WillisBack/dataset-financial-user-claim huggingface dataset:
I filed a complaint a couple of weeks ago. Seterus, Inc responded. Not all the info provided by the Seterus associate was correct. Obviously all the recordings were not listened to. At a fault of my on, I said the month of XXXX ... maybe all this began in XXXX. But that's ok. My main concern about their response was the associate responded about the removal of my 1st Sale date was because of the amount of homes in foreclosure. There were simply too many foreclosures so they changed my date to a later one. When in fact, if he would listen to the recordings the young lady told me Seterus, Inc. removed the date ( with no future sale date ) to help me out. She said she wanted me to send in additional information and to be more persistent with my involvement. She said I wasn't calling in enough to check on my status and to make sure all paperwork had been received and that they didn't need anything else. I had explained to her I always scared to call b/c I am scared of being told no. She said to call anyway. It will show that I am determined. So I did. I called frequently. Obviously, by the sound of this Seterus, Inc. was going to work with me. If Seterus says this conversation did not happen they are lying. This phone call happened after they removed the 1st sale date. 
Also, one of the modifications was a principal change. 
Look at the reasons for the modifications. They are very legit and there was no way around them. Natural disasters are a terrible thing. 
Also, I would like to request to hear the recording of the lady telling me the date was moved by Seterus, Inc. to assist me.
The collector said that, " You people fought for your rights XXXX. '' people meaning XXXX people. I told him to send me everything in writing and he said, " I 'm not going to write you, I 'm not your pen pal. '' He has called my wife at her place of work and was verbally aggressive. 
This has nothing to do with her. She has also advised him not to call her anymore.
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX Inquiry Date XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX/XXXX Inquiry Date XX/XX/XXXX Jewelers XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Mortgage Reporters XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Mortgage Reporters XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Date XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Other Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Hi, i have been making several attempts with Transunion and their reps to remove several negative inquiries on my report, Transunion customer service has refused to help in the removal of these negative fraudulent inquiries. I have listed the inquiries that i have been trying to get removed 1. XXXX XXXX XXXX 2. XXXX XXXX 3.  XXXXXXXX 4. XXXX XXXX 5.XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX I have made several attempts with Transunion and the creditors to get these fraudulent inquiries removed please help
I have a credit card and and an unsecured loan with WF. My payments are {$500.00} plus on one and $ 200plus on the other. I have asked WF to consolidate these loans so that I can reduce my payments. My payments are on draft so I have never been late. WF underwriters keep telling me they can not do this. With consolidation I can have a lower payment each month and your loan is paid off. I am so sick of asking WF TO HELP ME, instead of their bottom dollar. There is no loss to you or me. It just helps me which I thought WF would try and help their customers. For so long I tried to get a refinance on my mortgage, which my local bank said was not authorized by your underwriters. I took a job in Florida and guess what they had no problem helping me out and refinanced my loan. I am being forced to seek help from the banking regulators just have a loan consolidation which is ridiculous. BEFORE I DO THIS ... .PLEASE HELP ME! I have my mortgage with you, I owe {$160.00} plus..but the market place in our country club says it s worth XXXX, but can not get an equity loan with you! PLEASE LOOK INTO THIS!
I was shocked when I reviewed my credit report and found late payments on my credit report which I thought it was already taken care of. I personally called XXXX and spoke to different departments in regards to the error that was placed on my credit. They specifically told me that they will submit a request for credit reporting correction, and it still reports as an error. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
These accounts have been consolidated in XX/XX/XXXX. At no time was I contacted in writing by Texas XXXX XXXX XXXX XXXX about my multiple accounts being delinquent or sent to collections. Texas is currently reporting this as a collection account. This is not only inaccurate, but it is placing my military clearance in jeopardy. 

XXXX XXXX XXXX is reporting multiple accounts as XXXX days past due, all having a zero balance, and all in excess of XXXX years old. At no time, have I ever had any written correspondence from XXXX XXXX XXXX indicating I had past due loans. I did not even know I had loans with XXXX XXXX XXXX. 

XXXX XXXX is also reporting that I had student loan accounts with them in excess of XXXX days past due, many of which are greater than XXXX years old. At no time did I ever had any written correspondence from XXXX XXXX indicating I had past due loans. 

Another student loan creditor, XXXX/XXXX XXXX XXXX, is also reporting multiple loans as XXXX days past due and these loans are older than XXXX years. 

The United States Department XXXX XXXX is also reporting XXXX old student loan accounts as payment after charge off/collection. Most of those loans, if not all, are in excess of XXXX years old.
On XX/XX/XXXX vehicle was Repossessed with out a right to cure letter. XX/XX/XXXX spoke to a representative over the phone advises to pay online witch was a balance of {$1700.00} witch was what was showing ( screen shot was taken ). When looking at bank statement they charged {$2000.00} witch was not aurhorized. When calling back they said they dont know how it happend and dont want to credit back the difference.
I am attempting to purchase a home, and each time a lender checks my credit report, my score goes down. This is an unfair, fraudulent practice that punished people for doing their research and shopping for the best possible rates and loans. Credit reporting agencies should not be allowed to punish me for asking to view/share my credit report.
I am complaining about my key advantage checking account from Key Bank. I used a promotion code of {$300.00} bonus for opening this checking account and do not get the bonus. 
The {$300.00} bonus required {$1000.00} direct deposit and 5 online bill payments within 60 days from account open date. I met all the requirements, but Key Bank said I did not. The bank said my account open date is XXXX/XXXX/2015 and I met the requirements on XXXX/XXXX/2015 so I did not met the requirements within 60 days from account opening date, which I think is ridiculous. 
I did applied this account online on XXXX/XXXX/2015. But after submitting the application, I was told that the account was unable to be opened online and I had to open this account in a branch. 
Then I went to a KeyBank branch on XXXX/XXXX/2015, opened the account in branch. I made an initial deposit of {$50.00} which was posted on XXXX/XXXX/2015. 
I made the {$1000.00} direct deposit on XXXX/XXXX/2015. I made five online bill payments on XXXX/XXXX/2015 which are posted on XXXX/XXXX/2015. I definitely met the requirements within 60 days from my account open date XXXX/XXXX/2015!!!!! 
I went to a branch ( locating on XXXX XXXX XXXX, XXXX, OH XXXX ) on XXXX/XXXX/2015 to ask about my {$300.00} bonus. I was told I did not met the requirements since the account open date in their system is XXXX/XXXX/2015 and I should completed requirements before XXXX/XXXX/2015. It is ridiculous! My application was rejected on XXXX/XXXX/2015 online, I opened my account in a branch on XXXX/XXXX/2015.
I submitted the {$2.00} or {$3.00} required by the XXXX XXXX online and have a printed receipt from last XX/XX/XXXX or XX/XX/XXXX. The credit reports from Experian and XXXX indicate I am on the opt out list until the end of XX/XX/XXXX. I sent a letter with proof of payment above and copies of the opt out prescreen and XXXX XXXX letters and I don't want any marketing or use of my reports for anymore junk mail from the credit bureaus. They need to update my legal request and I should not have to prove to them again of my opt out prescreen choices or XXXX XXXX that I paid to have my name removed for 10 years! Please follow up with them for everyone who pays to stop junk mail. Thank you! 

2. After all these years, XXXX has my wrong birthdate year. I sent them proof last month, clearly stated on driver 's license and they list it wrong. I am sending proof again XX/XX/XXXX. Fix this immediately please!
After I did modification my first loan in XXXX, my second loan remained same 11.5 %. It was difficult to pay. Every 6 months the landers were change and made me difficult to make deal with them. 
And on XXXX, XXXX the new lander XXXX XXXX of my second loan, sold the property as a foreclosure house an auction to somebody else, who evicted me from my propertys even if I paying my first loan. Before they sold the house many times I contacted to my first lander and explained the problem. But they did not even try to help me. After I left the house I stopped paying my first mortgage. Now they are keep sending the letters thats my responsibility to pay. 
Im confused.
XXXX XXXX, 2017 : In an attempt to pay off this loan with assistance from a family member, I called to get my balance. It was quoted as {$8300.00}. I questioned the balance because I am being garnished for this debt. I was advised by XXXX XXXX of GC Services that I could see my debt and payments by going to www.myeddebt.ed.gov I had NO knowledge of this site before being given this information. Upon going to that site, my report indicated the balance as {$6400.00}. A payment of {$6400.00} was made. There was still an unposted garnishment payment. I was then told there was a balance of {$1100.00}. That amount was then paid. Another payment was made. It seems their " collection costs '' have amounted to over {$2000.00} on this balance. It never gets smaller. Every day they add fees and charges on claiming 'THIS IS YOUR DEBT AND FEES ARE CHARGED DAILY UNTIL IT IS PAID IN FULL. '' There is no way to get to {$0.00} with this company. The stress has affected my health. Prior to going into garnishment I was making small payments until a medical situation caused me to go into default. I submitted documentation to this company more than 4 times via certified mail. Every time I submitted something, they wanted something else. Then they decided to serve a garnishment. The more I asked how much do they charge in collection fees, the more they blew me off. I was told their fees are NOT included in my report of payments received yet they sent me the same info with nothing indicating they charge a separate fee and the percentage of that fee. I need these people out my life asap. The Dept. of Ed. needs to look into the companies they are using as servicing agents and the amount they are charging consumers. It 's no wonder people remain unemployed and do not become home owners. The fear is there! I feel their collection tactics are unacceptable as is the amount they are charging to collect these debts.
I requested that Portfolio Recovery ( PRA ) disclosed the date of last activity on the account from the Original creditor. The PRA can only report the account 7 years from the date of last activity. PRA have exceeded the statute of limitation in my state. I am simply asking the PRA method of verification as how PRA is determining the date of last activity. I am request the last day of PRA credit reporting as determined by FCRA. PRA wil not disclose or validate the date of last activity. I want to settle this account if is completely validated. I am a disable on a fixed income.
I am an international XXXX  student at XXXX university. I opened abank account in PNC bank, XXXX, Al in begining of XX/XX/2018, i used the bank depit card for buying some stuff online and paying in super markets correctly. At the beginig of XX/XX/2018 the pnc bank told me that was closed without showing any reasons. I didn't get my monyback till now. I tried to open an account in XXXX XXXX  and applied online for a deposit account, i recieved a message from the bank that my request was rejected due to a report from a Consumer Reporting Agency which is : XXXX  XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX, XXXX, GA XXXX ). 
I tried to get what is inside this report but i couldn't. 
The problem now that i want to know what is wrong with me and also i have to open a bank account to recieve my salary on it.
I have made  2 att empts with this company to try and settle this outrageous loan. They deny to help or settle in anyway. I sent them a hardship letter pleading to settle this debt as I can no longer make the full payments as being in hardship and a single mother of  XXXX  now. They would rather me not pay and it go into collections than try to b e CIVIL  in this matter. This company should be shut down as it prays on poor desperate people who either have no choice at time or do not understand. They are rude and very unprofessional! I feel they have very bad business practice, and I feel there should be a law against these kinds of companies! I made a very good offer to pay the EXACT amount I was lent no more no less. But again they would rather not be paid and hurt me and others more by not helping in anyway! At least I have 2 times now tried to settle this, now I 'm almost 2 months behind on this loan after NEVER being late once! Horrible I burrowed {$5400.00} have pain back {$2200.00} and they show I still owe {$5100.00}? so out of {$2200.00} worth of my money I paid them, they are showing I still owe {$5100.00}? NUTS!! So meaning only {$340.00} of {$2200.00} has gone to my principal! JUST SICKNING! I am willing to go to the news or court to file a complaint against this company and help warn other people!    Desired Resolution : Billing Adjustment Desired Outcome
They called someone who I am related to and told them about my debt and how much I owe. They stated that if I dont pay then other actions would be taken.
XXXX XXXX- XXXX  is reporting an erroneous balance, continuously updating monthly and damaging my credit. 
I settled and paid this debt in XX/XX/2018 for half of the balance, yet they continue to update and report a balance. I have contacted my attorney and and prepared to file legal action.
I was a Discover holder from XX/XX/XXXX to XX/XX/XXXX. For those XXXX years, I was never delinquent with or missed a payment. Today, XX/XX/XXXX, I am trying to increase my credit score, so I 'm investigating my credit with the XXXX major credit companies, XXXX, XXXX, and XXXX. On all XXXX of my credit reports, Discover is still reported as open, which means my line of credit is larger than what it is and that line of credit has been dormant for over three years. Based on the recommendation of the credit bureau, I called Discover to either reissue a card or report the account as closed. Using my social security number, they can not pull up any information on me. They claim that they retain users history for seven years, but can not do anything to help because there is no account information related to my social security number. Not only will they refuse to report that there is no account information associated with me to the credit bureau, but they were extremely rude and disrespectful on the phone.
I am being held jointly responsible for a medical debt that the parent did not pay, after I brought their child to the doctor, and I should not be. PDQ is saying, when I checked the child in, I provided my name and signed a contractual agreement, which is the financial policy, and I am responsible for paying. I agree that I did sign my name to the contract, but that contract is the attached financial policy. The language of this agreement, in the payment of services section states I should not be held financially responsible, since I am not the custodial parent. Please see that the financial policy I agreed to states only the Custodial Parent is held responsible for any unpaid balances. At the time of the visit, before, and after ; I have never been the custodial parent of the child who 's services went unpaid. There is another attachment that can be referenced to verify who the custodial parent is. That would be XXXX XXXX, the joint account holder, and only person who should be responsible for this debt. 

PDQ will be referencing forms that were filled out at the time the child was checked in, including the attached financial policy they provided to me. The contractual agreement I signed is the financial policy of the merchant, XXXX XXXX XXXX ( see attached - financial policy : payment of services section - also posted on merchant 's website and in the office ). They will also say that my driver 's license was provided. This is because I acted in lieu of the actual father ( see attached - court legitimacy documents ). The forms that I signed can provide emergency contact information, but that is the extent of what is legally allowed. The only financial power the doctor 's office has over me is to refuse services for the child, not seek unpaid medical debts for somebody else 's child. If what I have said is not sufficient, the Parental Responsibility Laws of the State of Georgia exempt me from any legal financial responsibility. They only bind the custodial parent to their child 's medical financial responsibilities. The law states that only the custodial parent is financially responsible for anything related to their child, CUSTODIAL PARENT. PDQ and XXXX XXXX XXXX is breaking the law by holding somebody who is not the custodial parent responsible for this debt. Whether I claimed to be the father at XXXX XXXX XXXX or not, I was never the Custodial parent. Bottom line. It comes down to XXXX things. First, what was the financial policy that I agreed to at the time of service? Second, can an adult who brings somebody else 's child to a doctor, who is not the legal guardian or custodial parent, legally be held responsible if services go unpaid? XXXX items answer these questions : the parental responsibility laws in The State of Georgia, court legitimacy documents dated well before the doctor visit ( attached ), and the financial policy for XXXX XXXX XXXX ( attached ).
To Whom It May Concern : Unfortunately, in XXXX I submit my monthly payment on time. There was a ussue with my account some had acess my account and did some fraudulent charge I was refunded after the investigation I am asking to please removed that 30 late so that I may refinance the house so I can get a better rate It was an exceptionally busy time and my life as Recently, As you may know, XXXX scores are being used more and more in the selection of prospective job applicants. 
In light of my renewed focus and demonstrated commitment to rebuilding my trust with your company, I am requesting that you give me a second chance at a positive credit rating by revising the late payment ( s ) as reported on my XXXX major credit bureau files ( XXXX, XXXX, and XXXX ). I sincerely hope THE MONEY SOUR believes in their customers and I humbly request your consideration to allow me to pursue the career of my dreams. I appreciate your time and look forward to receiving a favorable decision from you department soon. 

XXXX SOC SEC # XXXX DOB XXXX XXXX, FL XXXX
Debt collector from Asset Recovery Solutions , LLC stated that his company represents a legal firm and that my debt was in pending litigation. I did state I 'm having financial difficulties. I am willing to establish a payment plan. However, he wanted me to pay NOW {$250.00} to secure the " payment '' agreement with a credit card. I told him I could n't do that. He suggested I borrow the money. The Debt collector stated that to get it out of litigation I would need to make a payment immediately that would put the debt back with him and not with the law firm. He told me I had a week and if I did n't make a payment before then it would go back to the lawyers.
Navient had been emailing about needing to consolidate my loans. In doing so, the income based payments were a huge amount of money I could never afford and I still do not even have an increase in pay from prior to graduation. I am still working on a new position now that I have my degree. Because I could not pay the insane amount requested, I was forced into a regular repayment plan. Now I will not be able to have my loans forgiven after I have been with my employer for 10 years. Extremely frustrating and no responses to emails for assistance.
Capital One closed my 360 checking account today stating according to their terms and conditions they can close my account whenever they want for whatever reason. However the timing seems interesting in that I have a {$400.00} sign up bonus for their PLUS400 checking account promotion due in the next few weeks and they close my account right before payout. That is absolutely sneaky of them as I have barely any activities on the account that should prompt closure, I did n't even have any transactions in the past few months. This is an absolute switch and bait and is totally unethical for them to do that. My money market account was affected too.
Transunion will not remove a paid collection debt that l had owe from XXXX XXXX., and affillated acceptance co.off my credit report. They told me that they would remove it. also so did so did XXXX XXXX. said they would remove it. after l pay it off.
My loans have always been deferred and I have never had to make a payment because of my income. I have always sent my paperwork in on time but they have reported to all 3 credit bureaus that I was 120 late in XX/XX/XXXX and XX/XX/XXXX for the exact same months. Other than that they have been in good standing and are now consolidated but the delinquency to no fault of my own is hurting my credit.I need to know why anything was done retroactive when paperwork was sent in correctly and on time. I want to know from the beginning of XXXX  taking over from XXXX XXXX when my loans were actually due each year for renewal of deferment etc.