WillisBack/dataset-financial-user-claim huggingface dataset:
Since XX/XX/XXXX, I had only received 2 letters in the mail at my address of XXXX XXXX XXXX. I had received a letter in the mail at my XXXX XXXX XXXX home a year ago in regards to applying for assistance in making the payment but did not send in the paperwork because I would not have been approved due to annual income. I feel that I was not given a reasonable amount of time or chances for someone to contact me in regards to payments and out of nowhere began receiving letters in XX/XX/XXXX that my account was now in collections. When contacting XXXX XXXX XXXX, they stated I did not return the paperwork for assistance and so they sent it to collections. I feel this is wrong and they should have contacted me even just asking how the paperwork was going or if I had any questions. Then could have told me to start setting up payments to avoid having the account go into collections. There was no heads up given nor any attempt from XXXX XXXX XXXX in getting my account paid for through them instead of dealing with a collection agency.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 

These item late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX has been inaccurately been reported to the credit bureau. When I last spoke to XXXX XXXX as soon as XX/XX/XXXX to be place in a Forbearance. XXXX XXXX  failed to complete the necessary documentation to complete this process, thus making the current credit report inaccurate and incomplete because. I am requesting that the item be removed to correct the information. 

Enclosed is an attachment supporting my position. Please reinvestigate these matters and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosures : Account number : XXXX XXXX XXXX 120-149 days Late XX/XX/XXXX XXXX XXXX 120-149 days Late XX/XX/XXXX XXXX XXXX  120-149 days Late XX/XX/XXXX XXXX XXXX XXXX days Late XX/XX/XXXX XXXX XXXX 120-149 days Late XX/XX/XXXX 2017
For the past two months I have requested that all 3 credit reporting agencies address and correct multiple errors on my credit report. However, once their investigation is complete they do n't fix nor remove anything but instead stare they have updated my account information with each debt collector I inquired about. Sixteen negative remarks are from the XXXX XXXX XXXX and XXXX ( both student loan lenders ). These two debt collectors have multiple listings of the same account number and loan. I found that one account is reported four separate times. The credit reporting agencies are maliciously and intentionally allowing the lenders to falsify my credit report. I know this to be true because each debt shows up repeatedly. Moreover, the creditors have multiple accounts listed as : each debt collectors name, account number, initial balance owed, listing date, and have N/A reported for current amount owed, monthly payment applied, etc. Also, the credit reporting agencies have inaccurate addresses listed, phone numbers, valid prior addresses have been deleted or removed and they also have two negative remarks that are medical debt. The medical collections are also counting against my credit report and score. Please advise
XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX The above medical debts were recorded on my XXXX, XXXX  & XXXX  credit Bureau In the year XXXX. I reconciled my debts when I received my Income Taxes .I decided to retain an attorney thru XXXX XXXX XXXX XXXX. XXXX XXXX challenge d A R Resources with An intervention using Legal Action for a Validation Demand on all credit Bureaus. 
They were required to remove them immediately. 
Removal date was XXXX. XXXX. With total disregard of the Law and my Consumer Rights they Sold the debts to XXXX XXXX XXXX. XXXX entered the same debts in XXXX and XXXX XXXX. 
I have discussed this with them numerous times about the Legal Action. 
I have not been able to rent a place much less buy a car on credit since XXXX. 
Please can u do something about it perminatly. 
Thank you
I am in foreclosure with HSBC Beneficial. In XXXX, the Office of the Comptroller of the Currency ( OCC ) sued HSBC for failing to meet the requirements of the Independent Foreclosure Review. I filed a complaint with the OCC and they advised me to file a complaint with CFPB. I would like to know what HSBC agreed to do for their mortgagees like myself who were placed in foreclosure with out the proper steps taken.
Equifax has confirmed that my social security number and potentially other personally identifiable information were compromised by their XXXX 2017 security breach. I feel that they were negligent in the handling of my PII and possibly PCI data and should be held responsible.
I told the bank to stop payment for a mortgage i was going to pay at a later date because I knew i had insufficient funds. They told me that i have nothing to worry about and that they 'll take care of stopping the transaction.I told them again as a reminder 2 days before the trancsaction. I gave them 5 days notice total of the transaction, I later found out they had let the transaction through not once but XXXX, since i didnt have enough funds i was charged XXXX insuffiecnt funds fees for XXXX dollars each. And now they are telling me its my fault for not having the funds even though I gave them a notice to not allow payment.
I WAS DENIED FOR ANY OPTIONS TO BRING MY LOAN CURRENT. I HAVE BEEN TRYING TO GET A LOAN MODIFICATION OR REPAYMENT PLAN BUT THEY ARE JUST DENYING ME AND NOW HAVE A SALE DATE FOR XX/XX/XXXX. I HAVE BEEN STRUGGLING TO KEEP UP WITH MY MORTGAGE PAYMENTS AFTER MY DIVORCE IN XX/XX/XXXX AND LOSING HALF INCOME CONTRIBUTED TO THE HOUSEHOLD AND BUSINESS SLOWED AS WELL.
There are XXXX accounts reporting with dispute comments. I requested that these accounts remove the dispute comments from all XXXX bureaus and I had no issues with XXXX and XXXX but Experian stated that they would have to file a dispute with the companies reporting in order to have the verbiage removed and it could take up to 30 days. Well, it did n't take 30 days but instead the two companies refusing to remove the comments denied my request even though I stated " I no longer dispute the account and I agreed with the way it was reporting '' I also contacted both companies and requested for them to remove the dispute comments themselves and both companies stated they would n't remove the dispute comments " UNLESS THE ACCOUNTS ARE PAID '' To me this is illegal because these companies are holding me hostage and preventing me from being able to purchase a home by reporting innacurate information on my credit file since I have specifically stated I 'm no longer disputing the accounts. It 's my right as a consumer to dispute an account and there are mortgage guidelines in place to decide whether or not I am approved for a mortgage and it should n't be up to anyone deny me this right by reporting inaccurate information in hopes of getting paid. Experian has stated there is nothing they can do unless the creditor reporting the information gives them permission to remove the comment. I had no issues with XXXX or XXXX and if Experian has to put the account in dispute to remove the dispute comment it 's extremely contradictory. I have clarified to both experian and the creditor reporting the information that I no longer dispute the information and I agree with the way the account is reporting and still I ca n't get them to remove the comments from my credit file. This is preventing me from being able to move forward with a mortgage and they are holding me hostage. XXXX XXXX XXXX and XXXX XXXX XXXX are the two accounts.
XXXX/XXXX/16 I contacted XXXX for computer repair and made a payment of {$180.00} through Circle financial. XXXX/XXXX/16 XXXX informed me that I need to purchase a patchwork file for {$120.00} which I agreed to pay for.Both transactions were made through Circle Internet Financial Inc.The problem reoccurred on XXXX/XXXX/16. I contacted XXXX on XXXX/XXXX/16. They informed me that XXXX XXXX of XXXX for {$200.00} the problem would be fixed. I agreed to pay for the repairs again through Circle Financial. The computer problem still was not resolved. I tried to contact the company many times with no success. It turns out that XXXX is a scam as confirmed by XXXX, a rep from Circle. I did not get the product I purchased. I could not get in touch with XXXX for a refund and Circle would not assist me. Circle told me that they do n't know the company name ( XXXX gives different names ) and yet they allowed my payments. to be processed knowingly by a scam.
I settled with XXXX on several accounts last year and the accounts should show as XXXX balance, paid or settled. They are showing as open collections still and hurting my credit scores.
There is an Debt from Americollect for {$130.00} from XXXX. The Original Creditor was XXXX XXXX of Wisconsin. I never received a written communication about this Bill. Under FDCRA you don't have a right to collect on this Debt. Please remove
A joint best buy account in 2009 was closed and charged off. It currently says open and in collections. This debt was settled.
My only phone number is XXXX XXXX. You have it deleted on my credit report. 
Also i am retired and you deleted that as well. 
I have been undergoing horrible identity theft since XX/XX/2014. 

They know my ss # everything Please fix the two things on my credit report.
I sent out letters and tried to rectify everything with you Financial institution I have asked them for they were confirming these were in fact my inquiries and I let them know that I had I didnt need that in the past two years and I had a lot of stuff that was not mine again I have asked them to remove these inquiries or show me proof in which they are unable to
I have been making payments to Huntington Bank for a settled line of credit. I have never missed a payment. It has been over 4 years. This has now gone into XXXX XXXX and they are claiming they aren't receiving payments. The treasury department is now handling collections for this debt. However, Huntington Bank keeps accepting payments. 

This has now dropped my credit score from XXXX to XXXX and I am now in the process of getting a mortgage. I can not get mortgage with a XXXX score. 

I call Huntington Bank and they forward me to the Treasury department and Treasury department refers me back to Huntington. Nobody will straighten out their mistake.
XX/XX/2018, amount {$120.00} for a collection that keeps appearing on my credit report with EQUIFAX that I do not owe such a debt. Thus after filing a police report of fraud and do not have any public record to verify that I owe a debt. It still appears on my file with the Consumer Statement of : "  This account is not mine and can not be verified because you have no legal court order or judgment stating that I am responsible for this account which is fraudulent in nature, Just because a collection agency states that it belongs to me does not make it valid without proof of verification under the fair debt collection act. '' This information had only appear once I close on Escrow XX/XX/2018. Did not have any negative information on my credit report when I purchased my home as a Veteran. After many attempts to try to contact EQUIFAX and state that the information in wrong and also provided a police report, they still insist that I do indeed owe this money to the Company Known as XXXX XXXX XXXX XXXX XXXX.
Wells Fargo Investigations : XXXX Claim # : XXXX Issue # 1 ) On Tuesday, XX/XX/2017 @ XXXX EST, a 3rd party was allowed to take money from my checking account without showing ID, no debit card, no PIN #, no security questions, and no signature. Bank teller # 2 appears to have filled out the withdrawal slip with my account number, name and amount and the 3rd party seems to have written an incomplete sentence instead of providing a signature for the withdrawal. The banks ' fraud dept. did immediately put the money back in my account upon me bringing this to their attention. The branch manager said that this crime was committed by someone within my personal circle. Issue # 2 ) Upon me filing this complaint with the bank, a CSR requested my PIN #. I informed him that that 's a security breach, he should NOT have asked me for my PIN #. He said that he needed for me to input it into the phone because he was trying to help me. I went to enter it and had to instruct him NOT to look, turn his head as I was entering it ... suspect # 3. He also sent me on a wild-goose chase at a different branck. When I ultimately landed back at his branch, he stated that it was all a mis-communication. I think he 's part of a fraud ring at that branch. Issue # 3 ) The branch manager told me that it was someone close to me in my inner-circle. When I asked her how she knew, she went silent ... suspect # 4.
Ive filed a complaint before : # XXXX XXXX XXXX XXXX continues to harass me and my family by sending me notices of debt collections. This company has sued me and has tried to garnish my paychecks from my employer. Theyve had attorney offices call me and tell me I owe them money. Theyve recently sent me a letter and have increased a debt I do not owe. Its ridiculous!!!! I had to file with you the CFPB just to stop them from garnishing my pay. I believe my previous case file was even sent to the Federal Trade Commision. Ive notarized countless documents to this company and they still continue to harass
Re : Hard Inquiry/Unverified on my behave.

I recently checked my credit reports : Experian, XXXX, XXXX.

I have one Hard Inquiry made by Company : XXXX XXXX On XX/XX/2017.

Credit Unions XXXX XXXX XXXX   XXXX, CA XXXX  ( XXXX ) XXXX I have called Credit Unions at XXXX XXXX in several occasions left messages for the Supervisor to return the call, regarding this matter.NO returned calls.I also contacted Experian , XXXX , XXXX with no updates yet.
Unverified late payments listed on my XXXX XXXX Student loan - I was still in school and payments should have been deferred but the loan was sold. I was not late! I was in school!!
What happened? 
Dear Sir /Madam My name is XXXX XXXX XXXX XXXX based in  XXXX , XXXX Citizen, Father of XXXX XXXX ( XXXX ), who was a XXXX at XXXX University , XXXX , ( year XX/XX/XXXXto XX/XX/XXXX ). I am a XXXX XXXX ( now retired ) worked for XXXX .XXXX for forty years. Salle Mae gave XXXX a loan of {$210000.00} in the year XXXX and of which {$200000.00} has been already paid off without any break for the last 9 years. But Navient which took over from Salle Mae is still demanding XXXX more ( presumably interest- simple mathematics ) which is too much to pay after settling the capital almost. Secondly our guarantor Mr. XXXX XXXX, US citizen based in XXXX, should be released from his role as a co-signer, otherwise, his daughter will not get a student loan to go to university this XXXX and her future carrier will be in jeopardy. As per Salle Mae, if a client has made 12 payments uninterrupted, we could request the co-signer to be removed from the contract. We made multiples of 12 uninterrupted payments over the last 9 years. Since we took the loan in XXXX now the whole family financial situation has completely changed. Though XXXX qualified from XXXX in XXXX she could not find a suitable job in the USA to pay off her student loan. She was very disappointed and came back to the XXXX and could not get a job in the XXXX either. Last XXXX She got married in XXXX and settled there. She has found a suitable job in XXXX but the salary will not be enough to pay off the student loan and also consider the exchange rate.in XXXX Rupees As for me I am retired from my job as a XXXX in XXXX on XX/XX/XXXX and is a pensioner and I am still paying her loan with great difficulty. I feel now that since I retired my income has gone down considerably land I am solely depending on my pension only. Besides my wife is very ill with XXXX and on XXXX and I look after her 24/7 alone. I want the monthly payment amount reduced considerably.
I received several alerts from my credit monitoring service of new inquiries on my credit report. These inquiries were all from funding loan services. I did not initiate these inquiries.
I just check my statement and realize my balance is over {$1000.00} for a credit whose limit is {$630.00}. The last time I check the balance was 16 months ago and the balance was {$400.00} ish. I make my payment every month. From start, they have been charging me interest even though they said I have 24 months with no interest and after I realized they charge me more {$500.00} on extra fees, I called the customer service and they said they charge me 50 % of what the balance is. I don't get it. This is not alright.
I have written to Bank of America at least XXXX times pointing out that they are inaccurately reporting information on my credit report. They have not responded or made the necessary changes as required by FCRA. My last letter were dated XXXX XXXX, 2015 which is attached together with a copy of the credit report excerpt showing:1 ) that this mortgage was paid off for less than full amount2 ) I have been 120 past due for the last 2 yrsNone of the above is true especially when you note that they are reporting a closed loan with a 0 balance. This reporting can not be 100 % accurate as required by FCRA.. I do n't understand how they can avoid compliance with the law. I need your help. This inaccurate reporting and failure to rectify this matter despite my many prior letters requesting is hurting my credit and negatively affecting my ability to get a new home loan.
DISPUTED FRAUD CHARGES- {$380.00} I notified PayPal several months ago that there were fraudulent charges from merchant XXXX. These charges were not placed by me nor did I ever receive any merchandise at any point from the merchant. I requested that my account be closed due to being compromised & requested new account but no actions were taken to have these charges removed or even secure my account in anyway. When I contacted XXXX I was informed to contact paypal to dispute.Im very frustrated that im still having to deal with this issue .I have sent letters in having this corrected & amount removed from my account but cant get a response.
The Company, Nationstar dba Mr Cooper, offered me a trial modification in XX/XX/XXXX. 

I accepted and made my first of three payments by phone of {$540.00} in XX/XX/XXXXeven though it wasn't due until XXXX. My second payment due in XXXX was paid on XX/XX/XXXX on-line. I have proof of the cashed check from my bank statement and it posted on XX/XX/XXXX. 

Mr. Cooper couldn't locate the payment when I called to make the third and final payment and told me the modification had been canceled. After several phone calls they said they still couldn't locate the XXXX payment and the house was in foreclosure. 

On XX/XX/XXXX, after speaking to the Resolutions Department I faxed the Research Dept. ( fax XXXX ) a copy of the bank statement that showed a payment was made in XXXX in the amount of {$650.00}. The amount is higher because that was the only payment the on-line system would take. 

Today is XX/XX/XXXXand I have still not heard from Mr. Cooper.
My lender told me i was approved on my home loan 2 weeks before the closing was scheduled so my lawyer did not renew the contingency contract since we believed we were approved. The lender moved the closing dates 2-3x & then finally, 2 days before the closing date he told us that our loan got disapproved & that he will restructure & he convinced me to pay higher rate because i was disapproved from the FHA loan we were trying to apply. So now the earnest money i invested worth {$3000.00} i was n't able to get back since we did not renew the contingency contract believing that our loan was approved. Only to be dismayed to know that he was trying to let us pay for higher amount & mislead us that our loan was approved in the first place.
We have a GM Card serviced by Capital One. Our last payment due date was XX/XX/XXXX. We set up a payment in full on our XXXX XXXX bill pay for XX/XX/XXXX, and according to bill pay, the payment was mailed in time to be received XX/XX/XXXX. We noticed that the payment had not been taken from our checking account as of the XX/XX/XXXX, logged in to Capital One on XX/XX/XXXX, and saw that a late fee had been charged. We called Capital One on XX/XX/XXXX, and they told us they had not received our payment. We talked to a supervisor, and she suggested that we should make sure our payment is received 5 to 7 days before the due date. That was her only advice. She did reverse the late fee. On XX/XX/XXXX, we received an email from Capital One that they still had not received our payment. As of XX/XX/XXXX, they have charged interest on the account balance. We called XXXX XXXX, which is our checking account, the evening of XX/XX/XXXX, and they asked us if the address had changed. We looked at our statement, and sure enough, the address had changed. XXXX XXXX put a stop payment on the check, and we went on XXXX XXXXs website to make the payment. It processed on XX/XX/XXXX. There is no notice anywhere on the statement to make it obvious that the address is different, and since we use bill pay, we didnt notice the change. We have had a GM Card for almost 30 years, and this is the first time in all that time that the address has changed, and I would call that a big deal. So our complaint is that, 1 ) there should have been a big notice on the bill that the address is different, and 2 ) when we called Capital One, that should have been the first thing they said, hey, weve got a new address. 
We had a similar issue with them last XX/XX/XXXX. Two months in a row, we called Capital One because they had not processed our payment on time and slapped us with a late fee. They had issued us new cards because of fraudulent activity, and we forgot to update our account number in bill pay. They could have nicely said, hey, update your credit card number in bill pay, but they didnt. It wasnt until we filed a complaint with you, and they filed their response, that we saw our mistake. I dont think they would have ever said anything to us about what was causing the problem if we hadnt filed the complaint. 
They dont try to help solve the problem. We cant help but feel that they dont want to point out our errors, so they can collect late fees and interest on their customers. 
We have credit cards with several companies, and this is the only company that we have ever had issues with. And I would also add that until Capital One took over the GM Card, we never had a problem with this card either.