I called. She said this has been happening a lot and that it should not be without an application for XXXX XXXX. She said they will send me an application in 7-10 days to get out of deferment ... Of course during this time my interest is capitalizing. 

I am very concerned about this as it seems this is a VERY common issue with this loan servicer. Please contact me as soon as you can, I would be happy to speak more about this. I know XXXX is currently undergoing an investigation over this same issue.