WillisBack/dataset-financial-user-claim huggingface dataset:
I was a cosigner on my daughters student loans. The primary signer was XXXX ( my daughters mother ). Upon my daughters graduation, I was never notified of any amounts owed. The mail and delinquent notifications were being mailed to XXXX directly who lives in a different state. Unfortunately, XXXX and I do not have a good relationship and do not speak. We were never married but share a child together. I realized there was monies owed when the delinquency hit my credit. I am in real estate and monitor my credit through another agency. Maintaining good credit is crucial for my business. I reached out to XXXX notifying them that I had never received any mail or notifications. I paid off the loans in full ( approx. $ XXXX ). I would greatly appreciate if this situation could be investigated or can be taken off my credit report.
I disputed XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX with experian and they did not validate or provide any contract. i submitted a second dispute on XXXX 2017 and they sent me a letter basically stating that it was not relevant and they would not re dispute.
XXXX XXXX XXXX XXXX VIA XXXX  " XX/XX/XXXX/ XXXXXXXX " XXXX XXXX XXXX XXXX XXXX CA XXXX " XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX   XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX Experian and XXXX, I am writing to dispute the following information that appears on my XXXX  consumer report : Dispute 1 " XXXX XXXX XXXXXXXX Reporting 4 times 2 of them are duplicates.

" Student Loan " XX/XX/XXXX-XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX shows late payments, this is inaccurate. I am in deferment and I have the contract renewal from that year showing I was not late. The laon company made an error and provided me proof I was not at fault for this The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time.

I understand that under 15 U.S.C. Sec. 168i ( a ), you must complete the investigation within 30 days of this receipt of this request. Please send an updated copy of my credit report to the address above. I also request corrections be sent to any creditors who received my report in the last 6 months. Please also be aware that any negative mark found on my credit reports including XXXX from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must delete the entry.

Thank you for your assistance.

Sincerely, XXXX   XXXX
Transunion has failed on multiple occasions to properly conduct and investigate/re-investigate errors on my credit report over numerous attempts sent to them by certified mail. Specifically failure to correct incorrect and unverified information. As of XX/XX/2018 the following bellow unverified/re investigate requests have not been properly made by Transunion XXXX XXXX This account was paid through XXXX XXXX   the previous bank that owned the account. I have asked the creditor and the credit bureau to provide physical proof of this debt on numerous occasions and they have failed to verify this information but continue to report it as unpaid and charged offed despite it being unverified. None of my on time payments are showing on this account. 

XXXX XXXX XXXX The payments on this account have been changed over and over. It had showed payments on time after disputed and then it changed again to show negative payment history. The reporting has been inconsistent over the several months that I have been trying to get in corrected. Each time Transunion says the account has been verified. Clearly it is unverified because the payment history changes every month. 

These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation. Transunion has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages. I demand that these specific and unverified information be corrected immediately!
I graduated school in   XX/XX/XXXX   I was under pressure to go school back in  XX/XX/XXXX . My mom and dad cosigned my loans. My mom was paying the interest on several of my loans while I was in school but the loans barely decreased. After coming out school she was paying what she could while I found a job. She  XXXX    XX/XX/XXXX   since then I have been unable to pay the amount asked which is over $ 1200/ month. Earlier in  XX/XX/XXXX  Navient threatened to sue and take me to court. Unless I made 3 consecutive payments at  XXXX / month. I was not told my account would automatically be debited. My dad helped me make a few payments which he barely even had. Since then they have been trying to take money out. I called in to complain one month where the automatically took money which was supposed to be used for rent I almost got evicted that month. I do n't make enough and I keep telling them that but they wo n't let me pay no less. My debt to income ratio is insane. They have harassed my phone several time which caused me to switch numbers several times they used to call my mom while she was at work she never included her work phone number on the application so we are unsure how they got it. They also call my dad who currently lives in  XXXX  consistently whenever a payment is missed. When we would make payments they were supposed to spread it across all loans but they would only do it on a couple and then harass us over the rest and we would have to call them and tell them it was supposed to be across all loans and then they would fix it. This happened several times which damaged mine and my fathers credit drastically.   XXXX   XXXX  /Navient has tarnished our credit so bad he is unable to refinance his house and is paying an outrageous amount on interest on his house. I ca n't even rent a new apartment at lower rent because I do n't qualify.
I have received a past due notice for XXXX dated XX/XX/XXXX. The postmark for this notice was XX/XX/XXXX. The payment was sent via cashiers check on XX/XX/XXXX. 
I have submitted several requests to this office to correct assessed fees to my mortgage account, I am told I must meet in person to discuss my issues. Under RESPA that is not a requirement. Fees were assessed to my annual mortgage account, however I have paid my mortgage on time for the last 26 months. I received an annual audit XX/XX/XXXX that assessed over XXXX to my account in which needed to be paid in ten days or my mortgage would go up. 
On XX/XX/XXXX this Office sent me to foreclosure over a held payment because I did not walk my payment in, rather sent it from my bank. I requested notice of cured debt twice only for this office and their attorney to ignore it. On XX/XX/XXXX I reported this office the Texas Attorney General after they repeatedly reported my mortgage in default 90 days until XX/XX/XXXX when it was abruptly removed after my complaint. 
I am requesting corrections to my mortgage account as well as an itemized statement showing payments to escrow, HOA fees and principal payments, not a summary.
On XX/XX/2018, a purchase was made with an out of state address. I notified the company within the hour of the purchase. They refused to cancel the order and refused to file fraud. The order number is Order # XXXX. The supervisor I spoke with is XXXX XXXX ( employee number XXXX ). The purchase amount is {$230.00}.
Please Compare the Escrow Statement dated XXXX to the Escrow Statement dated XXXX - as well as the XXXX Billing. You will see three different monthly payments, wildly altered Escrow statements and fraudulent late fees being charged, but they not applied. 

1. Increasing escrow monthly payments based upon erroneous and fraudulent projections totally XXXX per year when escrow expenses historically for 10 year old mortgage avg. XXXX year. 
2. Refusing to re-figure escrow analysis and projections. 
3. Charging late fee 's but refusing to apply late fees to monthly mortgage payment, resulting in classifying said monthly payment as not yet satisfied. 
4. Hanging up when asking to speak to supervisor. 
5. Fraudulently and willfully omitting previous years escrow account balance in year end statement, thereby creating justification for escrow projections of double for current year ( i.e. Escrow account had XXXX balance, Carrington said it was XXXX, and therefor projected I needed XXXX more over the next year in escrow on top of the already XXXX my monthly payment included. ) 6. Reporting to credit agencies mortgage is 2 months or less behind when in fact the payments were made on the XXXX of the month it was due - fair credit reporting act violations. 
7. Willfully and knowingly lying to me that the FHA does not allow a homeowner to cancel the MIP portion of the loan. This is blatantly false. When confronted and forced to address the written law of FHA MIP requirements Carrington refuses to release the amortization schedule that they use to figure when my loan will be at 78 % equity. 
8. Willfully and knowingly refusing to release a current escrow analysis statement explaining why my monthly mortgage payment has more than doubled in the 9 months since they purchased my loan from XXXX.
On XX/XX/2018 I received a call from my step son stating that there had been a complaint filed against me and I needed to call XXXX I called that # and as given a case # XXXX and was told to call XXXX XXXX XXXX XXXX XXXX AKA XXXX XXXX XXXX XXXX at that time I spoke with a person by the name of XXXX had he stated he was calling on behalf of Discover and that I had a outstanding balance of XXXX and I could clear this up right now for XXXX and he stated that I was mailed this in 60 days ago I told him that I never received it he sated he would resend in, I explained to him that I was on vacation and would like to get home ( XX/XX/18 ) and look into this and he stated no that it had to be resolved right now or further legal action would be taken against me he stated what he could do as a payment arrangement of XXXX for 25 months and the first payment had to be made right than. I did make that payment When I got home on XX/XX/XXXX I did call Discover at XXXX and spoke with Lea and she stated there was no outstanding debt. I than called XXXX XXXX XXXX XXXX and ask for the paperwork be emailed to me and the lady I talked to stated she would email it, what they emailed was a bill .. So I called back and spoke to XXXX and he stated they couldnt resend it out.
I have a mortgage with Nation Star Mortgage. They took over my loan from XXXX XXXX XXXX XX/XX/XXXX. I have never received a mortgage statement from them for the entire period of XX/XX/XXXX - XX/XX/XXXX XXXX. The XXXX mortgage statement was sent for XX/XX/XXXX. ( Please See Attached ) Nation Star Mortgage never sent me anything advising me that my interest rate was going to rise and go higher. The only way that I found out that information was when I received the XXXX mortgage statement which came as a complete shock to me. My mortgage payment jumped from being {$1100.00} with 4 % interest to {$2500.00} with an 8 % interest rate. The mortgage rate is set to change again as of XX/XX/XXXX. I found out this information by reading the XXXX mortgage statement. My original mortgage from when I first purchased my home did not include them keeping an escrow account for my property. I was responsible for paying my property taxes and my homeowners insurance without it being calculated in my mortgage. Now they want to keep an escrow account in my monthly mortgage payment. I have never received my annual mortgage tax document which tells you the interest to file for your yearly income taxes. The only way that found out this information was by calling in to Nation Star and speaking with someone verbally and they advised me the amount to claim verbally over the phone. But I never once have received anything in writing. I never received any documentation advising me that I was making partial payments toward my mortgage. I have never received any documentation regarding the funds and how they were being distributed that were being held in the mortgage escrow account or for my mortgage account with them period. I would like to stay in my home and keep my home with knowing that I will be able to afford the payment without being put out on the street because of some fraudulent mortgage company who wants to operate by their own rules and regulations. They are not operating on the government set rules and regulations as far as being a mortgage company and dealing with the public. Please Help ....
Violation of Fair Credit Reporting Act. Re-aged Voluntary Surrender from XX/XX/XXXX to XX/XX/XXXX. 

Contacted Vanderbilt Mortgage on XX/XX/XXXX to settle mobile home mortgage collection account that was a voluntary surrender in XX/XX/XXXX. Spoke to XXXX. 

Balance due : {$5000.00}. 

Agreed to settle for {$1200.00} within 90 days with remaining balance to be forgiven. 
Made the following payments via www.vmf.com online payment system : XX/XX/XXXX {$250.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$350.00} XX/XX/XXXX {$350.00} Settlement paid in full in 37 days. 

Credit Bureau payment submissions by Vanderbilt Mortgage ( XXXX ) :  XX/XX/XXXX - Voluntary Surrender ( XX/XX/XXXX ) - Collection Account - Balance {$5000.00}. 

XX/XX/XXXX - Voluntary Surrender ( XX/XX/XXXX ) - Balance {$4400.00}. 

XX/XX/XXXX - Voluntary Surrender ( XX/XX/XXXX ) /Account Paid for less than full balance/Account Paid in Full, was a voluntary surrender - Payment " OK '' ( XX/XX/XXXX ) Balance {$0.00}. 

( XX/XX/XXXX - Spoke to XXXX concerning XXXX not being updated with a {$0.00} balance. He was rude with me and told me to " take it up the the credit bureau. '' I filed a dispute with XXXX  the same day due to Vanderbilt Mortgage failing to update balance on credit file. ) XX/XX/XXXX - Voluntary Surrender ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) **XX/XX/XXXX Voluntary Surrender payment history deleted** - Account paid for less than full balance/Account paid in full, was a voluntary surrender - Balance {$0.00}.
I am a victim of Identity theft and XXXX, Equifax, and XXXX is reporting information that does not belong to me.In addition, they have not responded to my request for deletion sent via certified mail recieved by them XX/XX/2018 and XX/XX/2018.
My XXXX XXXX XXXX XXXX credit/debit card # : XXXX is lost/stolen. All of the transactions are fraudulent and unauthorized.
Our new loan servicer has arbitrarily altered the terms of our HAMP Loan Modification by failing to accurately report our deferred interest which is a fundamental part of the written contract between us and our prior loan owner XXXX.
Hi, my servicer MR. COOPER will be violating my California Home Owners Bill of Rights and other laws and are making fraudulent foreclosure sale on my property if they proceed. 
I have mailed in a complete Request for Mortgage Assistance package with everything that MR. COOPER needs and requests to have deemed a completed package. 
Friday MR. COOPER representative advised that they have received a completed packet and it went to the underwriters on XXXX/XXXX/XXXX for review. 
Also they have not yet removed the foreclosure sale date which is scheduled for XXXX/XXXX/XXXX while the review is in process. 
MR. COOPER is saying that there is no sale date and the sale is placed on Hold but when calling and looking online it shows its still scheduled for XXXX XXXX, 2017. 

They will clearly be in violation of the California Homeowners Bill of Rights and other laws as well.
On or about X/XX/2016 USAA Savings Bank incorrectly reported me to XXXX XXXX XXXX that USAA closed my checking account for cause. This is wrong. I closed the account due to lost checks. USAA did not suffer any monetary losses. I demand that this be removed from my XXXX XXXX report. Thank you.
XXXX has wrongly stated that I had a late payment in a long perfect payment history with Auto Pay system. I had a prior vehicle to my present XX/XX/XXXX vehicle so my payment practices are crystal clear. As you will see that upon my acquisition of a XX/XX/XXXX the XXXX and XXXX payments were made and XXXX says XXXX was late - how ( again on Auto Pay ). Every month from XXXX XXXX until present - perfect on Auto Pay. 
I contacted Experian to lodge a complaint and I contacted XXXX personally. The XXXX basically read off his computer screen and could not explain further than that is what the file screen told him, useless! Today XX/XX/XXXX I contacted Experian back to question the non-change in my report - their answer to me was - we sent the inquiry to XXXX and they sent it back so that is it - again useless. I have attached 6 pages with explanation about what happened in actuality. Thank You in advance for your help and guidance. 

XXXX XXXX
Transunion is reporting XXXX XXXX three times on my credit report which is against FCRA. This account belongs to XXXX XXXX not XXXX XXXX and has been on my credit report since 2007 and not only did I not sign for this account, I never paid on this account and this account has been on my credit report almost 10 years and Transunion has the same XXXX account three times. XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX all all XXXX are the same account and that is against FCRA. Also, is attached a copy of XXXX application page with a signature, if XXXX XXXX compares it with my mortgage document which is attached, from my resident XXXX XXXX XXXX, XXXX XXXX, you cn see this is not my signature. Also, I attached m property tax document which shows the date I moved into my current residence,XXXX. Between the XXXX residences, it has exceeded 15 years and was not residing at the address on XXXX XXXX application. I have never signed, received documents from this organization or paid on this account. Please remove these frauduelent accounts from my credit report immediately.
XXXX XXXX, 2017 State Collection Agency placed a debt collection on my credit report in the amount of {$420.00}. I have requested validation of said debt and have only received a bill. The bill does not prove that the debt is owed. I do not have a written contract with State Collection Agency. I have not been provided a contract between them and the original credits for collection authority.
Payment never late. The amount paid was incorrect by a few dollars, because of an error when paying. I was out of town and my wife made the payment ; she accidentally made the payment for a nominal amount lower than what was due. 
When the error was discovered, it was corrected immediately. Never late before or since. 
GAAP and SEC rules state that Capital One can correct this, just as I did upon learning the amount was wrong, and update my credit report to say never late.
I have a subscription with Equifax, I currently pay {$17.00} per month to be able to pull the score and report. I actively pull the report and score because Equifax has caused serious issues with my report. In the past I have complained because they split my report into and it was XXXX to get it back together. When I complained about the report being split they blamed me, which is bizarre since it should be them controlling their software. So now I check my score and report often. Friday went to pull my report XXXX XXXX 2017.. it showed an error message. I repeatedly called and asked them to resolve the issue. First they started to blame me and said it was my fault I pulled my score too often. Yet that is the actual product they advertise. It stated pull your credit score and report daily. You 're supposed to get a daily update, if you choose to. If that was the problem why would you advertise that? Is my firm belief that they have some serious offer issues. And that perhaps they need is serious upgrade. I 've not been offered quick resolution, nor have they agreed to reimburse me for the almost week and I 've been able to use the service. Sadly with Equifax my score changes radically and constantly. I 'm in the middle of a mortgage process and that is unacceptable. I 've done my due diligence to clean my credit report from any discrepancies and to make sure that I have good credit habits. It is my right, to have FAIR reporting. Why does Equifax seem to have such a hard time doing their job? Every customer care person I speak to you seems to have a different story as to what the problem is and why it 's happening. Last person tryied to get me to upgrade my subscription! He wanted a credit card number, really?! It already is n't working why would I pay you more. I expect it fixed quickly and I expect a refund for the time when I was in able to use the product! I 'm not expecting a lot from this complaint because in the past you have n't done a thing. hopefully you actually demand some sort of response and accountability. I 'm disappointed, because like we do n't have anyone protecting us. Unless we become litigious. Which I prefer not to do.
I opened a Citigold checking account in XXXX XXXX because I had received a promotion from CITI to receive XXXX bonus Aadvantage miles after completing certain requirements which I met back in XX/XX/XXXX. I contacted Citi in XX/XX/XXXX to confirm the offer and was advised I did have the offer on my account. The offer required the use of their bill pay service for 2 months and at least {$1000.00} in purchases on my debit card which I completed XX/XX/XXXX. 

I then reached out to Citi on XXXX XXXX and was advised ( see attached conversation w/ customer service online ) that I had met the requirements and confirmed in writing that I would receive the XXXX bonus miles w/in 90 days. 

XXXX XXXX, I had still not received the miles and so I reached out to Citi ( see attached email letter from Citi ) and was advised that once again Citi agreed that I had met the requirements for the offer and that I would have the miles by XXXX/XXXX/XXXX. 

The miles never posted to my account and XX/XX/XXXX I was advised that I need to wait another 30 days for the posting. I then recontacted Citi XXXX XXXX when the miles still did not show up in my account. 

I have now received a letter from Citi stating that I never had the offer on my account in the first place and that they will not honor it. I had confirmation multiple times from Citi that this offer was on my account and that I had fulfilled the requirements of this offer. I have also been charged {$90.00} in monthly service fees since completing the offer even though Citi is not fulfilling their commitment.
WHILE BANKING WITH BANK OF AMERICA I ASKED TO SEE SIGNATURE CARD AND WAS DENIED. DISPUTING FRAUD THAT WAS DONE BY AN EMPLOYEE THE BANK FAILED TO RESOLVE ANY ISSUE INCLUDING THEM GIVING ME CHECKS WITH WRONG ROUTING NUMBER.
I have received XXXX calls over the last year concerning XXXX people who i am not associated with and do not know. Although I have asked these companies to STOP calling here and to remove my number from their records, they have not. They are continuing with this pursuit no matter what i do. I am also on the do not call list since 2013 ( XXXX ) I have reported these companies over and over again but the calls continue under different names ... sometimes private numbers all in pursuit of XXXX and XXXX. I need help to stop this invasion. I consider this Harrassment and want it to stop. I also want them penalized for the Harrassment and continues to this day. As a matter of fact today i got another call which i reported to do not call. My evidence lies in all the complaints over the last year to do not call You may contact them and check my story