WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX I purchased a truck ( joint account ) from XXXX XXXX now XXXX. I purchased this vehicle for someone so it was never my primary truck. he never made good on it so the payments was always late. as far I can know, there has n't been any activity on this acct since XX/XX/XXXX. I 've ask both the CB and XXXX to provide me with a payment history so that we can correct and update the DOFD ( date of first delinquency ) to determine when the negative reporting would be removed. that date keeps changing, first it as XX/XX/XXXX, now its XX/XX/XXXX. XXXX reported that I made a payment on XX/XX/XXXX. I asked them to verify that payment, because they could n't they removed it but added other dates to assumed that I had activity on this account. XX/XX/XXXX they sold the acct to XXXX and they reported before I ever received mail of who they was. they are also reporting with the same info as XXXX as if this is a new account. im making a complaint to because I believe they are Re-aging my account to continue making negative reporting. as of today the DOFD ( date of first delinquency ) is XX/XX/XXXX which on the statement I provided to them is there maturity date. also they added a major delinquency date as of XX/XX/XXXX. not sure what that is but all this negative reporting has caused my report to look like I 've opened up a new acct and decreased my credit score again.. I would like for them to correct those dates and any points that have been removed be added back. I have worked hard to rebuild my credit In other areas and this has affected it again. I know that re-aging is illegal. the PDF file is the CB investigation and a statement from Santander of the late payments and the XX/XX/XXXX is there maturity date and not the DOFD ( date of first delinquency )
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 's mailing address for dispute requests is : XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : XXXX Balance {$00.00} XXXX Account Number Num : XXXX Balance {$00.00} Dear Sir or Madam, I am writing in regards XXXX on my credit report. I 've enjoyed being a customer of XXXX XXXX since XX/XX/XXXX. Today, I 'm writing to request a goodwill adjustment to my credit files. 

I was a model customer from the time I received my credit card in XX/XX/XXXX, however it has been 11 years. 

Your agency should delete all information regarding the account from my credit files within 10 business days. Please delete the above information as quickly as possible. 

Sincerely, XXXX XXXX
Violation : On XX/XX/XXXX American Express has incorrectly and illegally listed an over limit event from XX/XX/XXXX of another credit card user on my credit report. i do not have a responsibility for this credit card account yet it was reported by American Express for me. This resulted in a 50 point drop in my credit score. I have asked them to remove the item but have been unsuccessful to date.
I was beating by a patient while working in a XXXX XXXX XXXX.my employer to me ER and paid the bills which happen in XX/XX/XXXX.Just XX/XX/XXXX I found a credit report with a medical bill on it and i called the agency and they told me that i own them of which my company told me they paid everything.My CEO ask me to let them known that they are responsible so they should send it to them.They just hang the phone on me.Anytime i called they said i should paid or it will on my credit.Of which i not responsible for it.
On XX/XX/XXXX I sent a certified letter ( tracking # to JH Portfolio Debt Equities which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or applications obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question. JH Portfolio Debt Equities has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of JH Portfolio Debt Equities. JH Portfolio Debt Equities is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
ARS national Services keep bothering about a Bankruptcy. They have to know that U.S.Bankruptcy Court XXXX District of New York closed this case # XXXX.By law I do n't owe any money. 
Now I 'm trying to rebuild my credit.
My wife and I are one of the 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax, one of the nations three major credit reporting agencies.
I dont owe XXXX i never had an account with them I was in jail from XXXX I told them it wasnt me they dont care. they said i must pay it i got scared I didnt want to go back to jail again.
My student loan is currently in default, and my wages are being garnished for payments. I would like to make more affordable voluntary payments. I have called the loan servicer  on 4  separate occasions within the same week to get information on how to stop the garnishment and rehabilitate my loan. Each time I was given different, conflicting information, with different forms to complete each time, and I still do n't understand how or if there is a program that can help me. In any case, it was indicated that I would be required to continue to make  5  garnishment payments IN FULL, in addition to my new voluntary payment, thus INCREASING my inability to repay. I can not afford the full garnish payment. I can not afford to pay more on top of the full garnishment payment. If I ca n't make voluntary payments, I can not enter the rehabilitation program. This servicer 's business rules are preventing me from utilizing the student loan rehabilitation program that was created to help consumers get back to a stable financial state. Their final recommendation to me was to fill out the  3  different packets of documents they mailed me and send them back and " see what happens. '' They indicated the decisioning period could be anywhere from  2 weeks to 2 MONTHS.
Back on XXXX XXXX I filed a complaint about seeing hard inquires on my credit report after I ordered my credit report. I called and mailed Equifax that those Hard Inquires on my credit report that I had no business with those companies. I requested that they remove them. I have been getting the run around with Equifax. I want all those hard inquires removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX CCB/PPC
After reviewing my credit report i saw that I had a late payment for  XXXX  of  XXXX  on my account. My bank account was drained after someone stole my debit card number and made a number of erroneous purchases online. When i submitted my  XXXX   XXXX  payment for the month it was declined because of the erroneous purchases. I paid best buy immediately when i became aware of the situation. I asked if this would report negatively on my credit report and they stated they were unsure at the time. After reviewing my credit report I saw that it had indeed been reported as a 30 day late, I contacted   XXXX   XXXX   and requested that they remove the late payment because I had never been late before, nor have i ever been late again. They told me they would not remove the late payment. I believe that   XXXX   XXXX   is acting UNREASONABLY, as i have had the account since  XXXX  and have never been late before and this was clearly an isolated incident outside of my control. My account was also closed immediately following  one  delinquent payment.
Harris and Harris from XXXX IL has been calling consistently to collect a debt. 

The debt amount is due to XXXX XXXX XXXX in XXXX. 
Since the first call from Harris and Harris in XXXX XXXX, I recorded and was able confirm : Harris and Harris was trying to collect a debt but the I had never received any mail notice for this debt. 
The reason was that Harris and Harris and XXXX XXXX sent it to wrong mailing address - wrong apartment which is why I never received the mail. 

I emailed them indicating this error and paid that bill once I was aware of it in XXXX XXXX. 

I recorded that conversation and I also called XXXX XXXX hospital billing and confirmed they corrected their input mistake to have the correct apartment address. That was recorded as well. 

Today, XXXX XXXX XXXX, I received a call for {$360.00} being due to XXXX XXXX. I was able to ask and confirm that the address that the mail for bills was sent to the WRONG apartment again. 

I told the collector from Harris and Harris this and she asked for payment and fortunately, I had checked my XXXX XXXX records online in XXXX XXXX and made a payment for {$2900.00} dollars in full. 

This included the payment that Harris and Harris was asking for again - essentially a double payment for same bill and a BILL NEVER SENT to my CORRECT mailing address. 

I refused to make another payment for a paid bill and the debt collector insisted I PROVE i had made payment and fax copy of payment that I had made. I told her : - to contact her client- XXXX XXXX XXXX bill had been paid in complete since XXXX XXXX to get payment made records - Note that asking for payment for paid debt was fraudulent - sending bills to incorrect address was a violation She refused to do any of this and insisted I fax proof. She hung up when I mentioned the above points. 

Pls note in your records. 

Regards, XXXX XXXX
All of this information pertains to an account at U.S. Bank and in XXXX I was made a joint account holder with my elderly parent on their U.S. Bank bank account. In XXXX at or about XXXX, right after both parents passed away, my parents were removed and my brother was added to the account as a joint account holder to complete execution of their estate. At some time in or around XX/XX/XXXX/XX/XX/XXXX someone took at a line of credit, similar to a credit card, against this account. In XXXX, after the account had remained empty for some time, I called to close the account only to discover that the line of credit had been taken out and was in arrears. After this closure U.S. Bank sent me the first bank statement for this account in several years. U.S. Bank closed the account and placed it with credit bureau a month later. In speaking with the bank they stated that the line of credit would have required both account holder to sign an additional document in order to initiate the credit beyond normal signature cards for opening an account. In disputing the negative information with the credit bureaus their response was that U.S. Bank stated it was valid however, I've filed a police report stating I've not signed any document related to a line of credit, only the signature card as I was added to the account in or about XXXX.
Afni collection agency is coming after me for a XXXX XXXX bill that is my sons. ( {$300.00} ). He is the account holder, the debt is in his name, his address and his phone number. All signatures on the service agreement are NOT mine. They have my name on the top of the agreement ( which I never saw ), that is all they have. Afni, XXXX XXXX XXXX IL XXXX, is attempting to collect a debt I knew noting about and threatened to send to the credit bureau. I am a XXXX XXXX XXXX woman living on social security. I tried explaining to them that it was my sons debt but to no avail. I do not know what to do. I can not attach any documentation but I have it physically. I do n't know what to do. I have called legal aid, they told me to go to XXXX Mississippi. When I went to the web site there was nothing for me to acknowledge, just a section to complain. Help please
XX/XX/2018 and XX/XX/2018 I sent certified letters to Kansas Counselors asking them to validate the debt they are stating belongs to me. I received no correspondence back nor was it removed from my XXXX, XXXX or XXXX Credit report.
Hell o All, Tha nk you in advance for your time and consideration in assisting in this issue. Abou t two years ago, my husband and I went to  Macys s tore in   XXXX   XXXX    Virginia to shop for  few items and after choosing the items we needed, we then went to the cashier to pay for the items and it was there that she ( the cashier ) said we could receive additional discount if my husband is added on my account which the cashier did and confirmed with us after completing the proce ss. One day  my husband went to  Macys i n  XXXX  Maryland and purchase a dress pant ( price range {$50.00} - {$70.0 0} ) for  me using my account information. But later found out after receiving a collection b ill ( of {$800.00} plus ) on behalf of Macys, an d contacting customer services, that my husband was never added on my account but rather another account was created without my knowledge and was never brought to my attention even when I always called to make a payment on my card no one in that department ever brought it up. The most frustrating part of this is that upon creating this account, one must expect to received separate bill under the account, a letter of notification of the new account created along wit h a Macys card but none was issued rather they ( Macys ) continues to accumulate charges over time which seems to me Macys is   more interested in making money than doing the right thing in that process. The most frustrating of all this is the lack of accountabil ity for error on Macys as  such that it has affected both of our credit. Does such practice not consider deceptive and shouldnt Macys accept responsibility for an error on their side? Lastly, every Macys customer service representative I had spoken with on this issue refused to provide me the account number in dispute this to me is unacceptable in a manner that I 'm being held responsible for something I have no knowledge of or aware of it existence.
My credit report is showing this account as an open collections account. I spoke with their customer support and they assured me that they are not a collections company and I have confirmed that my account is up to date on its payments. 

I would like to have this collections account removed from my credit report as it is a current account and shouldn't be showing negatively on my report.
I made a deposit of XXXX $ to Bank of America account XXXX on Friday XX/XX/XXXX via mobile app. The check was from a major insurance company. I looked at it and it was processing and then within two minutes a hold was put on it until XX/XX/XXXX because I never make large deposits ( although I regularly put 10-15k monthly in my three other accounts ) I use this account to pay my mortgage ONLY which incidentally is XX/XX/15, so consequently I only have deposits of 2 or 3K monthly. 

I spoke to a representative XXXX in Texas who said that her hands were tied. 

Incidentally, while I was waiting for XXXX XXXX minutes there were numerous go rounds of an ad which invited me to transfer money from my credit card to my low balance account. 

This whole scenario seems highly inappropriate at best, and in actuality a racket.
ORIGINAL DEBTOR XXXX 2 ) ORIGINAL DEBTOR SOLD XXXX. 3 ) TEXAS STATUE OF LIMITATION IS 4YS. DEBT IS OVER LIMITE. 4 ) SOLD TO NAR INC XXXX XXXX XXXX XXXX , XXXX XXXX XXXX.
Since XX/XX/XXXX, I have been trying to resolve a situation with XXXX XXXX concerning unauthorized charges on my XXXX. They kept letting a charge go through in the amount of {$500.00} each even though I was disputing the charges. They claimed it could not be controlled? I finally made them give me a new card number on XX/XX/XXXX and then they gave the disputed charger my new card number without my approval. I have spoke with them numerous times and have also spoke with XXXX to try and determine the source of this charge and they tell me it is not them even though XXXX is in the description line. Not knowing what else to do, I had to demand that they close my account so no additional charges would go through. This was done on XX/XX/XXXX. In addition, I filed a police report with the XXXX, WI police department. XXXX keeps trying to claim I know the individual responsible in this case. I do not know who is responsible for these charges. In addition, I have contacted XXXX XXXX of XXXX, XXXX and XXXX to see if they could get anywhere in this case. On my behalf, they sent a formal demand dated XX/XX/XXXX to XXXX and as of XX/XX/XXXX they have received no response from them to try and resolve this situation. Per their recommendation, I am reaching out to you for your assistance with this dispute.
I am having an ongoing issue with ditech, just checked my bank statements from 2015 ditech never sent a check in the amount of XXXX, it was actually XXXX. I am tired of the run around from this company. I will now be sending a complaint to HUD. Even from their own statements you can tell they are ripping us off with the escrow. This is not a new loan. I will be attending a forum Wednesday hosted by the nonprofit business alliance for a sound economy. In attendance will be Senator XXXX XXXX, Rep. XXXX XXXX, Rep. XXXX XXXX and Rep. XXXX XXXX. At that time I will be showing all taxes statements from ditech along with the emails they have sent me.As you can probably tell they will be discussing homeowners issues. If I was ditech I would have a representative there.I will not stop until they give me my money that is owed that they stole from us through escrow.In North Carolina it is against the law to fudge tax statements.And XXXX XXXX the paralegal from ditech needs to go back to school and learn how to do an escrow. As does most of the people that I talked to from ditech.
Collection item added to my credit report in XXXX or XX/XX/XXXX. For XXXX dollars from XXXX hospital but now with GLA collections. I spoke with GLA in the fall XXXX and the CS said he would send me information about the debt. They had the wrong address and I had received nothing in the mail and no phone calls. He said it was from an emergency room visit in XXXX. It wasnt me! I have insurance and nothing was on my insurance either. After not hearing back, I wrote to them with the last 4 digits of the account number that I had from my CBR, my DOB, address and last 4 of my SSN. They sent me back a letter saying they couldnt find an account.
I 've tried numerous times to get this inquires off my credit file that I did n't authorize. I have no account with these companies. The companies told me to contact Equifax & Equifax telling me to call them. This is very frustrating. The inquires are as follows : 1. XXXX/XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX XXXX ( XX/XX/XXXX ) 3. XXXX ( XXXXXX/XX/XXXX ) 4. XXXX ( XX/XX/XXXX ) 5. XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX ) 6. XXXX XXXX XXXX XXXX ( XXXX XXXX ) 7. XXXX XXXX ( XXXX XXXX, XXXX ) 8. XXXX XXXX ( XXXX XXXX, XXXX ) 9. XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX ) 10. XXXX XXXX XXXX ( XX/XX/XXXX ) 11. XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 12. XXXX XXXX ( XX/XX/XXXX ) 13. XXXX XXXX ( XX/XX/XXXX ) 14. XXXX XXXX ( XX/XX/XXXX ) 15. XXXX XXXX ( XX/XX/XXXX )
Nationstar Mortgage : First it was with a modification loan that ultimately resulted in a fail. I was then told that my only option was to file for a deed-in-lieu of foreclosure. I was told that I would be able to A. stay in the house for 3 months without paying rent and then I 'd receive XXXX for my moving expenses. B. Stay in the house for 12 months and pay a fair market value for rent and receive XXXX for my moving expenses. I choose the option to stay 12 months. I 've been asking for what the rent amount would be but nobody is able to give that to me. Apparently, I 'm finding out that there was a lien placed on the home from an ambulance company in my husbands name ( XXXX ). The house is in my name and my soon to be ex-husband does not live there or have any claim to the house. I may have to find the money myself to pay the lien. I 've been trying to call my representative, XXXX XXXX, to find out how much the rent will be before I pay my ex-husbands outstanding debt, but it 's nearly impossible to talk to him. Dates that I 've called : XX/XX/2016, XX/XX/2016, XXXX on XX/XX/2016, XX/XX/2016. I need to find out how much the rent will be before I pay off other peoples bills and I would also like to find out the chances of this being approved. The money used to payoff the lien could be used for another rental deposit if need be.
On XX/XX/2019, I have contacted Resurgent Capital about a debt from XXXX XXXX XXXX Account ending in XXXX. I have spoken to a representative in regards to the account. Previously, there was a dispute on the account, since all of the credit reports says LVNV funding, not Resurgent. The account has been through several companies, such as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I have contacted Resurgent Capital. I have previously requested information in regards to the account, and to obtain a letter, prior to payment that the account will be satisfied and paid. Previously, I have asked for validation, such as a signed agreement and contract with them, but I have never received it.
I have had multiple problems with XXXX XXXX 's handling of my loans under the Public Service Loan Forgiveness Program. Most importantly, I have called in multiple times to verify that all of my loans were eligible for forgiveness within 10 years, and multiple times I have been told that they were. For instance, I called in XX/XX/XXXX to verify that my monthly payments were correct, as I had just recertified my employment and the payments increased more than I expected. I asked the associate to check how many qualifying payments I'd made and to make sure that everything was on track and my loans would be forgiven at the end of the 10 year period. The associate did confirm that everything was on track and all of my loans would be forgiven at the end of the 10 year period. 
On XX/XX/XXXX, I called XXXX 's customer service line to address an issue with the recertification of my employment and the representative informed me that two of my loans were not eligible for forgiveness under PSLF, and that I would need to consolidate those two loans and restart the qualifying payments on them. I was volunteering at a summer camp for 2 weeks and did not have time to address the issue on the XX/XX/XXXX. Upon returning home, I contacted XXXX on XX/XX/XXXX. I spoke with an associate and a supervisor. Both said they were unable to help me and suggested I apply to consolidate the two loans and restart the 10 year period for forgiveness. I feel as though my loans have been terribly mismanaged and I have been deceived.
Capital one placed XXXX previously removed accounts on my report. Both accounts were closed in 2010. Both were sold to debt collection agencies. Captial One re reported these as new, with a balance, and as they are still owners of the debt. 
It is time barred debt, they no longer own, they have already closed and removed the accounts from my report. Illegal and violation of FDCPA to reopen and rereport
XXXX XXXX sent 33 pages to Wells Fargo at one time to begin with that i filled out which included bank statement, proof of my income and itemized lists of my bills etc and copy of tax return etc.. 

Over time more copies were sent. of other requests from them, Nothing ever happened as far as response from Wells Fargo, i was hoping to get a lower payment which the options were {$500.00} to {$900.00} but after all the paperwork etc i sent them i was not offered anything. 

I talked to XXXX XXXX My Executive Support Specialist assigned to me XXXX and he said he moved up the closure date from XX/XX/2019 to XX/XX/2019 to get everything through to save my losing my house ( XXXX ) start making a reduced payment every single month ( which i will do )
Neither equifax nor experien have a process that works. Online they collect the information then say they ca n't do it, when you call they route you to a dead phone. 
Just a run around. 
Both should be fined heavily for proliferating incorrect information.