WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX I wrote both the Experian Credit Bureau and XXXX XXXX XXXX stating that I have never had a credit Card Card from XXXX  XXXX XXXX, yet my file showed a charge-off on it. I requested a copy of the original application and any charge slip that showed my signature on it for charges made. Since that time I have received nothing but form letters that do not directly answer my needs or questions. 
First response XX/XX/XXXX : Experian says they checked with XXXX XXXX XXXX and their records are correct. 
My Reply XX/XX/XXXX letter to both requesting copies of related charges. 
XXXX reply XX/XX/XXXX : or records indicate we are reporting correctly my response to both XX/XX/XXXX : letter stating no one is responding to my SPECIFIC requests for information. Only getting form letters. 
XX/XX/XXXX Experian sent exact same information that sent XX/XX/XXXX my response XX/XX/XXXX returned letters to both requesting that they read my letter and respond to same my not sending form letter. 
XX/XX/XXXX form letter from Experian XX/XX/XXXX XXXX form letter saying the consider matter closed because they could not investigate it?????? 
XX/XX/XXXX I respond to both giving specific requests and copies of all correspondence. 
XX/XX/XXXX received responses from both this time XXXX wants complete account number for and account that I have claimed for 5 months that I do not have! 
XX/XX/XXXX I respond giving all of the information I have and restating send me all the information you have. I need copy of something I signed. 
XX/XX/XXXX received response ( form letters ) from both. Experian same as before we have contacted XXXX and their records are correct. XXXX  form letter says they checked their records and are reporting correctly. 

As you can see for nearly six months I have been getting no personal responses to my questions. It appears that both are only willing to send form letters and not investigate anything. How is one to get through to them that there may be a problem of some type and that mearly looking at the original application or, XXXX forbid, that is not available, at least look at the relevant charge slips to identify signature and name? 

Neither of these organizations have complied with the Fair Credit Reporting Act or the Fair Debt Collections Protection Act they have simply skirted the issue by trying to drown me in a ton of form letters.
XXXX FAILED TO REMOVE ALL FRAUD ALERTS AND FREEZES AND UNLOCK MY CREDIT CREDIT.
I am disputing all four negative / delinquent accounts with XXXX XXXX. The aforementioned accounts are being disputed because an agreement with XXXX XXXX was initiated on XXXX/XXXX/XXXX to have payments reduced and changed to Income-Driven Repayment Plan due to a change in lifestyle and finances. I was advised that I would be granted a reduced payment forbearance so the change could occur. The reduced forbearance payment was {$5.00}. The payment was supposed to be automatically drafted from my XXXX XXXX XXXX XXXX XXXX XXXX account on XXXX/XXXX/XXXX, but was not drafted ( even though XXXX Serving drafted the other account on XXXX/XXXX/XXXX ). This error has caused my account to show delinquent in XXXX XXXX, XXXX XXXX, and XXXX XXXX to all credit agencies. 

I called XXXX XXXX to remind them that I was on a reduced payment forbearance on XXXX/XXXX/XXXX, after I noticed theyd drafted {$360.00} from my account, as well as {$42.00}. They assured me that the {$5.00} would be applied to my account in both XXXX and XXXX. In XXXX and XXXX the reduced forbearance payments were applied. On XXXX/XXXX/XXXX, the income-driven repayment plan went into effect and was partially drafted from my account ; Only {$190.00} was drafted, not the amount for {$33.00}. 

The enclosed documents will prove that the four negative / delinquent accounts with XXXX XXXX was an error on XXXX XXXX. Again, XXXX XXXX has automatic access to draft my account for student loan payments. These payments are supposed to come out of my account each month on the 3rd and 9th to prevent delinquency. The {$5.00} payments for forbearance had to be manually withdrawn from my account, which meant I had to call them and ask them to take it out of my account I did that each month ( two months because XXXX XXXX failed to apply the forbearance when I initially signed up for it on XXXX XXXX, XXXX XXXX. 

In addition to my accounts being reported as delinquent, I was not given proper notification advising me of these issues. XXXX XXXX had my telephone number, mailing address, and email address to advise me of any issues they were having with my account, and the company failed to advise me. 

XXXX XXXX have recently ( XXXX/XXXX/XXXX ) informed me that a standard level payment ( SLP ) of {$590.00} was not paid after I changed my plan. According to XXXX XXXX I was supposed to ask for a forbearance to cover the XXXX of {$590.00}. The {$590.00} was taken out of my account between XXXX and XXXX XXXX. I agreed to the Income-Driven Repayment Plan ( IDRP ), a contract, which is enclosed. That plan / contract did not inform me that an XXXX would be applied to my account. According to the IDRP, I would be granted forbearance for the months I paid {$5.00}. 

The inaccurate reporting has caused my credit rating to plummet, as well as my morale. Ive disputed XXXX and have received no support. I pride myself on my ability to pay my bills promptly, with minimal debt. I have NEVER been late in paying XXXX. XXXX has diminished my credit score and my trust in the most disrespectful way. It is my hope that the above-referenced accounts with XXXX XXXX be updated and restored from negative markings.
I already filed complaints # XXXX and XXXX. I need to find out why another debt collection agency is listed on my credit report with a different amount showing from the amount listed from the first collection agency. My main complaint is how was this XXXX collection agency able to post this debt to my credit report without ever contacting me? I never received any manner of correspondence from this agency regarding the debt. 
As a matter of fact, I just checked my credit report yesterday and saw that I have XXXX agencies trying to collect the same debt but in different amounts. I understand my debt can be sold many times over. Why is this allowed and how did this XXXX agency get involved? I need to have this removed from my report but I am only willing to pay the original amount owed and only if they will give me something in writing stating when I pay the debt in full that this will be removed immediately. Also, I need to know who I am paying, in other words, who actually owns this debt. Which collection agency or other business do I owe? I expect to pay only XXXX amount which is all I owe and without any interest or extra charges. Actually, I think my credit report is showing XXXX collection agencies trying to collect a debt from me. And the XXXX collection agency, which has already responded, was the only one to attempt any communications with me about this debt. I was never contacted by any means from the other XXXX agencies, yet they reported my debt without my knowledge to the credit bureau.
My Serve prepaid account was closed. I have yet to request our FINAL statement ledger showing deposits, withdrawal and ending balances. We were only sent some statements but not all. Most importantly the final accounting of the main Serve account as well as the XXXX subacccounts associated with it.
I started disputing information on my credit reports with the Equifax, XXXX and XXXX XX/XX/2016 for myself and my husband. I specifically sent certified letters disputing specific inaccurate information and asking them to validate the debt. At the time they were reporting ( see below ) the listed XXXX accounts that were on both of our reports through Equifax, XXXX and XXXX which list the accounts as Joint liability. 
XXXX - Account # XXXX ( charge-off ) XXXX - Account # XXXX ( foreclosure ) XXXX XXXX XXXX XXXX - Account # XXXX ( leased equipment ) After several rounds of certified letters to them, they REMOVED all XXXX accounts from my husband 's report XX/XX/2016 but claimed to have VERIFIED and will not delete from my file. I find this impossible and clearly they could n't have verified and removed from my husband 's credit report but verified and kept mine. Same debt, joint liability. I have tried talking with them to no avail. They also failed to mark the dispute comments on my file within the 30 day period. This is clearly a violation of FCRA. About 2 weeks ago XXXX and XXXX followed suit and removed the charge off account from his account but not mine. ( XXXX XXXX was only listed with Equifax )
I am trying to get a principal reduction for my home and have not been able to get it resolved and I need to in order to bring this matter to a resolution.
We had damage to our home after Hurricane Irma. After 9 months the insurance company finally issued a check in the amount of {$120000.00}. By that time we had already taken the money out of our retirement account and the house had been completely repaired. The check was sent to Ditech in XX/XX/2018 as they hold the mortgage on the property. Also sent to them was all documentation requested including a signed waiver of lien and copy of statement from contractor stating payment had been made in full. An inspector from Ditech finally came to do the inspection on XX/XX/18. He submitted his report stating all work had been completed in full and the house had been totally repaired. Our adjuster spoke with Ditech on Tuesday XX/XX/18 and was told the inspectors report had been received and the check had been issued. On Friday XX/XX/18 we received a check for {$18000.00} made payable to our public adjuster. This was the exact amount he was owed. We spoke to Ditech that afternoon regarding the remainder of the funds and were told they were releasing another {$31000.00}. When questioned about the remaining {$75000.00} they responded that it was a lot of money and they had to check with the contractor to assure he had been paid before they released it. They agreed they had the signed release and statement from him showing he had been paid in full in their files but would not release the funds to us. Even though we sent them all required documentation we still have not received any funds from Ditech.
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, XXXX XXXX : CFPB Complaint ID # XXXX XXXX, XXXX XXXX and Experian XXXX Thank you for your response. You acknowledge your irresponsibility in communicating false manufactured facts on my XXXX XXXX, XXXX credit report that resulted in a rental denial and significant increases in my annual auto insurance premiums. You obstructed resolution and stubbornly procrastinated months to communicate with truth. I expect immediate reimbursement for these economic losses. Going forward I expect before you again place any false narrative on my credit report you contact me by certified mail and give me 30 days to respond to any slanderous negative allegation. By return certified mail please acknowledge your agreement and {$400.00} reimbursement. 

You still have not responded to your XXXX XXXX A/C XXXX false narrative. Please immediately remove and provide access to your intentional deleterious credit report of me so that I can confirm your removal. Thank you. 

Respectfully ; XXXX XXXX
Husband received a call on his cell phone attempting to locate XXXX ( me ) in regard to collecting an alleged debt that was never owed to XXXX ( XXXX ) on a prior lease from nearly 10 years ago. All state statute of limitations have expired years ago and Ally sold the paper to NorthStar Collections ( XXXX ) XXXX. 
The representative informed my husband that she could not discuss the mater with him, but that the creditor was XXXX and that I needed to call Northstar Collections.
I 'm been trying to refinance my mortgage since XX/XX/XXXX now that they got this Harp programI still ca n't refinance due to my second mortgage I fill bankruptcy XX/XX/XXXX this mortgageGot discharge but I 'm still paying for XXXX mortgage and XXXX have a lien on property how can I get this lien off to get approve for refinance.
I received a notice from ProtectMyID that I had activity on my credit report. Upon accessing the expirian site and viewing my report I sa w 2 discrepancies but do not know if they are related.    The first issue is a hard credit inquiry from  CBNA  on   XXXX    . I did not authorize this and I am currently not seeking credit of any kind. The   XXXX   site did not give means for addressing this and did not give contact other than a    XXXX   XXXX   .      The second issue regards an address in WV. I 've never lived in WV and I have an open dispute on that right now. However the dispute is only with experian and I need to have that address disputed with the other creditors as well.
Reference : Case number : XXXX still not resolved My name is XXXX XXXX, resident at XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, and the reason for my complaint are listed below : I bought my property at XXXX XXXX XXXX in XXXX. 
Until XXXX my mortgage loan # XXXX lender XXXX Bank. 
On XXXX XXXX, XXXX we received a letter " Notice of Assignment, Sale or Transfer of Servicing Rights '' from XXXX Bank, to Specialized Loan Servicing ( SLS ), effective XXXX XXXX, XXXX. 
XXXX See Doc. # XXXX attached On XXXX since I did not receive any writing communication from SLS I sent my payment to XXXX Bank, but it was not accepted, they confirmed that where to send the payment to SLS and we did with certified letter. 
Our last statement from our mortgage loan was XXXX from XXXX Bank. 
XXXX See Doc. # XXXX We wrote so many letters and did so many phone call requesting our " monthly mortgage statement '' that were unsuccessful, with promises that never where delivered. 
We sent every month our payment and every payment were cashed by SLS, even though we are getting every month letter that we are behind. We sent every month payment with a letter with a full description where to apply the payment. 
XXXX See Doc. # XXXX list of monthly payment Not be enough to make monthly payment to keep proving that the payment was done, that we are fighting to get monthly mortgage statements, now I have to prove that we made the payment and maybe get a lawyer and spend what we do not have. 
XXXX See Doc. # XXXX " Notice of Default and Notice of Intent to Foreclose ''. 
I think if we have a Department that is in charge of fraud it is time to act, because we are not The only ones with this problem with SLS, just go online and search how many people are dealing with SLS and they are crooks, that somebody must stop to ripe people off that are working honestly to make their house payment. 
WE DEMAND OUR MONTHLY MORTGAGE STATEMENT THAT IS OUR RIGHT, Nobody will keep Sending monthly payment for 20 ( twenty ) years without knowing where the money is going, and with no monthly statements that you can check where your money is posted. 
Beside all above now they are saying that we have shortage of escrow with no statement We hope that as a Commission that was created to avoid MORTGAGE FRAUD, you will take action and stop SLS, and what to do since this is an ongoing situation with no resolution whatsoever. I am enclosing complaints from other customers.
I have been giving a hard time disputing inaccurate information off my credit report. I have disputed several items from report in which has effected me from getting credit. One item is a bankruptcy i have disputed this item several times. all three credit bureau say that the United States Bankruptcy Court has verified the information of which is inaccurate.

According to FCA credit bureau are to verified through the furnisher not a third party. i have supporting documents stating that the furnisher do not report to any credit agency
XXXX XXXX at XXXX XXXX called one of my co-workers.
Hi, I am responding to the letter from Franklin American Mortgage Company C/O Central Loan Administration ( FAMC C/O CENLAR ) drafted on XX/XX/XXXX ; postmarked XX/XX/XXXX ; and received on XX/XX/XXXX and the letter from Insurance Processing Center ( IPC ) drafted on XX/XX/XXXX, postmarked XX/XX/XXXX, and received on XX/XX/XXXX. My insurer completed the required tasks on XX/XX/XXXX, and sent documentation to FAMC C/O CENLAR. However, FAMC has delayed reviewing this information. Initially, my insurer used the incorrect dates for insurance policy for my property. I requested the dates on the coverage be corrected on XX/XX/XXXX, prior to closing on the condominium ( condo ) on XX/XX/XXXX. The corrections were not completed. I followed up on my request for correction on XX/XX/XXXX. The corrections were not completed. I followed up a third time on XX/XX/XXXX, and finally saw some movement to make the corrections with an initial policy starting XX/XX/XXXX, to XX/XX/XXXX, and the current policy from XX/XX/XXXX, to XX/XX/XXXX. My insurer completed the required tasks on XX/XX/XXXX, and sent documentation to FAMC C/O CENLAR. FAMC C/O CENLAR & IPC did not review documentation prior to sending threats to charge me for insurance that " may be signficantly more expensive. '' On XX/XX/XXXX, I filed complaint XXXX with the CFPB due to IPC threatening to charge me for insurance that was already obtained. IPC did not make any effort to review documentation of the insurance on file before sending a threatening letter. Unfortunately, the prior complaint did not correct IPC 's practices as the XX/XX/XXXX, letter claims they " plan to buy insurance for [ my ] property '' without any reference to the insurance coverage on file with FAMC.
Hello, my name is XXXX XXXX and I have been working on my credit now for the last several months to buy a home, I want to first say thank you for having a place for people like myself to come to if we have problems and don't know what else to do. 

The courts put my home on the market after my divorce and so I've been working hard to rebuild my credit, with doing things like paid off all medical bills, having old accounts removed, made all my student loan and car loan payments on time for the last two years. my score has gone up almost 100 pts., which I have been so happy about. 
I wrote yall back in XXXX about XXXX XXXX removing a late payment, that was not late. I didn't get very far at the time because I failed to follow through with giving them the exact day, after having taken time to review the last year of payments, I was able to find the mistake, I contacted them and they opened a case for me on it, I'm pleased to say XXXX XXXX was very willing to give me a letter to show that they did indeed report for XX/XX/2018 as an on-time payment. I'm so grateful she took the time to fax my loan officer the letter. I've reached out to the credit reporting company several times to get it removed and the loan officer faxed them the letter also but no luck so far. 

The courts have him paying our XXXX a month house payment and his family isn't happy about it, It's been over a year so I don't blame them. I go to court on the XXXX of this month and was hoping to have this corrected before then so my loan could be approved. 

My ex-hired one of the number one IT consulting firms in the world! 

They have much to my surprise accessed many of the medical records and have done things like call to have me pay over the phone for medical bills that shouldn't have existed but they would say that its a collections company and I was afraid it would go on my credit and so I would pay it, well after getting so many I started to make notes of accounts and get them to give me the information on my file, I then began to realize it was the same people and bills, yes! some of the same ones asking me to pay them again. it's important that I stay focused on my kids future and move on rebuilding a life we love but until our loan is approved it's very difficult to do.
Loan Relief LetterTo Whom It May Concern : I am concerned about the current amount of my student loan payments. I have XXXX distinct sets of students, XXXX from private providers XXXX Citibank and XXXX XXXX and XXXX consolidated batch from the XXXX XXXX XXXX XXXX. Here 's the breakdown : Monthly PaymentsCitibank : $ XXXX : $ XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX : {$1300.00} ( monthly ) Total Loan DebtDirect Sub Consolidation Loan : $ XXXX Unsub Consolidation Loan : $ XXXX : $ XXXXCitibank : $ XXXXTOTAL LOAN DEBT XXXX $ XXXX earn approximately {$4800.00} per month at my full-time job. This means that I am currently utilizing nearly 30 % of my monthly income on student loan repayment. This is an incredible burden that I will not be able to sustain for long. I work at a local educational nonprofit that diverts youth from the criminal justice system into a more comprehensive and holistic alternative to incarceration, so I hope to take advantage of the XXXX XXXX XXXX XXXX Program. That said, I need relief in the near term to even be able to afford regular monthly payments. Please advise. 

Thank you, XXXX XXXX
I spoke wit h a Chase c ustomer service representative on  XXXX   XXXX ,  2017  or so regardin g my Chase Sapphire Preferred card. I told the representative that I wanted to close my account and asked about a refund of the {$95.00} annual fee. He told me that the {$95.00} annual fee had no t yet been paid and that it would be automatically be withdrawn from my bank account on the due date for my most recent statement which was  XXXX   XXXX ,  2017 . He told me that I had 30 days from  XXXX   XXXX ,  2017  to close the account and obtain a refund of the {$95.00} fee. I said, OK and decided to give myself more time to consider closing the card. On  XXXX   XXXX ,    2017  at approximately  XXXX    XXXX   EDT, I spoke with another Chase representative to report  XXXX  fraudulent charges on the card and decided at that point to close the card rather than have her reissue the card. She closed the card and transferred me to customer service regarding the {$95.00} fee. The representative to whom I was transferred told me that I was eligible to receive a refund of the fee and that I would see the refund on m y account within one to two billing cycles. I asked how, if the account was closed, they could refun d the fee to that account. She said the refund would post to the account even though it was closed and that I could then request a check or have the {$95.00} credit transferred to another Chase card. Today,  XXXX   XXXX ,  2017 ,  Chase sent me a secure message telling me that I will not receive the refund. This is unacceptable. Chase representatives twice told me that I would receive a refund and I expect Chase to honor the statements made by their own reps. Phone calls to Chase representatives are recorded and I expect that what I am saying can easily be confirmed by listening to the recordings. Also, please be informed that I intend also to record all of the calls I make to Chase from now on .
XXXX was paid off and the last toolbox was voluntary return and the gentleman took all my tools that I had already paid for on previous account that was paid for