WillisBack/dataset-financial-user-claim huggingface dataset:
On Transunion I only have one of the two XXXX entry because from some miracle I disputed them both 6 weeks ago and they took one off and not the other. I talked to XXXX and they said they sent an electronic message to Transunion stating the XXXX delinquency as XX/XX/XXXX. They said they sent this on XX/XX/XXXX. I sent a dispute attaching proof that the date of delinquency is XX/XX/XXXX therefore it should be off my credit report. Since then Transunion reported back to me they did there investigation even after I sent proof to them with what I attached from XXXX, they still have not fixed it and state that the date of delinquency is XX/XX/XXXX. I asked Transunion even having proof of the date of delinquency from XXXX you have not removed it from my credit report and they said XXXX says it is right XX/XX/XXXX date. I asked what is the point of sending proof they said to me even if your correct and you have proof from the creditor and the creditor still reports wrong we will always do what the creditor says. I said so proof doesn't matter right and he said in your case it does not matter. 

On XXXX I have two XXXX entry I talked to XXXX and they said they sent an electronic message to XXXX stating the XXXX delinquency as XX/XX/XXXX on both accounts. They said they sent this on XX/XX/XXXX. I sent a dispute attaching proof that the date of delinquency is XX/XX/XXXX therefore it should be off my credit report. Since then XXXX reported back to me they did there investigation even after I sent proof to them with what I attached from XXXX, they still have not fixed it and state that the date of delinquency is XX/XX/XXXX. I asked XXXX  even having proof of the date of delinquency from XXXX you have not removed it from my credit report and they said XXXX says it is right XX/XX/XXXX date. I asked what is the point of sending proof they said to me even if your correct and you have proof from the creditor and the creditor still reports wrong we will always do what the creditor says. I said so proof doesn't matter right and he said in your case it does not matter.
On average I have called them 4 times a month because Navient constantly kept taking out a payment from my bank but a week later it would be refunded with no record of a withdraw or refund and they would claim that I never paid it. Then my {$200.00} dollar payment would be {$1000.00}. 

On top of that they have constantly recorded information incorrectly. In XX/XX/2018, I had called 12 times because someone had typed in my account number wrong. 12 times they told me it was fixed. They lied everytime. They have even lied about their office hours and have given me fake phone numbers to contact them. They are despicable XXXX XXXX. They use illegal tactics and tons of fraudulently information and I want my loans transfered to another company. I have been put through a living XXXX with these XXXX XXXX. My own mothers credit score was hit with 100 points because they faled a missed payment. I am barely scraping by and these people deserve to be in jail.
I was a student of XXXX college in XX/XX/XXXX-XX/XX/XXXX and I was told that I had to take out a private loan to pay a part of my educate expenses and as told to use Genesis I had been making payments Genesis then I was told that my loans balance was switched to another company. Can I still get a credit from XXXX or the new company XXXX
I initiated a dispute with XXXX in late XX/XX/XXXX pertaining to a collection account that had been placed on my credit report from the collection company Action Revenue Recover. Action Revenue Recover placed two collection accounts on my XXXX credit report. One account amounting to {$66.00}, and the second account amounting to {$62.00}. I have not been contacted via phone or mail regarding these debts, therefore I have no knowledge of these accounts. Upon finalizing the initial dispute, XXXX responded with a copy of my credit report stating that the accounts in question were verified by the creditor. Action Revenue Recover did not provide any documents or evidence to verify the account, but instead XXXX kept these accounts on my report. I initiated another dispute to XXXX in XX/XX/XXXX asking again for proper validation of the debts, but instead of verifying the debts, XXXX reported the debts by responding with a copy of my credit report stating that the accounts in question were verified by the creditor. Again, Action Revenue Recover did not provide any documents or evidence to verify the accounts, but instead kept these accounts on my report. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from my XXXX credit report or provide me with physical proof, such as a signed legal binding contract of the debt. Your immediate response will be greatly appreciated.
XXXX XXXX XXXX has been contacted several times from my credit repair company re : a collection of {$110.00} that was opened XXXX, 2015. I have no knowledge of this collection and the original company ( XXXX ) could not furnish anything relating to this debt. The collection has been removed by XXXX and XXXX and while Equifax wo n't remove it, they also have not given me a reason as why they believe this collection is mine. This has been disputed several times and their only answer has been to not address it or remove it.
My complaint is about Refinancing a vehicle ( XXXX XXXX XXXX XXXX ) through PNC Bank, PNC bank then sent a check to XXXX XXXX for the pay off, however they sent the check to the wrong account. 
This leading to it effecting my credit drastically. 
I refinanced my vehicle XX/XX/XXXX. XXXX specialists name is XXXX XXXX. 
Address is PNC bank XXXX XXXX XXXX XXXX PA XXXX Since refinancing on XX/XX/2018 I have received XXXX billing statements from XXXX XXXX. The first bill was a general bill, ( when reviving the first general bill without late fees and charges I immediately reached out to XXXX XXXX. I then continued to receive bills from XXXX, the second and third bill both had late fee charges making my account passed due when all of this should have been paid off by PNC bank. 
XXXX XXXX is stating they are not at fault for my credit dropping because they can no longer locate the check PNC bank incorrectly sent out to the wrong account, which means PNC would be at fault for all the issues I am having since refinancing with PNC bank. 

XXXX XXXX was contacted again XX/XX/XXXX to inform him of the late payment notice from XXXX financial. 

On XX/XX/XXXX he replied stating he spoke with XXXX XXXX and stated nothing negative would happen to your credit XXXX. 

On XX/XX/XXXX you received the notice and I called PNC and spoke to XXXX in the escalation department. She stated she would get the loan and your credit XXXX corrected. Havent heard back from yet. 

It is now XX/XX/XXXX and I have received yet another bill from XXXX financial to bring it to a grand total of {$630.00} and my credit is still being effected. 

To date the loan is in default and impacting my credit XXXX despite the conflicting responses from PNC. 
Also noting that I have paid XXXX LOAN payments with PNC Bank since XX/XX/XXXX when refinancing my vehicle through them.
Wells Fargo Dealer Services in XXXX CA has reported incorrect late payment information on a vehicle my mother and I purchased. At the end of 2016 we refinanced the truck through our credit union XXXX. The same month the truck was paid off Wells Fargo said the payment was late. The credit union made the truck payoff before any late payment could even be assessed. I confirmed this with XXXX and with Wells but they have not responded to my inquires.
I have a hardship with my mortgage and my mortgage is with Citifinancial. They have dragged this process out for 10 months which is unacceptable. I reached out to a housing counseling agency in XXXX. My housing counselor has been working with me from XXXX to present. We are currently in mediation with this lender and just recent they denied for any home retention options. I have been wanting to reconcile my mortgage for months. I have good faith payment of XXXX to help get the mortgage back on track. We have even sent them a proposal but no response from lender. Just recent I got a call from the lender and the rep 's name was XXXX XXXX employ ID # XXXX XXXX OR XXXX. He told me they would accept an offer and to fax proposal to him. I called my housing counselor we faxed the proposal to XXXX and we have not heard from him in weeks and now we cant even locate him.
I have a car loan that is through Santander Consumer USA. Bought my car in XX/XX/2010 and the loan was sold to Santander. My original loan was for XXXX months. I 've now paid XXXX months and they still say I owe a balance and a miscellaneous fees. They can not tell me why I owe a balance or what it 's from. They will call at least 20 times a day under different numbers from XXXX am to XXXX. They have called a neighbor that lived on my neighborhood saying they were trying to get ahold of me. Have no idea how they got her number. Even though let them I 've made all of my patents I still owe money and they have listed my car as in collections on our credit.
Debt collector called my minor son and left threatening message regarding a debt I do n't owe.
I had a XXXX XXXX in XXXX and deemed XXXX in XX/XX/XXXXas a result of XXXX and XXXX. In XXXX of XXXX my then wife arranged to re-finance our home as we were falling behind financially due to my XXXX, she was given a loan in the amount of {$280000.00}. for a home valued at {$250000.00}. It was not until XXXX that I became aware of the re-finance which resulted in our divorce. 
The problem I have it that my wife was not working and had not worked prior to this re-finance and had no viable of repaying the loan, the home is currently in the process of foreclosure.
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX To WhomIt May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following inquiry needs to be removed immediately : Creditor Name : XXXX Inquiry from XX/XX/XXXX XXXX Card -XX/XX/XXXX XXXX  Card -XX/XX/XXXX XXXX XXXX   XX/XX/2019 I would like to be provided proof I consented to these inquires via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
My mortgage is with Bank Of America. I requested a mortgage modification several months ago to bring my mortgage current. My modification being processed and there is a property foreclosure sale date set for XXXX XXXX. I received correspondence from the Foreclosure attorney stating the property foreclosure sale date. I have done some research pertaining to the foreclosure statue for Tennessee. XXXX Tennessee Code Annotated T. C.A. 35-5-107 & 35-5-106 states the homeowner is to receive by mail 30 day notice prior to the foreclosure. The Foreclosure correspondence is dated XX/XX/2018. I received the Foreclosure correspondence XX/XX/2018 by mail. 


Please assist me with maintaining ownership of my home. I don't want to loose my Home!!!!!!!!!!!!!
XXXX and Experian are reporting an account with XXXX that does not belong to me. I never have had nor do I currently have an account with XXXX. Credit bureaus account numbers are XXXX and XXXX
I am not able to choose the payment date for automatic payments on my student loans, leading to extra XXXX in loan interest during the year. The automatic payments default to the payment due date, and does not allow me to change the date. I am able to make payments before then and loans therefore incur a full month of interest that can be avoided. If I were not signed up for automatic payments, I would make payments early enough where I would incur a fraction of the accrued interest.
RE : DELETIONS TO CREDIT REPORT Dear Equifax, XXXX, XXXX : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Account # Reason for Deletion : XXXX XXXX- XXXX Incorrect Original Amount of Debt Incorrect Payment History-Account was paid on XX/XX/XXXX. Not reflecting on any of my three credit reports.

Incorrect Date Open on the Account- All Three Credit Reports State that that Account was opened inXX/XX/XXXX which is Incorrect Two Different Original Amount 's Owed On The Account. All Three Credit Reports Is Inconsistent With Original Creditor XXXX XXXX XXXX Account. All Three Credit Reports Stated The Amount Is {$220.00}. But Original Creditor XXXX XXXX States {$210.00}.

I AM ENCLOSING PROOF FROM ORIGINAL CREDITOR " XXXX XXXX '' According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at address noted below.

Thank you. 
Sincerely,
I am writing to you today regarding my student loan account which I had while I was a student at XXXX University. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit agencies. 

During the time period this account was established I had was very happy with the service, I was however not the ideal customer and made mistakes with my handling of the account. I should have kept better records regarding the account and I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report in XXXX of 2018. 

I know that payment was my responsibility and I am not attempting to justify this breach in the user agreement, I was however hoping you might review the circumstances under which this nonpayment occurred and consider removing the negative trade line associated with this account from my three credit reports. 

As soon as I became aware of the balance I contacted XXXX   XXXX XXXX/ XXXX XXXX I consolidated my loans, refinanced my debts for an easier payment schedule, and closed all accounts paid in full. I provide this not to justify why the account was unpaid, but rather to show that the issue with my student loan account is not a good indicator of my actual credit worthiness. I hope that XXXX XXXX XXXX/ XXXX XXXX is willing to work with me on erasing this mark from my credit reports. 

Your kind consideration in this matter is greatly appreciated. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
I have never been contacted about this bill from creditor, Rickman And Rickman, so I need see the this bill or at least get some correspondence from them on this before it is added as a unpaid collection on my credit report, any help would be greatly appreciated, if I actually owe this debt, I will pay as soon as I get a address to pay it, as I have stated I have no knowledge of this bill at all, as Rickman And Rickman have never contacted me at all, can they at least make a attempt to contact me before putting it into collections??? If I owe it I will pay it ASAP, but what I do not understand is there has not even been 1 attempt to contact me before putting on my credit report, please send me all the information, account number, and who and where to send the payment if owed by me. 

Thank You XXXX XXXX
I have a loan with DEPT OF ED/NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and DEPT OF ED/NAVIENT with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2018.
Experian is reporting a account with XXXX XXXX The account is paid per the credit report but this account continues to report with a bad payment history. This is not my account and under the fair debt collection practices, it 's illegal to report inaccurate debt. I ask for validation of this debt, signed contract, with my signature. I would be so grateful if this would be removed.
My mortgage was sold to Roundpoint mortgage service in XXXX XXXX. I have had continuing issues with my ability to pay my mortgage through their automated service. I continually called from XXXX XXXX through XXXX XXXX to find out why I could not pay my mortgage online nor would the automated phone system verify my account. It took an average of 20 minutes per call to have a new representative each time research the issue. At some point I was told that my social security number was not correct. It was verified that the paperwork they had was correct, but someone had entered it into their system incorrectly. I was asked to submit a copy of my social security card to show proof even though the documentation they received was correct. During that six month period I also contacted their consumer ombudsman, I never received any calls or e-mails from the ombudsman, until roughly three months later, which was a letter saying they have received my grievance. To this day I have not received any follow-up. In XXXX of XXXX the issue was resolved and I was again able to pay online. In XXXX of XXXX the issue resurfaced. I called on at least three occasions, one in XXXX XXXX, and twice in XXXX XXXX. During the first call in XXXX XXXX I was told I will receive a flow-up call in 24 hours, which never happened. On the second call in XXXX ( after waiting 30 minutes to talk to a rep ) I was told a supervisor will call me back in 2 hours. I also was assured by the representative, that as a consumer advocate, she will ensure it was followed through on. She even sent an e-mail with her info. I never received a call, I did send a reply email to her on the following workday notifying her I did not receive a call. I never heard anything back from the consumer advocate after three days waiting. In the two years I have had to deal with this company ( which was not chosen by me ) I have called to report the same issue over 10 times with absolutely no resolution. Lastly the social security number incorrectly input into the system has now been linked to me on my credit report.
Wanted to receive information verifying that they had rights to my debt and they refused to send me a mailing. They told me they sent out XXXX mailings and XXXX was before I moved to my new address. They promised that they will no longer be calling me but taking it straight to legal action as well.
I paid for a cashier 's check from Wells Fargo in order to pay for my XX/XX/XXXX rent. A week after I mailed it off, my landlord contacted me and informed me that he had not received it. Thinking that it had simply been lost in the mail, I visited several Wells Fargo locations to stop the payment and reprint the cashier 's check. After these several attempts failed due to Wells Fargo refusal to stop payment and reprint the check without notarization, the last Wells Fargo bank I visited informed me that the check had already been cashed. Upon further investigation, the representative gave me a printed copy of the cashier check when it was processed, and the check was clearly tampered with. Someone else 's name was scribbled over my landlord 's, but the Wells Fargo location cleared it anyway despite the obvious evidence to it being tampered. Upon complaining, they refused to help : claiming that there was nothing they could do to even consider reimbursement for an indefinite amount of time and shallowly offered me a " loan '' to pay my rent. Now I still have this month 's rent to pay, my landlord is compounding late fees every day he does n't have it, and my children are going to find themselves without XXXX this year unless this thing is settled and Wells Fargo is held accountable for their mistake.
Talked to my mother about my debt. Told her they will have me put in jail. This is from XXXX they sold the debt to a thrid party. Call after call threat after theart.
I sent a cease and desist letter to World Finance several weeks ago and they continue to harass me and use threatening language. The letter was sent XXXX XXXX, 2016. When they call they state they do n't care about what the letter states and harass me over the telephone.
I have been contacted by chase an account that I have disputed and do not owe as I explained my situation to them the representative said I see this might not be you. She then began to accuse me of living at an address that I have not lived at for many years and claim that I was lying about my info when I have proof that I was not living at said location. The phone number that contacted me was XXXX I would like to resolve this issue and protect my rights as soon as possible. Thank you
My husband and I sent a letter to Equifax on XX/XX/XXXX, asking them to investigate errors on our credit report. As of today XXXX XX/XX/XXXX ), they have not yet responded. Obviously, that's longer than 30 days.
I sent Alliance Collection Agency a certified letter on XX/XX/XXXX, that they signed for on XX/XX/XXXX, stating that the debt is disputed. On XX/XX/XXXX 30 days after they signed for the mail they did not have the account stating disputed on all 3 credit bureau 's. I requested validation bearing my signature stating that I am contractually obligated to pay Them. I stated to them, if they could not provide me with this information ( and they still have not ) within 30 days of receipt of this letter, they must request that all credit reporting agencies delete the entry as per FDCPA 807 [ 15 USC 1962e ]. I also sent a follow up letter on XX/XX/XXXX as of today XX/XX/XXXX they have not complied. These accounts were paid by workers compensation. It is there responsibility to validate debts before they purchase them, which they did not do.
I have written many letters to the Ombudsman, Student Federal Aid, which work in concert with each other because I have e-mail to prove it. When I prove them wrong and ask for specific information, This alleged debt is passed of t the next debt collector. XXXX XXXX /XXXX XXXX from National Recoveries Inc . 
Was clearly instructed to provide a license number to collect a debt in the state of Michigan and California. National Recoveries has not provided any license number.